Triad Financial Advisors, Inc. (hereinafter referred to as “TFA”) is a fee-only financial planning and investment advisory firm offering fiduciary wealth management services customized to your individual needs. We are not affiliated with a broker-dealer or insurance agency. We do not sell financial products nor receive commissions. We are compensated solely from providing independent investment and financial planning advice to our clients. TFA is principally owned by Patrick Rush, CEO. TFA has been providing advisory services while registered under the SEC since 2014, prior to that while registered with the State of North Carolina. As of December 31, 2022, TFA managed $842,519,385 on a discretionary basis and $20,613,050 on a non-discretionary basis, for a total amount of assets under management of $863,132,435. TFA offers the following wealth management service comprised of:
• Life Planning & Investment Management
• Asset Allocation and Periodic Monitoring of Outside Assets
• Third-Party Managed Programs
• Educational Seminars Life Planning & Investment Management Services An initial free, no obligation meeting is offered to introduce TFA’s services and fees. If you decide to engage us for services, you will be required to sign our wealth management agreement outlining the relationship and specifying our fee. Once there is mutual agreement and desire to work together, we will request a number of documents to help understand your overall financial situation. Our services to clients provide an ongoing blending of financial life planning and asset management services focusing holistically on the client's needs. TFA will gather financial information and history from you such as your retirement and financial goals, investment objectives, investment horizon, financial needs, cash flow analysis, cost of living needs, education needs, savings tendencies, and other applicable financial information in order to provide the investment advisory services requested. All information gathered from you is confidential. Depending upon your needs, our planning advice includes topics such as:
• Tax planning analysis
• Estate planning analysis
• Business planning
• Retirement planning
• Education planning
• Budgeting and cash flow
• Fringe benefit analysis
• Investment analysis Our services may be broad or may be focused on one or more topics to address your unique situation. TFA will prepare a financial plan based on your financial situation at the time and on the financial information you disclose to our Advisory Representative. Certain assumptions may be made with respect to interest and inflation rates as well as the use of past trends and performance of the market and economy. However, past performance is in no way an indication of future performance. TFA cannot offer any guarantees or promises that your financial goals and objectives will be met. Further, you must continue to review the plan and update the plan based upon changes in your financial situation, goals, or objectives or changes in the economy. If your financial situation, investment goals or objectives change, you must notify TFA promptly of the changes. You are advised that the advice offered by TFA is limited and is not meant to be comprehensive. Based on your specific needs or situation, you are advised to seek the services of other professionals such as an insurance adviser, attorney and/or accountant. Asset Allocation and Periodic Monitoring of Outside Assets An Advisory Representative will determine an asset allocation customized to your financial goals, objectives and risk tolerance. When determining your portfolio allocation, your Advisory Representative, will take into consideration your limitations or restrictions, as well as your risk capacity, risk requirement, time horizon and financial situation. Upon your approval, we will implement the initial portfolio allocation and we will manage your account(s) on a continuous and ongoing basis. We offer this service on a discretionary basis. With your written approval, as indicated in the advisory agreement, we will use our own discretion to determine any changes to the account. TFA will monitor the account and will make changes to the allocation as deemed appropriate by the firm and your Advisory Representative. 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. Depending on your specific goals and objectives, we will generally hold positions in your account for a long term, typically more than a year; however, we may recommend trading some securities, for periods of thirty (30) days or less. Your portfolio may be similarly managed and contain similar holdings as compared to other clients’ managed accounts. Our Advisory Representatives primarily use open-ended mutual funds and exchange-traded funds (ETFs). However, managed accounts are not exclusively limited to mutual funds and ETFs and may include stocks and bonds, certificates of deposits, government securities, money markets, annuities, direct participation programs, master limited partnerships, REITs, and if desired by the client, donor- advised funds. Transactions in the account, account reallocations and rebalancing may trigger a taxable event, with the exception of IRA accounts and other qualified retirement accounts. As further described below, TFA has entered into a relationship to offer you wealth management services through the Schwab Advisor Services division of Charles Schwab & Co., Inc. (“Schwab”) and the institutional advisor program offered by TD Ameritrade Institutional (“TD Ameritrade”). TD Ameritrade Institutional is a division of TD Ameritrade Inc., member FINRA/SIPC, an unaffiliated SEC-registered broker-dealer and FINRA member. There is no affiliation between TFA, Schwab, and TD Ameritrade. If you select another brokerage firm for custodial and/or brokerage services, you

will not be able to receive wealth management services from TFA. When requested to design a complete asset allocation and manage your overall portfolio, TFA will include your assets held with other brokerage firms/custodians (“outside assets”). These outside assets may be held at mutual fund companies, variable annuity companies, other brokerage firms, and employer- sponsored retirement plans such as 401(k) accounts. These outside assets are not held with our primary custodians, Schwab or TD Ameritrade, and TFA will not implement any investment recommendations. Instead, your Advisory Representative will provide asset allocation and monitoring services. We will periodically monitor the account(s) and direct or recommend the allocation of assets among the various investment options available with the product. You are free to accept, reject, or implement any portion of the recommendations provided by TFA. Be aware that partial implementation or delayed implementation may have an impact on the performance of the account. Because TFA may not have access to your outside assets, you will be responsible for providing TFA with copies or duplicate statements. Access to Additional Services As an added benefit to our clients and upon client request, TFA provides access to the services of an estate attorney for the review and/or rewriting of client estate documents, and a CPA for the review of a client’s personal tax situation. TFA and its Advisory Representatives will not be acting as your CPA or attorney, but will help facilitate communication with the professional. Additionally, TFA provides access to an insurance professional for life, long-term care, and Medicare insurance planning. Fees for such services are separate and distinct from any advisory services offered by TFA. TFA is not affiliated with these other professionals and does not share in any compensation received by other professionals for these services. You are under no obligation to engage the services of any recommended professional or purchase products or services recommended by us or members of our firm in connection with providing you with any advisory service that we offer. You have the right to decide whether or not to implement our advice and the right to consult with other financial professionals for implementation. Third-Party Managed Program Services If appropriate, your Advisory Representative will qualify you for investment in certain Third-Party Management services. Your Advisory Representative will gather information from you about your financial situation, investment objectives, and reasonable restrictions you may want to impose on the management of your account. Upon review of that information, your Advisory Representative will assist you in the selection of a third-party manager. We will assist you with the completion of documents in order to utilize the services of the manager. Your total advisory fee will consist of TFA’s fee plus the third- party manager’s fee. Depending on the arrangement with the manager, TFA’s portion of the fee may be debited from the account by the manager and remitted to TFA or TFA may debit the fee directly from your account. The manner in which fees are charged are explicitly stated within the agreements between the client and TFA, and the client and the third-party manager. Your Advisory Representative will periodically review any reports provided to you and monitor the performance of your account. Based on the terms of your advisory agreement, the Advisory Representative may, utilizing their discretion, add, change or terminate a Manager if he or she feels that a change is warranted. Additionally, we will contact you at least annually to review your financial situation and objectives; communicate information to the third-party manager managing the account as necessary and will assist you in understanding and evaluating the services provided by the manager. You are expected to notify your Advisory Representative of any changes in your financial situation, investment objectives or reasonable account restrictions you would like to place. Educational Seminars TFA provides seminars on various financial planning topics. The seminars are generally provided to clubs, civic groups, individuals, or other interested parties. They are sometimes provided to companies for selected employee groups. We tailor the advisory services we offer to your individual needs. You may impose reasonable restrictions and/or limitations on the investing in certain securities or types of securities. 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. The information gathered by TFA will assist the firm in providing you with the requested services and customize the services to your financial situation. Depending on the services you have requested, we will gather various financial information and history from you including, but not limited to:
• 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 required by our Advisory Representative in order to provide the investment advisory services you have requested. TFA does not offer any wrap fee programs. However, when appropriate, we may recommend the services of a third-party manager which may offer a wrap fee program. General Information The investment recommendations and advice offered by TFA and your Advisory Representative 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.