EAST END FINANCIAL GROUP, INC.

East End Financial Group, Inc. Form ADV Part 2A – Disclosure Brochure Effective: February 11, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of the East End Financial Group, Inc. (“EEFG” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at 631-727-8111. EEFG 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 EEFG to assist you in determining whether to retain the Advisor. Additional information about EEFG and its Advisory Persons is on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 110584. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.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 EEFG. For convenience, the Advisor has combined these documents into a single disclosure document. EEFG 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. EEFG encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on February 22nd, 2025: • The Advisor has amended its fees for relationships under $500,000. Please see item 5 for additional information. • The Advisor no longer requires a relationship size minimum in order to become a client. Please see Item 7 for additional information. 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# 110584. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at 631-727-8111. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered .............................................................................................................................................. 4 C. Client Account Management .......................................................................................................................................... 6 D. Wrap Fee Programs ....................................................................................................................................................... 6 E. Assets Under Management ............................................................................................................................................ 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................. 6 B. Fee Billing ....................................................................................................................................................................... 8 C. Other Fees and Expenses ............................................................................................................................................. 9 D. Advance Payment of Fees and Termination .................................................................................................................. 9 E. Compensation for Sales of Securities .......................................................................................................................... 10 Item 6 – Performance-Based Fees and Side-By-Side Management ................................................................ 10 Item 7 – Types of Clients ..................................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 11 A. Methods of Analysis ..................................................................................................................................................... 11 B. Risk of Loss .................................................................................................................................................................. 11 Item 9 – Disciplinary Information ....................................................................................................................... 12 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 13 A. Code of Ethics .............................................................................................................................................................. 13 B. Personal Trading with Material Interest ........................................................................................................................ 13 C. Personal Trading in Same Securities as Clients .......................................................................................................... 13 D. Personal Trading at Same Time as Client ................................................................................................................... 13 Item 12 – Brokerage Practices ............................................................................................................................ 14 A. Recommendation of Custodian[s] ................................................................................................................................ 14 B. Aggregating and Allocating Trades .............................................................................................................................. 14 Item 13 – Review of Accounts ............................................................................................................................ 15 A. Frequency of Reviews .................................................................................................................................................. 15 B. Causes for Reviews ..................................................................................................................................................... 15 C. Review Reports ............................................................................................................................................................ 15 Item 14 – Client Referrals and Other Compensation ........................................................................................ 15 A. Compensation Received by EEFG ............................................................................................................................... 15 B. Compensation for Client Referrals ............................................................................................................................... 15 Item 15 – Custody ................................................................................................................................................ 16 Item 16 – Investment Discretion ......................................................................................................................... 16 Item 17 – Voting Client Securities ...................................................................................................................... 16 Item 18 – Financial Information .......................................................................................................................... 16 Form ADV Part 2B – Brochure Supplements .................................................................................................... 17 Privacy Policy ...................................................................................................................................................... 38 East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 3  Item 4 – Advisory Services A. Firm Information East End Financial Group, Inc. (“EEFG” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor was organized as a Corporation under the laws of the State of New York in March 1992. EEFG’s is primarily owned by John J. Kosinski, The Kosinski Trust #1 and The Kosinski Trust #2, Joseph J. Kosinski (Partner) and Annmarie Zilnicki (President). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by EEFG. For questions related to this Disclosure Brochure, please contact Annmarie Zilnicki at 631-727-8111 or by email at azilnicki@eefgcorp.com. B. Advisory Services Offered EEFG offers investment advisory and related services to individuals, high net worth individuals, trusts, estates, charitable organizations, municipalities, 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. EEFG’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. Investment Management Services EEFG provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary or non-discretionary investment management and related advisory services. EEFG works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an appropriate portfolio strategy. EEFG will then construct a portfolio for the Client that may include the use of our internal investment management, implementation through independent managers/platforms, and/or implementation through Osaic. Internal Investment Management – EEFG constructs portfolios utilizing low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, individual fixed income securities, certificates of deposit (“CDs”), variable annuities and/or limited partnerships, as appropriate for each Client. EEFG may also utilize fixed annuities as a replacement for all or a portion of the fixed income portion of the Client’s portfolio. 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. EEFG’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. EEFG will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. EEFG evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. EEFG may recommend, on occasion, redistributing investment allocations to diversify the portfolio. EEFG may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. EEFG may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will EEFG accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 4  Custodian, pursuant to the advisory agreement. For additional information, please see Item 12 – Brokerage Practices. 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 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, EEFG will recommend that Clients utilize one or more unaffiliated investment managers, investment platforms or other advisors (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. The Client will be required to authorize and enter into an investment management agreement with an Independent Manager that defines the terms in which the Independent Manager will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Client’s investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Retirement Plan Consulting Services (Group 401(k) Custodial Platform Plan) EEFG provides consulting services to retirement plans (each a “Plan”) and the company sponsor (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: • Vendor Analysis • Plan Sponsor and Administrative Assistance • Plan Participant Enrollment and Education • Comprehensive Plan Reviews • Analysis and Review of Investment Options • Plan Benchmarking Services Financial Planning Services EEFG will typically provide a variety of financial planning and consulting services to Clients, pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Planning engagements may be provided as a separate service offering or part of the Advisor’s comprehensive wealth management services, pursuant to the terms of the agreement[s] with the Advisor. 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, 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. EEFG 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 East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 5  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 as the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services. C. Client Account Management Prior to engaging EEFG 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 may include: • Establishing an Investment Strategy – EEFG, in connection with the Client, will develop a strategy that seeks to achieve the stated goals of the Client. • Asset Allocation – EEFG will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client. • Portfolio Construction – EEFG will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – EEFG will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs EEFG does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by EEFG. E. Assets Under Management As of December 31, 2025, EEFG manages $689,219,670 in Client assets, $688,467,594 of which are managed on a discretionary basis and $752,076 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment management agreement. Investment management fees are based on the market value of assets under management at the end of the prior calendar quarter. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 6  Investment management fees are typically based on the following schedule: Assets Under Management ($) Annual Rate (%) Up to $2,000,000 $2,000,001 to $3,000,000 $3,000,001 to $5,000,000 $5,000,001 and Over 1.00% 0.75% 0.50% 0.25% * Clients are subject to a minimum annual fee of $5,000 Investment management fees for accounts referred to the Advisor below $500,000 are billed at an annual rate of 1.20%. Certain legacy Clients may be on the following fee schedule: Assets Under Management ($) Annual Rate (%) Up to $1,000,000 $1,000,001 to $1,500,000 $1,500,001 to $2,000,000 $2,000,001 and Over 1.00% 0.75% 0.50% 0.25% * Clients are subject to a minimum annual fee of $5,000 Investment management fees for charitable organizations and municipalities are based on the following schedule: Assets Under Management ($) Annual Rate (%) Up to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 and Over 1.00% 0.75% 0.50% 0.25% * Clients are subject to a minimum annual fee of $5,000 The investment 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 may be negotiable at the sole discretion of the Advisor. Certain Clients may also have limited scope services offered at a fee schedule that is lower than listed above. Additionally, certain Clients may be offered services for a fixed annual fee engagement or other fee methodologies. The Client’s fees will take into consideration the aggregate assets under management with the Advisor All securities held in accounts managed by EEFG 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 the Advisor, 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. The Advisor may consult with the Client about certain implications due to 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 in excess of $100,000 are deposited into or withdrawn from the Client’s account[s], the Advisor’s fee will be adjusted prior to the next billing period to reflect the fee difference. The Advisor may negotiate a fee that differs from the schedule above for certain account[s] or holdings. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 7  Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Retirement Plan Consulting Services Fees for retirement plan consulting services are charged an annual asset-based fee based on the following schedule: Plan Asset Value ($) Up to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 and Over Annual Rate (%) 0.50% 0.35% 0.25% Fees may be negotiable depending on the size and complexity of the Plan and the services to be offered. Financial Planning Services EEFG offers financial planning services either on an hourly or fixed fee basis. Hourly engagements are at a rate of up to $400 per hour. Fixed fee engagements are negotiated based on the expected number of hours to complete the engagement at the Advisor’s hourly rate. An estimate for total hours and/or total costs will be provided to the Client prior to engaging for these services. B. Fee Billing Investment Management Services Investment management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor or its delegate shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter-end date. The amount due is calculated by applying the annual rate (annual rate divided by the number of days in the year, multiplied by the number of days in the quarter) to the total assets under management with EEFG at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment 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 EEFG directly from their account[s] held by the Custodian as part of the investment management agreement and separate account forms provided by the Custodian. Clients may also choose to have their fees invoiced directly by the Advisor. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Advisor and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account[s]. Retirement Plan Consulting 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 consulting agreement. Financial Planning Services Financial planning fees are invoiced by the Advisor and due upon completion of the agreed upon deliverable[s]. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 8  C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than EEFG, 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 EEFG are separate and distinct from these custody and execution fees. In addition, all fees paid to EEFG 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 EEFG, but would not receive the services provided by EEFG 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 EEFG to fully understand the total fees to be paid. Please see Item 5.E. below and Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Management Services EEFG is compensated for its investment management services in advance of the quarter in which services are rendered. Either party may terminate the investment management agreement, at any time, by providing thirty (30) days advance written notice to the other party. The Client may also terminate the investment management agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid investment management fees from the effective date of termination to the end of the quarter. The Client’s investment management agreement with the Advisor is non-transferable without the Client’s prior consent. 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. EEFG will assist the Client with the termination and transition as appropriate. Retirement Plan Consulting Services EEFG is compensated for its retirement plan consulting services in advance of the quarter in which services are rendered. Either party may terminate the retirement plan consulting agreement, at any time, by providing thirty (30) days advance written notice to the other party. The Client may also terminate the retirement plan consulting agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid advisory fees from the effective date of termination to the end of the quarter. The Client’s retirement plan consulting agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services EEFG is compensated for its services upon completion of the engagement deliverable[s]. Either party may terminate the financial planning agreement, at any time, by providing thirty (30) days advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or the percentage of the scope completed for a fixed fee engagement. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 9  E. Compensation for Sales of Securities EEFG does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. However, certain Advisory Persons may earn additional compensations as described below. Broker-Dealer Affiliation Advisory Persons are also registered representatives of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker-dealer (CRD No. 23131), member FINRA, SIPC. In one’s separate capacity as a registered representative of Osaic, an Advisory Person may implement securities transactions under Osaic and not through EEFG. 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 the Advisor’s fees. This practice presents a conflict of interest because the Advisory Person who is a registered representative has an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Clients are not obligated to implement any recommendation provided by the Advisor nor Advisory Persons. Please see Item 10 – Other Financial Industry Activities and Affiliations. Investment Adviser Affiliation Certain Advisory Persons are also investment advisor representatives of Osaic Wealth, Inc, Inc. (CRD# 23131), an unaffiliated registered investment advisor (“Osaic”). In certain instances, an Advisory Person may recommend implementation of investment management services under Osaic and not EEFG. If a Client implements investments under Osaic, the Advisor will not charge an additional investment advisory fee. Please see Item 10 – Other Financial Industry Activities and Affiliations. Insurance Agency Affiliation Certain Advisory Persons are also licensed as insurance professionals implementing insurance either independently or through Osaic or Kosinski Associates Inc. (“Kosinski Associates”), an affiliated insurance agency. As an insurance professional or agency, an Advisory Person, Osaic or Kosinski Associates will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Additionally, certain members of EEFG management will receive revenue directly from Kosinski Associates. Insurance commissions earned by Advisory Persons, Osaic or Kosinski Associates are separate and in addition to advisory fees. This practice presents a conflict of interest because the person providing investment advice on behalf of the Advisor who is also an insurance professional has an incentive to recommend insurance products to Clients for the purpose of generating commissions or revenue rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. Item 6 – Performance-Based Fees and Side-By-Side Management EEFG does not charge performance-based fees for its investment advisory services. The fees charged by EEFG are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. EEFG 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 EEFG offers investment advisory and related services to individuals, high-net-worth individuals, trusts, estates, charitable organizations, municipalities, businesses, and retirement plans. EEFG generally does not implement a minimum size for establishing a relationship to effectively implement its investment process. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 10  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis EEFG employs fundamental, technical and cyclical analysis in developing investment strategies for its Clients. Research and analysis from EEFG 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 EEFG will be able to accurately predict such a reoccurrence. Cyclical analysis is similar to technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the particular company that EEFG is recommending. The risks with cyclical analysis are similar to those of technical analysis. As noted above, EEFG generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. EEFG 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, EEFG 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. EEFG will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 11  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. 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 price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. 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 EEFG or any of its management persons. EEFG values the trust Clients place in the Advisor. As we advise all Clients, the Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 110584. Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5.E., Advisory Persons are also registered representatives of Osaic . In one’s separate capacity as a registered representative, an Advisory Person will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by an Advisory Person. Investment Adviser Affiliation As noted in Item 5.E., certain Advisory Persons are also investment advisor representatives of Osaic and may recommend implementation of investment management services under Osaic and not EEFG. In such instances, the Advisory Person will deliver the ADV 2A – Disclosure Brochure and ADV 2B – Brochure Supplement[s] for Osaic. The Client will enter into a separate agreement with Osaic. Clients are not obligated to obtain advisory East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 12  services through Osaic and the Advisor will not earn ongoing investment advisory fees in connection with any services implemented in an Advisory Person’s separate capacity with Osaic. Insurance Agency Affiliations As noted in Item 5.E., Advisory Persons are also licensed as insurance professionals and implementing insurance recommendations either independently or through Osaic or Kosinski Associates. Implementations of insurance recommendations are separate and apart from one’s role with EEFG. As an insurance professional or agency, an Advisory Person, Osaic or Kosinski Associates will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Additionally, certain members of EEFG’s management will also receive revenue directly from Kosinski Associates. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest because the person providing investment advice on behalf of the Advisor who is also an insurance professional has an incentive to recommend insurance products to Clients for the purpose of generating commissions or revenue rather than solely based on Client needs. Clients are under no obligation to purchase insurance products through an Advisory Person of EEFG, Osaic or Kosinski Associates. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics EEFG 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 EEFG (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. EEFG and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of EEFG’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 our Code, please contact the Advisor at 631-727-8111. B. Personal Trading with Material Interest EEFG allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. EEFG 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. EEFG does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients EEFG allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated 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 non-public information. This risk is mitigated by EEFG 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 EEFG allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 13  no time will EEFG, or any Supervised Person of EEFG, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] EEFG does not maintain custody of Client assets and 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 EEFG to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, EEFG does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where EEFG does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by EEFG. As its Advisory Persons are also registered representatives of Osaic, EEFG and its Advisory Persons are limited in the Custodian[s] in which they can recommend to Clients. EEFG may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, its reputation, and/or the location of the Custodian’s offices. Typically, EEFG will recommend that Clients establish accounts at Pershing LLC, member FINRA, NYSE, SIPC, which is a wholly- owned subsidiary of The Bank of New York Mellon Corporation (herein “Pershing”). Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. EEFG does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodians. However, the Advisor receives certain economic benefits from Pershing. Please see Item 14. 2. Brokerage Referrals - EEFG 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 EEFG will place trades within the established account[s] at the Custodian as designated by the Client. Further, all Client accounts are traded within their respective account[s] at the Custodian. 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]). EEFG will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. EEFG will execute its transactions through the Custodian as directed by the Client. EEFG may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Client accounts. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 14  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of EEFG and periodically by the CCO. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Financial planning requires a timely and regular review of a Client’s financial situation. Although the Client may engage EEFG to review the Client’s financial plan at any time, the Advisor encourages the Client to engage and participate in an annual review at a minimum. 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 frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify EEFG 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]. Investment management Clients and those with other asset tracking engagements receive quarterly valuation reports. 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 EEFG EEFG may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, EEFG may receive non-compensated referrals of new Clients from various third-parties. EEFG is not compensated for such referrals. Participation in Institutional Advisor Platform EEFG has established an institutional relationship with Pershing to assist the Advisor in managing Client account[s]. Access to the Pershing Institutional platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Pershing. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from Pershing: receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 15  Item 15 – Custody The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Item 16 – Investment Discretion EEFG 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 EEFG. 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 EEFG will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities EEFG 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 EEFG, nor its management have any adverse financial situations that would reasonably impair the ability of EEFG to meet all obligations to its Clients. Neither EEFG, nor any of its Advisory Persons have been subject to a bankruptcy or financial compromise. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 16  Form ADV Part 2B – Brochure Supplement for Joseph J. Kosinski, CFP®, ChFC® Partner Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Joseph J. Kosinski, CFP®, ChFC®, (CRD# 4633352) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 631-727-8111. Additional information about Mr. Kosinski 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# 4633352. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 17  Item 2 – Educational Background and Business Experience Joseph J. Kosinski, CFP®, ChFC®, born in 1979, is dedicated to advising Clients of EEFG as a Partner. Mr. Kosinski earned a Bachelors in Mechanical Engineering from Villanova University in 2001. Additional information regarding Mr. Kosinski’s employment history is included below. Employment History: 09/2005 to Present 01/2018 to Present 09/2005 to Present Partner, East End Financial Group, Inc. Investment Advisor Representative, Osaic Wealth, Inc. formerly American Portfolios Advisors, Inc. Registered Representative, Osaic Wealth, Inc. formerly American Portfolios Financial Services, Inc. Insurance Agent, Kosinski Associates, Inc. Inside Wholesaler, John Hancock Funds, LLC Registered Assistant, Wachovia Securities, LLC 09/2005 to Present 07/2004 to 09/2005 10/2003 to 06/2004 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 18  Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. 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 • Demonstrate mastery of the core financial planning knowledge required of a CERTIFIED FINANCIAL PLANNERTM by passing the CFP® certification exam • 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. Kosinski. Mr. Kosinski 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. Kosinski. 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. Kosinski. However, the Advisor does encourage you to independently view the background of Mr. Kosinski on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4633352. Item 4 – Other Business Activities Investment Adviser Affiliation Mr. Kosinski is also an investment advisor representative of Osaic Wealth, Inc. (CRD# 23131), an unaffiliated registered investment advisor (“Osaic”). This activity is done separate and apart from his role with EEFG. As a result, this could cause a conflict of interest as Mr. Kosinski may be unavailable to service Client accounts during normal trading hours. Broker-Dealer Affiliation Mr. Kosinski is also a registered representative of Osaic Wealth, Inc. (“APFS”). Osaic is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Kosinski’s separate capacity as a registered representative, Mr. Kosinski will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Kosinski. Neither the Advisor nor Mr. Kosinski will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Kosinski’s separate capacity as a registered representative. Mr. Kosinski spends approximately 10% of his time per month in his role as a registered representative of Osaic. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 19  Insurance Agency Affiliations Mr. Kosinski is also a licensed insurance professional and will implement insurance recommendations either independently or through Osaic or Kosinski Associates, Inc., an affiliated insurance agency. Implementations of insurance recommendations are separate and apart from Mr. Kosinski’s role with EEFG. As an insurance professional, Mr. Kosinski will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Kosinski receives compensation directly from Kosinski Associates. Commissions and other revenue generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Kosinski or the Advisor. Board of Education Trustee Mr. Kosinski serves as a Trustee for the Board of Education of the East Moriches UFSD. Mr. Kosinski is not compensated for this position. Mr. Kosinski spends less than 5 hours per month in this capacity. Item 5 – Additional Compensation Mr. Kosinski has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Kosinski serves as a Partner of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at 631-727-8111. EEFG has implemented a Code of Ethics, an internal compliance documents that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 20  Form ADV Part 2B – Brochure Supplement for Jack F. Kosinski, CFP® Partner Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jack F. Kosinski (CRD# 5246787) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 631-727-8111. Additional information about Mr. Kosinski 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# 5246787. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 21  Item 2 – Educational Background and Business Experience Jack F. Kosinski, CFP®, born in 1984, is dedicated to advising Clients of EEFG as a Partner and Investment Advisor Representative. Mr. Kosinski also earned a Bachelor of Science from Indiana University in 2006. Additional information regarding Mr. Kosinski’s employment history is included below. Employment History: 04/2010 to Present 04/2010 to Present Partner, East End Financial Group, Inc. Registered Representative, Osaic Wealth, Inc. formerly American Portfolios Financial Services, Inc. Insurance Agent, Kosinski Associates, Inc. 04/2010 to Present CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 22  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Kosinski. Mr. Kosinski 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. Kosinski. 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. Kosinski. However, the Advisor does encourage you to independently view the background of Mr. Kosinski on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5246787. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Kosinski is also a registered representative of Osaic Wealth, Inc. (“Osaic”). APFS is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Kosinski’s separate capacity as a registered representative, Mr. Kosinski will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Kosinski. Neither the Advisor nor Mr. Kosinski will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Kosinski’s separate capacity as a registered representative. Mr. Kosinski spends approximately 10% of his time per month in his role as a registered representative of Osaic. Insurance Agency Affiliations Mr. Kosinski is also a licensed insurance professional and will implement insurance recommendations either independently or through Osaic or Kosinski Associates, Inc., an affiliated insurance agency. Implementations of insurance recommendations are separate and apart from Mr. Kosinski’s role with EEFG. As an insurance professional, Mr. Kosinski will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Kosinski receives compensation directly from Kosinski Associates. Commissions and other revenue generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Kosinski or the Advisor. Item 5 – Additional Compensation Mr. Kosinski has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Kosinski serves as a Partner and Investment Advisor Representative of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at 631-727-8111. EEFG has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 23  Form ADV Part 2B – Brochure Supplement for Jeffrey R. Connolly, CFA® Partner Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeffrey R. Connolly (CRD# 5990424) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 631-727-8111. Additional information about Mr. Connolly 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# 5990424. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 24  Item 2 – Educational Background and Business Experience Jeffrey R. Connolly, CFA®, born in 1986, is dedicated to advising Clients of EEFG as Partner. Mr. Connolly earned a B.A. from College of the Holy Cross in 2008. Additional information regarding Mr. Connolly’s employment history is included below. Employment History: 07/2017 to Present 07/2017 to Present Partner, East End Financial Group, Inc. Registered Representative, Osaic Wealth, Inc. formerly American Portfolios Financial Services, Inc. Research Analyst, Kosinski Associates, Inc. Research Analyst, Value Line LLC Director Equity Research, Clarksons Platou Securities, Inc. Vice President Equity Research, Mizuho Securities USA Research Analyst, Brean Capital Research Analyst, Sidoti & Company 07/2017 to Present 07/2016 to 07/2017 01/2015 to 07/2016 11/2013 to 12/2014 10/2012 to 11/2013 10/2011 to 10/2012 Chartered Financial Analyst (“CFA®”) The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. There are currently more than 138,000 CFA charterholders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • • • • • Place their clients’ interests ahead of their own Maintain independence and objectivity Act with integrity Maintain and improve their professional competence Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders—often making the charter a prerequisite for employment. Additionally, regulatory bodies in over 30 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Comprehensive and Current Knowledge The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 25  The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA charter, visit www.cfainstitute.org. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Connolly. Mr. Connolly 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. Connolly. 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. Connolly. However, the Advisor does encourage you to independently view the background of Mr. Connolly on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5990424. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Connolly is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Connolly’s separate capacity as a registered representative, Mr. Connolly will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Connolly. Neither the Advisor nor Mr. Connolly will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Connolly’s separate capacity as a registered representative of Osaic. Agency Affiliation Mr. Connolly is also a Research Analyst for Kosinski Associates, Inc., an affiliated insurance agency. This position is not-investment related and Mr. Connolly does receive compensation for this role. Mr. Connolly is not licensed to implement insurance products in this administrative operations role. Mr. Connolly devotes approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Connolly has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Connolly serves as a Partner of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at 631-727-8111. EEFG has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 26  Form ADV Part 2B – Brochure Supplement for Ernest Vorpahl, CFP® Senior Wealth Advisor Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Ernest Vorpahl (CRD# 2717578) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 631-727-8111. Additional information about Mr. Vorpahl 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# 2717578. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 27  Item 2 – Educational Background and Business Experience Ernest Vorpahl, CFP®, born in 1973, is dedicated to advising Clients of EEFG as a Financial Planner. Mr. Vorpahl also earned a B.A. in Business & Economics from Lafayette College in 1995. Additional information regarding Mr. Vorpahl’s employment history is included below. Employment History: 02/1999 to Present 01/2012 to Present 03/2003 to Present Financial Planner, East End Financial Group, Inc. Investment Advisor Representative, Osaic Wealth, Inc. fomerly American Portfolio Advisors, Inc. Registered Representative, Osaic Wealth, Inc. formerly Portfolios Financial Services, Inc. Insurance Agent, Kosinski Associates, Inc. 02/1999 to Present CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 28  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Vorpahl. Mr. Vorpahl 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. Vorpahl. 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. Vorpahl. However, the Advisor does encourage you to independently view the background of Mr. Vorpahl on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2717578. Item 4 – Other Business Activities Investment Adviser Affiliation Mr. Vorpahl is also an investment advisor representative of Osaic Wealth, Inc. (CRD# 23131), an unaffiliated registered investment advisor (“Osaic”). This activity is done separate and apart from his role with EEFG. As a result, this presents a conflict of interest as Mr. Vorpahl may be unavailable to service Client accounts during normal trading hours. Broker-Dealer Affiliation Mr. Vorpahl is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker-dealer (CRD# 23131), member FINRA, SIPC. In Mr. Vorpahl’s separate capacity as a registered representative, Mr. Vorpahl will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Vorpahl. Neither the Advisor nor Mr. Vorpahl will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Vorpahl’s separate capacity as a registered representative. Mr. Vorpahl spends approximately 10% of his time per month in his role as a registered representative of Osaic. Insurance Agency Affiliations Mr. Vorpahl is also a licensed insurance professional and will implement insurance recommendations either independently or through Osaic or Kosinski Associates, Inc., an affiliated insurance agency. Implementations of insurance recommendations are separate and apart from Mr. Vorpahl’s role with EEFG. As an insurance professional, Mr. Vorpahl will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Vorpahl is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Vorpahl or the Advisor. Item 5 – Additional Compensation Mr. Vorpahl has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Vorpahl serves as a Financial Planner of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at 631-727-8111. EEFG has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG is East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 29  required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 30  Form ADV Part 2B – Brochure Supplement for Mark A. Poitras, CFP® Senior Wealth Advisor Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Mark A. Poitras (CRD# 5574063) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact the Advisor at 631-727-8111. Additional information about Mr. Poitras 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# 5574063. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 31  Item 2 – Educational Background and Business Experience Mark A. Poitras, CFP®, born in 1976, is dedicated to advising Clients of EEFG as a Financial Planner. Mr. Poitras earned a B.S. in Biology, Minor in Computer Science from Binghamton University in 1998. Additional information regarding Mr. Poitras’ employment history is included below. Employment History: 08/2017 to Present 08/2017 to Present 08/2017 to Present Financial Planner, East End Financial Group, Inc. Investment Advisor Representative,Osaic Wealth, Inc. formerly American Portfolios Advisors, Inc. Registered Representative, Osaic Wealth, Inc. formerly American Portfolios Financial Services, Inc. Insurance Agent, Kosinski Associates, Inc. Vice President, Premier Relationship Advisor, HSBC Securities (USA) Inc. Financial Advisor, Merrill Lynch, Pierce, Fenner & Smith, Inc. Sales Manager, PAR East Mortgage Financial Advisor, Royal Alliance Associates Financial Advisor, Nationwide Securities, LLC Financial Advisor, 1717 Capital Management 08/2017 to Present 03/2013 to 01/2017 01/2011 to 03/2013 11/1999 to 01/2011 07/2010 to 01/2011 08/2008 to 07/2010 07/2008 to 08/2008 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 32  care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 – Disciplinary Information 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. There are no legal, civil or disciplinary events to disclose regarding Mr. Poitras. However, the Advisor does encourage you to independently view the background of Mr. Poitras on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5574063. Item 4 – Other Business Activities Investment Adviser Affiliation Mr. Poitras is also an investment advisor representative of Osaic, Inc. (CRD# 23131), an unaffiliated registered investment advisor (“Osaic”). This activity is done separate and apart from his role with EEFG. As a result, this presents a conflict of interest as Mr. Poitras may be unavailable to service Client accounts during normal trading hours. Broker-Dealer Affiliation Mr. Poitras is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker-dealer (CRD# 23131), member FINRA, SIPC. In Mr. Poitras’ separate capacity as a registered representative, Mr. Poitras will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Poitras. Neither the Advisor nor Mr. Poitras will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Poitras’ separate capacity as a registered representative of Osaic. Insurance Agency Affiliations Mr. Poitras is also a licensed insurance professional and will implement insurance either independently or through Osaic or Kosinski Associates, Inc., an affiliated insurance agency. Implementations of insurance recommendations are separate and apart from Mr. Poitras’ role with EEFG. As an insurance professional, Mr. Poitras will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Poitras or the Advisor. Volunteer Mr. Poitras volunteers at Sag Harbor Volunteer Ambulance, located at 16C Columbia Street, Sag Harbor, NY, 11963 since 11/2004. Mr. Poitras devotes approximately 6 hours per month in this capacity, none of which are during securities trading hours. Mr. Poitras is an advanced emergency technician as well as an instructor for the Corp and Suffolk county. Chairman Mr. Poitras is also the Chairman of the North Haven Village Zoning Board of Appeals, located in North Haven since 03/2007. Mr. Poitras hears applications from local residents for variances to the North Haven Village zoning laws. Mr. Poitras devotes approximately 2 hours per month in this capacity, none of which are during securities trading hours. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 33  Item 5 – Additional Compensation Mr. Poitras has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Poitras serves as a Financial Planner of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at 631-727-8111. EEFG has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 34  Form ADV Part 2B – Brochure Supplement for Mary B. LaFemina Investment Advisor Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Mary B. LaFemina (CRD# 4550976) in addition to the information contained in the East End Financial Group, Inc. (“EEFG” or the “Advisor”, CRD# 110584) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the EEFG Disclosure Brochure or this Brochure Supplement, please contact us at (631) 727-8111. Additional information about Mrs. LaFemina is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4550976. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 35  Item 2 – Educational Background and Business Experience Mary B. LaFemina, born in 1978, is dedicated to advising Clients of EEFG as an Investment Advisor. Mrs. LaFemina earned a Bachelor's Degree in Business from Long Island University in 2000. Additional information regarding Mrs. LaFemina’s employment history is included below. Employment History: 04/2011 to Present 04/2011 to Present Investment Advisor, East End Financial Group, Inc. Client Relationship Manager, Osaic Wealth, Inc. formerly American Portfolios Financial Services, Inc. Senior Operations Specialist, Kosinski Associates, Inc. 04/2011 to Present Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. LaFemina. Mrs. LaFemina has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. LaFemina. 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 Mrs. LaFemina. However, we do encourage you to independently view the background of Mrs. LaFemina on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4550976. Item 4 – Other Business Activities Broker-Dealer Affiliation Mrs. LaFemina is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker- dealer (CRD# 23131 ) member FINRA, SIPC. In Mrs. LaFemina’s separate capacity as a registered representative, Mrs. LaFemina will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mrs. LaFemina. Neither the Advisor nor Mrs. LaFemina will earn ongoing investment advisory fees in connection with any products or services implemented in Mrs. LaFemina’s separate capacity as a registered representative. Mrs. LaFemina’s role as a registered representative of Osaic is a full time position. Insurance Agency Affiliations Mrs. LaFemina is also a licensed insurance professional and will implement insurance either independently or through Osaic or Kosinski Associates, Inc., an affiliated insurance agency. Implementations of insurance recommendations are separate and apart from Mrs. LaFeminas’ role with EEFG. As an insurance professional, Mrs. LaFemina’s will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mrs. LaFemina or the Advisor. Item 5 – Additional Compensation Mrs. LaFemina has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 36  Mrs. LaFemina serves as an Investment Advisor of EEFG and is supervised by Annmarie Zilnicki, the Chief Compliance Officer. Ms. Zilnicki can be reached at (631) 727-8111. EEFG has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of EEFG. Further, EEFG is subject to regulatory oversight by various agencies. These agencies require registration by EEFG and its Supervised Persons. As a registered entity, EEFG is subject to examinations by regulators, which may be announced or unannounced. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 37  Privacy Policy Effective: February 11, 2026 Our Commitment to You East End Financial Group, Inc. (“EEFG” 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. EEFG (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. EEFG 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. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 38  How do we share your information? An RIA shares Client personal information to effectlively 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 No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes EEFG 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 EEFG or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients EEFG 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 631-727-8111. East End Financial Group, Inc. 318 Roanoke Avenue, Riverhead, NY 11901 Phone: 631-727-8111 * Fax: 631-727-1817 http://www.eastendfinancialgroup.com Page 39