Firm Description Financial Freedom, LLC was founded in 1981 by Allen A. Osgood. The firm consists of two advisors; Allen A. Osgood and Allen A. Osgood, Jr., both of whom are Certified Financial Planner™ practitioners. Financial Freedom provides Fee-Only Wealth Management Services which includes comprehensive financial planning and investment management services. Our primary objective is to help our clients achieve their life goals and objectives. We are Fee-Only financial planners. Our compensation is solely from fees paid directly by clients. We do not receive commissions based on client purchases of any financial product, including insurance. No commissions in any form are accepted. No referral fees are accepted. Client assets are held by independent custodian, Fidelity Investments (Boston, MA) in each client’s name. While it is not a formal requirement to custody assets at Fidelity Investments, we do recommend that to our clients given the services that Fidelity provides. We may recommend other professionals (e.g., lawyers, accountants, insurance agents, real estate agents, etc.) at the request of a client. Other professionals are engaged directly by the client on an as-needed basis even when recommended by us. While not anticipated, any potential conflicts of interest will be disclosed to the client and managed in the best interest of the client. Principal Owners Financial Freedom, LLC is owned by Allen A. Osgood and Allen A. Osgood, Jr. There are no intermediate subsidiaries or any other owners. Types of Advisory Services Financial Freedom, LLC offers Fee-Only Wealth Management focused on the following services: 1. Comprehensive Financial Planning The development and implementation of a comprehensive financial plan is the foundation, or roadmap, to achieving ones goals. The comprehensive plan provides a strong foundation on which to build financial security. Based on a client’s individual goals and objectives, we help develop and then implement a comprehensive plan that is uniquely tailored to their specific needs. The comprehensive financial plan normally addresses:
• Financial (and Non-Financial) Goal Setting and Goal Achievement

• Investment Management and Asset Allocation
• Retirement Planning (including Monte Carlo simulation)
• Estate Planning
• Cash Flow and Savings Analysis
• Insurance, Risk Analysis and Risk Reduction
• Tax Planning and Effective Tax Reduction Strategies
• College Funding (Children & Grandchildren)
• Executive Compensation and Stock Options 2. On-Going Wealth Management Services Once a comprehensive financial plan has been developed, we help a client successfully accumulate and manage the wealth necessary to achieve their goals and objectives. This On-Going Wealth Management relationship includes both on-going comprehensive financial planning and investment management services. The core of investment management involves providing proactive and on-going asset allocation and portfolio diversification that is responsive to changing investment opportunities and client circumstances. Tailored Relationships All services are tailored to the individual needs of our clients. Client goals and objectives are clarified in meetings and via correspondence and are used to determine the course of action for each individual client. The goals and objectives for each client are documented in our client files, either in hard copy or in electronic files. For those clients having an On-Going Wealth Management relationship, we further document goals and objectives through the development of a written Investment Policy Statement. Clients may impose restrictions on investing in certain securities or types of securities. This must be done in writing and be signed by the client and Financial Freedom, LLC. Wrap Fee Programs Financial Freedom, LLC does not utilize or participate in any wrap fee programs. Managed Assets As of December 31, 2023, our Regulatory Assets Under Management are approximately $391,584,000 and consists of 772 accounts custodied at Fidelity Investments for about 115 client households. All $391,584,000 of regulatory assets under management are custodied at Fidelity Investments and are managed on a non-discretionary basis. We seek client approval prior to making any changes in a client’s account.