BLEAKLEY FINANCIAL GROUP AMENDED WRAP BROCHURE

Item 1. Cover Page FORM ADV PART 2A APPENDIX 1 FOR ONEPOINT BFG WRAP PROGRAM (“Wrap Fee Program Brochure”) OnePoint BFG 300 Kimball Drive, Suite 310 Parsippany, NJ 07054 https://www.onepointbfg.com March 31, 2026 This Wrap Fee Program Brochure provides information about the qualifications and business practices of Bleakley Financial Group, LLC (d/b/a OnePoint BFG Wealth Partners). If you have any questions about the contents of this Wrap Fee Program Brochure, please contact us at (973) 575-4180 or craig.weiss@onepointbfg.com. The information in this Wrap Fee Program Brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Bleakley Financial Group, LLC (d/b/a OnePoint BFG Wealth Partners) shall be referred to herein as “OnePoint BFG”. Additional information about OnePoint BFG also is available on the SEC's website at www.adviserinfo.sec.gov. References herein to Bleakley Financial Group, LLC or OnePoint BFG as a "registered investment adviser" or any reference to being "registered" does not imply a certain level of skill or training.  Item 2. Material Changes The Wrap Fee Brochure provides information about a variety of topics relating to an Advisor's business practices and conflicts of interest. In particular, this Wrap Fee Brochure discusses wrap fee programs offered by OnePoint BFG. The following changes have been made since OnePoint BFG’s last annual update on March 28, 2025 Bleakley Financial Group LLC. executed a branding and name change to conduct business as OnePoint BFG Wealth Partners (“OnePoint BFG”) effective July 22, 2025. Additional editorial and non-material changes were made throughout the Wrap Fee Program Brochure. Periodically, the Wrap Fee Program Brochure may be amended to update disclosures referencing changes to our business practices, industry regulations, or required annual updates by securities regulators. OnePoint BFG will forward the updated Wrap Fee Program Brochure or a Summary of Material Changes to each Client annually or if a material change occurs. At any time, you may contact Craig Weiss, OnePoint BFG’s Chief Compliance Officer at (973) 575-4180 or craig.weiss@onepointbfg.com, if you have any questions about this brochure. You may also view the current Wrap Fee Program Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching our firm name or our CRD #318366 2 March 31, 2026  Item 3. Table of Contents Item 1. Cover Page ....................................................................................................................................... 1 Item 2. Material Changes ............................................................................................................................. 2 Item 3. Table of Contents ............................................................................................................................. 3 Item 4. Services, Fees and Compensation .................................................................................................... 4 Item 5. Account Requirements and Types of Clients ................................................................................. 11 Item 6. Portfolio Manager Selection and Evaluation ................................................................................. 11 Item 7. Client Information Provided to Portfolio Managers ...................................................................... 20 Item 8. Client Contact with Portfolio Managers ........................................................................................ 20 Item 9. Additional Information .................................................................................................................. 20 3 March 31, 2026  Item 4. Services, Fees and Compensation OnePoint BFG is an investment advisory firm providing customized financial planning and wealth management services to a broad array of clients. Bleakley is a New Jersey limited liability company that was founded in 1994 and is wholly owned by Bleakley Holdings LLC. Additional information about OnePoint BFG’s direct and indirect owners and executive officers may be found in Form ADV Part 1, Schedule A available at adviserinfo.sec.gov by searching OnePoint BFG’s name or using OnePoint BFG’s CRD #318366. Bleakley Financial Group LLC (“Bleakley”) is registered as an investment adviser with the SEC and notice-filed in all states where advisory business is conducted. As of December 31, 2025, OnePoint BFG managed $15,127,499,616 in total client assets. OnePoint BFG managed $14,457,603,315 of client assets on a discretionary basis and $669,896,301 of client assets on a non-discretionary basis. OnePoint BFG serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, OnePoint BFG and its Advisors must put the client’s best interests ahead of their own. OnePoint BFG’s Code of Ethics further describes the firm’s commitment to its duty of loyalty, fairness, and good faith to each client. This Brochure will disclose any conflicts of interest and OnePoint BFG’s commitment to mitigating each. OnePoint BFG’s financial professionals, called Advisors (also referred to in this Wrap Fee Program Brochure as “OnePoint BFG’s Advisors,” “the Advisor” or “its Advisors”), offer its clients (individuals, business entities, trusts, estates, charitable organizations, etc.) investment advisory services on a discretionary basis. These investment advisory services also include wealth management, retirement plan consulting and advisory, financial consulting and other consulting services to the extent specifically requested by a client. OnePoint BFG Advisors also provide clients investment advisory services on a non-discretionary basis. OnePoint BFG’s Advisors are independent contractors or employees of OnePoint BFG and some of Bleakley’s Advisors operate under other “doing business as” (“DBA”) firm(s). The investment advisory and financial planning products and services offered through the DBA are provided through Bleakley. OnePoint BFG is notice filed to conduct business in all 50 states, Washington DC, Puerto Rico and the Virgin Islands. Clients should discuss with their OnePoint BFG Advisor what programs are appropriate for their investment objectives and risk tolerances. OnePoint BFG allows the use of Zocks, a tool that allows Financial Advisors to transcribe and summarize meetings they host. Zocks utilizes artificial intelligence (“AI”) to generate meeting transcripts that cover the topics discussed in the meeting. Clients are prompted with a disclaimer at the start of the meeting. The meeting transcripts are edited and reviewed by the advisors or their staff (not by AI). OnePoint BFG’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding any conflicts of interest associated with any particular program or strategy or any information outlined in this Wrap Fee Program Brochure. 4 March 31, 2026  OnePoint BFG Wrap Program Services OnePoint BFG is the wrap program sponsor of the OnePoint BFG Wrap Program and participates in wrap fee programs sponsored by other firms. Investments include equity and fixed income securities, mutual funds, Exchange Traded Funds (“ETFs”), variable annuities and other pooled investment funds. Such investments may also include custodian-sponsored programs and services, third-party investment manager programs and Turnkey Asset Management Platforms (“TAMPs”). OnePoint BFG works to provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an Advisor will discuss and review each client’s particular investment objectives and risk tolerances. This information will include, but not be limited to: Investment objectives Investment time horizon • Retirement and financial goals • • • Financial needs and goals and risk tolerance • Other applicable financial information required by OnePoint BFG in order to provide the investment advisory services requested OnePoint BFG Advisors allocate each client's investment assets consistent with the client’s designated investment objectives and risk tolerances. Clients may, at any time, impose restrictions, in writing, on OnePoint BFG's services. Each client is responsible for promptly notifying OnePoint BFG of any change in financial situation or investment objectives for the purpose of reviewing and revising OnePoint BFG's previous recommendations and services. OnePoint BFG and its Advisors will be in periodic contact with clients to discuss clients' investments, investment objectives and risk tolerance. Clients should discuss with their OnePoint BFG Advisor what programs are appropriate based on the client’s investment objectives and risk tolerances. For certain accounts, OnePoint BFG utilizes custodian-sponsored programs and services, third- party investment manager programs and/or Turnkey Asset Management Platforms (“TAMPs”). These services may be offered as a separately managed account (commonly referred to as SMAs) or as a unified managed account (or UMAs). OnePoint BFG will provide such custodians, investment managers and TAMPs, as applicable, client-specific information to enable that custodian, investment manager or TAMP to provide the elected services. As part of OnePoint BFG’s investment advisory services, OnePoint BFG Advisors and Client choose a qualified custodian, that is a broker-dealer and is also a member of FINRA and SIPC to maintain custody of clients' assets and facilitate trades for the clients’ accounts (referred to as “custodians” or “qualified custodians”). Currently, OnePoint BFG utilizes the following qualified custodians: • LPL Financial, LLC (“LPL”), • Schwab Advisor Services division of Charles Schwab & Co., Inc. (“Schwab”). 5 March 31, 2026  • Pershing Advisor Solutions, LLC (“PAS”), • National Financial Services (“Fidelity”), and • Goldman Sachs (“Goldman”) Please note: Before selecting a custodian, clients should discuss with their OnePoint BFG Advisor the differing custodial accounts, programs, services, fees and costs. For example, a non- wrap fee is not available for OnePoint BFG clients through LPL or Pershing. Additionally, the custodians offer various third-party investment manager programs. The final decision to custody assets with any custodian is made by OnePoint BFG's clients, including client accounts established under Employee Retirement Income Security Act of 1974, as amended (“ERISA”) or Individual Retirement Account (“IRA”) rules and regulations, in which case the client is acting as either the plan sponsor or IRA accountholder. For more information about these custodians, clients should refer to Investment Advisor Public Disclosure at www.adviserinfo.sec.gov or FINRA BrokerCheck at https://brokercheck.finra.org/. Some investments may be custodied by or through the issuer, for example mutual funds or variable annuity products. OnePoint BFG is independently owned and operated and not affiliated with any custodian; however, certain of OnePoint BFG’s Advisors are also registered representatives of Purshe Kaplan Sterling Investments (“PKS”) and are dually registered persons. OnePoint BFG and PKS are not affiliated entities. Clients who engage OnePoint BFG on a discretionary or non-discretionary basis may, at any time, impose restrictions, in writing, on OnePoint BFG’s discretionary authority (e.g., limit the types/amounts of particular securities purchased or sold for the account, exclude the ability to purchase or sell securities with an inverse relationship to the market or proscribe OnePoint BFG’s use of margin, etc.). Client restrictions can affect the account’s performance. OnePoint BFG Wrap Program Fees and Compensation Under a OnePoint BFG wrap fee account a client is charged a single or “wrap” fee that includes OnePoint BFG’s investment advisory fee and either the custodial asset-based charge or the custodial transaction-based charges, as applicable. When managing a client’s account on a wrap fee basis, OnePoint BFG receives the balance of the wrap fee after deducting, as applicable, the custodial asset-based charge or the custodial transaction-based charges. OnePoint BFG’s Advisors at their discretion negotiate an annual wrap fee up to a maximum of two percent (2.00%) of assets managed by OnePoint BFG. Clients will typically be billed in one of the following billing methods utilized at OnePoint BFG: • Fixed Percentage – OnePoint BFG applies a fixed percentage to client account(s) regardless of total assets under management (“AUM”). For example: Advisory Fee 2.00% (maximum) *Advisory fee is negotiated 6 March 31, 2026  • Tiered Fee Schedule – OnePoint BFG applies its fee to the client account(s) based on achieving certain asset tiers in two different ways. The primary way is similar to the tax code where specific tax rates are applied to each level of gross income. Under this method, OnePoint BFG will apply a different fee to each corresponding level of AUM and the total fee is a blend based on the total AUM. Certain advisors may negotiate a linear tiered approach where all of the AUM is charged the advisory fee for the asset level reached in the tier. The tiered fee schedule will be identified in the Investment Advisory Agreement and agreed to by the client. For example: ASSET TIER $500,000 $500,001 - $1,000,000 $1,00,001 - $5,000,000 $5,000,000 ADVISORY FEE* 2.00% 1.85% 1.70% Negotiable *Advisory fee is negotiated. Custodial account and other service fees are not covered by the annual wrap fee, including, but not limited to, mutual fund fees and exchange traded fund charges imposed directly at the fund level (e.g., management fees and other fund expenses), margin interest, account activity fees, and any fee associated with maintaining a retirement account charged by the custodian of the qualified account. Additionally, for wrap accounts held at LPL the client will incur a ticket charge for foreign stocks transactions. Furthermore, OnePoint BFG’s proprietary investment strategy fees, UMA fees, and third-party investment manager or sub-advisor fees are not included in the annual wrap fee. OnePoint BFG’s annual wrap fee is negotiated based upon various objective and subjective factors, including, but not limited to, the amount of the assets placed under OnePoint BFG’s direct management, the amount of the assets placed under OnePoint BFG’s advisement (e.g., non-discretionary or held-away), the complexity of the engagement, and the level and scope of the overall investment advisory services to be rendered by the OnePoint BFG Advisor. Additionally, a OnePoint BFG Advisor may have client relationships that pre-date the Advisor’s association with OnePoint BFG and, as a result, such clients' annual wrap fee may be higher or lower than the schedule outlined above. The negotiated wrap fee is disclosed in the Investment Advisor Agreement signed by Client. OnePoint BFG endeavors at all times to put the interests of its clients first. Clients should be aware, however, that the receipt of economic or other benefits by OnePoint BFG in and of itself creates a conflict of interest and may influence OnePoint BFG’s choices for investments, custodial services, third-party investment managers and TAMPs. Additionally, the receipt of economic or other benefits by OnePoint BFG’s Advisors in and of itself creates a conflict of interest and may influence the Advisors’ recommendations to clients. Furthermore, a conflict of interest arises in that OnePoint BFG’s Advisors have an incentive to increase the assets held in a OnePoint BFG advisory account (wrap or non-wrap) as it increases the fee paid to OnePoint BFG and its Advisors. Similarly, a conflict of interest arises in that OnePoint BFG’s Advisors have a disincentive to trade securities in order to reduce the custodial transaction-based charges 7 March 31, 2026  in a wrap account, thereby increasing the wrap fee amount retained by OnePoint BFG and its Advisors. As fiduciaries, OnePoint BFG’s Advisors have a duty to act in the client’s best interest, which helps mitigate this conflict of interest. Wrap fees and custodial charges may be higher or lower than those charged by other investment advisers. The investment strategy, investments and related transactions will impact whether a client will pay more in a non-wrap versus a wrap fee account. OnePoint BFG will only offer non-wrap accounts if a wrap account type is not available. The terms and conditions for client participation in advisory programs or relative to any OnePoint BFG services are set forth in OnePoint BFG's written agreements and the account paperwork for the specific advisory programs or services. All prospective clients should read this Wrap Fee Program Brochure, all relevant brochure supplements, and any documentation for the specific advisory programs or services, and ask any corresponding questions, prior to participation in any advisory program or service provided by or through OnePoint BFG. Participation in the wrap program fees may cost more or less than purchasing such services separately. Wrap program fees may be higher or lower than those charged by other sponsors of comparable wrap fee advisory programs. Additional information is provided below. Clients may inquire at any time with their OnePoint BFG Advisor regarding client-specific custodial charges. Custodial Charges: Client-specific custodial asset-based charge or, as applicable, custodial transaction-based charges and custodial account and other service charges are detailed in the client’s custodial agreement(s) or client’s custodial quarterly statements. A general description of such charges is provided below. The investment strategy, investments and related transactions will impact whether a client will pay more in custodial asset-based charge or the custodial transaction-based charges, as applicable. Furthermore, the custodial charges will differ by custodian and may be higher or lower depending on the investment, transaction, or custodial service. As a result, OnePoint BFG’s clients will pay diverse custodial charges that may be higher or lower than those charged by other investment advisers. Custodial Asset-Based Charge: LPL, Goldman Sachs, Fidelity and Schwab offer custodial asset-based pricing. The custodial asset-based charge is paid to the custodian, based on the assets held within the account. The custodial asset-based charge covers various transaction costs, such as mutual fund fees, brokerage commissions and mark-ups/mark-downs for fixed income securities. The investment strategy, investments and related transactions will impact whether a client will pay more in custodial asset-based charge or a custodial transaction-based charge. LPL’s custodial asset-based charge is billed quarterly in arrears and deducted from OnePoint BFG’s wrap fee; Schwab’s custodial asset-based charge is billed monthly in arrears and either deducted from OnePoint BFG’s wrap fee or, as applicable, deducted from the client’s non-wrap fee account. Note: At Schwab, a OnePoint BFG Advisor may, at the Advisor’s sole discretion, choose either custodial asset-based pricing or custodial transaction-based pricing (as discussed below). Clients 8 March 31, 2026  may inquire at any time with their OnePoint BFG Advisor as to client-specific custodial charges and should discuss these differences with the OnePoint BFG Advisor. Note: A client will be charged Asset Based Pricing at Pershing if using an SMA manager through their SMA platform. Custodial Transaction-Based Charges: Schwab, Pershing and Fidelity offer custodial transaction-based pricing. The custodial transaction-based charges are billed by and paid to the custodian, on trade date, when a transaction is executed through the custodian and is based on the specific security or investment involved in the transaction. Custodial transaction-based charges are deducted from OnePoint BFG’s wrap fee or, as applicable, deducted from the client’s non- wrap fee account. The custodial transaction-based charges cover various transaction costs, such as mutual fund fees, brokerage commissions and mark-ups/mark-downs for fixed income securities. Custodial Account and Other Charges: Each of the custodians utilized by OnePoint BFG have miscellaneous account and other charges that are borne solely by the client and are deducted from the client’s wrap fee account. These custodial account and other service charges are billed by and paid to the custodian, based upon the specific custodial account or service, including, but not limited to, wire fees, transfer fees, margin interest, account activity fees, and any fee associated with maintaining a retirement account charged by the custodian of the qualified account. Custodians may waive custodian account and other service charges based on a level of assets maintained in the account, and the asset level or other conditions for a fee waiver may be higher or lower than those required by other custodians. Furthermore, a OnePoint BFG Advisor, at the Advisor’s sole discretion, may pay any custodial fees or other charges. Proprietary Investment Strategies Fees: As is the case with allocations to third-party investment management strategies, OnePoint BFG’s wrap fee is separate and apart from fees related to any allocations to a OnePoint BFG proprietary investment strategy (as described in Item 6). The investment management fees (asset-based) charged on Global Macro, Target Income, and Benestar range from 0.35% to 0.5625%, depending on the strategy and as established by OnePoint BFG. The OnePoint BFG UMA fee is a weighted average sum (total) of the fees charged for each strategist model. OnePoint BFG’s written advisory agreement, requiring the client’s affirmative consent prior to allocating client assets to any of OnePoint BFG’s proprietary investment strategies, outlines the specific investment management fees that the client will incur when participating in any OnePoint BFG proprietary investment strategy. In addition to the advisory fee charged by your advisor, OnePoint BFG will receive a management fee for the proprietary programs as well as an additional management fee for the UMA. This presents a conflict of interest in recommending proprietary programs to increase the total fees charged by OnePoint BFG on the same assets. To mitigate this conflict, OnePoint BFG’s Advisors as fiduciaries are required to act in the best interest of the client ahead of their own best interests. With OnePoint BFG’s proprietary investment strategies inside OnePoint BFG’s UMA, a conflict creates an incentive for OnePoint BFG and its Advisors to recommend these strategies for OnePoint BFG to collect portions of the investment advisory fees, investment management fees, and the UMA fee. 9 March 31, 2026  Fee Calculation: OnePoint BFG’s wrap fee is billed quarterly in advance. The valuation of the account, upon which OnePoint BFG’s wrap fee is calculated, is based on the values as assessed by the custodian on the last business day of the calendar quarter (e.g., December 31, March 31, June 30, and September 30) and collected in the following month (e.g., January, April, July, and October). Note: At LPL, a OnePoint BFG Advisor may, at the Advisor’s sole discretion, choose a different billing cycle (e.g., February, May, August, November or March, June, September, December); however, OnePoint BFG’s investment advisory fee will still be calculated using the last valuation date in the 3-month period and billed in advance. The annual wrap fee is not charged on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an advisory client. OnePoint BFG calculates asset-based fees on assets placed under its management, including cash, cash equivalents and/or money market funds. Depending on the client’s investment objective and/or strategy, these cash balances could be relatively high and represent a material portion of the overall account. Clients should understand that the asset-based fees charged on these balances may exceed the returns provided by cash, cash equivalents or money market funds, especially in low interest rate environments. Clients should discuss the use of cash, cash equivalents and/or money market funds with the Advisor. Fee Payment: Generally, clients elect to have OnePoint BFG’s wrap fee deducted from the client’s custodial account(s). Both OnePoint BFG’s written investment advisory agreement and the custodial agreement(s) authorize the custodian(s) to debit the account(s) for the amount of OnePoint BFG’s wrap fee and to directly remit that fee to OnePoint BFG. Both the qualified custodian and OnePoint BFG have the right to cover their fees in a client account. If cash is not available in the account, the qualified custodian or OnePoint BFG can sell securities at their own discretion to cover their fees. Fee and Cost Differentials: As indicated above, OnePoint BFG prices its services based upon various objective and subjective factors. As a result, OnePoint BFG’s clients will pay diverse investment advisory fees based, among other things, upon the complexity of the engagement, and the level and scope of the overall investment advisory and/or consulting services to be rendered by the OnePoint BFG Advisor. Additionally, clients will pay diverse custodial asset-based charge or custodial transaction-based charges, custodial account and service charges, and other investment-specific costs. For example, as previously described, OnePoint BFG participates in several custodian-sponsored programs and services, third-party investment manager programs and TAMPs which charge varying levels of program fees and additional costs. As a result of these factors, the services to be provided by OnePoint BFG and investments recommended to any particular client could be available from other advisors at lower fees or costs. Termination of Advisory Relationship: The written agreement, between OnePoint BFG and the client, will continue in effect until terminated by either party by written notice in accordance with the terms and conditions of the written agreement. Following the receipt of a notice of termination, OnePoint BFG will refund the unearned portion of any advanced wrap fee paid based upon the number of days remaining in the billing period. Held-Away Assets: As further described in Item 6, OnePoint BFG may charge a fee on the client’s held-away assets or separately provide the client with a written invoice. Based on a client’s 10 March 31, 2026  instruction, this fee could be deducted from another account that the OnePoint BFG Advisor manages for the client (held at one of OnePoint BFG’s custodians) or paid directly by the client to OnePoint BFG. The specific fee schedule is established in the OnePoint BFG written advisory agreement. Additionally, if a client elects to engage OnePoint BFG’s discretionary, investment advisory services for held-away assets, the cost of the third-party intermediary’s order management system and OnePoint BFG’s associated administrative cost, both included in OnePoint BFG’s advisory fee, are outlined in the client’s investment advisory agreement. American Funds 529s: The maximum advisory fee for 529 accounts held at American Funds Service Company (“AFS”) is 50bps. 529 accounts that have authorized OnePoint BFG to bill the advisory fee from a related account will follow the standard billing structure referenced above in the Fee Calculation section. Certain 529s have authorized AFS to bill the 529 account directly. These fees will be billed quarterly in arrears. The fees will be calculated by AFS for each quarter period ending the last business day of February, May, August, and November and shall be the product of (i) the rate selected by OnePoint BFG, (ii) the average daily net asset value of the Client’s assets invested in the Funds through the Program during the quarter; divided by, (iii) the number of days in the year multiplied by the number of days in the quarter. AFS will deduct fees from Client accounts to pay OnePoint BFG. If the Client’s assets in a fund account in the program are fully redeemed prior to the quarter end, then the Client’s average daily net asset value of the fund account will be equal to the Client’s average daily net asset value through the day prior to the total redemption. Item 5. Account Requirements and Types of Clients This information consists of Item 7 of OnePoint BFG’s Form ADV Part 2A (“Brochure”): OnePoint BFG’s clients generally include: • Individuals (both high-net-worth (i.e., clients with a net worth of $2 million) and other than high-net-worth) • Pension and profits sharing plans and other qualified plans • Trusts, estates, or charitable organizations • Corporations and other business entities OnePoint BFG generally does not require an annual minimum fee or minimum asset level for investment advisory services. Certain investment programs or investment products require annual minimum fees or minimum asset levels for participation. Clients should thoroughly review disclosure materials or relevant Form ADV Part 2A brochures and consult with their Advisor about the implications of such minimum requirements before investing in such programs or products. Item 6. Portfolio Manager Selection and Evaluation 11 March 31, 2026  This information consists of Items 4A, 4C, 4D, 4E, 4F, 6, 8A, and 17 of OnePoint BFG’s Form ADV Part 2A (“Brochure”): Prior to engaging OnePoint BFG to provide investment advisory services, including wealth management, each client will be required to enter into OnePoint BFG’s written investment advisory agreement setting forth the terms and conditions under which OnePoint BFG will manage the client’s assets, including client specific fee and expense information. A client will also be required to enter into a separate custodial agreement with each designated custodian. Most clients engage OnePoint BFG on a discretionary basis, which means the Advisor will make investment decisions without the client’s prior authorization. Clients that determine to engage OnePoint BFG on a non-discretionary investment advisory basis must be willing to accept that OnePoint BFG cannot affect any account transactions without obtaining the client’s prior consent. Thus, in the event of a market correction during which the client is unavailable, OnePoint BFG will be unable to affect any account transactions (as it would for its discretionary investment advisory clients) without first obtaining the client’s verbal consent. Typically, for investment advisory services including wealth management, OnePoint BFG will charge a “wrapped” investment advisory fee based on a percentage of the assets to be managed, also known as an asset-based fee (unless other services and/or fee structure have been negotiated by the client and the OnePoint BFG Advisor). OnePoint BFG also offers a non-wrap investment advisory fee. The difference between a wrap fee and a non-wrap fee is whether OnePoint BFG or the client pay for, as applicable, a custodial asset-based charge or custodial transaction-based charges. For more information on fees, including conflicts of interest, see Item 4. Held-Away Assets: Upon request, OnePoint BFG will provide investment advisory services on client assets “held-away” at other custodians, administrators or product providers on a discretionary or non-discretionary basis. Non-discretionary, investment advisory services related to held-away assets generally applies to retirement accounts, such as 401(k)s and 403(b)s, and other client accounts where OnePoint BFG is providing very limited services. In this regard, investment selection is generally limited to the investment options approved by the plan administrator or product provider. Because of this, OnePoint BFG’s investment advisory services to held-away accounts are limited to those available investment options and may be subject to other service limitations, as disclosed to the client in a separate written agreement. If a client elects to engage OnePoint BFG’s discretionary, investment advisory services for held- away assets, OnePoint BFG may use a third-party intermediary’s order management system to facilitate trading activities. Under this arrangement, the client will be required to enter a user- agreement with the third-party, detailing the arrangement. For additional information regarding costs and potential conflicts of interest, see Item 4. Custodian-Sponsored Advisory Programs and Services 12 March 31, 2026  As part of these custodian-sponsored advisory programs and consistent with how OnePoint BFG provides investment advisory services to all of its clients, the Advisor typically obtains the necessary financial data from the client, assists the client in determining the suitability of the program, assists the client in setting an appropriate investment objective and risk tolerance parameters and assists the client in opening an account or accounts. In addition, depending on the type of program, the Advisor may assist the client to select a model portfolio of securities or select a portfolio management firm to provide discretionary asset management services. Below is a brief description of some of the custodian-sponsored advisory programs and services available through OnePoint BFG. Under some custodian-sponsored advisory programs, the custodian is responsible for completing due diligence on the portfolio manager(s); in other custodian-sponsored advisory programs, OnePoint BFG is responsible for conducting such due diligence. For more information regarding these programs and services, including additional information on the due diligence responsibilities, fees that are applicable, the types of investments available in the programs and the potential conflicts of interest presented by the programs, please refer to the information provided by the Advisor, including, but not limited to, the applicable custodian’s Form ADV Part 2A brochure or the applicable program’s Form ADV Part 2A brochure and applicable agreement(s). LPL Sponsored Advisory Programs OnePoint BFG provides advisory services to clients through certain programs sponsored by LPL, including, but not limited to: • Optimum Market Portfolios Class I Shares Program (“OMP”) – OMP is a professionally managed asset allocation program using Optimum Funds Class I shares. Under OMP, the client authorizes LPL on a discretionary basis to purchase and sell Optimum Funds pursuant to investment objectives chosen by the client. OnePoint BFG will assist the client in determining the suitability of OMP for the client and assist the client in setting an appropriate investment objective. OnePoint BFG will have discretion to select a mutual fund asset allocation portfolio designed by LPL consistent with the client’s investment objectives. LPL will have discretion to purchase and sell Optimum Funds Class I shares pursuant to the portfolio selected for the client. LPL will also have authority to rebalance the account. LPL sets a minimum account size (dollar value) for OMP and changing account balances and minimum requirements may affect whether this program is appropriate for a particular client and may affect the fees charged. • Model Wealth Portfolios Program (“MWP”) – MWP is a professionally managed mutual fund asset allocation program. OnePoint BFG will obtain the necessary financial data from the client, assist the client in determining the suitability of the MWP program and assist the client in setting an appropriate investment objective. OnePoint BFG will initiate the steps necessary to open an MWP account and will have discretion to select a model portfolio designed by LPL’s Research Department consistent with the client’s stated investment objectives. LPL’s Research Department is responsible for selecting the mutual funds within a model portfolio and for making changes to the mutual funds selected. The client will authorize LPL to act on a discretionary basis to purchase and sell 13 March 31, 2026  mutual funds (including in certain circumstances exchange traded funds) and to liquidate previously purchased securities. The client will also authorize LPL to affect rebalancing for MWP accounts. The MWP Program also offers model portfolios designed by strategists other than LPL’s Research Department. OnePoint BFG can choose among the available models designed by LPL and outside strategists. LPL sets a minimum account size (dollar value) for MWP and changing account balances and minimum requirements may affect whether this program is appropriate for a particular client and may affect the fee charged. • Manager Access Select Program (“MAS”) – MAS provides clients access to the investment advisory services of professional portfolio management firms for the individual management of client accounts. OnePoint BFG will assist clients in identifying a third-party portfolio manager (each a “Portfolio Manager”) from a list of Portfolio Managers made available by LPL. The Portfolio Manager manages the client’s assets on a discretionary basis. OnePoint BFG will provide initial and ongoing assistance regarding the Portfolio Manager selection process. LPL and Portfolio Managers set a minimum account size (dollar value) for MAS and changing account balances and minimum requirements may affect whether this program is appropriate for a particular client and may affect the fee charged. • Managed Accessed Network (“MAN”) – MAN provides clients access to the investment advisory services of professional portfolio management firms for the individual management of client accounts. OnePoint BFG will assist clients in identifying a third- party portfolio manager (each a “Portfolio Manager”) from a list of Portfolio Managers made available by LPL. The Portfolio Manager manages the client’s assets on a discretionary basis. OnePoint BFG will provide initial and ongoing assistance regarding the Portfolio Manager selection process. LPL and the Portfolio Managers set a minimum account size (dollar value) for MAN and changing account balances and minimum requirements may affect whether this program is appropriate for a particular client and may affect the fee charged. i. Schwab Sponsored Advisory Programs OnePoint BFG provides advisory services to clients through certain programs sponsored by Schwab, including, but not limited to: • Managed Account Marketplace – The Managed Account Marketplace platform is a “dual-contract” structure in which the Advisor negotiates directly with the third-party investment manager of the Advisor’s choosing and the client benefits from the brokerage and custody services of Schwab. This platform permits the Advisor to use third-party money managers of the Advisor’s choosing and negotiate any arrangements with the managers directly. • Managed Account Select – Managed Account Select (“Select”) is the most comprehensive managed account program at Schwab, with access to research and ongoing due diligence of money managers and strategies provided by Schwab’s 14 March 31, 2026  investment advisory group. Features and benefits of Select, include, but are not limited to, a “single contract” structure, low account minimums, bundled fees and research. • Managed Account Access – The Managed Account Access Program (“Access”) is a “single contract” structure that allows the Advisor to work with an array of money managers. Other features and benefits include, but are not limited to, low account minimums, bundled fees and access to over 75 managers on this platform. ii. Fidelity Sponsored Advisory Programs OnePoint BFG provides advisory services to clients through certain programs sponsored by Fidelity, including, but not limited to: • Fidelity Separate Account Network® (“SAN”) program – The SAN Program enables OnePoint BFG and its Advisors to build separately managed account portfolios from a Fidelity network of managers to meet client needs which will be managed by designated SAN Managers on a discretionary basis. The minimum investment required by each individual SAN Manager must be met to participate with that respective SAN Manager in this program. Some managers in the SAN program may require an additional agreement directly with the client in addition to OnePoint BFG’s written advisory agreement. OnePoint BFG and the client together determine which SAN Manager to engage. iii. PAS Managed Account Infrastructure PAS offers OnePoint BFG the ability to utilize the PAS managed account infrastructure to assist OnePoint BFG in meeting the investment objectives of its clients. A managed account is an investment account where the Advisor selects and creates a portfolio or utilizes a model portfolio developed by PAS. Third-Party Investment Managers OnePoint BFG and its Advisors recommend and/or select third-party investment managers to handle all or a portion of the asset management process. These third-party investment managers, sometimes referred to as sub-advisors or third-party asset managers, may be selected directly by OnePoint BFG Advisors or available to OnePoint BFG through a custodian-sponsored program. Certain sub-advisory arrangements require the client engage the third-party investment manager directly and OnePoint BFG will help facilitate that arrangement. Under this scenario the client will enter into a separate, written agreement with the third-party investment manager, detailing the fees and expenses that the client will pay to such third-party investment manager. Turnkey Asset Management Platforms (“TAMPs”) OnePoint BFG and its Advisors recommend and/or select Turnkey Asset Management Platforms (“TAMPs”) to handle all or a portion of the asset management process. TAMPs typically include technology, investment research, portfolio management and other outsourcing services. TAMPs 15 March 31, 2026  generally provide services that enable the Advisors to integrate multiple providers, programs, products, and custodians. OnePoint BFG currently offers advisory services through TAMPs sponsored by, among others: Brinker/Orion and Simplicity Solutions, LLC. OnePoint BFG may offer the advisory services of other TAMPs in the future. For more information regarding these programs, including additional information on the advisory services and fees that are applicable, the types of investments available in the programs and the potential conflicts of interest presented by the programs, please refer to the information provided by the Advisor, including, but not limited to, the applicable TAMP sponsor’s Form ADV Part 2A brochure or the applicable program’s Form ADV Part 2A brochure and applicable agreement(s). Proprietary Investment Strategies OnePoint BFG Advisors may allocate client investable assets within one or more of the following proprietary investment strategies: • OnePoint BFG Global Macro Strategy (“Global Macro”) - Global Macro is a diversified investment strategy that utilizes a macro, top-down fundamental view alongside a research selection process. The strategy is invested mostly in equities and fixed income securities but also can hold positions in commodity ETFs and has some non-dollar exposure via international holdings of stocks and bonds. The equity portion focuses on among other things, competitive advantages, cash flow, and dividends/returns. Fixed income takes into account views on interest rates, monetary policy, credit risks and foreign exchange. • OnePoint BFG Target Income Portfolio Strategy (“Target Income”) - The Target Income strategy is a thematic macro investment strategy with a sole focus on dividend paying securities and interest coupon paying bonds. Exposures in the strategy include companies that in OnePoint BFG’s view have strong competitive advantages, strong free cash flow and high returns on equity. • OnePoint BFG Benestar Investment Strategy (“Benestar”) – The Benestar strategy invests in a portfolio of innovative growth companies and multi-year earnings compounders across the vast, diverse and dynamic Healthcare, Life Sciences, and Wellness sectors. Levered to powerful demographic tailwinds and durable secular growth dynamics, while offering defensive resilience and attractive valuation attributes, Benestar views these sectors as entering a period in which long-term value creation will be increasingly shaped by explicit policy frameworks, evidence-based economics, and the scalable deployment of innovation. Benestar’s investment approach integrates deep industry expertise, intensive bottom-up fundamental research, and a comprehensive understanding of the health policy, legislative, and regulatory landscape. The strategy is designed to generate excess risk-adjusted returns over time by concentrating capital in businesses with sustainable competitive advantages, asymmetric risk-reward profiles, and structural alignment with evolving drivers of long-term value creation, while actively managing risk across market cycles. 16 March 31, 2026  • OnePoint BFG Managed Asset Program (“BMAP”) – BMAP is a OnePoint BFG proprietary investment model program that utilizes low cost-efficient access to the market through ETFs with over 10,000 underlying stocks and bonds. Allocations under BMAP are monitored daily if investments drift outside of tolerance bands set by OnePoint BFG and are adjusted on a daily basis if necessary. • OnePoint BFG Firm Model Program (“BFMP”) – BFMP is a OnePoint BFG proprietary investment model program that utilizes a blend of actively and passively managed mutual funds, offering a diversified portfolio with over 10,000 underlying stocks and bonds. Allocations under BFMP are monitored weekly if investments drift outside of tolerance bands set by OnePoint BFG and are adjusted on a weekly basis if necessary. • OnePoint BFG Unified Managed Account Program (“UMA”) – UMA is a OnePoint BFG proprietary investment model program which utilizes sleeves of any (or all) of the OnePoint BFG Proprietary Strategy Models, as well as certain third-party strategies offered through the Orion Portfolio Solutions, LLC Communities Platform. Allocations are monitored using a systematic process of coordinating investment transactions across the Strategist Model(s) within the UMA, and will be rebalanced as needed to maintain the chosen investment allocation strategy. As these are OnePoint BFG’s proprietary investment strategies, a client investment creates a conflict of interest. OnePoint BFG’s proprietary investment strategies are developed by OnePoint BFG and managed by OnePoint BFG’s portfolio managers, which creates conflicts of interest. Specifically, the more assets held within OnePoint BFG’s proprietary investment strategies, the more money OnePoint BFG (as a firm) makes. While the investment management fees charged on Global Macro, Target Income, and Benestar are paid directly to OnePoint BFG, a material share of that internal management fee is paid to the respective OnePoint BFG portfolio managers for security selection and services relative to the proprietary investment strategies. Certain OnePoint BFG portfolio managers also serve as OnePoint BFG Advisors. This conflict of interest creates a further incentive for a OnePoint BFG Advisor (also serving as a portfolio manager to a OnePoint BFG proprietary strategy) to recommend and/or utilize one of these proprietary investment strategies versus other similar, non-affiliated investment strategies. OnePoint BFG discloses this conflict of interest to the client within OnePoint BFG’s written advisory agreement, requiring the client’s affirmative consent prior to allocating the client’s assets to any of OnePoint BFG’s proprietary investment strategies. In addition to the advisory fee charged by your advisor, OnePoint BFG will receive a management fee for the proprietary programs as well as an additional management fee for the UMA. This presents a conflict of interest in recommending proprietary programs to increase the total fees charged by OnePoint BFG on the same assets. To mitigate this conflict, OnePoint BFG’s Advisors as fiduciaries are required to act in the best interest of the client ahead of their own best interests. OnePoint BFG’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above conflicts of interest, or any information outlined in this Wrap Fee Program Brochure. 17 March 31, 2026  Performance-Based Fees and Side-by-Side Management OnePoint BFG does not charge its clients performance-based fees. Performance-based fees are based on a share of capital gains on or capital appreciation of the assets. Methods of Analysis and Investment Risks OnePoint BFG’s Advisors use a variety of methods of analysis, such as: • Economic analysis. Economic analysis generally involves studying various factors in an economy, including macro-economic factors (such as interest rates, inflation, and growth) and micro-economic factors (such as market share, supply, and consumer demands) specific to a particular industry, sector, or company. • Fundamental analysis. Fundamental analysis generally involves assessing a company’s or security’s value based on factors such as sales, assets, markets, management, products and services, earnings and financial structure. Fundamental analysis does not attempt to anticipate market movements. This presents a potential risk, as the price of a security can move up or down along with the overall market regardless of the economic and financial factors considered in evaluating the security. • 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. Technical analysis does not consider the underlying financial condition of an issuer. This presents the risk that a poorly managed or financially unsound issuer underperform regardless of market conditions. The Advisors’ investment strategies are based on the client’s specific situation, including designated investment objectives and risk tolerances. Investment activities involve a significant degree of risk. The performance of any investment is subject to numerous factors which are neither within the control of, nor predictable by OnePoint BFG. Such factors include a wide range of economic, political, competitive, technological and other conditions (including acts of terrorism and war or regional/global pandemic) that affect investments in general or in specific industries or companies. The investment decisions made, and the actions taken in managing client assets will be subject to various market, liquidity, currency, economic, political and other risks. Investing in securities involves a risk of loss that clients should be prepared to bear. The investment performance and the success of any investment strategy or particular investment can never be predicted or guaranteed, and the value of a client’s investments will fluctuate due to market conditions and other factors. Investments may lose value and past performance is never a guarantee of future results. 18 March 31, 2026  The information contained in this Wrap Fee Program Brochure cannot disclose every potential risk associated with an investment strategy, nor all of the risks applicable to a particular manager, security or investment. Risks vary by client according to their investment objectives, guidelines, liquidity needs or risk tolerances and not every strategy or portfolio will be exposed to each of the risks described in this Wrap Fee Program Brochure. This list is not intended to be exhaustive of all of the risks associated with investing in strategies or securities that are utilized or recommended by OnePoint BFG. Rather, it is a general description of the nature and risks of the investment advisory services provided by OnePoint BFG and the related investments. Please refer to Item 8 of OnePoint BFG’s Form ADV Part 2A Brochure for additional information on risks. Voting Client Securities OnePoint BFG does not vote client proxies, except exclusively in the case of the OnePoint BFG UMA strategy. Clients maintain exclusive responsibility for: (1) directing the manner in which proxies solicited by issuers of securities beneficially owned by the client will be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. Generally, clients will receive proxy materials directly from the applicable custodian(s) or issuer’s proxy agent and should direct any questions as instructed in the specific proxy matter. OnePoint BFG does not provide legal advice or represent or facilitate class action claims or participate in other similar legal proceedings on behalf of clients. Furthermore, OnePoint BFG and its Advisors do not instruct or give advice as to whether or not a client should participate as a member of a class action lawsuit or participate in other legal proceedings and will not file claims on behalf of its clients. The responsibility and authority for responding to class actions and other legal proceedings rests solely with the registered shareholder (e.g., client) or legally appointed agent (e.g., custodian) of the client or the client’s attorney. As it pertains to proxy voting matters, class action claims, and other similar legal proceedings, OnePoint BFG and its Advisors retain no authority, through the investment advisory relationship, and therefore have no responsibility for reviewing any proxy materials, corporate action materials, prospectuses and/or other offering documents and any other related information related to such except as it pertains to the OnePoint BFG UMA. Specifically, within the OnePoint BFG UMA, clients will delegate the voting of proxies and class action claims to OnePoint BFG, which will utilize Broadridge Financials’ ProxyEdge platform to facilitate voting. This means that for most votes, clients will be voting with the money managers at the largest mutual funds. If there is ever a stock that is not covered by Broadridge’s ProxyEdge service, the analysts at OnePoint BFG will research the specific proxy and will vote in what is deemed to be in the clients’ best economic interest. If one of the managers listed in Schedule 1 of the UMA agreement wants to act on a corporate action, OnePoint BFG will exist with the execution. Clients should be aware that some third-party investment managers and/or TAMPs retain the authority to vote proxies client securities. For more information about the practices of a third- party investment manager or TAMP, clients should refer to the information provided by the 19 March 31, 2026  Advisor, including, but not limited to, the applicable third-party investment manager’s Form ADV Part 2A brochure or the applicable program’s Form ADV Part 2A brochure and applicable agreement(s). Item 7. Client Information Provided to Portfolio Managers OnePoint BFG Advisors allocate each client's investment assets consistent with the client’s designated investment objectives and risk tolerances. Clients may, at any time, impose restrictions, in writing, on OnePoint BFG's services. OnePoint BFG and its Advisors will be in periodic contact with clients to discuss clients' investments, investment objectives and risk tolerances. To the extent OnePoint BFG utilizes custodian-sponsored programs and services, third-party investment manager programs or Turnkey Asset Management Platforms (“TAMPs”), OnePoint BFG will provide such investment manager each client’s information regarding their financial situation, investment objectives, risk tolerance, time horizon and other relevant factors to enable that investment manager to provide investment advisory services specific to the client’s needs. Please Note: Each client is responsible for promptly notifying OnePoint BFG of any change in financial situation or investment objectives. Item 8. Client Contact with Portfolio Managers A client’s primary contact is with an Advisor and the client has, without restriction, reasonable access to OnePoint BFG’s Advisor who is providing the investment advisory services for the client’s account. To the extent OnePoint BFG utilizes custodian-sponsored programs and services, third-party investment manager programs or Turnkey Asset Management Platforms (“TAMPs”), representatives from those entities are not generally available to discuss client-specific investment issues. Item 9. Additional Information This information consists of Items 9 and 10 of OnePoint BFG’s Form ADV Part 2A (“Brochure”): Disciplinary Information: Registered investment advisers are required to provide information about any disciplinary information that would be material to a client’s evaluation of OnePoint BFG or the integrity of its management. For more information, the client should refer to the Advisor’s Form ADV Part 2B Brochure Supplement. If the client did not receive the Advisor’s Form ADV Part 2B Brochure Supplement, the client should contact OnePoint BFG’s Chief Compliance Officer using the information on the cover page of this Wrap Fee Program Brochure. OnePoint BFG’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above or any information outlined in this Wrap Fee Program Brochure. 20 March 31, 2026  OnePoint BFG does not have any legal or disciplinary information to disclose. Other Financial Industry Activities and Affiliations: Clients should review the Advisor’s Form ADV Part 2B Brochure Supplement to determine whether the client’s Advisor is engaged in any of the activities described below that may create a conflict of interest. If the client did not receive the Advisor’s Form ADV Part 2B Brochure Supplement, the client may contact OnePoint BFG’s Chief Compliance Officer using the information on the cover page of this Wrap Fee Program Brochure. OnePoint BFG’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above conflicts of interest, or any information outlined in this Wrap Fee Program Brochure. Dually Registered Persons. Certain of OnePoint BFG’s Advisors are also registered with Purshe Kaplan Sterling Investments (“PKS”) as broker-dealer registered representatives (“dually registered persons”). PKS is independently owned and operated and is not affiliated with OnePoint BFG. Clients may choose to engage OnePoint BFG’s Advisors in their individual capacities as registered representatives of PKS and to implement investment recommendations on a commission basis. Please refer to Item 12 of OnePoint BFG’s Form ADV Part 2A Brochure for a discussion of the benefits that dually registered persons may receive from PKS and the conflicts of interest associated with the receipt of such benefits. OnePoint BFG’s Proprietary Investment Strategies. OnePoint BFG’s proprietary investment strategies are developed by OnePoint BFG and managed by OnePoint BFG’s portfolio managers, which creates conflicts of interest. Specifically, the more assets held within OnePoint BFG’s proprietary investment strategies, the more money OnePoint BFG (as a firm) makes. While the investment management fees charged on Global Macro, Target Income, and Benestar are paid directly to OnePoint BFG, a material share of that internal management fee is paid to the respective OnePoint BFG portfolio managers for security selection and services relative to the proprietary investment strategies. Certain OnePoint BFG portfolio managers also serve as OnePoint BFG Advisors. This conflict of interest creates a further incentive for a OnePoint BFG Advisor (also serving as a portfolio manager to a OnePoint BFG proprietary strategy) to recommend and/or utilize one of these proprietary investment strategies versus other similar, non-affiliated investment strategies. OnePoint BFG discloses this conflict of interest to the client within OnePoint BFG’s written advisory agreement, requiring the client’s affirmative consent prior to allocating the client’s assets to any of OnePoint BFG’s proprietary investment strategies. Please refer to Item 8 of OnePoint BFG’s Form ADV Part 2A Brochure for additional information on risk. Licensed Insurance Agents. Certain of OnePoint BFG’s supervised persons, in their individual capacities, are licensed insurance agents, and recommend the purchase of certain insurance-related products on a commission basis. As referenced in Item 4 above, clients can engage certain of OnePoint BFG’s Advisors to purchase insurance products on a commission basis. The recommendation by OnePoint BFG’s Advisors that a client purchase an insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on 21 March 31, 2026  commissions received, rather than on a particular client’s need. Furthermore, some of OnePoint BFG’s supervised persons, in their individual capacities, have offered and sold life insurance or other insurance products through OnePoint BFG’s affiliate (as discussed below) or another insurance agency. Some of OnePoint BFG’s supervised persons, in their individual capacities, will offer and sell life insurance or other insurance products through another insurance agency. Additionally, some of OnePoint BFG supervised persons, in their individual capacities, refer clients to other insurance agents and receive commissions through a commission-sharing arrangement. As a result, OnePoint BFG’s Advisors may be incentivized to recommend one insurance agency over another. Clients are not under any obligation to purchase any insurance commission products from OnePoint BFG’s supervised persons or Advisors. Clients may purchase insurance products recommended by OnePoint BFG’s Advisors through other insurance agents. Affiliated Insurance Agency. OnePoint BFG is affiliated through common ownership with an insurance agency, Bleakley, Schwartz, Cooney & Finney, LLC (“BSCF”). BSCF is authorized under the insurance laws of one or more states or other jurisdictions to solicit, sell, negotiate and service insurance products. BSCF has an insurance products distribution agreement with Mass Mutual Life Insurance Company. OnePoint BFG’s affiliation with BSCF creates a conflict of interest, as OnePoint BFG or its Advisors are incentivized to recommend BSCF versus other similar, non-affiliated insurance agencies. Clients are not under any obligation to purchase or sell any insurance products and may purchase or sell insurance products recommended by OnePoint BFG’s Advisors through other, non-affiliated insurance agencies. Certain New Client Relationships. A client’s primary contact is with an Advisor. The Advisor may have recruited the client while the Advisor was affiliated with a previous broker-dealer or investment adviser. When a client transfers or moves their account(s) to OnePoint BFG, OnePoint BFG may be limited in its ability to negotiate (or re-negotiate) fees and costs on behalf of the client. All clients when onboarding with OnePoint BFG will receive information and sign agreements that provide details on the fees and charges specific to each client’s account with OnePoint BFG. Tax Services: OnePoint BFG has entered into separate agreements with certain vendors to provide tax, accounting and consulting services (collectively, “tax services”) to OnePoint BFG, its affiliate (BSCF) and some OnePoint BFG Advisors. These agreements also allow OnePoint BFG Advisors to offer OnePoint BFG clients tax preparation services performed by these vendors. In some instances, OnePoint BFG includes the tax preparation services fee in its investment advisory services fee and directly pays a vendor, as applicable, for the tax preparation services performed for the client. In all other circumstances, these vendors, as applicable, will bill the client directly for the tax preparation services performed for the client. This is a service of convenience and neither OnePoint BFG nor its Advisors receive any economic benefit from the vendors under these agreements. One vendor does, however, rent office space directly from OnePoint BFG under a separate agreement. 22 March 31, 2026  Estate Planning Services: OnePoint BFG has entered into an agreement with a vendor to provide estate planning and legal services (collectively, “estate planning services”) to OnePoint BFG and some OnePoint BFG Advisors. The vendor will prepare summary reviews for a OnePoint BFG Advisor that will outline what is stated in the estate planning documents provided by a client to OnePoint BFG. The vendor may make suggestions when there are obvious errors in existing documents, point out possible issues with existing documents (such as a contradiction in terms) and make due diligence recommendations (such as review of client’s beneficiary designations or titling of assets). This review may include some analysis and comments from the vendor regarding key takeaways that will be reviewed with OnePoint BFG Advisors should any questions arise. The vendor will not engage directly with any OnePoint BFG Clients regarding legal services provided to OnePoint BFG as part of these services. This is a service of convenience and neither OnePoint BFG nor its Advisors receive any economic benefit from the vendor under this agreement. The vendor will not be representing any clients under this service. OnePoint BFG is the vendor’s client. Clients should discuss any takeaways with their own legal and tax experts. Hexaware Technologies Limited (“Hexaware”): OnePoint BFG has entered into an agreement with Hexaware for the provisions of certain services, resources, and deliverables to OnePoint BFG by Hexaware from its facilities in the United States and/or Mumbai, India. These tasks include, but are not limited to, financial planning, client services, data entry, client billing, investment review, and account trade(s). All services provided by Hexaware constitute administrative and operational support functions performed under the direct supervision of OnePoint BFG Wealth Partners’ US -based personnel. All investment advisory activities, client communications, and investment activities are performed by OnePoint BFG Wealth Partners registered personnel in the United States. Hexaware personnel do not provide investment advice, make investment recommendations, or have client contact. Other Recommended Service Professionals: To the extent requested by a client, OnePoint BFG will recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, insurance, trust services, mortgages, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from OnePoint BFG in this regard. Please Note: If the client engages any such recommended professional as set forth above, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. In addition, the client should perform their own due diligence on any recommended professional. This information consists of Items 11, 13, 14 and 18 of OnePoint BFG’s Form ADV Part 2A (“Brochure”): Code of Ethics, Participation or Interest in Client Transactions and Personal Trading: OnePoint BFG maintains an investment policy relative to personal securities transactions. This investment policy is part of OnePoint BFG’s overall Code of Ethics, which serves to establish a 23 March 31, 2026  standard of business conduct for OnePoint BFG’s Advisors that is based upon fundamental principles of openness, integrity, honesty and trust. A copy of OnePoint BFG’s Code of Ethics is available upon request by contacting OnePoint BFG’s General Counsel using the information on the cover page of this Wrap Fee Program Brochure. OnePoint BFG has policies and procedures in place for: the protection of personal and confidential information; the prevention of insider trading; gifts and entertainment; contributions to elected public officials and personal securities trading practices. In accordance with Section 204A of the Investment Advisers Act of 1940, as amended (the “Advisers Act”), OnePoint BFG also maintains and enforces written policies reasonably designed to prevent the misuse of material non-public information by OnePoint BFG or any person associated with OnePoint BFG. The following includes a brief description of certain aspects of OnePoint BFG’s Code of Ethics. A. Neither OnePoint BFG nor any related person of OnePoint BFG recommends, purchases, or sells for client accounts, securities in which OnePoint BFG or any related person of OnePoint BFG has a material financial interest. B. OnePoint BFG and its Advisors may purchase or sell securities that are also recommended to clients. This practice may create a situation where OnePoint BFG and its Advisors are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a potential conflict of interest. Practices such as “scalping” (i.e., a practice whereby the owner of shares of a security recommends that security for investment and then immediately sells it at a profit upon the rise in the market price which follows the recommendation) could take place if OnePoint BFG did not have adequate policies in place to detect such activities. In addition, these procedures are designed to help detect insider trading, “front-running” (i.e., personal trades executed prior to those of OnePoint BFG’s clients) and other potentially abusive practices. C. OnePoint BFG has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of OnePoint BFG’s “Access Persons;” that is persons who have access to the firm’s nonpublic information. OnePoint BFG’s securities transaction policy requires that OnePoint BFG Access Persons provide the Chief Compliance Officer with a written report of their current securities holdings as part of the process of becoming an Access Person. Additionally, each Access Person provides the Chief Compliance Officer with a written or electronic report of the Access Person’s current securities holdings at least once each twelve (12) month period thereafter on a date OnePoint BFG selects. D. OnePoint BFG and its Advisors may purchase or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where OnePoint BFG and its Advisors are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a potential conflict of interest. As indicated above, OnePoint BFG has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each OnePoint BFG Access Person. 24 March 31, 2026  E. OnePoint BFG does not engage in principal or agency cross transactions for any client account. OnePoint BFG does not cross trade between any client accounts. Review of Accounts: OnePoint BFG’s Advisors review client accounts on an ongoing basis; however, there is no ongoing review for limited scope engagements, such as creating a financial plan or consulting services. OnePoint BFG and/or its Advisors conduct account reviews on an annual or other-than-periodic basis upon the occurrence of a triggering event, such as a change in client investment objectives and/or financial situation, a market correction or material market event or otherwise by client request. Additionally, all clients are encouraged to review financial planning issues (to the extent applicable), investment objectives and account performance with the Advisor on at least an annual basis. These annual or other-than-periodic reviews are conducted in person, by phone or via video conference (e.g., via Zoom). Clients are provided written transaction confirmations and account statements directly from the qualified custodian at least quarterly that will be sent to the email or postal mailing address client provided to the qualified custoidan. OnePoint BFG may provide written periodic reports summarizing account activities and performance. Clients are urged to compare any report provided by OnePoint BFG with the confirmations and statements received from the custodian. The custodial statement is the official record of the account. Please Note: Each client is responsible for promptly notifying OnePoint BFG of any change in financial situation or investment objectives. Client Referrals and Other Compensation: If a client is introduced to OnePoint BFG by a promoter, OnePoint BFG may pay that promoter a referral fee in accordance with the Advisers Act, and any corresponding state securities law requirements. Any such referral fee will be paid solely from OnePoint BFG’s investment advisory fee and will not result in any additional charge to the client. If the client is introduced to OnePoint BFG by an unaffiliated promoter, the promoter, at the time of the solicitation, will disclose the nature of the promoter relationship, and will provide each prospective client with a copy of OnePoint BFG’s written disclosure document and with a copy of the written disclosure statement disclosing the terms of the solicitation arrangement between OnePoint BFG and the promoter, including the compensation to be received by the promoter from OnePoint BFG. If OnePoint BFG introduces a client to another investment adviser or an investment manager, OnePoint BFG may be paid a referral or solicitor fee in accordance with the Advisers Act, and any corresponding state securities law requirements. Any such referral fee will be paid according to a fee disclosure statement provided to the client at the time that the referral is made. When OnePoint BFG is acting as an unaffiliated promoter, OnePoint BFG, at the time of the solicitation, will disclose the nature of its promoter relationship, and will provide each prospective client with a copy of OnePoint BFG’s written disclosure documents and with a copy of a written disclosure statement disclosing the terms of the solicitation arrangement between 25 March 31, 2026  OnePoint BFG and the investment adviser or investment manager, including the compensation to be received by OnePoint BFG. As detailed further in Items 5, 10 and 12 of OnePoint BFG’s Form ADV Part 2A Brochure, OnePoint BFG and its Advisors receive direct and indirect economic or other benefits from the custodians, including research, technology, other benefits, and transition assistance, as the case may be, and product sponsors (e.g., insurance companies, mutual fund companies, sub-advisors, TAMPs or other vendors), as further described below. Furthermore, certain Advisors of OnePoint BFG are also associated with Purshe Kaplan Sterling Investments (“PKS”) as broker- dealer registered representatives (“dually registered persons”). In their individual capacity as registered representatives of PKS, dually registered persons earn commissions for the sale of securities or investment products that the dually registered person recommends to clients. LPL also provides other compensation to OnePoint BFG and its Advisors, including, but not limited to, bonus payments, forgivable and non-forgivable loans and other benefits. This compensation is based, in part, on participation in advisory programs sponsored by LPL and derived from advisory fees paid to LPL. The receipt of any such compensation creates a financial incentive for a OnePoint BFG Advisor to recommend LPL as custodian for the assets in a client’s advisory account and as advisory program sponsor. Clients do not pay more for assets maintained at a qualified custodian as a result of these arrangements. However, OnePoint BFG benefits from these arrangements because the cost of these services would otherwise be borne directly by us. OnePoint BFG encourages clients to discuss any such conflicts of interest with its OnePoint BFG Advisor before making a decision to custody its assets at a qualified custodian. OnePoint BFG, through qualified custodians, receives payment for or reimbursement of the costs associated with education or training events that are hosted by OnePoint BFG and attended by OnePoint BFG Advisors and associated persons. For example, OnePoint BFG receives educational support payments, depending on the anticipated nature and scope of the events, from product sponsors to assist training and educating OnePoint BFG Advisors. Each product sponsor may provide OnePoint BFG up to a maximum of $25,000 per calendar year. Any such support payments are not tied to the sales of any products or client assets in the products. OnePoint BFG Advisors do not directly receive any portion of these payments; however, OnePoint BFG Advisors indirectly benefit from these payments through meals, lodging, events and other items. From time to time, product sponsors pay for client luncheons, educational meetings, customer appreciation events, marketing events or advertising initiatives, including services for identifying prospective clients. This includes third-party speakers that OnePoint BFG or its Advisors do not have to compensate (although OnePoint BFG or its Advisors may also pay consultants to attend these events or other client meetings to offer their expertise). These arrangements may give rise to conflicts of interest, or perceived conflicts of interest in that OnePoint BFG and its Advisors have an incentive to invest client assets in investment products or services managed, sold or offered by such product sponsors that provide these benefits to OnePoint BFG and/or its Advisors. OnePoint BFG’s commitment to its clients and the policies and procedures it has adopted that require the review of such arrangements are designed to limit any interference with OnePoint BFG and its Advisors’ independent decision making when choosing investment products and/or services for clients. 26 March 31, 2026  Artificial Intelligence: OnePoint BFG uses artificial intelligence (“AI”) in our business operations to promote operational efficiency and augment our client service. Currently we do not utilize AI in our investment selection process or to formulate the specific investment advice we render to clients. AI models are highly complex and may result in output that is incomplete or incorrect. Our use of AI includes certain third-party technologies aimed at pushing operational efficiency by, but not limited to, automating meeting notes, assist with client communications, identifying compliance risks, and summarizing and collecting data from internal documents. We believe the use of this technology allows us to reduce administrative time, prepare for client engagement, and improve the overall client experience. All AI generated outputs go through human review at OnePoint BFG prior to dissemination or use. The use of AI poses risks related to the challenges OnePoint BFG faces in properly managing its use. Content generated by AI technologies may be deficient, inaccurate, or biased, and the use of AI tools may lead to errors in decision-making. Use of AI tools could also pose risks related to the protection of clients or proprietary information. Such risks may include the exposure of confidential information to unauthorized recipients, violation of data privacy rights, or other data leakage events. The use of AI may also expose us to litigation risk or regulatory risk. Due to the rapid advancement of machine learning technologies, future risks related to artificial intelligence are unpredictable. The regulatory environment relating to AI is rapidly evolving and could require changes in our adoption and implementation of AI technology in the future. One way we reduce these risks is through human review and editing prior to final use of an AI produced or enhanced document. OnePoint BFG’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above or any information outlined in this Wrap Fee Program Brochure. Financial Information: OnePoint BFG does not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. OnePoint BFG has no financial commitment or condition that is reasonably likely to impair its ability to meet contractual commitments to its clients. OnePoint BFG has not been the subject of a bankruptcy petition at any time. 27 March 31, 2026