Fox Financial was founded in 1993 and is owned by Andrew R. Fox, President and Chief Compliance Officer. Portfolio Management Services Fox Financial offers Individual Portfolio Management Services to clients, including individuals, high net worth individuals and associated trusts, estates, pension and profit-sharing plans, and charitable organizations. Individual Portfolio Management provides continuous asset management of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on the client's particular circumstances are established, Fox Financial develops the client's personal investment policy, and creates and manages a portfolio based on that policy. During the data-gathering process, Fox Financial determines the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, Fox Financial may also review and discuss a client’s prior investment history, as well as family composition and background. Fox Financial manages these advisory accounts on a discretionary basis. Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Once the client's portfolio has been established, Fox Financial reviews the portfolio on an ongoing basis, and if necessary, rebalances the portfolio based on the agreed upon asset allocation targets. Fox Financial’s investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will predominately include a limited number of mutual fund investments offered by Dimensional Fund Advisors and Fidelity Investments. Because some types of investments involve certain additional degrees of risk, they will only be implemented when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. Financial Planning Financial planning will be offered as a component of the overall investment advisory services and will include a review a client’s current financial situation. A review may include the following components: cash management, risk management, insurance, education funding, goal setting, retirement planning, estate and charitable giving planning, tax planning, and capital needs planning. Fox Financial does not charge a separate fee for financial planning services. Tailored Relationships Fox Financial tailors investment advisory services to the individual needs of the client. The goals and objectives for each client are documented in our client relationship management system. Investment policy statements

are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. All limitations and restrictions placed on accounts must be presented to Fox Financial in writing. Fiduciary Statement We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act, (“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. We must take into consideration each client’s objectives and act in the best interests of the client. We are prohibited from engaging in any activity that is in conflict with the interests of the client. We have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client. We will act with competence, dignity, integrity, and in an ethical manner, when working with clients. We will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. Wrap Fee Programs Fox Financial does not participate in a Wrap Fee Program. Client Assets As of January 11, 2023, Fox Financial managed approximately $84,246,534 in assets under management. All assets are managed on a discretionary basis.