Householder Group is an SEC Registered RIA formed under the laws of the State of Delaware. Householder Group is owned by The ASG Ohio Legacy Trust, of which Rebecca L. Schramm is the Trustee. A variety of investment advisory services are available through Householder Group. By leveraging a network of advisory representatives (“Advisors”) across the United States, Householder Group offers personalized investment advisory services to individuals, pension and profit-sharing plans, trusts, estates, corporations, and other business entities. Householder Group is an investment advisory firm offering a variety of advisory services customized to your individual needs. You should carefully consider the information provided in this Brochure regarding Householder Group including its advisory services, fee arrangements, and business practices before becoming an advisory client. Householder Group offers the following services, which are more fully described below.
• Portfolio Management Services
• Analysis, Recommendation & Monitoring of Third-Party Managed Programs
• Financial Planning & Consulting Services
• Pension Consulting Services
• Seminar & Education Programs
• Estate Planning Services
• Retirement Plan Services
• Insurance Consulting Service 1: Portfolio Management Services Householder Group offers two management options.
• A non-wrap program. This option involves the client paying a fee to Householder Group and paying ticket or transaction charges on each transaction executed in the account. The exception is that there is a select listing of securities (typically reserved to mutual funds) for which no transaction fees will be assessed. However, the security is subject to a holding period to avoid early liquidation fees. For securities with holding periods, clients are not prevented from liquidating during the holding periods, however, there is a fee associated with liquidations during the holding period.
• A wrap program. This option involves the client paying a single fee which will include asset management services and transactional fees. No separate transaction fees will be assessed. It is important clients read Householder Group’s Appendix 1 (Wrap Program Brochure). Typically, a wrap program will be more expensive for those managed accounts where there is less trading. Conversely, a wrap program is more cost- effective for clients who engage in frequent transactions. Householder Group provides discretionary and non-discretionary portfolio management services where the investment advice provided is custom-tailored to meet your individual needs and investment objectives. You may impose restrictions and/or limitations on investing in certain securities or types of securities. At the inception of the relationship, a Householder Group Advisor will conduct a data-gathering interview with you to determine your investment objectives, risk tolerance, and other relevant information. Based on the information provided by you, the Advisor will recommend an initial portfolio to you. Upon your approval, your Advisor will have you complete the Client Advisory Services Agreement and implement the portfolio allocation. Householder Group will provide continuous and ongoing management of your account. As further described below, Householder Group has entered into a relationship to offer you brokerage and custodial services through LPL Financial Corporation (“LPL”). There is no affiliation between Householder Group and LPL. 2024 Page 5 Householder Group Advisors offers advice on all exchange-listed securities and those traded over the counter. Advice is also offered on variable annuities, variable life insurance, mutual funds, U.S. government securities, corporate debt instruments, certificates of deposit, municipal securities, security and index option contracts, and any other products that would be appropriate for the individual client, provided such products are approved for offering by LPL. Your Advisor will develop an asset allocation strategy for you that consists of an agreed-upon percentage mix of fixed income and equity investments. The fixed income allocation will include one or more of the following (a) cash (b) money market funds (c) U.S. government securities (d) foreign government bonds (e) U.S. corporate debt (f) foreign corporate debt (g) municipal securities (h) fixed income mutual funds and (i) any other appropriate fixed income investment. The equity portion of the allocation will include one or more of the following (a) individual stocks which are exchange listed (b) individual stocks which are traded over the counter (c) individual stocks issued by foreign corporations (d) equity mutual funds (e) variable annuity products (f) securities option contracts (non-discretionary only and limited to purchases of put options where the account is long the underlying security & writing covered calls) (g) interests in direct participation programs (h) Exchange Traded Funds (“ETFs”) and (i) any other appropriate equity investment. Recommended mutual funds can be no-load or load-waived. Additionally, we provide managed portfolios containing an element of option transactions and strategies. It is important to refer to the disclosures under Item 5 - Fees and Compensation below for important information about the costs associated with different share classes. Joint Advisors A client may establish an account with two Householder Group Advisors (“Joint Advisor Accounts”). For Joint Advisor accounts, one Advisor shall be responsible for managing assets in the Joint Advisor Account (“Managing Advisor”) and the other Advisor (“Servicing Advisor”) will be responsible for establishing and servicing the Joint Advisor Account, communicating and conducting meetings with the client concerning the Joint Advisor Account and the performance of the Joint Advisor Account, making investment recommendations to the client including the use of the Managing Advisor to manage assets in the Joint Advisor Account and ensuring that all required documentation is maintained for the Joint Advisor Account. The client or the Servicing Advisor may discontinue the services of the Managing Advisor at any time and for any reason. Non-WRAP Program Strategic Wealth Management (SWM-CLT). Strategic Wealth Management is the name of the open architecture account held through LPL as the qualified custodian to support investment advisory services provided by Householder Group. Clients are charged transaction fees in addition to the advisory fee. Transaction charges paid by the client for equities and ETFs are $0 or $9. For mutual funds, the transaction charges range from $0 or $26.50. For UITS, the transaction charges are $35.00. For Options, the transaction charges are $25.00. WRAP Programs Householder Group offers other advisory programs. A description of Householder Group’s other advisory programs is disclosed in the Householder Group Form ADV Part 2A Appendix 1 available to you at any time upon written request. The fees for other advisory and management programs may be less than the fees for Householder Group’s wrap programs. Service 2: Analysis, Recommendation & Monitoring of Third-Party Managed Programs The Advisor has entered into agreements with various third-party advisors. Under these agreements, the Advisor offers clients various types of programs sponsored by these advisors. All third-party investment advisors to whom the Advisor will refer clients will be licensed as investment advisors by their resident state and any applicable jurisdictions or registered investment advisors with the Securities and Exchange Commission. After gathering information about a client's financial situation and investment objectives, the Advisor will assist the client in selecting a particular third-party program. Advisor has entered into agreements with various other third-party investment advisors (“Third Party Advisory Service”) for the provision of certain investment advisory services. Advisor’s IARs will provide individualized advisory services to their clients through the selection of a suitable Third-Party Advisory Service. Factors considered in the selection of a Third-Party Advisory Service include but may not be limited to: (i) each individual IAR’s preference for a particular Third-Party Advisory Service; (ii) the client’s risk tolerance, goals and objectives, as well as investment experience; and, (iii) the amount of the client 2024 Page 6 assets available for investment. In order to assist clients in the selection of a Third-Party Advisory Service, the IAR will typically gather information from the client about the client’s financial situation, investment objectives, and reasonable restrictions the client wants on the management of the account. All securities transactions will be decided upon and executed by the Third-Party Advisory Service. Typically, the third-party investment manager will exercise discretion in the management of client accounts. Advisor and its IAR will not manage or obtain discretionary authority over the assets in accounts participating in these programs; however, clients may grant IARs the discretionary authority to hire and fire such third-party managers. Advisor’s IARs will periodically review reports provided to the client. An IAR will contact the client at least annually, or more often as agreed upon with each client, to review client’s financial situation and objectives, communicate information to the Third-Party Advisory Service managing the accounts as warranted, and to assist the client in understanding and evaluating the services provided by the Third-Party Advisory Service. Clients will be expected to notify IAR of any changes in their financial situation, investment objectives, or account restrictions. For those clients that require an enhanced and/or specialized level of asset management services, Advisor may also recommend that certain clients authorize the active discretionary management of a portion of their assets by and/or among certain independent investment manager(s) and/or investment programs (the “Independent Manager(s)”), based upon the stated investment objectives of the client, including investment managers and/or programs selected and/or recommended by Advisor. The terms and conditions under which the client shall engage Independent Manager(s) shall be set forth in separate written agreements between the client and the Advisor and the client and the designated Independent Manager(s). The Advisor shall continue to render advisory services to the client relative to the ongoing monitoring and reviewing of account performance, for which Advisor shall receive an annual advisory fee which is based upon a percentage of the market value of the assets being managed by the designated Independent Manager(s). Factors which the Advisor shall consider in recommending Independent Manager(s) include the client’s stated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Manager(s) are exclusive of, and in addition to, Advisor’s investment advisory fee set forth above. In addition to the fees charged by the Advisor, the designated Independent Manager(s) and corresponding broker- dealer/custodian, the client, relative to any mutual fund purchases, shall incur charges imposed at the mutual fund level (i.e. advisory fees and other fund expenses). Householder Group Estate and Retirement Specialists may from time to time refer clients to a third party for compensation. Pursuant to Rule 206(4)-1 of the Investment Advisors Act of 1940, is required to have written agreement with such parties with respect to solicitation activities and referral fees, and clients referred pursuant to such arrangements must receive a disclosure document describing the arrangement and must provide written acknowledgement of receipt of such disclosure document. Householder Group Estate and Retirement Specialists is compensated by the third-party referrals out of management fees received on referred accounts for a specified or indefinite period of time. This does not increase the management fee incurred by the client. Service 3: Financial Planning and Consulting Services Householder Group engages in broad-based, modular, and consultative financial planning. Such advice typically involves providing you with a variety of services, principally advisory in nature, regarding the management of your financial resources based upon an analysis of your individual needs. Householder Group will gather required information through in-depth personal interviews between you and your Advisor. Once such information has been studied and analyzed, a written financial plan designed to work toward your expressed financial goals and objectives will be produced and presented to you. Financial plans are based on your financial situation at the time the plan is presented and on financial information you disclose to Householder Group. You are advised that certain assumptions will be made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. Householder Group and its Advisors cannot offer any guarantees or promises that your financial goals and objectives will be met. As your financial situation, goals, objectives, or needs change, you must notify your Advisor promptly. Some clients may only require advice on a single aspect of the management of their financial resources. For these clients, Householder Group offers financial plans in a modular and/or general consulting that address only those specific areas of interest or concern, which may include but are not limited to tax and budgetary planning, estate, insurance and retirement- planning and/or business planning. 2024 Page 7 Householder Group Advisors provide financial planning services to clients on direct participation programs approved for sale by LPL Registered Representatives. However, recommendations as to the advisability of purchasing or selling these investments will not be made in the Advisor’s capacity as a Householder Group Advisor. Payment using AdvicePay is not required but preferred by Advisor in order to provide financial planning services. The client, if they elect, will be invoiced through and payment made directly within the vendor’s secure site. The client will authorize and direct the fee to be paid to the Advisor. Advisor and AdvicePay are separate entities and there is no material conflict of interest for the use of this service. This service will be offered to current and new Financial Planning clients. AdvicePay does charge a fee for the services, but the client will not bear these costs. Advisor will pay all fees associated with the client’s use of this payment vendor. Service 4: Pension Consulting Services Householder Group provides pension consulting services to employee benefit plans and their fiduciaries based upon an analysis of the needs of the plan. In general, these services include an existing plan review, asset allocation advice, money management services, communication, and education services where Householder Group will assist the plan sponsor in providing meaningful information regarding the retirement plan to its participants, investment performance monitoring, and/or ongoing consulting. Householder Group has agreements with third-party administrators (“TPAs”) to provide these services as part of the TPA’s agreement with the plan. In these instances, the TPA may pay a portion of the fee charged to the plan to Householder Group for their services. In other instances, Householder Group may be introduced to a plan through a TPA and will provide service directly to the plan. Householder Group will hold educational seminars for the plan employees and provide information on the plan specifics and allocation choices. Householder Group Advisors will also meet with individual plan participants and offer personalized information based on their individual objectives. All client accounts are regulated under the Employee Retirement Income Securities Act (“ERISA”). Householder Group Advisors will provide consulting services to the plan fiduciaries as described above. Typically, the named plan fiduciary must make the ultimate decision pertaining to the services of such TPAs. TPA referrals can only be made to such administrators that are approved for use by LPL. The plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. Service 5: Seminars and

Educational Programs Householder Group conducts seminars and/or educational programs regarding tax planning, estate planning, retirement planning, insurance planning, investment planning, and other related areas of financial planning on a periodic basis. The information covered in a seminar is not based on the individual needs of the attendees. Householder Group does not provide specific investment advice to attendees unless engaged independently, and only where the attendee’s individualized financial information, investment goals, and objectives are provided. Service 6: Estate Planning Services Householder Group works with clients to provide estate planning services and works with the client and the client’s attorney or other professionals to establish an estate plan strategy that includes the creation of one or more of the following legal documents for the client: wills, trusts, living wills or health directives and/or power of attorneys. When working with you and your attorney or other professional, the Householder Group Advisor: a. Consults with you and analyze your financial needs and objectives based upon the information provided; or, b. Prepares a written financial plan based upon your identified estate plan needs and objectives; or, c. Recommends, as part of your estate plan, investment strategies that the Advisor believes are suited for your identified financial needs and objectives. 2024 Page 8 All investment analyses and recommendations relating to the preparation of your estate plan will be based upon information you provided to the Advisor. There will be no independent investigation of your background information, nor update of such information, without your express written consent. It remains your responsibility to advise your Advisor and your attorney or other professional of any changes in circumstances, e.g., needs, objectives, goals, and any other changes that would impact your estate plan and/or estate distribution. Service 7: Retirement Plan Services Householder Group offers consulting and advisory services for employer-sponsored retirement plans that are designed to assist plan sponsors of employee benefit plans (“Sponsor(s)”). Householder Group also assists Sponsors with enrollment and/or providing investment education to plan participants and beneficiaries. Householder Group provides these retirement plan services (“Retirement Plan Services”) through its independent contractor advisory representatives (“Advisors), and charges a fee for the Retirement Plan Services, as described in this Form ADV Part 2 (“ADV”) and the Retirement Plan Consulting Agreement (“Agreement”). Retirement Plan Services are either ERISA Fiduciary Services or ERISA Non-fiduciary Services. ERISA Non-fiduciary Services are performed only so that they would not be considered fiduciary services under the Employee Retirement Income Security Act of 1974, as amended (ERISA). When delivering ERISA Fiduciary Services, Householder Group will perform those services to the plan as a fiduciary under ERISA Section 3(21)(A)(ii) and will act in good faith and with the degree of diligence, care, and skill that a prudent person rendering similar services would exercise under similar circumstances. When providing any ERISA Fiduciary Services, Householder Group will solely be making recommendations to the Sponsor and the Sponsor retains full discretionary authority or control over assets of the plan. Sponsor may engage the Householder Group to perform the Retirement Plan Services by completing a Retirement Plan Consulting Agreement. The Agreement describes the terms of the arrangement between Householder Group and the Sponsor, including a description of the Retirement Services and the fees to be charged by Householder Group. By signing the Agreement, the Sponsor represents that Sponsor has received sufficient information and determined that the Retirement Plan Services selected are: (i) necessary for the operation of the plan and (ii) reasonable and appropriate based upon the compensation to be paid for the Services. Sponsor must sign and submit the Agreement to Householder Group before Householder Group performs any Retirement Plan Services. Householder Group offers Retirement Plan Services through a third-party administrator (“TPAs”) to plan sponsors and plan participants. The plans are qualified employee benefit plans intended to comply with all applicable federal laws and regulations, including the Internal Revenue Code of 1986, as amended, and the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended. Householder Group use of the TPA allows it to avoid being considered having custody of Client Funds since we do not have access to client login credentials or ability to directly affect trades. Management fees will be assessed and billed quarterly as detailed in the Client Advisory Services Agreement. Householder Group uses a third-party platform (Pontera) to provide additional retirement plan services for retirement plan participant accounts not directly held in our custody, but where we do have discretion, and may leverage an Order Management System to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of the client. These are primarily 401(k) accounts, HSAs, and other assets we do not custody. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Advisors will review the current account allocations. When deemed necessary, Advisors will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least annually, and allocation changes will be made as deemed necessary. Management fees will be assessed and billed quarterly as detailed in the Client Advisory Services Agreement. Potential Additional Retirement Services Provided Outside of the Agreement: In providing Retirement Plan Services, Householder Group and its Advisors establish a client relationship with one or more plan participants or beneficiaries. Such client relationships develop in various ways, including, without limitation: 2024 Page 9 1) As a result of a decision by the participant or beneficiary to purchase services from Householder Group not involving the use of plan assets. 2) As part of an individual or family financial plan for which any specific recommendations concerning the allocation of assets or investment recommendations relate exclusively to assets held outside of the plan; or 3) Through an Individual Retirement Account rollover (“IRA Rollover”). If Householder Group is providing Retirement Plan Services to a plan, Advisors, when requested by a plan participant or beneficiary, arrange to provide services to that participant or beneficiary through a separate agreement that excludes any investment advice on plan assets (but consider the participant’s or beneficiary’s interest in the plan in providing that service). If a plan participant or beneficiary desires to affect an IRA Rollover, Advisor will obtain a written acknowledgement from the plan participant. Any decision to affect the rollover or about what to do with the rollover assets remain that of the participant or beneficiary alone. IRA Rollover Considerations As part of our consulting and advisory services, we provide you education and advice concerning your employer retirement plan or other qualified retirement account. Our education may include you consider withdrawing the assets from your employer's retirement plan or other qualified retirement account and roll the assets over to an individual retirement account ("IRA"). Further, we offer our management services be applied to those funds and securities rolled into an IRA or other account for which we will receive compensation. If you elect to roll the assets to an IRA that is subject to our management, we will charge you an asset-based fee as described above under Item 5. This practice presents a conflict of interest because persons providing investment advice on your behalf 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 the assets in an IRA managed by us. It is important for you to understand many employers 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. Move the funds to a new employer's retirement plan. 3. Cash out and taking a taxable distribution from the plan. 4. Roll the funds into an IRA rollover account. Each of these options has advantages and disadvantages and before making a change we encourage you to speak with your CPA and/or tax attorney. If you are considering rolling over your retirement funds to an IRA for us to manage it is important you understand the following: 1. Determine whether the investment options in your employer's retirement plan address your needs or whether you want to consider other types of investments. a. Employer retirement plans generally have a more limited investment menu than IRAs. b. Employer retirement plans may 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 IRA. b. You should understand the various products and services you might take advantage of at an IRA provider and the costs of those products and services. 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. In the event your plan offers asset management or model management, there may be a fee associated with the services that is more or less than our asset management fee. 5. Our strategy may have higher risk than the option(s) provided to you in your plan. 2024 Page 10 6. Your current plan may offer financial advice, guidance, and/or model management or portfolio options at no additional cost. 7. If you keep your assets titled in a 401k or retirement account, you could potentially delay your required minimum distribution beyond age 72. 8. Your 401k 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 some exceptions to the general rules so you should consult an attorney if you are concerned about protecting your retirement plan assets from creditors. 9. You may be able to take out a loan on your 401k, but not from an IRA. 10. IRA assets can be accessed any time; however, 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 the purchase of a home. 11. If you own company stock in your plan, you may be able to liquidate those shares at a lower capital gains tax rate. 12. 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 the differences between these types of accounts and to decide whether a rollover is best for you. Prior to proceeding, if you have questions contact your investment advisor representative, or call our main number as listed on the cover page of this brochure. Written Acknowledgement of Fiduciary Status 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 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. Wrap Program There is no significant difference between how Householder Group manages wrap fee accounts and non-wrap fee accounts. However, as stated above, if a client determines to engage Householder Group on a wrap fee basis the client will pay a single fee for bundled services (i.e. investment advisory, brokerage, custody). The services included in a wrap fee agreement will depend upon each client’s particular need. If the client determines to engage Householder Group on a non- wrap fee basis the client will select individual services on an unbundled basis, paying for each service separately (i.e. investment advisory, brokerage, custody). Please Note: When managing a client’s account on a wrap fee basis, Householder Group shall receive as payment for its investment advisory services, the balance of the wrap fee after all other costs incorporated into the wrap fee have been deducted. Service 8: Insurance Consulting Householder Group has a relationship with DPL Financial Partners, LLC (“DPL”). By working with DPL, Householder Group may provide insurance reviews/analyses, education, and insurance solutions in a conflict free manner. DPL is a third-party provider of a platform of insurance consultancy services to SEC-registered investment advisors (“RIAs”) that have clients with a current or future need for insurance products. DPL offers RIAs memberships to its platform for a fixed annual fee and, through its licensed insurance agents who are also registered representatives of The Leaders Group, Inc., an unaffiliated SEC-registered broker-dealer and FINRA member, (“The Leaders Group”). The Leaders Group also offers members a variety of services relating to fee-based insurance products. These services include, among others, providing members with analyses of their current methodology for evaluating client insurance needs, educating and acting as a resource to members regarding general and specific insurance products owned by their clients or that their clients are considering purchasing, and providing members access to and product marketing support regarding fee-based products that insurers have agreed to offer to members’ clients through DPL’s platform. For providing platform services to RIAs, DPL receives service fees from the insurers that offer their fee-based products through the platform. These service 2024 Page 11 fees are based on the insurance premiums received by the insurers. DPL is licensed as an insurance producer in Kentucky and other jurisdictions, as applicable, to perform the platform services. Its representatives are also licensed as insurance producers, appointed as insurance agents of the insurers offering their products through the platform, and registered representatives of The Leaders Group. Assets Under Management As of December 31, 2023, we have approximately $1,290,269,188 of client assets under our discretionary management and approximately $15,714,160 of non-discretionary client assets under management.