AGNELLO FINANCIAL GROUP, INC.

FORM ADV PART 2A Item 1 – COVER PAGE Agnello Financial Group, Inc. 712 North Olive Avenue West Palm Beach, FL 33401 Office: 561-833-7080 Fax: 561-833-7399 www.AgnelloFinancial.com Mike@AgnelloFinancial.com February 12, 2026 This brochure provides information about the qualifications and business practices of Agnello Financial Group, Inc. If you have any questions about the contents of this Brochure, please contact us at (561) 833-7080 and/or Mike@AgnelloFinancial.com. 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 Agnello Financial Group, Inc. is also available on the SEC’s website at www.adviserinfo.sec.gov. The searchable IARD/CRD number for Agnello Financial Group, Inc. is 141522. Any references to Agnello Financial Group, Inc. as a registered investment adviser or its related persons as registered advisory representatives do not imply a certain level of skill or training.  Agnello Financial Group, Inc. Item 2 - MATERIAL CHANGES This Item discusses only specific material changes that are made to this Brochure and provides clients with a summary of such changes. The previous annual amendment of the Agnello Financial Group, Inc. Form ADV, Part 2A, was March 6, 2025. On February 12, 2026, we submitted our required annual amendment to regulators for our firm’s fiscal year ending December 31, 2025. We have made the following material changes: Form ADV Part 2A Item 4 – Advisory Business • There has been a change in regulatory assets under management. As of December 31, 2025, we manage on a non-discretionary basis approximately $ 378,642,582 of client assets. Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss • We added information regarding political risks that could impact both domestic and global investors. If you have any questions about these changes or if you would like a copy of our Brochure free of charge at any time, please contact us at (561) 833-7080 and/or Mike@AgnelloFinancial.com. February 12, 2026 2 of 30  Agnello Financial Group, Inc. Item 3 - TABLE OF CONTENTS Item 1 – COVER PAGE ....................................................................................................................... 1 Item 2 - MATERIAL CHANGES ........................................................................................................ 2 Item 3 - TABLE OF CONTENTS ........................................................................................................ 3 Item 4 - ADVISORY BUSINESS ........................................................................................................ 4 Investment Advisory Services .......................................................................................................... 4 Investment Monitoring Services ....................................................................................................... 4 Financial Planning Services .............................................................................................................. 5 General Information .......................................................................................................................... 6 Item 5 - FEES AND COMPENSATION ............................................................................................. 7 Investment Advisory Services .......................................................................................................... 7 Investment Advisory Termination Provisions .................................................................................. 8 Investment Monitoring Services ....................................................................................................... 9 Financial Planning Services .............................................................................................................. 9 Past Due Accounts and Termination of Agreement ......................................................................... 9 Material Disclosures ....................................................................................................................... 10 Item 6 - PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT ...................... 12 Item 7 - TYPES OF CLIENTS ........................................................................................................... 12 Item 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS METHODS OF ANALYSIS .............................................................................................................. 12 Investment Strategies ...................................................................................................................... 12 Risks ................................................................................................................................................ 13 Item 9 - DISCIPLINARY INFORMATION ...................................................................................... 16 Item 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS ....................... 16 Item 11 - CODE OF ETHICS, PARTICIPATION OF INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING ........................................................................................................... 17 Code of Ethics ................................................................................................................................. 17 Participation or Interest in Client Transactions .............................................................................. 17 Personal Trading ............................................................................................................................. 17 Item 12 - BROKERAGE PRACTICES .............................................................................................. 17 Item 13 - REVIEW OF ACCOUNTS ................................................................................................. 19 Item 14 - CLIENT REFERRALS AND OTHER COMPENSATION ............................................... 19 Item 15 – CUSTODY ......................................................................................................................... 20 Item 16 - INVESTMENT DISCRETION........................................................................................... 20 Item 17 - VOTING CLIENT SECURITIES ....................................................................................... 20 Item 18 - FINANCIAL INFORMATION .......................................................................................... 20 BUSINESS CONTINUITY PLAN..................................................................................................... 21 INFORMATION SECURITY PROGRAM ....................................................................................... 21 Privacy Notice ................................................................................................................................. 21 BROCHURE SUPPLEMENT ............................................................................................................ 22 Michael H. Agnello, CFP®.............................................................................................................. 22 BROCHURE SUPPLEMENT ............................................................................................................ 27 Dean Gregory Ringdahl, CFP® ....................................................................................................... 27 February 12, 2026 3 of 30  Agnello Financial Group, Inc. Item 4 - ADVISORY BUSINESS Agnello Financial Group, Inc. (hereinafter referred to as “AFG”) is an investment advisory firm offering a variety of advisory services customized to your individual needs. AFG was founded in 1988. Michael H. Agnello and Milissa L. Agnello are each 50% stockholders. AFG offers the following advisory services. Each of the services is more fully described below. Investment Advisory Investment Monitoring • • • Financial Planning Investment Advisory Services AFG offers an asset management platform referred to as the Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”). Advisor Managed Portfolios provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing, and custodial services through Pershing, LLC (“Pershing”). Advisor Managed Portfolios provides risk tolerance assessment, fund profiling, performance data, and portfolio optimization and rebalancing tools. Utilizing these tools and based on your responses to a risk tolerance questionnaire and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation, we construct a portfolio of investments for you. Portfolios consist of mutual funds, exchange traded funds (“ETFs”), equities, options, debt securities, variable life, variable annuity sub-accounts, and other investments. Assets are invested primarily in no- load mutual funds purchased at Net Asset Value (“NAV”) and ETFs. Each portfolio is designed to meet your individual needs, stated goals, and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Advisor Managed Portfolios are offered as a non-wrap program. Non-Wrap Fee Accounts, often referred to as client pays ticket charge, are accounts with separate advisory fees and transaction charges. Investment Monitoring Services For assets held away, clients can choose to have AFG monitor their assets in order to obtain ongoing investment advice on a non-discretionary basis. The scope of work and fees for an Investment Monitoring Services Agreement are provided to the client in writing prior to the start of the relationship. AFG shall provide investment monitoring services to include, but not limited to, mutual funds or other investment company accounts, annuity products issued by an insurance company, investment accounts held at financial institutions, and retirement accounts. February 12, 2026 4 of 30  Agnello Financial Group, Inc. Investment advice is provided regarding asset allocation, investment portfolio construction, investment selection, investment adviser retention, or other services agreed upon by both parties. Realistic and measurable goals are set, and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made on an ongoing basis. Financial Planning Services AFG offers broad-based and modular financial planning services. Depending on the needs of the client, financial planning services can provide analysis in: • Personal liability, estate information, and financial goals: This can include, but is not limited to, a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations. • Asset Allocation Services: Investment advice is provided regarding asset allocation, investment portfolio construction, investment selection, investment adviser retention, or other services agreed upon by both parties. Realistic and measurable goals are set, and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made on an ongoing basis. • Tax and Cash Flow: Income tax and spending analysis and planning for past, current, and future years. AFG will illustrate the impact of various investments on your current income tax and future liability. • Death and Disability: Cash needs at death, income needs of the surviving dependents, estate planning, and disability income analysis • Retirement: Analysis of current strategies and investment plans to help you work toward retirement goals. Investments: Analysis of investment alternatives and their effect on a client’s portfolio. • • Estate Planning: Advice with respect to property ownership, distribution strategies, disposition of business interest, estate tax reduction, and tax payment techniques, as well as discussion of gifts, trusts, etc. Further, a review of death and disability issues will be examined. Tax consequences and their implications are identified and evaluated. Financial planning services will typically involve providing a variety of services, principally advisory in nature, to clients regarding the management of their financial resources based upon an analysis of the client’s individual needs. AFG may use financial planning software to assist in obtaining the client’s current financial position and define and quantify long term goals and objectives. The financial planning software may run hypothetical scenarios based on variables to assist a client in determining a course of action. In no way can any program or software predict future results. It is a tool to enable analysis based on historical information to review possibilities that could occur if historical events repeat. AFG will schedule a meeting with you and present a written report of the analysis of your situation and recommendations for steps to be taken to assist you in working toward financial goals. Financial planning suggestions provided are based on your financial situation at the time and are based on financial information disclosed by you to AFG. You are advised that certain assumptions are be February 12, 2026 5 of 30  Agnello Financial Group, Inc. made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. However, past performance is in no way an indication of future performance. AFG cannot offer any guarantees or promises that your financial goals and objectives will be met. Further, you must continue to review your situation with the suggestions and update them based upon changes in your financial situation, goals, or objectives, or changes in the economy. Should your financial situation, investment goals, or objectives change, you must notify AFG promptly of the changes. Advice offered by AFG may be limited and is not meant to be comprehensive. Therefore, you may need to seek the services of other professionals, such as an attorney and/or accountant. You are not obligated to implement advice through AFG or Advisory Representatives. Should you implement the recommendations from the financial planning services with AFG’s Advisory Representatives, commissions or other compensation will be received in addition to the financial planning fee paid to AFG. A portion of the cost of some services may be waived at AFG’s or Investment Advisory Representative’s sole discretion, should the recipient of the financial plan choose to implement the plan through Investment Advisory Representative or AFG. If the financial plan is implemented through AFG, Investment Advisory Representative, and AFG may receive additional compensation through associated brokerage commissions and advisory fees. General Information The investment recommendations and advice offered by AFG are not legal advice or accounting advice. You should coordinate and discuss the impact of financial advice with your attorney and/or accountant. You are advised that it is necessary to inform AFG promptly with respect to any changes in your financial situation and investment goals and objectives. Failure to notify AFG of any such changes could result in investment recommendations not meeting your needs. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. AFG tailors the advisory services it offers to your individual needs. You may impose restrictions and/or limitations on investing in certain securities or types of securities. Depending on the services you have requested, AFG will gather various financial information and history from you, including, but not limited to: Investment objectives Investment horizon • Retirement and financial goals • • • Financial needs • Cash flow analysis • Cost of living needs • Education needs • Savings tendencies • Other applicable financial information required to provide the investment advisory services requested. February 12, 2026 6 of 30  Agnello Financial Group, Inc. If you determine to engage AFG on a non-wrap fee basis, you will select individual services on an unbundled basis, paying for each service separately (i.e., investment advisory, brokerage, custody). Investment Advisory services that involve the use of no transaction fee funds and/or a more static management strategy, therefore, infrequent trading, will be more suitable for a non-wrap or unbundled program. As of December 31, 2025, we manage on a non-discretionary basis approximately $ 378,642,582 of client assets. AFG does not manage assets on a discretionary basis. Item 5 - FEES AND COMPENSATION Investment Advisory Services The annual Investment Advisory Services Agreement fee is based on a percentage of the investable assets according to the following schedule: 1.25% - on the first $ 250,000; 1.00% - on the next $ 750,000 (from 250,001 to 1,000,000); and 0.75% - on the assets above $ 1,000,000 Fees are negotiable. Fees are determined based on each account's size. Therefore, if you have multiple accounts, you will pay a fee-based on each account's value. AFG aggregates accounts together to determine the fee. We allow Advisory Representatives servicing the account to negotiate the exact investment advisory fees within the range disclosed in our Form ADV Part 2A Brochure. As a result, the Advisory Representative servicing your account may charge more or less for the same service than another Advisory Representative of our firm. Further, our annual investment advisory fee may be higher than that charged by other investment advisers offering similar services/programs. AFG may change the above fee schedule upon 30-days prior written notice to you. Advisory fees will be collected directly from a designated account, provided you have given AFG written authorization. You will be provided with an account statement reflecting the deduction of the advisory fee directly from the account custodian. If the account does not contain sufficient funds to pay advisory fees, AFG has limited authority to sell or redeem securities in sufficient amounts to pay advisory fees. You may reimburse the account for advisory fees paid to AFG, except for ERISA and IRA accounts. Advisory fees will be charged in arrears for each calendar quarter. The quarterly advisory fee will be based on the value of the account on the last business day of the just-completed quarterly period. The firm treats cash and cash equivalents as an asset class. Accordingly, unless otherwise agreed in writing, all cash and cash equivalent positions (e.g., money market funds, etc.) are included as part of assets under management for purposes of calculating the firm’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), the firm may maintain cash and/or cash equivalent positions for defensive, liquidity, or other purposes. While assets are maintained in cash or cash equivalents, such amounts could miss market advances and, depending upon current yields, at any point in time, the firm’s advisory fee could exceed the interest paid by the client’s cash or cash February 12, 2026 7 of 30  Agnello Financial Group, Inc. equivalent positions. Fees for partial periods will be prorated. The initial quarterly fee will be a pro- rated portion of the fee, based on the number of days in the quarterly period. Some clients may establish margin accounts with the custodian. Although we do not routinely recommend that clients utilize margin, we would assist clients in establishing margin accounts upon request. However, before doing so, clients should note that unless otherwise agreed upon in writing, the gross amount of assets in the client’s account, including any margin balances, would be included in the total value of assets under management for purposes of calculating our firm’s advisory fees. This practice inherently creates a conflict of interest as it increases the total value of assets under management used to calculate advisory fees, thereby increasing the amount of fees collected by our firm. Clients are encouraged to consider this when determining whether to establish a margin account. At all times, the firm and its Advisory Representatives strive to uphold their fiduciary duties of fair dealing with clients. Non-Wrap Program: In addition to the advisory fees above, you will pay transaction fees for securities transactions executed in your account in accordance with the custodian’s transaction fee schedule. Advisor Managed Portfolio Programs: Additionally, you will pay fees for custodial services, account maintenance fees, transaction fees, and other fees associated with maintaining the account. Such fees are not charged by AFG and are charged by the product, broker-dealer, or account custodian. AFG does not share in any portion of such fees. Please refer to Item 12 regarding our brokerage practices. Additionally, you will pay your proportionate share of the fund’s management and administrative fees and sales charges, as well as the mutual fund adviser’s fee for any mutual fund they purchase. Such advisory fees are not shared with AFG and are compensation to the fund manager. Mutual funds offer different share classes with different internal costs. You should read the mutual fund prospectus prior to investing. The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, the firm will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including but not limited to investment performance, fund manager tenure, style drift, account additions/withdrawals, the client’s financial circumstances, and changes in the client’s investment objectives. Based upon these and other factors, there may be extended periods of time when the firm determines that changes to a client’s portfolio are neither necessary nor prudent. Notwithstanding, unless otherwise agreed in writing, the firm’s annual investment advisory fee will continue to apply during these periods, and there can be no assurance that investment decisions made by the firm will be profitable or equal any specific performance level(s). Investment Advisory Termination Provisions You may terminate investment advisory services obtained from AFG at any time upon written notice. You will be responsible for any fees and charges incurred from third parties because of maintaining the account, such as transaction fees for any securities transactions executed and account maintenance or custodial fees. Should you terminate advisory services during a quarterly period, a pro-rated advisory fee will be charged up to the termination date. February 12, 2026 8 of 30  Agnello Financial Group, Inc. Investment Monitoring Services The fee for Investment Monitoring is established upon the facts known at the start of the engagement, including account size, number of accounts, and the Adviser providing the service. The fee is negotiable. The client shall pay AFG an Investment Monitoring quarterly fixed fee rate set forth in the Investment Monitoring Services Agreement. Each Investment Monitoring Agreement may have a higher or lower fee than others, and each Advisory Representative servicing your account may charge more or less for the same service than another Advisory Representative of our firm. Further, our investment monitoring fee may be higher than that charged by other investment advisers offering similar services/programs. Investment Monitoring Termination Provisions Although the Investment Monitoring Services Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at either party’s discretion. The client or the Investment Manager may terminate an Agreement by written notice to the other party. If a client terminates the Investment Monitoring Agreement with a quarterly fixed fee, the client will be charged the balance of the fee, depending on the value of the services provided by AFG before the notice of termination was received. Financial Planning Services Fees are negotiable. Your fees will be dependent on several factors, including time spent with AFG, the number of meetings, the complexity of your situation, the amount of research, the services requested, and staff resources. The minimum fee is $250.00 per hour and is negotiable. We allow Advisory Representatives servicing the account to negotiate the exact financial planning fees. As a result, the Advisory Representative servicing your account may charge more or less for the same service than another Advisory Representative of our firm. Further, our fee may be higher than that charged by other investment advisers offering similar services/programs. After the delivery of the initial financial planning recommendations in a written report is presented and reviewed with you, future meetings may be scheduled as necessary. Any follow-up reviews or ongoing consultations will also be billed at $ 250.00 per hour, or as negotiated. Financial Planning Termination Provisions The Financial Planning Agreement shall terminate one year from the effective date noted on the Agreement unless otherwise terminated in writing by one of the parties, prior to the expiration of the Agreement. You will be responsible for any time spent by AFG. Past Due Accounts and Termination of Agreement AFG reserves the right to stop work on any account that is more than 120 days overdue. In addition, AFG reserves the right to terminate any financial planning engagement where a client has willfully concealed or has refused to provide pertinent information about financial situations when necessary and appropriate, in Agnello Financial Group Inc.’s judgment, to provide proper financial advice. Any unused portion of fees collected in advance will be refunded within 30 days. February 12, 2026 9 of 30  Agnello Financial Group, Inc. Material Disclosures Advisory Representatives of AFG are dually Registered Representatives of Osaic Wealth, Inc. (“Osaic”), a registered broker-dealer, member of the Financial Industry Regulatory Authority (FINRA), and SIPC. If you elect to implement investment advice received from AFG through AFG Advisory Representatives, such advice can be implemented on a fee basis through AFG or on a commission basis through Osaic. AFG Advisory Representatives will receive a portion of the fee and/or commission. This practice presents a conflict of interest and gives AFG and its Advisory Representatives an incentive to recommend investment products based on the compensation received rather than on a client’s needs. In addition, for investment advisory accounts, the more assets there are in your account(s), the more you will pay in fees, and AFG and its Advisory Representatives therefore have an incentive to encourage you to increase the assets in your account(s). Clients may deposit assets on which a commission was previously paid, including mutual funds on which a sales charge was paid, to a fee-based account. Clients are advised that if such transactions were made through AFG or an Advisory Representative who previously received commissions, AFG and the Advisory Representative will not bill an advisory fee-based on the fee schedule disclosed above for those securities for which a commission was received for a period of two years from the date the commission was generated. Advisory Representatives of AFG receive trail commissions (i.e., 12b-1 fees) so long as the client holds those funds and the Advisory Representative remains registered with a broker-dealer. Load and no-load mutual funds pay annual distribution charges, sometimes referred to as 12b-1 fees. 12b-1 fees come from fund assets, therefore, indirectly from your assets. 12b-1 fees are initially paid to Osaic and then credited back to your account. You are advised that investment company securities, such as mutual funds, have different fee and cost structures depending on the share class. Class A, B, and C shares or comparable share classes are considered to have higher expenses but will often have lower trading costs. Institutional share classes, such as class F and I shares, will have lower internal expenses but can have higher trading costs. Disclosure of share classes is outlined in the prospectus. It is important to consider and evaluate the internal costs. Though internal costs are not evident on statements and confirmation, you continue to pay internal costs and expenses, which, when considered along with the advisory fee you pay AFG, your total costs could be considered high. Registered Representatives of Osaic receive trail commissions (i.e., 12b-1 fees) so long as the client holds those funds and the Registered Representative remains registered with a broker-dealer. 12b-1 fees are initially paid to Osaic, and a portion is passed to the Registered Representatives. The receipt of such fees represents an incentive for the Registered Representatives to recommend funds with 12b- 1 fees over funds that have no fees or lower fees. As a result, there is a conflict of interest. As a normal extension of financial advice, we provide education or recommendations related to the rollover of an employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice offers advantages and disadvantages, depending on desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, February 12, 2026 10 of 30  Agnello Financial Group, Inc. and the investor’s unique financial needs and retirement plans. The complexity of these choices may lead an investor to seek assistance from us. An Associated Person who recommends that an investor roll over plan assets into an Individual Retirement Account (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan. Thus, we have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and expenses will increase to the investor as a result because the above-described fees will apply to assets rolled over to an IRA, and the outlined ongoing services will be extended to these assets. We are fiduciaries under the Investment Advisers Act of 1940, and when we provide investment advice to you regarding your retirement plan or individual retirement account, we are also 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. We have to act in your best interests and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. These practices present a conflict of interest and give AFG an incentive to recommend investment products based on the compensation received, rather than on a client’s needs. In addition, for investment advisory accounts, the more assets there are in your account(s), the more you will pay in fees, and AFG and its Advisory Representatives therefore have an incentive to encourage you to increase the assets in your account(s). AFG will attempt to mitigate conflicts of interest by: Informing you of a conflict of interest in this Disclosure Brochure. • • Maintaining and abiding by our Code of Ethics, which requires us to place your interest first and foremost. • Routine review of transactions • Advising you of the right to decline to implement our recommendations and the right to choose other financial professionals for implementation. AFG is a fiduciary and has an obligation to conduct its business in the best interest of its clients and not in AFG’s interest. Securities recommended by AFG can be purchased directly or through other brokers or agents not affiliated with AFG. Certain Associated Persons of our firm are licensed as independent insurance agents. These persons will earn commission-based compensation for selling insurance products, including insurance products they sell to our clients. Insurance commissions earned by these persons are separate from and in addition to our advisory fees. The sale of insurance instruments and other commissionable products offered by us is intended to complement our advisory services. However, this practice presents a conflict of interest because persons providing investment advice on behalf of our firm who are insurance agents have an incentive to recommend insurance products to you for the purpose of generating commissions rather than solely based on your needs. We address this conflict of interest by recommending insurance products only where we, in good faith, believe that it is appropriate for the client’s particular needs and circumstances, and only after a full presentation of the recommended February 12, 2026 11 of 30  Agnello Financial Group, Inc. insurance product to our client. In addition, we explain the insurance underwriting process to our clients to illustrate how the insurer also reviews the client’s application and disclosures prior to the issuance of a resulting insuring agreement. Clients to whom the firm offers advisory services are informed that they are under no obligation to purchase insurance services. Clients who do choose to purchase insurance services are under no obligation to use our licensed agents and may use the insurance brokerage firm and agent of their choice. Item 6 - PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT AFG does not charge performance-based fees. Fees are not based on a share of the capital gains or capital appreciation of managed securities. Item 7 - TYPES OF CLIENTS AFG generally provides investment advice to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, or business entities. Client relationships vary in scope and length of service. AFG generally requires a minimum amount of assets be deposited into an account for the purpose of obtaining asset management services. AFG will generally require you to deposit a minimum of $500,000 (cash or securities). However, under certain circumstances, AFG from time to time waives the minimum account size requirement and accepts accounts less than $500,000. Such circumstances include, but are not limited to, additional assets to be deposited or additional accounts under management with AFG. Item 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS METHODS OF ANALYSIS Security analysis methods include charting, fundamental analysis, technical analysis, and cyclical analysis. Fundamental analysis generally involves looking at economic and financial factors. Additionally, we assess a company’s or security’s value based on factors such as sales, assets, markets, management, products and services, earnings, and financial structure. AFG conducts technical market analysis and technical trend following. Technical analysis generally involves studying trends and movements in a security’s price, trading volume, and other market- related factors in an attempt to discern patterns. Investment Strategies The primary investment strategy used on client accounts is strategic asset allocation utilizing a core and satellite approach. This means that we use passively-managed index and Exchange Traded Funds (ETFs) as the core investments, and then add actively-managed funds and individual securities where there are greater opportunities to make a difference. Portfolios are globally diversified to control the risk associated with traditional markets. February 12, 2026 12 of 30  Agnello Financial Group, Inc. The investment strategy for a specific client is based on the objectives stated by the client during consultations. The client may change these objectives at any time. Each client completes a confidential Personal Financial Planning Questionnaire that documents objectives and desired investment strategy. Other strategies include long-term purchases, short-term purchases, trading, and short sales. AFG emphasizes that investment returns, particularly over shorter time periods, can be highly volatile and are dependent on a wide variety of factors. Thus, our investment management services are generally suitable only for long-term investment objectives or strategies, rather than for short-term trading purposes. Neither diversification nor asset allocation assures a profit or protects you against a loss, and there is no guarantee that your investment objectives will be achieved. Investing in securities involves risk of loss, including the loss of principal. Therefore, your participation in any of the management programs offered by AFG will require you to be prepared to bear the risk of loss and fluctuating performance. AFG does not represent, guarantee, or imply that the services or methods of analysis used by AFG can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to major market corrections or crashes. Past performance is no indication of future performance. No guarantees can be offered that your goals or objectives will be achieved. Further, no promises or assumptions can be made that the advisory services offered by AFG will provide a better return than other investment strategies. Risks AFG primarily uses no-load mutual funds purchased at NAV and ETFs. The risks with funds include: • Manager Risk: the risk that an actively managed mutual fund’s investment adviser will fail to execute the fund’s stated investment strategy. • Market Risk: the risk that the Stock Market will decline, decreasing the value of the securities • • contained within the mutual funds we recommend to you. Industry Risk: the risk that a group of stocks in a single industry will decline in price due to adverse developments in that industry, decreasing the value of mutual funds that are significantly invested in that industry. Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the mutual fund. ETFs are professionally managed pooled vehicles that invest in stocks, bonds, short-term money market instruments, other mutual funds, other securities, or any combination thereof. ETFs trade on an auctionable market. Therefore, there is more price fluctuation with ETFs than with mutual funds since ETFs trade throughout the day, whereas mutual funds are priced once a day. Also, since most ETFs only mirror a market index, such as the S&P 500, they will not outperform the index. While ETFs generally provide diversification, risks can be significantly increased for funds concentrated in a particular sector of the market, or that primarily invest in small-cap or speculative companies, use February 12, 2026 13 of 30  Agnello Financial Group, Inc. leverage (i.e., borrow money) to a significant degree, or concentrate in a particular type of security rather than balancing the fund with different types of securities. Investors face the following investment risks: • Interest-rate Risk: Fluctuations in interest rates cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • • Market Risk: The price of a security, bond, or mutual fund drops in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic, and social conditions often trigger market events. Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, because purchasing power is eroding at the rate of inflation. • Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Reinvestment Risk: This is the risk that future proceeds from investments have to be reinvested at a lower rate of return (i.e., interest rate). This primarily relates to fixed income securities. • Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations results in bankruptcy and/or a declining market value. • Environment, Social, and Governance (ESG) Investment Criteria Risk: If a portfolio is subject to certain ESG investment criteria, it may avoid purchasing or may sell certain securities for ESG reasons when it is otherwise economically advantageous to do the opposite. In general, the application of the portfolio’s ESG investment criteria may affect the portfolio’s exposure to certain issuers, industries, sectors, and geographic areas, which may affect the financial performance of the portfolio, positively or negatively, depending on whether these issuers, industries, sectors, or geographic areas are in or out of favor. An adviser can vary materially from other advisers with respect to its methodology for constructing ESG portfolios or screens, including with respect to the factors and data that it collects and evaluates as part of its process. As a result, an adviser’s ESG portfolio or screen may materially differ from or contradict the conclusions reached by other ESG advisers concerning the same issuers. Further, ESG criteria are dependent on data and are subject to the risk that such data reported by issuers or received from third-party sources may be subjective, or it may be objective in principle but not verified or reliable. February 12, 2026 14 of 30  Agnello Financial Group, Inc. • Concentrated Position Risk: Certain Advisory Representatives may recommend that clients concentrate account assets in an industry or economic sector. In addition to the potential concentration of accounts in one or more sectors, certain accounts may, or may be advised to, hold concentrated positions in specific securities. Therefore, at times, an account may, or may be advised to, hold a relatively small number of securities positions, each representing a relatively large portion of assets in the account. As a result, the account will be subject to greater volatility than a more sector-diversified portfolio. Investments in issuers within an industry or economic sector that experiences adverse economic, business, political conditions, or other concerns will impact the value of such a portfolio more than if the portfolio’s investments were not so concentrated. A change in the value of a single investment within the portfolio will affect the overall value of the portfolio and will cause greater losses than it would in a portfolio that holds more diversified investments. • Cybersecurity Risks: Our firm and our service providers are subject to risks associated with a breach in cybersecurity. Cybersecurity is a generic term used to describe the technology, processes, and practices designed to protect networks, systems, computers, programs, and data from cyber-attacks and hacking by other computer users, and to avoid the resulting damage and disruption of hardware and software systems, loss or corruption of data, and/or misappropriation of confidential information. In general, cyber-attacks are deliberate; however, unintentional events may have similar effects. Cyber-attacks may cause losses to clients by interfering with the processing of transactions, affecting the ability to calculate net asset value, or impeding or sabotaging trading. Clients may also incur substantial costs as a result of a cybersecurity breach, including those associated with forensic analysis of the origin and scope of the breach, increased and upgraded cybersecurity, identity theft, unauthorized use of proprietary information, litigation, and the dissemination of confidential and proprietary information. Any such reach could expose our firm to civil liability as well as regulatory inquiry and/or action. In addition, clients could be exposed to additional losses as a result of unauthorized use of their personal information. While our firm has established a business continuity plan and systems designed to prevent cyber-attacks, there are inherent limitations in such plans and systems, including the possibility that certain risks have not been identified. Similar types of cybersecurity risks are also present for issuers of securities, investment companies, and other investment advisers in which we invest, which could result in material adverse consequences for such entities and may cause a client’s investment in such entities to lose value. • Political Risk: Each administration presents its own set of policy risks that could impact investors. One of the policy tools that an administration can implement is the imposition of tariffs, or the threats thereof. The scope, implementation, and duration of tariffs can create uncertainty domestically and globally. Industries that rely on imported raw material or that have heavily integrated cross-border manufacturing practices may be most impacted by the imposition of tariffs. However, it is challenging to predict the impact of actual and/or threatened tariffs, and it is impossible to predict future policy decisions. When tariffs are imposed, there is also a higher probability that retaliatory tariffs could be imposed, which could further impact industries and products. Tariffs in general can also permanently alter global supply chains and have far-reaching indirect impacts. Tariffs can hurt economic growth and add to inflation, which can lead to rising interest rates. February 12, 2026 15 of 30  Agnello Financial Group, Inc. These are some of the primary risks associated with the way we recommend investments to you. Please do not hesitate to contact us to discuss these risks and others in more detail. Mutual fund and ETF fees are described in the fund's prospectus, which the custodian delivers directly to the client following any purchase of a fund that is new to the client's account. In addition, a prospectus is available online at each fund company's website. At the client's request, at any time, AFG will direct the client to the appropriate web page to access the prospectus. Item 9 - DISCIPLINARY INFORMATION The firm entered into a Stipulation and Consent Agreement on 12/31/2015 for failure to comply with custody requirements for investment advisers. All matters have been corrected, and an administrative fine of $ 29,500.00 was paid to the State of Florida, Office of Financial Regulation. Item 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Advisory Representatives are dually registered as advisory representatives of AFG and as registered representatives of Osaic, a broker-dealer. You are under no obligation to purchase or sell securities through your Advisory Representative. However, if you choose to implement the plan through advisory representatives in their capacity as registered representatives, commissions are earned in addition to any fees paid for financial planning services. Commissions are higher or lower at Osaic than at other broker-dealers. Advisory Representatives have a conflict of interest in having you purchase securities and/or insurance-related products through Osaic, in that the higher their production with Osaic, the greater potential for obtaining a higher payout on commissions earned. It is important to understand that investment advisers have a fiduciary obligation to provide advice and services through the investment adviser that are in the best interest of the client. However, when advisory representatives act in the capacity of a registered representative, their obligation is to make recommendations and conduct transactions that are suitable to you but are not necessarily in your best interest. Under the rules and regulations of the FINRA, Osaic has an obligation to perform certain supervisory functions regarding certain activities engaged in by Advisory Representatives who are also Registered Representatives of Osaic. For such supervisory functions, AFG pays Osaic a portion of the advisory fees it receives. Osaic and AFG are not affiliated. Advisory Representatives are licensed insurance agents and offer insurance products and services for which they will earn a commission. There is a conflict of interest for Advisory Representatives to recommend insurance products and services for which they will earn a commission. You are under no obligation to purchase insurance products through our Advisory Representative, and you can obtain insurance products that are as suitable or more so at a lower cost through another insurance professional. AFG attempts to mitigate the conflicts of interest with the receipt of commissions if recommendations are implemented by providing you with these disclosures. Further, you are encouraged to consult other professionals and implement recommendations through other financial professionals. Furthermore, as Registered Representatives with Osaic, Advisory Representatives are subject to a supervisory structure at Osaic for their securities business. February 12, 2026 16 of 30  Agnello Financial Group, Inc. Michael Agnello, President and Chief Compliance Officer of AFG, is a licensed real estate broker and the co-owner of Universal Real Estate Services Inc., a Florida real estate company. Advisory clients are not clients of Universal Real Estate Services and are not solicited to purchase real estate through Mr. Agnello in his capacity as a licensed real estate broker. Mr. Agnello does not anticipate spending any of his professional time during trading hours on this outside business activity. - CODE OF ETHICS, PARTICIPATION OF INTEREST IN CLIENT Item 11 TRANSACTIONS AND PERSONAL TRADING Code of Ethics AFG has a fiduciary duty to you to act in your best interest and always place your interests first and foremost. AFG takes seriously its compliance and regulatory obligations and requires all staff to comply with such rules and regulations as well as AFG’s policies and procedures. Further, AFG strives to handle your non-public information in such a way as to protect information from falling into the hands of those who have no business reason to know such information, and provides you with AFG’s Privacy Policy. As such, AFG maintains a Code of Ethics for its Advisory Representatives, supervised persons, and staff. The Code of Ethics contains provisions for standards of business conduct in order to comply with federal securities laws, personal securities reporting requirements, pre-approval procedures for certain transactions, code violations reporting requirements, and safeguarding of material non-public information about your transactions. Further, AFG’s Code of Ethics establishes AFG’s expectation for business conduct. A copy of our Code of Ethics will be provided to you upon request. Participation or Interest in Client Transactions AFG and its employees buy and/or sell securities that are also held by clients. Employees cannot trade their own securities ahead of client trades. Employees comply with the provisions of the AFG Compliance Manual. Personal Trading The Chief Compliance Officer of AFG is Michael H. Agnello. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect the markets and that clients of the firm receive preferential treatment. Since most employee trades are small mutual fund trades or ETF trades, the trades do not affect the securities markets. Item 12 - BROKERAGE PRACTICES Your assets must be maintained in an account at a qualified custodian. Generally, a qualified custodian is a broker-dealer or bank. As previously stated, Advisory Representatives are registered representatives of Osaic. As a result, they are subject to FINRA Conduct Rule 3040, which restricts them from conducting securities transactions away from Osaic unless Osaic provides them with written authorization. Not all investment advisers require you to maintain accounts at a specific broker-dealer. You may maintain accounts at another broker-dealer. However, AFG provides an Investment Monitoring service which is limited to only advice and will not include implementation. February 12, 2026 17 of 30  Agnello Financial Group, Inc. We seek to select a custodian/broker who will hold your assets and execute transactions on terms that are overall most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others, these: • Ability to service you and us • Combination of transaction execution services along with asset custody services (generally without a separate fee for custody) • Capability to execute, clear, and settle trades (buy and sell securities for your account) • Capabilities to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) • Breadth of investment products made available (stocks, bonds, mutual funds, ETFs, etc.) • Availability of investment research and tools that assist us in making investment decisions • Quality of services • Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate them Industry reputation, staying power as a company, financial strength, and viability • • Technology and educational resources • Confidentiality and security of your information Osaic has a wide range of approved securities products for which Osaic performs due diligence prior to selection. Osaic’s Registered Representatives are required to adhere to these products when implementing securities transactions through Osaic. Commissions charged for these products may be higher or lower than commissions you can obtain if transactions were implemented through another broker-dealer. Osaic also provides Advisory Representatives, and therefore AFG, with back-office operational, technology, and other administrative support. Other services include consulting, publications, and conferences on practice management, information technology, business succession, regulatory compliance, and marketing. Such services are intended to help Advisory Representatives and AFG manage and further develop their business enterprise. Osaic and its clearing broker-dealer, Pershing LLC, also make available to AFG other products and services that benefit AFG but do not directly benefit you. Some of these other products and services assist AFG with managing and administering your accounts. These include software and other technology that provide access to your account data (such as trade confirmation and account statements); facilitate trade execution; provide research, pricing information, and other market data; facilitate payment of AFG's fees from your accounts; and assist with back-office functions, recordkeeping, and client reporting. Due to the individual management of client accounts, we do not aggregate the purchase or sale of securities for various client accounts. February 12, 2026 18 of 30  Agnello Financial Group, Inc. Item 13 - REVIEW OF ACCOUNTS We monitor your investment advisory assets on a continuous basis, your investment monitoring accounts on at least a quarterly basis, and we do not monitor the investments made as a result of a financial planning recommendation unless you hire us for a separate service. Reviews are conducted by Advisory Representatives. When reviewing your assets, we will monitor for changes or shifts in the economy, changes to the management and structure of a mutual fund or company in which your assets are invested, and market shifts and corrections. You must notify your Advisory Representative promptly of any changes to your financial goals, objectives, or financial situation, as such changes lead to consideration of a review of the portfolio allocation. For financial planning services, you may request a review frequency and set thresholds for triggering events that would cause a review to take place. We recommend you have at least an annual review. However, the time and frequency of the reviews is solely your decision, and you will be charged review fees based on the fee schedule disclosed under the respective service. For the Investment Advisory service, you will be provided statements at least quarterly directly from the account custodian. Additionally, you will receive confirmations of all transactions occurring directly from the account custodian. You will receive a portfolio review at least annually, and you will receive a portfolio performance report from AFG monthly. It is important to compare any report received from AFG with statements received from the account custodian. The custodial reports will prevail regarding any discrepancies. Other than the initial written report or analysis, there will be no other reports issued for Investment Monitoring and Financial Planning Services, unless requested. Item 14 - CLIENT REFERRALS AND OTHER COMPENSATION Osaic has allowed one of our Advisory Representatives to invest in an illiquid investment in Class A common units of AG Artemis Holdings, L.P., the parent entity of Osaic. This is a conflict of interest for our Advisory Representative to maintain a relationship with Osaic rather than serving our clients’ best interest to move to another broker-dealer that is more suitable, lower cost, and/or offers services that better serve you. To mitigate this conflict of interest, Agnello Financial Group, Inc. is providing you with this disclosure. Additionally, Osaic offers incentives to attend certain conferences based on achieving production thresholds. There is no requirement to sell a certain product or a certain amount of a product. Qualification for trips and conferences is based on overall production and meeting the production levels determined by Osaic. If the thresholds are satisfied, Osaic can cover certain travel and conference costs. As described in Item 12 above, we receive economic benefits from Osaic and its clearing broker-dealer, Pershing LLC, in the form of support products and services they make available to us and other independent investment advisers whose clients maintain their accounts at Osaic/Pershing and us. The availability of custodial products and services is not dependent upon or based on the specific investment advice we provide our clients, such as buying or selling specific securities or specific types February 12, 2026 19 of 30  Agnello Financial Group, Inc. of securities for our clients. The products and services provided by Osaic/Pershing, how they benefit us, and the related conflicts of interest are described above (see Item 12 – Brokerage Practices). Occasionally, we will receive additional compensation from vendors. Compensation could include such items as gifts, an occasional dinner or ticket to a sporting event, reimbursement in connection with educational meetings with us, reimbursement for consulting services, client workshops, or events, or marketing events or advertising initiatives, including services for identifying prospective clients. Receipt of additional economic benefits presents a conflict of interest because we have an incentive to recommend and use vendors based on the additional economic benefits obtained rather than solely on the client’s needs. We address this conflict of interest by recommending vendors that we, in good faith, believe are appropriate for the client’s particular needs. Clients are under no contractual or otherwise obligation to use any of the vendors recommended by us. AFG does not directly or indirectly compensate any person for referrals. Item 15 – CUSTODY AFG does not have physical custody of any of your funds or securities. However, we are deemed to have custody over your funds or securities where Clients provide us with written authorization to deduct our advisory fees from a designated account held by a qualified custodian, and in certain situations where we accept standing letters of authorization from Clients to transfer assets to third parties. Your account custodian maintains actual custody of your assets. You will receive account statements reflecting the deduction of AFG’s advisory fee directly from your account custodian at least quarterly. Clients should carefully review statements received from the broker-dealer or account custodian. Further, clients should compare any report received from AFG with statements received directly from the broker-dealer or account custodian. The custodial reports will prevail regarding any discrepancies. Item 16 - INVESTMENT DISCRETION AFG does not accept discretionary authority to manage securities accounts on behalf of clients. Prior to each trade, AFG will consult with the client and obtain specific client consent regarding the securities and the amount of securities to be bought or sold. Item 17 - VOTING CLIENT SECURITIES AFG does not vote on your securities. Unless you suppress proxies, securities proxies will be sent directly to you by the account custodian or transfer agent. You may contact AFG about questions you may have and opinions on how to vote the proxies. However, the voting and how you vote the proxies is solely your decision. Item 18 - FINANCIAL INFORMATION Neither AFG nor any of its Advisory Representatives has been the subject of a bankruptcy petition within the past ten years. February 12, 2026 20 of 30  Agnello Financial Group, Inc. BUSINESS CONTINUITY PLAN General AFG has a Business Continuity Plan in place that provides detailed steps to mitigate and recover from the loss of office space, communications, services, or key people. Disasters The Business Continuity Plan covers natural disasters such as hurricanes, tornadoes, and flooding. The Plan also covers disasters such as loss of electrical power, fire, telephone line, and internet outage. Electronic files are backed up daily and archived offsite. Alternate Offices Alternate offices are identified to support ongoing operations in the event the main office is unavailable. It is our intention to contact all clients within five days of a disaster that dictates moving our office to an alternate location. INFORMATION SECURITY PROGRAM Privacy Notice AFG is committed to maintaining the confidentiality, integrity, and security of the personal information that is entrusted to us. The categories of nonpublic information that we collect from you include information about your personal finances, information about your health to the extent that it is needed for the financial planning process, information about transactions between you and third parties, and information from consumer reporting agencies, e.g., credit reports. We use this information to help you meet your personal financial goals. With your permission, we disclose limited information to attorneys, accountants, and mortgage lenders with whom you have established a relationship. You may opt out of our sharing information with these nonaffiliated third parties by notifying us at any time by telephone, mail, fax, email, or in person. With your permission, we share a limited amount of information about you with your brokerage firm in order to execute securities transactions on your behalf. We maintain a secure office to ensure that your information is not placed at unreasonable risk. We employ a firewall barrier, secure data encryption techniques, and authentication procedures in our computer environment. We do not provide your personal information to mailing list vendors or solicitors. We require strict confidentiality in our agreements with unaffiliated third parties that require access to your personal information, including financial service companies, consultants, and auditors. Federal and state securities regulators review AFG records and your personal records as permitted by law. Personally identifiable information about you will be maintained while you are a client, and for the required period thereafter that records are required to be maintained by federal and state securities laws. After that time, information will be destroyed. We will notify you in advance if our privacy policy is expected to change. We are required by law to deliver this Privacy Notice to you annually, in writing. February 12, 2026 21 of 30  Agnello Financial Group, Inc. Item 1 FORM ADV PART 2B BROCHURE SUPPLEMENT Michael H. Agnello, CFP® Agnello Financial Group, Inc. 712 North Olive Ave West Palm Beach, FL 33401 Office: (561) 833-7080 Fax: (561) 833-7399 www.AgnelloFinancial.com Mike@AgnelloFinancial.com February 12, 2026 This brochure supplement provides information about Michael H. Agnello that supplements the Agnello Financial Group, Inc. brochure. You should have received a copy of that brochure. Please contact Michael H. Agnello at the phone number or contact information above if you did not receive Agnello Financial Group, Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Michael H. Agnello is available on the SEC’s website at www.adviserinfo.sec.gov. February 12, 2026 22 of 30  Agnello Financial Group, Inc. Michael H. Agnello, CFP® Item 2 - Educational Background and Business Experience Year of Birth: 1959 Education: Institutions: • Michigan State University, East Lansing, MI – attended from 1977 to 1981, graduated in 1981 with a BA in Marketing. • Nova Southeastern University, Ft. Lauderdale, FL – attended from 1981 to 1983, graduated in 1983 with an MBA in Marketing. • Obtained the Certified Financial Planner™ (CFP®) designation in 1988 from the International Board of Standards and Practices. CERTIFIED FINANCIAL PLANNER™ professional Michael Agnello is certified for financial planning services in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and may use these and the CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net. CFP® professionals have met the CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and February 12, 2026 23 of 30  Agnello Financial Group, Inc. Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification marks: • Ethics –Commit to complying with the CFP Board’s Code and Standards. This includes a commitment to the CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in the financial planning field. Two of the hours must address the Code and Standards. Business Background: • Agnello Financial Group Inc., an investment advisory firm – position: President, Advisory Representative – 05/1988 to Present • Osaic Wealth, Inc., a broker-dealer – position: Registered Representative – 11/2023 to Present • FSC Securities Corporation, a broker-dealer – position: Registered Representative – 05/1993 to 11/2023 • Universal Real Estate Services, a real estate company – position: President – 12/1991 to Present Item 3 - Disciplinary Information Michael H. Agnello entered into a Stipulation and Consent Agreement on 12/31/2015 for failure to comply with custody requirements for investment advisers. All matters have been corrected, and an administrative fine of $ 29,500.00 was paid to the State of Florida, Office of Financial Regulation. Item 4 - Other Business Activities Michael H. Agnello is dually registered as an Advisory Representative of Agnello Financial Group, Inc. (“AFG”) and as a Registered Representative of Osaic Wealth, Inc. (“Osaic”), a registered broker- dealer, member of the Financial Industry Regulatory Authority, and SIPC. Clients are under no obligation to purchase or sell securities through Michael. Osaic and AFG are not affiliated. Michael is an independent contractor of Osaic. Michael recommends clients implement recommendations through Osaic. If clients implement investment recommendations through Osaic on a non-fee basis, Michael will receive a commission. Additionally, as further disclosed in the Disclosure Brochure under Item 5 - Fees and Compensation, Michael receives trail compensation for investments directed through Osaic. Therefore, there is a conflict of interest to cause a client to direct certain securities business through Osaic. As such, he has February 12, 2026 24 of 30  Agnello Financial Group, Inc. an incentive to sell you commissionable products in addition to providing you with advisory services when such commissionable products are not suitable. Alternatively, he has an incentive to forego providing you with advisory services when appropriate, and instead recommend the purchase of commissionable investments, if he deems that the payout for recommending the purchase of these investments would be higher than providing management advice on these products for an advisory fee. Therefore, a conflict of interest exists between his interests and your best interests. Additionally, Michael is a licensed insurance agent. You are not obligated to purchase insurance or securities products through Michael. However, if you implement insurance recommendations through him, he will receive commissions. The insurance business is a minority of his business, and the amount of income he receives from the insurance business fluctuates depending on the amount of sales. There are other insurance products and services available through other insurance professionals at a lower cost than those products available through Michael. It is important that clients refer to the disclosures under Brokerage Practices in the Disclosure Brochure. Michael is not actively engaged in any other investment-related business or occupation. Further, he is not actively engaged in any other business or occupation for compensation. “Actively engaged” is deemed to mean the business activity represents more than 10 percent of his time and income. Item 5 - Additional Compensation The amount of commissions paid by Osaic to Michael H. Agnello can fluctuate based on his overall production. Therefore, the more business placed by Michael through Osaic can enable Michael to reach another threshold, enabling him to earn a higher payout. Osaic has allowed Michael to invest in an illiquid investment in Class A common units of AG Artemis Holdings, L.P., the parent entity of Osaic. This is a conflict of interest for Michael to maintain a relationship with Osaic rather than serving our clients’ best interest to move to another broker-dealer that is more suitable, lower cost, and/or offers services that better serve you. To mitigate this conflict of interest, Agnello Financial Group, Inc. is providing you with this disclosure. Additionally, Osaic offers incentives to attend certain conferences based on achieving production thresholds. There is no requirement to sell a certain product or a specific amount of a specific product. Qualification for trips and conferences is based on overall production and meeting the production levels determined by Osaic. If the thresholds are satisfied, Osaic can cover certain travel and conference costs. Item 6 - Supervision Supervision and oversight of the activities conducted through AFG is conducted by Michael H. Agnello, President and Chief Compliance Officer of AFG. Michael can be contacted at (561) 833- 7080 and/or Mike@AgnelloFinancial.com. AFG has written policies and procedures and requires all its supervised persons to read and acknowledge acceptance of its code of ethics. AFG has a supervisory structure and system designed to detect and prevent violations of the Investment Advisers Act. February 12, 2026 25 of 30  Agnello Financial Group, Inc. As a registered representative of Osaic, Michael is subject to oversight by Osaic over all his securities activities and certain outside business activities. Such oversight includes review of Michael’s securities business to ensure he appears to be conducting suitable transactions. February 12, 2026 26 of 30  Agnello Financial Group, Inc. Item 1 FORM ADV PART 2B BROCHURE SUPPLEMENT Dean Gregory Ringdahl, CFP® Agnello Financial Group, Inc. 712 North Olive Ave West Palm Beach, FL 33401 Office: (561) 833-7080 Fax: (561) 833-7399 www.AgnelloFinancial.com Greg@AgnelloFinancial.com February 12, 2026 This brochure supplement provides information about Dean Gregory Ringdahl that supplements the Agnello Financial Group, Inc. brochure. You should have received a copy of that brochure. Please contact Michael H. Agnello at the phone number or contact information above if you did not receive Agnello Financial Group, Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Dean Gregory Ringdahl is available on the SEC’s website at www.adviserinfo.sec.gov. February 12, 2026 27 of 30  Agnello Financial Group, Inc. Dean Gregory Ringdahl, CFP® Item 2 - Educational Background and Business Experience Year of Birth: 1959 Education: Institution: • Florida Atlantic University, Boca Raton, FL – attended from 1979 to 1982, graduated in 1982 with a BA in Finance. • Obtained the Certified Financial Planner™ (CFP®) designation in 1994 from the International Board of Standards and Practices. CERTIFIED FINANCIAL PLANNER™ professional Dean Gregory Ringdahl is certified for financial planning services in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and may use these and the CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net. CFP® professionals have met the CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. February 12, 2026 28 of 30  Agnello Financial Group, Inc. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification marks: • Ethics –Commit to complying with the CFP Board’s Code and Standards. This includes a commitment to the CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in the financial planning field. Two of the hours must address the Code and Standards. Business Background: • Agnello Financial Group, Inc., an investment advisory firm – position: Advisory Representative – 11/2006 to Present • Osaic Wealth, Inc., a broker-dealer – position: Registered Representative – 11/2023 to Present • FSC Securities Corporation, a broker-dealer – position: Registered Representative – 05/2002 to 11/2023 Item 3 - Disciplinary Information Dean Gregory Ringdahl is not subject to legal or disciplinary events that are material to a client or prospective client’s evaluation of him or the services offered by him. Item 4 - Other Business Activities Dean Gregory Ringdahl is an advisory representative of AFG and is a registered representative of Osaic Wealth, Inc. (“Osaic”), a registered broker-dealer and investment adviser, member of the Financial Industry Regulatory Authority and SIPC. Clients are under no obligation to purchase or sell securities through Greg. Osaic and AFG are not affiliated. Greg is an independent contractor of Osaic. Greg recommends clients implement recommendations through Osaic. If clients implement investment recommendations through Osaic on a non-fee basis, Greg will receive a commission. Additionally, as further disclosed in the Disclosure Brochure under Item 5 - Fees and Compensation, Greg receives trail compensation for investments directed through Osaic. Therefore, there is a conflict of interest to cause a client to direct certain securities business through Osaic. As such, he has an incentive to sell you commissionable products in addition to providing you with advisory services when such commissionable products are not suitable. Alternatively, he has an incentive to forego providing you with advisory services when appropriate, and instead recommend the purchase of commissionable investments, if he deems that the payout for recommending the purchase of these investments would be higher than providing management advice on these products for an advisory fee. Therefore, a conflict of interest exists between his interests and your best interests. February 12, 2026 29 of 30  Agnello Financial Group, Inc. Additionally, Greg is a licensed insurance agent. You are not obligated to purchase insurance or securities products through Greg. However, if you implement insurance recommendations through him, he will receive commissions. The insurance business is a minority of his business, and the amount of income he receives from the insurance business fluctuates depending on the amount of sales. There are other insurance products and services available through other insurance professionals at a lower cost than those products available through Greg. It is important that clients refer to the disclosures under Brokerage Practices in the Disclosure Brochure. Greg is not actively engaged in any other investment-related business or occupation. Further, he is not actively engaged in any other business or occupation for compensation. “Actively engaged” is deemed to mean the business activity represents more than 10 percent of his time and income. Item 5 - Additional Compensation The amount of commissions paid by Osaic to Greg can fluctuate based on his overall production. Therefore, the more business placed by Dean Gregory Ringdahl through Osaic can enable Greg to reach another threshold, enabling him to earn a higher payout. Additionally, Osaic offers incentives to attend certain conferences based on achieving production thresholds. There is no requirement to sell a certain product or a specific amount of a specific product. Qualification for trips and conferences is based on overall production and meeting the production levels determined by Osaic. If the thresholds are satisfied, Osaic can cover certain travel and conference costs. Item 6 - Supervision Supervision and oversight of the activities conducted through AFG is conducted by Michael H. Agnello, President and Chief Compliance Officer of AFG. Michael can be contacted at (561) 833- 7080 or Mike@AgnelloFinancial.com. AFG has written policies and procedures and requires all its supervised persons to read and acknowledge acceptance of its code of ethics. AFG has a supervisory structure and system designed to detect and prevent violations of the Investment Advisers Act. As a registered representative of Osaic, Dean G. Ringdahl is subject to oversight by Osaic over all his securities activities and certain outside business activities. Such oversight includes a review of Greg’s securities business to ensure he appears to be conducting suitable transactions. February 12, 2026 30 of 30