CASSIA CAPITAL PARTNERS LLC

Cassia Capital Partners LLC Form ADV Part 2A – Disclosure Brochure Effective: July 1, 2025 This Form ADV2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Cassia Capital Partners LLC (“Cassia” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Cassia is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Cassia to assist you in determining whether to retain the Advisor. Additional information about Cassia and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or firm CRD# 159911. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC 27101 Phone: (336) 723-4585 | http://www.cassiacapitalpartners.com/  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about Advisory Persons of Cassia. For convenience, the Advisor has combined these documents into a single disclosure document. Cassia believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Cassia encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on February 7, 2024. • The Advisor has amended Item 4 to reflect that Participant Account Management is offered through Pontera. Please see Item 4 for additional information. • The Advisor had amended Item 5 to disclose that private fund investments will follow the Advisor’s standard fee schedule. Please see Item 5 for additional information. • The Advisor has amended Items 4, 5, and 10 to reflect the use of Independent Managers. Please these items for additional information. • The Advisor has amended Item 10 to reflect updates to other financial industry activities and affiliations. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in the business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of Cassia. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or firm CRD# 159911. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ..................................................................................................................................... 4 B. Advisory Services Offered ...................................................................................................................... 4 C. Client Account Management .................................................................................................................. 6 D. Wrap Fee Programs ............................................................................................................................... 6 E. Assets Under Management .................................................................................................................... 6 Item 5 – Fees and Compensation ......................................................................................................................... 7 A. Fees for Advisory Services ..................................................................................................................... 7 B. Fee Billing ............................................................................................................................................... 8 C. Other Fees and Expenses ..................................................................................................................... 8 D. Advance Payment of Fees and Termination .......................................................................................... 8 E. Compensation for Sales of Securities .................................................................................................... 9 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 9 Item 7 – Types of Clients ....................................................................................................................................... 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 10 A. Methods of Analysis ............................................................................................................................. 10 B. Risk of Loss .......................................................................................................................................... 10 Item 9 – Disciplinary Information ....................................................................................................................... 11 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 12 A. Code of Ethics ...................................................................................................................................... 12 B. Personal Trading with Material Interest ................................................................................................ 12 C. Personal Trading in Same Securities as Clients .................................................................................. 12 D. Personal Trading at Same Time as Client ........................................................................................... 12 Item 12 – Brokerage Practices ............................................................................................................................ 13 A. Recommendation of Custodian[s] ........................................................................................................ 13 B. Aggregating and Allocating Trades ...................................................................................................... 13 Item 13 – Review of Accounts ............................................................................................................................ 14 A. Frequency of Reviews .......................................................................................................................... 14 B. Causes for Reviews ............................................................................................................................. 14 C. Review Reports .................................................................................................................................... 14 Item 14 - Client Referrals and Other Compensation ......................................................................................... 14 A. Compensation Received by Cassia ..................................................................................................... 14 B. Compensation for Client Referrals ....................................................................................................... 15 Item 15 – Custody ................................................................................................................................................ 15 Item 16 – Investment Discretion ......................................................................................................................... 15 Item 17 – Voting Client Securities ...................................................................................................................... 15 Item 18 – Financial Information .......................................................................................................................... 16 ADV Part 2B – Brochure Supplements .............................................................................................................. 17 Privacy Policy ...................................................................................................................................................... 28 Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 3  Item 4 – Advisory Services A. Firm Information Cassia Capital Partners LLC (“Cassia” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Delaware. Cassia was founded in October 2011 and is owned and operated by James R. Helvey III (Managing Partner) and Charles D. Barham III (Managing Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Cassia. B. Advisory Services Offered Cassia offers investment management, financial consulting and related advisory services to individuals, high net worth individuals, trusts, estates, endowments, foundations, and business entities (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As such, each recommendation made as part of the advisory services is based on the belief that the recommendation is in the Client's best interest. Cassia’s fiduciary commitment to each Client is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. The details of these services are described in the paragraphs below: Portfolio Management Services Cassia provides customized discretionary investment management solutions for its Clients. Cassia works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. Cassia will then construct a portfolio, consisting of exchange-traded funds (“ETFs”), mutual funds, hedge funds and private equity investments to achieve the Client’s investment goals. The Advisor may also utilize individual stocks and bonds to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax- related reasons, or other reasons as identified between the Advisor and the Client. Cassia’s discretionary investment management strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Cassia will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to the acceptance by the Advisor. Cassia evaluates and selects securities funds for inclusion in Client portfolios only after applying their internal due diligence process. Cassia may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Cassia may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement, which may adversely affect the portfolio. Cassia may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Cassia will provide investment advisory services and portfolio management services and will not provide securities custody or other administrative services. At no time will Cassia accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their account[s] at the Custodian, pursuant to the Client investment advisory agreement. For additional information, please see Item 12 – Brokerage Practices. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 4  Participant Account Management: As part of the Advisor’s Investment Management Services, when appropriate, the Advisor will 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 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. Participant Account Management (Pontera) As part of the Advisor’s Investment Management Services, when appropriate, the Advisor will use a third-party platform, Pontera Solutions, Inc. (“Pontera”), to facilitate management of held away assets such as defined contribution plan participant accounts, with investment discretion. The platform enables the Advisor to gain access to Client account without having access through the Client’s credentials. This independent advisor access ensures that the Advisor will not have custody of Client funds or securities when implementing trades for the Client. The Advisor is not affiliated with the platform in any way and receives no compensation from the platform. A link will be provided to the Client allowing them to connect their account[s] to the platform for the Advisor’s secure access. Retirement Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a Client take a distribution from an ERISA sponsored plan or to roll over the assets to an Individual Retirement Accounts (“IRAs”), or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee- based account). In such instances, the Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Advisory-Only Investment Services Cassia provides customized advisory-only investment solutions for Institutional Clients. An Institutional Client may engage Cassia through an advisory-only investment advisory agreement. Cassia, serves as a risk manager for the Institutional Client, and provide the following services: (a) Monthly performance reports (including appropriate benchmark comparisons); (b) Ad-hoc performance reporting (e.g., including, without limitation, daily summary reports); (c) Quarterly asset allocation reports; and (d) Asset allocation recommendations. Sub-Advisory Services Cassia provides discretionary investment management services to Independent Advisors and their clients. Cassia will manage Clients’ designated portfolios according to Cassia model strategies chosen and specified by the Independent Advisors and their clients. As part of its portfolio management services, Cassia provides periodic portfolio rebalancing designed to keep portfolios consistent with Cassia’s Model Strategies. In addition, upon request by the Independent Advisor, Cassia will provide reports regarding the model strategies and may also be available to meet with Clients on a periodic basis. Consulting Services Cassia will typically provide a variety of financial consulting services for Clients, pursuant to a written consulting agreement. Consulting services are customized to the unique needs of each Client. Services are offered in one or more areas of a Client’s financial situation, depending on their goals and objectives. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 5  Generally, such consulting services will involve a financial analysis or rendering a financial consultation for Clients. These consulting services may encompass one or more areas of need, including, but not limited to investment review, portfolio construction, retirement planning, estate planning, personal savings, education savings, review of non-security assets and other areas of a Client’s financial situation, as needed. Cassia may also refer Clients to an accountant, attorney or another specialist, as appropriate for their unique situation. For certain engagements, the Advisor may or may not provide a written report for these services, depending on the needs of the Client and the terms of the consulting agreement. Recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Use of Independent Managers Cassia may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). C. Client Account Management Prior to engaging Cassia to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: ● Establishing an Investment Strategy – Cassia, in connection with the Client, will develop an investment strategy targeted to achieve the Client’s investment goals and objectives. ● Asset Allocation – Cassia will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. ● Portfolio Construction – Cassia will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. ● Investment Management and Supervision – Cassia will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Cassia does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Cassia. E. Assets Under Management As of December 31, 2024, Cassia manages $205,995,647 in Client assets. All of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 6  Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client shall sign one or more agreements that detail the responsibilities of Cassia and the Client. A. Fees for Advisory Services Portfolio Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Investment advisory fees range from 1.00% to 0.60% based on the following schedule: Assets Under Management Up to $1,000,000 Next $2,000,000 Next $2,000,000 Over $5,000,000 Annual Rate 1.00% 0.75% 0.60% 0.50% Certain Clients are offered a flat fixed rate that ranges up to 1.00%, paid quarterly, in advance of each calendar quarter. The investment advisory fee in the first quarter of service is prorated to the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. Certain existing Clients may have a fee schedule that differs from above. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Cassia will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. . The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. The hourly fees are determined after considering many factors, such as the level and scope of the services. As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts, but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. For single contract independent manager relationships, the Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 1.50% annually. Consulting Services Cassia offers financial consulting services at an hourly rate of $325 or based on a fixed fee per engagement, payable in arrears. The fixed rate is based on the expected number of hours to complete the engagement at the negotiated hourly rate. Fees may be negotiable depending on the nature and complexity of the services requested. An estimate for total hours and/or costs and the scope of services to be completed will be provided to the Client prior to engaging for these services. Advisory-Only Investment Services For Institutional Clients who have Cassia advise their accounts on an Advisory-Only basis will be charged a quarterly fee of up to $10,000. Fees may be negotiable at the sole discretion of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 7  Sub-Advisory Services Sub-Advisory fees are paid quarterly in advance or in arrears pursuant to the terms of the agreement between Cassia and the Independent Advisor. Cassias fees are based on the following schedule: Assets Under Management Up to $5,000,000 Over $5,000,000 Annual Rate 0.40% 0.35% B. Fee Billing Portfolio Management Services/Advisory-Only Investment Services/Sub-Advisory Services Investment advisory fees will be calculated by the Advisor and deducted from the Client account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the respective quarter-end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Cassia at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by directly from their accounts held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Consulting Services Consulting fees are invoiced by the Advisor and are due upon receipt of the agreed upon deliverable[s]. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Cassia’s investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Cassia, in connection with investment made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, as applicable. The investment advisory fee charged by Cassia is separate and distinct from these custody and execution fees. In addition, all fees paid to Cassia for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Cassia, but would not receive the services provided by Cassia which are designed, among other things, to assist the Client in determining which products or services are most appropriate to each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Cassia to fully understand the total fees to be paid. D. Advance Payment of Fees and Termination Portfolio Management Services/Advisory-Only Investment Services Cassia is compensated for its services in advance of the quarter in which investment advisory services are rendered. Either party may request to terminate their investment advisory agreement with Cassia, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 8  day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be responsible for investment advisory fees up to and including the effective date of termination. The Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without Client’s prior consent. Consulting Services Cassia is compensated for its services upon completion of the engagement deliverable[s]. Either party may terminate a consulting services agreement, at any time, by providing advance written notice to the other party. In addition, the Client may also terminate the agreement within five (5) business days of signing the Advisor’s consulting services agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Any unearned, prepaid fees will be promptly refunded to the Client. Sub-Advisory Services Cassia is compensated for its services in advance of the calendar-quarter in which investment sub-advisory services are rendered. Either party may request to terminate the advisory agreement with Cassia, at any time, by providing advance written notice to the Independent Advisor. The Client shall be responsible for investment advisory fees up to and including the effective date of termination. Upon termination, the Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without Client’s written approval. Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest or a Client should wish to terminate their relationship with the Independent Manager, the terms for the termination will be set forth in the respective agreements between the Client or the Advisor and the Independent Manager. Cassia will assist the Client with the termination and transition as appropriate. E. Compensation for Sales of Securities Cassia does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management Cassia does not charge performance-based fees for its investment advisory services. The fees charged by Cassia are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Cassia does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Cassia offers investment advisory services to individuals, high net worth individuals, trusts, estates, endowments, foundations, and business entities. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Cassia generally imposes a minimum relationship size of $250,000 for establishing an advisory relationship. The minimum relationship size may be waived at the sole discretion of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 9  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Cassia primarily employs a fundamental analysis method in developing investment strategies for its Clients, but may also employ cyclical analysis and other risk-based methods in developing investment decisions. Research and analysis from Cassia are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included in Item 13 – Review of Accounts. As noted above, Cassia generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Cassia will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Cassia may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Cassia will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. The following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 10  ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving Cassia or its Advisory Persons. Cassia and its Advisory Persons value the trust you place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or firm CRD# 159911. Item 10 – Other Financial Industry Activities and Affiliations Board of Advisors – James Helvey - Unpaid Mr. Helvey serves on the Board of Advisors for Verger Capital Management. Verger Capital Management is majority owned by Wake Forest University. Such activity is not uncommon in the financial services industry and such relationships are disclosed to investors. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 11  Board of Directors – James Helvey - Paid Mr. Helvey serves as a member of the Board of Directors of the Coca-Cola Bottling Co. Consolidated and Piedmont Federal Savings Bank where he is compensated for these services. For his role with these companies, Mr. Helvey is required to prepare for and attend regular Director’s meetings. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Cassia has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Cassia (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding Cassia’s duties to Clients. Cassia and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Cassia’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (336) 723-4585 or via email at info@cassiacapitalpartners.com. B. Personal Trading with Material Interest Cassia allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Cassia does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advice an investment company. Cassia does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Cassia allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to you and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls) and personal securities reporting procedures. When trading for personal accounts, Supervised Persons of Cassia have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Cassia requiring reporting of personal securities trades by its Supervised Persons pursuant to its Code of Ethics. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. The Advisor has an interest or position in certain securities, which may also be recommended to Clients. In addition, the Code of Ethics governs Gifts and Entertainment given by and provided to the Advisor, outside employment activities of employees, Employee reporting, sanctions for violations of the Code of Ethics, and records retention requirements for various aspects of the Code of Ethics. D. Personal Trading at Same Time as Client While Cassia allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, these trades do not occur at the same time. Cassia will place trades only after Client orders have been placed and filled. At no time, will Cassia or any Supervised Persons of Cassia, transact in any security to the detriment of any Client. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 12  Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Cassia does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Cassia to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Cassia does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Cassia does not exercise discretion over the selection of the Custodian, it will recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Cassia. In such instance, the Advisor may not be able to deliver the same services to Client as provided to other Clients. Cassia may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, the Custodian’s reputation and/or the location of the Custodian’s offices, and/or the services provided to the Advisor. Cassia will typically recommend that Clients establish their account[s] at Pershing LLC (“Pershing”), a FINRA-registered broker-dealer and member SIPC. Pershing will serve as the Client’s “qualified custodian”. Cassia maintains an institutional relationship with Pershing, whereby the Advisor receives economic benefits from Pershing. Please see Item 14 below. Cassia may receive from Pershing, without cost to Cassia, computer software and related systems support that allows Cassia to better monitor Client accounts. Cassia may receive software and related support without cost because Cassia renders investment management services to Clients that maintain assets on these institutional platforms. The software and related systems support may benefit Cassia, but not its Clients directly. In fulfilling its duties to its Clients, Cassia endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that Cassia’s receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence Cassia’s choice of Custodian over another custodian that does not furnish similar software, systems support, or services. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Cassia does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, the Advisor does receive certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - Cassia does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Cassia will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective brokerage account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Cassia will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Cassia will execute its transactions through the Custodian as directed by the Client. Cassia may aggregate orders in a block trade or trades when securities are Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 13  purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage particular Clients’ accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in a Client account[s] are monitored on a regular and continuous basis by James Helvey or Charles Barham, Managing Partners of Cassia. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A. above, each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Cassia if changes occur in his/her personal financial situation that might adversely affect his/her investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 - Client Referrals and Other Compensation A. Compensation Received by Cassia Cassia is a fee-only advisory firm, who, in all circumstances, is compensated solely by the Client. Cassia does not receive commissions or other compensation from product sponsors, broker dealers or any un-related third party. Cassia may refer Clients to various third parties to provide certain financial services necessary to meet the goals of its Clients. Likewise, Cassia may receive referrals of new Clients from a third-party. Participation in Institutional Advisor Platform Cassia has established an institutional relationship with Pershing to assist the Advisor in managing Client account[s]. Access to the Custodian Institutional platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Pershing. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a potential conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from Pershing: receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 14  for Client order entry and account information. Details of this custodian relationship are included in Item 12 – Brokerage Practices. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody Cassia does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Cassia exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Cassia to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Cassia to ensure accuracy, as the Custodian does not perform this review Item 16 – Investment Discretion Cassia generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Cassia. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Cassia will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Cassia may accept the authority to vote Client’s securities (i.e., proxies) on their behalf. When Cassia accepts such responsibility, it will cast proxy votes in a manner it believes is consistent with the best interest of its Clients. At any time Clients may contact Cassia to request information about how the Advisor voted proxies for that Client’s securities. A brief summary of Cassia’ proxy voting policies and procedures is as follows: The Advisor has engaged Broadridge, a third-party, independent proxy advisory firm, to provide it with ProxyEdge which provides research, analysis, and recommendations on the various proxy proposals for the client securities that Cassia manages with the aim of maximizing shareholder value. In engaging ProxyEdge for that purpose, Cassia has reviewed ProxyEdge’s Proxy Paper Guidelines for the current proxy voting season and has approved the summary of ProxyEdge’s positions on the voting positions it recommends for the types of proposals most frequently presented, including: election and composition of directors; financial reporting; compensation of management and directors; corporate governance structure and anti-takeover measures; and environmental and social risks to operations. Cassia is in agreement with the approach ProxyEdge has set forth in its current Proxy Paper Guidelines for voting proxies. Although Cassia, based on its approval of the positions in the Proxy Paper Guidelines, expects to vote proxies according to ProxyEdge’s recommendations, certain issues may need to be considered on a case-by-case basis due to the diverse and continually evolving nature of corporate governance issues. If such cases should arise, then Cassia will devote appropriate time and resources to consider those issues. Where Cassia is responsible for voting proxies on behalf of a Client, the Client cannot direct the Firm’s vote on a particular solicitation. The Client, however, can revoke Cassia’ authority to vote proxies. In situations where there Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 15  may be a conflict of interest in the voting of proxies due to business or personal relationships that Cassia maintains with persons having an interest in the outcome of certain votes, the Advisor will take appropriate steps, whether by following ProxyEdge’s third-party recommendation or otherwise, to ensure that proxy voting decisions are made in what it believes is the best interest of its Clients and are not the product of any such conflict. Item 18 – Financial Information Neither Cassia, nor its management has any adverse financial situations that would reasonably impair the ability of Cassia to meet all obligations to its Clients. Neither Cassia, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Cassia is not required to deliver a balance sheet along with this Disclosure Brochure as the firm does not collect advance fees of $1,200 or more for services to be performed six months or more in advance. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 16  Form ADV Part 2B – Brochure Supplement for James R. Helvey III Managing Partner and Chief Investment Officer Effective: July 1, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of James R. Helvey III (CRD# 5156968) in addition to the information contained in the Cassia Capital Partners LLC (“Cassia” or the “Advisor” - CRD #159911) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you any questions about the contents of the Cassia Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Additional information about Mr. Helvey is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5156968. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 17  Item 2 – Educational Background and Business Experience James R. Helvey III, born in 1958, is dedicated to advising Clients of Cassia as a Managing Partner and Chief Investment Officer. Mr. Helvey earned a Masters in International Affairs from Columbia University in 1984. Mr. Helvey earned a Fulbright Scholarship from University of Cologne, Germany in 1982. Mr. Helvey earned his Bachelor of Arts from Wake Forest University in 1981. Additional information regarding Mr. Helvey’s employment history is included below. Employment History: Managing Partner and Chief Investment Officer, Cassia Capital Partners LLC Partner, CMT Asset Management President, Helvey and Associates CEO, Cygnifi Derivatives Services Managing Director, J.P. Morgan & Co. 11/2011 to Present 12/2005 to 12/2011 06/2002 to 12/2005 04/2000 to 06/2002 07/1985 to 04/2000 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Helvey. Mr. Helvey has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Helvey. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Helvey. However, we do encourage you to independently view the background of Mr. Helvey on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching his individual CRD# 5156968. Item 4 – Other Business Activities Board of Advisors – James Helvey - Unpaid Mr. Helvey serves on the Board of Advisors for Verger Capital Management. Verger Capital Management is majority owned by Wake Forest University. Such activity is not uncommon in the financial services industry and such relationships are disclosed to investors. Board of Directors – James Helvey - Paid Mr. Helvey serves as a member of the Board of Directors of the Coca-Cola Bottling Co. Consolidated and Piedmont Federal Savings Bank where he is compensated for these services. For his role with these companies, Mr. Helvey is required to prepare for and attend regular Director’s meetings. Item 5 – Additional Compensation Mr. Helvey receives Director’s fees for his role with the Piedmont Federal Savings Bank Board and Coca-Cola, Co. Consolidated. Mr. Helvey does not receive any additional forms of compensation for outside board of director activities. Item 6 – Supervision Mr. Helvey serves as a Managing Partner of Cassia, under the supervision of Charles Barham, Managing Partner and Chief Compliance Officer. Mr. Barham can be reached at (336) 723-4585. Cassia has implemented a Code of Ethics, an internal compliance document that guides each employee in meeting their fiduciary obligations to Clients of Cassia. Further, Cassia is subject to regulatory oversight by Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 18  various agencies. These agencies require registration by Cassia and its employees. As a registered entity, Cassia is subject to examinations by regulators, which may be announced or unannounced. Cassia is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 19  Form ADV Part 2B – Individual Disclosure Brochure for Charles D. Barham III, CFP® Managing Partner and Chief Compliance Officer Effective: July 1, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Charles D. Barham III, CFP®, (CRD# 4157445) in addition to the information contained in the Cassia Capital Partners LLC (“Cassia” or the “Advisor” CRD #159911) Disclosure Brochure. If you have not received a copy of this Brochure Supplement or if you any questions about the contents of this Brochure Supplement or Cassia’s Disclosure Brochure, please contact the Advisor at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Additional information about Charles Barham is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4157445. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 20  Item 2 – Educational Background and Business Experience Charles D. Barham III, CFP®, born in 1969, is dedicated to advising Clients of Cassia as a Managing Partner and Chief Compliance Officer. Mr. Barham earned his Bachelors of Arts degree from Wake Forest University in 1992. Additional information regarding Mr. Barham’s employment history is included below. Employment History: Managing Partner and Chief Compliance Officer, Cassia Capital Partners LLC River Oaks Community Church Senior Vice President, Regional Private Banking Manager, Wells Fargo Bank, N.A. Senior Vice President, Commercial Banking, Wachovia Bank, N.A. 07/2013 to Present 05/2012 to 09/2013 09/2009 to 10/2011 06/1992 to 09/2009 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 21  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Barham. Mr. Barham has never been involved in any regulatory, civil or criminal action. There have been no Client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Barham. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Barham. However, we do encourage you to independently view the background of Mr. Barham on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching his individual CRD# 4157445. Item 4 – Other Business Activities Mr. Barham is dedicated to the investment advisory activities of Cassia’s Clients. There are no additional business activities to disclose. Item 5 – Additional Compensation Mr. Barham is dedicated to the investment advisory activities of Cassia’s Clients. Mr. Barham does not receive any additional forms of compensation relating to Clients. Item 6 – Supervision Mr. Barham serves as a Managing Partner and Chief Compliance Officer of Cassia. Mr. Barham can be reached at (336) 723-4585. Cassia has implemented a Code of Ethics, an internal compliance document that guides each employee in meeting their fiduciary obligations to Clients of Cassia. Further, Cassia is subject to regulatory oversight by various agencies. These agencies require registration by Cassia and its employees. As a registered entity, Cassia is subject to examinations by regulators, which may be announced or unannounced. Cassia is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 22  Form ADV Part 2B – Brochure Supplement for Andrew R. Miller, CFA® Financial Advisor Effective: July 1, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Andrew R. Miller, CFA® (CRD# 7151860) in addition to the information contained in the Cassia Capital Partners LLC (“Cassia” or the “Advisor”, CRD# 159911) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Cassia Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Additional information about Mr. Miller is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7151860. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 23  Item 2 – Educational Background and Business Experience Andrew R. Miller, CFA®, born in 1995, is dedicated to advising Clients of Cassia as a Financial Advisor. Mr. Miller attended Cedarville University in 2018. Additional information regarding Mr. Miller’s employment history is included below. Employment History: Financial Advisor, Cassia Capital Partners LLC Human Resources Intern, Flow Companies Accounting Intern, Shelly Company Intern, Crossroads Group 06/2019 to Present 06/2018 to 06/2019 05/2016 to 08/2016 05/2015 to 08/2015 Chartered Financial Analyst™ (“CFA®”) The Chartered Financial Analyst™ (“CFA®”) charter is a professional designation established in 1962 and awarded by CFA® Institute. To earn the CFA® charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA® Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. Also, CFA® charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Miller. Mr. Miller has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Miller. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Miller. However, we do encourage you to independently view the background of Mr. Miller on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7151860. Item 4 – Other Business Activities Mr. Miller is dedicated to the investment advisory activities of Cassia’s Clients. Mr. Miller does not have any other business activities. Item 5 – Additional Compensation Mr. Miller is dedicated to the investment advisory activities of Cassia’s Clients. Mr. Miller does not receive any additional forms of compensation. Item 6 – Supervision Mr. Miller serves as a Financial Advisor of Cassia under the supervision of Charles Barham, Managing Partner and Chief Compliance Officer. Mr. Barham can be reached at (336) 723-4585. Cassia has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Cassia. Further, Cassia is subject to regulatory Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 24  oversight by various agencies. These agencies require registration by Cassia and its Supervised Persons. As a registered entity, Cassia is subject to examinations by regulators, which may be announced or unannounced. Cassia is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 25  Form ADV Part 2B – Brochure Supplement for Benjamin P. Haynes Financial Advisor Effective: July 1, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Benjamin P. Haynes (CRD# 8029837) in addition to the information contained in the Cassia Capital Partners LLC (“Cassia” or the “Advisor”, CRD# 159911) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Cassia Disclosure Brochure or this Brochure Supplement, please contact us at (336) 723-4585 or by email at info@cassiacapitalpartners.com. Additional information about Mr. Haynes is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8029837. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 26  Item 2 – Educational Background and Business Experience Benjamin P. Haynes, born in 1989, is dedicated to advising Clients of Cassia as a Financial Advisor. Mr. Haynes earned his Bachelor of Science from UNC - Chapel Hill in 2011. Mr. Haynes also earned his Master of Divinity from Duke University in 2014. Additional information regarding Mr. Haynes’s employment history is included below. Employment History: Financial Advisor, Cassia Capital Partners LLC Financial Advisor, Cannon Wealth Management Services Financial Analyst II, Inmar Intelligence Financial Analyst II, ICON Plc Senior Minister, Trinity United Methodist Church Senior Minister, St. Timothy United Methodist Church 06/2025 to Present 12/2024 to 06/2025 08/2024 to 12/2024 01/2022 to 08/2024 07/2020 to 01/2022 07/2018 to 06/2020 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Haynes. Mr. Haynes has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Haynes. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Haynes. However, we do encourage you to independently view the background of Mr. Haynes on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8029837. Item 4 – Other Business Activities Mr. Haynes is dedicated to the investment advisory activities of Cassia’s Clients. Mr. Haynes does not have any other business activities. Item 5 – Additional Compensation Mr. Haynes is dedicated to the investment advisory activities of Cassia’s Clients. Mr. Haynes does not receive any additional forms of compensation. Item 6 – Supervision Mr. Haynes serves as a Financial Advisor of Cassia and is supervised by Charles Barham, the Chief Compliance Officer. Mr. Barham can be reached at (336) 723-4585. Cassia has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Cassia. Further, Cassia is subject to regulatory oversight by various agencies. These agencies require registration by Cassia and its Supervised Persons. As a registered entity, Cassia is subject to examinations by regulators, which may be announced or unannounced. Cassia is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 27  Privacy Policy Effective: July 1, 2025 Our Commitment to You Cassia Capital Partners LLC (herein “Cassia” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Cassia (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Cassia does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] E-mail address[es] Account information (including other institutions) Income and expenses Investment activity Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access we use and maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 28  reasons we may share your personal information. Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Basis For Sharing Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes Cassia does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Cassia or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients Cassia does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may obtain a copy of our current privacy policy by contacting the Advisor at (336) 723-4585 or via email at info@cassiacapitalpartners.com. Cassia Capital Partners LLC 1144 West Fourth Street, Suite 200, Winston Salem, NC (336) 723-4585 | www.cassiacapitalpartners.com Page 29