The Pinnacle Financial Group (hereinafter “TPFG”, “we”, “us”, “our” or the “Firm”) is organized as a New York Corporation with a principal place of business in the state of New York. The firm was formed in May of 2012, and the principal owner is Joseph Esposito. TPFG offers services under the additional following names:  North Star Wealth Investors  Pension & Wealth Consultants  Agrillo Financial Group  McKenna Financial Planning  NSI Group  Mario Molino and Associates  Pinnacle Wealth Strategies Group  Atlantic Financial Group  FIA Financial  Coleman Investment Management  Flagship Wealth Management TPFG offers various types of advisory services including portfolio management services, pension consulting services, selection of other advisors, and participation in wrap fee programs. This Brochure provides a description of the advisory services offered through the wrap fee programs listed below. For more information about Advisor's other investment advisory services, please contact Advisor for a copy of a similar brochure that describes such services or go to www.adviserinfo.sec.gov. TPFG participates in and may recommend the following wrap programs to its clients:  OMP - Optimum Market Portfolios Program  PWP - Personal Wealth Portfolios Program  MWP - Model Wealth Portfolios Program  MAS - Manger Access Select Program  SWM II – Strategic Wealth Management II In the Programs, TPFG, through its investment advisor representatives or IARs, provides ongoing investment advice and management on assets in the client’s account. IARs provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), variable annuity subaccounts, business development companies (“BDCs”), private equity, real estate investment trusts (“REITs”), equities, and fixed income securities. IARs provide advice that is tailored to the individual needs of the client based on the investment objective chosen by the client. Clients may impose restrictions on investing in certain securities or groups of securities by indicating in the Account Application. The

Programs also permit clients to select a third-party investment advisor firm associated with an TPFG registered representative, in lieu of an IAR, to provide the advisory services described in this brochure. TPFG provides management services on a discretionary basis. The client authorizes the Advisor to have discretion by signing an advisory agreement. Assets for program accounts are held at LPL Financial ("LPL") as custodian. LPL also acts as executing broker/dealer for transactions placed in program accounts and provides other administrative services as described throughout this Brochure. Assets Under Management As of December 31, 2022, TPFG’s total discretionary assets under management were $1,203,901,225. Fee Schedule In each Program, clients pay Advisor a single annual advisory fee for advisory services and execution of transactions. Clients do not pay brokerage commissions, markups or transaction charges for execution of transactions in addition to the advisory fee. The advisory fee is negotiable between the client and the Advisor and is set out in the advisory agreement. The advisory fee is a percentage based on the value of all assets in the account, including cash holdings. Advisory fees range between 0.00% to 2.50%. Payment in Advance and Refund of Pre-Paid Fees Fees are paid quarterly in advance, and clients may terminate their contracts with seven days’ written notice. If an account terminates their agreement prior to the end of the quarter, refunds are given on a prorated basis, based on the number of days remaining in a quarter at the point of termination. Fees that are collected in advance will be refunded based on the prorated amount of work completed up to the day of termination within the quarter terminated. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the quarter up to and including the day of termination. (*The daily rate is calculated by dividing the quarterly AUM fee by the number of days in the termination quarter). Clients may terminate their contracts without penalty, for full refund, within 5 business days of signing the advisory contract.