La Ferla Group offers a variety of advisory services, which include financial planning, consulting, and portfolio management services. Prior to La Ferla Group rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with La Ferla Group setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). La Ferla Group was formed in 2015 and has been owned by Joseph A. La Ferla, Jr., John G. Macri, and Thomas D. Cordovano since May 15, 2015. As of December 31, 2022, La Ferla Group had approximately $275,635,421 assets under management; $258,162,583 of which was managed on a discretionary basis and $ 17,472,839 of which was managed on a non-discretionary basis. While this brochure generally describes the business of La Ferla Group, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on La Ferla Group’s behalf and is subject to the Firm’s supervision or control. Financial Planning and Consulting Services La Ferla Group offers clients a broad range of financial planning and consulting services, which may include any or all of the following functions:
• 401(K) Planning
• Retirement Planning
• Portfolio Management
• Financial Planning
• Estate Planning & Tax Planning
• Social Security & Medicare Planning
• Business Services
• Brokerage Services
• Insurance Products
• Mortgages Lending These services are typically rendered in conjunction with portfolio management as part of a comprehensive wealth management engagement (described in more detail below). In performing these services, La Ferla Group is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. La Ferla Group may recommend clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents or registered representatives of a broker-dealer and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if clients engage La Ferla Group or its affiliates to provide additional services for compensation. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by La Ferla Group under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising La Ferla Group’s recommendations and/or services. Investment and Wealth Management Services La Ferla Group manages client investment portfolios on a discretionary basis. In addition, La Ferla Group may provide clients with wealth management services which generally/may include a broad range of comprehensive financial planning and consulting services as well as discretionary management of investment portfolios. La Ferla Group manages client assets through four primary strategies: i) the Global Balanced Advisor; ii) the Portfolio Advisor Program; iii) the Multi Asset Advisor; and iv) the Muni Bond Advisor. The Global Balanced Advisor is managed on a discretionary basis and primarily invests in mutual funds and ETFs. The Firm looks to buy no transaction fee funds and exchange-traded funds whenever possible to further minimize brokerage and transaction costs, although the gross expense ratio may be higher.

The Portfolio Advisor Program allows us to introduce various advisory Portfolios on a discretionary basis. The portfolios within the Portfolio Advisor Program are managed according to a stated investment policy. The performance objectives and risk parameters depend on the investment policy for a given Portfolio. The Multi Asset Advisor is managed on a discretionary basis and invests in a wide range of securities and asset classes, where the risk ranges from low to high, depending on a client’s risk tolerance. Finally, the Muni Bond Advisor is managed on a discretionary basis and primarily invests in municipal bonds and taxable fixed income securities. Global Balanced Advisor In the Global Balanced Advisor, La Ferla Group allocates client assets primarily in mutual funds and ETFs on a discretionary basis. In this arrangement, brokerage commissions and transaction costs are not absorbed by the Firm. For more information regarding investment policy, guidelines, services, performance, fees, disclosures, etc., please refer to the firm’s most recent brochure. Portfolio Advisor Program The Portfolio Advisor Program allows us to introduce various advisory Portfolios on a discretionary basis. The portfolios within the Portfolio Advisor Program are managed according to a stated investment policy. The performance objectives and risk parameters depend on the investment policy for a given Portfolio. In this arrangement, brokerage commissions and transaction costs are not absorbed by the Firm. Multi Asset Advisor In the Multi Asset Advisor, La Ferla Group allocates client assets among a wide range of securities and asset classes on a discretionary basis. La Ferla Group may advise on legacy assets held by the client. In this arrangement, brokerage commissions and transaction costs are not absorbed by the Firm. Muni Bond Advisor In the Muni Bond Advisor, La Ferla Group allocates client assets in municipal bond securities and taxable fixed income securities and is offered as a discretionary strategy. In this arrangement, brokerage commissions and transaction costs are not absorbed by the Firm. General In addition to the descriptions for the strategies above, where appropriate, the Firm may also provide advice about any type of legacy position or other investments held in the Multi Asset Advisor portfolio. Clients may engage La Ferla Group to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, La Ferla Group directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. La Ferla Group tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. La Ferla Group consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify La Ferla Group if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if La Ferla Group determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts.