Capital Financial Consultants Group, Inc. (formerly Steckler & Wynns Insurance Services, Inc.) is an independent registered investment adviser with its principal place of business located in CA. Capital Financial Consultants Group began conducting business in 2001. The following individuals are the �irm's principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).
• Larry J. Steckler, President
• Jeff Fisher, CCO Capital Financial Consultants Group offers the following advisory services to our clients. INVESTMENT SUPERVISORY SERVICES ("ISS") INDIVIDUAL PORTFOLIO MANAGEMENT Our �irm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we create and manage a portfolio based on that policy. During our data-gathering process, we determine the client’s objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. We manage these advisory accounts on a discretionary basis. Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth, and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any speci�ic product or service offered by a broker-dealer or insurance company and will include advice regarding the following securities:
• Exchange-listed securities
• Securities traded over the counter
• Foreign issuers
• Warrants
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certi�icates of deposit
• Municipal securities
• Variable life insurance
• Variable annuities
• Mutual fund shares
• United States government securities
• Options contracts on securities
• Interests in partnerships investing in real estate
• Interests in partnerships investing in oil and gas interests Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity, and suitability. FINANCIAL PLANNING We provide �inancial planning services. Financial planning is a comprehensive evaluation of a client’s current and future �inancial state by using currently known variables to predict future cash �lows, asset values, and withdrawal plans. Through the �inancial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire �inancial and life situation of the client. Clients purchasing this service receive a written report which provides the client with a detailed �inancial plan designed to assist the client to achieve his or her �inancial goals and objectives. In general, the �inancial plan can address any or all the following areas:
• PERSONAL: We review family records, budgeting, personal liability, estate information, and �inancial goals.
• TAX & CASH FLOW: We analyze the client’s income tax and spending and planning for past, current, and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability.
• INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio.
• INSURANCE: We review existing policies to

ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.
• RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or her retirement goals.
• DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving dependents, estate planning, and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney and asset protection plans. We gather the required information through in-depth personal interviews. Information gathered includes the client's current �inancial status, tax status, future goals, returns objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a written �inancial plan. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. The implementation of �inancial plan recommendations is entirely at the client's discretion. We also provide general non-securities advice on topics that may include tax and budgetary planning, estate planning and business planning. Typically, the �inancial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the �inancial plan has been promptly provided. Financial Planning recommendations are not limited to any speci�ic product or service offered by a broker-dealer or insurance company. All recommendations are generic. In offering �inancial planning, a con�lict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through the investment adviser. 401(K) ADVISORY SERVICES Capital Financial Consultants Group provides advisory services to 401(k) plans including: benchmarking the fees, services, and participants of 401(k) plans against similar plans using industry research; plan design consulting and assisting in the design of an Investment Policy Statement; providing ongoing plan reviews; and managing employee communication and investment education. IRA Rollover Recommendations When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are �iduciaries 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 con�licts 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 �inancial interests ahead of yours when making recommendations (give loyal advice).
• Avoid misleading statements about con�licts 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 con�licts of interest. AMOUNT OF MANAGED ASSETS As of March 19, 2024, our �irm manages approximately $230,782,028 of clients' assets on a discretionary basis and $0 assets on a non-discretionary basis.