Firm Description Gasber Financial Advisors, Inc., hereinafter (“GFA”) was founded in 1995 and is an SEC-registered investment adviser. GFA is a fee-only financial planning and investment management firm. Principal Owners: Gerald E. Gasber is an 80% stockholder Karen Miller is a 20% stockholder Advisory Services GFA provides personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Investment advice is provided, with the client granting discretion through a limited power of attorney to GFA who makes the final decision on investment positions within the parameters established by the investment management agreement and/or the investment policy statement. GFA does not act as a custodian of client assets as the client always maintains asset control. The firm does not sell securities or insurance on a commission basis and is not affiliated with entities that sell financial products, securities, or insurance. The following describes our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. Types of Advisory Services GFA provides comprehensive personal financial planning services and furnishes investment advice for a fee to individuals and couples, small business owners, retirees, and non-profit organizations. As part of the financial planning service, GFA furnishes advice to clients on matters not involving securities, such as taxation issues, retirement planning, cash flow, and related matters. . Tailored Relationships The goals and objectives of each client are documented in their Financial Plan or Investment Policy Statement. Written Investment Policy Statements reflect an understanding of GFA’s and the client’s respective roles and responsibilities related to investment management services. Clients may impose restrictions on investing in certain securities or types of securities or asset classes. Assignment of Investment Management Agreements Agreements may not be assigned without client consent. Types of Services Financial Planning Agreement GFA provides comprehensive personal financial planning services for a variety of individuals and families including business owners, professionals, corporate executives, inheritors, and retirees. Use of our investment management services is not required of those who wish to use personal financial planning services. The financial planning process typically involves the following steps:
• Establishment/definition of the relationship with the client
• Gathering of client data and determination of client goals, objectives, and risk tolerance 5 | P a g e
• Analysis and evaluation of the client’s current financial status
• Evaluation of alternative solutions
• Development and presentation of recommendations
• Assistance with implementation Financial planning analysis and recommendations are tailored to the client’s needs and circumstances and may include:
• Risk Management/Insurance (life, disability, medical, long-term care, property & casualty, liability, etc.)
• Employer and government benefits (Social Security, Medicare, etc.)
• Tax Planning
• Investment analysis and planning
• Retirement Planning (How much will I need to retire? When can I retire? Am I spending too much and in danger of running out of money?)
• Estate and Philanthropic planning, family gifting
• Savings, Budgeting, Debt Management, Saving for College Clients will receive a written copy of the financial plan. The financial plan does not include recommendations on specific individual investments. Specific investment recommendations are considered part of the Investment Management or Wealth Management service. GFA does not provide legal or tax advice and does not prepare any kind of income tax, gift or estate tax return, or any legal document. Investment Management Services (Non-Qualified Plans) GFA provides investment management services exclusively on a fee basis. These services include:
• Determination of the client’s investment goals and risk tolerance
• Design of an asset allocation appropriate to the client’s individual circumstances
• Development of an Investment Policy Statement
• Determination of individual securities to be bought or sold and selection of appropriate fund managers
• Buy-sell trades as determined by the above steps
• Monitoring of the investments and asset allocation with quarterly review and rebalancing as required
• Regular annual review meetings with the client
• Re-assessment of client’s risk tolerance on a three-year cycle 6 | P a g e The vast majority of investments recommended by GFA are in the form of no-load mutual funds or Exchange Traded Funds or equivalent investment products. When such securities are employed, the fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. If a brokerage/custodian is used to purchase a mutual fund, the brokerage/custodian may charge a

transaction fee. The brokerage/custodian may also charge a fee or mark-up or mark-down for stock and bond trades. GFA does not share in any of these fees and does not receive any compensation from fund or brokerage/custodian companies for these services. GFA may offer advice on securities that include but are not limited to stocks, bonds, mutual funds, exchange-traded funds, exchange-traded notes, hedge funds, venture capital opportunities, derivative debt and equity securities, private and public REITs, and other partnership interests such as those investing in mortgages or venture capital. GFA may also offer advice on other types of investments such as business opportunities. Should such advice be offered by GFA when the investment is unlikely to end up in the GFA- managed portfolio, then the analysis of such opportunities is considered a financial planning service and would be subject to all guidance, limitations, and fees described in the financial planning section. Wealth Management Services Wealth Management includes financial plan implementation, ongoing maintenance and updating of the financial plan, general financial advice, investment advice, and investment management services. An exception to this rule may arise if a client wishes GFA to provide advice and analysis well beyond GFA’s normal financial planning services. Planning services directed at previously unaddressed topics, extraordinary research, or analysis may involve additional costs, which will be negotiated on an individual basis prior to beginning such work. Investment Management & Services (Qualified Plans) GFA provides investment management and other services exclusively on a fee basis to Qualified Plans including Pension, Profit Sharing, and 401(k) Plans. These services include:
• Development of an Investment Policy Statement
• Design of an appropriate asset allocation and/or model portfolios
• Determination of individual securities to be bought or sold and selection of appropriate managers
• Qualified Default Investment Alternative selection
• Monitoring of the investments and asset allocation with review and rebalancing as determined
• Regular review meetings with the client no less frequently than semi-annually
• Plan investment performance benchmarking
• Plan Fee & Expense benchmarking
• Plan design consultation
• Employee enrollment and education GFA generally recommends no load mutual funds, Exchange Traded Funds, or equivalent investment products. When such securities are employed, the fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. If a 7 | P a g e brokerage/custodian is used to purchase a mutual fund, the brokerage/custodian may charge a transaction fee. GFA does not share in any of these fees and does not receive any compensation from fund or brokerage/custodian companies for these services. Insurance Services When appropriate, Gasber may recommend that a client obtain insurance as part of an overall financial plan. Gasber has a relationship with DPL Financial Partners, LLC (“DPL”) a third-party provider of a platform of insurance consultancy services. Clients are under no obligation to use DPL's service and may seek insurance advice from any licensed agent. GFA does not receive compensation for insurance products selected by the client, whether secured through DPL or any other agent. Hourly Engagements GFA provides hourly financial planning services at its sole discretion for certain clients who need advice on a limited scope of work. Hourly rates can be found in the “Fees and Compensation” section of this brochure. IRA Rollover Recommendations For purposes of complying with the DOL’s Prohibited Transaction Exemption 2020-02 (“PTE 2020-02”) where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations;
• Never put our financial interests ahead of yours when making recommendations;
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. As of December 31, 2022, GFA managed approximately $139,507,392 in assets. Approximately $132,696,218 is managed on a discretionary basis, and $6,811,174 is managed on a non-discretionary basis. GFA does not act as a sponsor or provide investment management services to a WRAP program. 8 | P a g e