Our Owners and Principals Lumin Financial, LLC (hereinafter “Lumin,” “we,” “our,” and “us”) is an independent federally registered investment adviser, providing investment advisory services to employer- sponsored ERISA retirement plans, and 401(k) Plan participants. Since the firm’s inception in February of 2000, Lumin has serviced Plan trustees and fiduciaries in the various disciplines of investment management, fiduciary compliance, plan design, and participant education services. Additionally, Lumin provides investment advisory services to individuals, primarily high-net-worth investors, who seek a comprehensive approach towards building a secure retirement. Advisory services for clients include investment advisory, retirement income planning, and estate planning. Lumin Financial, LLC is 100% owned by Victor Hayes Hicks II. Our Advisory Services Lumin provides the following services to advisory clients: ERISA Retirement Plan Services We provide services to qualified retirement plans, which are subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), on a discretionary and nondiscretionary basis. As part of our services to qualified plans, we will act as a fiduciary of the plan under Section 3(21)(A)(ii) and when requested as an investment manager under Section 3(38) of ERISA. Lumin provides a variety of ongoing fiduciary and non-fiduciary services to qualified retirement plans based on an analysis of the needs of the Plan, Plan Fiduciary and Plan Sponsor. As a Plan “fiduciary,” Lumin provides services that include, but are not limited to: Advising on a discretionary and non-discretionary basis to the Plan Sponsor about asset classes and investment alternatives available for the Plan. Assisting the Plan Sponsor with the selection of a broad range of investment options consistent with ERISA section 404(c), and the regulations thereunder. oAs a 3(21) investment advisor, we will not have discretion to invest and reinvest the Plan assets without the Plan Sponsor’s prior consent. Thus, as a 3(21) advisor, we will share responsibility for the selection of investments. Part 2A of Form ADV 2 Lumin Financial, LLC oAs a 3(38) investment manager, the Plan Sponsor gives us discretionary authority to manage the Plan’s assets. This means the Plan Sponsor shifts their fiduciary responsibility to us for the selection of the Plan’s menu of investments. Assisting the Plan Sponsor in the development, and ongoing management, of an Investment Policy Statement (IPS). Providing the Plan Sponsor with advice on the selection of qualified default investment alternatives (“QDIA”), and other “default” funds. As a “Non-ERISA Fiduciary,” Lumin provides services that include, but are not limited to:  Delivering retirement and investment education to Plan participants, designed to increase retirement Plan participation and illustrate the importance of a calculated retirement savings strategy.  Reporting on performance, risk and fees of investment alternatives available for the Plan.  Conducting “provider searches” of various recordkeepers, custodians, and third party administrators. Performing an analysis of the fees and expenses associated with all service providers. 401(k) Plan Participant Services As part of our services to qualified retirement plans, we will provide investment advice as a fiduciary as defined in Sections 3(21)(A) and 3(38) of ERISA, to Plan participants who specifically request such advice. Lumin provides services to 401(k) Plan participants as a “Participant Adviser,” delivered through our advisory arrangement, titled “Managed Account Program” (hereinafter “MAP”). The MAP offers a broad range of “Allocation Models,” representing various levels of risk and return. Each Allocation Model is comprised of a diversified portfolio of competitively-priced mutual funds or exchange-traded funds (“ETFs”). In our comprehensive approach to operating the MAP, Lumin’s process adopts the seven “Global Fiduciary Principles,” which include: 1.Know the professional standards, governing laws, and provisions of ERISA plans 2.Diversify assets to a specific risk/return profile of the Plan participant 3.Prepare the participant’s IPS 4.Select prudent investments, and document the activities 5.Control and account for investment expenses Part 2A of Form ADV 3 Lumin Financial, LLC 6.Monitor the selected investments 7.Avoid conflicts of interest and prohibited transactions Individual Investment Advisory Services Lumin provides investment advisory services for individuals (which includes individuals, high-net-worth investors, charitable organizations, and corporations) on a discretionary basis. Investment advisory services are based on the individual goals, objectives, time horizon, and risk tolerance of each client. Based on the information provided by each client, Lumin creates and delivers an IPS, which includes a projection of retirement income and investment risk. The IPS outlines the client’s income, wealth, risk tolerance and tax levels; and it helps establish parameters for the investment advisory process. Investment Advisory Services include, but are not limited to, the following:  Analyzing the economy and financial markets;  Developing and managing investment strategy;  Constructing and managing the personal investment policy;  Implementing asset allocation and securities selection;

and  Continuously monitoring and reporting progress of the portfolio. We rely upon the information you provide us; Lumin will not independently verify the accuracy or completeness of the information you provide. Therefore, clients must let us know, in writing, if their financial needs, circumstances or objectives change. Clients receiving discretionary investment advisory services may also elect to receive additional, non-discretionary advice with respect to outside accounts, including retirement accounts, for no additional fee. If a client elects to receive this additional service, Lumin will provide investment recommendations for the client’s identified outside accounts based on the strategies available to such accounts for the client’s self-implementation. Recommendations to Rollover or Transfer Retirement Assets We act as an “investment advice fiduciary” under ERISA and the Internal Revenue Code of 1986, as amended (the “Code”) when we make a recommendation to a retirement investor to distribute or transfer (“rollover”) a retirement plan account or individual retirement account including, Health Savings Accounts (“HSAs”), Medical Savings Accounts (“MSAs”) and Coverdell Education Savings Accounts (“Educational IRAs”) to us for management. Retirement investors include ERISA plans, participants and individual retirement account (“IRA”) owners. If you accept the recommendation, Lumin will receive compensation that we would not Part 2A of Form ADV 4 Lumin Financial, LLC otherwise receive. Therefore, the recommendation creates a conflict of interest. To address this conflict we must comply with the impartial conduct standards that require us to always provide prudent investment advice designed to meet the retirement investor’s investment goals. We must put the retirement investor’s financial interest ahead of our own interests when making such recommendations and avoid misleading statements about conflicts of interest, fees, and investments. In addition, among other requirements, our fees must be reasonable for our services. A retirement investor leaving an employer has four options regarding an existing retirement plan (and under certain circumstances may engage in a combination of the following options). We will provide general education, for discussion purposes, regarding the “pros and cons” to each of these choices: (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an IRA, or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If we recommend a roll over from a retirement plan account or a transfer of an IRA account into an account to be managed by Lumin, such a recommendation creates a conflict of interest if the retirement investor accepts the recommendation as we earn a fee on the market value of the rollover or transferred IRA which would not be earned if the money was not placed under our management. 529 Education Plan Advisory Services Lumin provides investment advisory services for 529 Education Plans. Investment advisory services are based on the individual goals, objectives, time horizon, and risk tolerance of each client. Financial Planning Services Financial Planning Services may include, but are not limited to: investment planning, life insurance, tax concerns, retirement planning, college planning, and debt/credit planning. Implementation of any advice or recommendations pertaining to securities and/or non-securities matters (such as insurance), in whole or in part, is entirely at the client’s discretion through the service provider(s) of the client’s choice. Clients will engage us by first executing a Financial Planning agreement and our services are offered on a fixed fee or hourly fee basis. If you choose to engage us to provide other services, such as investment advisory, you will sign a separate investment advisory agreement and pay a separate and additional fee. Types of Investments Lumin limits our investment advice to mutual funds, equities, bonds, fixed income, debt securities, ETFs, insurance products including fixed annuities and government securities. Lumin may use other securities as well to help diversify a portfolio when applicable. Part 2A of Form ADV 5 Lumin Financial, LLC Client Tailored Services and Client Imposed Restrictions Lumin offers the same suite of services to all of our clients. However, each client’s financial plan and implementation is dependent upon the client’s IPS. The IPS outlines each client’s current situation (income, tax levels, time horizon, and risk tolerance levels) and is used to construct a specific plan that best matches the client’s restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent Lumin from properly servicing the client account, or if the restrictions would require Lumin to deviate from our standard suite of services, Lumin reserves the right to end the relationship. Assets Under Management Regulatory Discretionary Assets Regulatory Non-discretionary Assets Non-Regulatory Assets Date Calculated $145,858,745 $29,599,792 $1,533,156 12/31/2022