BEYOND FINANCIAL SERVICES

April 4, 2025 Beyond Financial Services (510) 792-9395 Principal Office 39560 Stevenson Place, Suite 111 Fremont, CA 94539 Peninsula Office 724 Oak Grove Ave, Suite 110 Menlo Park, CA 94025 www.beyondfinancialservices.com Investment Advisor Brochure This brochure provides information about the qualifications and business practices of Beyond Financial Services (“BFS”). If you have any questions about the contents of this brochure or would like to request a brochure, please contact us at (510) 792-9395 or info@beyondfinancialservices.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (SEC) or by any state securities authority. Beyond Financial Services (the Firm) is a Registered Investment Advisor. Registration of an Investment Advisor does not imply any level of skill or training. The oral and written communications of an Investment Advisor are intended to provide you with information to assist you in your determination as to whether or not you retain the services of that Investment Advisor. Additional information about Beyond Financial Services, CRD #146051, is also available via the SEC’s web site www.advisorinfo.sec.gov. Page | 1  2. Material Changes Since our last annual updating amendment on February 25, 2025, we have no material changes to report. Page | 2  3. Table of Contents 1. Cover Page ................................................................................................................................................... 1 2. Material Changes ......................................................................................................................................... 2 3. Table of Contents ......................................................................................................................................... 3 4. Advisory Business......................................................................................................................................... 4 5. Fees and Compensation ............................................................................................................................... 5 6. Performance-Based Fees and Side-By-Side Management ............................................................................. 7 7. Types of Clients ............................................................................................................................................ 7 8. Methods of Analysis, Investment Strategies and Risk of Loss ........................................................................ 7 9. Disciplinary Information ............................................................................................................................... 8 10. Other Financial Industry Activities and Affiliations ........................................................................................ 8 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .................................. 10 12. Brokerage Practices ................................................................................................................................... 10 13. Review of Accounts .................................................................................................................................... 11 14. Client Referrals and Other Compensation .................................................................................................. 11 15. Custody...................................................................................................................................................... 12 16. Investment Discretion ................................................................................................................................ 12 17. Voting Client Securities .............................................................................................................................. 12 18. Financial Information ................................................................................................................................. 12 Brochure Supplement ........................................................................................................................................ 13 Page | 3  4. Advisory Business individuals, trusts, estates, special needs Beyond Financial Services (“BFS”) provides investment advice and financial planning services to trustees, individuals and families, high net worth conservatorships, and non-profit organizations. Our advisory services are described below, and our brokerage services are described further below in Item 10. Other Financial Industry Activities and Affiliations. The investment advisory process includes the review and analysis of each Client’s objectives, cash flow requirements, financial constraints, risk tolerance, and special needs. Various strategies are discussed and/or presented to assist the Client in meeting their financial and personal objectives. Based on information provided by the Client, the Advisor makes recommendations as to how assets and other resources should be deployed and allocated as well as specific investment recommendations to accomplish the desired allocation. All investments are made on a non-discretionary basis. The Advisor provides ongoing investment advisory services including periodic portfolio reviews and adjustments to recommended strategies and investment allocations. BFS relies on Clients to notify them of any changes in their objectives, goals, and risk tolerance, as well as any other material changes in their personal circumstances (such as employment, marital status, financial condition, etc.). These changes may require adjustments in a Client’s investment account and to the investment strategies employed. Advisor will not be bound by any Investment Policy Statement (IPS) or investment guidelines unless Advisor is specifically advised of those restrictions by the Client in writing. All securities transactions in connection with any recommendations are handled on a non-discretionary basis. This means that Client permission must be secured prior to executing any securities transaction. As a result, Client may further restrict their purchase of any security or types of securities. Portfolio recommendations may include: equities (e.g. exchange-listed securities and securities traded over the counter); corporate debt (other than commercial paper); certificates of deposit; municipal bonds; investment company products (e.g. mutual fund shares, variable life insurance, or variable annuities); and/or United States Government or Agency securities. Under limited situations, portfolios might contain other assets. BFS does not make recommendations regarding the purchase of commodities, futures, precious metals, warrants, or commercial paper. When BFS acts as an Investment Advisor, we are considered to have a fiduciary relationship with you and are held to legal standards under applicable federal and state securities laws. If you are an investment advisory Client, we owe you a fiduciary duty under the Advisers Act in connection with the specific investment advisory service we will be providing to you. An example of this duty is our obligation as an Investment Advisor to make full and fair disclosure of all material facts about our services and our relationship and an obligation to place your interests before our own when managing your account. Our charges for investment advisory services are set forth below. BFS does not participate in any wrap fee programs. Page | 4  As of December 31, 2024, BFS manages approximately $155,178,361 in non-discretionary accounts. 5. Fees and Compensation BFS is generally compensated for advisory accounts on a fee basis, based on a percentage of assets under management. The following is BFS’s basic fee schedule, which is applied incrementally on the Billable Market Value (BMV)1 of all accounts managed as part of an advisory agreement. Fees are billed quarterly, in arrears, and are negotiable. Advisory account fees are automatically deducted from Client’s account(s) pursuant to their authorization in the investment advisory agreement. BFS charges an hourly fee for initial consultation at $350 per hour. The consultation fee is refunded to Client if Client uses our advisory service. Transaction charges are included in the quarterly investment advisory service fee. Balance $ 500,000 $ 500,000 $ 1,000,000 $ 2,000,000 Annually 1.25% 1.00% 0.80% 0.60% Quarterly 0.3125% 0.2500% 0.2000% 0.1500% First: Next: Next: Above: Certain investments, when transferred into or held within the account, or as otherwise agreed to by Client and Advisor, will be designated “Administrative-Only Investments.” These Administrative-Only Investments shall refer to investments designated by Advisor when transferred into or held within the account, which are held for administrative purposes only and are exempt from the advisory fee calculation. Please refer to Advisor’s ADV Part 2A for additional information, inclusive of what types of investments qualify as Administrative-Only and when these investments may become subject to fees. A portion of the annual asset-based advisory fee is paid to Raymond James Financial Services, Inc. (RJFS), a member of FINRA/SIPC, for administration of the account, which includes producing account 1 Billable Market Value (BMV): The BMV is the Total Market Value (TMV) of account(s) less any Non-Billable Values (NBV) which exist in the account(s) that are subject to the agreement at the end of a billable period. Billable periods are the end of each quarter, or in the case of an account which is terminated or otherwise removed from the agreement, the date of termination or removal. Thus BMV = TMV - NBV. The following are Non-Billable Values: Certain Cash Balances: If the market value of designated money market or bank sweep accounts is greater than 20% of the TMV of account(s) on 2 or more consecutive quarterly billing periods, then effective the 2nd quarterly billing period the TMV will be reduced by the amount that the cash balance exceeds 20% of the TMV. Certain Mutual Fund Share Classes: The BMV will exclude the value of any back-end loaded mutual fund (e.g. B Share or C Share fund classes) held at the end of the billable period, whether or not the funds were originally purchased through the Advisor. Funds which impose only a short term (one year or less) fee on sales to discourage excess trading are exempt from this exclusion and will be included in the BMV. In limited circumstances Advisor or a representative of the Advisor may engage in transactions with Client (whether or not as an Advisory Client) which generates or has generated a commission to the Advisor or a representative of the Advisor. If an account currently includes such asset(s), the BMV will reflect a reduction for the market value of the asset(s) in any billable period ending within 3 years of purchase date for any variable annuity or within 2 years for any other asset. Certain investments, when transferred into or held within the account, or as otherwise agreed to by Client and Advisor, will be designated “Administrative-Only Investments.” These Administrative-Only Investments shall refer to investments designated by Advisor when transferred into or held within the account, which are held for administrative purposes only and are exempt from the advisory fee calculation. Please refer to Advisor’s ADV Part 2A for additional information, inclusive of what types of investments qualify as Administrative-Only and when these investments may become subject to fees. Page | 5  statements detailing account assets, transactions, the receipt and distribution of funds, receipts of interest and dividends, and investment gains or losses. Advisory accounts must execute all transactions through RJFS (See Other Financial Industry Activities and Affiliations). Client should be aware that all mutual funds incur internal expenses for portfolio management services and fund administrative services. These internal fees are disclosed in the fund prospectus. Internal expenses of bond funds tend to be lower than for equity funds. The advisory fee charged will be in addition to mutual fund internal expenses. The Advisor does not receive any part of any fees for portfolio management or fund administrative services. The Client understands that certain funds may be obtained directly from the sponsoring fund organization without the assistance of the Advisor. Certain open-end mutual funds assess distribution fees pursuant to Rule 12b-1 under the Investment Company Act of 1940 as amended. RJFS and the Advisor are eligible to share in such fees, which generally equal 0.25% (but may exceed 0.25%) of the mutual fund account balance each year. These fees are disclosed in the prospectus for each mutual fund. However, where 12b-1 share classes that pay such fees are recommended and subsequently purchased for a Client’s account, any 12b-1 fees received by either RJFS or the Advisor are credited bi-monthly to the Client’s account(s). The Advisor recommends no-load mutual funds as well as mutual funds with the load waived. Additionally, the Client understands that no-load mutual funds may be transacted directly with the sponsoring fund organization, without assistance of the Advisor, with no transaction or processing fee. The Advisor does not accept compensation for the sale of securities or other investment products, including asset-based sales charges or service fees from the sale of mutual funds or insurance products. Client may also incur charges for other account services provided by RJFS not directly related to the execution and clearing of transactions in which BFS does not share. These include, but are not limited to, retirement account custodial fees, conservatorship fees, interest charges on margin loans, and fees for legal or courtesy transfers of securities. In addition to asset-based charges for advisory accounts as described above, for services not provided on an asset fee basis, the Advisor may be compensated through fixed fees, hourly charges, or commissions. Fixed fees and hourly charges are not deducted from the Client’s account(s) but are billed directly to the Client as they occur. Lower fees for comparable services may be available from other sources. For work performed on the basis of hourly fees (not exceeding $500 per hour) or fixed charges, the Client will be provided with an estimate of total fees required to complete the work. Estimates for hourly fees, or the amount of any fixed charges are determined based on an estimate of the difficulty and time anticipated to complete the contracted work. No hourly fee or fixed charge work will be performed without prior Client approval. Client may terminate an investment advisory agreement within 5 days of execution and may receive a refund of all unearned fees paid (if any). In any event, the Client or Advisor may terminate an investment advisory agreement, for any reason, on 30 days written notice. A refund of asset-based fees will be prorated for the number of days in the billing period and in cases where the billing period ends on other Page | 6  than a quarter ending date, the BMV will be determined as of the last day of the previous quarter. For non- asset-based fees, refunds are based on the difference between actual hours of work completed billed at the rate stated on the agreement, and fees received. 6. Performance-Based Fees and Side-By-Side Management Performance-based fee arrangements are designed to give a portion of the return of an investment to the Advisor as reward for a positive performance. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged performance-based fees. BFS does not charge any performance-based fees on any of Client accounts. 7. Types of Clients BFS generally provides portfolio management services to individuals and families, high net worth individuals, trusts, estates, special needs trustees, conservatorships, and non-profit organizations. As a condition for starting and maintaining an advisory relationship with BFS, we generally require that you have a minimum investment amount of $200,000. We, at our sole discretion, may allow you to engage our services if you have a smaller account. Some factors we may consider in making this determination include, but are not limited to, pre-existing Client relationships with you or your family members, any additional assets you anticipate receiving in the future, your account composition, and your anticipated future earning capacity. 8. Methods of Analysis, Investment Strategies and Risk of Loss Investment and planning strategies will differ between Clients depending on their stated objectives. BFS may use a wide range of methods of analysis to determine an appropriate investment strategy for your portfolio. Investment strategies emphasize asset allocation to meet anticipated or emergency cash flow needs with an acceptable level of risk. For example, to meet short-term cash flow requirements, typically those occurring in 1-2 years, Advisor may recommend that investments be held in cash investments (e.g. money market funds, municipal money market funds, CDs, etc.) or other near cash equivalents (e.g. short- term treasury instruments, ultra-short bonds, bond funds, etc.). Funds invested to meet cash flow needs in the long term, typically in more than 7 years, Advisor may recommend that investments be held in equity investments (e.g. equity mutual funds, stocks, ETFs, etc.). Funds invested to meet cash flow requirements in the intermediate term, typically those occurring in 2-7 years, Advisor may recommend that investments be held in debt investments either through the purchase of corporate or government debt, or investment in mutual funds with a similar objective. Investments recommended by BFS are reviewed and approved by the Firm’s Investment Management Committee, currently consisting of Kenneth Leung. Investments are approved prior to being offered to Client and then reviewed on a regular and periodic basis to determine changes in the Firm’s recommendations. Evaluation is based on information gathered from a variety of sources including investment databases, industry reports, and other public and private sources. BFS may conduct additional in-house research into investment options (e.g. by interviewing fund holding companies, or portfolio Page | 7  managers; by participating in educational programs and/or site visits). The Firm also reviews analysis conducted and made available through RJFS. However, the Firm is under no obligation to limit approved investments to those recommended by RJFS. Advisor will not be bound by any Investment Policy Statement (IPS) or investment guidelines unless Advisor is specifically advised of those restrictions by the Client in writing. All investments include risks (to principal, interest, purchasing power, etc.) which should be carefully considered at the time a recommendation is made. Client should be certain to understand the risks inherent to all recommendations and be prepared to bear the risk of loss prior to making a decision to invest. 9. Disciplinary Information BFS and its management have not been involved in any criminal or civil actions, administrative or self- regulatory enforcement proceedings, nor any legal or disciplinary events that are material to a Client’s or prospective Client’s evaluation of BFS or the integrity of its management. 10. Other Financial Industry Activities and Affiliations Broker-Dealer Kenneth Leung is both an Investment Advisor Representative of Beyond Financial Services and a Registered Representative of Raymond James Financial Services, Inc. (RJFS), member FINRA/SIPC. Kenneth Leung is also a Branch Manager of RJFS. The Firm is therefore a branch office of RJFS. Kenneth Leung or other Investment Advisor Representatives of BFS may provide advice for an asset- based fee or, to the extent such individuals are also licensed with FINRA, sell securities for commission through the broker-dealer, RJFS. RJFS is a broker-dealer and primarily in the business of selling securities and other investments including annuity, fixed and life insurance products, on a full-time basis in all 50 states, including DC, Puerto Rico and the US Virgin Islands. Another important affiliation of RJFS, through its holding company Raymond James Financial, Inc. (RJF) is with Raymond James & Associates, Inc. (RJA), a broker-dealer and member of the New York Stock Exchange and a registered Investment Advisor. RJA member NYSE/SIPC serves as the custodian for RJFS Client accounts, acts as the clearing agent, and facilitates various advisory programs. As a Registered Representative all securities transactions are, unless specifically directed otherwise by a Client, required to be executed through RJFS. A conflict would occur if Client did not receive the best execution of transactions as a result of their relationship with the broker-dealer and the requirement to place all securities transactions through RJFS. When BFS acts as your broker, we are held to the legal standards under applicable federal and state securities laws, and the rules of self-regulatory organizations for broker-dealers such as FINRA. We are also subject to state insurance laws relative to the sale of life and annuity products. Among other things, these regulations require us to: Page | 8  • Transmit your trading instructions with diligence and competence and seek to provide best execution in light of prevailing market conditions; • Have reasonable grounds for believing that any security that we specifically present to you is suitable given your investment objectives, risk tolerance, financial and tax status and other financial information you have disclosed to us; and • Treat you fairly and with high standards of honesty and integrity. When we act in a brokerage or insurance agency capacity (see below), we do not have the same fiduciary or advisory relationship with you and our disclosure obligations are more limited than if we did. In general, unless we specifically inform you otherwise, the brokerage services offered by our representatives are services offered by RJFS. Insurance Products BFS offers non-variable, insurance company-based investment products (e.g. fixed, deferred, and immediate annuities). These investments may generate commissions but will always be held outside of an investment advisory account and not be subject to investment advisory fees. BFS may offer other insurance products (e.g. Life Insurance, Long Term Care Insurance, etc.) as part of its non-advisory activities. Clients are under no obligation to utilize the services of BFS to purchase insurance products. Other Financial Services BFS offers other financial services. For example, BFS provides advice and services regarding estate planning, charitable gifting, special needs issues, etc. Advice is also provided to people addressing the financial issues involved in catastrophic illness including budgeting and funding of long-term care. This often includes public benefit planning and assistance in obtaining benefits that might be available through the state Medi-Cal or other programs. BFS may act in the capacity of an Authorized Representative for Client seeking public benefits or appealing an adverse ruling regarding such benefits. These services are generally within the scope of services provided under an advisory agreement. Where services fall outside of the scope of services provided by the advisory agreement, the Client will be provided an estimate for the anticipated cost of such services. These services are billed on an hourly or flat-fee basis. The Client is under no obligation to utilize or pay for any other financial service(s) to engage the Firm for investment advisory services. Nor is a Client required to obtain investment advisory services to engage the Firm for any other financial service(s). Conflict of Interest Clients should understand that since the Advisor may receive compensation in the form of fees and/or commissions for investment and/or financial planning services or products that it recommends, a conflict of interest exists between the interests of the Advisor and the Client. Page | 9  At no time is a Client under an obligation to act upon the Advisor’s recommendations or to effect any transaction through the Advisor. 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading BFS has adopted a Code of Ethics to address the standard of business conduct required of our Advisors and employees. An Advisor is considered a fiduciary. As a fiduciary, it is BFS’s responsibility to provide fair and full disclosure of all material facts and to always act solely in the best interest of each of our Clients. Our fiduciary duty is the core underlying principal of our Code of Ethics. The Code of Ethics includes provisions relating to the confidentiality of Client information, a prohibition on insider trading, communications with the public, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. The Code of Ethics is also designed to assure that the personal securities transactions, activities and interests of the employees of BFS will not interfere with [i] making decisions in the best interest of advisory Client, and [ii] implementing such decisions while, at the same time, allowing employees to invest for their own accounts. All employees of BFS must acknowledge the terms of the Code of Ethics annually, or as amended. Kenneth Leung is also a CFP® registrant. As a registrant, he is bound by the CFP® Code of Ethics. A copy of the CFP® Code of Ethics is available on request. Employees of BFS may purchase securities that are recommended to our Clients. Client’s accounts are always given priority. BFS will remain in compliance of the Insider Trading and Securities Fraud Enforcement Act of 1988. BFS does not cross trades between Client’s accounts. The Firm does not practice principal transactions. Principal transactions are defined as transactions where an Advisor, acting as principal for its own account or the account of an affiliated broker-dealer, buys from or sells any security to any advisory Client. A copy of our Privacy Policy is provided to the Client at their engagement of the Firm and annually thereafter. A copy of our Code of Ethics is available to any Client or prospective Client upon request by contacting us at (510) 792-9395 or by emailing to info@beyondfinancialservices.com. 12. Brokerage Practices Kenneth Leung is a Registered Representative of RJFS and as such is only able to implement security recommendations through his broker-dealer, RJFS. Furthermore, Kenneth Leung may only recommend securities that his broker-dealer makes available to their Registered Representatives. Other Advisors who are not Registered Representatives of a broker-dealer might allow Clients to implement security recommendations through other brokerage firms. The Advisor is generally compensated for the implementation of recommendations on investment advisory accounts through asset-based fees. BFS might also make recommendations to Clients who have Page | 10  employer sponsored qualified retirement accounts that are unable to be held at or executed through RJFS. The Advisor may be compensated for this advice on an asset-based, hourly, or flat fee basis. When acting in a non-investment advisory relationship with a Client, Kenneth Leung as a Registered Representative of RJFS will be compensated through commissions based on transactions in a Client’s account. However, none of the assets held in non-investment advisory accounts are subject to an advisory fee. While commissions and fees are generally competitive, they may not be the lowest in the industry. Fees and commissions may be subject to negotiation. BFS does not render advice to or take any actions on behalf of the Client with respect to any legal proceedings, including bankruptcies and shareholder litigation, to which any securities or other investments held in Client accounts, or the issuers thereof, become subject, and does not initiate or pursue legal proceedings, including without limitation shareholder litigation, on behalf of the Client with respect to transactions, securities or other investments held in Client accounts. The right to take any actions with respect to legal proceedings, including shareholder litigation, with respect to transactions, securities or other investments held in a Client account is expressly reserved to the Client. Except in such circumstances as may be advisable to obtain best execution of Client transactions, BFS does not aggregate or block trades. 13. Review of Accounts Account review meetings are performed on a periodic basis at a frequency agreed upon by the Client and Advisor, but in all cases at least annually. Additional review meetings may be conducted at the request of the Client or Advisor. In addition to annual review meetings, BFS periodically monitors the market value, cash holdings, distributions from, deposits to, and performance of Client accounts which may result in the need for additional reviews with the Client. All account reviews and review meetings are performed by members of the Investment Management Committee. As previously noted, we strongly encourage you to advise your Advisor of any changes in your personal circumstances, investments goals and objectives, and risk tolerances to ensure that your investments and investment strategies remain appropriate for you. Advisory Clients receive statements of their accounts directly from the broker-dealer, RJFS. Statements are received at least quarterly and may be delivered by mail or electronically. 14. Client Referrals and Other Compensation BFS does not have arrangements, oral or in writing, where it either pays or receives compensation for Client referrals. Page | 11  BFS occasionally receives research materials, assistance or sponsorship of Client events (e.g. educational seminars) from investment companies that BFS may recommend, however, no assistance is conditioned on execution or recommendation of any future transactions with the Firm. 15. Custody BFS does not have custody of Client funds or securities. Statements are for BFS advisory accounts custodied at RJA, for which RJFS acts as the introducing broker-dealer and sends statements. BFS urges Client to carefully review such statements. You should verify that the transactions in your account are consistent with your investment goals and objectives for your account. BFS manages non-discretionary accounts. Therefore, BFS does not exercise any control over account activity unless directed by the Client (with the exception of instructing Raymond James & Associates, Inc. to deduct agreed upon advisory fees). Investment Discretion 16. BFS does not accept discretionary authority to manage securities accounts on behalf of the Client. BFS does not have authority to determine securities to be bought or sold, amount of the securities to be bought or sold, broker-dealer to be used, or commission rates to be paid without obtaining specific Client consent. 17. Voting Client Securities As a matter of policy and practice, BFS does not have any authority to and does not vote proxies on behalf of advisory Client. Client retains the responsibility for receiving and voting proxies for any and all securities maintained in Client portfolios. BFS does not provide advice to Client regarding the Client’s voting of proxies. 18. Financial Information BFS has no financial commitments that impair its ability to meet contractual and fiduciary commitments to the Client. BFS has not been the subject of a bankruptcy proceeding. BFS does not require the prepayment of more than $1,200 in fees six or more months in advance. Therefore, BFS is not required to include a financial statement with this brochure. There are no additional disclosures. Page | 12  Beyond Financial Services Brochure Supplement Kenneth Leung www.beyondfinancialservices.com April 4, 2025 Principal Office: 39560 Stevenson Place, Suite 111, Fremont, CA 94539 Peninsula Office: 724 Oak Grove Ave, Suite 110, Menlo Park, CA 94025 This brochure supplement provides information about Kenneth Leung that supplements the Beyond Financial Services brochure. You should have received a copy of that brochure. Please contact us at (510) 792-9395 or info@beyondfinancialservices.com if you did not receive Beyond Financial Services’ brochure or if you have any questions about the contents of this supplement. Additional information about Kenneth Leung is available on the SEC’s website at www.advisorinfo.sec.gov. Educational Background and Business Experience Kenneth Leung Year of Birth: 1984 Kenneth Leung, also known as Ka Ki Kenneth Leung and Ka Ki Leung, is principal of Beyond Financial Services. Kenneth Leung graduated from the University of California, Berkeley in 2007 with a BA in Economics. Kenneth Leung was formerly employed by Bank of America Corporation as a Retail Teller and California State Automobile Association as an Actuarial Analyst in 2006. In 2007 he was employed by Massachusetts Mutual Life Insurance Co as a Financial Advisor. Kenneth Leung joined Millar Financial in 2007 and became a Registered Representative of Raymond James Financial Services, Inc. (RJFS), a member FINRA/SIPC, in 2010. Kenneth Leung established Millar Financial Group in 2016 and renamed the Firm to Beyond Financial Services in 2024. Kenneth Leung has been a CFP® practitioner since 2012. The CFP® marks are financial planning credentials awarded by Certified Financial Planner Board of Standards, Inc. to individuals who meet education, examination, experience, continuing education, and ethics requirements. Additional information is available on the CFP® Board of Standards’ website at www.cfp.net. Page | 13  Kenneth Leung is an Investment Advisor Representative of Beyond Financial Services and a member of their Investment Management Committee. Disciplinary Information Criminal or Civil Action: None to report Administrative Proceeding: None to report Self-Regulatory Proceeding: None to report Other Business Activities Kenneth Leung is the owner of Beyond Financial Services and a Registered Representative and Branch Manager of RJFS, a broker-dealer. As a Registered Representative, all securities transactions implemented by the Advisor are required to be executed through RJFS. Kenneth Leung is a licensed insurance agent and transacts all variable insurance contracts and may conduct non-variable contracts through Raymond James Insurance Group, an affiliate of RJFS. Kenneth Leung is licensed to offer non-variable insurance contracts (e.g. fixed annuities, accidental and health, etc.) directly through various insurance companies. Kenneth Leung is a sole proprietor managing residential rental properties. Kenneth Leung is a volunteer for the Alameda County Sheriff's Office Search and Rescue Unit. Additional Compensation Kenneth Leung receives no additional compensation. Compensation received is not conditioned on volume or frequency of transactions with Client(s) or within the Firm. Kenneth Leung will earn commissions for transactional business in accordance with Raymond James Financial Services, Inc.'s published commission schedule. Also, at the conclusion of each year, certain qualifying Advisors are awarded membership in the Raymond James Financial Services, Inc.'s recognition councils. Qualification for recognition councils is based upon a combination of the Advisor's annual production (both advisory and transactional), total Client assets under administration, and the professional certifications acquired through educational programs. Supervision Kenneth Leung is owner of Beyond Financial Services. He is responsible for supervising his own advisory activities as well as all other activities of the Firm. Kenneth Leung can be reached at his office number (510) 792-9395. Page | 14