Canopy 360 Wealth, LLC

Part 2A of Form ADV: Firm Brochure Form ADV, Part 2A, Item 1 Cover Page Canopy 360 Wealth, LLC 104 SE 1ST AVENUE, SUITE B Ocala, Florida 34471 Tel: (352) 369-1120 Fax: (352) 351-9393 January 23, 2026 FORM ADV PART 2 FIRM BROCHURE This brochure provides information about the qualifications and business practices of Canopy 360 Wealth, LLC. If you have any questions about the contents of this brochure, please contact us at (352) 369-1120. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Canopy 360 Wealth, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. The searchable IARD/CRD number for Canopy 360 Wealth, LLC is 296771. Canopy 360 Wealth, LLC is a Registered Investment Adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 1  Form ADV, Part 2A, Item 2 Material Changes Canopy 360 Wealth, LLC was established as a new Registered Investment Advisor in June 2018 under the Securities and Exchange Commission rules and regulations. Each year we will deliver to you, by no later than April 30th, a free updated brochure that includes or is accompanied by a summary of material changes; or a summary of material changes and an offer to provide a copy of the updated brochure and how to obtain it. This disclosure brochure provides prospective clients with information about Canopy 360 Wealth, LLC that should be considered before, or at the time of, obtaining our advisory services. This brochure is required to be updated at least annually, or sooner when material changes to our business take place. Please retain a copy of this Disclosure Brochure for your records. There have been the following material changes made since the last annual update was filed on February 7, 2025: • None 2  Form ADV, Part 2A, Item 3 Table of Contents Advisory Business…………………………………………………………… ................ 4 Fees and Compensation…………………………………………………….. ............... 5 Performance-Based Fees and Side-By-Side Management……………. ............... 8 Types of Clients………………………………………………………………. ................ 8 Methods of Analysis, Investment Strategies, and Risk of Loss……… ............... 8 Disciplinary Information…………………………………………………….. .............. 10 Other Financial Industry Activities and Affiliations……………………. .............. 10 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading………………………………………………………………………… ............... 11 Brokerage Practices………………………………………………………….. ............. 12 Review of Accounts………………………………………………………….. ............. 13 Client Referrals and Other Compensation……………………………….. ............. 14 Custody………………………………………………………………………… .............. 14 Investment Discretion……………………………………………………….. .............. 15 Voting Client Securities……………………………………………………… ............. 15 Financial Information………………………………………………………… ............. 15 Requirements for State-Registered Advisers…………………………… .............. 16 3  Form ADV Part 2A, Item 4 Advisory Business including, but not limited Canopy 360 Wealth, LLC (hereinafter called “Canopy 360”) is a Registered Investment Adviser based in Ocala, Florida, and incorporated under the laws of the State of Florida. Canopy 360 is owned by Lindsay Financial Services, LLC and Powers Wealth Management, LLC, and those entities are owned by Russell Lindsay, Lance Powers and Jamie Losito. Canopy 360 is registered with the Securities and Exchange Commission and is subject to its rules and regulations. Founded in June 2018, Canopy 360 provides investment advisory services, which may include, but are not limited to, the review of client investment objectives and goals, recommending asset allocation strategies of managed assets among investment products such as cash, stocks, mutual funds and bonds, annuities, and/or preparing written investment strategies. Our investment advice is tailored to meet our clients’ needs and investment objectives. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an acceptable form of notification. Canopy 360 also provides financial planning consulting services to, risk assessment/management, investment planning, estate planning, financial organization, or financial decision making/negotiation. Canopy 360 provides investment advisory and other financial services through its Investment Advisory Representatives ("IAR") to accounts opened with Canopy 360. Managed Accounts are available to individuals and small businesses. Canopy 360 provides discretionary and non-discretionary investment advisory services to some of its clients through various managed accounts. Canopy 360 will assist clients in determining the suitability of the investments within the managed account(s) for the client. The IAR is compensated through a comprehensive single fee and the account may be assessed other charges associated with conducting a brokerage business. Canopy 360 and its IAR, as appropriate, will be responsible for the following: • Performing due diligence • Recommending strategic asset and style allocations • Providing research on investment product options, as needed • Providing client risk profile questionnaire • Obtaining investment advisory contract from client with required financial, risk tolerance, suitability and investment vehicle selection information for each new account • Performing client suitability check on account documentation, review the investment objectives and evaluate the investment vehicle selections • Providing Firm Brochure (this document) 4  Canopy 360, in providing the services agreed upon with the Client, may refer the Client to an unaffiliated Securities and Exchange Commission registered investment adviser (“referred advisor”) to manage all or a portion of the managed assets. The Client will be required to sign an Investment Advisory Agreement of the advisor for which Canopy 360 referred, and this authorizes the referred adviser discretionary trading authority. If this occurs, Canopy 360 will be responsible for the continuing supervision of the Client's account. Client understands that the advisory fees paid to Canopy 360 are included in the advisory fees paid to the referred adviser. Client will also be required to sign a disclosure document stating the portion of the advisory fees paid to the referred advisor and the portion paid to Canopy 360. Canopy 360 may recommend a Wrap Fee Program for the client’s account(s). A “Wrap Fee Program” for purposes of the SEC is a program under which investment advisory and brokerage execution services are provided for a single “wrapped” fee that is not based on the transactions in a client account. Canopy 360 provides discretionary investment advisory services to some of its clients through a Wrap Fee Program. Canopy 360 will assist clients in determining the suitability of the Wrap Fee Program for the client. Wrap Fee Program accounts recommended by Canopy 360 are not managed differently from non-Wrap Fee Program accounts. Because brokerage execution costs are included in the client’s overall advisory fee, the client’s fee may be greater than those that have accounts in non-Wrap Fee Program accounts, however fees will not exceed the fee schedule stated in Canopy 360’s Wrap Fee Brochure. All clients with Wrap Fee Program accounts will be provided with Canopy 360’s Wrap Fee Brochure. This Brochure is focused on non-Wrap Fee Program accounts. As of January 5, 2026, the firm has total client assets under management in the amount of $382,820,511; that includes $323,748,226 in discretionary assets and $59,072,285 in non- discretionary assets. Form ADV, Part 2A, Item 5 Fees and Compensation The following types of fees will be assessed: Asset Management – Fees are charged monthly in advance and are based primarily on asset size and the level of complexity of the services provided. In individual cases, Canopy 360 has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital gains or capital appreciation of the funds or any portion of the funds. Comparable services for lower fees may be available from other sources. Fees for the initial month or quarter will be prorated based upon the number of calendar days in the calendar month or quarter that the advisory agreement is in effect. Fees are based on the market value of the assets on the last business day of the previous month or quarter. Annual fees range from .75% - 3.00% depending on the amount of assets under management (“AUM”) – See chart below. Consulting services are included in these fees for asset management services with the exception of unique circumstances that may require a separate agreement for financial planning services (description and fees are discussed below). If the situation warrants separate financial planning fees, it will be discussed upfront and a separate agreement will be negotiated. 5  Fee Schedule for Asset Management: Total Account Value Maximum Annual Advisory Fee First $250,000 3.00% Next $250,000 2.50% Next $500,000 2.00% Next $1,500,000 1.50% Next $2,500,000 1.00% Additional Assets 0.75% As authorized in the client agreement, the account custodian withdraws Canopy 360 Wealth, LLC’s advisory fees directly from the clients’ accounts according to the custodian’s policies, practices, and procedures. The custodial statement includes the amount of any fees paid to Canopy 360 for advisory services. You should carefully review the statement from your custodian/broker- dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations. Fees are charged in advance on a monthly basis, meaning that advisory fees for a month are charged on the first day of the month. Clients may terminate investment advisory services obtained from Canopy 360, without penalty, upon written notice within five (5) business days after entering into the advisory agreement with Canopy 360. The client is responsible for any fees and charges incurred by the client from third parties as a result of maintaining the account such as transaction fees for any securities transactions executed and account maintenance or custodial fees. Thereafter, the client may terminate advisory services upon written notice delivered to and received by Canopy 360. Clients who terminate investment advisory services during a month are charged a prorated advisory fee based on the date of Canopy 360’s receipt of client’s written notice to terminate. The client may obtain a pro-rated refund of a pre-paid fee if the advisory contract is terminated before the end of the billing period by contacting Russell Lindsay at (352) 369-1120. For clients that are referred to another SEC registered investment adviser, Canopy 360 will receive a flat fee of 0.50%, collected by the referred entity and paid to Canopy 360. Financial Planning – Financial planning services are charged in advance through a fixed fee or hourly arrangement as agreed upon between the client and Canopy 360 Wealth, LLC. There will never be an instance where $1,200 or more in fees is charged six or more months in advance. Hourly fees are generally charged when the scope of services cannot be determined or if the services are limited to one meeting. Fixed fees are generally quoted to the client for longer-term consulting projects. Fees are negotiable and vary depending upon the complexity of the client situation and services to be provided. Hourly fees range from $200 - $750 per hour, depending on what is negotiated between Canopy 360 and the client. Similar financial planning services may be available elsewhere for a lower cost to the client. Fixed fees for longer-term consulting projects range from $750 to $50,000 per project. An estimate for total hours and charges is determined at the start of the advisory relationship. 6  Typically, clients will be invoiced monthly for all time spent by Canopy 360 as agreed upon by client or upon completion of the services if less than a month. Clients who wish to terminate the planning process prior to completion may do so with written notice. Upon receipt of written notification, any earned fee will immediately become due and payable, and any unearned, pre-paid fee will be promptly refunded. A client may terminate an advisory agreement without being assessed any fees or expenses within five (5) days of its signing. Additional Fees and Expenses In addition to advisory fees paid to Canopy 360 as explained above, clients may pay custodial service, account maintenance, transaction, and other fees associated with maintaining the account. Some of these fees may be included in Wrap Fee Program accounts as described above in Item 4 – Advisory Services. These fees vary by broker and/or custodian. Clients should ask Canopy 360 for details on transaction fees or other custodial fees specific to their account, as these fees are not included in the annual advisory fee. Canopy 360 does not share any portion of such fees. Additionally, for any mutual funds purchased, the client may pay their proportionate share of the funds’ distribution, internal management, investment advisory and administrative fees. Such fees are not shared with Canopy 360 and are compensation to the fund manager. Clients are urged to read the mutual fund prospectus prior to investing. Mutual fund companies impose internal fees and expenses on clients. These fees are in addition to the costs associated with the investment advisory services as described above. Complete details of such internal expenses are specified and disclosed in each mutual fund company’s prospectus. Clients are strongly advised to review the prospectus(es) prior to investing in such securities. Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees that would not exist if the purchase or sale were made directly with the mutual fund company. Mutual funds held in broker-dealer accounts also charge management fees. These mutual fund management fees may be more or less than the mutual fund management fees charged if the client held the mutual fund directly with the mutual fund company. Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal underwriter, or a distributor without purchasing the services of Canopy 360 or paying the advisory fee on such shares (but subject to any applicable sales charges). Certain mutual funds are offered to the public without a sales charge. In the case of mutual funds offered with a sales charge, the prevailing sales charge (as described in the mutual fund prospectus) may be more or less than the applicable advisory fee. However, clients would not receive Canopy 360’s assistance in developing an investment strategy, selecting securities, monitoring performance of the account, and making changes as necessary. Please refer to Item 12 “Brokerage Practices” of this brochure for additional information. 7  Form ADV, Part 2A, Item 6 Performance-Based Fees and Side-By-Side Management Canopy 360 Wealth, LLC does not charge performance-based fees or participate in side-by-side management. 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. Performance-based fees are fees that are based on a share of capital gains or appreciation of the assets of a client. Our fees are calculated as described in Fees and Compensation section above and are not charged on the basis of performance of your advisory account. Form ADV, Part 2A, Item 7 Types of Clients Canopy 360 offers investment advisory services to individuals and small businesses. There is no minimum account size to open and maintain an advisory account. Form ADV, Part 2A, Item 8 Methods of Analysis, Investment Strategies, and Risk of Loss Canopy 360’s methods of analysis and investment strategies incorporate the client’s needs and investment objectives, time horizon, and risk tolerance. Canopy 360 is not bound to a specific investment strategy for the management of investment portfolios, but rather consider the risk tolerance levels pre-determined gathered at the account opening, as well as on an on-going basis. Examples of methodologies that our investment strategies may incorporate include: Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix of asset classes and the efficient allocation of capital to those assets by matching rates of return to a specified and quantifiable tolerance for risk. Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount of securities at regularly scheduled intervals, regardless of the price per share. This will gradually, over time, decrease the average share price of the security. Dollar-cost averaging lessens the risk of investing a large amount in a single investment at the wrong time. Technical Analysis – involves studying past price patterns and trends in the financial markets to predict the direction of both the overall market and specific stocks. Long-Term Purchases – securities purchased with the expectation that the value of those securities will grow over a relatively long period of time, generally greater than one year. 8  Short-Term Purchases – securities purchased with the expectation that they will be sold within a relatively short period of time, generally less than one year, to take advantage of the securities’ short-term price fluctuations. Our strategies and investments may have unique and significant tax implications. Regardless of your account size or other factors, we strongly recommend that you continuously consult with a tax professional prior to and throughout the investing of your assets. Investing in securities involves risk of loss that clients should be prepared to bear. Although we manage your portfolio with strategies and in a manner consistent with your risk tolerances, there can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of loss. All investments involve the risk of loss, including (among other things) loss of principal, a reduction in earnings (including interest, dividends, and other distributions), and the loss of future earnings. These risks include market risk, interest rate risk, issuer risk, and general economic risk. Regardless of the methods of analysis or strategies suggested for your particular investment goals, you should carefully consider these risks, as they all bear risks. Below are some more specific risks of investing: Market Risk. The prices of securities in which clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by the client or an underlying fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate potentially sharp declines in market value. Management Risk. Canopy 360’s investment approach may fail to produce the intended results. If our perception of the performance of a specific asset class or underlying fund is not realized in the expected time frame, the overall performance of client’s portfolio may suffer. Equity Risk. Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the client’s overall portfolio. Small- and mid-cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies. Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities is likely to decrease. A nominal interest rate is the sum of a real interest rate and an expected inflation rate. 9  Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may be affected by adverse political, legislative and tax changes, as well as by financial developments that affect the municipal issuers. Because many municipal obligations are issued to finance similar projects by municipalities (e.g., housing, healthcare, water and sewer projects, etc.), conditions in the sector related to the project can affect the overall municipal market. Payment of municipal obligations may depend on an issuer’s general unrestricted revenues, revenue generated by a specific project, the operator of the project, or government appropriation or aid. There is a greater risk if investors can look only to the revenue generated by the project. In addition, municipal bonds generally are traded in the “over-the-counter” market among dealers and other large institutional investors. From time to time, liquidity in the municipal bond market (the ability to buy and sell bonds readily) may be reduced in response to overall economic conditions and credit tightening. Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. Canopy 360 has no control over the risks taken by the underlying funds. Artificial Intelligence and Machine Learning Risk. Certain service providers utilized by the Firm to service client accounts have artificial intelligence components. The use of artificial intelligence and machine learning includes increased risk of data inaccuracies and security vulnerabilities. Due to the rapid advancement of machine learning technologies, future risks related to artificial intelligence are unpredictable. As a measure to mitigate these risks to our clients, the Firm performs periodic due diligence of our service providers for assurance that the service providers have appropriate controls in place to protect our clients’ information and to limit data inaccuracies when artificial intelligence is used by the service provider. Form ADV, Part 2A, Item 9 Disciplinary Information Canopy 360 Wealth, LLC or its Principal Executive Officers have not had any reportable disclosable events in the past ten years. Form ADV, Part 2A, Item 10 Other Financial Industry Activities and Affiliations 10  Canopy 360 Wealth, LLC or its IARs are not currently registered with any broker dealer. Neither Canopy 360 nor its representatives are registered as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor. Certain persons associated with Canopy 360 are also associated with Lindsay, Crabb & Associates, LLC, an accounting and consulting firm providing audit, compliance, tax consulting and financial planning services to clients. Canopy 360 is an affiliate, and Russell Lindsay is an indirect owner of Canopy 360, as well as a partner of Lindsay, Crabb & Associates, LLC. If you require accounting and/or tax services, Canopy 360 may recommend Lindsay, Crabb & Associates, LLC. Our advisory services and compensation are separate and distinct from the services provided by Lindsay, Crabb & Associates, LLC. Our recommendation for you to use the services of Lindsay, Crabb & Associates, LLC may appear to present a conflict of interest because we have a financial incentive to recommend our affiliate’s services. While we strongly believe that integrating tax and accounting services provides a value added to our investment advisory clients, you may choose to have another firm to provide these services. You are under no obligation to use our affiliate’s services and may obtain comparable services through other firms. IARs of Canopy 360 may also be licensed insurance agents. From time to time, they may offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. Canopy 360 always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of Canopy 360 in their capacity as an insurance agent. Form ADV, Part 2A, Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Canopy 360’s Code of Ethics includes guidelines for professional standards of conduct for our Associated Persons. Our goal is to protect client interests at all times and to demonstrate our commitment to fiduciary duties of honesty, good faith, and fair dealing. All of Canopy 360’s Associated Persons are expected to strictly adhere to these guidelines. Persons associated with Canopy 360 Wealth, LLC are also required to report any violations to the Code of Ethics. Additionally, the firm maintains and enforces written policies reasonably designed to prevent the misuse or dissemination of material, non-public information about our clients or client accounts by persons associated with our firm. Canopy 360 and its employees may buy or sell securities that are also held by clients. It is the expressed policy of the advisor that no person employed by our firm purchase or sell any security prior to the transaction being implemented for an advisory account; therefore, preventing such employees from benefiting from transactions placed on behalf of the advisory clients. 11  The advisor may have an interest or position in a certain security, which may also be recommended to the client. As these situations may present a conflict of interest, the advisor has established the following restrictions in order to ensure its fiduciary responsibilities: 1. A director, officer or employee of the advisor shall not buy or sell a security for their personal portfolio(s) where their decision is substantially derived, in whole or part, by reason of his or her employment, unless the information is also available to the investing public. No owner/employee of Canopy 360 shall prefer their own interest to that of the client. 2. The advisor maintains a list of all securities held by the company and all directors, officers, and employees. These holdings are reviewed on a quarterly basis by the principal of the firm. 3. The advisor requires that all employees must act in accordance with all applicable Federal and State regulations governing registered investment advisors. 4. The advisor may block personal trades with those of clients but will ensure that clients are not at a disadvantage. Canopy 360’s Code of Ethics is available to you upon request. You may obtain a copy of our Code of Ethics by contacting Russell Lindsay at (352) 369-1120. Form ADV, Part 2A, Item 12 Brokerage Practices In order for Canopy 360 to provide asset management services, we request you utilize the brokerage and custodial services of Charles Schwab & Co., Inc. or Raymond James Financial, Inc., for which we have an existing relationship. In considering which independent qualified custodian will be the best fit for Canopy 360’s business model, we evaluate the following factors, which is not an all-inclusive list:  Financial strength  Reputation  Reporting capabilities  Execution capabilities  Pricing, and  Types and quality of research While you are free to choose any broker-dealer or other service provider, we recommend that you establish an account with a brokerage firm with which we have an existing relationship. Such relationships may include benefits provided to our firm, including, but not limited to research, market information, and administrative services that help our firm manage your account(s). We believe that recommended broker-dealers provide quality execution services for our clients at competitive prices. Price is not the sole factor we consider in evaluating best execution. We also consider the quality of the brokerage services provided by the recommended broker-dealers, including the value of research provided, the firm’s reputation, execution capabilities, commission rates, and responsiveness to our clients and our firm. 12  You may direct us in writing to use a particular broker-dealer to execute some or all of the transactions for your account. If you do so, you are responsible for negotiating the terms and arrangements for the account with that broker-dealer. We may not be able to negotiate commissions, obtain volume discounts, or best execution. In addition, under these circumstances a difference in commission charges may exist between the commissions charged to clients who direct us to use a particular broker or dealer and other clients who do not direct us to use a particular broker or dealer. Canopy 360 does not have any soft dollar arrangements. Canopy 360 does not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. When Canopy 360 buys or sells the same security for two or more clients (including our personal accounts), we may place concurrent orders to be executed together as a single “block” in order to facilitate orderly and efficient execution. Each client account will be charged or credited with the average price per unit. We receive no additional compensation or remuneration of any kind because we aggregate client transactions. No client is favored over any other client. If an order is not completely filled, it is allocated pro-rata based on an allocation statement prepared by Canopy 360 prior to placing the order. Because of an order’s aggregation, some clients may pay higher transaction costs, or greater spreads, or receive less favorable net prices on transactions than would otherwise be the case if the order had not been aggregated. Canopy 360 may choose to aggregate orders for its proprietary or personnel’s accounts with those of its clients. Canopy 360 will receive no additional compensation or remuneration resulting from the aggregation of client transactions. Form ADV, Part 2A, Item 13 Review of Accounts Client accounts are reviewed at least quarterly by Russell Lindsay, Lance Powers or Jamie Losito, Executive Officers of the firm. Accounts are reviewed with regard to their investment policies and risk tolerance levels. All accounts at Canopy 360 are assigned to these reviewers. All financial planning accounts are reviewed upon financial plan creation and plan delivery by one or more of the Executive Officers of the firm. There is only one level of review and that is the total review conducted to create the financial plan. Reviews may be triggered by material market, economic or political events, or by changes in client's financial situations (such as retirement, termination of employment, physical move, or inheritance). Each client will receive at least quarterly a written report that details the clients’ account which may come from the custodian. 13  Form ADV, Part 2A, Item 14 Client Referrals and Other Compensation Our firm may engage in promoter arrangements for client referrals. These individual promoters offer our services to the public. The Firm pays a referral fee to the promoter based on a portion of the management fees charged by the Firm and memorialized in a written agreement (“Promoter Agreement”). In all cases, the Firm will comply with the cash solicitation rules established by the SEC, state regulators and the client disclosure requirements. If a referred prospective client enters into an investment advisory agreement with the Firm, a referral fee is paid to the referring party. The referral relationship will not result in clients being charged any fees over and above the normal advisory fees charged for the advisory services provided. The Firm will pay the promoter their share of the total fee. The Promoter Agreement requires that the promoter be appropriately registered under federal and state securities laws where applicable. Clients receive all related agreements and disclosures prior to or at the time of entering into an Investment Advisory Agreement with the Firm. Form ADV, Part 2A, Item 15 Custody Canopy 360 does not have physical custody of any client funds and/or securities and does not take custody of client accounts at any time. Client funds and securities will be held with a bank, broker dealer, or other independent qualified custodian. However, by granting Canopy 360 written authorization to automatically deduct fees from client accounts, Canopy 360 is deemed to have limited custody. You will receive account statements from the independent, qualified custodian holding your funds at least quarterly. The account statement from your custodian will indicate the amount of advisory fees deducted from your account(s) each billing cycle. Clients should carefully review statements received from the custodian. Some clients may execute limited powers of attorney or other standing letters of authorization that permit the firm to transfer money from their account with the client’s independent qualified Custodian to third parties. This authorization to direct the Custodian may be deemed to cause our firm to exercise limited custody over your funds or securities and for regulatory reporting purposes, we are required to keep track of the number of clients and accounts for which we may have this ability. We do not have physical custody of any of your funds and/or securities. Your funds and securities will be held with a bank, broker-dealer, or other independent, qualified custodian. You will receive account statements from the independent, qualified custodian(s) holding your funds and securities at least quarterly. The account statements from your custodian(s) will indicate any transfers that may have taken place within your account(s) each billing period. You should carefully review account statements for accuracy. We use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no 14  compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Adviser will review the current account allocations. When deemed necessary, Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Form ADV, Part 2A, Item 16 Investment Discretion Before Canopy 360 can buy or sell securities on your behalf, you must first sign our discretionary management agreement, a limited power of attorney, and/or trading authorization forms. By choosing to do so, you may grant the firm discretion over the selection and amount of securities to be purchased or sold for your account(s) without obtaining your consent or approval prior to each transaction. Clients may impose limitations on discretionary authority for investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.), as well as other limitations as expressed by the client. Limitations on discretionary authority are required to be provided to the IAR in writing. Please refer to the “Advisory Business” section of this Brochure for more information on our discretionary management services. Form ADV, Part 2A, Item 17 Voting Client Securities Canopy 360 does not vote proxies on behalf of Client advisory accounts. At the Client’s request, Canopy 360 may offer you advice regarding corporate actions and the exercise of the proxy voting rights. If the Client owns shares of common stock or mutual funds, the Client is responsible for exercising your right to vote as a shareholder. In most cases, the Client will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward any electronic solicitation to vote proxies. Form ADV, Part 2A, Item 18 Financial Information Canopy 360 is not required to provide financial information to our clients because we do not require or solicit the prepayment of more than $1,200 six or more months in advance. 15  Form ADV, Part 2A, Item 19 Requirements for State-Registered Advisers This section is not applicable because the firm is registered with the Securities and Exchange Commission. 16 

Part 2A Appendix 1 of Form ADV: Wrap Fee Program Brochure Form ADV, Part 2A, Item 1 Cover Page CANOPY 360 WEALTH, LLC 104 SE 1st Avenue, Suite B OCALA, FL 34471 Tel: (352) 369-1120 Fax: (352) 351-9393 January 23, 2026 FORM ADV PART 2A APPENDIX 1 WRAP FEE PROGRAM BROCHURE This brochure provides information about the qualifications and business practices of Canopy 360 Wealth, LLC. If you have any questions about the contents of this brochure, please contact us at (352) 369-1120. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Canopy 360 Wealth, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. The searchable IARD/CRD number for Canopy 360 Wealth, LLC is 296771. Canopy 360 Wealth, LLC is a Registered Investment Adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 1  Form ADV, Part 2A Appendix 1, Item 2 Material Changes Canopy 360 Wealth, LLC was established as a new Registered Investment Advisor in June 2018 under the Securities and Exchange Commission rules and regulations. Each year we will deliver to you, by no later than April 30th, a free updated brochure that includes or is accompanied by a summary of material changes; or a summary of material changes and an offer to provide a copy of the updated brochure and how to obtain it. This disclosure brochure provides prospective clients with information about Canopy 360 Wealth, LLC that should be considered before, or at the time of, obtaining our advisory services. This brochure is required to be updated at least annually, or sooner when material changes to our business take place. Please retain a copy of this Disclosure Brochure for your records. There have been the following material changes made since the last annual update was filed on February 7, 2025: • None 2  Form ADV, Part 2A Appendix 1, Item 3 Table of Contents Services, Fees and Compensation……………………………………….…4 Account Requirements and Types of Clients……………………………..7 Portfolio Manager Selection and Evaluation………………………………7 Client Information Provided to Portfolio Managers…………...…….….12 Client Contact With Portfolio Managers…………………………………..12 Additional Information....…………………………………………………….12 3  Form ADV Part 2A Appendix 1, Item 4 Services, Fees and Compensation including, but not limited Canopy 360 Wealth, LLC (hereinafter called “Canopy 360”) is a Registered Investment Adviser based in Ocala, Florida, and incorporated under the laws of the State of Florida. Canopy 360 is owned by Lindsay Financial Services, LLC and Powers Wealth Management, LLC, and those entities are owned by Russell Lindsay, Lance Powers and Jamie Losito. Canopy 360 is registered with the Securities and Exchange Commission and is subject to its rules and regulations. Founded in June 2018, Canopy 360 provides investment advisory services, which may include, but are not limited to, the review of client investment objectives and goals, recommending asset allocation strategies of managed assets among investment products such as cash, stocks, mutual funds and bonds, annuities, and/or preparing written investment strategies. Our investment advice is tailored to meet our clients’ needs and investment objectives. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an acceptable form of notification. Canopy 360 also provides financial planning consulting services to, risk assessment/management, investment planning, estate planning, financial organization, or financial decision making/negotiation. Canopy 360, in providing the services agreed upon with the Client, may refer the Client to an unaffiliated Securities and Exchange Commission registered investment adviser (“referred advisor”) to manage all or a portion of the managed assets. The Client will be required to sign an Investment Advisory Agreement of the advisor for which Canopy 360 referred, and this authorizes the referred adviser discretionary trading authority. If this occurs, Canopy 360 will be responsible for the continuing supervision of the Client's account. Client understands that the advisory fees paid to Canopy 360 are included in the advisory fees paid to the referred adviser. Client will also be required to sign a disclosure document stating the portion of the advisory fees paid to the referred advisor and the portion paid to Canopy 360. A “wrap fee program” for purposes of the SEC is a program under which investment advisory and brokerage execution services are provided for a single “wrapped” fee that is not based on the transactions in a client account. Canopy 360 provides discretionary investment advisory services to some of its clients through a managed account program (“the Wrap Fee Program”). Canopy 360 will assist clients in determining the suitability of the Wrap Fee Program for the client. Canopy 360 offers clearing platforms to execute securities business for investment advisory services, including Wrap Fee Program services, Charles Schwab & Co., Inc. and Raymond James Financial, Inc. WRAP FEE PROGRAM Canopy 360’s Wrap Fee Program is offered as a part of the Asset Management Services described below. Canopy 360 provides portfolio management services for this program based 4  on the Client’s investment goals and objectives. Managed Accounts are available to primarily individuals and small businesses. Fees and Compensation The following types of fees will be assessed: Asset Management – Fees are charged in advance and are based primarily on asset size and the level of complexity of the services provided. In individual cases, Canopy 360 has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital gains or capital appreciation of the funds or any portion of the funds. Comparable services for lower fees may be available from other sources. Fees for the initial month will be prorated based upon the number of calendar days in the calendar month that the advisory agreement is in effect. Fees are based on the market value of the assets on the last business day of the previous month. Annual fees range from .84% - 3.09% depending on the amount of assets under management (“AUM”) – See chart below. Fees for asset management services of certain accounts include broker-dealer transaction costs, and because of this are considered Wrap accounts. The cost of these programs to you, if provided separately with the equivalent trading activity in the client account(s), may cost more or less than purchasing such services separately. Consulting services are included in these fees for asset management services with the exception of unique circumstances that may require a separate agreement for financial planning services (description and fees are discussed below). If the situation warrants separate financial planning fees, it will be discussed upfront, and a separate agreement will be negotiated. Fee Schedule for Asset Management with transactional costs included: Total Account Value Maximum Annual Advisory Fee First $250,000 3.09% Next $250,000 2.59% Next $500,000 2.09% Next $1,500,000 1.59% Next $2,500,000 1.09% Additional Assets 0.84% As authorized in the client agreement, the account custodian withdraws Canopy 360’s advisory fees directly from the clients’ accounts according to the custodian’s policies, practices, and procedures. The custodial statement includes the amount of any fees paid to Canopy 360 for advisory services. You should carefully review the statement from your custodian/broker-dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not verify the accuracy of fees calculations. 5  Fees are charged in advance on a monthly basis, meaning that advisory fees for a month are charged on the first day of the month. Clients may terminate investment advisory services obtained from Canopy 360, without penalty, upon written notice within five (5) business days after entering into the advisory agreement with Canopy 360. The client is responsible for any fees and charges incurred by the client from third parties as a result of maintaining the account such as transaction fees for any securities transactions executed and account maintenance or custodial fees. Thereafter, the client may terminate advisory services upon written notice delivered to and received by Canopy 360. Clients who terminate investment advisory services during a month are charged a prorated advisory fee based on the date of Canopy 360’s receipt of client’s written notice to terminate. The client may obtain a pro-rated refund of a pre-paid fee if the advisory contract is terminated before the end of the billing period by contacting Russell Lindsay at (352) 369-1120. For clients that are referred to another SEC registered investment adviser, Canopy 360 will receive a flat fee of 0.50%, collected by the referred entity and paid to Canopy 360. Financial planning services are charged in advance through a fixed fee or hourly arrangement as agreed upon between the client and Canopy 360 Wealth, LLC. There will never be an instance where $1,200 or more in fees is charged six or more months in advance. Hourly fees are generally charged when the scope of services cannot be determined or if the services are limited to one meeting. Fixed fees are generally quoted to the client for longer term consulting projects. Fees are negotiable and vary depending upon the complexity of the client situation and services to be provided. Hourly fees range from $200 - $750 per hour, depending on what is negotiated between Canopy 360 and the client. Similar financial planning services may be available elsewhere for a lower cost to the client. Fixed fees for longer-term consulting projects range from $750 to $50,000 per project. An estimate for total hours and charges is determined at the start of the advisory relationship. Typically, clients will be invoiced monthly for all time spent by Canopy 360 as agreed upon by client or upon completion of the services if less than a month. Clients who wish to terminate the planning process prior to completion may do so with written notice. Upon receipt of written notification, any earned fee will immediately become due and payable, and any unearned, pre-paid fee will be promptly refunded. A client may terminate an advisory agreement without being assessed any fees or expenses within five (5) days of its signing. Additional Fees and Expenses In addition to advisory fees paid to Canopy 360 as explained above, clients are charged custodial service, account maintenance, transaction, and other fees associated with maintaining the account, however Canopy 360 pays some or all of these fees for designated Wrap Accounts. Therefore, these fees are included in the fee schedule above. These fees vary by broker dealer and/or custodian. Additionally, for any mutual funds purchased, the client may pay their proportionate share of the funds’ distribution, internal management, investment advisory and administrative fees. Such fees are not shared with Canopy 360 and are compensation to the fund manager. Clients are urged to read the mutual fund prospectus prior to investing. Mutual fund companies impose internal fees and expenses on clients. These fees are in addition to the costs associated with the investment advisory services as described above. Complete details 6  of such internal expenses are specified and disclosed in each mutual fund company’s prospectus. Clients are strongly advised to review the prospectus(es) prior to investing in such securities. Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal underwriter, or a distributor without purchasing the services of Canopy 360 or paying the advisory fee on such shares (but subject to any applicable sales charges). Certain mutual funds are offered to the public without a sales charge. In the case of mutual funds offered with a sales charge, the prevailing sales charge (as described in the mutual fund prospectus) may be more or less than the applicable advisory fee. However, clients would not receive Canopy 360’s assistance in developing an investment strategy, selecting securities, monitoring performance of the account, and making changes as necessary. Form ADV, Part 2A Appendix 1, Item 5 Account Requirements and Types of Clients Canopy 360 offers investment advisory services to individuals and small businesses. There is no minimum account size to open and maintain an advisory account. Form ADV, Part 2A Appendix 1, Item 6 Portfolio Manager Selection and Evaluation Canopy 360 acts as the portfolio managers for its Wrap Fee Program accounts. There are no conflicts of interest with this arrangement. Advisory Business Canopy 360 Wealth, LLC (hereinafter called “Canopy 360”) is a Registered Investment Adviser based in Ocala, Florida, and incorporated under the laws of the State of Florida. Canopy 360 is owned by Lindsay Financial Services, LLC and Powers Wealth Management, LLC, and those entities are owned by Russell Lindsay, Lance Powers and Jamie Losito. Canopy 360 is registered with the Securities and Exchange Commission and is subject to its rules and regulations. Founded in June 2018, Canopy 360 provides investment advisory services, which may include, but are not limited to, the review of client investment objectives and goals, recommending asset allocation strategies of managed assets among investment products such as cash, stocks, mutual funds and bonds, annuities, and/or preparing written investment strategies. Our investment advice is tailored to meet our clients’ needs and investment objectives. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an acceptable form of notification. Canopy 360 also provides financial planning consulting services including, but not limited to, risk assessment/management, investment planning, estate planning, financial organization, or financial decision making/negotiation. Canopy 360 provides investment advisory and other financial services through its Investment Advisory Representatives ("IAR") to accounts opened with Canopy 360. Managed Accounts are available to individuals. 7  Asset Management Canopy 360 provides discretionary and non-discretionary investment advisory services to some of its clients through various managed accounts. Canopy 360 will assist clients in determining the suitability of the investments within the managed account(s) for the client. The IAR is compensated through a comprehensive single fee and the account may be assessed other charges associated with conducting a brokerage business. Canopy 360 and its IAR, as appropriate, will be responsible for the following: • Performing due diligence • Recommending strategic asset and style allocations • Providing research on investment product options, as needed • Providing client risk profile questionnaire • Obtaining investment advisory contract from client with required financial, risk tolerance, suitability and investment vehicle selection information for each new account • Performing client suitability check on account documentation, review the investment objectives and evaluate the investment vehicle selections • Providing Firm Brochure (this document) Canopy 360, in providing the services agreed upon with the Client, may refer the Client to an unaffiliated Securities and Exchange Commission registered investment adviser (“referred advisor”) to manage all or a portion of the managed assets. The Client will be required to sign an Investment Advisory Agreement of the advisor for which Canopy 360 referred, and this authorizes the referred adviser discretionary trading authority. If this occurs, Canopy 360 will be responsible for the continuing supervision of the Client's account. Client understands that the advisory fees paid to Canopy 360 are included in the advisory fees paid to the referred adviser. Client will also be required to sign a disclosure document stating the portion of the advisory fees paid to the referred advisor and the portion paid to Canopy 360. Canopy 360 may recommend a Wrap Fee Program for the client’s account(s). A “Wrap Fee Program” for purposes of the SEC is a program under which investment advisory and brokerage execution services are provided for a single “wrapped” fee that is not based on the transactions in a client account. Canopy 360 provides discretionary investment advisory services to some of its clients through a Wrap Fee Program. Canopy 360 will assist clients in determining the suitability of the Wrap Fee Program for the client. Wrap Fee Program accounts recommended by Canopy 360 are not managed differently from non-Wrap Fee Program accounts. Because brokerage execution costs are included in the client’s overall advisory fee, the client’s fee may be greater than those that have accounts in non-Wrap Fee Program accounts, however fees will not exceed the fee schedule stated in Canopy 360’s Wrap Fee Brochure. All clients with Wrap Fee Program accounts will be provided with Canopy 360’s Wrap Fee Brochure. 8  As of January 5, 2026, the firm has total client assets under management in the amount of $382,820,511; that includes $323,748,226 in discretionary assets and $59,072,285 in non- discretionary assets. Financial Planning Canopy 360 may provide its Clients with a broad range of comprehensive financial planning, risk management, pension, estate and trust consulting services (which may include tax-related and other non-investment related matters.) These services are customized according to the specific request by the Client. The financial planning consulting services may include, but are not limited to, risk assessment/management, investment planning, estate planning, financial organization, or financial decision making/negotiation. These services are usually not provided on a continual, ongoing basis, and the advice offered by Canopy 360 may be limited and may not be comprehensive but limited in scope based on the Client’s request for services. Once your financial parameters have been identified, we may prepare a recommended allocation plan that outlines what asset mix is most suitable for your unique investment expectations and risk tolerance. Performance-Based Fees and Side by Side Management Canopy 360 does not charge performance-based fees or participate in side-by-side management. 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. Performance-based fees are fees that are based on a share of capital gains or appreciation of the assets of a client. Our fees are calculated as described in Fees and Compensation section above and are not charged on the basis of performance of your advisory account. Methods of Analysis, Investment Strategies, and Risk of Loss Canopy 360’s methods of analysis and investment strategies incorporate the client’s needs and investment objectives, time horizon, and risk tolerance. Canopy 360 is not bound to a specific investment strategy for the management of investment portfolios, but rather consider the risk tolerance range of each portfolio and the risk level of each level when the account is opened. Examples of methodologies that our investment strategies may incorporate include: Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix of asset classes and the efficient allocation of capital to those assets by matching rates of return to a specified and quantifiable tolerance for risk. Asset Allocation has the potential of all the risks listed below. Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount of securities at regularly scheduled intervals, regardless of the price per share. This will gradually, over time, decrease the average share price of the security. Dollar-cost averaging lessens the risk of investing a large amount in a single investment at the wrong time. Dollar-Cost Averaging has the potential of all the risks listed below. 9  Technical Analysis – involves studying past price charts, patterns and trends in the financial markets to predict the direction of both the overall market and specific stocks. Technical Analysis has the potential of all the risks listed below. Long-Term Purchases – securities purchased with the expectation that the value of those securities will grow over a relatively long period of time, generally greater than one year. Long- Term Purchases have the potential of all the risks listed below. Short-Term Purchases – securities purchased with the expectation that they will be sold within a relatively short period of time, generally less than one year, to take advantage of the securities’ short-term price fluctuations. Short-term Purchases primarily have the potential of Market Risk, Business Risk, and Liquidity Risk as listed below. Our strategies and investments may have unique and significant tax implications. Regardless of your account size or other factors, we strongly recommend that you continuously consult with a tax professional prior to and throughout the investing of your assets. Investing in securities involves risk of loss that clients should be prepared to bear. Although we manage your portfolio with strategies and in a manner consistent with your risk tolerances, there can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of loss. All investments involve the risk of loss, including (among other things) loss of principal, a reduction in earnings (including interest, dividends, and other distributions), and the loss of future earnings. Regardless of the methods of analysis or strategies suggested for your particular investment goals, you should carefully consider these risks, as they all bear risks. Canopy 360’s primary goal for investing is to help the client maintain purchasing power over the long term. This may result in short term variability and loss of principal. Time horizon and risk tolerance are key determinates of the proper asset allocation. Canopy 360’s approach focuses on taking appropriate risks for which clients are compensated (i.e. market risk) and seeking to limit or eliminate risks that do not provide compensation over the long term (i.e. individual stock risk or lack of portfolio risk). Below are some more specific risks of investing: Market Risk. The prices of securities in which clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by the client or an underlying fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate potentially sharp declines in market value. Management Risk. Canopy 360’s investment approach may fail to produce the intended results. If our perception of the performance of a specific asset class or underlying fund is not realized in the expected time frame, the overall performance of client’s portfolio may suffer. 10  Equity Risk. Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the client’s overall portfolio. Small- and mid-cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies. Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities is likely to decrease. A nominal interest rate is the sum of a real interest rate and an expected inflation rate. Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may be affected by adverse political, legislative and tax changes, as well as by financial developments that affect the municipal issuers. Because many municipal obligations are issued to finance similar projects by municipalities (e.g., housing, healthcare, water and sewer projects, etc.), conditions in the sector related to the project can affect the overall municipal market. Payment of municipal obligations may depend on an issuer’s general unrestricted revenues, revenue generated by a specific project, the operator of the project, or government appropriation or aid. There is a greater risk if investors can look only to the revenue generated by the project. In addition, municipal bonds generally are traded in the “over-the-counter” market among dealers and other large institutional investors. From time to time, liquidity in the municipal bond market (the ability to buy and sell bonds readily) may be reduced in response to overall economic conditions and credit tightening. Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. Canopy 360 has no control over the risks taken by the underlying funds. Artificial Intelligence and Machine Learning Risk. Certain service providers utilized by the Firm to service client accounts have artificial intelligence components. The use of artificial intelligence and machine learning includes increased risk of data inaccuracies and security vulnerabilities. Due to the rapid advancement of machine learning technologies, future risks related to artificial intelligence are unpredictable. As a measure to mitigate these risks to our clients, the Firm performs periodic due diligence of our service providers for assurance that the 11  service providers have appropriate controls in place to protect our clients’ information and to limit data inaccuracies when artificial intelligence is used by the service provider. Voting Client Securities Canopy 360 does not vote proxies on behalf of Client advisory accounts. At the Client’s request, Canopy 360 may offer the Client advice regarding corporate actions and the exercise of proxy voting rights. If the Client owns shares of common stock or mutual funds, the Client is responsible for exercising the right to vote as a shareholder. In most cases, the Client will receive proxy materials directly from the account custodian. However, in the event Canopy 360 receives any written or electronic proxy materials, we would forward them directly to the Client by mail, unless the Client has authorized our firm to contact you by electronic mail, in which case, Canopy 360 would forward any electronic solicitation to vote proxies. Form ADV, Part 2A Appendix 1, Item 7 Client Information Provided to Portfolio Managers Canopy 360 directly provides the portfolio management services for the Wrap Fee Program accounts. As such, Canopy 360 receives all information provided by the Client through a formal Needs Analysis and consultation with the Client. Advice is provided through consultation with the client and may include determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Form ADV, Part 2A Appendix 1, Item 8 Client Contact with Portfolio Managers There are no restrictions placed on Canopy 360’s clients’ ability to contact and consult with their portfolio managers. Form ADV, Part 2A Appendix 1, Item 9 Additional Information Disciplinary Information Canopy 360 or its Principal Executive Officers have not had any reportable disclosable events in the past ten years. Other Financial Industry Activities and Affiliations Canopy 360 Wealth, LLC or its IARs are not currently registered with any broker dealer. 12  Neither Canopy 360 nor its representatives are registered as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor. Certain persons associated with Canopy 360 are also associated with Lindsay, Crabb & Associates, LLC, an accounting and consulting firm providing audit, compliance, tax consulting and financial planning services to clients. Canopy 360 is an affiliate and Russell Lindsay is an indirect owner of Canopy 360, as well as a partner of Lindsay, Crabb & Associates, LLC. If you require accounting and/or tax services, Canopy 360 may recommend Lindsay, Crabb & Associates, LLC. Our advisory services and compensation are separate and distinct from the services provided by Lindsay, Crabb & Associates, LLC. Our recommendation for you to use the services of Lindsay, Crabb & Associates, LLC may appear to present a conflict of interest because we have a financial incentive to recommend our affiliate’s services. While we strongly believe that integrating tax and accounting services provides a value added to our investment advisory clients, you may choose to have another firm to provide these services. You are under no obligation to use our affiliate’s services and may obtain comparable services through other firms. IARs of Canopy 360 may also be licensed insurance agents. From time to time, they may offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a possible conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. Canopy 360 always acts in the best interest of the client; including the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of Canopy 360 in their capacity as an insurance agent. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Canopy 360’s Code of Ethics includes guidelines for professional standards of conduct for our Associated Persons. Our goal is to protect client interests at all times and to demonstrate our commitment to fiduciary duties of honesty, good faith, and fair dealing. All of Canopy 360’s Associated Persons are expected to strictly adhere to these guidelines. Persons associated with Canopy 360 are also required to report any violations to the Code of Ethics. Additionally, the firm maintains and enforces written policies reasonably designed to prevent the misuse or dissemination of material, non-public information about our clients or client accounts by persons associated with our firm. Canopy 360 may buy or sell securities for itself that we also recommend to clients. In addition, the individual IARs may buy or sell the same securities for their personal and family accounts that are bought and sold for your account(s). Canopy 360 or its IARs may have an interest or position in a certain security, which may also be recommended to the client. As these situations may present a conflict of interest, Canopy 360 has established the following restrictions in order to ensure its fiduciary responsibilities: A director, officer or employee of the advisor shall not buy or sell a security for their 1. personal portfolio(s) where their decision is substantially derived, in whole or part, by reason of 13  The advisor maintains a list of all securities held by the company and all directors, officers, The advisor requires that all employees must act in accordance with all applicable Federal The advisor will monitor any blocking of personal trades with those of clients to ensure his or her employment, unless the information is also available to the investing public. No owner/employee of Canopy 360 shall prefer their own interest to that of the client. 2. and employees. These holdings are reviewed on a quarterly basis by the principal of the firm. 3. and State regulations governing registered investment advisors. 4. that clients are not at a disadvantage. Canopy 360’s Code of Ethics is available to you upon request. You may obtain a copy of our Code of Ethics by contacting Russell Lindsay at (352) 369-1120. Canopy 360 does not recommend or select other investment advisors to our clients for which we receive compensation, directly or indirectly, from those advisors, nor do we have business relationships with any other investment advisors. Review of Accounts Client accounts are reviewed at least quarterly by Russell Lindsay, Lance Powers or Jamie Losito, Executive Officers of the firm. Accounts are reviewed with regard to their investment policies and risk tolerance levels. All accounts at Canopy 360 are assigned to these reviewers. All financial planning accounts are reviewed upon financial plan creation and plan delivery by one or more of the Executive Officers of the firm. There is only one level of review and that is the total review conducted to create the financial plan. Reviews may be triggered by material market, economic or political events, or by changes in client's financial situations (such as retirement, termination of employment, physical move, or inheritance). Each client will receive at least quarterly a written report that details the clients’ account which may come from the custodian. Client Referrals and Other Compensation Canopy 360 does not compensate any individual or firm for client referrals, nor does Canopy 360 receive compensation for referrals made to other professional service providers. Financial Information Canopy 360 is not required to provide financial information to our clients because we do not require or solicit the prepayment of more than $1,200 six or more months in advance. Form ADV, Part 2A Appendix 1, Item 10 Requirements for State-Registered Advisers 14  This section is not applicable, as the firm is registered with the Securities and Exchange Commission. 15