ADVANCED PLANNING ADVISORS GROUP INC.

F O R M A D V P A R T 2 A D I S C L O S U R E B R O C H U R E Advanced Planning Advisors Group Inc. Office Address: 400 East Diehl Road Suite 240 Naperville, IL 60563 rob@apadvisorsgroup.com Tel: 630-780-1099 www.apadvisorsgroup.com APRIL 9, 2026 This brochure provides information about the qualifications and business practices of Advanced Planning Advisors Group Inc. Being registered as a registered investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 630-780-1099. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities authority. Additional information about Advanced Planning Advisors Group Inc. (CRD #313101) is available on the SEC’s website at www.adviserinfo.sec.gov i  Item 2: Material Changes Annual Update Material Changes since the Last Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous release of the Firm Brochure. Since the last filing of this brochure on February 26, 2026, the following items have been • updated: • Item 4 has been updated with the firm’s most recent assets under management calculation. Full Brochure Available Item 5: Gradient Investments Co-Advisor fee schedule updated. This Firm Brochure being delivered is the complete brochure for the Firm. ii  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes .................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Update.................................................................................................................. ii Item 3: Table of Contents ................................................................................................................... iii Full Brochure Available .................................................................................................................................................. ii Item 4: Advisory Business .................................................................................................................. 1 Firm Description ............................................................................................................................................................... 1 Types of Advisory Services ........................................................................................................................................... 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 1 Wrap Fee Programs ......................................................................................................................................................... 1 Item 5: Fees and Compensation ....................................................................................................... 2 Client Assets under Management .............................................................................................................................. 1 Method of Compensation and Fee Schedule .......................................................................................................... 2 Client Payment of Fees ................................................................................................................................................... 3 Additional Client Fees Charged ................................................................................................................................... 3 Prepayment of Client Fees ............................................................................................................................................ 3 Item 6: Performance-Based Fees and Side-by-Side Management ........................................ 4 External Compensation for the Sale of Securities to Clients ........................................................................... 4 Item 7: Types of Clients ....................................................................................................................... 4 Sharing of Capital Gains ................................................................................................................................................. 4 Description .......................................................................................................................................................................... 4 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................ 4 Account Minimums .......................................................................................................................................................... 4 Methods of Analysis ......................................................................................................................................................... 4 Investment Strategy ........................................................................................................................................................ 4 Item 9: Disciplinary Information ..................................................................................................... 5 Security Specific Material Risks .................................................................................................................................. 5 Criminal or Civil Actions ................................................................................................................................................ 5 Administrative Enforcement Proceedings ............................................................................................................. 5 iii  Item 10: Other Financial Industry Activities and Affiliations................................................ 5 Self- Regulatory Organization Enforcement Proceedings ............................................................................... 5 Broker-Dealer or Representative Registration .................................................................................................... 5 Futures or Commodity Registration ......................................................................................................................... 5 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................... 5 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ................ 6 Trading ..................................................................................................................................................... 6 Code of Ethics Description ............................................................................................................................................ 6 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest.... 7 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest ... 7 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ........................................................................................................... 7 Transactions and Conflicts of Interest ..................................................................................................................... 7 Factors Used to Select Broker-Dealers for Client Transactions .................................................................... 7 Item 13: Review of Accounts ............................................................................................................. 8 Aggregating Securities Transactions for Client Accounts ................................................................................ 8 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ................................................................................................................................................................................ 8 Review of Client Accounts on Non-Periodic Basis .............................................................................................. 8 Item 14: Client Referrals and Other Compensation .................................................................. 8 Content of Client Provided Reports and Frequency ........................................................................................... 8 Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest .................................................................................................................................................................................. 8 Item 15: Custody .................................................................................................................................. 10 Advisory Firm Payments for Client Referrals ....................................................................................................... 9 Item 16: Investment Discretion ..................................................................................................... 10 Account Statements ...................................................................................................................................................... 10 Item 17: Voting Client Securities ................................................................................................... 10 Discretionary Authority for Trading...................................................................................................................... 10 Item 18: Financial Information ...................................................................................................... 10 Proxy Votes ...................................................................................................................................................................... 10 Balance Sheet .................................................................................................................................................................. 10 iv  Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 10 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 10 Item 19: Requirements for State Registered Advisors ........ Principal Executive Officers and Management Persons ................... Error! Bookmark not defined. Error! Bookmark not defined. Error! Bookmark not defined. Error! Bookmark not defined. Outside Business Activities ........................................................................... Performance Based Fee Description......................................................... Error! Bookmark not defined. Disclosure of Material Facts Related to Arbitration or Disciplinary Actions Involving Management Persons ...................................................................................... Error! Bookmark not defined. Material Relationship Maintained by this Advisory Business or Management Persons with Brochure Supplement (Part 2B of Form ADV) .......................................................................... 12 Issuers of Securities ......................................................................................... Principal Executive Officer – Patrick R. Kirvan ................................................................................................. 12 Item 2 - Educational Background and Business Experience ....................................................................... 12 Item 3 - Disciplinary Information ........................................................................................................................... 12 Item 4 - Other Business Activities ........................................................................................................................... 13 Item 5 - Additional Compensation .......................................................................................................................... 13 Error! Bookmark not defined. Item 6 - Supervision ..................................................................................................................................................... 13 Item 7 - Requirements for State-Registered Advisors ...................... v  Item 4: Advisory Business Firm Description Types of Advisory Services Advanced Planning Advisors Group Inc. (“APAG”) was founded in 2017 and became registered to provide advisory services in 2021. Patrick R. Kirvan is 100% owner. ASSET MANAGEMENT- CO-ADVISOR APAG has entered into a Co-Advisor relationship with a Third Party Manager (“TPM”), Gradient Investments, LLC (“GI”). APAG will provide information to each Client regarding the services offered by GI as the portfolio manager. APAG will assist the Client to determine the appropriate model selection based on the Client’s investment objectives and risk tolerance. APAG will have full discretion on an ongoing basis to select suitable models to maintain Client’s risk tolerance. APAG will share in the management fees charged by GI as described in Item 5 of this brochure. FINANCIAL PLANNING AND CONSULTING Financial planning services are included at no additional cost for advisory Clients of APAG. If financial planning services are needed by advisory Clients, an evaluation of an investor's current and future financial state will be provided by using currently known variables to predict future cash flows, asset values and withdrawal plans. APAG will use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. Typical topics reviewed in a financial plan may include but are not limited to: Financial goals, Personal net worth statement, Cash flow analysis, Retirement strategy, Comprehensive risk management plan, Long-term investment plan, Tax reduction strategy and Estate preservation. Financial planning services are provided at no additional cost to advisory Clients. If a conflict of interest exists between the interests of APAG and the is under no obligation to act upon APAG’s interests of the Client, the Client recommendation. If the Client elects to act on any of the recommendations, the Client is Client Tailored Services and Client Imposed Restrictions under no obligation to effect the transaction through APAG. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Wrap Fee Programs Agreements may not be assigned without written Client consent. Client Assets under Management APAG does not sponsor any wrap fee programs. APAG has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: $120,429,005 $0 Date Calculated: March 31, 2026 - 1 -  Item 5: Fees and Compensation Method of Compensation and Fee Schedule ASSET MANAGEMENT- CO-ADVISOR APAG has entered into a Referral Agreement with Gradient Investments, LLC (“GI”). GI is a Registered Investment Advisor registered with the Securities and Exchange Commission that provides investment portfolio advice and supervisory services. GI Fee* GI offers an actively managed program of mutual fund and stock portfolios. The fee will be disclosed to the Client in the Investment Advisory Agreement and are negotiable. The Clients fee for these services will be based on a percentage of assets under management as Portfolio follows: Asset Valuation Stated Total Annual Fee APAG Fee (Negotiable) Custom Indexing - Strategic All Assets 1.65% 0.65% 1.00% Strategic All Assets 1.50% 0.50% 1.00% Custom Indexing - Allocation All Assets 1.65% 0.65% 1.00% Allocation All Assets 1.50% 0.50% 1.00% Tactical All Assets 1.50% 0.50% 1.00% Defined Outcome All Assets 1.50% 0.50% 1.00% Private Wealth All Assets 1.50% 0.50% 1.00% Preservation All Assets 1.00% 0.40% 0.60% Client Directed Accounts All Assets $300 $300 $0 rd For Client Directed Accounts (CDA), GI will assist in the opening, closing and transferring of accounts. GI will not have discretion at any time on these accounts. Client is solely responsible for the assets held within the accounts and their values which could increase or decrease (potential loss of principal). GI will not execute trades in CDA accounts. GI exceptions will be made for withdrawals to client or assets transferred into a GI managed portfolio. GI will also provide performance reporting on these accounts and can furnish party analysis reports per the client’s request. Similar services may be available 3 through other sources for a lower fee. - 2 -  These are flat fee schedules, the entire portfolio is Example: Portfolio Calculation Quarterly Fee Custom Indexing – Strategic ($750,000x1.65%) x (91/365) $3,085.27 Strategic Portfolio: ($750,000*1.50%) * (91/365) $2,804.79 Tactical Portfolio: ($750,000*1.50%) * (91/365) $2,804.79 Custom Indexing – Allocation ($750,000x1.65%) x (91/365) $3,085.27 Allocation & Defined Outcome Portfolio: ($750,000*1.50%) * (91/365) $2,804.79 Private Wealth Portfolio: ($750,000*1.5%) * (91/365) $2,804.79 ($750,000*1.0%) * (91/365) $1,869.86 Preservation Portfolio: $15 Quarterly Service Fee* Fee Calculation: (Quarter End Value x Annual Fee %) x (Days in Quarter/Days in Year) + * The $15 Quarterly Service Fee is the technology fee charged per account or investment strategy for performance and other reporting. This fee is disclosed in our ADV Part 2A (Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule D: Schedule of Fees). The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount of the assets managed as of the end of the previous quarter and will take into account additions and withdrawals in the time period. All management fees are withdrawn from the Client’s account unless otherwise noted. GI will receive written authorization from the Client to deduct advisory fees from their account held by a qualified custodian. GI will pay APAG their share of the fees. APAG does not have access to deduct Client fees. Clients may terminate their account within five (5) business days of signing the investment advisory agreement without penalty or obligation. For terminations after the initial five business days, GI will be entitled to a pro-rata fee for the days service was provided in the final quarter. GI will pay APAG their portion of the final fee. Client Payment of Fees FINANCIAL PLANNING AND CONSULTING Financial planning services are included at no additional cost for asset management Clients of APAG. Additional Client Fees Charged Fees for asset management services provided by TPM are deducted from a designated Client account by TPM to facilitate billing. The Client must consent in advance to direct debiting of their investment account. Prepayment of Client Fees Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities, and exchange-traded funds. These charges may include mutual fund transaction fees, postage and handling fees. For more details on the brokerage practices, see Item 12 of this brochure. APAG does not require any prepayment of fees. - 3 -  External Compensation for the Sale of Securities to Clients Investment Advisor Representatives of APAG receive external compensation sales of investment related products such as insurance as licensed insurance agents. This represents a conflict of interest because it gives an incentive to recommend products based on the commission received. This conflict is mitigated by disclosures, procedures, and APAG’s fiduciary obligation to place the best interest of the Client first and Clients are not required to purchase any products or services. Clients have the option to purchase these products through another insurance agent of their choosing. Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. APAG does not use a performance-based fee structure because of the conflict of interest. Performance based compensation may create an incentive for APAG to recommend an investment that may carry a higher degree of risk to the Client. Item 7: Types of Clients Description APAG generally provides investment advice to individuals, high net worth individuals, trusts and estates. Account Minimums Client relationships vary in scope and length of service. APAG does not require a minimum to open an account. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis TPMs utilized by APAG may use various methods of analysis to determine the proper strategy for the Client referred and these will be disclosed in the TPM’s Form ADV Part 2. Investing in securities involves risk of loss that Clients should be prepared to bear. Past performance is not a guarantee of future returns. Other strategies utilized by TPMs may include long-term purchases, short-term purchases, trading, and option writing (including covered options, uncovered options or spreading strategies). In developing a financial plan for a Client, APAG’s analysis may include cash flow analysis, investment planning, risk management, tax planning and legacy planning. Based on the information gathered, a detailed strategy is tailored to the Client’s specific situation. Investment Strategy The main sources of information used may include financial newspapers and magazines, research materials prepared by others, corporate rating services, annual reports, prospectuses, and filings with the Securities and Exchange Commission. The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time. Each Client - 4 -  executes a Client profile form or similar form that documents their objectives and their Security Specific Material Risks desired investment strategy. All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. • The risks associated with utilizing TPMs include: o Manager Risk • TPM fails to execute the stated investment strategy o Business Risk • TPM has financial or regulatory problems The specific risks associated with the portfolios of the TPM’s which is disclosed in the TPM’s Form ADV Part 2. Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings APAG and its management have not been involved in any criminal or civil action. Self- Regulatory Organization Enforcement Proceedings APAG and its management have not been involved in administrative enforcement proceedings. APAG and its management have not been involved in legal or disciplinary events that are material to a Client’s or prospective Client’s evaluation of APAG or the integrity of its management. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Futures or Commodity Registration APAG is not registered as a broker-dealer and no affiliated representatives of APAG are registered representatives of a broker-dealer. Material Relationships Maintained by this Advisory Business and Conflicts of Interest Neither APAG nor its affiliated representatives are registered or have an application pending to register as a futures commission merchant, commodity pool operator, or a commodity trading advisor. President Patrick R. Kirvan is also a licensed insurance agent with Advanced Planning Advisors Group Inc. Approximately 10% of Patrick R. Kirvan’s time is spent in this practice. He will offer Clients products from this activity and receive separate compensation. This practice represents a conflict of interest because it gives an incentive to recommend products based on the commission amount received. This conflict is mitigated disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first - 5 -  and the Clients are not required to purchase any products. Clients have the option to Recommendations or Selections of Other Investment Advisors and Conflicts of Interest purchase these products through another insurance agent of their choosing. Clients placed with TPMs will be billed in accordance with the TPM’s fee schedule which will be disclosed to the Client prior to signing an agreement. When referring Clients to a TPM, the Client’s best interest will be the main determining factor of APAG. APAG ensures that before selecting other advisors for Client that the other advisors are properly licensed or registered as an investment advisor. These practices represent conflicts of interest because APAG is paid a Referral Fee for recommending the TPMs and may choose to recommend a particular TPM based on the fee APAG is to receive. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to act in the best interest of his Clients. Clients are not required to accept any recommendation of TPMs given by APAG and have the option to receive investment advice through other money managers of their choosing. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description include employees and/or independent The affiliated persons (affiliated persons contractors) of APAG have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of APAG affiliated persons and addresses conflicts that may arise. The Code defines acceptable behavior for affiliated persons of APAG. The Code reflects APAG and its supervised persons’ responsibility to act in the best interest of their Client. One area which the Code addresses is when affiliated persons buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our Clients. We do not allow any affiliated persons to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. APAG’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other employee, officer or director of APAG may recommend any transaction in a security or its derivative to advisory Clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. APAG’s Code is based on the guiding principle that the interests of the Client are our top priority. APAG’s officers, directors, advisors, and other affiliated persons have a fiduciary duty to our Clients and must diligently perform that duty to maintain the complete trust and confidence of our Clients. When a conflict arises, it is our obligation to put the Client’s interests over the interests of either affiliated persons or the company. The Code applies to “access” persons. “Access” persons are affiliated persons who have access to non-public information regarding any Clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are - 6 -  involved in making securities recommendations to Clients, or who have access to such recommendations that are non-public. APAG will provide a copy of the Code of Ethics to any Client or prospective Client upon Investment Recommendations Involving a Material Financial Interest and Conflict of request. Interest APAG and its affiliated persons do not recommend to Clients securities in which we have a material financial interest. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest APAG and its affiliated persons may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as trading ahead of Client transactions, affiliated persons are required to disclose all reportable securities transactions as well as provide APAG with copies of their brokerage statements. The Chief Compliance Officer of APAG is Patrick R. Kirvan. He reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential treatment over affiliated persons’ transactions. Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest APAG does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, affiliated persons may buy or sell securities at the same time they buy or sell securities for Clients. In order to mitigate conflicts of interest such as front running, affiliated persons are required to disclose all reportable securities transactions as well as provide APAG with copies of their brokerage statements. The Chief Compliance Officer of APAG is Patrick R. Kirvan. He reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential treatment over associated persons’ transactions. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions APAG uses the custodian required by TPM, therefore APAG does not recommend the use of • Directed Brokerage a particular broker-dealer. • Brokerage for Client Referrals APAG utilizes TPMs and therefore it does not take direction from Clients as to what broker-dealer to use. APAG does not receive Client referrals from any custodian in exchange for using that broker-dealer. - 7 -  • Best Execution • Soft Dollar Arrangements Investment advisors who manage or supervise Client portfolios have a fiduciary obligation of best execution. APAG does not trade individual securities in Client accounts. Aggregating Securities Transactions for Client Accounts APAG does not receive soft dollar benefits. APAG does not trade individual securities therefore aggregation of securities transactions is not applicable. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Review of Client Accounts on Non-Periodic Basis Account reviews are performed on a quarterly basis by the Chief Compliance Officer, Patrick R. Kirvan. Account reviews are performed more frequently when market conditions dictate. Financial plans generated are updated as requested by the Client. Content of Client Provided Reports and Frequency Other conditions that may trigger a review of Clients’ accounts are changes in the tax laws, new investment information, and changes in a Client's own situation. Clients receive written account statements no less than quarterly for managed accounts. Account statements are issued by the TPM’s custodian. Client receives confirmations of each transaction in account from Custodian and an additional statement during any month in which a transaction occurs. APAG does not provide additional reports to Clients. Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest APAG utilizes the services of a Third Party Manager (“TPM”) to manage Client accounts. In such circumstances, APAG receives Co-Advisor fees from the TPM. This situation creates a conflict of interest. However, when referring Clients to a TPM, the Client’s best interest will be the main determining factor of APAG. These fees do not include brokerage fees that may be assessed by the custodian. Fees for these services are based on a percentage of assets under management not to exceed any limit imposed by any regulatory agency. The final fee schedule is disclosed in the Client agreement. This Co-Advisor relationship is disclosed to the Client in each contract between APAG and TPM. Client's signature is required to confirm consent for services within Third Party Investment Agreement. Client initials APAG's Investment Advisory Agreement to acknowledge receipt of TPM fee schedule and required documents including Form ADV Part 2 disclosures. - 8 -  APAG Quarterly AUM with GI Participation rate in GI’s fee Incentive Program - GI In addition to the regular advisory fee, GI has instituted a long-term incentive arrangement where APAG may share in GI’s portion of the management fee. This does not change the cost to the Client; it is a sharing arrangement paid from GI’s portion of the advisory fee. The incentive arrangement will be paid annually according to the following table: $10,000,000 3.00% $25,000,000 10.00% $50,000,000 12.50% $75,000,000 15.00% Once APAG reaches and maintains the thresholds listed above, the participation rate applies to all of the AUM for the quarter. To receive the incentive award, APAG needs to meet two qualifications. First, the quarter end billable AUM must be above the threshold amounts specified. Second, APAG must be an advisor “in good standing” with GI at the time the annual checks are issued. “In good standing” means the advisor is proactively placing assets with GI. This relationship will be disclosed to the Client in each contract between APAG and TPM. Client's signature is required to confirm consent for services within Third Party Investment Agreement. Client will initial APAG Investment Advisory Agreement to acknowledge receipt of TPM fee schedule and required documents including Form ADV Part 2 disclosures. This situation creates a conflict of interest because APAG and/or its Investment Advisor Representative have an incentive to decide what TPMs to use because of the higher referral fees to be received by APAG. However, when referring Clients to a TPM, the Client’s best interest will be the main determining factor of APAG. Advisory Firm Payments for Client Referrals APAG’s investment advisor representatives may receive certain benefits from Gradient Investments, LLC (and/or its affiliated companies) based on achieving certain production thresholds. These thresholds are not based on the sale of any specific product or specific product type. These incentives include marketing assistance, access to technology, office support, and business trainings and trips. While some of these benefit the client, such as technology and training, some do not. This creates a conflict of interest because it gives an incentive to the representative to meet this threshold. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first. Clients are not required to use Gradient Investments, LLC or any of its affiliated companies. APAG does not compensate for Client referrals. - 9 -  Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to Clients at their address of record at least quarterly. Clients are urged to compare the account statements received directly from their custodians to any documentation or reports prepared by TPM. Item 16: Investment Discretion Discretionary Authority for Trading APAG has discretion to select appropriate portfolios for Clients when using GI portfolios, but does not have the discretion to select specific securities within the portfolios. APAG allows Client’s to place certain restrictions, as outlined in the Client’s Investment Policy Statement or similar document. These restrictions must be provided to APAG in writing. Item 17: Voting Client Securities Proxy Votes APAG does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies is requested, APAG will provide recommendations to the Client. If a conflict of interest exists, it will be disclosed to the Client. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided to Clients because APAG does not serve as a custodian for Client funds or securities and APAG does not require prepayment of fees of more than $1200 per Client and six months or more in advance. Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients Bankruptcy Petitions during the Past Ten Years APAG has no condition that is reasonably likely to impair our ability to meet contractual commitments to our Clients. APAG has not had any bankruptcy petitions in the last ten years. - 10 -  S U P E R V I S E D P E R S O N B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 B Patrick R. Kirvan Advanced Planning Advisors Group Inc. Office Address: 400 East Diehl Road Suite 240 Naperville, IL 60563 Tel: 630-780-1099 rob@apadvisorsgroup.com www.apadvisorsgroup.com APRIL 9, 2026 This brochure supplement provides information about Patrick R. Kirvan and supplements the Advanced Planning Advisors Group Inc. brochure. You should have received a copy of that brochure. Please contact Patrick R. Kirvan if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about Patrick R. Kirvan (CRD #6135958) is available on the SEC’s website at www.adviserinfo.sec.gov. - 11 -  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer – Patrick R. Kirvan • Item 2 - Educational Background and Business Experience Year of birth: 1971 • Educational Background: Carleton University; area of study-Business; attended 1990; no degree obtained • Business Experience: • • • Item 3 - Disciplinary Information Advanced Planning Advisors Group Inc.; CCO/Investment Advisor Representative; 04/2021 – Present Advanced Planning Advisors Group Inc.; President/Insurance Agent; 12/2017 – Present Gradient Advisors, LLC; Investment Advisor Representative; 11/2012 – 04/2021 Patrick R. Kirvan; Independent Insurance Agent; 09/2010 – 11/2017 A. Mr. Kirvan has never been involved in a criminal or civil action in a domestic, foreign or military court of competent jurisdiction for which he: 1. 2. 3. 4. Was convicted of, or pled guilty or nolo contender (“no contest”) to (a) any felony; (b) misdemeanor that involved investments or an investment-related business, fraud, false statement or omissions, wrongful taking of property, bribery, perjury, counterfeiting, or extortion; or (c) a conspiracy to commit any of these offenses; Is the named subject of a pending criminal proceeding that involves an investment-related business, fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses; Was found to have been involved in a violation of an investment-related statute or regulation; or Was the subject of any order, judgement or decree permanently or temporarily enjoining, or otherwise limiting, him from engaging in any investment related activity, or from violating any investment-related statute, rule, or order. B. Mr. Kirvan never had an administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency, or any foreign financial regulatory authority in which he: 1. 2. Was found to have caused an investment-related business to lose its authorization to do business; or the subject of an order by the agency or authority; Was found to have been involved in a violation of an investment-related statute or regulation or was the subject of an order by the agency or authority (a)denying, suspending or revoking the authorization of the supervised person to act in an investment-related business; (b) barring or suspending his association with an investment-related business; (c) otherwise significantly - 12 -  limiting his investment-related activities; or (d) imposing a civil money penalty of more than $2,500 on him. C. Mr. Kirvan has never been the subject of a self-regulatory organization (SRO) proceeding in which he: 1. lose its 2. Was found to have caused an investment-related business to authorization to do business; or Was found to have been involved in a violation of the SRO’s rules and was: (a) barred or suspended from membership or from association with other members, or was expelled from membership; (b) otherwise significantly limited from investment-related activities; or (c) fined more than $2,500. D. Item 4 - Other Business Activities Mr. Kirvan has not been involved in any other hearing or formal adjudication in which a professional attainment, designation, or license of the supervised person was revoked or suspended because of a violation of rules relating to professional conduct. Patrick R. Kirvan is also a licensed insurance agent with Advanced Planning Advisors Group Inc. Approximately 10% of Patrick R. Kirvan’s time is spent in this practice. He will offer Clients products from this activity and receive separate compensation. Item 5 - Additional Compensation This practice represents a conflict of interest because it gives an incentive to recommend products based on the commission amount received. This conflict is mitigated disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products. Clients have the option to purchase these products through another insurance agent of their choosing. Item 6 - Supervision Patrick R. Kirvan receives commissions on the insurance he sells. He does not receive any performance-based fees. He does not receive any additional compensation for performing advisory services other than what is disclosed in Item 5 of Part 2A. Patrick R. Kirvan is the Chief Compliance Officer of APAG. He is solely responsible for all supervision and formulation and monitoring of investment advice offered to Clients. He will adhere to the policies and procedures as described in the firm’s Compliance Manual. He can be reached at rob@apadvisorsgoup.com or 630-780-1099. - 13 -