DIVERSIFIED PLANNING STRATEGIES ADVISORS LLC

Cover Page - Item 1 Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure April 30, 2026 101 Eisenhower Pkwy., Suite 108 Roseland, NJ 07068 Tel: (973) 226-6000 Fax: (973) 226-6256 Email: jpapa@dpsadvisors.net Website: www.dpsadvisors.net Diversified Planning Strategies Advisors LLC is a registered investment adviser. An "investment adviser" means any person who, for compensation, engages in the business of advising others, either directly or through publications or writings, as to the value of securities or as to the advisability of investing in, purchasing, or selling securities, or who, for compensation and as part of a regular business, issues or promulgates analyses or reports concerning securities. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. This brochure provides information about the qualifications and business practices of Diversified Planning Strategies Advisors LLC If you have any questions about the contents of this brochure, please contact us at (973) 226-6000. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Diversified Planning Strategies Advisors LLC is available on the SEC’s website at www.adviserinfo.sec.gov. The firm's CRD/IARD number is 321737.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 2 Material Changes - Item 2 The purpose of this page is to inform you of any material changes since the previous version of this brochure. On March 5, 2026, we submitted our annual updating amendment for fiscal year 2025. In addition, we amended the Methods of Analysis, Investment Strategies and Risk of Loss section (Item 8) of the document to disclose additional material investment risks (Item 8) pertaining to Securities Backed Lines of Credit (SBLOCs), Political Risk and Artificial Intelligence ("AI") Risk. If you would like to receive a complete copy of our current brochure free of charge at any time, please contact us at (973) 226-6000 or at jpapa@dpsadvisors.net.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 3 Table of Contents - Item 3 Contents Cover Page - Item 1 ................................................................................................................................... 1 Material Changes - Item 2 ......................................................................................................................... 2 Table of Contents - Item 3 ........................................................................................................................ 3 Advisory Business - Item 4 ........................................................................................................................ 4 Fees and Compensation - Item 5 .............................................................................................................. 6 Performance-Based Fees and Side-By-Side Management - Item 6 .......................................................... 9 Types of Clients - Item 7.......................................................................................................................... 10 Methods of Analysis, Investment Strategies and Risk of Loss - Item 8 ................................................... 10 Disciplinary Information - Item 9 ............................................................................................................ 14 Other Financial Industry Activities or Affiliations - Item 10 .................................................................... 14 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading - Item 11 ........... 14 Brokerage Practices - Item 12 ................................................................................................................. 15 Review of Accounts - Item 13 ................................................................................................................. 18 Client Referrals and Other Compensation - Item 14 .............................................................................. 18 Custody - Item 15 .................................................................................................................................... 19 Investment Discretion - Item 16 ............................................................................................................. 19 Voting Client Securities - Item 17 ........................................................................................................... 20 Financial Information - Item 18 .............................................................................................................. 20 Requirements of State-Registered Advisers - Item 19 ............................................................................ 20 Diversified Planning Strategies Advisors LLC Privacy Policy Notice ........................................................ 21 Form ADV Part 2B Brochure Supplement - John P. Papa ......................................................................... 1 Form ADV Part 2B Brochure Supplement ................................................................................................. 4 Form ADV Part 2B Brochure Supplement ................................................................................................. 7 Form ADV Part 2B Brochure Supplement ............................................................................................... 10  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 4 Advisory Business - Item 4 Diversified Planning Strategies Advisors LLC (“DPS Advisors” and/or the “firm”) is a limited liability company formed in the State of New Jersey. John P. Papa is the President, Managing Member and principal owner of DPS Advisors. DPS Advisors has been offering investment advisory services since 2022. The following paragraphs describe our services and fees. You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to anyone from our firm who is an officer, employee, and all individuals providing investment advice on behalf of our firm. Where required, such persons are properly licensed or registered as investment adviser representatives. Financial Planning Services We offer broad-based financial planning services regarding management of financial resources based upon an analysis of the client’s individual needs. We will meet with you to gather information about your financial circumstances and objectives. Once we collect and analyse the documentation and information you provide, we work with you to develop a financial plan designed to help you achieve your financial goals and objectives. In this way, DPS Advisors assists the client in developing a strategy for the management of income, assets, and liabilities. In general, financial planning services may include any one or all of the following: • Cash Flow Analysis – Assessment of present financial situation by collecting information regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans, employee benefit statements, etc. The firm advises on ways to reduce risk; and, to coordinate and organize records and estate information. • • • • Retirement Analysis – Identification of long-term financial and personal goals and objectives including advice for accumulating wealth for retirement income or appropriate distribution of assets following retirement. Tax consequences and implications are identified and evaluated. Insurance Analysis – Includes risk management associated with advisory recommendations based on a combination of insurance types to meet the client's needs, e.g., life, health, disability, and long-term care insurance. This will necessitate an analysis of cash needs of the Client’s family at death, income needs of surviving dependents, and potential disability income needs. Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education. Estate Analysis – Advising Clients with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. Financial plans are based on a client’s financial situation based on the information provided to the firm. The recommendations and solutions are designed to achieve the client’s desired goals, subject to periodic evaluation of the financial plan, which may require revision to meet changing circumstances. Clients are advised to notify us promptly of any change to a client’s financial situation, goals, objectives, or needs. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our investment advisory services or by using the advisory/brokerage firm of your choice.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 5 In some cases, our recommendations will involve the purchase of insurance products. DPS Advisors is affiliated with Diversified Planning Strategies, LLC, a licensed insurance agency, through common ownership and control. Additionally, Associated Persons of DPS Advisors are licensed insurance agents. Diversified Planning Strategies, LLC and our dually licensed Associated Persons can affect transactions in insurance products and earn commission-based compensation for these activities. Clients should be aware that a conflict of interest is inherent in such an arrangement. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Diversified Planning Strategies, LLC and our dually licensed Associated Persons. Clients of DPS Advisors are not required to purchase insurance products from Diversified Planning Strategies, LLC or the firm’s dually licensed Associated Persons and can purchase insurance products from any insurance agency and agent they choose. Note: Information related legal consequences that is provided as part of the financial plan is for informative purposes only. Clients are instructed to contact their legal advisers for personalized advice. Portfolio Management Services Our firm offers discretionary, and in limited cases, non-discretionary portfolio management services to our clients. Discretionary portfolio management means we will make investment decisions and place buy or sell orders in your account without contacting you. These decisions would be made based upon your stated investment objectives. If you wish, you may limit our discretionary authority by, for example, setting a limit on the type of securities that can be purchased for your account. Simply provide us with your restrictions or guidelines in writing. Non-discretionary portfolio management service means that we must obtain your approval prior to making any transactions in your account. Our investment advice is tailored to meet our clients’ needs and investment objectives. If you decide to hire our firm to assist you with the management of your portfolio, an Associated Person of DPS Advisors will meet with you and gather information about your financial situation, investment objectives, and any reasonable restrictions you would like to impose on the management of the account. The information we gather will help us implement an asset allocation strategy that will be specific to your needs and goals. Currently, our asset allocation and advisory services are offered in conjunction with a sub adviser. The sub adviser assists our firm with back-office support, trading, report preparation, and billing. We use model portfolios developed by the sub adviser and/or other registered investment advisers. These other investment advisers are responsible for the research and security selection within model portfolios, day-to-day trading, billing calculation, and other back-office operations. DPS Advisors is responsible for the supervision of the account, portfolio reallocations and rebalancing, and ongoing client interaction and servicing. At this time, DPS Advisors uses the following sub adviser: Foundations Investment Advisors LLC (CRD# 175083): Foundations Investment Advisors LLC gives us access to its proprietary portfolio models, along with models provided or managed by Cabana Asset Management, Frontier Wealth Management, Morningstar Investment Management, BlackRock Solutions, among others. Foundations Investment Advisors LLC is responsible for day-to-day trading, reporting, billing calculation and other back-office operations. All disclosure information about these entities is available on the SEC’s public disclosure site, www.adviserinfo.sec.gov. All clients will be provided with a current copy of Foundations Investment Advisors LLC’s Form ADV Part 2 Brochure at the inception of service. This document provides important disclosures about  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 6 Foundations Investment Advisors LLC’s services, portfolio models, fees, conflicts of interest, disciplinary history (if any), and other important information that would help clients understand the scope of sub advisory services provided by Foundations Investment Advisors LLC. All accounts are managed in accordance with the client’s investment needs and may include various types of securities such as equity securities, Exchange Traded Funds (ETFs), mutual funds, corporate debt securities, commercial paper, certificates of deposit, municipal securities, and U.S. Government securities. Other types of investments may also be recommended where such investments are appropriate based on the client’s stated goals and objectives. Investments and allocations are determined and based upon the client’s predefined objectives, risk tolerance, time horizon, financial horizon, financial information, and other various suitability factors. Further restrictions and guidelines imposed by the client may affect the composition and performance of a client’s portfolio. On an ongoing basis, DPS Advisors reviews the client’s financial circumstances and investment objectives, and, where necessary, instructs the sub adviser to make adjustments to the client’s portfolio. Clients are required to provide the firm with prompt notice of any changes in their personal financial circumstances, investment objectives, goals, and tolerance for risk. DPS Advisors will contact the client at least annually to determine whether there have been any changes in the client's personal financial circumstances, investment objectives, and tolerance for risk. Wrap Fee Programs We do not sponsor, manage, or participate in any wrap fee programs. Assets Under Management As of December 31, 2025, we manage $154,398,323 of client assets on a discretionary basis, and $0 of client assets on a non-discretionary basis. Fees and Compensation - Item 5 Financial Planning Fees DPS Advisors provides its clients financial planning and consulting services. Prior to engaging DPS Advisors to provide consulting services, the client will be required to enter into a financial planning agreement with our firm. The Agreement will set forth the terms and conditions of the engagement and describe the scope of the services to be provided and the fee that is due from the client. DPS Advisors will either charge a fixed fee of up to $5,000 or an hourly fee of up to $400 per hour for financial planning services. Fees are payable upon execution of the financial planning agreement. All agreed upon services will be completed within 6 months of payment. If the client hires our firm for ongoing portfolio management services, we will either refund the financial planning fee or we will reduce our portfolio management fees by the amount of financial planning fee paid by the client.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 7 Either party may terminate the financial planning agreement by written notice to the other. In the event the client terminates DPS Advisors’ financial planning services, the balance of prepaid, unearned fees (if any) will be refunded to the client promptly. Portfolio Management Services Fees For portfolio management services, DPS Advisors charges an annual fee based on a percentage of assets under management. Fees are based on the following fee schedule: Assets Under Management $0 to $250,000 $250,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $3,000,000 Over $3,000,000 Advisory Fee 2.00% 1.80% 1.50% 1.35% 1.00% DPS Advisors’ portfolio management fees are payable monthly in arrears and are based on the average daily value of the assets of the month just ended. Our firm uses a breakpoint fee schedule. This means that the entire portfolio is charged the same asset management fee. For example, a client with an average daily balance of $1,000,000 for the month would pay $1,500 in fees for that month ($1,000,000 x 1.80% = $18,000. $18,000/12 = $1,500). The Custodian will calculate the average daily value of the AUM of the month that just ended and will multiply that amount by the respective fraction of the annual advisory fee (i.e., 1/12 for monthly). Other fee payment arrangements can be negotiated on a case-by-case basis. These arrangements will be listed in the advisory agreement signed by the firm and the client. The fee is deducted from the client's account held at the custodian. The client authorizes us to debit the fee from the client’s account. If insufficient cash is available to pay such fees, securities in an amount equal to the balance of unpaid fees will be liquidated to pay for the unpaid balance. We may deduct the fee from a single, Client- designated account to facilitate billing. We encourage you to carefully review the statements you receive from the qualified custodian. If you have questions about your statements, or if you did not receive a statement from the qualified custodian, please call our office number located on the cover page of this brochure. In limited cases, we may invoice the client directly for the payment of fees. The fee listed above includes the compensation received by the model provider. We may modify the fee at any time upon 30 days’ prior written notice. Our annual fee is exclusive of and in addition to brokerage commissions, transaction fees, and other related costs and expenses, which will be incurred by the client. However, we will not receive any portion of the commissions, fees, and costs. Please see Item 12 – Brokerage Practices for further information on brokerage and transaction costs. If the disclosure brochure – Part 2 of the Form ADV - is not delivered to you within 48 hours prior to you entering into the portfolio management agreement, you may terminate the portfolio management agreement within five business days of the date of acceptance without penalty. If you received the disclosure documents 48 hours in advance or if the five-day grace period has expired, the portfolio management agreement may be canceled at any  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 8 time by the client or by DPS Advisors with 30 days’ prior written notice to the other party. Refunds are not applicable because the fee is payable in arrears. Additional Information About Fees and Expenses Advisory recommendations are based on financial information and situation that you disclose to us at the time the services are provided. Certain assumptions may be made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is in no way an indication of future returns. As your financial situation, goals, objectives, or needs change, you must notify us promptly. DPS Advisors’ fees are negotiable based on the complexity of client goals and objectives and level of services rendered. We also allow Associated Persons servicing the account to negotiate the exact investment management fees within the range disclosed in our Form ADV Part 2A Brochure. As a result, the Associated Person servicing your account may charge more or less for the same service than another Associated Person of our firm. Further, our annual investment management fee may be higher than that charged by other investment advisors offering similar services/programs. All fees paid to DPS Advisors for investment advisory services are separate and distinct from the fees and expenses charged by mutual funds or exchange traded funds to their shareholders. These fees and expenses are described in each fund's prospectus. These fees generally include a management fee, other fund expenses, early redemption fee, and a possible distribution fee. A client could invest in a mutual fund directly, without the services of DPS Advisors. In that case, the client would not receive the services provided by DPS Advisors, which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the funds and the fees charged by DPS Advisors to understand fully the total amount of fees to be paid by the client and to evaluate the advisory services being provided. Billing on Cash Positions: The firm treats cash and cash equivalents as an asset class. Accordingly, unless otherwise agreed in writing, all cash and cash equivalent positions (e.g., money market funds, etc.) are included as part of assets under management for purposes of calculating the firm’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), the firm may maintain cash and/or cash equivalent positions for defensive, liquidity, or other purposes. While assets are maintained in cash or cash equivalents, such amounts could miss market advances and, depending upon current yields, at any point in time, the firm’s advisory fee could exceed the interest paid by the client’s cash or cash equivalent positions. Periods of Portfolio Inactivity: The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, the firm will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including but not limited to investment performance, fund manager tenure, style drift, account additions/withdrawals, the client’s financial circumstances, and changes in the client’s investment objectives. Based upon these and other factors, there may be extended periods of time when the firm determines that changes to a client’s portfolio are neither necessary nor prudent. Notwithstanding, unless otherwise agreed in writing, the firm’s annual investment advisory fee will continue to apply during these periods, and there can be no assurance that investment decisions made by the firm will be profitable or equal any specific performance level(s).  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 9 Sales Compensation DPS Advisors is affiliated with Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, a licensed insurance agency, through common ownership and control. Additionally, Certain Executive officers and other Associated Persons of our firm are licensed as independent insurance agents. These persons will earn commission-based compensation for selling insurance products, including insurance products they sell to our clients. Insurance commissions earned by these persons are separate from and in addition to our advisory fees. The sale of insurance instruments and other commissionable products offered by Associated Persons are intended to complement our advisory services. However, this practice presents a conflict of interest because persons providing investment advice on behalf of our firm who are insurance agents have an incentive to recommend insurance products to you for the purpose of generating commissions rather than solely based on your needs. We address this conflict of interest by recommending insurance products only where we, in good faith, believe that it is appropriate for the client’s particular needs and circumstances and only after a full presentation of the recommended insurance product to our client. In addition, we explain the insurance underwriting process to our clients to illustrate how the insurer also reviews the client’s application and disclosures prior to the issuance of a resulting insuring agreement. Clients to whom the firm offers advisory services are informed that they are under no obligation to purchase insurance services. Clients who do choose to purchase insurance services are under no obligation to use our licensed Associated Persons and may use the insurance brokerage firm and agent of their choice. Where fixed annuities are sold, clients should also note that the annuity sales result in substantial up-front commissions and ongoing trails based on the annuity’s total value. In addition, many annuities contain surrender charges and/or restrictions on access to your funds. Payments and withdrawals can have tax consequences. Optional lifetime income benefit riders are used to calculate lifetime payments only and are not available for cash surrender or in a death benefit unless specified in the annuity contract. In some annuity products, fees can apply when using an income rider. Annuity guarantees are based on the financial strength and claims-paying ability of the issuing insurance company. We urge our clients to read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on any program presented are subject to change without notice. Insurance products are subject to fees and additional expenses. We strive to outline all material conflicts of interest between you, our firm, and our Associated Persons in this Disclosure Brochure. If additional conflicts arise in the future, we will notify you in writing and/or provide you an updated Disclosure Brochure. Performance-Based Fees and Side-By-Side Management - Item 6 Performance-based fees are based on a share of capital gains on or capital appreciation of the client’s assets. Our firm and Associated Persons do not accept performance-based fees.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 10 Types of Clients - Item 7 We generally offer investment advisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. DPS Advisors requires a minimum of $150,000 to open and maintain an advisory account. In our sole discretion, we may waive this requirement. This requirement can be met by combining two or more accounts owned by you or related family members. Methods of Analysis, Investment Strategies and Risk of Loss - Item 8 All asset allocation models are developed by the third-party model providers in accordance with investment programs developed by these entities. DPS Advisors will not implement its own methods of analysis. Clients should refer to the relevant third-party model provider’s Form ADV Part 2 Brochures or other disclosure documents for more information about the methods of analysis used by those firms. Investment Strategies The investment strategy for a specific client is based upon the objectives stated by the client during consultations and documented in the client profile. The client may change these objectives at any time. Each client’s profile contains information related to the client’s risk tolerance and any investment restrictions. Any other documentation as required by our firm that documents the client’s objectives and their desired investment strategy will be retained as part of the client’s file. Investing in securities involves risk of loss that clients should be prepared to bear. Clients should fully understand the nature of the contractual relationship(s) into which they are entering and the extent of their exposure to risk. Certain investing strategies may not be suitable for many members of the public. You should carefully consider whether the strategies employed would be appropriate for you in light of your experience, objectives, financial resources, and other relevant circumstances. Recommendation of Particular Types of Securities: As disclosed under the “Advisory Business” section in this Brochure, we provide advice on various types of securities and we do not necessarily recommend one particular type of security over another since each client has different needs and different tolerance for risk. Each type of security has its own unique set of risks associated with it and it would not be possible to list here all of the specific risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with it. General Investment Risk: All investments come with the risk of losing money. Investing involves substantial risks, including complete possible loss of principal plus other losses and may not be suitable for many members of the public. Investments, unlike savings and checking accounts at a bank, are not insured by the government to protect against market losses. Different market instruments carry different types and degrees of risk and you should familiarize yourself with the risks involved in the particular market instruments in which you intend to invest.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 11 Loss of Value: There can be no assurance that a specific investment will achieve its investment objectives and past performance should not be seen as a guide to future returns. The value of investments and the income derived may fall as well as rise and investors may not recoup the original amount invested. Investments may also be affected by any changes in exchange control regulation, tax laws, withholding taxes, international, political and economic developments, and governmental economic or monetary policies. Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income securities may fall in value if interest rates change. Generally, the prices of debt securities rise when interest rates fall, and their prices fall when interest rates rise. Longer-term debt securities are usually more sensitive to interest rate changes. Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the issuer(s) may not make required interest payments. An issuer suffering an adverse change in its financial condition could lower the credit quality of a security, leading to greater price volatility of the security. A lowering of the credit rating of a security may also offset the security's liquidity, making it more difficult to sell. Funds investing in lower quality debt securities are more susceptible to these problems and their value may be more volatile. Foreign Exchange Risk: Foreign investments may be affected favorably or unfavorably by exchange control regulations or changes in the exchange rates. Changes in currency exchange rates may influence the share value, the dividends or interest earned and the gains and losses realized. Exchange rates between currencies are determined by supply and demand in the currency exchange markets, the international balance of payments, governmental intervention, speculation, and other economic and political conditions. If the currency in which a security is denominated appreciates against the US Dollar, the value of the security will increase. Conversely, a decline in the exchange rate of the currency would adversely affect the value of the security. Risks Associated with Investing in Equities: Investments in equities generally refers to buying shares of stocks by an individual or firms in return for receiving a future payment of dividends and capital gains if the value of the stock increases. There is an innate risk involved when purchasing a stock that it may decrease in value and the investment may incur a loss. Risks Associated with Investing in Mutual Funds: Mutual funds are professionally managed collective investment systems that pool money from many investors and invest in stocks, bonds, short-term money market instruments, other mutual funds, other securities, or any combination thereof. The fund will have a manager that trades the fund's investments in accordance with the fund's investment objective. While mutual funds generally provide diversification, risks can be significantly increased if the fund is concentrated in a particular sector of the market, primarily invests in small cap or speculative companies, uses leverage (i.e., borrows money) to a significant degree, or concentrates in a particular type of security (i.e., equities) rather than balancing the fund with different types of securities. The returns on mutual funds can be reduced by the costs to manage the funds. In addition, while some mutual funds are “no load” and charge no fee to buy into, or sell out of, other types of mutual funds do charge such fees which can also reduce returns. Risks Associated with Investing in Exchange Traded Funds (ETF): Investing in ETF's carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Investments in these securities are not guaranteed or insured by the FDIC or any other government agency.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 12 Risks Associated with Investing in Private Funds: Private investment funds are not registered with the Securities and Exchange Commission and may not be registered with any other regulatory authority. Accordingly, they are not subject to certain regulatory restrictions and oversight to which other issuers are subject. There may be little public information available about their investments and performance. Moreover, as sales of shares of private investment companies are generally restricted to certain qualified purchasers, it could be difficult for a client to sell shares of a private investment company at an advantageous price and time. Since shares of private investment companies are not publicly traded, from time to time it may be difficult to establish a fair value for the client’s investment in these companies. Cybersecurity Risks: Our firm and our service providers are subject to risks associated with a breach in cybersecurity. Cybersecurity is a generic term used to describe the technology, processes, and practices designed to protect networks, systems, computers, programs, and data from cyber-attacks and hacking by other computer users, and to avoid the resulting damage and disruption of hardware and software systems, loss or corruption of data, and/or misappropriation of confidential information. In general, cyber-attacks are deliberate; however, unintentional events may have similar effects. Cyber-attacks may cause losses to clients by interfering with the processing of transactions, affecting the ability to calculate net asset value or impeding or sabotaging trading. Clients may also incur substantial costs as the result of a cybersecurity breach, including those associated with forensic analysis of the origin and scope of the breach, increased and upgraded cybersecurity, identity theft, unauthorized use of proprietary information, litigation, and the dissemination of confidential and proprietary information. Any such breach could expose our firm to civil liability as well as regulatory inquiry and/or action. In addition, clients could be exposed to additional losses as a result of unauthorized use of their personal information. While our firm has established business continuity plans, incident response plans and systems designed to prevent cyber-attacks, there are inherent limitations in such plans and systems, including the possibility that certain risks have not been identified. Similar types of cyber security risks also are present for issuers of securities in which we invest, which could result in material adverse consequences for such issuers and may cause a client's investment in such securities to lose value. Public Health-Related Risk: Public health crises, such as viral outbreaks and other communicable diseases, can spread quickly throughout the country and the world. Various measures taken by countries, including the United States, both on a macro countrywide level and on a local level, to combat such crises, including quarantines, travel bans, bans on public events, bans on large public gatherings, closures of public venues (e.g., restaurants, concert halls, museums, theaters, schools, and stadiums), or shelter-in-place orders can significantly impact world economies. The effect on the economy and on the public can be severe. The impact of epidemics or pandemics, or widespread fear that such events may occur, could cause uncertainty for or negatively affect the global economy, as well as the economies of individual countries, the financial performance of individual companies and sectors, and markets generally in significant and unforeseeable ways. Any such impact could adversely affect the prices and liquidity of the securities and other instruments in which clients are invested, which in turn could negatively impact the account performance and cause investment losses. Recent examples include pandemic risks related to COVID-19 and aggressive measures taken worldwide in response by governments, including closing borders, restricting international and domestic travel, restrictions on businesses whose operations are deemed likely to encourage the spread of a virus, including curtailments of operations and reductions in staff, the downstream effects of those restrictions, and the imposition of prolonged quarantines of large populations. The impact of such crises could be short term or may last for extended periods of time, and in either case could result in substantial market disruptions, economic downturns, or recessions.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 13 Securities Backed Lines of Credit (SBLOCs): SBLOCs are non-purpose loans where you pledge assets in your account as collateral in return for a loan. The loan proceeds can be used for purposes other than to purchase or trade securities. Depending on your objectives, we can help you apply for a SBLOC. This can be a strategic alternative to liquidating assets to pay for unexpected expenses, a business opportunity, or a personal goal, any of which could trigger capital gain taxes. While we do not receive a fee for arranging these loans, our assistance in this process presents a conflict of interest, as we have an incentive for you to maintain these assets in your account instead of liquidating them, as liquidation could decrease the asset-based fees that we earn for managing your account. To address this conflict, we only make recommendations to obtain such loans when we believe obtaining a SBLOC is in the best interests of clients. Clients should note that they retain the ultimate decision to obtain such loans. The following are some of the primary risks associated with obtaining a SBLOC: • • • • • Interest rate payments on the principal balance of the loan are not fixed and may increase; If the value of the securities pledged as collateral decrease, you will be liable for any deficiency; The lender can force the sale or liquidation of securities held as collateral without contacting you in advance to meet collateral requirements and you are not entitled to choose which securities are liquidated or sold; You are only entitled to draw on the line to the extent there is credit availability; and There may be additional risks when money funds or similar investments may produce less interest income or other yield than the interest you are paying on the loan. We urge our clients to carefully read all disclosures and agreements prior to entering into an SBLOC or non- purpose loan. While we can assist in the application process, we are not involved in the approval process. Political Risk: Each administration presents its own set of policy risks that could impact investors. One of the policy tools that an administration can implement is the imposition of tariffs, or the threats thereof. The scope, implementation, and duration of tariffs can create uncertainty domestically and globally. Industries that rely on imported raw material or that have heavily integrated cross-border manufacturing practices may be most impacted by the imposition of tariffs. However, it is challenging to predict the impact of actual and/or threatened tariffs and impossible to predict future policy decisions. When tariffs are imposed, there is also a higher probability that retaliatory tariffs could be imposed, which could further impact industries and products. Tariffs in general can also permanently alter global supply chains and have far-reaching indirect impacts. Tariffs can hurt economic growth and add to inflation, which can lead to rising interest rates. Artificial Intelligence ("AI") Risk: We may rely on programs and systems that utilize AI, machine learning, probabilistic modeling, and other data science technologies ("AI Tools") when delivering our services. AI Tools are also used to record and transcribe client meetings. Clients should note that AI Tools are highly complex, and are known to have been flawed, hallucinate, reflect biases included in the data on which such tools are trained, be of poor quality, or be otherwise harmful. AI Tools present Cybersecurity Risk. The U.S. and global legal and regulatory environment relating to the use of AI Tools is uncertain and rapidly evolving, and could require changes in the firm’s implementation of AI Tools and increase compliance costs and the risk of non-compliance. Further, the firm may rely on AI Tools developed by third parties, and the firm has limited control over the accuracy and completeness of such AI Tools. Clients who do not want us to record their meetings have the option to opt out at the time of the meeting.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 14 Disciplinary Information - Item 9 Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of us or the integrity of our management. There is no history of reportable material legal or disciplinary events by our firm or our management persons. Other Financial Industry Activities or Affiliations - Item 10 Insurance Activities John P. Papa is the principal owner of Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, a licensed insurance agency. Additionally, Associated Persons of DPS Advisors are licensed insurance agents. Diversified Planning Strategies, LLC and our dually licensed Associated Persons can affect transactions in insurance products and earn commission-based compensation for these activities. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Diversified Planning Strategies, LLC and our licensed Associated Persons. DPS Advisors is not licensed as an insurance agency and will never receive direct or indirect compensation for the sale of insurance products. Receipt of commission-based compensation presents a conflict of interest because our firm and persons providing investment advice on behalf of our firm who are licensed insurance agents have an incentive to recommend insurance products to you for the purpose of generating commissions rather than recommendations made solely based on your needs. We address this conflict of interest by recommending insurance products only where we, in good faith, believe that it is appropriate for the client’s particular needs and circumstances and only after a full presentation of the recommended insurance product to our client. In addition, we explain the insurance underwriting process to our clients in illustrating how the insurer also reviews the client’s application and disclosures prior to the issuance of a resulting insuring agreement. Ultimately, all insurance sales are on a non- discretionary basis and are offered by duly licensed and supervised insurance professionals by our affiliated entity. Clients are under no obligation contractually or otherwise, to purchase insurance products through any person or entity affiliated with our firm. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading - Item 11 Description of Our Code of Ethics DPS Advisors has adopted a Code of Ethics (the “Code”) to address investment advisory conduct. The Code focuses primarily on fiduciary duty, personal securities transactions, insider trading, gifts, and conflicts of interest. The Code includes DPS Advisors’ policies and procedures developed to protect clients’ interests in relation to the following topics: ▪ ▪ The duty at all times to place the interests of clients first; The requirement that all personal securities transactions be conducted in such a manner as to be consistent with the code of ethics;  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 15 ▪ ▪ ▪ The responsibility to avoid any actual or potential conflict of interest or misuse of an employee’s position of trust and responsibility; The fiduciary principle that information concerning the identity of security holdings and financial circumstances of clients is confidential; and The principle that independence in the investment decision-making process is paramount. A copy of DPS Advisors’ Code of Ethics is available upon request to John Papa, Chief Compliance Officer, at (973) 226-6000 or at jpapa@dpsadvisors.net. Participation or Interest in Client Transactions Neither our firm nor any of our Associated Persons has any material financial interest in client securities transactions beyond the provision of investment advisory services as disclosed in this brochure. Personal Trading Practices At times, DPS Advisors and/or its Advisory Representatives may take positions in the same securities as clients. This is considered a conflict of interest with clients. DPS Advisors and its Advisory Representatives will generally be “last in” and “last out” for the trading day when trading occurs in close proximity to client trades, however, we will uphold our fiduciary responsibilities to our clients. Front running (trading shortly ahead of clients) is prohibited. Should a conflict occur because of materiality (e.g., a thinly traded stock), disclosure will be made to the client(s) at the time of trading. Mutual fund purchases are not subject to these policies because the transactions are executed at NAV at the end of the trading day. Brokerage Practices - Item 12 We recommend and request clients to implement trades and maintain custody of assets through discount brokers. We will recommend the services of Charles Schwab & Co., Inc. (“Schwab”) or Fidelity Distributors Company LLC and/or its affiliate, National Financial Services LLC (collectively “Fidelity”). Schwab and Fidelity are members of FINRA and SIPC. Schwab and Fidelity are independent and unaffiliated registered broker-dealers and are recommended by DPS Advisors to maintain custody of clients' assets and to effect trades for their accounts. The primary factor in suggesting a broker/dealer or custodian is that the services of the recommended firm are provided in a cost-effective manner. While quality of execution at the best price is an important determinant, best execution does not necessarily mean lowest price and it is not the sole consideration. The trading process of any broker/dealer suggested by DPS Advisors must be efficient, seamless, and straight-forward. Overall custodial support services, trade correction services, and statement preparation are some of the other factors determined when suggesting a broker/dealer. Research and Other Soft Dollar Benefits received from Schwab Although the following products and services are not purchased with “soft dollar” credits, we will receive certain economic benefits (soft dollar benefits) from Schwab in the form of access to Schwab’s institutional brokerage and support services at no additional cost or a discounted cost. Below is a detailed description of Schwab’s support services:  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 16 Products and Services Available to Us from Schwab Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like ours. They provide our clients and us with access to their institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to Schwab retail customers. However, certain retail investors may be able to get institutional brokerage services from Schwab without going through us. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. Services that Benefit You: Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. Services that Do Not Directly Benefit You: Schwab also makes available to us other products and services that benefit us but do not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts and operating our firm. They include investment research, both Schwab’s own and that of third parties. We use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: • • • • • provide access to client account data (such as duplicate trade confirmations and account statements) facilitate trade execution and allocate aggregated trade orders for multiple client accounts provide pricing and other market data facilitate payment of our fees from our clients’ accounts assist with back-office functions, recordkeeping, and client reporting Services that Generally Benefit Only Us: Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: Educational conferences and events Publications and conferences on practice management and business succession • • Consulting on technology and business needs • Consulting on legal and compliance-related needs • • Access to employee benefits providers, human capital consultants, and insurance providers • Marketing consulting and support • Recruiting and custodial search consulting Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. Schwab also discounts or waives its fees for some of these services or pays all or a part of a third party’s fees. Schwab also provides us with other benefits, such as occasional business entertainment for our personnel. If you did not maintain your account with Schwab, we would be required to pay for those services from our own resources.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 17 Our firm understands its duty for best execution and considers all factors in making recommendations to clients. These research services may be useful in servicing all clients and may not be used in connection with any particular account that may have paid compensation to the firm providing such services. While we may not always obtain the lowest commission rate, we believe the rate is reasonable in relation to the value of the brokerage and research services provided. Research and Other Soft Dollar Benefits received from Fidelity Fidelity’s brokerage services provide access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Fidelity include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Fidelity’s services described in this paragraph generally benefit you and your account. Services that May Not Directly Benefit You: Fidelity also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include limited scope investment research. We may use this research to service all or some substantial number of our clients’ accounts, including accounts not maintained at Fidelity. In addition to investment research, Fidelity also makes available software and other technology that: • • • • • provide access to client account data (such as duplicate trade confirmations and account statements); facilitate trade execution; provide pricing and other market data; facilitate payment of our fees from our clients’ accounts; and assist with back-office functions, recordkeeping, and client reporting. Brokerage for Client Referrals We do not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. Directed Brokerage DPS Advisors allows clients to direct brokerage. DPS Advisors may be unable to achieve most favorable execution of client transactions if clients choose to direct brokerage. This may cost clients money because without the ability to use Fidelity and/or Schwab, DPS Advisors will not be able to aggregate orders to reduce transactions costs, resulting in higher brokerage commissions and less favorable prices. Not all investment advisers allow their clients to direct brokerage. Aggregation of Orders (Block Trading) When suitable, we combine multiple orders for shares of the same securities purchased for advisory accounts we manage (this practice is commonly referred to as “block trading”). The shares are then distributed across participating accounts in a fair and equitable manner. The distribution of the shares purchased is typically proportionate to the size of the account, but it is not based on account performance or the amount or structure of management fees. Accounts owned by our firm or persons associated with our firm may participate in block trading with your accounts; however, they will not be given preferential treatment. We combine multiple orders for shares of the same securities purchased for client accounts. We do not combine multiple orders for shares of the same mutual funds purchased for advisory accounts we manage because mutual funds do not trade in blocks.  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 18 Review of Accounts - Item 13 Accounts are reviewed by the Associated Person named as adviser of record on the account. The frequency of reviews is determined based on the client’s investment objectives, but reviews are conducted no less frequently than annually. Additional reviews are usually triggered by a change in the client’s investment objectives, tax considerations, large deposits or withdrawals, large purchases or sales, loss of confidence in corporate management, or changes in macro-economic climate. The client’s independent custodian provides account statements directly to the client no less frequently than quarterly. Sub advisers will also provide clients with performance reports on at least a quarterly basis. The custodian’s statement is the official record of the client’s securities account and supersedes any statements or reports created on behalf of the client by DPS Advisors. Client Referrals and Other Compensation - Item 14 Economic Benefits Received from Non-Clients for Providing Investment advice to Clients Economic Benefits Received from Custodians As described in Item 12 above, we receive economic benefits from our custodial broker dealer in the form of support products and services they make available to us and other independent investment advisors whose clients maintain their accounts at these custodial broker dealers. The availability of custodial products and services is not dependent upon or based on the specific investment advice we provide our clients, such as buying or selling specific securities or specific types of securities for our clients. The products and services provided by the custodial broker dealer, how they benefit us, and the related conflicts of interest are described above (see Item 12 – Brokerage Practices). Economic Benefits Received from Vendors Occasionally, DPS Advisors and employees will receive additional compensation from vendors, including Foundations Investment Advisors LLC. However, such compensation will not be tied to the sales of any products. Compensation could include such items as gifts valued at less than $500 annually; an occasional dinner or ticket to a sporting event; reimbursement in connection with educational meetings with an Associated Person, reimbursement for compliance consulting services, client workshops, or events; or marketing events or advertising initiatives, including services for identifying prospective clients. Economic Benefits Received from Product sponsors Product sponsors may also pay for or reimburse DPS Advisors for the costs associated with DPS Advisors employees and investment adviser representatives attending various education or training events, as well as DPS Advisors sponsored conferences and events. Sale of Insurance Products  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 19 Associated Persons of DPS Advisors will solicit, offer and sell insurance products to you for commissions in their separate capacity as insurance agents. This represents a conflict of interest since the Associated Persons receive fees and/or commissions if you choose to implement the recommendations of your Associated Persons in his or her separate capacity as an insurance agent. You are under no obligation to implement recommendations through our Associated Persons and are free to choose any insurance company you wish to implement the recommendations. DPS Advisors is not licensed as an insurance agency and will never receive direct or indirect compensation for the sale of insurance products. Compensation for Client Referrals DPS Advisors does not engage solicitors or otherwise compensate third parties for client referrals. Custody - Item 15 We do not have custody of any of your funds and/or securities. All fees are deducted by the sub adviser pursuant to the fee deduction authority granted by the client to the sub adviser. Your funds and securities will be held with a bank, broker-dealer, or other independent, qualified custodian. You will receive account statements from the independent, qualified custodian(s) holding your funds and securities at least quarterly. The account statements from your custodian(s) will indicate the amount of our advisory fees deducted from your account. You should carefully review account statements for accuracy. If you have questions regarding your account or if you did not receive a statement from your custodian, please contact us at (973) 226- 6000 or at jpapa@dpsadvisors.net. Investment Discretion - Item 16 DPS Advisors’ portfolio management services are offered on a discretionary basis. This authority is granted to us by you in the Investment Management Agreement. This allows our firm and/or the sub adviser to choose the quantity of the securities to be purchased or sold and whether to place buy or sell orders for your account without obtaining your approval for each transaction. If you wish, you may limit our discretionary authority by, for example, setting a limit on the type of securities that can be purchased for your account. Simply provide us with your restrictions or guidelines in writing. Please refer to the “Advisory Business” section in this Brochure for more information on our discretionary management services. If you have engaged us for non-discretionary portfolio management services, we will obtain your approval prior to executing any transactions in your account(s).  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 20 Voting Client Securities - Item 17 DPS Advisors does not vote proxies. It is the client's responsibility to vote proxies. Clients will receive proxy materials directly from the custodian. Questions about proxies may be made via the contact information on the cover page. Financial Information - Item 18 We are required in this Item to provide you with certain financial information or disclosures about DPS Advisors’ financial condition. DPS Advisors does not require the prepayment of over $1,200, six or more months in advance. Additionally, DPS Advisors has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients, and DPS Advisors has not been the subject of a bankruptcy proceeding. Requirements of State-Registered Advisers - Item 19 This Item is not applicable because our firm is SEC registered  Diversified Planning Strategies Advisors LLC Form ADV Part 2A Brochure Page 21 Diversified Planning Strategies Advisors LLC Privacy Policy Notice This notice is being provided to you in accordance with the Securities and Exchange Commission’s rule regarding the privacy of consumer financial information (“Regulation S-P”). Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your nonpublic personal information. Information We Collect: Diversified Planning Strategies Advisors LLC (DPS Advisors) must collect certain personally identifiable financial information about its customers to provide financial services and products. The personally identifiable financial information that we gather during the normal course of doing business with you may include: • • • information we receive from you on applications or other forms; information about your transactions with us, our affiliates, or others; information we receive from a consumer reporting agency. Information We Disclose: We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law, as necessary to provide services to you or if you have given us permission in writing. In accordance with Section 248.13 of Regulation S-P, we may disclose all of the information we collect, as described above, to certain nonaffiliated third parties such as our attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information. Regulation S-AM: Under Regulation S-AM, we are prohibited from using eligibility information that we receive from an affiliate to make a marketing solicitation unless: 1. 2. 3. the potential marketing use of that information has been clearly, conspicuously and concisely disclosed to the consumer; the consumer has been provided a reasonable opportunity and a simple method to opt out of receiving the marketing solicitations; and the consumer has not opted out. DPS Advisors and its affiliated insurance firm, Diversified Planning Strategies, LLC, share eligibility information obtained from clients with each other to make marketing solicitations. Please contact us at (973) 226-6000 or at jpapa@dpsadvisors.net if you do not want us or our affiliated insurance firm to share your information with each other to make marketing solicitations. Regulation S-ID: Regulation S-ID requires our firm to have an Identity Theft Protection Program (ITPP) that controls reasonably foreseeable risks to customers or to the safety and soundness of our firm from identity theft. We have developed an ITPP to adequately identify and detect potential red-flags to prevent and mitigate identity theft. Confidentiality and Security: We restrict access to nonpublic personal information about you to those Employees who need to know that information to provide financial products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Accuracy: DPS Advisors strives to maintain accurate personal information in our client files at all times. However, as personal situations, facts and data change over time; we encourage our clients to provide feedback and updated information to help us meet our goals.  John P. Papa Personal CRD Number: 1834731 Managing Member / Chief Compliance Officer / Investment Adviser Representative Diversified Planning Strategies Advisors LLC April 30, 2026 101 Eisenhower Pkwy., Suite 108 Roseland, NJ 07068 Tel: (973) 226-6000 Fax: (973) 226-6256 Email: jpapa@dpsadvisors.net Website: www.dpsadvisors.net Form ADV Part 2B Brochure Supplement - John P. Papa This Brochure Supplement provides information about John P. Papa that supplements the Disclosure Brochure of Diversified Planning Strategies Advisors LLC (hereinafter “DPS Advisors”), a copy of which you should have received. Please contact DPS Advisors’ Chief Compliance Officer if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about John P. Papa is available on the SEC’s website at www.adviserinfo.sec.gov. Mr. Papa’s CRD number is 1834731.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 2 Educational Background and Business Experience - Item 2 John P. Papa Year of Birth: 1964 Formal Education After High School: ▪ Trenton State College, Bachelor of Business Management, 1986 Business Background for the Previous Five Years: ▪ Diversified Planning Strategies Advisors LLC, Managing Member/CCO, 04/2022 to Present; Investment Adviser Representative, 05/2022 to Present ▪ Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, President/Agent, 08/1985 to Present ▪ AE Wealth Management, LLC, Investment Adviser Representative, 05/2016 to 09/2022 Disciplinary Information - Item 3 Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Papa. Mr. Papa has no history of reportable legal or disciplinary events. Other Business Activities - Item 4 DPS Advisors is affiliated with Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, a licensed insurance agency, through common ownership and control. Additionally, Mr. Papa is a licensed insurance agent. Diversified Planning Strategies, LLC and Mr. Papa can affect transactions in insurance products and earn commission-based compensation for these activities. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Diversified Planning Strategies, LLC and Mr. Papa. This conflict-of-interest incentivizes Mr. Papa to recommend insurance products based upon the compensation received, rather than on the client’s needs. Clients to whom the firm offers advisory services are informed that they are under no obligation to purchase insurance services. Clients who do choose to purchase insurance services are under no obligation to use Diversified Planning Strategies, LLC or Mr. Papa and may use the insurance brokerage firm and agent of their choice. Additional Compensation – Item 5 Apart from the receipt of compensation for the activities disclosed under Item 4 above, Mr. Papa does not receive additional compensation or economic benefits from third party sources in connection with his advisory activities.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 3 Supervision - Item 6 Mr. Papa is the sole owner, Managing Member, and Chief Compliance Officer of DPS Advisors. In this capacity, Mr. Papa is responsible for the implementation of the firm’s compliance program and monitoring of client portfolios for investment objectives and other supervisory reviews. Mr. Papa is not supervised by others. DPS Advisors has implemented a Code of Ethics and an internal compliance program that guides the firm in meeting its fiduciary obligations to clients. Mr. Papa adheres to the code of ethics and compliance manual as mandated. Clients may contact Mr. Papa at (973) 226-6000 or jpapa@dpsadvisors.net to obtain a copy of our firm's code of ethics. Additionally, DPS Advisors is subject to regulatory oversight by various agencies. These agencies require registration by DPS Advisors and its investment adviser representatives. As a registered entity, DPS Advisors is subject to examinations by regulators, which may be announced or unannounced. DPS Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding firm business. Requirements for State-Registered Advisers - Item 7 This Item is not applicable because our firm is SEC registered  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 4 Luke J. Papa Personal CRD Number: 7640817 Investment Adviser Representative Diversified Planning Strategies Advisors LLC April 30, 2026 340 Bloomfield Ave., Unit C Caldwell, NJ 07006 Tel: (973) 226-6000 Fax: (973) 226-6256 Email: luke@dpsadvisors.net Website: www.dpsadvisors.net Form ADV Part 2B Brochure Supplement This Brochure Supplement provides information about Luke J. Papa that supplements the Disclosure Brochure of Diversified Planning Strategies Advisors LLC (hereinafter “DPS Advisors”), a copy of which you should have received. Please contact DPS Advisors’ Chief Compliance Officer if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about Luke J. Papa is available on the SEC’s website at www.adviserinfo.sec.gov. Mr. Papa’s CRD number is 7640817.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 5 Educational Background and Business Experience - Item 2 Luke J. Papa Year of Birth: 2000 Formal Education After High School: ▪ University of South Carolina, Bachelor’s Degree, Sport and Fitness Administration/Management, 2022 Business Background for the Previous Five Years: ▪ Diversified Planning Strategies Advisors LLC, Office Assistant, 06/2022 to 07/2024; Investment Adviser Representative, 07/2024 to Present ▪ University of South Carolina, Student, 08/2018 to 05/2022 Disciplinary Information - Item 3 Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Papa. Mr. Papa has no history of reportable legal or disciplinary events. Other Business Activities - Item 4 DPS Advisors is affiliated with Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, a licensed insurance agency, through common ownership and control. Additionally, Mr. Papa is a licensed insurance agent. Diversified Planning Strategies, LLC and Mr. Papa can affect transactions in insurance products and earn commission-based compensation for these activities. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Diversified Planning Strategies, LLC and Mr. Papa. This conflict-of-interest incentivizes Mr. Papa to recommend insurance products based upon the compensation received, rather than on the client’s needs. Clients to whom the firm offers advisory services are informed that they are under no obligation to purchase insurance services. Clients who do choose to purchase insurance services are under no obligation to use Diversified Planning Strategies, LLC or Mr. Papa and may use the insurance brokerage firm and agent of their choice. Additional Compensation – Item 5 Apart from the receipt of compensation for the activities disclosed under Item 4 above, Mr. Papa does not receive additional compensation or economic benefits from third party sources in connection with his advisory activities.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 6 Supervision - Item 6 Mr. Papa is an investment adviser representative of DPS Advisors. In this capacity, Mr. Papa is responsible for monitoring of client portfolios for investment objectives and other supervisory reviews. Mr. Papa is supervised by John P. Papa, Managing Member and Chief Compliance Officer of DPS Advisors. John P. Papa can be reached at the phone number listed on the cover of this Brochure Supplement. DPS Advisors has implemented a Code of Ethics and an internal compliance program that guides the firm in meeting its fiduciary obligations to clients. Mr. Papa adheres to the code of ethics and compliance manual as mandated. Clients may contact Mr. Papa at (973) 226-6000 or luke@dpsadvisors.net to obtain a copy of our firm's code of ethics. Additionally, DPS Advisors is subject to regulatory oversight by various agencies. These agencies require registration by DPS Advisors and its investment adviser representatives. As a registered entity, DPS Advisors is subject to examinations by regulators, which may be announced or unannounced. DPS Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding firm business. Requirements for State-Registered Advisers - Item 7 This Item is not applicable because our firm is SEC registered  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 7 Theodore A. Fiore, Jr. Personal CRD Number: 2000406 Investment Adviser Representative Diversified Planning Strategies Advisors LLC April 30, 2026 101 Eisenhower Pkwy., Suite 108 Roseland, NJ 07068 Tel: (973) 226-6000 Fax: (973) 226-6256 Email: tfiore@dpsadvisors.net Website: www.dpsadvisors.net Form ADV Part 2B Brochure Supplement This Brochure Supplement provides information about Theodore A. Fiore, Jr. that supplements the Disclosure Brochure of Diversified Planning Strategies Advisors LLC (hereinafter “DPS Advisors”), a copy of which you should have received. Please contact DPS Advisors’ Chief Compliance Officer if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. information about Theodore A. Fiore, Jr. is available on the SEC’s website at Additional www.adviserinfo.sec.gov. Mr. Fiore’s CRD number is 2000406.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 8 Educational Background and Business Experience - Item 2 Theodore A. Fiore, Jr. Year of Birth: 1966 Formal Education After High School: ▪ New York University, Master of Business Administration Degree, Finance, 2001 ▪ ▪ Seton Hall University School of Law, Juris Doctor, Law, 1997 Saint Peter’s University. Bachelor’s Degree, Business Management/Sociology, 1989 Business Background for the Previous Five Years: ▪ Diversified Planning Strategies Advisors LLC, Investment Adviser Representative, 08/2024 to Present ▪ NYLIFE Securities, LLC, Registered Representative, 08/2023 to 07/2024 ▪ New York Live Insurance Company, Agent, 05/2023 to 07/2024 ▪ Unemployed, 03/2023 to 04/2023 ▪ Jones Lang Lasalle, Vice President-Sales Agent, 02/2020 to 02/2023 Disciplinary Information - Item 3 Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Fiore. Mr. Fiore has no history of reportable legal or disciplinary events. Other Business Activities - Item 4 DPS Advisors is affiliated with Advanced Planning Strategies, LLC dba Diversified Planning Strategies, LLC, a licensed insurance agency, through common ownership and control. Additionally, Mr. Fiore is a licensed insurance agent. Diversified Planning Strategies, LLC and Mr. Fiore can affect transactions in insurance products and earn commission-based compensation for these activities. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Diversified Planning Strategies, LLC and Mr. Fiore. This conflict-of-interest incentivizes Mr. Fiore to recommend insurance products based upon the compensation received, rather than on the client’s needs. Clients to whom the firm offers advisory services are informed that they are under no obligation to purchase insurance services. Clients who do choose to purchase insurance services are under no obligation to use Diversified Planning Strategies, LLC or Mr. Fiore and may use the insurance brokerage firm and agent of their choice. Additional Compensation – Item 5 Apart from the receipt of compensation for the activities disclosed under Item 4 above, Mr. Fiore does not receive additional compensation or economic benefits from third party sources in connection with his advisory activities.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 9 Supervision - Item 6 Mr. Fiore is an investment adviser representative of DPS Advisors. In this capacity, Mr. Fiore is responsible for monitoring of client portfolios for investment objectives and other supervisory reviews. Mr. Fiore is supervised by John P. Papa, Managing Member and Chief Compliance Officer of DPS Advisors. John P. Papa can be reached at the phone number listed on the cover of this Brochure Supplement. DPS Advisors has implemented a Code of Ethics and an internal compliance program that guides the firm in meeting its fiduciary obligations to clients. Mr. Fiore adheres to the code of ethics and compliance manual as mandated. Clients may contact Mr. Fiore at (973) 226-6000 or jfiore@dpsadvisors.net to obtain a copy of our firm's code of ethics. Additionally, DPS Advisors is subject to regulatory oversight by various agencies. These agencies require registration by DPS Advisors and its investment adviser representatives. As a registered entity, DPS Advisors is subject to examinations by regulators, which may be announced or unannounced. DPS Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding firm business. Requirements for State-Registered Advisers - Item 7 This Item is not applicable because our firm is SEC registered  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 10 Alyssa L. Loughlin Personal CRD Number: 8193777 Investment Adviser Representative Diversified Planning Strategies Advisors LLC April 30, 2026 101 Eisenhower Parkway – Suite 108 Roseland, NJ 07068 Tel: (973) 226-6000 Fax: (973) 226-6256 Email: alyssa@dpsadvisors.net Website: www.dpsadvisors.net Form ADV Part 2B Brochure Supplement This Brochure Supplement provides information about Alyssa L. Loughlin that supplements the Disclosure Brochure of Diversified Planning Strategies Advisors LLC (hereinafter “DPS Advisors”), a copy of which you should have received. Please contact DPS Advisors’ Chief Compliance Officer if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. information about Alyssa L. Loughlin is available on the SEC’s website at Additional www.adviserinfo.sec.gov. Ms. Loughlin’s CRD number is 8193777.  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 11 Educational Background and Business Experience - Item 2 Alyssa L. Loughlin Year of Birth: 1991 Formal Education After High School: ▪ Loyola University Maryland, Bachelor of Business Administration Degree, International Business, 2013 Business Background for the Previous Five Years: ▪ Diversified Planning Strategies Advisors LLC, Director of Operations, Investment Adviser ▪ Representative, 05/2025 to Present Spark Foundry, Director of Strategy, 09/2016 to 05/2025 Disciplinary Information - Item 3 Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Ms. Loughlin. Ms. Loughlin has no history of reportable legal or disciplinary events. Other Business Activities - Item 4 Ms. Loughlin is not involved in any other business activities. Additional Compensation – Item 5 Ms. Loughlin does not receive additional compensation or economic benefits from third party sources in connection with her advisory activities. Supervision - Item 6 Ms. Loughlin is an investment adviser representative of DPS Advisors. In this capacity, Ms. Loughlin is responsible for monitoring of client portfolios for investment objectives and other supervisory reviews. Ms. Loughlin is supervised by John P. Papa, Managing Member and Chief Compliance Officer of DPS Advisors. John P. Papa can be reached at the phone number listed on the cover of this Brochure Supplement. DPS Advisors has implemented a Code of Ethics and an internal compliance program that guides the firm in meeting its fiduciary obligations to clients. Ms. Loughlin adheres to the code of ethics and compliance manual as  Diversified Planning Strategies Advisors LLC Form ADV Part 2B Brochure Page 12 mandated. Clients may contact Ms. Loughlin at (973) 226-6000 or alyssa@dpsadvisors.net to obtain a copy of our firm's code of ethics. Additionally, DPS Advisors is subject to regulatory oversight by various agencies. These agencies require registration by DPS Advisors and its investment adviser representatives. As a registered entity, DPS Advisors is subject to examinations by regulators, which may be announced or unannounced. DPS Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding firm business. Requirements for State-Registered Advisers - Item 7 This Item is not applicable because our firm is SEC registered