Eisen Financial Services, Inc. has been providing financial planning and investment advisory services since June of 1999. We provide these services primarily to individual clients, with a concentration of high net worth clients. We also serve pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Principal Owners Arthur J. Eisen is the President of Eisen Financial Services, Inc., as well as the principal owner. Types of Advisory Services EFS provides various types of advisory services, including various areas of financial planning. We provide financial planning services either for a fixed-rate or at an hourly fee. Financial planning services consist of gathering from the client, the client’s financial information and history, including, but not limited to:
• retirement goals
• financial goals and objectives
• investment horizon
• financial needs
• investment risk tolerance levels
• cash flow analysis
• cost of living needs
• education needs
• savings tendencies
• any other applicable financial information Using this gathered information, we prepare a written financial plan addressing the client’s situation. This plan may be comprehensive in nature or modular, as determined by the client’s needs. Once we complete the financial plan, the client may engage us to provide ongoing financial advice. We base these financial plans on the client’s financial situation at the time and on financial information disclosed to us by the client. We rely on the client to provide accurate data on which to base our analysis. We do not independently verify information clients provide to us for completing their financial planning. When preparing these plans, we make certain assumptions regarding interest and inflation rates, as well as regarding past trends and performance of the market and economy. However, past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that the client’s financial goals and objectives will be met. Further, the client must continue to review any plan and update the plan based upon changes in the client’s financial situation, goals or objectives or changes in the economy. Should the client’s financial situation, goals, objectives or needs change, the client must notify EFS promptly of the changes. Investment advisory services for individually-managed accounts Our investment management fees vary between 0.25% and 1.00% annually, depending upon the market value of the assets under management and the type of services chosen. Our investment management focus is on value investing and our horizon is long-term. We conduct our research via a variety of sources and methods. These include:
• financial newspapers and magazines
• research materials prepared by others
• corporate rating services

• annual reports, prospectuses, and filings with the Securities and Exchange Commission
• company press releases For our investment management, we typically direct clients to use no-load mutual funds. We sometimes also recommend using other various types of equity securities, corporate, government, and municipal bonds, mutual funds, and certificates of deposit. When we feel it is appropriate to the client’s needs, we also utilize warrants, variable annuities, variable life insurance, securities options, commercial paper, and partnerships, such as related to real estate, energy interests, and leasing. Occasionally, we also provide financial planning or investment supervisory services which will involve non-securities investments such as life insurance, annuities, equity-indexed annuities and services such as estate, business, and long-term care planning. When requested, we do offer financial planning advice related to allocations within clients’ variable annuity products and employer-sponsored retirement plans. We tailor client portfolios to the client’s individual needs. We then meet with and speak to the client regularly to determine whether there has been any significant change in the client’s circumstances and financial needs. This way, we can continue to monitor whether the client’s account continues to conform to the client’s investment objectives and requirements. We generally attempt to accommodate investment restrictions imposed by clients (for example: avoiding tobacco or casino companies). Brokerage Services We generally recommend that our client accounts use the brokerage services of T D Ameritrade Investor Services, Inc. (“Ameritrade”), member FINRA/SIPC/NFA, to purchase and sell securities on their behalf. We also sometimes recommend that clients purchase and hold their accounts directly at the mutual fund company. If a client directs us in writing to use a particular broker/dealer that we do not suggest to them, that client is responsible for negotiating all terms and arrangements for the client’s account with that custodian. This will limit our ability to seek “best execution” for the client’s account, as well as limit our ability to batch transactions for executions. Ameritrade is an introducing broker/dealer that clears its transactions on a fully-disclosed basis through TD Ameritrade Clearing Co., member FINRA/SIPC. TD Ameritrade Clearing Co. provides trade execution, clearing and other related services for client brokerage accounts. We do not participate in wrap fee programs, and we do not have discretion over client accounts. We do not publish research reports or sell newsletters. We do work with our clients’ accountants and attorneys when appropriate to discuss estate planning, generation skipping and tax efficiency. As of December 31, 2022, our assets under management were $34,117,955, all of which were assets managed on a non-discretionary basis.