ADV 2B G. BRYON GRAGG

Gragg Financial 9 East Marion Street Shelby, NC 28150 (704) 482-2001 www.graggfinancial.com/ Gary Bryon Gragg, Jr. CPA, PFS Partner Individual CRD No. 4476409 Form ADV Part 2B – Brochure Supplement Effective: October 23, 2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Bryon Gragg, as a supplement to the information contained in Gragg and Gragg L.L.P. dba Gragg Financial (referred to as “we,” “our,” “us,” “Firm,” “Advisor,” or “Gragg Financial”) Form ADV Part 2A Disclosure Brochure. You should have received a copy of that Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the firms’ Disclosure Brochure or this Brochure Supplement, please contact Gragg Financial at (704) 482-2001. Additional information about Mr. Gragg is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. The site is searchable by a unique identifying number known as a CRD number. Mr. Gragg’s CRD number is 4476409. 1  Item 2: Educational Background and Business Experience EDUCATIONAL BACKGROUND Bryon Gragg, born in 1964, currently serves as a Partner for Gragg Financial. Mr. Gragg earned his Bachelor of Science in Business Administration in Accounting in 1987 at Appalachian State University. Additional information regarding Mr. Gragg’s business background is included below. BUSINESS BACKGROUND Partner 01/2000 – Present Gragg Financial Investment Advisor Representative 03/2017 – 09/2025 CPS Investment Advisors PROFESSIONAL DESIGNATIONS CERTIFIED PUBLIC ACCOUNTANT (CPA) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience, and testing requirements for licensure as a CPA generally include: Minimum College Education – Typically 150 credit hours with at least a bachelor’s degree and a concentration in accounting. Minimum Experience Levels – Most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax, or consulting skills, all of which must be achieved under the supervision of or verification by a CPA. Uniform CPA Examination® – Must score a minimum of 75%. Continuing Professional Education – In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two-year period or 120 hours over a three-year period). American Institute of Certified Public Accountants (AICPA) members are required to follow a rigorous Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. In addition to the Code of Professional Conduct, AICPA members who provide personal financial planning services are required to follow the Statement on Standards in Personal Financial Planning Services (the Statement). Most state boards of accountancy define financial planning as the practice of public accounting and therefore have jurisdiction over CPAs practicing in this discipline; state boards would likely look to the Statement as the authoritative guidance in this practice area regardless of specific or blanket adoption of AICPA standards. PERSONAL FINANCIAL SPECIALIST (“PFS”) The Personal Financial Specialist (“PFS”) designation credential is granted and administered by the American Institute of Certified Public Accountants (AICPA). The PFS credential demonstrates that an individual has met the minimum education, experience and testing required of a CPA in addition to a minimum level of expertise in personal financial planning. To attain the PFS credential, a candidate must hold an unrevoked CPA license, certificate, or permit, none of which are in inactive status; fulfill 3,000 hours of personal financial planning business experience; complete 75 hours of personal financial planning CPE credits; pass a comprehensive financial planning exam and be an active member of the AICPA. A PFS credential holder is required to adhere to AICPA’s Code of Professional Conduct and the Statement on Standards in Personal Financial Planning Services, when providing personal financial planning services. 2  To maintain their PFS credential, the recipient must complete 60 hours of financial planning CPE credits every three years. Item 3: Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Gragg. Mr. Gragg has no material investment related regulatory, civil, or criminal action. There have been no material client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Gragg. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Gragg. However, we do encourage you to independently view the background of Mr. Gragg on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD No. 4476409. Item 4: Other Business Activities Bryon Gragg is the owner of Nine East Marion LLC, through which he owns commercial real estate. Mr. Gragg’s involvement included general management and oversight of the property, and he receives additional compensation. The activity is investment-related, and Mr. Barber devotes approximately 2 hours per month to this business activity. Item 5: Additional Compensation Mr. Gragg does not receive any economic benefit from any person, company, or organization, in exchange for providing clients with advisory services through Gragg Financial. Item 6: Supervision The supervision of Mr. Gragg is performed by Jason Gragg in his capacity as Chief Compliance Officer of Gragg Financial. Gragg Financial has implemented a policies and procedures manual and Code of Ethics which guides the Firm and its supervised persons in meeting their fiduciary obligations to the firm’s clients when providing investment advisory services. As Gragg Financial’s Chief Compliance Officer, Jason Gragg is responsible for the implementation of the Firm’s policies and procedures and the Code of Ethics. Jason Gragg may be contacted at (704) 482-2001 for more information about this Brochure Supplement. Additionally, Gragg Financial is subject to regulatory oversight by various agencies. These agencies require registration by the firm and its supervised persons. As a registered entity, Gragg Financial is subject to examinations by regulators, which can be announced or unannounced. The firm is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Firm. 3