TCFG Investment Advisors is an investment advisor registered with the SEC. The Firm was incorporated in Delaware in December 2012, and its principal place of business is located in Laguna Niguel, California. The Firm's principal owner is the Certus Financial Group, LLC (“Certus”), which owns 75% or more of the Firm. Rick Roberts is the Firm’s President and Chief Executive Officer and has held such positions since December 2013. Mr. Roberts owns 72.05% of Certus. All other owners are minority owners. TCFG is a national firm offering a variety of investment advisory services through its Advisors registered with the Firm. Services provided are discussed further in this Brochure, and each Advisor contracts with and arranges specific services tailored to the needs of the individual Client. INDIVIDUAL PORTFOLIO MANAGEMENT TCFG, through its investment advisor representatives (“Advisors”), provides Clients continuous asset management based on individual needs. Advisors use various resources offered by the Firm to provide such services. Recommendations made to Clients will be made after discussing the goals and objectives of affected account(s), taking into consideration such factors as time horizons, risk tolerance, liquidity needs, prior investment history, and other factors. Client accounts are managed on a discretionary or non-discretionary basis. Accounts managed on a discretionary basis do not require express permission from the Client before trading in the Account. Prior to exercising discretion over a Client's account, the Client must execute a Discretionary Account Agreement which allows the Advisor to trade the account without prior authorization from the Client. Whether accounts are managed on a discretionary or non-discretionary basis, the Client can impose restrictions on investing in certain securities, types of securities, or industry sectors. These restrictions must be provided in writing. TCFG has a fiduciary duty to provide services consistent with the Client’s best interests. As part of its investment advisory services the Advisors will review Client portfolios at least annually to determine if any changes are necessary based upon various factors including, but not limited to, investment performance, style drift, account additions/withdrawals, and/or a change in the Client’s investment objectives. The investment recommendations are not limited to any specific product or service offered by a broker-dealer or other investment advisor or insurance company and can include advice regarding any security. MODEL PORTFOLIO MANAGEMENT The Firm’s Advisors can provide portfolio management services to Clients using model asset allocation portfolios. Each model portfolio is designed to meet a particular investment goal and can be used as a single allocation or combined with other models to meet the Client's needs. In addition to a wide variety of asset classes making up the model, various management styles can be deployed within the portfolio. Each model will be discussed with the Client to determine the appropriateness of allocations and any restrictions the Client wishes to place on the types of investments to be held in the account(s). Model portfolios are managed on a discretionary basis only. Changes to the portfolios are guided by each Client's stated objectives, any post implementation changes to the stated objectives, and tax considerations. In all cases, however, the portfolio will at a minimum be reviewed with the Client annually. Clients are responsible to notify their Advisor when any changes occur to their financial situation, investment objectives or risk tolerance. The Client understands that the Advisor will rely upon the information provided to them and will not verify this information. The Advisor cannot provide recommendations that are in the Client’s best interests without being provided accurate information. In an effort to remain as informed as possible, the Advisor will:
• send periodic written reminders to each Client requesting updated information regarding changes in financial situation and investment objectives;
• contact each Client at least annually to verify whether there have been changes in financial situation, investment objectives, and/or determine whether a Client wishes to impose investment restrictions or modify existing restrictions;
• be reasonably available to consult with the Client; and
• maintain Client suitability information in Clients’ respective files. FINANCIAL PLANNING The Firm, through its Advisors, provides financial planning services. Financial planning consists of an evaluation of a Client’s current and future financial needs using currently known variables

to predict future cash flows, asset values, withdrawal plans, and other needs or expectations. Through the financial planning process and analysis, the Advisor considers the Client’s entire financial and life situation. Clients purchasing this service receive a written report designed to assist in achieving financial goals and objectives. In general, the financial plan will address any or all of the following areas.
• PERSONAL: A review of family records, budgeting, personal liability, estate information, and financial goals.
• TAX & CASH FLOW: An analysis of the Client’s income tax, spending, and planning for past, current, and future years as well as illustration of the impact of various investments on the Client's current income tax and future tax liability. (Please note the Advisors are not tax professionals and Clients should consult their own tax accountants prior to making a decision regarding taxes.
• INVESTMENTS: An analysis of investment alternatives and their effect on the Client's portfolio.
• INSURANCE: As permitted by regulation and licensure of the Advisor, the Advisor can provide an analysis of existing policies to ensure proper life, health, disability, long-term care, liability, home, and automobile insurance coverage.
• RETIREMENT: An analysis of current strategies and investment plans to help the Client achieve retirement goals.
• DEATH & DISABILITY: A review of the Client’s cash needs at death, income needs of surviving dependents, estate planning, and disability income.
• ESTATE: Assist the Client in assessing and developing long-term strategies including, as appropriate, living trusts, wills, estate tax review, powers of attorney, asset protection plans, nursing homes, and Medicaid. Advisors, however, cannot provide legal or tax advice to any Client. The Advisor gathers the required information to formulate the financial plan through in- depth personal interviews. Information gathered includes the Client's current financial status, tax status, future goals, return objectives, and attitudes toward risk. The Advisor carefully reviews documents supplied by the Client, including a questionnaire that is completed by the Client. Should the Client choose to implement the recommendations contained in the plan, the Client will work closely with his/her attorney, accountant, insurance agent, and/or stockbroker under separate contract to implement the financial plan. The Client is under no obligation to implement the transactions through the Investment Adviser. Typically, the financial plan is presented to the Client within 90 days, provided all information needed to prepare the financial plan has been promptly and adequately supplied. Financial planning recommendations are not limited to any specific product or service. All recommendations are of a generic nature. CONSULTING SERVICES Clients can also receive investment advice on a more focused basis. This can include advice on only an isolated area of concern such as estate planning, retirement planning, or any other specific topic such as the purchase of a house or car. Advisors can also provide specific consultation and administrative services regarding Clients’ investment and financial concerns. Consulting recommendations are not limited to any specific product or service. THIRD PARTY MONEY MANAGERS Advisors can also determine that opening an account with a professional third-party money manager is in the Client’s best interests. Third party money manager programs allow Clients to obtain portfolio management services that typically require higher minimum account sizes outside of the program. The money managers selected under these programs will have discretion to determine the securities they buy and sell within the account, subject to reasonable restrictions imposed by the Client. Under these programs, the Advisor will:
• Assist in the identification of investment objectives;
• Recommend specific investment style and asset allocation strategies;
• Assist in the selection of appropriate money managers and review performance and progress;
• Recommend reallocation among managers or styles within the program;
• Recommend the hiring and firing of money managers. Due to the nature of these programs, each of the independent money managers is obligated to provide the Client with a separate disclosure document. Clients should read the ADV Part 2 disclosure document of the money manager selected for complete details on the charges and fees they will incur. AMOUNT OF MANAGED ASSETS As of December 31, 2023, the Firm had assets under management of $ $506,774,284 , which are managed on a discretionary basis.