EVIDENT FINANCIAL

Brochure Form ADV Part 2A Item 1 - Cover Page CRD# 281661 302 French Street Erie, Pennsylvania 16507 (814) 425-5182 April 29, 2026 This brochure provides information about the qualifications and business practices of AllStreet Financial, LLC. If you have any questions about the contents of this Brochure, please contact us at (814) 425-5182. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. AllStreet Financial, LLC, operating under the tradename Evident Financial, is an Investment Adviser registered with the Commonwealth of Pennsylvania. Registration does not imply a certain level of skill or www.AdviserInfo.sec.gov training. Additional information about AllStreet Financial, LLC is also available on the SEC’s website at . 1  Item 2 - Material Changes Since the last required annual amendment to this disclosure brochure was submitted in March 2026 the following material changes have been made: • • Richard Makowski was named the Chief Compliance Officer of the firm in March 2026 and Chief Executive Officer of the firm in April 2026. In March 2026, the firm’s assets under management reached a level requiring registration with the U.S. Securities and Exchange Commission. 2  Item 3 - Table of Contents Page Item 1 Cover Page ............................................................................................................................................................ 1 Item 2 Material Changes ............................................................................................................................................... 2 Item 3 Table of Contents ............................................................................................................................................... 3 Item 4 Advisory Business ............................................................................................................................................. 4 Item 5 Fees and Compensation .................................................................................................................................. 5 Item 6 Performance-Based Fees and Side-By-Side Management ................................................................. 6 Item 7 Types of Clients .................................................................................................................................................. 6 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss ......................................................... 7 Item 9 Disciplinary Information ................................................................................................................................ 8 Item 10 Other Financial Industry Activities and Affiliations ............................................................................. 8 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...........8 Item 12 Brokerage Practices ...........................................................................................................................................9 Item 13 Review of Accounts ......................................................................................................................................... 10 Item 14 Client Referrals and Other Compensation ............................................................................................. 10 Item 15 Custody ................................................................................................................................................................ 10 Item 16 Investment Discretion ................................................................................................................................... 10 Item 17 Voting Client Securities .................................................................................................................................. 11 Item 18 Financial Information ..................................................................................................................................... 11 3  Item 4 - Advisory Business General Information AllStreet Financial, LLC is a wholly-owned subsidiary of Evident Holding Company, LLC, both limited liability companies organized in the Commonwealth of Pennsylvania. AllStreet Financial, LLC was first registered as an investment advisory firm with the Pennsylvania Department of Banking and Securities in February 2016 and moved to registration with the U.S. Securities and Exchange commission in April 2026. AllStreet Financial, LLC operates under the tradename “Evident Financial” which is held out to the public for marketing purposes. As of December 31, 2025, Evident Financial managed $149,715,186 in regulatory assets under management on a discretionary basis, and $0 on a non-discretionary basis. Services Provided Investment Advisory Services Evident Financial offers discretionary investment advisory services to a wide variety of clients. Evident Financial’s investment advisory service is personalized to each client’s risk tolerance, investment time horizon, investment goals and objectives, investment restrictions, and best interests. Clients grant Evident Financial discretionary authority to manage their accounts by entering into an Investment Management Agreement with Evident Financial to provide any or all of the following services: - Ongoing investment management - Financial planning - Trading and portfolio rebalancing through unaffiliated broker-dealer - Custody through unaffiliated custodian - Tax optimization and tax loss harvesting, as applicable Financial Planning and Consulting Services Financial planning involves an evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all information and analysis will be considered as they affect and are affected by the entire financial and life situation of the client. Clients will have access to an online portal, providing a detailed financial plan designed to achieve the client’s goals and objectives. Retirement Plan Services Evident Financial offers consulting services to retirement plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor. In general, these services may include a plan review, asset allocation advice, analysis of expenses, investment recommendations, assisting in the appointment of a third-party recordkeeper and custodian, providing education services to plan participants, investment performance monitoring, and ongoing consulting. Where contracted, Evident Financial provides investment management services, including exercising discretionary authority to select and manage the plan’s investment fund lineup, ensuring alignment with the plan’s investment policies. However, the ultimate decision regarding choosing investment funds for individual accounts is made by plan participants. In cases where participants do not select their own investments, the plan sponsor engages Evident Financial to manage pooled investments on behalf of plan participants. 4  These engagements are typically regulated under the Employee Retirement Income Securities Act ("ERISA"). All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and shall be consistent with the parameters set forth in the plan documents. General Consulting Evident Financial may offer general consulting services to clients, typically on a project basis. These services may include, but are not limited to, cash flow planning for education expenses or retirement, debt management, estate planning analysis, income tax planning, insurance reviews, and other matters specific to the client as requested and agreed upon by both the client and Evident Financial. In providing these services, Evident Financial will coordinate with the client's professional advisors, such as accountants and attorneys, to ensure a comprehensive and integrated approach to the client’s financial needs. Written Acknowledgement of Fiduciary Status When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. Our compensation structure may present potential conflicts of interest with our clients' interests. To address this, we are governed by a fiduciary duty that requires us to act in our clients' best interests and prioritize their needs over our own. Under this fiduciary standard, we are obligated to: • • • • • • Adhere to a professional standard of care when providing investment recommendations, offering prudent advice; Always prioritize our clients’ interests above our own, providing loyal and unbiased advice; Avoid making misleading statements regarding any conflicts of interest, fees, and investments; Comply with policies and procedures that ensure our advice is always in the best interest of our clients; Charge only reasonable fees for our services; and Disclose information regarding any conflicts of interest. Item 5 - Fees and Compensation General Fee Information Fees paid to Evident Financial are exclusive of custodial and transaction fees, which are paid directly to the client’s custodian, brokers or other third-party consultants. Additionally, the fees charged by Evident Financial are separate from those imposed by mutual funds, ETFs (exchange traded funds) or other investment pools, which are outlined in each fund’s prospectus or offering materials. Clients are encouraged to review all fees charged by funds, brokers, Evident Financial, and other parties involved to gain a complete understanding of the total costs associated with investment and financial related services. Investment Advisory Services Fees Evident Financial’s standard investment advisory fees are based on the fee schedule outlined below. In most cases, fees are billed quarterly in advance, though there may be exceptions which fees are billed in arrears. Fees are calculated at the beginning of the quarter, based on the account’s market value as of the last trading day of the preceding quarter. For accounts opened after the start of the quarter, fees will be prorated from the date the account is funded for investment. 5  Evident Financial’s fees are automatically deducted from the client’s accounts on a quarterly basis, unless otherwise agreed upon by the client and Evident Financial. The fee schedule is set forth below: Account Value (Tiered) Annual Fee First $250,000 1.25% Next $250,000 0.75% Next $500,000 0.65% Next $1,000,000 0.55% Next $3,000,000 0.35% Over $5,000,000 Negotiable Evident Financial may, at its discretion, make exceptions to its fee schedule or negotiate special fee arrangements in which Evident Financial deems it appropriate under the circumstances. Either Evident Financial or the client may terminate their Investment Management Agreement within 5 business days of signing without penalty, subject to any written notice requirements in the Agreement. In the event of termination, any paid but unearned fees will be refunded to the client based on the number of days that the account was managed, and any fees due to Evident Financial from the client will be invoiced or deducted from the client’s account prior to termination. Financial Planning and Consulting Services Fees Evident Financial may charge an hourly fee ranging from $125 to $250 for financial planning and consulting services. The fee is negotiable, depending on the nature and complexity of each client’s circumstances. The scope of services, associated fees, and the terms of the agreement will be tailored and negotiated on a case- by-case basis with each client. Retirement Plan Service Fee Retirement Plan Services are typically charged the standard investment advisory fee rate, with a minimum annual fee of $2,500. An additional one-time setup fee of $750 applies. Item 6 - Performance-Based Fees and Side-By-Side Management Evident Financial does not charge performance-based fees. Item 7 - Types of Clients Evident Financial primarily serves individuals, trusts, estates, charitable organizations, foundations, retirement plans, and other business entities. Evident Financial typically requires a minimum relationship size of $500,000. However, this minimum may be adjusted or waived at the discretion of Evident Financial. 6  Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss Modern Portfolio Theory Modern Portfolio Theory is based on these principles: • • • • • • Investors are generally risk-averse and require compensation for taking on risk Risk and return are related; higher risk demands higher expected returns Markets are efficient, with equal access to information for all investors Portfolio design is more important than selecting individual securities Long-term investing (preferably 10+ years) is key to success, allowing asset classes' long-term characteristics to emerge Diversification across less correlated asset classes reduces portfolio risk Passive and Active Investment Management Evident Financial may use passive, active, or a blend of both investment styles. Passive investing builds portfolios with distinct asset classes, aiming for a desired risk-return balance. Active investing involves managers who seek to outperform the market or benchmark while managing risk and volatility. Evident Financial focuses on constructing portfolios that align with clients' goals and minimize volatility, rather than trying to beat an arbitrary index. Investment selections are based on factors like fund holdings, liquidity, tax efficiency, with an emphasis on keeping costs low. Strategic Asset Allocation Evident Financial emphasizes diversifying across key asset classes (stocks, bonds, and cash equivalents) and investment strategies (fundamental, quantitative, active, passive) to optimize risk and return. Evident Financial employs both strategic and tactical allocation: • Strategic allocation establishes long-term target weights based on the client’s goals, risk tolerance, • Tactical allocation and time horizon. makes short-term adjustments in response to market conditions and return expectations. Material Risks Involved All investment strategies involve risk and may result in a loss of principal. Key risks include: Investment value may decline due to general market conditions Investment strategies may not perform as expected Smaller companies tend to be more volatile and less liquid : High portfolio turnover can increase costs and tax implications Some securities may be hard to buy or sell, affecting pricing Focusing on securities, specific sectors, or asset classes may increase risk Bond prices fall as interest rates rise, particularly for longer-term bonds • Market Risk: • Strategy Risk: • Small/Medium Cap Risk: • Turnover Risk • Liquidity Risk: • Concentration Risk: • Interest Rate Risk: • Legal/Legislative Risk: • Inflation Risk Changes in laws or regulations could affect investments : Inflation can erode purchasing power, even if investment values remain steady Securities Risks In addition to general investment risks, specific securities carry additional risks: • Stocks • Bonds : Can be volatile, with potential for significant losses, especially in economic downturns : Prices fluctuate with interest rates, credit quality, liquidity, and maturity. Longer-term bonds are more sensitive to interest rate changes 7  • Investment Funds : Clients incur fees from underlying funds, and overall performance can be • Foreign investing: affected by the fund’s investment strategies or losses. Involves risks not typically associated with U.S. investments, and the risks maybe exacerbated further in emerging market countries. These risks may include, among others, adverse fluctuations in foreign currency values, as well as adverse political, social, and economic developments affecting one or more foreign countries. Item 9 - Disciplinary Information Evident Financial has no disciplinary events to report. Item 10 - Other Financial Industry Activities and Affiliations Registration as a Broker/Dealer or Broker/Dealer Representative Evident Financial is not registered and does not have an application pending to register, as a broker dealer and its management persons are not registered as broker/dealer representative. Registration as a Futures Commission merchant, Commodity Pool Operator Evident Financial and its management persons are not registered and do not have application pending to register, as a futures commission merchant, commodity pool operator/advisor. Relationships Material to this Advisory Business and Possible Conflicts of Interest Evident Financial does not maintain any other relationships that present conflicts of interest. Selection of other Advisors Evident Financial does not select or recommend other investment advisers. Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics and Personal Trading Evident Financial has adopted a Code of Ethics (“the Code”), the full text of which is available to you upon request. Evident Financial’s Code has several goals. First, the Code is designed to assist Evident Financial in complying with applicable laws and regulations governing its investment advisory business. Under the Investment Advisors Act of 1940, Evident Financial owes fiduciary duties to its clients. Pursuant to these fiduciary duties, the Code requires persons associated with Evident Financial (managers, officers, and employees) to act with honesty, good faith and fair dealing in working with clients. In addition, the Code prohibits such associated persons from trading or otherwise acting on insider information. Next, the Code sets forth guidelines for professional standards for Evident Financial’s associated persons. Under the Code’s Professional Standards, Evident Financial expects its associated persons to put the interests of its clients first, ahead of personal interests. In this regard, Evident Financial associated persons are not to take inappropriate advantage of their positions in relation to its clients. Third, the Code sets forth policies and procedures to monitor and review the personal trading activities of associated persons. From time to time Evident Financial’s associated persons may invest in the same securities recommended to clients. Under its Code, Evident Financial has adopted procedures designed to reduce or eliminate conflicts of interest that this could potentially cause. The Code’s personal trading policies include procedures for limitations on personal securities transactions of associated persons, as well as reporting and review of such trading. These policies are designed to discourage and prohibit personal trading that would disadvantage clients. The Code also provides for disciplinary action as appropriate for violations. 8  Participation or Interest in Client Transactions As outlined above, Evident Financial has adopted procedures to protect client interests when its associated persons invest in the same securities as those selected for or recommended to clients. In the event of any identified potential trading conflicts of interest, Evident Financial’s goal is to place client interests first. Consistent with the foregoing, Evident Financial maintains policies regarding participation in initial public offerings (IPOs) and private placements to comply with applicable laws and avoid conflicts with client transactions. If an Evident Financial associated person wishes to participate in an IPO or invest in a private placement, a pre-clearance request must be submitted and approved by the Chief Compliance Officer. Finally, if associated persons trade with client accounts (i.e., in a bundled or aggregated trade), and the trade is not filled in its entirety, the associated person’s shares will be removed from the block, and the balance of shares will be allocated among client accounts in accordance with Evident Financial’s written policy. Item 12 - Brokerage Practices Evident Financial will recommend that clients establish brokerage accounts with Charles Schwab & Co., Inc. (Schwab), a broker-dealer registered with the Securities and Exchange Commission and a member of FINRA and SIPC. While clients are required to use Schwab as custodian/broker, the client decides whether to do so and opens its account with Schwab by entering into a brokerage account agreement directly with Schwab. If the client does not wish to place his or her assets with Schwab, then Evident Financial cannot manage the client’s account. Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like Evident Financial. Through Schwab Advisor Services, Schwab provides Evident Financial and clients, with access to its institutional brokerage services - trading, custody, reporting, and related services - many of which are not typically available to individual clients. Some of those services helps Evident Financial manage or administer its clients’ accounts, while others help manage and grow Evident Financial’s business. Schwab’s support services described below are generally available on an unsolicited basis and at no charge to Evident Financial. The availability of Schwab’s products and services is not based on giving particular investment advice, such as buying particular securities for clients. Below is a more detailed description of Schwab’s support services: Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which Evident Financial might not otherwise have access or that would require a significantly higher minimum initial investment by clients. Schwab’s services described in this paragraph generally benefit the client. Schwab also makes available to Evident Financial other products and services that may not directly benefit clients These products and services assist Evident Financial in managing and administering clients’ accounts. They include investment research, both Schwab’s own and that of third parties. Evident Financial may use this research to service all or some substantial number of clients’ accounts. In addition to investment research, Schwab also makes available software and other technology that (i) provide access to client account data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregated trade orders for multiple client accounts; (iii) provide pricing and other market data; (iv) facilitate payment of Evident Financial’s fees from clients’ accounts; and (v) assist with back-office functions, recordkeeping and reporting. Schwab also offers other services intended to help Evident Financial manage and further develop its business enterprise. These services may include: (i) educational conferences and events; (ii) technology, compliance, legal and business consulting; (iii) publications and conferences on practice management and business succession; and (iv) access to retirement plan providers, consultants, and insurance providers. 9  Schwab may provide some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to Evident Financial. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Schwab may also provide Evident Financial with other benefits such as occasional business entertainment of personnel. The availability of some services provided by Schwab benefits Evident Financial because we do not have to produce or purchase them. We generally don’t have to pay for these services, and they are not contingent upon Evident Financial committing any specific amount of business to Schwab trading commissions or assets in custody. In light of our arrangements with Schwab, Evident Financial may have an incentive to [recommend/require] that clients maintain their accounts with Schwab based on our interest in receiving Schwab’s services that benefit our business rather than based on the client’s interest in receiving the best value in custody services and the most favorable execution of transactions. This is a potential conflict of interest. Evident Financial believes, however, that our selection of Schwab as custodian and broker is in the best interests of clients. It is primarily supported by the scope, quality, and price of Schwab’s services and not Schwab’s services that benefit only Evident Financial. Soft Dollars Schwab may provide us with certain brokerage and research products and services that qualify as “brokerage or research services” under Section 28(e) of the Securities Exchange Act of 1934 (“Exchange Act”). This is commonly referred to as a “soft dollar” arrangement. These research products and/or services will assist us in our investment decision making process. Such research generally will be used to service all of our client accounts, but brokerage charges paid by the client may be used to pay for research that is not used in managing that specific client’s account. Item 13 - Review of Accounts Evident Financial advisors meet with clients and may meet with their designated third parties (e.g., accountants, attorneys) to gather information on financial situations, tax status, investment goals, risk tolerance, and time horizons. This data is collected through interviews, questionnaires, and client profiles. Portfolios are tailored to client objectives, and accounts are monitored regularly to ensure alignment with ongoing needs. Annual meetings, or more frequent reviews triggered by significant events (e.g., market changes, large deposits/withdrawals, client requests, change in tax status), are scheduled to reassess goals. If a client declines a meeting, updates may be obtained via phone, email, or correspondence. Clients are responsible for promptly notifying Evident Financial of any changes that may affect their financial situation or objectives. Item 14 - Client Referrals and Other Compensation Evident Financial does not pay third parties for client referrals. Item 15 – Custody Under government regulations, Evident Financial is deemed to have custody of a client’s assets if the client authorizes Evident Financial to instruct Schwab to deduct our advisory fees directly from the client’s account; however, Schwab maintains actual custody of clients’ assets. Clients receive account statements directly from Schwab at least quarterly. They will be sent to the email or postal mailing address the client provides to Schwab. Clients should carefully review those statements when received. We urge clients to compare Schwab’s account statements to reports received directly from Evident Financial. Item 16 - Investment Discretion In most cases, Evident Financial has the authority to determine, without obtaining specific client consent, the securities to be bought and/or sold in client accounts and the amount of such securities to be bought and/or sold. Evident Financial may provide non-discretionary asset management services. The terms and 10  conditions of any services provided by Evident Financial are dictated by the agreement signed by the client and Evident Financial. Item 17 - Voting Client Securities As a policy and in accordance with Evident Financial’s client agreement, Evident Financial does not vote proxies related to securities held in client accounts. The custodian of the account will normally provide proxy materials directly to the client. Clients may contact Evident Financial with questions relating to proxy procedures and proposals; however, Evident Financial generally does not research particular proxy proposals. Item 18 - Financial Information Evident Financial does not require nor solicit prepayment of more than $500 in fees per client, six months or more in advance, and therefore has no disclosure required for this item. We do not have any financial condition that is reasonably likely to impair our ability to meet contractual commitments to Clients. 11