Clearview Financial Partners

Form ADV Part 2A — Clearview Financial Partners, LLC Item 1 — Cover Page Registered as Clearview Financial Partners, LLC | CRD No. 286168 Doing Business As: Clearview Financial Partners Form ADV Part 2A - Disclosure Brochure 100 Matsonford Road – Building #5, Suite 110 | Radnor, PA 19087 Phone: (610) 293-9211 June 15, 2026 NOTICE TO PROSPECTIVE CLIENTS: READ THIS DISCLOSURE BROCHURE IN ITS ENTIRETY This brochure provides information about the qualifications and business practices of Clearview Financial Partners. If you have any questions about the contents of this brochure, please contact us at (610) 293-9211 or david@cvfpartners.com. 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 Clearview Financial Partners is also available on the SEC's website at www.adviserinfo.sec.gov. Registration does not imply a certain level of skill or training. Clearview Financial Partners, LLC Page 1 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 2 — Material Changes This Item discusses only the specific material changes made to this Brochure since the last annual update and provides clients with a summary of those changes. We will also reference the date of our last annual update of our Brochure. We will ensure that you receive a summary of any material changes to this and subsequent Brochures within 120 days of the close of our business’ fiscal year. We may further provide other ongoing disclosure information about material changes as necessary. We will further provide you with a new Brochure as necessary based on changes or new information, at any time, without charge. Currently, our Disclosure Brochure may be requested by contacting us at (610) 293-9211. Additional information about Clearview Financial Partners is available via the SEC’s website at www.adviserinfo.sec.gov. The following changes are not material because affected clients have already been made aware of such changes where the From ADV 2A is not the exclusive means of client disclosure. • The termination of the broker/dealer relationship previously described throughout the brochure; • The addition of advisory services to and management of a private pooled investment vehicle, Clearview Fund I LP; and, • Corresponding updates to fee, conflict, custody, and performance-fee disclosures. CCO to finalize the material-changes summary and date once the underlying facts are confirmed. Clearview Financial Partners, LLC Page 2 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 3 — Table of Contents Item 1 – Cover Page ……………………………………………….………………..…………….………..………… 1 Item 2 – Material Changes ……………………………………………………………………………………..…....... 2 Item 3 – Table of Contents …………………………………………………………………………………..……....... 3 Item 4 – Advisory Business …………………………………………………………………………………………… 4 Item 5 – Fee and Compensation ……………………………………………………………………………….….…... 9 Item 6 – Performance-Based Fees and Side-by-Side Management ……………………………………………...…… 14 Item 7 – Types of Clients …………………………………………………………………………………….…..…… 14 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ………………………………..….………... 14 Item 9 – Disciplinary Information ……………………………………………………………………………..….….. 21 Item 10 – Other Financial Industry Activities and Affiliations ……………………………………….….……….….. 22 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .……….………..… 22 Item 12 – Brokerage Practices ……………………………………………………………………….………….….… 23 Item 13 – Review of Accounts ……………………………………………………………………………….…..…... 24 Item 14 – Client Referrals and Other Compensation ……………………………………………….………….…..… 25 Item 15 – Custody …………………………………………………………………………………….………..…….. 25 Item 16 – Investment Discretion ………………………………………………………………….…………..……… 25 Item 17 – Voting Client Securities …………………………………………………………….……………..………. 26 Item 18 – Financial Information ……………………………………………………………….……………..……… 26 Appendix-1 Wrap Fee Program Brochure ……………………………………………………………….…….…… 27 Privacy Policy ………………………………………………………………………………………………………. 34 Clearview Financial Partners, LLC Page 3 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 4 — Advisory Business The Firm Clearview Financial Partners, LLC (“Clearview Financial Partners,” the “Firm,” or the “Adviser”) is an independent registered investment adviser that offers asset management and financial planning services. The Firm’s investment adviser representatives (“IARs”) are also insurance agents appointed with various insurance carriers to offer insurance products in a separate capacity. • The Firm offers discretionary asset management services on a wrap or non-wrap fee basis as further described below. • The Firm does not directly hold securities or have direct access to client assets, except with respect to the private fund described below, for which the Firm is deemed to have custody. Client securities accounts are maintained at one or more qualified custodians. Principal Owner David L. Fitzgerald (CRD No. 1927550) is the principal owner with a 100% ownership interest. He also serves as the President and Chief Compliance Officer (CCO). Mr. Fitzgerald has worked in the financial services field since 1989 after graduating from Drexel University with dual degrees in Finance and Marketing. Asset Management IARs of Clearview Financial Partners primarily provide discretionary fee-based asset management services to individuals, high-net-worth individuals, and small businesses (client approval is required in advance of any non- discretionary transaction). The Firm provides advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), real estate investment trusts (“REITs”), equities, and fixed income securities. Non-discretionary fee-based asset management services are also available. Clearview Financial Partners offers an open-architecture custodial account in which IARs directly select and manage specific securities based on a client’s investment profile. The Firm also offers advisory programs in which the underlying investments are selected and managed by independent professional portfolio managers. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment profile. The account minimum for an asset management account is generally $1,000,000; however, the Firm reserves the right to open an account for a lesser amount at the discretion of management. Assets Under Management Discretionary Non-Discretionary $1,058,194,989 $0.00 Wrap Fee Program In a wrap fee account, your advisory fee and transaction costs are combined into one annual fee (usually a percentage of your assets). This simplifies your billing and makes your total cost predictable. Important considerations: • Single Fee: Clients are charged one all-inclusive advisory fee, typically expressed as a percentage of assets under management (AUM). This fee covers both the advisory services provided by the investment advisor and the transaction costs incurred when buying or selling securities within the client’s account. Clearview Financial Partners, LLC Page 4 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC • Simplicity and Predictability: The wrap fee simplifies billing by consolidating various fees into one predictable charge, making it easier for clients to understand their costs. • Cost Predictability: Clients benefit from knowing their total investment costs upfront, without worrying about fluctuating transaction fees. • Aligned Interests: This fee structure can align the advisor’s interests with those of the client, as the advisor is compensated based on the client's total assets managed rather than the volume of trades executed. • Comprehensive Services: Clients receive a bundle of services, which may include portfolio management, financial planning, and ongoing advisory support. • Cost Comparison: Depending on the level of trading activity, a wrap fee program may be more or less expensive than paying for advisory services and transaction fees separately. Clients with low trading activity might end up paying more under a wrap fee structure. • Reverse Churning Risk: There is a potential conflict of interest known as "reverse churning," where an advisor might limit trading activity to maintain profitability under the fixed wrap fee, possibly compromising the active management of the account. • Active Traders: For clients who engage in frequent trading, a wrap fee program can be cost-effective, as it may result in lower overall fees compared to paying individual transaction charges. • Passive Investors: Clients with less active trading strategies might find that the wrap fee exceeds what they would pay if they were charged separately for advisory services and each transaction. Clients should evaluate their trading patterns and investment strategy to determine if a wrap fee program is financially beneficial. It's important to assess the range of services included in the wrap fee and ensure they align with personal financial needs and goals. A wrap fee program offers a streamlined and predictable fee structure that can be advantageous for clients with higher trading activity. However, it requires careful consideration of the client’s investment behavior and financial goals to ensure it provides the best value. Wrap Fee Program – Other Fees While the wrap fee covers advisory services and transaction costs, it does not include the expenses charged by mutual funds, ETFs, or other investment products within the portfolio. These underlying fund expenses, such as management fees and operating costs, are deducted from the fund's assets and can impact overall returns. Clients can incur additional charges not covered by the wrap fee, such as account maintenance fees, wire transfer fees, and fees for specific account activities (e.g., account termination or transfers). It's important to review these costs in the account agreement or fee schedule. • Conflict of interest: Because we pay the transaction costs in a wrap fee account, we have an incentive to trade less frequently. This could work against active management of your account. We manage this conflict through our fiduciary duty to act in your best interest. • If you trade infrequently, a wrap fee may cost more than paying for advisory services and transaction fees separately. We will help you evaluate which structure is right for you. See Appendix 1 for the full Wrap Fee Program Brochure Clearview Financial Partners, LLC Page 5 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Sub-Advisers We may engage sub-advisers to manage part of your portfolio when specialized expertise would benefit you. We remain responsible for selecting and overseeing any sub-adviser, for client communication, and for ensuring the sub- adviser’s actions align with your goals. Any additional fees are disclosed before you are enrolled. Sub-advisors are external investment professionals or firms engaged by Advisor to manage all or a portion of a client's portfolio. Engaging sub-advisors allows the primary advisor to leverage specialized expertise and strategies that may be outside their own firm's capabilities. • Specialization and Expertise: Sub-advisors often bring specific expertise in particular asset classes, investment strategies, or geographic regions, providing clients with access to a broader range of investment opportunities and professional management. • Delegation of Management: The primary advisor delegates part of the investment management process to the sub-advisor, who then makes day-to-day decisions regarding the portfolio segment they manage. This can include selecting securities, determining asset allocation, and executing trades. • Due Diligence and Oversight: The primary advisor is responsible for conducting due diligence before hiring a sub-advisor and continues to monitor the sub-advisor’s performance and adherence to the agreed-upon investment mandate. This oversight ensures that the sub-advisor’s actions align with the client's objectives and risk tolerance. • Client Communication: While the sub-advisor manages a portion of the portfolio, the primary advisor maintains the client relationship, handles communication, and provides consolidated reporting that includes the sub-advisor’s activities. • Fee Structure: There may be additional fees associated with using a sub-advisor, which should be disclosed to the client. These fees are typically incorporated into the overall fee structure agreed upon with the primary advisor. • Regulatory Compliance: Both the primary advisor and the sub-advisor must comply with relevant regulations, including registration and disclosure requirements. The primary advisor remains responsible for ensuring that the sub-advisor’s activities comply with applicable laws and regulations. • Contractual Agreements: The relationship between the primary advisor and the sub-advisor is governed by a contractual agreement outlining the scope of services, performance expectations, compensation, and compliance requirements. By utilizing sub-advisors, the primary advisor can enhance the depth and breadth of investment management services offered to clients, potentially improving portfolio diversification and performance outcomes. Private Fund - Clearview Fund I LP The Firm, through an affiliated general partner, sponsors and manages Clearview Fund I LP (the “Partnership” or the “Fund”), a privately offered pooled investment vehicle available only to investors who are “accredited investors” under Regulation D and, where applicable, “qualified clients” under Rule 205-3 of the Investment Advisers Act of 1940 (the “Advisers Act”). The Fund is not registered under the Investment Company Act of 1940 in reliance on an available exclusion, and interests in the Fund are not registered under the Securities Act of 1933 in reliance on an available private-placement exemption. Clearview Financial Partners, LLC Page 6 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC The Partnership’s investment objective is to pursue a growth investment strategy designed to generate meaningful capital appreciation over the term of the Fund by allocating across private equity, private credit, private real estate, co-investments, and direct investments. Investments focus on companies and assets with identifiable competitive advantages, secular tailwinds, and clear catalysts for value creation through earnings growth, revenue acceleration, margin expansion, mergers and acquisitions, operational improvements, capital structure optimization, and strategic repositioning. The Partnership invests in private equity funds (“Underlying Funds”) and in direct investments in public securities, and seeks to achieve its objective through the careful selection of portfolio investments, including the managers of Underlying Funds (each, a “Portfolio Manager”). The actual allocation of portfolio investments may vary from time to time and over time. Because the Fund pools capital from accredited investors to make illiquid, long-term investments in private markets, public details regarding the Fund’s specific holdings, sector allocations, or target returns are limited and are generally not accessible without a secure investor portal. Prospective investors should rely solely on the Fund’s confidential private placement memorandum, limited partnership agreement, and subscription documents (collectively, the “Fund Offering Documents”), which contain a complete description of the Fund’s strategy, terms, fees, conflicts, and risk factors. In the event of any conflict between this brochure and the Fund Offering Documents, the Fund Offering Documents govern. Financial Planning Services Clearview Financial Partners, through its IARs, generally provides financial planning as part of a comprehensive asset management engagement. Financial planning is also available separately for a separate fee. The type of plan can vary greatly depending on the scope and complexity of an individual’s financial situation and may address retirement, college/education, insurance needs, estate planning, cash-flow/budget planning, wealth accumulation, tax planning, investment planning, and inheritance planning for families and individuals, as well as business entity planning, qualified retirement plans, stock option planning, key person planning, executive benefits, deferred compensation, and business succession planning for businesses. Retirement Plan Consulting IARs may assist clients that are trustees or other fiduciaries to retirement plans (“Plans”) by providing fee-based consulting and/or advisory services, which may include assistance with an investment policy statement (“IPS”), acting as a liaison to service providers, ongoing monitoring of investments, performance reporting, ongoing recommendations, committee education, and participant enrollment support, as selected by the client in the client agreement. If a Plan makes available publicly traded employer stock (“company stock”) as an investment option, IARs do not provide investment advice regarding company stock and are not responsible for the decision to offer it. IARs do not provide individualized advice to Plan participants regarding brokerage windows, mutual fund windows, participant loans, or their Plan assets generally. ERISA Fiduciary Status Where a client engages an IAR to perform ongoing investment monitoring and ongoing investment recommendation services to a Plan subject to ERISA, such services constitute “investment advice” under Section 3(21)(A)(ii) of ERISA, and the IAR will be deemed a “fiduciary” under that section in connection with those services. To the extent the IAR is engaged to perform other services, those services are not “investment advice” under ERISA and the IAR is not an ERISA fiduciary with respect to them. Clearview Financial Partners, LLC Page 7 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Retirement Plan Rollovers An employee generally has four options for a retirement plan when leaving an employer: (1) leave the assets in the former employer’s plan, if permitted; (2) roll the assets to a new employer’s plan, if available and permitted; (3) roll the assets to an Individual Retirement Account (IRA); or (4) cash out the account, which has significant tax consequences. The Firm may recommend that retirement plan assets be rolled over into an IRA managed by the Firm. The Firm has a financial incentive to recommend such a rollover, which is a conflict of interest mitigated by the Firm’s fiduciary duty to act in the client’s best interest. Use of Artificial Intelligence (AI) Artificial Intelligence (AI) is the simulation of human intelligence in machines designed to think and learn like humans. AI encompasses a range of technologies that enable systems to perform tasks such as recognizing speech, making decisions, and understanding complex ideas. AI enhances our services, improves operational efficiency, and delivers overall better outcomes. By integrating AI into our processes, we aim to stay at the forefront of technological innovation while maintaining a strong commitment to ethical practices and data privacy. We use AI tools to assist with portfolio analysis, administrative tasks, and note-taking during web-based calls. When AI is recording a call, we will notify all participants, and you may opt out. AI tools support — but do not replace — human judgment. We maintain oversight of all AI-assisted functions to ensure they align with your best interests. Examples of AI include all or some of the following: • Algorithmic Trading: AI algorithms can analyze vast amounts of market data to identify trends and execute trades at optimal times, improving the efficiency and effectiveness of portfolio management. • Risk Assessment: AI tools can evaluate the risk profiles of different investments more accurately by analyzing historical data and predicting potential future risks, allowing RIAs to construct more resilient portfolios. • Market Analysis: AI can process and analyze large datasets from various sources, including news articles, social media, and economic reports, to provide insights into market dynamics and help forecast market movements. • Predictive Analytics: AI-driven predictive models can help RIAs anticipate market trends and client behavior, enabling more proactive and informed investment decisions. • Customized Investment Strategies: AI can analyze individual client data to create personalized investment strategies that align with each client’s goals, risk tolerance, and financial situation. • Behavioral Analysis: AI systems can evaluate clients’ past behaviors and preferences to offer customized advice and improve client engagement. • Automation of Administrative Tasks: AI can automate routine tasks such as data entry, compliance checks, and report generation, freeing advisors to focus on higher-value activities. • Enhanced Client Communication: Chatbots and virtual assistants powered by AI can handle basic client inquiries, schedule meetings, and provide updates, improving responsiveness and client satisfaction. • Regulatory Compliance: AI tools can monitor transactions and communications to ensure compliance with regulatory requirements, reducing the risk of violations and associated penalties. • Fraud Detection: Advanced AI algorithms can identify unusual patterns or anomalies that may indicate fraudulent activity, enhancing the security of client accounts. Clearview Financial Partners, LLC Page 8 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC • Scenario Analysis: AI can simulate various market scenarios and their potential impact on investment portfolios, helping advisors and clients make more informed decisions. • Strategic Asset Allocation: AI tools can optimize asset allocation by considering a wide range of factors, including market conditions, client objectives, and economic forecasts. • Notetaking: Advisor uses AI for real-time note-taking during web calls to enhance accuracy, efficiency, and productivity. The AI tool transcribes spoken content, generates summaries, and identifies key takeaways from web-based calls. Participants are informed of AI usage and have the right to opt out of AI-generated note- taking during web-based calls. Should a client have any questions or concerns, please contact us at our email address, phone number, or through our website. By leveraging AI technology, Advisor can enhance their analytical capabilities, deliver more personalized services, improve operational efficiency, and ultimately provide better outcomes for their clients. However, while AI offers significant advantages, Advisor maintains human oversight to ensure that AI-driven functions align with clients' best interests and fiduciary requirements. Item 5 — Fees and Compensation IARs may only provide services and charge fees based on the account agreement. The specific services and fees charged to a particular client depend on the representative working with the client and the individual needs of each client. • Fees are deducted by the qualified custodian, in advance or in arrears on a quarterly basis, and are debited from the account depending on the custodian selected. • Depending on the custodian selected, clients may enter into a separate agreement regarding how fees are collected. • The qualified custodian sends clients a quarterly statement that details the amount of the fee charged, the amount of assets subject to the fee, and the time period covered by the fee. The specific fee is negotiated based on the schedule below and is subject to account specifics such as account size, management style, complexity of holdings, investment type, management strategy, and the expected amount of time and effort required. Assets Under Management Annual Fee* $0 – $1,000,000 1.50% $1,000,001 – $3,000,000 1.25% $3,000,001 – $4,000,000 0.90% $4,000,001 – $5,000,000 0.80% Over $5,000,000 Negotiable * There is generally an additional 0.10% fee for a wrap fee account, in addition to the ranges above. Clients may also incur certain charges imposed by third parties in connection with investments in the account, including (without limitation) investment-manager fees, mutual fund management and administrative servicing fees, Clearview Financial Partners, LLC Page 9 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC mutual fund 12b-1 fees, deferred sales charges on previously purchased mutual funds, clearing, custody, postage and handling, transaction charges and service fees (e.g., account transfer, wire transfer, and termination fees), interest on debit balances, and IRA/qualified retirement plan fees. Further information regarding fund-level charges is available in the applicable prospectus or disclosure statement. Mutual Fund Share Class Disclosure and Fiduciary Duty (12b-1 Fees) Section 206 of the Advisers Act imposes a fiduciary duty to act in a client’s best interests and prohibits an investment adviser, directly or indirectly, from engaging in any transaction, practice, or course of business that operates as a fraud or deceit upon any client or prospective client. When selecting a mutual fund for a client’s advisory account, the IAR has a fiduciary duty to select the share class that appropriately manages the overall fee structure of the account. However, the fiduciary duty to which advisers are subject is not specifically defined in the Advisers Act or the Commission rules but reflects a Congressional recognition “of the delicate fiduciary nature of an investment advisory relationship” as well as a Congressional intent to eliminate, or at least expose, all conflicts of interest which might incline an investment adviser, consciously or unconsciously, to render advice which was not disinterested. The purpose of 12b-1 fees, as approved by the SEC, are to cover marketing expenses and shareholder services such as the support services. Mutual funds offer different share classes, each with varying fee structures and features, to accommodate different types of investors. Below is a breakdown of the most common mutual fund share classes. • Class A Shares: These shares typically charge a front-end sales load, which is a fee paid when the shares are purchased. This fee is a percentage of the total investment. • Class B Shares: Class B shares often have a contingent deferred sales charge (CDSC), which is a fee paid when shares are sold, typically decreasing over time (usually over six to eight years). • Class C Shares: Class C shares typically charge a level load, which is an annual fee as long as the shares are held, in addition to higher ongoing expenses. • Class I Shares: also known as Institutional Shares, are a class of mutual fund shares designed primarily for institutional investors, such as pension funds, endowments, and large-scale investment managers. • R Shares: Designed for retirement plans like 401(k) plans. • NTF (No Transaction Fee) Mutual Funds: Mutual funds without a transaction fee or commission to the brokerage or platform through which they are purchased. • Direct Purchase Mutual Funds: Often available directly from the mutual fund company. Direct purchase mutual funds can be a cost-effective option for knowledgeable investors who are comfortable managing their own investments and wish to avoid intermediary fees. However, it requires a proactive approach to research and decision-making. The choice of the most beneficial mutual fund share class involves considering ticket charges, 12b-1 fees and the asset management fee. Fees are considered in totality, not in isolation. Sometimes, investing in a share class with 12b-1 fees can be the more cost-effective option rather than simply avoiding 12b-1 fees. Advisor has a fiduciary duty to select the share class that best serves the client's interests, ensuring a comprehensive fee analysis to determine the optimal choice. For a wrap fee account, a different conflict of interest is introduced because the advisor has an incentive to not trade as frequently (reverse churning) to avoid the ticket charges which can compromise active management. This conflict Clearview Financial Partners, LLC Page 10 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC is mitigated by the fiduciary duty to act in a client’s best interest while also considering the higher asset management fee charged for wrap fee accounts. Legacy Mutual Fund Holdings When a client moves their assets into a managed account, the portfolio advisor reviews the client's mutual fund holdings. If the mutual funds are not part of the Advisor's recommended list, they are generally sold unless selling would result in a taxable gain that outweighs the benefits of the preferred holdings or higher fee structure. If it is determined that converting the legacy positions to a different share class is in the clients best interest, Advisor will execute on such changes. • Assessment: Advisor first conducts a thorough assessment of the client's current mutual fund holdings. This involves evaluating the fees, performance, and fit within the client's overall investment strategy and objectives. • Comparison: Advisor compares the current share class with alternative options available. This comparison includes analyzing expense ratios, 12b-1 fees, potential loads, and any other costs associated. • Eligibility & Requirements: Advisor ensures that the client meets any minimum investment amounts and other eligibility criteria required for the new share class. • Benefit Analysis: Advisor evaluates the potential benefits of conversion, such as lower fees, better alignment with investment goals, or improved tax efficiency. The goal is to determine whether the conversion will result in cost savings or other advantages for the client. After a conversion or decision to maintain a legacy position, Advisor continues to monitor the investment to ensure it remains aligned with the client’s goals. This ongoing review helps in making any necessary adjustments in the future. Conflict of interest - wrap fee accounts: In a wrap fee account, we pay the transaction costs. This creates an incentive to trade less frequently to keep our costs down (“reverse churning”). We manage this conflict through our fiduciary duty to act in your best interest. Valuation Securities valuation is the process of determining the intrinsic value of a financial asset, such as stocks, bonds, or other investments, to assess its worth relative to its current market price. The goal of securities valuation is to help investors make informed decisions about buying, holding, or selling securities. Advisor will not have the authority or responsibility to value portfolio securities. Valuation is a function of the independent custodian. Cash Sweep Program Investment portfolios often include a cash allocation to maintain liquidity, manage risk, and provide funds for opportunistic investments. Cash allocations can serve as a buffer against market volatility and ensure that funds are readily available for future investment opportunities or withdrawals. Sweep programs automatically transfer uninvested cash from a brokerage account into a money market fund or other short-term investment vehicle at the custodian. This process is automated and occurs regularly, often at the end of each business day. While the cash is held in the sweep account, it earns interest. This ensures that even idle cash is generating some return, albeit typically lower than other investment options. By automating the movement of cash, sweep programs reduce the need for manual transfers, saving time and minimizing the risk of human error in managing cash balances. Sweep accounts provide quick access to cash for reinvestment or withdrawals, enhancing liquidity management within the portfolio. Minimizing manual cash management tasks reduces administrative burdens for both the investor and the advisor, allowing them to focus on Clearview Financial Partners, LLC Page 11 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC strategic investment decisions. Sweep programs often offer lower interest rates compared to other short-term investments like high-yield savings accounts or CDs. This is due to the liquidity and convenience they provide. While convenient, the lower interest rates mean that investors can miss out on higher returns if cash is kept in the sweep account for extended periods. Advisor uses sweep programs strategically to manage cash flows within a portfolio, ensuring that cash is readily available for investment opportunities without sacrificing significant returns. Sweep accounts can also be used to facilitate regular transactions, such as automatic withdrawals for living expenses or periodic investments in other asset classes. While sweep programs offer convenience and liquidity, they require careful consideration as part of an overall investment strategy. Advisors and clients should weigh the benefits of liquidity and automation against the potential for higher returns through alternative cash management strategies. Fees for Family and Friends We may waive or reduce fees for family members and friends. Minimum account requirements are also negotiable in certain circumstances. Industry Professionals When it serves the best interests of the client, Advisor recommends the services of other professionals, such as attorneys or accountants, for non-investment-related needs. These introductions can be valuable in providing clients with comprehensive support and expertise beyond the Advisor's direct offerings, ensuring clients receive well- rounded assistance in various aspects of their financial and legal matters. Introducing clients to other professionals creates a conflict of interest because the referred professional might feel an implicit obligation to reciprocate by referring potential new clients back to the Advisor. This could influence recommendations, prioritizing professionals likely to reciprocate rather than solely considering the client's best interests. Clients are under no obligation to use the services of a recommended professional. They are free to seek advice and services from other professionals of their choosing. Recommendation are merely a suggestion based on perceived quality and suitability; clients retain full discretion over whether to engage with the suggested professionals. If a client decides to engage with a referred professional and a dispute arises, the client’s recourse is solely against the engaged professional. Advisor does not assume responsibility for the actions or outcomes of services provided by third-party professionals. Clients should conduct their own due diligence and ensure they are comfortable with the terms and conditions proposed by the referred professional. Training Event & Due Diligence Visits Our representatives are sometimes invited to attend training events or due diligence visits sponsored by investment managers or product companies. Sponsors may pay for travel, meals, and entertainment — including events at luxury resorts. These benefits could unconsciously influence us to favor those sponsors when making recommendations. We manage this risk through our fiduciary duty and by disclosing it to you. Additional Compensation Advisor can receive economic benefits from sources other than the client for providing advisory services. These benefits can take various forms, including sales awards, gifts, meals, or entertainment such as tickets to concerts, shows, or sporting events. Here's a more detailed explanation: Sales Awards Recognitions or bonuses given for achieving certain targets or performance metrics, often provided by product sponsors or financial institutions. Gifts These can range from small tokens of appreciation to more significant items, potentially offered by business partners or vendors. Clearview Financial Partners, LLC Page 12 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Meals & Entertainment Occasional meals, invitations to events, or tickets to entertainment activities provided by third-party entities, such as product sponsors or other financial service providers. These economic benefits create a conflict of interest, as they can unconsciously influence decisions regarding the selection of products and/or services. For instance, an advisor might be more inclined to recommend products from a sponsor that offers more generous incentives. This influence can affect the objectivity of recommendations; however, Advisor has a fiduciary duty to act in a client’s best interest. Other Fees and Expenses Clients (not in a wrap fee program) will incur transaction charges for trades executed in their accounts. These transaction fees are separate from our fees. Also, clients will pay the following separately incurred expenses, which we do not receive any part of such as, charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses). If a Client’s assets are invested in mutual funds or other pooled investment products, clients should be aware that there will be two layers of advisory fees and expenses for those assets. Client will pay a fee to the fund manager and other expenses as a shareholder of the fund. Most of the mutual funds available in the program may be purchased directly. Therefore, Clients could generally avoid the second layer of fees by not using the management services of Advisor and by making their own investment decisions. Further information regarding fees assessed by a mutual fund is available in the appropriate prospectus. Wrap Fee Program Clearview Financial Partners is the sponsor and acts as the portfolio manager of a wrap fee program. Please see the separate Wrap Fee Program Brochure (Appendix 1) for additional details. The fee structure of a wrap fee program warrants additional consideration with respect to the selection of mutual fund share classes. Private Fund Compensation With respect to Clearview Fund I LP, the affiliated general partner and/or the Adviser receives a management fee and may receive a performance-based allocation (carried interest) as described in the Fund Offering Documents. To the extent a client’s separately managed account assets are invested in the Fund, the Adviser will not charge its separate-account advisory fee on those assets in addition to the Fund-level management fee, so that clients are not charged advisory fees at two levels on the same assets. Termination Clients may terminate the agreement without penalty for a full refund of fees within five business days of signing an agreement. Thereafter, clients may terminate the agreement with 30 days’ written notice. If the advisory agreement is terminated before the end of the quarterly period, the client is entitled to a pro-rated refund of any pre-paid quarterly advisory fee based on the number of days remaining in the quarter after the termination date, which will be processed by the custodian. Interests in Clearview Fund I LP are subject to the separate withdrawal, redemption, and lock-up provisions set forth in the Fund Offering Documents and are generally illiquid. Financial Planning and Retirement Plan Consulting Fees If financial planning is provided separately, the fee is generally based on the estimated time required multiplied by a negotiated hourly rate of up to $300, depending on the complexity involved and credentials required. As circumstances warrant, an hourly rate of more than $300 may be negotiated. Payment is generally 50% in advance and the balance upon completion. A financial planning engagement is considered terminated upon delivery of a plan. The fee for Retirement Plan Consulting is set out in a separate agreement and is debited quarterly in advance or in arrears. Clearview Financial Partners, LLC Page 13 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 6 — Performance-Based Fees and Side-by-Side Management The affiliated general partner of Clearview Fund I LP may receive a performance-based allocation (commonly called carried interest) with respect to the Fund, as described in the Fund Offering Documents. Performance-based compensation is charged only to investors who meet the “qualified client” standard of Rule 205-3 under the Advisers Act. Because the Advisor manages both the Fund (which bears a performance-based allocation) and separately managed accounts (which are charged asset-based fees), the Advisor engages in side-by-side management. Side-by- side management creates a conflict of interest because the Adviser has a financial incentive to favor the account or vehicle that pays performance-based compensation when allocating investment opportunities or time. The Advisor addresses this conflict through its allocation policies and procedures, which are designed to allocate investment opportunities fairly and equitably over time, and through its fiduciary duty to act in the best interests of all clients. REGULATORY CITATION Advisers Act Section 205(a)(1) and Rule 205-3 (qualified client exemption); Section 206 (anti-fraud / fiduciary duty). Item 7 — Types of Clients Clearview Financial Partners generally provides advice to individuals and high-net-worth individuals. The advisory services offered are also available to small businesses, banks and thrift institutions, estates, charitable organizations, state and municipal government entities, corporations, and pension plans as opportunities arise. In addition, the Adviser provides investment management services to a pooled investment vehicle, Clearview Fund I LP, whose investors must be accredited investors and, where performance-based compensation applies, qualified clients. • The account minimum for an asset management account is generally $1,000,000. • The minimum investment in Clearview Fund I LP is set forth in the Fund Offering Documents. Item 8 — Methods of Analysis, Investment Strategies, and Risk of Loss A client’s portfolio may include assets of publicly held companies in the United States and foreign markets, including both equities and fixed income assets. Other holdings may include domestic and foreign debt instruments, REITs, mutual funds, and private placements. Analysis and strategies are generally based on publicly available data, a client’s net worth, risk tolerance, goals for investment account funds, and third-party research. Each client portfolio is initially designed to meet a particular investment goal determined to be appropriate for the client’s circumstances. The portfolio is reviewed regularly and, if appropriate, rebalanced based on the client’s individual needs, stated goals, and objectives. Investing in securities involves risk of loss that clients should be prepared to bear. There are different types of investments that involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy will be profitable or equal any specific performance level. Past performance is not indicative of future results. General Risks of Loss Clearview Financial Partners, LLC Page 14 of 35 • AI-Related Risk: Advisor utilizes Artificial Intelligence (AI) and/or Machine Learning (ML) technologies in certain aspects of its advisory services. While these technologies aim to enhance efficiency, accuracy, and investment outcomes, their use introduces specific risks that clients should consider. The use of AI in decision- making can result in overreliance on technology, potentially reducing human oversight. Unexpected system ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC malfunctions, algorithmic errors, or misinterpretations of AI-generated insights could adversely affect investment outcomes. Advisor requires human oversight of AI tools. Clients are encouraged to discuss any concerns about AI-related risks. • Cybersecurity Risk: We and our service providers depend on technology systems that could be compromised by cyberattacks. A breach could disrupt trading, expose your personal data, or result in financial loss. The computer systems, networks and devices used by us and our service providers employ a variety of protections designed to prevent damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data, or causing operational disruption, as well as denial-of- service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of us or our service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. • Exchange Traded Fund and Mutual Fund Risk: The risk of owning an ETF or mutual fund generally reflects the risks of owning the underlying securities the ETF or mutual fund holds. Clients may incur additional costs associated with ETFs and mutual funds (see Item 5). Consumer Discretionary ETF Shares are listed for trading on NYSE Arca and can be bought and sold on the secondary market at market prices. Although it is expected that the market price of a Consumer Discretionary ETF Share typically will approximate its net asset value (NAV), there may be times when the market price and the NAV vary significantly. Thus, the client may pay more or less than NAV when the Consumer Discretionary ETF Shares are purchased on the secondary market, and the client may receive more or less than NAV when you sell those shares. Although Consumer Discretionary ETF Shares are listed for trading on NYSE Arca, it is possible that an active trading market may not be maintained and Trading of Consumer Discretionary ETF Shares on NYSE Arca may be halted by the activation of individual or market wide "circuit breakers" (which halt trading for a specific period of time when the price of a particular security or overall market prices decline by a specified percentage). Trading of Consumer Discretionary ETF Shares may also be halted if the shares are delisted. • Market Risk: the risk that the value of securities may rise or fall, sometimes rapidly or unpredictably, due to factors affecting securities markets generally or particular industries • Interest Rate Risk: the risk that fixed income securities will decline in value because of an increase in interest rates; longer-duration instruments are more sensitive to rate changes. • Credit Risk: the risk that an investor could lose money if the issuer or guarantor of a fixed income security is unable or unwilling to meet its obligations. • Liquidity Risk: the possibility that an investor may not be able to buy or sell an investment when desired, or in sufficient quantities, because opportunities are limited. • Inflationary Risk: the risk that future inflation will cause the purchasing power of cash flow from an investment to decline. • Currency/Exchange Rate Risk: the risk of a change in the price of one currency against another. Clearview Financial Partners, LLC Page 15 of 35 • Pandemic Risk: Large-scale outbreaks of infectious disease that can greatly increase morbidity and mortality over a wide geographic area, crossing international boundaries, and causing significant economic, social, and political disruption. For example, the novel coronavirus known as COVID-19 involves significant risk of a ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC sustained increase in the volatility of global markets, which volatility could continue for the foreseeable future. Market responses to decisions made by governments and scientists around the world, including measures to contain the spread of the virus, availability of healthcare and treatments, and rolling shutdowns of markets across the globe would negatively impact markets and pose a significant risk of loss to investment principal. The pandemic also poses a risk from a human capital and resource perspective. Private Fund and Private Markets Risks An investment in Clearview Fund I LP involves a high degree of risk, including the risk of loss of the entire investment, and is suitable only for sophisticated investors who can bear such risk. These risks are described in full in the Fund Offering Documents and include, among others: • Illiquidity and Lock-Up: Fund interests are illiquid, are not freely transferable, and are subject to significant withdrawal restrictions and lock-up periods. There is no public market for Fund interests. • Long-Term Horizon: the Fund’s private equity, private credit, and private real estate investments are long-term and may not produce returns or distributions for an extended period. • Valuation Uncertainty: the Fund holds assets for which market quotations are not readily available; valuations are estimates and may not reflect realizable value. • Underlying Fund / Multi-Manager Risk: the Fund invests in Underlying Funds managed by third-party Portfolio Managers and bears its proportionate share of those funds’ fees and expenses, resulting in layered fees; the Adviser has limited control over, and limited transparency into, Underlying Funds. • Leverage: the Fund and Underlying Funds may use leverage, which magnifies both gains and losses. • Concentration: the Fund may hold concentrated positions in particular companies, sectors, or assets, increasing the impact of adverse developments. • Limited Information: because the Fund invests in private markets, detailed holdings, sector allocations, and target-return information are limited and generally available only through a secure investor portal. Methods of Analysis and Investment Strategies We use a combination of the following analytical approaches: • Fundamental Analysis: This method involves examining a company’s financial statements, market position, management quality, and economic conditions to estimate its intrinsic value. It helps investors identify stocks that are mispriced by the market. • Technical Analysis: Focuses on historical price movements and trading volumes to forecast future price trends. Technical analysts use charts and other tools to identify patterns and indicators that suggest buying or selling opportunities. • Behavioral Analysis: Examines psychological factors and market sentiment that can affect investor behavior and market outcomes. It explores how cognitive biases and emotions can lead to irrational investment decisions. • Quantitative Analysis: Relies on mathematical models and statistical techniques to evaluate investment opportunities. This method often involves analyzing data sets to identify trends, correlations, and potential arbitrage opportunities. Clearview Financial Partners, LLC Page 16 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC • Cyclical Analysis: Involves studying economic cycles to determine the optimal timing for investment decisions. This approach is useful for identifying opportunities related to business cycles and economic expansions or contractions. Helps identify buy and sell opportunities based on economic cycles. Useful for timing investments in cyclical industries. • Charting Analysis: Utilizes visual representations of price data to identify trends and potential reversal points. This method is often used in conjunction with technical analysis for a more nuanced understanding of market dynamic. Offers a visual representation of price movements and patterns. Useful for identifying trends and potential reversal points. Can be used in conjunction with technical indicators for more precise analysis. • Efficient Market Strategies: Based on the Efficient Market Hypothesis, this approach assumes that asset prices reflect all available information. Strategies here might focus on passive investing, such as index tracking, to align with market performance. Emphasizes diversification and long-term investment strategies. Reduces the need for active management and frequent trading. Aligns with the philosophy that markets incorporate all available information. • Tactical Analysis: Allows for adaptive changes to portfolios based on short-term market forecasts and conditions. This strategy aims to exploit transient market opportunities while managing risks. Allows for active adjustments to portfolios based on short-term market forecasts. Can capitalize on market opportunities or avoid potential downturns. Provides flexibility to shift asset allocations in response to changing market conditions. • Modern Portfolio Theory (MPT): a mathematical framework for constructing a portfolio of assets such that the expected return is maximized for a given level of risk, defined as variance. Developed by Harry Markowitz in the 1950s, MPT emphasizes the benefits of diversification and is foundational in investment management. Types of Investments Investments encompass a wide range of asset classes and financial instruments, each offering distinct features, risk profiles, and potential returns. Each investment type has unique attributes that can align with different financial goals, risk tolerances, and investment horizons. Diversification across these types can help manage risk and optimize potential returns. The following types of investments are considered. • Annuities: Retirement products for those who may have the ability to pay a premium now and want to guarantee they receive certain monthly payments or a return on investment later in the future. Annuities are contracts issued by a life insurance company designed to meet requirement or other long-term goals. An annuity is not a life insurance policy. Variable annuities are designed to be long-term investments, to meet retirement and other long-range goals. Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. Variable annuities also involve investment risks, just as mutual funds do. • Multi-Year Guaranteed Annuity (MYGA): A MYGA, or Multi-Year Guaranteed Annuity, is a type of fixed annuity that offers a guaranteed interest rate for a specified period, typically ranging from 3 to 10 years. It functions similarly to a Certificate of Deposit (CD), but instead of being offered by a bank, it is provided by an insurance company. Reported quarter-end values may be slightly off due to estimation of values. • Fixed Rate Single Premium Annuity: A fixed rate single premium annuity is an insurance product designed to provide a stable income stream over a specified period in exchange for a one-time upfront payment, known as the single premium. Income distributions can be structured to last for a specific number of years, until death, Clearview Financial Partners, LLC Page 17 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC or for a combination of both. A fixed rate single premium annuity provides a lower-risk investment option than variable annuities or other market-dependent investments. Annual contracts and features vary by state and may not be available in all states. Fixed-rate annuities do not adjust for inflation, meaning the purchasing power of the income payments will decrease over time. Annuities are backed by the financial strength and claims-paying ability of the issuing life insurance carrier. • Cash Positions: Based on a perceived or anticipated market conditions and/or events, certain assets will be taken out of the market and held in a defensive cash position. The firm invests cash balances in money market funds, FDIC Insured Certificates of Deposit, high-grade commercial paper and/or government- backed debt instruments. Cash positions are subject to the agreed upon advisory fee as they are managed as part of the overall active investment strategy. The firm does not hold cash positions for an extended period of time. • Cryptocurrency: Cryptocurrencies refer to the actual virtual currency (decentralized digitized money) that allows individuals or entities to transfer funds online without the need for a bank or credit card company, such as Bitcoin, Ethereum, Cardona, and Litecoin. Cryptocurrency is Cryptocurrencies were not designed to be investments and have not been deemed to be a security. They were designed to be mediums of exchange and seen as an alternative to traditional sovereign currencies. Cryptocurrency-related products refer to securities that either directly purchase cryptocurrencies or are involved in the cryptocurrency space, such as through mining cryptocurrency, investing in companies that develop and use blockchain technology, etc. The SEC, CFTC, NFA, and FINRA have issued investor alerts and advisories on the risks of cryptocurrencies and initial coin offerings (ICOs). These regulators continue to warn investors to keep in mind that actual cryptocurrency and cryptocurrency-related products continue to be speculative and extremely volatile investments. Due to the unregulated nature and lack of transparency surrounding the operations of crypto exchanges, they may experience fraud, market manipulation, security failures or operational problems, which can adversely affect the value of cryptocurrencies and, consequently, the value of the shares of cryptocurrency-related products. • Emerging Markets: The risks of foreign investments typically are greater in less developed countries, sometimes referred to as emerging markets. For example, political and economic structures in these countries may be less established and may change rapidly. These countries also are more likely to experience high levels of inflation, deflation, or currency devaluation, which can harm their economies and securities markets and increase volatility. Restrictions on currency trading that may be imposed by emerging market countries will have an adverse effect on the value of the securities of companies that trade or operate in such countries. • Equity: Investment generally refers to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environment. Clearview Financial Partners, LLC Page 18 of 35 • Exchange Traded Funds (ETFs): An ETF is a portfolio of securities invested to track a market index similar to an index mutual fund, but the shares are traded on an exchange like an equity. An ETF share price fluctuates intraday depending on market conditions instead of having a net asset value (NAV) that is calculated once at the end of the day. The shares may trade at a premium or discount; and as a result, investors pay more or less when purchasing shares and receive more or less than when selling shares. The supply of ETF shares is regulated through a mechanism known as creation and redemption that involves large, specialized investors, known as authorized participants (APs). Authorized participants are large financial institutions with a high degree of buying power, such as market makers, banks or investment companies that provide market liquidity. When there is a shortage of shares in the market, the authorized participant creates more (creation). ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Conversely, the authorized participant will reduce shares in circulation (redemption) when supply falls short of demand. Multiple authorized participants help improve the liquidity of a particular ETF and stabilize the share price. To the extent that authorized participants cannot or are otherwise unwilling to engage in creation and redemption transactions, shares of an ETF tend to trade at a significant discount or premium and may face trading halts and delisting from the exchange. The performance of ETFs is subject to market risk, including the complete loss of principal. ETFs also have a trading risk based on cost inefficiency if the ETFs are actively traded and a liquidity risk if the ETFs has a large price spread and low trading volume. In addition, investors buying or selling shares in the secondary market pay brokerage commissions, which may be a significant proportional cost not incurred by mutual funds. • Exchange-Traded Notes (ETNs): An ETN is a senior unsecured debt obligation designed to track the total return of an underlying market index or other benchmark. ETNs may be linked to a variety of assets, for example, commodity futures, foreign currency and equities. ETNs are similar to ETFs in that they are listed on an exchange and can typically be bought or sold throughout the trading day. However, an ETN is not a mutual fund and does not have a net asset value; the ETN trades at the prevailing market price. Some of the more common risks of an ETN are as follows. The repayment of the principal, interest (if any), and the payment of any returns at maturity or upon redemption are dependent upon the ETN issuer’s ability to pay. In addition, the trading price of the ETN in the secondary market may be adversely impacted if the issuer’s credit rating is downgraded. The index or asset class for performance replication in an ETN may or may not be concentrated in a specific sector, asset class or country and may therefore carry specific risks. • Fixed Income: Investments generally pay a return on a fixed schedule, though the amount of the payments can vary. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities, although individual bonds may be the best-known type of fixed income security. In general, the fixed income market is volatile and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. The risk of default on treasury inflation protected/inflation linked bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. • Hedge Funds and Managed Futures: Hedge and managed futures funds are available for purchase in the program by clients meeting certain qualification standards. Investing in these funds involves additional risks including, but not limited to, the risk of investment loss due to the use of leveraging and other speculative investment practices and the lack of liquidity and performance volatility. In addition, these funds are not required to provide periodic pricing or valuation information to investors and may involve complex tax structures and delays in distributing important tax information. Client should be aware that these funds are not liquid as there is no secondary trading market available. At the absolute discretion of the issuer of the fund, there may be certain repurchase offers made from time to time. However, there is no guarantee that client will be able to redeem the fund during the repurchase offer. • Mutual Funds: Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, money market instruments, and similar assets. Open-End Mutual Funds issue an unlimited number of shares and will buy back shares when investors decide to sell. They carry the risk of losing money, and all mutual funds have costs that can lower returns. Closed-End Mutual Funds raise a fixed amount of capital through an initial public offering (IPO) and trade on stock exchanges like stocks. They are Clearview Financial Partners, LLC Page 19 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC not as easily marketable, and investors might not be able to sell their shares easily. To provide some liquidity, these funds may periodically repurchase shares at net asset value. Alternative Investment Funds invest primarily in alternative assets or strategies, which might not be suitable for all investors. These funds involve special risks like those related to commodities, real estate, and derivatives, including issues of leverage and liquidity. • Options: A contract granting the right to either buy or sell a specific amount or value of a particular underlying interest at a fixed exercise price by exercising the option by or before its specific expiration date. The purchase or sale of an option involves the payment or receipt of a premium by the investor and the corresponding right or obligation, as the case may be, to either purchase or sell the underlying security, basket of securities, commodity or other instrument for a specific price at a certain time or during a certain period. Purchasing options involves the risk that the underlying instrument will not change price in the manner expected, so that the investor loses the premium paid. Selling options, on the other hand, involves potentially greater risk because the investor is exposed to the extent of the actual price movement in the underlying security (which could result in a potentially unlimited loss) rather than only the loss of the premium payment received. Prior to buying or selling an option, investors must read a copy of the Characteristics and Risks of Standardized Options, also known as the options disclosure document (ODD). It explains the characteristics and risks of exchange traded options. • Margin Accounts: Client should be aware that margin borrowing involves additional risks. Margin borrowing will result in increased gain if the value of the securities in the account go up, but will result in increased losses if the value of the securities in the account goes down. The custodian, acting as the client’s creditor, will have the authority to liquidate all or part of the account to repay any portion of the margin loan, even if the timing would be disadvantageous to the client. For performance illustration purposes, the margin interest charge will be treated as a withdrawal and will, therefore, not negatively impact the performance figures reflected on the quarterly advisory reports. • Precious Metal: Metals such as Gold, Silver, or Palladium Bullion backed “electronic shares” not physical metal) specifically may be negatively impacted by several unique factors, among them (1) large sales by the official sector which own a significant portion of aggregate world holdings in gold and other precious metals, (2) a significant increase in hedging activities by producers of gold or other precious metals, (3) a significant change in the attitude of speculators and investors. • Real Estate Investment Trusts (REITs): A real estate investment trust (REIT) is a company that owns, operates, or finances income-generating real estate. Modeled after mutual funds, REITs pool the capital of numerous investors. This makes it possible for individual investors to earn dividends from real estate investments—without having to buy, manage, or finance any properties themselves. REITs are designed to generate a steady income stream for investors but offer little in the way of capital appreciation. Most REITs are publicly traded like stocks, which makes them highly liquid (unlike physical real estate investments). REITs invest in most real estate property types, including apartment buildings, cell towers, data centers, hotels, medical facilities, offices, retail centers, and warehouses. In general, REITs specialize in a specific real estate sector. However, diversified and specialty REITs may hold different types of properties in their portfolios, such as a REIT that consists of both office and retail properties. Clearview Financial Partners, LLC Page 20 of 35 • Regulation D Private Placements: Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation D under the Securities Act provides a number of exemptions from the registration requirements, allowing some companies to offer and sell their securities without having to register the offering with the SEC. However, a "Form D" must be electronically filed with ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC the SEC after they first sell their securities. Form D is a brief notice that includes the names and addresses of the company’s promoters, executive officers and directors, and some details about the offering, but contains little other information about the company. • Short Sales: A short sale involves the sale of a security that the Client does not own in the hope of purchasing the same security at a later date at a lower price. To make delivery to the buyer, the Client must borrow the security and is obligated to return the security to the lender, which is accomplished by a later purchase of the security. The Client realizes a profit or a loss as a result of a short sale if the price of the security decreases or increases respectively between the date of the short sale and the date on which the Client covers its short position, i.e., purchases the security to replace the borrowed security. A short sale involves the theoretically unlimited risk of an increase in the market price of the security that would result in a theoretically unlimited loss. • Structured Products: Structured products are securities derived from another asset, such as a security or a basket of securities, an index, a commodity, a debt issuance, or a foreign currency. Structured products frequently limit the upside participation in the reference asset. Structured products are senior unsecured debt of the issuing bank and subject to the credit risk associated with that issuer. This credit risk exists whether or not the investment held in the account offers principal protection. The creditworthiness of the issuer does not affect or enhance the likely performance of the investment other than the ability of the issuer to meet its obligations. Any payments due at maturity are dependent on the issuer’s ability to pay. In addition, the trading price of the security in the secondary market, if there is one, may be adversely impacted if the issuer’s credit rating is downgraded. Some structured products offer full protection of the principal invested, others offer only partial or no protection. Investors may be sacrificing a higher yield to obtain the principal guarantee. In addition, the principal guarantee relates to nominal principal and does not offer inflation protection. An investor in a structured product never has a claim on the underlying investment, whether a security, zero coupon bond, or option. There may be little or no secondary market for the securities and information regarding independent market pricing for the securities may be limited. This is true even if the product has a ticker symbol or has been approved for listing on an exchange. Tax treatment of structured products may be different from other investments held in the account (e.g., income may be taxed as ordinary income even though payment is not received until maturity). Structured CDs that are insured by the FDIC are subject to applicable FDIC limits. • Unit Investment Trust (UIT): An investment company that offers a fixed, unmanaged portfolio, generally of stocks and bonds, as redeemable "units" to investors for a specific period of time. It is designed to provide capital appreciation and/or dividend income. UITs can be resold in the secondary market. A UIT may be either a regulated investment corporation (RIC) or a grantor trust. The former is a corporation in which the investors are joint owners; the latter grants investors proportional ownership in the UIT's underlying securities. Item 9 — Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to a client’s evaluation of the Firm or the integrity of the Firm’s management. There are no legal or material disciplinary events to disclose. Information is publicly available by selecting the Investment Adviser Search option at www.adviserinfo.sec.gov. Clearview Financial Partners, LLC Page 21 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 10 — Other Financial Industry Activities and Affiliations Broker-Dealer Registration Advisor does not have a broker/dealer affiliation. Material Relationships and Affiliations Advisor does not have an insurance agency affiliation. Futures/Commodity Registration Neither Advisor nor any of the management persons are registered or has a registration pending to register as a futures commission merchant, commodity pool operator, a commodity trading advisor, or an associated person of the foregoing entities. Recommendation of Other Investment Advisers Advisor does not recommend or select other investment advisers for its clients, and does not receive compensation directly or indirectly from other advisers that would create a material conflict of interest. Advisor does not have business relationships with other investment advisers that create material conflicts of interest with clients. Insurance Agency Affiliations Certain Investment Advisor Representatives are also a licensed insurance agents. Insurance Agents earn commission compensation for selling insurance products. Commissions generated by insurance sales do not offset regular advisory fees. This represents a conflict of interest. Clients are under no obligation to implement any recommendations made. IARs of Clearview Financial Partners can also be insurance agents/brokers and may offer insurance products and receive customary commissions, in states where the representative is properly licensed. An IAR is not paid both an advisory fee and a commission for the same product. The conflict created by differing payment structures is mitigated by the IAR’s fiduciary duty to act in the client’s best interest. Affiliated General Partner of Clearview Fund I LP The Adviser is affiliated with the general partner of Clearview Fund I LP and manages the Fund. This affiliation is a material conflict of interest: the Adviser has a financial incentive to recommend that eligible clients invest in the Fund because the affiliated general partner and/or the Adviser receives management fees and may receive a performance- based allocation from the Fund. The Adviser addresses this conflict by recommending the Fund only to clients for whom it is suitable and who meet applicable eligibility standards (accredited investor and, where applicable, qualified client), by providing the Fund Offering Documents, and through its fiduciary duty. Clients are under no obligation to invest in the Fund. Other Affiliations Mr. Fitzgerald is the owner of a separate legal entity, Blue Skies Financial LLC, held solely for tax and investment purposes; the entity does not provide services or conduct business, and there are no conflicts of interest to disclose. Item 11 — Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading Clearview Financial Partners maintains a Code of Ethics that establishes a standard of business conduct for all supervised persons based on the principles of openness, integrity, honesty, and trust. The Code of Ethics includes guidelines regarding personal securities transactions, an Insider Trading policy, and Personal Securities Transactions policies and procedures. Upon employment or affiliation, and at least annually thereafter, all supervised persons sign an acknowledgment that they have read, understand, and agree to comply with the Code of Ethics. Clearview Financial Partners, LLC Page 22 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC • The Code requires our staff to put your interests ahead of their own. • You may request a copy of the Code at any time by contacting us. As a fiduciary, the Adviser has a duty to provide fair and full disclosure of all material facts and to act solely in the best interest of each client at all times. The Code of Ethics permits supervised persons and related persons to invest in the same or different securities that an IAR may purchase for clients in program accounts; this creates a conflict of interest that is monitored under the Code of Ethics. Personal Trading in Same Securities as Clients Advisor allows our Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities, we recommend (purchase or sell) to you presents a conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures. As noted above, we have adopted a Code of Ethics to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. Personal Trading at Same Time as Clients Supervised Persons may not purchase or sell any security immediately prior to or immediately after a transaction being implemented for an advisory account, thereby preventing an employee from benefiting from transactions placed on behalf of advisory accounts. Participation or Interest in Client Transactions - Private Fund The Advisor and its related persons have a financial interest in Clearview Fund I LP through the affiliated general partner. When the Adviser recommends that an eligible client invest in the Fund, the Adviser is recommending a security in which a related person has a financial interest, which is a conflict of interest. This conflict is disclosed in Items 5, 6, and 10, is mitigated by the Adviser’s fiduciary duty and eligibility screening, and is subject to review by the CCO. Related-person investments in the Fund and personal securities transactions are reported and reviewed under the Code of Ethics. Item 12 — Brokerage Practices We consider the following when recommending a custodian: execution quality, commission rates, range of investment options, research and technology support, and financial stability. We are not required to select the custodian with the lowest commissions if other factors better serve your interests. Best Execution Best Execution In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker-dealer’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although we will seek competitive rates, for the benefit of all clients, we may not necessarily obtain the lowest possible commission rates for specific client account transactions. Our recommendations to our clients are based on our clients’ interests in receiving best execution and the level of competitive, professional services. Soft Dollars Clearview Financial Partners receives soft dollar and support services and/or products from their custodians which assist the firm to better monitor and service client accounts. These support services and/or products may be received without cost, at a discount, and/or at a negotiated rate, and may include the following: investment-related research; pricing information and market data; software and other technology that provide access to client account data; Clearview Financial Partners, LLC Page 23 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC compliance and/or practice management-related publications; consulting services; attendance at conferences, meetings, and other educational and/or social events; marketing support; computer hardware and/or software; and, other products and services used in furtherance of investment advisory business operations. These support services are provided to Clearview Financial Partners based on the overall relationship between Clearview Financial Partners. Trade Aggregation Clearview Financial Partners and its related persons may aggregate transactions in equity and fixed income securities for a client with other clients to improve the quality of execution. When transactions are so aggregated, the actual prices applicable to the aggregated transactions will be averaged, and the client account will be deemed to have purchased or sold its proportionate share of the securities involved at the average price obtained. Clearview Financial Partners and its related persons may determine not to aggregate transactions, for example, based on the size of the trades, number of client accounts, the timing of trades, and the liquidity of the securities and the discretionary or nondiscretionary nature of the trades. If Clearview Financial Partners or its related persons do not aggregate orders, some clients purchasing securities around the same time may receive a less favorable price than other clients. This means that this practice of not aggregating may cost clients more money. Brokerage for Client Referrals Advisor does not receive any compensation from any third party in connection with the recommendation for establishing a brokerage account. Directed Brokerage Advisor recommends that clients establish a brokerage account with a selected qualified custodian for custody and trade execution purposes. Advisor does not otherwise direct clients to use a specific broker-dealer for trade execution beyond the recommended custodian. This recommendation is made in order to receive certain support services from the custodian, which represents a potential conflict of interest. Clients are not required to use the recommended custodian, but doing so is a condition of participating in certain services offered by the Advisor. Where a client directs brokerage to a specific broker-dealer, the Advisor may be unable to achieve the most favorable execution of client transactions, and the practice may cost clients more money. For example, in a directed brokerage account, the client may pay higher brokerage commissions because the Advisor may not be able to aggregate orders to reduce transaction costs, or the client may receive less favorable prices. Item 13 — Review of Accounts Account surveillance is conducted on an ongoing basis by David Fitzgerald, the Chief Compliance Officer. Client review periods are generally annual, depending on market conditions, the client’s funding needs, and changes in investment objectives. If a client experiences a change in financial situation, the Firm performs a review to confirm the portfolio remains appropriate. Clients receive, at least quarterly, written transaction confirmations and summary account statements directly from the qualified custodian and/or program sponsor. • Clients are responsible for advising of any changes in their investment objectives and/or financial situation. • Clients are encouraged to review financial planning issues, investment objectives, and account performance with their IAR on an annual basis. Private Fund Reporting Investors in Clearview Fund I LP receive reporting as described in the Fund Offering Documents, which may include periodic capital account statements, audited annual financial statements, and tax reporting (e.g., Schedule K-1). Detailed Fund holdings information is generally available only through a secure investor portal. Clearview Financial Partners, LLC Page 24 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 14 — Client Referrals and Other Compensation Any cash or non-cash compensation arrangement with a promoter for client referrals will comply with the SEC Marketing Rule (Advisers Act Rule 206(4)-1), including required promoter disclosures and, where applicable, written agreements and oversight. Clients referred through any such arrangement will not pay a higher fee as a result of the referral. REGULATORY CITATION Advisers Act Rule 206(4)-1 (Marketing Rule), as amended (compliance date November 4, 2022), replacing former Rules 206(4)-1 and 206(4)-3. Item 15 — Custody Except as described below with respect to the private fund, Clearview Financial Partners does not have physical custody of client funds or securities but is deemed to have limited custody as a result of its authority to deduct advisory fees directly from client accounts. The qualified custodian sends account statements at least quarterly to clients, showing all disbursements, including the amount of advisory fees paid, the value of client assets on which the fee was based, and the manner in which the fee was calculated. Clients should review the fee calculated and deducted by the custodian to confirm it was calculated correctly. • Clients may authorize advisory fees to be deducted in advance from the client advisory account, or may receive an invoice for fees deducted in arrears. • Payment of fees may result in the liquidation of a client’s positions if there are insufficient funds in the account. • Fees are assessed on all assets in the account(s), including securities, cash, and money market balances. Margin debits do not reduce the value of the assets for billing purposes. Custody of Private Fund Assets Because the Adviser is affiliated with the general partner of Clearview Fund I LP and has authority over Fund assets, the Adviser is deemed to have custody of the Fund’s assets under Advisers Act Rule 206(4)-2. The Adviser intends to comply with the custody rule by relying on the “audited financial statements” exception: the Fund will be audited at least annually by an independent public accountant registered with, and subject to inspection by, the PCAOB, and audited financial statements prepared in accordance with U.S. GAAP will be distributed to all Fund investors within 120 days of the Fund’s fiscal year-end (180 days for a fund of funds). REGULATORY CITATION Advisers Act Rule 206(4)-2 (Custody Rule); pooled-vehicle audited-financial-statement exception, Rule 206(4)-2(b)(4). Item 16 — Investment Discretion Clearview Financial Partners provides investment advisory services on a discretionary basis. Before the Firm assumes discretionary authority over a client’s account, the client must grant permission by executing an advisory agreement naming the Firm as the client’s attorney-in-fact and agent. This authority grants the Firm full discretion to buy and sell the type and amount of securities on behalf of the client, or otherwise effect investment transactions involving the assets in the client’s discretionary account. With respect to Clearview Fund I LP, the Adviser exercises investment discretion over Fund assets in accordance with the Fund Offering Documents. Clearview Financial Partners, LLC Page 25 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 17 — Voting Client Securities Clearview Financial Partners does not vote client proxies. Clients receive their proxies and other solicitations directly from their custodian and retain exclusive responsibility for voting proxies and for making elections relating to mergers, acquisitions, tender offers, bankruptcy proceedings, and similar events for securities in their accounts. Clients may contact the Firm at (610) 293-9211 with questions about a particular solicitation; for assistance on a proxy voting issue, clients should contact the offering company. Third-party money managers selected or recommended by the Firm may vote proxies for clients; except where a third-party manager votes proxies, clients maintain exclusive proxy- voting responsibility. Item 18 — Financial Information Clearview Financial Partners does not require or solicit prepayment of more than $1,200 in fees per client six or more months in advance. There are no financial conditions reasonably likely to impair the Firm’s ability to meet contractual commitments to clients. The Firm has not been the subject of a bankruptcy petition. [Remainder of Page Intentionally Left Blank] Clearview Financial Partners, LLC Page 26 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 1 — Cover Page Registered as Clearview Financial Partners, LLC | CRD No. 286168 Doing Business As: Clearview Financial Partners Wrap Fee Program Brochure (Appendix 1 to Form ADV Part 2A) 100 Matsonford Road – Building #5, Suite 110 | Radnor, PA 19087 | Phone: (610) 293-9211 NOTICE TO PROSPECTIVE CLIENTS: READ THIS DISCLOSURE BROCHURE IN ITS ENTIRETY June 15, 2026 This brochure provides information about the qualifications and business practices of Clearview Financial Partners. If you have any questions about its contents, please contact us at (610) 293-9211 or david@cvfpartners.com. The information in this brochure has not been approved or verified by the SEC or by any state securities authority. Additional information is available at www.adviserinfo.sec.gov. Registration does not imply a certain level of skill or training. If a copy of this brochure is not provided at least 48 hours prior to signing a contract, clients have five (5) business days to cancel without penalty. Clearview Financial Partners, LLC Page 27 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 2 — Material Changes There are no material changes to disclose since the previous annual amendment filed on March 15, 2025. We will ensure that you receive a summary of any material changes within 120 days of the close of our fiscal year and will provide a new Brochure as necessary, without charge. 1. There are no additional material changes to disclose Clearview Financial Partners, LLC Page 28 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 3 — Table of Contents Item 1 — Cover Page .......................................................................................................................................................... 27 Item 2 — Material Changes ................................................................................................................................................. 28 Item 3 — Table of Contents ............................................................................................................................................... 29 Item 4 — Services, Fees, and Compensation .................................................................................................................... 30 Item 5 — Account Requirements and Types of Clients ................................................................................................... 31 Item 6 — Portfolio Manager Selection and Evaluation .................................................................................................... 32 Item 7 — Client Information Provided to Portfolio Managers ....................................................................................... 32 Item 8 — Client Contact with Portfolio Managers ........................................................................................................... 32 Item 9 — Additional Information ...................................................................................................................................... 32 Clearview Financial Partners, LLC Page 29 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 4 — Services, Fees, and Compensation Services Clearview Financial Partners offers discretionary asset management services on a wrap or non-wrap fee basis. The Firm does not directly hold securities or have direct access to client assets except with respect to its affiliated private fund. Client accounts are maintained at one or more qualified custodians. Firm Management David L. Fitzgerald (CRD No. 1927550) is the principal owner with a 100% ownership interest and serves as President and Chief Compliance Officer (CCO). Mr. Fitzgerald is also an insurance agent of various unaffiliated insurance carriers. He has worked in financial services since 1989 after graduating from Drexel University with dual degrees in Finance and Marketing. Fees In the Clearview Financial Partners Wrap program, clients pay a single annual advisory fee for advisory services and the execution of transactions. Clients do not pay brokerage commissions, markups, or transaction charges in addition to the advisory fee. The advisory fee is negotiable and is set out in the advisory agreement. The fee is a percentage of all assets in the account, including cash. Assets Under Management Annual Fee $0 – $1,000,000 1.60% $1,000,001 – $3,000,000 1.35% $3,000,001 – $4,000,000 1.00% $4,000,001 – $5,000,000 0.90% Over $5,000,000 Negotiable The advisory fee will be calculated and deducted quarterly, in advance or in arrears, based on written client authorization. If the agreement is terminated before the end of a quarter, the client is entitled to a pro-rated refund of any pre-paid fee for the remaining days in the quarter, processed by the custodian. Mutual Fund Share Class Disclosure and Fiduciary Duty (12b-1 Fees) Section 206 of the Advisers Act imposes a fiduciary duty to act in a client’s best interests. When selecting a mutual fund share class, the IAR has a fiduciary duty to select the share class that appropriately manages the overall fee structure of the account. In a wrap program, A-share ticket charges are paid by the adviser and included in the wrap fee, so A shares do not offer the same client benefit as in a non-wrap account; conversely, the adviser then has an incentive to trade less frequently to avoid ticket charges, which is mitigated by the IAR’s fiduciary duty and the higher wrap fee. Other Types of Fees and Charges Program accounts incur additional third-party fees not shared by the Firm, including custodian and executing broker- dealer charges, mutual fund/ETF expenses (a second layer of fees for pooled products), contingent deferred sales charges, redemption and frequent-trading fees, and variable annuity mortality, expense, administrative, and rider Clearview Financial Partners, LLC Page 30 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC charges. Clients are notified of custodial charges at account opening, and further information is available in the applicable prospectus. Private Fund Within the Wrap Context To the extent an eligible client allocates assets to the Firm’s affiliated private fund, Clearview Fund I LP, those assets are subject to the separate fee, conflict, and risk disclosures in the Form ADV Part 2A and the Fund Offering Documents, and are generally not held in a wrap program account. The Firm will not charge a wrap or separate- account advisory fee on assets invested in the Fund in addition to the Fund-level management fee. Other Considerations The advisory fee may cost more than purchasing the program services separately or holding assets in a brokerage account; clients following a buy-and-hold strategy or not wishing ongoing advice should consider a brokerage account. The Firm receives compensation for recommending the program, creating an incentive to recommend it over other programs, mitigated by the Firm’s fiduciary duty. Investment products available in the program may be purchased elsewhere. IARs who are insurance agents may earn commissions, a conflict subject to CCO review. Retirement Plan Consulting, ERISA, and Rollovers IARs may provide fee-based retirement plan consulting (IPS assistance, liaison services, monitoring, performance reporting, recommendations, committee education, and enrollment support). Where engaged to provide ongoing monitoring and recommendations to an ERISA plan, the IAR is an ERISA fiduciary under Section 3(21)(A)(ii); other services are not ERISA “investment advice.” For rollovers, the Firm may recommend rolling retirement assets into an IRA it manages and has a financial incentive to do so, mitigated by its fiduciary duty. Third-Party Investment Advisers The Firm may refer clients to third-party advisers (properly registered/notice-filed) and receives compensation for such referrals and ongoing services, typically a percentage of the third-party adviser’s fee. This creates an incentive to recommend one third-party adviser over another, mitigated by the Firm’s fiduciary duty. Clients receive full disclosure, including the third-party adviser’s Form ADV 2A and a solicitation disclosure statement. eMoney Advisor Platform and Artificial Intelligence The Firm may provide clients access to the eMoney Advisor platform to view complete asset allocation, including Excluded Assets, and to use financial planning tools. The Firm exercises a fiduciary duty only when engaged to manage otherwise-excluded assets or to provide guidance using the planning tools. The Firm may use supervised, transparent AI tools (e.g., real-time note-taking, research, and project management) consistent with its data-privacy and ethics commitments; participants are informed of AI usage and may opt out of AI-generated note-taking. Item 5 — Account Requirements and Types of Clients The Firm generally provides advice to individuals, high-net-worth individuals, and small businesses, and also to banks/thrifts, estates, charitable organizations, government entities, corporations, and pension plans. The account minimum is generally $1,000,000; the Firm may open a smaller account at management’s discretion. The Firm also manages the affiliated private fund, Clearview Fund I LP, available only to accredited investors and, where performance-based compensation applies, qualified clients. Clearview Financial Partners, LLC Page 31 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Item 6 — Portfolio Manager Selection and Evaluation In the wrap program, Clearview Financial Partners is responsible for the investment advice and management. IARs serve as the portfolio manager and are generally required to have several years of experience and a college degree and/or professional designation. Because IARs serve directly as portfolio manager, there is no selection process for outside portfolio managers. Performance reports are provided quarterly by the Firm or the custodian. The wrap program is managed the same way as other accounts; the Firm may charge up to 1.60% and the combined total fee will not exceed 1.60%. Methods of Analysis, Investment Strategies, and Risk of Loss Analysis and strategies are generally based on publicly available data, a client’s net worth, risk tolerance, goals, and third-party research. Each portfolio is designed for a particular goal and reviewed and rebalanced as appropriate. Investing involves risk of loss that clients should be prepared to bear; past performance is not indicative of future results. Principal risks include market, interest-rate, credit, business, liquidity, inflation, and currency risk, among others. Clients eligible for the affiliated private fund should review the private-markets risk factors in the Form ADV Part 2A and the Fund Offering Documents (illiquidity, valuation uncertainty, leverage, concentration, and multi- manager/underlying-fund risk). Item 7 — Client Information Provided to Portfolio Managers Because IARs of Clearview Financial Partners serve as the portfolio manager for wrap program accounts, client information gathered to determine suitability (financial situation, investment objectives, risk tolerance, and time horizon) is used directly by the IAR managing the account. Where the Firm refers a client to a third-party adviser, relevant client information is provided to that adviser as described in the applicable agreements and disclosures. Item 8 — Client Contact with Portfolio Managers Clients may contact their IAR (who serves as portfolio manager) without restriction during normal business hours to discuss their account, investment objectives, or financial situation. Item 9 — Additional Information Disciplinary Information and Other Financial Industry Activities There are no legal or material disciplinary events to disclose. IARs may be licensed insurance agents who earn commissions (a conflict subject to CCO review) and the Firm is affiliated with the general partner of Clearview Fund I LP (a conflict disclosed in the Form ADV Part 2A). Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading The Firm maintains a Code of Ethics establishing standards of business conduct, an insider-trading policy, and personal-securities reporting requirements. The Firm and its related persons have a financial interest in the affiliated private fund; recommending the Fund to eligible clients is a conflict disclosed in the Form ADV Part 2A and monitored under the Code of Ethics. A copy of the Code of Ethics is available upon request. Clearview Financial Partners, LLC Page 32 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Review of Accounts IARs review client accounts at least annually for consistency with stated objectives, and upon triggering events such as a change in objectives or financial situation, market corrections, or client request. Clients are responsible for advising the Firm of changes in their objectives or financial situation. Client Referrals and Other Compensation The Firm and its associated persons can receive non-cash compensation from product sponsors (e.g., gifts, occasional meals or event tickets, training/education reimbursement) not tied to product sales. The Firm may receive support services from its custodian(s) (research, market data, software, compliance publications, consulting, conference attendance, marketing support, and hardware/software). Clients do not pay more for services as a result, and there is no commitment to direct a specific amount of client assets in exchange. Receipt of such economic benefits is a potential conflict that may influence the Firm’s choice of custodian, mitigated by its fiduciary duty and best-execution obligations. Financial Information and Custody The qualified custodian(s) maintain custody of client funds and securities in separate accounts under each client’s name; the Firm is deemed to have limited custody as a result of fee deduction. With respect to Clearview Fund I LP, the Firm is deemed to have custody under Advisers Act Rule 206(4)-2 and intends to comply via the annual-audit exception (PCAOB-registered auditor; audited GAAP statements distributed to investors within 120/180 days). The Firm does not require or solicit prepayment of more than $1,200 in fees per client six or more months in advance, has no financial condition reasonably likely to impair its commitments, and has never been the subject of a bankruptcy petition. Brokerage Practices, Trade Aggregation, and Cash Sweep In seeking best execution, the determinative factor is the best qualitative execution considering the full range of a broker-dealer’s services, not solely the lowest cost. The Firm may aggregate equity and fixed income transactions across clients to improve execution; aggregated transactions receive an averaged price, and the Firm may decline to aggregate based on size, number of accounts, timing, liquidity, and discretionary/non-discretionary nature. The Firm uses custodian cash-sweep programs to manage liquidity; swept cash earns interest, typically at lower rates than other short-term options, and clients should weigh liquidity and convenience against potential returns. Clearview Financial Partners, LLC Page 33 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC Privacy Policy Our Commitment to You 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. Advisor (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. Advisor 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? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. As a registered investment adviser, we are required by federal and state law to share some of your personal information in order to service your account. The law also gives you the right to limit certain sharing. What Information Do We Collect From You? Account Information (including other institutions) Account numbers, balances Assets and Liabilities Date of Birth E-mail Address(es) Employment Information and/or Government ID Expenses Income Investment Activity Investment Experience Investment Objectives Licenses Name, Address, and Phone Number(s) Net worth information Professional credentials Risk tolerance Social Security or Taxpayer Identification Number Transaction history What Information Do We Collect From Other Sources? Custody, brokerage, and advisory agreements Account terms and conditions Other advisory agreements and legal documents Legal and advisory arrangements Transactional information with us or others Transaction records Account applications and forms Application data Investment questionnaires and suitability documents Risk and suitability data How We Protect Your Information? Clearview Financial Partners, LLC Page 34 of 35 ADV 2A | 20260615  Form ADV Part 2A — Clearview Financial Partners, LLC We use physical, procedural, and electronic safeguards to protect your information — including encrypted file storage, secure passwords, and a secure office environment. We train our staff on privacy obligations and require third-party service providers to protect the information we share with them. Yes No How and When We Share Your Information Servicing . We share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, consultants, or other financial institutions) as necessary to provide agreed-upon services, including processing transactions, general account maintenance, responding to regulators or legal investigations, and credit reporting. No N/A Marketing Purposes. We do not disclose, and do not intend to disclose, personal information with non-affiliated third parties to offer you services. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes 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) such as accountant or attorney. No N/A Former Clients. We do not disclose and do not intend to disclose non-public personal information to non- affiliated third parties with respect to persons who are no longer our Clients. Affiliate Marketing. Yes Yes Non-Affiliated Marketing No N/A Other Important Information Information for California, North Dakota, and Vermont Customers. In response to applicable state law, if the mailing address provided for your account is in California, North Dakota, or Vermont, we will automatically treat your account as if you do not want us to disclose your personal information to non-affiliated third parties for purposes of them marketing to you, except as permitted by the applicable state law. Changes to This Policy If we make a material change we will send you an updated policy make material changes, we will send you an updated copy. We will not change this Policy to permit new sharing without first notifying you and giving you the opportunity to opt out. Questions? Contact us at (610) 293-9211 or david@cvfpartners.com Clearview Financial Partners, LLC Page 35 of 35 ADV 2A | 20260615