A. Our Firm. Human Investing, LLC DBA Human Investing (“Human Investing,” “firm,” “we,” “our,” and “us”) is an Oregon limited liability company registered as an investment advisor with the SEC. Our principal place of business is located in Lake Oswego, Oregon. Peter Fisher is the co-founder and principal owner of Human Investing, which was founded in 2004.
B & C. Our Services. Human Investing offers comprehensive financial planning, investment management, and tax consulting and compliance services to its clients (“you,” “your,” and “client”). Additionally, for the workplace, we offer committee level fiduciary services to retirement plan sponsors as well as services focused on education and advice to individual retirement plan participants inside those workplace accounts (most often consisting of employer sponsored 401(k) accounts). All services are tailored to your unique financial goals and needs. Prior to forming an investment advisor-client relationship with you, Human Investing may offer you a complimentary general consultation to discuss the nature of its services and to determine how we may best assist you in achieving your financial goals and objectives. You will be required to enter into one or more written investment advisory agreements with us prior to the commencement of an advisor-client relationship and the delivery of any services. The written advisory agreement will set forth the scope of our services, our fees, and our respective rights and obligations to each other. For more information about our fees, please see Item 5 of this brochure.
We offer the following investment advisory services: Financial Planning Services: We offer financial planning and financial plans which are tailored to match the unique financial circumstances, goals, and needs of each client. We focus on a proprietary four-pillar approach we call “hiPLAN.” This approach includes: 1) a team of credentialed experts to analyze and make financial recommendations customized to your unique financial objectives and needs (a CERTIFIED FINANCIAL PLANNER™ signs off on each plan), 2) a proper process, 3) the provision of fiduciary advice, and 4) emotional fulcrum for the client. It is from the hiPLAN where we make saving, investing, and borrowing recommendations to our clients. The plan we provide to you will contain a series of investment recommendations that are designed to accomplish your specific short-term and long-term financial goals and objectives.
A comprehensive cash-flow based planning process is utilized to address financial concerns including social security and retirement planning, education planning, and various other savings and investment goals. Goals-based plans may be utilized as well depending on the client’s financial situation. Full details regarding the scope of the financial planning services we will provide to you and the frequency with which we will review and update our hiPLAN recommendations to you are set forth in a written investment advisory agreement you will enter with Human Investing at the inception of our relationship. For most clients, we provide these services in conjunction with our rendering of ongoing investment management services (described below). In these circumstances, we will use our investment discretion to implement and monitor the investments we recommend in the hiPlan within the client’s designated investment accounts. Where the client’s hiPlan includes recommendations related to assets held outside of the accounts designated for our ongoing management and supervision, the client will make all final investment decisions and will be responsible for implementation and monitoring of all such “held away” investments. In the rare instances where we provide financial planning services on a stand-alone basis, the client makes all final investment decisions and is solely responsible for the implementation and monitoring of all recommended investments.
Investment Management Services: We focus on developing, managing, and supervising disciplined investment portfolios prescribed to our clients based on their unique financial circumstances, investment objectives, goals, and needs. Most clients who engage us for these services will receive financial planning services and hiPLAN recommendations on human investing®FORM ADV PART 2 • 2 a complimentary basis as part of their engagement. The nature of our financial

planning services is described above.
For individual clients, the basis for our investment management advice is their hiPLAN recommendations. For institutional clients, the recommended portfolios are a derivative of their investment policy statement (“IPS”). We either help the client build an IPS or we manage the investments to an existing IPS, depending on the client’s circumstances. We typically utilize broadly diversified low-cost index fund portfolios and/or individual stock and bond strategies depending on the client’s financial plan/IPS, risk tolerance, and/or stated investment preferences and restrictions. When engaging us for these services, you will typically be required to grant us ongoing and continuous discretionary authority to execute our investment recommendations within your designated accounts without obtaining your prior approval for each specific transaction. For more information on the scope of our discretionary authority, please see Item 16 of this brochure. You are always able to place reasonable restrictions on our management of your accounts, such as restricting our ability to invest in certain specific securities or industries. Following our initial implementation of the desired portfolio of investments, we will monitor the status of your accounts on an ongoing basis and implement changes to your portfolio as we believe to be necessary and appropriate based on your unique investment objectives and needs and our fiduciary duty to you.
Tax Consulting and Compliance Services: We are licensed with the State of Oregon’s Board of Tax Practitioners. Tax preparation and consulting services (collectively, “Tax Services”) include the preparation of client tax returns and/or consulting regarding the client’s specific tax circumstances and needs. Some tax planning, within the context of a financial plan, is included within our service offering. Tax compliance services (e.g., filing tax returns) as well as tax consulting projects are billed separately and like our financial planning services, will require gathering all necessary documents and information from you. You are never required to engage the firm or any of its associated persons for Tax Services and may seek tax preparation and consulting advice from any provider of your choice. Workplace Advisory Services: We offer general employee investment education and tailored investment advice to retirement plan participants. We also offer consulting services to retirement plan sponsors acting as a fiduciary and/or investment manager pursuant to sections 3(21) and/or 3(38) of the Employee Retirement Income Security Act of 1974 (“ERISA”). In this capacity, our role is typically to provide investment management to 401(k) plans and/or to advise on the selection of funds within such plans.
The fees associated with each of the above services are described in Item 5 of this brochure.
D. Wrap Fee Programs. A wrap fee program generally involves an investment account where you are charged a single, bundled, or “wrap” fee for investment advice, brokerage services, administrative expenses, and other fees and expenses. Except for services offered under our separate “Access by Human Investing” advisory program (“Access Program”), we do not sponsor, serve as the portfolio manager to, or recommend any wrap fee programs to our clients. We maintain a separate informational brochure that describes the nature of our Access Program services and fees. Please inquire with us at the telephone number reflected on the cover page of this brochure if you would like to receive a free copy of our Access Program brochure.
E. Assets Under Management. Human Investing manages approximately $639,112,826 of client assets on a discretionary basis and $1,001,457,068 client assets on a non-discretionary basis. Of the total assets reflected above, approximately $453,582,057 of non-discretionary assets can be attributed to retirement plans where Human Investing serves as a fiduciary under section 3(38) of ERISA, and $546,852,017 of non-discretionary assets can be attributed to retirement plans where Human Investing serves as a fiduciary under section 3(21) of ERISA. The total amount of regulatory assets under management for Human Investing is approximately human investing®FORM ADV PART 2 • 3 $1,640,569,894. These amounts were calculated as of December 31, 2023.
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