Financial Dimensions Group, Inc. (hereinafter referred to as "FDG") is an investment advisory firm offering asset management and financial planning and consulting services customized to your individual needs. In addition, FDG offers retirement consulting services.
FDG was formed under the laws of the State of Minnesota in 1995 and filed for investment adviser registration with the State of Minnesota in February 2002. FDG was registered with the State of Minnesota from 2002 until 2012. FDG filed for registration with the Securities and Exchange Commission in October 2012. The two equal owners of FDG are Gregg R. Anderson, CRD number 846528, and Gloria J. Pozzini, CRD number 1551179. Gregg is the President, Chief Compliance Officer, and an Advisory Representative of FDG. He has been in the financial services industry since 1978. Gloria is a Board Member and an Advisory Representative of FDG. She has been in the financial services industry since 1986. Additional business information about Gregg, Gloria, and the other Advisory Representatives who work with clients is disclosed in the Supplemental Brochures attached to this brochure.
FDG offers the following advisory services, with each service more fully described below:
•Asset Management
•VISION2020 Wealth Management Platform – Advisor Managed Portfolios Program
•VISION2020 Wealth Management Platform – Unified Managed Account Program
•Financial Planning and Consulting Services
•Retirement Consulting Services FDG has several Advisory Representatives located in various office in the United States. The Advisory Representatives are independent contractors of FDG. Each Advisory Representative has their own fee schedule that cannot exceed the fee schedules disclosed in Item 5 below. Further, your Advisory Representative is able to charge more or less than another FDG Advisory Representative. An Advisory Representative's fees are not correlated to experience, education, or any other aspect.
We tailor our advisory services to your individual needs. You can request us to restrict and/or limit certain securities or types of securities when we invest for you. To begin the process, we will ask you to complete a client profile inventory documents and a risk tolerance questionnaire to assist us with obtaining information about your financial situation and history. Additionally, one or more of our Advisory Representatives will meet with you and conduct an interview and data-gathering session to continue the due-diligence process. We will discuss your desired level of risk, your knowledge of investing, and how we can best meet your needs. The information we collect will help us to provide a program customized to your financial situation.
Depending on the services you have requested, we will gather various financial information and history from you such as:
•Retirement and financial goals
•Investment objectives
•Investment horizon
•Existing portfolio statements, including retirement account information
•Financial needs
•Tax bracket information
•Cash-flow analysis
•Cost-of-living needs
•Savings tendencies
•Other applicable financial information to provide the investment advisory services requested. 4 We use financial planning software such as Naviplan, Right Capital, EMoney, Profiles, Morningstar, and/or asset allocation programs to help us to assess your needs and develop customized solutions. These programs do not predict future results and do not prevent market fluctuations, loss, or provide any assurance you will attain your financial goals.
ASSET MANAGEMENT SERVICES Once we complete our analysis of your situation, we will work with you to determine which of our programs is best suited to your needs. Your Advisory Representative will determine an asset allocation customized to your financial goals, objectives, and risk tolerance. Your portfolio allocation will take into consideration your limitations or restrictions, the market and economy at the time, and your financial situation, goals, and objectives.
Our Advisory Representative will schedule a meeting with you and present the recommended portfolio allocation. Upon your approval, we will implement the initial portfolio allocation. After we implement the initial portfolio allocation, with your written approval as indicated in the Asset Management Agreement, we will provide continuous and ongoing management of your accounts.
FDG offers continuous and ongoing asset management services on a discretionary or non- discretionary basis.
 In a discretionary account, we will manage your account and make changes to the allocation as we deem appropriate. We will determine the securities to be purchased and sold in the account and will alter the securities holdings from time to time, without prior consultation with you.  In a non-discretionary account, we will contact you to discuss our recommendations. No changes will be made to the allocation of your account without prior consultation with you. Depending on your specific goals and objectives, we will generally hold positions in your account for a long term, even more than a year, or we may actively trade some securities holding such positions for periods of 30 days or fewer. Your portfolio may be similarly managed and contain similar holdings as compared to other clients' managed accounts. Since our investment strategies and advice are based on each client's specific financial situation, the investment advice we provide to you may be different or conflict with the advice we give to other clients regarding the same security or investment.
Our Advisory Representatives primarily use open-ended mutual funds, including no-load and load waived or mutual funds purchased at net asset value (NAV), and Exchange Traded Funds (ETFs). However, managed accounts are not exclusively limited to mutual funds and ETFs and occasionally include exchange listed or over-the-counter stocks or other products as are suitable based on your goals and objectives. We utilize A shares purchased at net asset value and institutional share classes. It is important to understand A shares have higher internal expenses but often have lower or no transaction costs. Over a period of time, A shares will become more expensive. Institutional share classes have a lower internal expense but often have higher transaction costs. Over a long period of time, institutional share classes are less expensive. Additionally, it is in the client's best interest and a conflict of interest for A shares to be used in a wrap account.
In acting in a client's best interest, FDG strives to have clients invested in Institutional share classes, which are less costly to clients versus A shares. A shares are those that carry a front-end load, which is waived in advisory accounts. This means that investors pay fees upfront when they purchase shares on the mutual fund. These fees vary, depending on the type of fund and number of shares purchased.
5 Institutional class shares typically do not have upfront fees. Institutional class shares have lower fees than other mutual fund classes. These shares have a minimum investment requirement, while A shares have lower minimums, so some investors will not be eligible to invest in Institutional shares.
Further, A shares have 12b-1 fees, which fees come from fund assets, therefore, indirectly from your assets. Institutional share classes typically do not pay 12b-1 fees. Some Fund fees include 12b-1 fees which are internal distribution fees assessed by the Fund, all or a portion of which are paid to the distributor(s) of the Funds. FDG and your Advisory Representative do not retain 12b-1 fees paid by the Funds. In certain instances, there is opportunity to be eligible to purchase certain mutual funds and ETFs without incurring transaction charges subject to certain conditions. For details, please refer to As a result, there is a conflict of interest because the receipt of the compensation provides an incentive to recommend investment products based on the compensation received, rather than on client needs. However, there are some funds where institutional share classes are not available, or the client does not meet the minimums. Thus, it can still be in the clients' best interest to be in the A shares, despite the higher cost. FDG has processes in place to help ensure that it is suitable for the clients to be invested in A shares.
Please refer to additional disclosures under Item 8.
Transactions in the account, account reallocations, and rebalancing may trigger a taxable event, with the exception of IRA accounts, 403(b) accounts, and other qualified retirement accounts.
As further described below, FDG has entered into a relationship to offer you brokerage services through Osaic Wealth, Inc. ("Osaic Wealth"). There is no affiliation between FDG and Osaic Wealth. If you select another brokerage firm for custodial and/or brokerage services, you will not be able to receive asset management services from FDG.
Advisory Representatives of FDG are associated with Osaic Wealth as Registered Representatives. Osaic Wealth is a diversified financial services company registered with the Financial Industry Regulatory Authority ("FINRA") as a broker-dealer engaged in the offer and sale of securities products.
Our Advisory Representatives recommend the purchase of securities offered by Osaic Wealth. If you purchase these products through them, they will receive normal commissions, which will be in addition to advisory fees. Therefore, a conflict of interest exists between their interests and your best interests. It is important to understand investment advisers have a fiduciary obligation to provide advice and services through the investment adviser that are in the best interest of the client. However, when advisory representatives act in the capacity as a registered representative, their obligation is to make recommendations and conduct transactions that are suitable to you but are not necessarily be in your best interest. Although our Advisory Representatives' security sales are reviewed for suitability by an appointed supervisor, you should be aware of the incentives they have to sell certain securities products and are encouraged to ask them about any conflict presented.
Please be aware that you are under no obligation to purchase products or services recommended by our Advisory Representatives in connection with providing you with any advisory service that we offer.
Accounts may not be established by the deposit of securities or the depositing of additional securities into existing fee-based brokerage accounts, which were purchased by you on a commission basis in the prior 36 months through Osaic Wealth. The purpose of this prohibition is to prevent you from paying duplicative or extra charges. You may also not want to open fee-based brokerage accounts 6 with the proceeds from the sale of commission trades because you will then bear the transaction fees on purchases and sales of the commission trades and the fees and charges associated with the fee- based brokerage account.
FDG offers a variety of programs under our Asset Management Service, many of which are wrap- fee programs. A wrap-fee program is a fee-based account for which you will pay a single fee for asset allocation, asset management services, and brokerage services. FDG and Advisory Representatives of FDG will receive a portion of the wrap fee for providing these advisory services. FDG offers access to the following wrap-fee programs: The Wealth Management Platform – Advisor Managed Portfolios and The Wealth Management Platform – Unified Managed Account Program. Prior to investing in these programs, we will provide you with the Wrap-Fee Program Brochure issued by the program sponsor, Vision2020 Wealth Management, Corp.
VISION2020 WEALTH MANAGEMENT PLATFORM – ADVISOR MANAGED PORTFOLIOS The Wealth Management Platform – Advisor Managed Portfolios Program ("Advisor Managed Portfolios") provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing, and custodial services through Pershing LLC ("Pershing"). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Using these tools and based on your responses to a risk tolerance questionnaire ("Questionnaire") and discussions that we have together regarding, among other things, your personal investment objective and goals, risk tolerance, investment time horizon, account restrictions, needs, personal circumstances and overall financial situation, your Advisory Representative constructs a portfolio of investments for you. Your Advisory Representative has the option to allocate your portfolio amongst a mix of stocks, bonds, options, exchange-traded funds, mutual funds, debt and fixed income securities, variable life and variable annuity sub-accounts and other securities ("Program Investments") which are based on your investment goals, objectives and risk tolerance. Each portfolio is designed to meet your individual needs, stated goals, and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio.
An initial minimum balance of $10,00 is required to open an account in the AMP Program.
For further Advisor-Managed Portfolios details, please see the Advisor-Managed Portfolios Wrap-Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in Advisor-Managed Portfolios. Please read it thoroughly before investing. VISION2020 WEALTH

MANAGEMENT PLATFORM – UNIFIED MANAGED ACCOUNT PROGRAM The Wealth Management Platform – Unified Managed Account Program ("UMA") provides you with the opportunity to invest your assets across multiple investment strategies and asset classes by implementing an asset allocation strategy. UMA is a Wrap Account program that offers these advisory services along with brokerage and custodial services for a single, annual, asset-based advisory fee.
After you discuss your financial goals and objectives with your Advisory Representative, your Advisor will recommend an asset allocation model ("UMA Model") to you which will consist of various asset classes such as equities, fixed income, cash and equivalents, or alternative investments. Your Advisory Representative selects appropriate Investment Managers and Funds to fulfil your asset allocation model consisting of: 7 a) Investment Strategies serviced and created by Investment Managers and/or your Advisory Representative that generally consist of a selection of mutual funds, exchange traded products, equities and/or bonds; b) Mutual funds and ETFs ("Funds"); or c) A combination of the preceding bundled together in an investment asset allocation model (individually or collectively, "Program Investment'").
We Your Advisory Representative will suggest a UMA Model Program Investments suitable for you based on your responses to a risk-tolerance questionnaire ("Questionnaire") and/or discussion between you and Your Advisory Representative regarding among other things, your personal investment objectives and goals, risk tolerance, investment time horizon, Program account restrictions and overall financial situation. In addition, you can place reasonable restrictions on investments held within your UMA Program account. All recommendations in the UMA are made on a discretionary basis, which means your Advisory Representative can act without your prior approval.
An initial minimum balance of $5,500 is required to open an account in the UMA Program.
For further UMA details, please see The Wealth Management Platform – Unified Managed Account Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in UMA. Please read it thoroughly before investing. FINANCIAL PLANNING We provide a variety of financial planning services to you regarding the management of your financial resources, based on an analysis of your needs. Generally, such financial planning services will involve preparing a financial program for you based on your financial circumstances and objectives. This information typically covers present and anticipated assets and liabilities, including insurance, savings, investments, and anticipated retirement or other employee benefits.
Our financial planning typically includes general recommendations for a course of activity or specific actions that you should take. For example, recommendations to obtain insurance or revise existing coverage, establish an individual retirement account, increase or decrease funds held in savings accounts, or invest funds in certain securities. We may refer you to an accountant or attorney for development of tax and/or estate plans.
Financial planning services to be provided to you will be outlined on the client agreement that you sign with us and will include one or more of the following: Financial Plan Analysis, Estate Planning, Employee Benefits Analysis, Insurance Review/Analysis, Tax Planning, Education Planning, Asset Allocation Analysis, Retirement Planning, 401(k) Review, and other topics of importance to the client.
FINANCIAL CONSULTING SERVICES In addition to financial planning services we provide you with consultation on various financial topics to address your specific needs and objectives. Our consultation can include financial counseling, account reviews, securities research and other advisory services related to investments. Consulting services, while similar to traditional financial planning, provide you with several distinct services such as: Budget Planning, Cash Flow Analysis, Debt Management. Education Planning, Estate, Legacy or Multigenerational Planning, Family Financial Planning, Life Transition Planning, Major Purchase Planning, Philanthropic/Charitable Planning and Special Needs Planning. Consulting services can be narrow in scope and do not always take into consideration all areas of the client's financial situation. Consulting services provided should not be construed as investment advice. 8 Financial Planning and Consulting Services are provided pursuant to a separate agreement for a negotiated, agreed upon fee.
RETIREMENT PLAN CONSULTING SERVICES We offer retirement consulting services to employee benefit plans and their fiduciaries. The services are designed to assist the plan sponsor (the "Company") in meeting its management and fiduciary obligations to the plan under ERISA. Retirement consulting services will consist of general or specific advice, and include any one or all of the following: 1. Platform Provider Search and Plan Set-up 2. Strategic Planning and Investment Policy Development/Review 3. Plan Review 4. Plan Fee and Cost Review 5. Acting as Third-Party Service Provider Liaison 6. Assessment of Plan Investments and Investment Options 7. Plan Participant Education and Communication 8. Investment Advice to Participant 9. Plan Benchmarking and Performance Review 10.Plan Conversion to New Vendor Platform 11.Assistance in Plan Merger 12.Legislative and Regulatory Updates; Plan Corrections. The Company may also engage us to provide a review of executive benefits, for separate compensation. We will determine with the Company in advance the scope of services to be performed and the fees for all requested services. Prior to engaging us to provide pension consulting services, the Company will be required to enter into a written agreement with us setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee-paying arrangements. The services outlined above that we provide are explained in more detail in the written agreement. We will also provide additional disclosures about our services and fees, where required by ERISA.
When we perform our agreed upon services, we will not be required to verify the accuracy or consistency of any information received from the Company.
We will serve in a non-discretionary ERISA fiduciary capacity with respect to some but not all of the services that we provide, which will be further explained in the written agreement we sign with the Company. The Company is always free to seek independent advice about the appropriateness of any recommendations made by us.
General Information The investment recommendations and advice offered by FDG and your Advisory Representatives are not legal advice or accounting advice. You should coordinate and discuss the impact of financial advice with your attorney and/or accountant. Our primary goal is to help our clients identify and pursue their financial goals, thereby enhancing the overall quality of their lives. IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), 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, 9 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 interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•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. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
IRA Rollover Considerations As part of our consulting and advisory services, we may provide you with recommendations and advice concerning your employer retirement plan or other qualified retirement account. We may recommend that you withdraw the assets from your employer's retirement plan or other qualified retirement account and roll the assets over to an individual retirement account ("IRA") that we will manage. If you elect to roll the assets to an IRA under our management, we will charge you an asset-based fee as described in Item 5. This practice presents a conflict of interest because our investment advisory representatives have an incentive to recommend a rollover to you for the purpose of generating fee-based compensation rather than solely based on your needs. You are under no obligation, contractually or otherwise, to complete the rollover. Furthermore, if you do complete the rollover, you are under no obligation to have your IRA assets managed by us.
Employers may permit former employees to keep their retirement assets in their company plan. Also, current employees can sometimes move assets out of their company plan before they retire or change jobs. In determining whether to complete the rollover to an IRA, and to the extent the following options are available, you should consider the costs and benefits of each.
An employee will typically have four options: 1. Leave the funds in your employer's (former employer's) plan. 2. Roll over the funds to a new employer's retirement plan. 3. Cash out and take a taxable distribution from the plan. 4. Roll the funds into an IRA rollover account. Each of these options has advantages and disadvantages. Before making a change, we encourage you to speak with your financial advisor, CPA, and/or tax attorney.
Before rolling over your retirement funds to an IRA for us to manage, carefully consider the following. NOTE: This list is not exhaustive.
1. Determine whether the investment options in your employer's retirement plan address your needs or whether other types of investments are needed. a. Employer retirement plans generally have a more limited investment menu than IRAs.
10 b. Employer retirement plans often have unique investment options not available to the public, such as employer securities or previously closed funds.
2. Your current plan may have lower fees than our fees.
a. If you are interested in investing only in mutual funds, you should understand the cost structure of the share classes available in your employer's retirement plan and how the costs of those share classes compare with those available in an IAR. b. You should understand the various products and services available through an IRA provider and their costs. c. It is likely you will not be charged a management fee and will not receive ongoing asset management services unless you elect to have such services. If your plan offers management services, there may be a fee associated with the service that is more or less than our asset management fee. 3. Our strategy may have higher risk than the options provided to you in your plan.
4. Your current plan may offer financial advice, guidance, management, and/or portfolio options at no additional cost.
5. If you keep your assets titled in a 401(k) or retirement account, and you are still working, you could delay your required minimum distribution beyond age 73.
6. Your 401(k) may offer more liability protection than a rollover IRA; each state may vary. Generally, Federal law protects assets in qualified plans from creditors. Since 2005, IRA assets have been generally protected from creditors in bankruptcies; however, there can be exceptions. Consult an attorney if you are concerned about protecting your retirement plan assets from creditors.
7. You may be able to take out a loan on your 401(k), but not from an IRA.
8. IRA assets can be accessed any time; however, prior to age 59 ½, distributions are subject to ordinary income tax and may also be subject to a 10% early distribution penalty unless they qualify for an exception, such as disability, higher education expenses, or a home purchase.
9. If you own company stock in your plan, you may be able to liquidate those shares at a lower capital gains tax rate.
10. Your plan may allow you to hire us as the manager and keep the assets titled in the plan name.
It is important that you understand your options, their features and their differences, and decide whether a rollover is best for you. If you have questions, contact your investment adviser representative or call our main number listed on the cover page of this brochure.
Assets Under Management As of January 26, 2024, we provide continuous management services for $2,115,837,292 in client assets on a discretionary basis, and $487,923,659 in client assets on a non-discretionary basis.