COMPTON FINANCIAL GROUP, LLC

˙ Form ADV Part 2A – Disclosure Brochure Effective: October 16, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (410) 321-0168 or by email at chris@redoak1978.com. Red Oak Financial is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Red Oak Financial to assist you in determining whether to retain the Advisor. Additional information about Red Oak Financial and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 166912. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 http://redoak1978.com/  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about Advisory Persons of Red Oak Financial. For convenience, the Advisor has combined these documents into a single disclosure document. Red Oak Financial believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Red Oak Financial encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes There have been no material changes to this Disclosure Brochure since the last annual amendment filing on March 14th, 2024. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 166912. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (410) 321-0168 or by email at chris@redoak1978.com. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 2 http://redoak1978.com/  Item 3 – Table of Contents Item 1 – Cover Page………………………………………………………………………………………………………... 1 Item 2 – Material Changes………………………………………………………………………………………………… 2 Item 3 – Table of Contents…………………………………………………………………………………………………2 Item 4 – Advisory Services……………………………………………………………………………………………….. 4 A. Firm Information…………………………………………………………………………………………………………….. 4 B. Advisory Services Offered………………………………………………………………………………………….............. 4 C. Client Account Management……………………………………………………………………………………….............. 6 D. Wrap Fee Programs………………………………………………………………………………………………………… 6 E. Assets Under Management…………………………………………………………………………………………………. 6 Item 5 – Fees and Compensation……………………………………………………………………………………...... 6 A. Fees for Advisory Services………………………………………………………………………………………………….. 6 B. Fee Billing…………………………………………………………………………………………………………………… 7 C. Other Fees and Expenses…………………………………………………………………………………………………...8 D. Advance Payment of Fees and Termination……………………………………………………………………….............. 8 E. Compensation for Sales of Securities………………………………………………………………………………………..9 Item 6 – Performance-Based Fees and Side-By-Side Management………………………………………………..9 Item 7 – Types of Clients……………………………………………………………………………………………….. 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss………………………………………... 10 A. Methods of Analysis……………………………………………………………………………………………………….. 10 B. Risk of Loss………………………………………………………………………………………………………..............10 Item 9 – Disciplinary Information………………………………………………………………………………………. 11 Item 10 – Other Financial Industry Activities and Affiliations…………………………………………………….. 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading…………. 12 A. Code of Ethics…………………………………………………………………………………………………….............. 12 B. Personal Trading with Material Interest……………………………………………………………………………………. 12 D. Personal Trading at Same Time as Client………………………………………………………………………………….12 Item 12 – Brokerage Practices………………………………………………………………………………………….. 12 A. Recommendation of Custodian[s] ………………………………………………………………………………………… 12 B. Aggregating and Allocating Trades……………………………………………………………………………….............. 13 Item 13 – Review of Accounts………………………………………………………………………………………...... 13 A. Frequency of Reviews……………………………………………………………………………………………..............14 B. Causes for Reviews……………………………………………………………………………………………………….. 14 C. Review Reports……………………………………………………………………………………………………………. 14 Item 14 – Client Referrals and Other Compensation……………………………………………………………….. 14 A. Compensation Received by Red Oak…………………………………………………………………………….............. 14 B. Compensation for Client Referrals………………………………………………………………………………………… 14 Item 15 – Custody…………………………………………………………………………………………………………. 14 Item 16 – Investment Discretion………………………………………………………………………………………... 14 Item 17 – Voting Client Securities……………………………………………………………………………………… 15 Item 18 – Financial Information………………………………………………………………………………………… 15 Form ADV Part 2B – Brochure Supplement………………………………………………………………………….. 16 Privacy Policy……………………………………………………………………………………………………………… 30 Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 3 http://redoak1978.com/  Item 4 – Advisory Services A. Firm Information Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Maryland. Red Oak Financial was founded in January 2013 and is owned and operated by Christopher P. Compton (Managing Member and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Red Oak Financial. B. Advisory Services Offered Red Oak Financial offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, businesses and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Red Oak Financial’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services Red Oak Financial provides Clients with wealth management services, which generally includes a broad range of comprehensive financial planning and consulting services in connection with discretionary management of investment portfolios. These services are described below. Investment Management Services - Red Oak Financial provides investment advisory solutions for its Clients based on model portfolios created by the Advisor. The Advisor primarily utilizes exchange traded funds (“ETFs”) and mutual funds to create proprietary model portfolios offered to its Clients. The Advisor may also utilize other investments to meet the model objectives. Red Oak Financial evaluates and selects investments for inclusion in model portfolios only after applying its internal due diligence process. The Advisor will work with the Client to identify their investment goals, objectives, and risk tolerance to construct a portfolio from the Advisor’s model portfolios. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Red Oak Financial’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Red Oak Financial will construct, implement and monitor the portfolios and allocate Client assets to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Red Oak Financial evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Red Oak Financial may, on occasion, redistribute investment allocations to diversify the portfolio. Red Oak Financial may invest in specific positions to increase sector or asset class weightings. The Advisor may employ cash positions as a possible hedge against market movement. Red Oak Financial may sell positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Red Oak Financial accept or maintain custody of a Client’s funds or securities. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the investment advisory agreement. For additional information, please see Item 12 – Brokerage Practices and Item 15 – Custody. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 4 http://redoak1978.com/  Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g., commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Use of Independent Managers – When deemed to be in the Client’s best interest, Red Oak Financial will recommend that a Client utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. In such instances, the Client may be required to authorize and enter into an advisory agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide investment management and related services. The Advisor may also assist in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will perform initial and ongoing oversight and due diligence over the selected Independent Manager[s] to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Client, prior to entering into an agreement with unaffiliated investment manager[s] or investment platform[s], will be provided with the Independent Manager's Form ADV 2A (or a brochure that makes the appropriate disclosures). Financial Planning Services - Red Oak Financial will typically provide a variety of financial planning and consulting services to Clients on an initial and on an as needed basis, either as a component of wealth management services or pursuant to a stand-alone financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Client may also engage the Advisor for financial planning services in a separate engagement. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, insurance needs, personal savings, education savings and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Red Oak Financial may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction[s] through the Advisor. Retirement Plan Advisory Services Red Oak Financial provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 5 http://redoak1978.com/  the Plan Sponsor in meeting its fiduciary obligations to the Plan. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring Investment Oversight and Due Diligence (ERISA 3(21)) Investment Management (ERISA 3(38)) ● Vendor Analysis ● Plan Participant Enrollment and Education Tracking ● ● Performance Reporting ● ● ● Ongoing Investment Recommendation and Assistance ● ERISA 404(c) Assistance ● Benchmarking Services Red Oak Financial may provide investment advisory services on behalf of the Plan and Plan Sponsor, which may be in either a 3(21) or 3(38) context depending on whether or not the Advisor is also providing discretionary investment management over the Plan assets. For 3(38) services, the Advisor shall have the discretion to select the investments for the Plan and/or make investment decisions on behalf of Plan Participants. C. Client Account Management Prior to engaging Red Oak Financial to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services include: ● Establishing an Investment Strategy – Red Oak Financial, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives. ● Asset Allocation – Red Oak Financial will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. ● Portfolio Construction – Red Oak Financial will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. ● Investment Management and Supervision – Red Oak Financial will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Red Oak Financial does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Red Oak Financial. E. Assets Under Management As of December 31, 2024, Red Oak Financial manages $836,788,025 in Client assets, $449,847,732 of which are managed on a discretionary basis and $ 386,940,293 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Wealth Management Services Clients engaged for comprehensive wealth management services will be charged a single combined fee for investment management and financial planning services based on the market value of assets under management. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 6 http://redoak1978.com/  Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Wealth management fees are based on the market value of assets under management at the end of the prior calendar quarter. Wealth management fees range up to 1.50% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. Fees may vary from the above fee depending on the nature and complexity of each Client’s circumstances, or with the inclusion of a financial plan. An estimate for the total costs will be determined prior to establishing the advisory relationship. The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees are negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Red Oak Financial will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Client may make additions or withdrawals from the account[s] at any time, subject to the Advisor’s right to terminate an account or the overall relationship. Additions may be in cash or securities provided that the Advisor reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Red Oak, subject to the usual and customary securities settlement procedures. However, the Advisor typically designs its investment portfolios as long-term investments and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Red Oak may consult the Client about certain implications of such transactions. Clients are advised that when such securities are liquidated, they may be subject to securities transaction fees, short-term redemption fees, and/or tax ramifications. If assets are deposited into or withdrawn from the Client’s account[s], the Advisor’s fee will be adjusted in the next billing period to reflect the fee difference. The Advisor, at its sole discretion, will negotiate a fee that differs from the schedule above for certain account[s] or holdings. The Advisor’s fee is exclusive of, and in addition to any applicable brokerage fees, transaction fees, and other related costs and expenses, which will be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Financial Planning Services Red Oak Financial may also be engaged for financial planning services as a separate engagement. Financial planning services are offered on either an hourly basis or for a fixed fee per engagement. Hourly engagements are at a rate of $150 to $500 per hour. Fixed fee engagements range from $1,500 to $15,000. Fees are negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and total costs will be provided to the Client prior to engaging for these services. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00%. Retirement plan advisory fees are payable either monthly or quarterly, at the end of each month or calendar quarter. Retirement plan advisory fees are negotiable with the plan sponsor. Use of Independent Managers As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 7 http://redoak1978.com/  B. Fee Billing Wealth Management Services Wealth management fees are calculated and deducted from the Client’s account[s] by the Custodian. The Client or its delegate shall instruct the Custodian to automatically deduct the investment advisory fee from the Client’s account[s] for each billing period and pay the investment advisory fee[s] to the Advisor. The Custodian will utilize the fee rate, as defined in an agreement, to indicate the fee to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Red Oak Financial at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by Red Oak Financial directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Red Oak Financial will be independently valued by the Custodian. Red Oak Financial will not have the authority or responsibility to value portfolio securities. The Advisor will conduct periodic reviews of the Custodian’s valuations. Financial Planning Services Financial planning fees may be charged up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance shall be due upon completion of the agreed upon deliverable[s]. Retirement Plan Advisory Services Fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. Use of Independent Managers For Clients referred by the Advisor to an Independent Manager, the Client’s fee will be deducted from the Client’s account[s] with the respective manager and a portion of the wealth management fee may be provided to Red Oak Financial. C. Other Fees and Expenses Clients will incur certain fees or charges imposed by third parties, other than Red Oak Financial, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian. The fees charged by Red Oak Financial are separate and distinct from these custody and execution fees. In addition, all fees paid to Red Oak Financial for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Red Oak Financial, but would not receive the services provided by Red Oak Financial which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Red Oak Financial to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Wealth Management Services Red Oak Financial is compensated for its services in advance of the quarter in which wealth management services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance notice to the other party. The Advisor will refund any unearned, prepaid wealth management fees from Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 8 http://redoak1978.com/  the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services Red Oak Financial may require an advance deposit as described above. Either party may terminate the financial planning agreement, at any time, by providing advance notice to the other party. The Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engage, the percentage of the engagement scope completed by the Advisor. The Advisor will refund any unearned, prepaid planning fees from the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Red Oak Financial is compensated for its services at the end of the month or quarter, after services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance notice to the other party. The Client shall be responsible for retirement plan advisory fees up to and including the effective date of termination. The Client’s retirement plan services agreement with the Advisor is non-transferable without the Client’s written approval. Use of Independent Managers In the event that a Client should wish to terminate their relationship with the Independent Manager, the terms for termination will be set forth in the respective agreements between the Client and that Independent Manager. Red Oak Financial will assist the Client with the termination and transition as appropriate. E. Compensation for Sales of Securities Advisory Persons of Red Oak Financial are also registered representatives of LPL Financial LLC ("LPL Financial"), a securities broker-dealer, and a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). In one’s separate capacity as a registered representative of LPL Financial, an Advisory Person will implement securities transactions under LPL Financial and not through Red Oak Financial. In such instances, an Advisory Person will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by an Advisory Person in one’s capacity as a registered representative is separate and in addition to Red Oak Financial’s advisory fees. This practice presents a conflict of interest because Advisory Persons who are registered representatives have an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Red Oak Financial mitigates this conflict in two ways. First, Clients always have the right to choose whether or not to purchase securities products through one of the Advisor’s Advisory Persons. Second, Red Oak Financial will not charge an ongoing investment advisory fee on any assets implemented in the separate capacity of one of the Advisor’s Advisory Persons. Please see Item 10. Certain Advisory Persons are also licensed as independent insurance professionals. These persons will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by these persons are separate and in addition to advisory fees. This practice presents a conflict of interest because Advisory Persons who are also insurance agents may have an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on a Client’s needs. However, to mitigate this conflict, Clients always have the right to choose whether or not to purchase insurance products through any person affiliated with Red Oak Financial. Item 6 – Performance-Based Fees and Side-By-Side Management Red Oak Financial does not charge performance-based fees for its wealth management services. The fees charged by Red Oak Financial are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 9 http://redoak1978.com/  Red Oak Financial does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Red Oak Financial offers wealth management services to individuals, high net worth individuals, trusts, estates, charitable organizations, businesses and retirement plans. Red Oak Financial generally does not impose a minimum size for establishing a relationship. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Red Oak Financial primarily employs fundamental and technical analysis in developing investment strategies for its Clients. Research and analysis from Red Oak Financial are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Red Oak Financial will be able to accurately predict such a reoccurrence. As noted above, Red Oak Financial generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Red Oak Financial will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Red Oak Financial may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Red Oak Financial will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 10 http://redoak1978.com/  participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. The following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The value of the ETFs will fluctuate with the value of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low volume. Authorized participants in an ETF may change at any time; this may result in change to the liquidity and the ability to redeem the ETF as the authorized participants control the number of shares of the ETF. The value of an ETF fluctuates based upon the market movements and may disassociate from the index being tracked or from the value of the underlying investments. An ETF purchased or sold at one point in the day may have a different value than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The value of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The value of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same value as a mutual fund purchased later that same day. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving Red Oak Financial or its supervised persons. Red Oak Financial values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider with whom the Client engages. The backgrounds of the Advisor and its Advisory Persons are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 166912. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 11 http://redoak1978.com/  Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5.E above, certain Advisory Persons are also a registered representative of LPL Financial. In their separate capacity as registered representatives, an Advisory Person will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Advisory Persons. Neither the Advisor nor an Advisory Person will earn ongoing investment advisory fees in connection with any services implemented in an Advisory Person’s separate capacity as a registered representative. Insurance Agency Affiliations As noted in Item 5 above, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Red Oak Financial. As an insurance professional, an Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Person or the Advisor. R.L. Compton & Associates, Inc. Christopher Compton is the owner of R.L. Compton & Associates, Inc. (“R.L. Compton”), an affiliated third party administrator that is involved in the administration of retirement plans for plan sponsors. Mr. Compton may offer the services of R.L. Compton to its Clients. In such instances, Mr. Compton will receive additional compensation for Clients who engage R.L. Compton and Mr. Compton in his separate capacity. This practice presents a conflict of interest in recommending the services of R.L. Compton to Clients. Clients are under no obligation to engage the services of the TPA or Mr. Compton in his separate capacity. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Red Oak Financial has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Red Oak Financial (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Red Oak Financial and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Red Oak Financial’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (410) 321-0168 or via email at chris@redoak1978.com. B. Personal Trading with Material Interest Red Oak Financial allows Supervised Persons to purchase or sell the same securities that are recommended to and purchased on behalf of Clients. Red Oak Financial does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. Red Oak Financial does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Red Oak Financial allows Supervised Persons to purchase or sell the same securities that are recommended to and purchased on behalf of Clients. Owning the same securities Red Oak Financial recommends (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, Red Oak Financial must disclose to Clients and mitigate through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 12 http://redoak1978.com/  non-public information. This risk is mitigated by Red Oak Financial requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Red Oak Financial allows Supervised Persons to purchase or sell the same securities that are recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Red Oak Financial, or any Supervised Person of Red Oak Financial, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Red Oak Financial does not have discretionary authority to select the broker-dealer/custodian for custody and execution services The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Red Oak Financial to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Red Oak Financial does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Red Oak Financial does not exercise discretion over the selection of the Custodian, the Advisor recommends the Custodian to Clients for custody and execution services. As its Advisory Persons are also registered representatives of LPL Financial, Red Oak Financial and its Advisory Persons are limited in the Custodian[s] in which they can recommend to Clients. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Red Oak Financial. Typically, Red Oak Financial will recommend that Clients establish their accounts at LPL Financial, where Red Oak Financial has access to LPL Financials’ systems, back-office support, research and other benefits. While Red Oak Financial receives these economic benefits from LPL Financial, the Advisor’s believes that LPL Financial provides quality execution and related services for Clients at competitive prices. Price is not the sole factor Red Oak Financial considers in evaluating best execution and the recommendation of the Custodian. Red Oak Financial also considers the quality of the brokerage services provided by LPL Financial, including the firm's reputation, execution capabilities, commission rates, and responsiveness to Clients and the Advisor. Clients are free to use whatever broker-dealer/custodian they choose to implement financial planning recommendations. For investment advisory services, Red Oak Financial would be required to obtain permission to use a broker-dealer or custodian other than LPL Financial due to the oversight role LPL Financial assumes over the Advisory Persons. Please see Item 14. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodian whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Red Oak Financial does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor does receive certain economic benefits from LPL Financial. Please see Item 14 below. 2. Brokerage Referrals - Red Oak Financial does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Red Oak Financial will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In selecting the Custodian, Red Oak Financial will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the designated Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 13 http://redoak1978.com/  Custodian. The Advisor may not be able to aggregate orders to reduce transaction costs in a Client directed brokerage account. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Red Oak Financial will execute its transactions through an unaffiliated broker-dealer selected by the Client. Red Oak Financial may aggregate orders in a block trade or trades when securities are purchased or sold through the same broker-dealer for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons. Formal reviews are generally conducted at least annually or more or less frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account. The Client is encouraged to notify Red Oak Financial if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Red Oak Financial Participation in Institutional Advisor Platform Red Oak Financial has established institutional relationship with LPL Financial to assist the Advisor in managing Client account[s]. The Advisor receives access to software and related support as part of its relationship with LPL Financial. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of the Custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from LPL Financial: receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 14 http://redoak1978.com/  B. Compensation for Client Referrals Red Oak Financial does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody Red Oak Financial does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Red Oak Financial exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Red Oak Financial to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Red Oak Financial to ensure accuracy, as the Custodian does not perform this review. Item 16 – Investment Discretion Red Oak Financial generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Red Oak Financial. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Red Oak Financial will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Red Oak Financial does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Red Oak Financial, nor its management, have any adverse financial situations that would reasonably impair the ability of Red Oak Financial to meet all obligations to its Clients. Neither Red Oak Financial, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Red Oak Financial is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect fees of $1,200 or more for services to be performed six months or more in advance. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 15 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for Christopher P. Compton, CFP®, ChFC® Managing Partner, Chief Advisor and Chief Compliance Officer Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher P. Compton, CFP®, ChFC® (CRD# 2946906) in addition to the information contained in the Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (410) 321-0168 or by email at chris@redoak1978.com. Additional information about Mr. Compton is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 2946906. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 16 http://redoak1978.com/  Item 2 – Educational Background and Business Experience Christopher P. Compton, CFP®, ChFC®, born in 1975, is a Managing Partner & Chief Advisor for Red Oak Financial. Mr. Compton earned a Bachelor of Science degree in Finance Concentration from the University of Richmond in 1997. Additional information regarding Mr. Compton’s employment history is included below. 02/2013 to Present 06/2005 to Present 01/1997 to Present 06/2005 to 11/2015 09/1997 to 06/2005 09/1997 to 06/2005 Employment History: Managing Partner, Chief Advisor and Chief Compliance Officer, Red Oak Financial Group Registered Representative, LPL Financial LLC Principal, R.L. Compton & Associates, Inc. Investment Advisor Representative, LPL Financial LLC Investment Advisor Representative and Registered Representative, Lincoln Financial Advisors Corporation Insurance Agent and Registered Representative, The Lincoln National Life Insurance Company CERTIFIED FINANCIAL PLANNER® Professional I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 17 http://redoak1978.com/  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Chartered Financial Consultant® (ChFC®) The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals and small business owners. You’ll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. Program Objectives: ● Function as an ethical, competent and articulate practitioner in the field of financial planning ● Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. ● Apply financial planning theory and techniques through the development of case studies and solutions ● Apply in-depth knowledge in a holistic manner from a variety of disciplines; namely, estate planning, retirement planning or non-qualified deferred compensation. Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Compton. Mr. Compton has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Compton. Securities laws require an advisor to disclose any instances where the advisor or its Advisory Persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Compton. However, the Advisor does encourage you to independently view the background of Mr. Compton on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 2946906. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Compton is also a registered representative of LPL Financial LLC (“LPL Financial”). LPL Financial is a registered broker-dealer (CRD# 6413), member FINRA, SIPC. In Mr. Compton’s separate capacity as a Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 18 http://redoak1978.com/  registered representative, Mr. Compton will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Compton. Neither the Advisor nor Mr. Compton will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Compton’s separate capacity as a registered representative. Insurance Agency Affiliation Mr. Compton is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Compton’s role with Red Oak Financial. As an insurance professional, Mr. Compton will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Compton is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Compton or the Advisor. R.L. Compton & Associates, Inc. Mr. Compton is also the Principal of R.L. Compton & Associates, Inc. (“R.L. Compton”), an affiliated third-party administrator. Mr. Compton designs and administrates qualified retirement plans for his clients at R.L. Compton. Mr. Compton receives additional compensation for Clients who engage R.L. Compton and Mr. Compton in his separate capacity. This practice presents a conflict of interest in recommending R.L. Compton to Clients. Clients are under no obligation to engage the services of R.L. Compton or Mr. Compton in his separate capacity. Real Estate Mr. Compton also owns and manages a commercial rental property. Mr. Compton does not offer the rental property to any of his clients. Mr. Compton spends less than 5% of his time managing the property. Notary Public Mr. Compton, in his separate capacity, is licensed as a notary public in the State of Maryland. Clients may engage Mr. Compton as a notary public and will not be charged a separate fee for this service. Item 5 – Additional Compensation Mr. Compton has additional business activities wherein compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Compton serves as a Managing Partner, Chief Advisor and Chief Compliance Officer of Red Oak Financial. Mr. Compton can be reached at (410) 321-0168. Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 19 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for Robert L. Compton, Jr. Investment Advisor Representative Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Robert L. Compton, Jr. (CRD# 860283) in addition to the information contained in the Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (410) 321- 0168 or by email at chris@redoak1978.com. Additional information about Mr. Compton is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 860283. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 20 http://redoak1978.com/  Item 2 – Educational Background and Business Experience Robert L. Compton, Jr., born in 1946, advises Clients of Red Oak Financial as an Investment Advisor Representative. Mr. Compton earned a Bachelor of Arts degree from Ursinus College in 1968. Mr. Compton also earned a Masters of Business Administration degree from Rider College in 1974. Additional information regarding Mr. Compton’s employment history is included below. Employment History: Investment Advisor Representative, Red Oak Financial Group Registered Representative, LPL Financial LLC Registered Representative, Lincoln Financial Advisors Corporation Insurance Agent, Registered Representative, The Lincoln National Life Insurance Company 05/2018 to Present 06/2005 to Present 08/1993 to 06/2005 12/1978 to 06/2005 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Compton. Mr. Compton has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Compton. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Compton. However, the Advisor does encourage you to independently view the background of Mr. Compton on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 860283. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Compton is also a registered representative of LPL Financial LLC (“LPL Financial”). LPL Financial is a registered broker-dealer (CRD# 6413), member FINRA, SIPC. In Mr. Compton’s separate capacity as a registered representative, Mr. Compton will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Compton. Neither the Advisor nor Mr. Compton will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Compton’s separate capacity as a registered representative. Insurance Agency Affiliations Mr. Compton is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Compton’s role with Red Oak Financial. As an insurance professional, Mr. Compton will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Compton is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Compton or the Advisor. R.L. Compton & Associates, Inc. Mr. Compton is also a member of R.L. Compton & Associates, Inc. (“R.L. Compton”), an affiliated third-party administrator. Mr. Compton designs and administrates qualified retirement plans for the clients at R.L. Compton. Mr. Compton receives additional compensation for this activity, but does not receive any additional compensation for client referrals. Clients are under no obligation to engage the services of R.L. Compton or Mr. Compton in his separate capacity. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 21 http://redoak1978.com/  Board Member Mr. Compton is a board member of a bank and is compensated in this role. Mr. Compton spends less than 10% of his time in this role and no clients are referred or engaged with this company. While the bank is a client of the Advisor, there are no conflicts of interest as Mr. Compton is not involved in the administration or investment activities of the bank or it’s retirement plan. Item 5 – Additional Compensation Mr. Compton has additional business activities wherein compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Compton serves as an Investment Advisor Representative of Red Oak Financial and is supervised by Christopher Compton, the Chief Compliance Officer. Christopher Compton can be reached at (410) 321-0168. Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 22 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for Robert L. DiMarino, Jr. Plan Advisor Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Robert L. DiMarino, Jr. (CRD# 6461863) in addition to the information contained in the Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (410) 321- 0168 or by email at chris@redoak1978.com. Additional information about Mr. DiMarino is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6461863. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 23 http://redoak1978.com/  Item 2 – Educational Background and Business Experience Robert L. DiMarino, Jr., born in 1973, is dedicated to advising Clients of Red Oak Financial as a Plan Advisor. Mr. DiMarino earned a Bachelor of Arts degree from the University of Maryland Baltimore County in 2001. Additional information regarding Mr. DiMarino’s employment history is included below. 03/2015 to Present Employment History: Financial Advisor, Red Oak Financial Group - Plan Advisor (07/2019 to Present) - Administrative Associate (03/2015 to 07/2019) Registered Representative, LPL Financial LLC Unemployed, Unemployed Account Executive, Harte Hanks Independent Agent, SF&C Insurance Group Account Manager, AON Hewitt Benefit Operations Manager, Benelogic Account Manager, Harte Hanks 08/2016 to Present 11/2014 to 03/2015 07/2010 to 10/2014 08/2009 to 07/2010 05/2009 to 08/2009 09/2008 to 05/2009 10/2005 to 09/2008 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. DiMarino. Mr. DiMarino has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. DiMarino. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. DiMarino. However, the Advisor does encourage you to independently view the background of Mr. DiMarino on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 6461863. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. DiMarino is also a registered representative of LPL Financial LLC (“LPL Financial”). LPL Financial is a registered broker-dealer (CRD# 6413), member FINRA, SIPC. In Mr. DiMarino’s separate capacity as a registered representative, Mr. DiMarino will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. DiMarino. Neither the Advisor nor Mr. DiMarino will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. DiMarino’s separate capacity as a registered representative. Item 5 – Additional Compensation Mr. DiMarino has additional business activities wherein compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. DiMarino serves as a Plan Advisor of Red Oak Financial and is supervised by Christopher Compton, the Chief Compliance Officer. Mr. Compton can be reached at (410) 321-0168. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 24 http://redoak1978.com/  Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 25 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for David W. Feeley, CFP®, CPA, CEPA® Financial Advisor Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of David W. Feeley, CFP®, CPA, CEPA® (CRD# 7388746) in addition to the information contained in the Compton Financial Group, LLC d/b/a Red Oak Financial Group (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (410) 321-0168 or by email at chris@redoak1978.com. Additional information about Mr. Feeley is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 7388746. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 26 http://redoak1978.com/  Item 2 – Educational Background and Business Experience David W. Feeley, CFP®, CPA, CEPA®, born in 1986, is dedicated to advising Clients of Red Oak Financial as a Financial Advisor. Mr. Feeley earned a B.S. in Accounting from University of Richmond in 2009. Mr. Feeley also earned a Master of Accountancy from University of Richmond in 2010. Additional information regarding Mr. Feeley’s employment history is included below. Employment History: Financial Advisor, Red Oak Financial Group Registered Representative, LPL Financial LLC President, DJF, Inc Audit Associate, KPMG, LLP 05/2021 to Present 06/2021 to Present 01/2013 to 02/2020 11/2010 to 07/2012 CERTIFIED FINANCIAL PLANNER® Professional I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 27 http://redoak1978.com/  • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Certified Public Accountant (“CPA”) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience, and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two-year period or 120 hours over a three-year period). Certified Exit Planning Advisor™ (“CEPA®”) The Certified Exit Planning Advisor™ and CEPA® are professional certification marks granted by The Exit Planning Institute®. It is recognized as the designation that business owners look for when looking for a trusted advisor. CEPA® applicants must meet strict requirements, including: a minimum of a bachelor’s degree from an accredited U.S. college or university (or the equivalent from a foreign university); completion of the 5-day CEPA® program taught by a faculty of experts; and passing the CEPA® exam consisting of 150 multiple choice questions. Applicants must also have 5 years of experience dealing with the owners of privately-held businesses in some advisory capacity. All applicants for the CEPA® program must sign an attestation agreeing to abide by the Code of Ethics and Professional Standards™ of the Exit Planning Institute. CEPA® advisors must complete ongoing continuing professional education and ethics requirements to maintain their certification, with recertification every three years and completing 40 hours of continuing education. More information on the CEPA® designation can be found on the Exit Planning website: www.exit-planning- institute.org Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Feeley. Mr. Feeley has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Feeley. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Feeley. However, the Advisor does encourage you to independently view the background of Mr. Feeley on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 7388746. Item 4 – Other Business Activities Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 28 http://redoak1978.com/  Broker-Dealer Affiliation Mr. Feeley is also a registered representative of LPL Financial LLC (“LPL Financial”). LPL Financial is a registered broker-dealer (CRD# 6413), member FINRA, SIPC. In Mr. Feeley’s separate capacity as a registered representative, Mr. Feeley will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Feeley. Neither the Advisor nor Mr. Feeley will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Feeley separate capacity as a registered representative. Item 5 – Additional Compensation Mr. Feeley has additional business activities wherein compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Feeley serves as a Financial Advisor of Red Oak Financial and is supervised by Christopher Compton, the Chief Compliance Officer. Mr. Compton can be reached at (410) 321-0168. Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 29 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for Gregory A. Pyne Financial Advisor Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Gregory A. Pyne (CRD# 8011925) in addition to the information contained in the Compton Financial Group, LLC (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact us at (410) 321-0168 or by email at chris@redoak1978.com. Additional information about Mr. Pyne is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8011925. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 30 http://redoak1978.com/  Item 2 – Educational Background and Business Experience Gregory A. Pyne, born in 1972, is dedicated to advising Clients of Red Oak Financial as a Business Development Financial Advisor. Mr. Pyne earned a Bachelor of Science from Carnegie Mellon University in 1994. Additional information regarding Mr. Pyne’s employment history is included below. Employment History: Business Development Financial Advisor, Red Oak Financial Group Product Director, UPS 11/2024 to Present 05/1998 to 02/2024 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Pyne. Mr. Pyne has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Pyne. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Pyne. However, we do encourage you to independently view the background of Mr. Pyne on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8011925. Item 4 – Other Business Activities Hunt Valley Solutions, LLC Mr. Pyne is the owner of Hunt Valley Solutions, LLC, an IT development and support aid for small businesses. Mr. Pyne spends less than 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Pyne is dedicated to the investment advisory activities of Red Oak Financial’s Clients. Mr. Pyne does not receive any additional forms of compensation. Item 6 – Supervision Mr. Pyne serves as a Business Development Financial Advisor of Red Oak Financial and is supervised by Christopher Compton, the Chief Compliance Officer. Mr. Compton can be reached at (410) 321-0168. Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 31 http://redoak1978.com/  Form ADV Part 2B – Brochure Supplement for Jason M. Simmons Financial Advisor Effective: October 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jason M. Simmons (CRD# 2909514) in addition to the information contained in the Compton Financial Group, LLC (“Red Oak Financial” or the “Advisor”, CRD# 166912) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Red Oak Financial Disclosure Brochure or this Brochure Supplement, please contact us at (410) 321-0168 or by email at chris@redoak1978.com. Additional information about Mr. Simmons is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2909514. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 32 http://redoak1978.com/  Item 2 – Educational Background and Business Experience Jason M. Simmons, born in 1975, is dedicated to advising Clients of Red Oak Financial as a Financial Advisor. Mr. Simmons earned a Finance degree from Loyola University in 1997. Additional information regarding Mr. Simmons’s employment history is included below. Employment History: Financial Advisor, Red Oak Financial Group Registered Representative, LPL Financial LLC Registered Representative, LPL Enterprise, LLC Financial Advisor, Prudential Financial Planning Services Registered Representative, Pruco Securities, LLC Manager, APG Federal Credit Union 02/2025 to Present 03/2025 to Present 11/2024 to 03/2025 06/2022 to 02/2025 08/2022 to 11/2024 01/2015 to 06/2022 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Simmons. Mr. Simmons has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Simmons. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Simmons. However, we do encourage you to independently view the background of Mr. Simmons on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2909514. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Simmons is also a registered representative of LPL Financial LLC (“LPL Financial”). LPL Financial is a registered broker-dealer (CRD# 6413), member FINRA, SIPC. In Mr. Simmons’s separate capacity as a registered representative, Mr. Simmons will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Simmons. Neither the Advisor nor Mr. Simmons will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Simmons’s separate capacity as a registered representative. Mr. Simmons spends approximately 25% of his time per month in his role as a registered representative of LPL Financial. Insurance Agency Affiliations Mr. Simmons is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Simmons’s role with Red Oak Financial. As an insurance professional, Mr. Simmons will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Simmons is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Simmons or the Advisor. Mr. Simmons spends approximately 5% of his time per month in this capacity. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 33 http://redoak1978.com/  Item 5 – Additional Compensation Mr. Simmons has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Simmons serves as a Financial Advisor of Red Oak Financial and is supervised by Christopher Compton, the Chief Compliance Officer. Mr. Compton can be reached at (410) 321-0168. Red Oak Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Red Oak Financial. Further, Red Oak Financial is subject to regulatory oversight by various agencies. These agencies require registration by Red Oak Financial and its Supervised Persons. As a registered entity, Red Oak Financial is subject to examinations by regulators, which may be announced or unannounced. Red Oak Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 34 http://redoak1978.com/  Privacy Policy Effective: October 16, 2025 Our Commitment to You Compton Financial Group, LLC (“Red Oak Financial” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Red Oak Financial (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. Red Oak Financial does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 35 http://redoak1978.com/  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes Red Oak Financial does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Red Oak Financial or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. 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]. No Not Shared Information About Former Clients Red Oak Financial does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (410) 321-0168 or via email at chris@redoak1978.com. Red Oak Financial Group 403 Allegheny Avenue, Towson, MD 21204 Phone: (410) 321-0168 * Fax: (410) 321-0169 Page 36 http://redoak1978.com/