Our Background Financial Guidance Group, Inc. (hereinafter “Financial Guidance Group,” “we,” “our,” or “us”) is an independent, fee-only investment advisor focused on offering objective, unbiased investment management and wealth planning, free from industry and product affiliations. We take our fiduciary responsibility seriously by choosing investments and strategies designed to place our clients’ best interests first. “Fee only” describes how we are paid for our services. We are paid only by our clients, rather than by commissions and sales charges. What this means is that we work for the benefit of our clients, rather than for the benefit of a bank, brokerage company, mutual fund, insurance company or other financial product vendor. This approach removes compensation-related conflicts of interest and allows us to recommend whatever strategies and investments we believe are most appropriate for our clients’ needs. Our clients expect us to care for their money as carefully as we care for our own, and we take this responsibility seriously. Your goals are our goals. Our mission is to provide a superior level of coordinated, unbiased advice to help you achieve your financial goals, simplify your financial life and provide financial peace of mind through professional wealth management. As fee-only advisors, we are committed to serving as your fiduciary wealth management team, striving always to put your best interests first. Financial Guidance Group was founded in 1993 by Carl von dem Bussche, Sr., CFP®, AIF®. The firm is currently owned by Christoph von dem Bussche, CFP®, who serves as the firm’s Chief Executive Officer and Chief Compliance Officer, and by Carl von dem Bussche, Jr., CFP®, who serves as the firm’s President. Please see Brochure Supplement(s), Exhibit A, for more information on individuals who manage the firm, who formulate investment advice and have direct contact with clients, or have discretionary authority over client accounts. As of December 31, 2023, we managed approximately $185,973,890 of client assets on a discretionary basis. We do not manage client assets on a non-discretionary basis. SERVICES PROVIDED Ongoing Investment Management and Guide Map Wealth Planning & Coaching Services Investment Management Services As your professional manager, we will manage, monitor and report to you on your investments, endeavoring to meet your financial goals and objectives in a tax-efficient and risk-efficient manner. Because we believe our investment management services are most effective when we understand your entire financial situation, we also provide ongoing customized wealth planning services (described further below) in conjunction with management of your portfolio. We typically structure client portfolios around one of our four model portfolios designed to build long-term wealth while maintaining risk tolerance and loss thresholds levels acceptable to you. However, the exact composition and allocation of your portfolio will be reflective of your unique investment parameters. We also manage custom portfolios designed to meet your individual needs and preferences. More information about our investment methodology and model portfolios may be found in Item 8. When you hire us to manage your investments, you will give us discretion to select the specific securities and amount of securities to be bought or sold, as well as the timing of those transactions, without prior consultation with you. At our discretion, we may delegate certain management and other responsibilities to sub-advisors or other outside parties who we have retained. Fees paid to such outside parties are paid by us. Information about sub-advisors used is available in the sub-advisors Form ADV Part 2 Disclosure Brochure which is available upon request. At your option, you may impose specified investment constraints on the management of the assets you bring to us. For example, you may specify that the investment in any particular stock or industry should not exceed specified percentages of the value of your portfolio or you may prohibit transactions in the securities of a specific industry. Such constraints must be detailed in writing, either via letter or in a custom Investment Policy Statement. You should note, however, that certain restrictions may adversely affect the composition and performance of your investment portfolio. You should also note that your investment portfolio is treated individually by giving consideration to each purchase or sale for your account. For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ. Therefore, you should not expect that the composition or performance of your portfolio would necessarily be consistent with those of similar clients. Guide Map Wealth Planning and Coaching We believe our investment management services are most successful when we start out with a clear picture of your financial needs and objectives. That is why we include ongoing wealth planning advice along with our investment management services. For you, the quality time we invest on the front-end solving problems and providing solutions, can help alleviate future concerns and cultivate financial peace of mind. The planning process begins by defining your current overall financial circumstances and long-term financial goals, objectives, and needs. Once this process has been implemented, we will design and propose a custom goals-based wealth plan using a specialized planning software. Each plan will be based on the information you provide, and the complexity of your situation. A number of planning modules (see below) may be utilized to create a thorough plan that addresses your specific needs.  Asset allocation review  Asset allocation recommendations (i.e. Investment advice)  Benefits planning  Budgeting  Cash management  Cash flow analysis  Clear projections and alternative scenarios  College savings planning  Custom designed portfolios  Estate planning  Funding plans, liquidity, and major expense assistance  General financial planning  Insurance review  Legacy planning  Long-term care review  Miscellaneous services  Ongoing financial education and guidance  Retirement planning  Risk management and insurance analysis  Systematic Rebalancing  Tax-efficiency evaluation  Tax planning Upon completion of your Guide Map plan, we will continue to maintain a dynamic real-time encrypted client portal for you. The client portal offers many important benefits, including:  Ongoing 24/7 access to your wealth plan via a PC, tablet or Smartphone  Aggregated real-time information for all your financial accounts  Proprietary budgeting and expense

tracking  Interactive charts and customized analysis of your investments and wealth plan  Secure access to your important documents in a digital vault via a client portal The financial planning tools provided are an intrinsic part of the ongoing wealth planning services that we offer in conjunction with management of your investment portfolio. Once your wealth management plan is completed, we will assist you with implementing the plan and will manage your investment portfolio on an ongoing basis. You should be aware that you are under no obligation to act upon any of the recommendations made by us in the plan or to engage the services of any recommended professional. Standalone Wealth Planning Financial Guidance Group will also provide comprehensive standalone wealth planning services for clients who may not require ongoing services. A plan can be broad (a mutually defined review of your personal financial needs) or segmented (review, analysis and evaluation of a core area of financial need). In general, standalone planning encompasses one or more of the areas set forth above in Ongoing Wealth Planning. We prepare the plan in three stages. In the first stage, we engage in a detailed assessment process with you to define and narrow your goals as well as create a unique picture of your overall financial personality. In the second stage, a road map is designed to help take you from your current financial position to obtaining your financial objectives. Finally, we prepare an implementation schedule that includes a list of tasks and deadlines to assist you with putting the plan into action. Although we may use financial planning software to assist us with constructing your wealth plan, our standalone planning services do not typically include ongoing access to any financial planning software or online client portals. Once our planning advice is delivered, you may choose to have us implement your wealth plan and manage your investment portfolio on an ongoing basis. However, you are under no obligation to act upon any of the recommendations we make under a planning engagement and/or to engage us or the services of any recommended professional. Retirement Plan Advisory Services We will provide Retirement Plan consulting services to Plans and Plan Fiduciaries as described below. The particular services provided will be detailed in the consulting agreement. The appropriate Plan Fiduciary(ies) designated in the Plan documents (e.g., the Plan sponsor or named fiduciary) will (i) make the decision to retain our firm; (ii) agree to the scope of the services that we will provide; and (iii) make the ultimate decision as to accepting any of the recommendations that we may provide. Retirement Plan consulting services may be offered individually or as part of a comprehensive suite of services. Financial Guidance Group typically requires copies of Plan documents and any amendments governing the operation and administration of the Plan assets. We will not vote proxies for securities held in the Plan account(s). We also ask that you name Financial Guidance Group as a fiduciary in the Plan’s ERISA fidelity bond covering the account(s). The Employee Retirement Income Security Act of 1974 (“ERISA”) sets forth rules under which Plan Fiduciaries may retain investment advisers for various types of services with respect to Plan assets. For certain services, we will be considered a fiduciary under ERISA. For example, we will act as an ERISA §3(21) fiduciary when providing non-discretionary investment advice to the Plan Fiduciaries by recommending a suite of investments as choices among which Plan Participants may select. Also, to the extent that the Plan Fiduciaries retain us to act as an investment manager within the meaning of ERISA §3(38), we will provide discretionary investment management services to the Plan. Fiduciary Consulting Services  Investment Selection Services: We will provide Plan Fiduciaries with recommendations of investment options and model portfolios consistent with ERISA section 404(c). Plan Fiduciaries retain responsibility for the final determination of investment options and for compliance with ERISA section 404(c).  Investment Monitoring: We will assist in monitoring the plan’s investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the Investment Policy Statement and we will make recommendations to maintain or remove and replace investment options. Fiduciary Management Services  Discretionary Management Services: When retained as an investment manager within the meaning of ERISA § 3(38), we will provide continuous and ongoing supervision over the designated retirement plan assets. When applicable, we will have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the designated retirement plan assets in our sole discretion without first consulting with the Plan Fiduciaries. Non-Fiduciary Services  Participant Education and Enrollment: We will provide education services to Plan Participants about general investment principles and the investment alternatives available under the Plan. Plan Participants are responsible for implementing transactions in their own accounts. We will also assist with group enrollment meetings designed to increase Plan participation among employees. With respect to any account for which Financial Guidance Group meets the definition of a fiduciary under Department of Labor rules, we acknowledge that both the firm and its Related Persons are acting as fiduciaries. Additional disclosure may be found elsewhere in this Brochure or in the written agreement between us. Because Financial Guidance Group is a registered investment adviser, we are required to meet certain fiduciary standards when providing investment advice to clients. Additionally, when we provide investment advice related to a retirement plan account or an individual retirement account, we are considered 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. As such, we are required to act in your best interest and not put our interest ahead of yours, even though our compensation creates some conflicts with your interests in that the more you have us manage, the more we can earn. Our clients however are under no obligation to use services recommended by our associated persons. Furthermore, we believe that our recommendations are in the best interests of our clients and are consistent with our clients’ needs.