FAIRHAVEN FINANCIAL ADVISORY CORPORATION

Item 1: Cover Page Fairhaven Financial Advisory Corporation 1400 Abbot Road, Suite 330 East Lansing, Michigan 48823 Form ADV Part 2A – Firm Brochure Phone: 517-332-2900 Fax: 517-332-2909 Website: http://www.fairhavenfinancial.com Dated January 15, 2026 This brochure provides information about the qualifications and business practices of Fairhaven Financial Advisory Corporation (Fairhaven Financial). If you have any questions about the contents of this brochure, please contact us at 517-332-2900. 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. Fairhaven Financial registered as an investment adviser with the U.S. Securities and Exchange Commission. Registration of an investment adviser does not imply any level of skill or training. Additional information about Fairhaven Financial is available on the SEC’s website at www.adviserinfo.sec.gov, which can be found using the firm’s identification number 124266. 1  Since the last annual filing of this Form ADV Part 2A, dated January 31, 2025, the following material changes have occurred: Item 2: Material Changes • Item 4 – Effective January 1, 2026, Fairhaven Financial is now owned by Jonathan R. Brooks, President and Joshua S. Roberds, Vice President. Please note, this section only discusses changes we deem material. 2  Item 3: Table of Contents Contents 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 ......................................................................................................................... 7 Item 6: Performance-Based Fees and Side-By-Side Management ..................................................................... 9 Item 7: Types of Clients ..................................................................................................................................... 10 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ............................................................. 10 Item 9: Disciplinary Information ....................................................................................................................... 12 Item 10: Other Financial Industry Activities and Affiliations ............................................................................ 13 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ..................... 14 Item 12: Brokerage Practices ............................................................................................................................ 15 Item 13: Review of Accounts ............................................................................................................................ 18 Item 14: Client Referrals and Other Compensation ......................................................................................... 19 Item 15: Custody ............................................................................................................................................... 19 Item 16: Investment Discretion ........................................................................................................................ 20 Item 17: Voting Client Securities ...................................................................................................................... 20 Item 18: Financial Information ......................................................................................................................... 21 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 22 3  Description of Advisory Firm Item 4: Advisory Business Fairhaven Financial Advisory Corporation (“Fairhaven Financial”) is a Michigan corporation that is registered as an investment adviser with the U.S. Securities and Exchange Commission. Joseph R Brooks (CRD Number 712568) is Founder of Fairhaven Financial. Jonathan R. Brooks (CRD Number 6696538) is President and 50% owner of Fairhaven Financial. Joshua S. Roberds (CRD Number 6792838) is Vice President and 50% owner of Fairhaven Financial. Rachel C. Anderson (CRD No. 5427633) is an investment adviser representative and Chief Compliance Officer of Fairhaven Financial. Fairhaven Financial is not publicly owned or traded. There are no indirect owners of the firm or intermediaries who have any ownership interest in the firm. The firm manages clients’ portfolios on a periodic basis, offering both discretionary and non-discretionary services. As of December 31, 2025, Fairhaven Financial manages $358,066,079 on a discretionary basis and $19,573,595 on a non-discretionary basis. Joseph R. Brooks, ChFC®, founded Fairhaven Financial in 1996 and served as President from 1996 to 2025. He continues to be an investment adviser representative of Fairhaven Financial. Jonathan R. Brooks has worked at Fairhaven Financial since 2016. He passed the exam required to become an investment adviser representative in February 2018. Jonathan became a Managing Partner in 2026. Joshua S. Roberds has worked at Fairhaven since 2017. He passed the exam required to become an investment adviser representative in January 2019. Joshua became a Managing Partner in 2026. Rachel C. Anderson has worked at Fairhaven Financial since 1997. She has been the Chief Compliance Officer since 2011 and passed the exam required to become an investment adviser representative in October 2016. Fairhaven Financial is an independent registered investment adviser and comprehensive service provider, specializing in IRAs and qualified retirement plans for retirees and those nearing retirement. Through a systematic financial review process, Fairhaven Financial helps investors avoid costly gaps and oversights in investments, taxes, estate planning, insurance, Social Security and IRA distributions. With the philosophy “better data leads to better decisions,” the team has a unique capability to collect, store and compile investment data to assist clients in making the most informed investment decisions possible. With more than 30 years of experience advising on retirement assets for both individual and corporate accounts, Jonathan R. Brooks, Joshua S. Roberds and Joseph R. Brooks, and their staff, bring extensive knowledge of distributions, rollovers and critical tax and legal considerations to clients. Fairhaven Financial is dedicated to transparency, independent advice and integrity. Types of Advisory Services Gold Medal Services At Fairhaven Financial, we constantly aspire to exceed expectations for client service and quality retirement, estate and financial planning. As such, we offer our clients Gold Medal Services to help realize their goals for retirement and beyond. These Gold Medal services can include, but are not limited, to investment advisory investment tax basis reporting, retirement distribution planning, client services and services, communications, estate planning & trustee/executor services, social security, retirement plan services, 4  general consultation and financial planning services. To this aim, Fairhaven Financial provides Gold Medal Services, Limited Investment Advisory Services, Retirement Plan Services, General Consultation Services and Financial Planning Services, which are described below. Investment Advisory Services are offered on both a discretionary and a non-discretionary basis and involve the creation of an investment portfolio based on the client’s specific needs and situation; portfolio assets will be monitored and reviewed during the client’s investment review. We have investment strategies that are based on account size and risk tolerance. These strategies are conservative, moderately conservative, moderate, moderately aggressive, and aggressive. Clients receiving this service are encouraged to stay in contact with Fairhaven Financial. Fairhaven Financial offers quarterly or semiannual investment reviews to Clients. However, it is up to the Client to contact Fairhaven Financial to arrange for an investment review if it has not occurred at least semiannually. Clients should contact Fairhaven Financial promptly if there has been any change in their current financial status to determine if there needs to be a change in investment objectives or risk tolerance. Clients may call the office at any time during normal business hours to request an investment review as needed or to discuss directly with Joseph R. Brooks, Jonathan R. Brooks, Joshua Roberds or Rachel C. Anderson issues regarding their account, financial situation or investment needs. Clients receive standard account statements from their custodian on either a monthly or quarterly basis, or as transactions occur. Additionally, Fairhaven Financial will provide on a quarterly basis a report of the assets and securities held in the Client’s account along with the market value. Fairhaven Financial may utilize no-load mutual funds, ETF’s, cash, stocks, bonds and load mutual funds purchased at net asset value (NAV) in a Client portfolio. Limited Investment Advisory Services Fairhaven Financial also offers a limited investment advisory service for clients that do not have a need for our Gold Medal Services. This service is offered on both a discretionary and non-discretionary basis. This service involves the creation of an investment portfolio based on the client’s specific needs and situation. Clients should contact Fairhaven Financial promptly if there has been any change in their current financial status information to determine if there needs to be a change in investment objectives or risk tolerance. Clients receive standard account statements from their custodian on either a monthly or quarterly basis, or as transactions occur. Fairhaven Financial may utilize no-load mutual funds, ETF’s, cash, stocks, bonds and load mutual funds purchased at net asset value (NAV) in a Client portfolio. Retirement Plan Services Investment Advisory Service - Fairhaven Financial also offers investment advisory services for certain qualified retirement plans. This covers the services described in “Investment Advisory Services” above, as well as the recommendation of a Third Party Administrator for the plan client, but does not include the services offered under Gold Medal Services. Employer Sponsored Plan Advisor Services (“ESPAS”)- We offer non-discretionary consulting to 401(k) plans and their trustees with respect to such matters as: 5  (1) Enrollment of employees into the plan; (2) Recommendation of 3(38) ERISA fiduciary for management of plan assets; (3) Recommendation of third party administrator for the plan; (4) Offer to meet with participants on an annual basis to address questions regarding their plan, not to provide investment advisory services. All plans to which we provide ESPAS are regulated under the Employee Retirement Income Securities Act ("ERISA"). The plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. General Consultation and Financial Planning Services Fairhaven Financial offers General Consultation and Financial Planning Services on an hourly or flat fee basis. Consultations can be general or focused in nature, depending upon the needs of the Client. General Consultation and Financial Planning Services to be provided to the Client will be outlined on the “Financial Services Agreement” signed by the Client. After completion/delivery of the General Consultation and/or Financial Planning Services there is no further obligation for implementation or monitoring. Fairhaven Financial offers Financial Planning Services on issues such as life insurance planning, disability insurance planning, retirement planning, retirement distribution planning, estate planning, asset allocation planning, and other financial services issues on an as needed basis identified by the Client. Financial Planning Services may include preparation of the Client’s Financial Statement reflecting their overall financial situation. The Financial Statement may or may not include one or more of the above referenced services; they may cover only desired components or may be comprehensive in nature, depending upon the specific needs and desires of the Client. As the Financial Statement is established, recommendations may be offered in relation to the Client’s needs. The Financial Planning process may include the following: 1. Initial Client Meeting to review and determine which financial planning services are applicable. 2. Obtain financial data and discuss applicable issues for preparation of the report from the selected financial planning service(s). 3. Analyze financial data and provide written report based upon that information. 4. Deliver the plan and recommendations to Client. 5. Assist in implementation of the plan and recommendations, when requested. 6  Educational Seminars Fairhaven Financial may conduct seminars and/or classes on various financial topics such as risk tolerance, time horizon, financial planning, beneficiary designation issues, IRAs, other qualified retirement plan issues, titling of assets and so forth. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client services and their implementation are dependent upon a client’s current situation (income, tax levels, investment objectives, and risk tolerance). This is used to construct a client specific portfolio that matches restrictions and needs. Wrap Fee Programs We do not participate in wrap fee programs. Our advisory fee is based on the service being performed and market value of the assets under advisement and is calculated as follows: Item 5: Fees and Compensation Account Value Gold Medal Services Maximum Fee Limited Investment Advisory Maximum Fee Retirement Plan Service – Investment Advisory Services Maximum Fee (Pooled Plan) 1.60% 0.50% 1.60% $0 - $100,000 1.60% 0.50% 1.60% $100,001 - $250,000 1.30% 0.50% 1.30% $250,001 – 500,000 1.20% 0.50% 1.20% $500,001 - $600,000 1.00% 0.50% 1.00% $600,001 - $1,000,000 Negotiable Negotiable Negotiable $1,000,001 and Above Employer Sponsored Plan Advisor Services (“ESPAS”) - The type and amount of the fees charged to the client, subject to negotiation, will be based on the market value of the participant’s assets, and is up to 0.75% per year. 7  Billing For Above Advisory Services The fees may be negotiated based on individual circumstances, complexities, and proposed future contributions, at the discretion of Fairhaven Financial. Fees may be higher or lower than the cost of similar services offered through other financial services firms. Fees are payable in advance on a quarterly basis. Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of the funds or any portion of the funds. The initial fee may be prorated if services begin any time after the beginning of a calendar quarter and will be calculated based upon the value of the account at account establishment. Thereafter, the quarterly advisory fee will be calculated based on the value of the account on the last business day of the just completed calendar quarter. A Client’s accounts under management with Fairhaven Financial may or may not be aggregated together for determining the Client’s fee breakpoint. Clients may make additions to the Account or withdrawals from the Account, provided the Account continues to meet minimum account size requirements, as described in Item 7 below. No fee adjustments will be made for partial withdrawals from the account or additional deposits to the account during a calendar quarter or for Account appreciation or depreciation. The advisory fees payable to Fairhaven Financial will be collected directly from their account provided the Client has given Fairhaven Financial written authorization, or may be paid by check or debit/credit card through a third party payment processor. Advisory fees for all subsequent periods will be charged to and collected directly from the Client’s account early in the quarter and will be based on the value of the portfolio as of the last working day of the previous quarter. Clients will be provided with a fee invoice that identifies the advisory fee, the value of the Account and how the fee was calculated. Additionally, Clients will be provided with an account statement from their custodian reflecting the deduction of the advisory fee. Clients may terminate investment advisory services obtained from Fairhaven Financial, without penalty, upon written notice within five (5) business days of entering into the advisory agreement with Fairhaven Financial. Client will be responsible for any fees and charges incurred by Client from third parties as a result of maintaining the Account such as transaction fees for any securities transactions executed and Account maintenance or custodial fees. Thereafter, Client may terminate investment advisory services at any time upon written notice to Fairhaven Financial. Should Client terminate investment advisory services, Client will be issued a pro-rata refund of the advisory fee for the quarter from the date notice of termination is received to the end of the calendar quarter. General Consultation Services Fees Fairhaven Financial offers General Consultation Services on an hourly or flat fee basis. General Consultation Service’s fees will be dependent upon the complexity of services and agreed upon at the time of engagement. Fairhaven Financial’s hourly fee ranges from $100-$250, depending upon the complexity of services required. Fees are negotiable. Fixed project fees may be proposed for larger projects ranging from $100 to $10,000. Fees will be due and payable upon completion of the General Consultation Services. General Consultation Services terminate upon the delivery of services and an invoice will be delivered for the time incurred by Fairhaven Financial. The Client may terminate services within the first five (5) business days of entering into the advisory agreement with Fairhaven Financial without penalty. Thereafter, if the Client terminates the 8  General Consultation Services prior to completion, the Client may be billed for time incurred by Fairhaven Financial prior to termination. Financial Planning Services Fees and Compensation Fees for Financial Planning Services are determined prior to engagement and are based upon the complexity of services rendered. The hourly fee is $100-$250, depending upon the complexity of services. For larger projects, Fairhaven Financial will provide services on a flat fee basis ranging from $100 to $10,000. Fees are negotiable. Fees will be due and payable upon delivery of the financial plan. If the Client’s circumstances or objectives change to the degree that substantial modifications or a new financial plan is required, there may be an additional charge. Financial Planning Services terminate upon delivery of the financial plan. Clients may terminate the Financial Planning Services Agreement within five (5) days of entering into the Agreement without penalty. Thereafter, if the Client terminates the Financial Planning Services prior to completion, the Client may be billed for time incurred by Fairhaven Financial prior to termination. Financial Seminar Fees Fairhaven Financial may conduct seminars and/or teach classes on various financial topics. Fees for seminars and/or classes range from $0-$100 per person. Fees are not negotiable. Fees may be modified for groups based upon the number of attendees and the complexity of the seminar or class content. Seminar or class fees will be due prior to or on the day of the seminar or class as set forth in the seminar or class invitation or announcement. Other Types of Fees and Expenses Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses that may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions, fees, and costs. Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s transactions and determining the reasonableness of their compensation (e.g., commissions). We do not accept compensation for the sale of securities or other investment products including asset-based sales charges or service fees from the sale of mutual funds. We are not compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the client. Item 6: Performance-Based Fees and Side-By- Side Management 9  Clients are individuals, defined benefit pension plans, defined contribution plans, trusts, estates, charitable organizations, corporations and other business entities. Item 7: Types of Clients Minimum Account Sizes Gold Medal Services offered at the discretion of Fairhaven Financial. There is no minimum account size requirement for Investment Advisory Services. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Clients are asked their investment objectives and risk tolerance upon establishment of an account. This information is documented via the New Account Form (“NAF”) at the opening of the account. Based on this information, an asset allocation based portfolio is created for the client. Subject to suitability requirements, we generally advise the long-term purchase of mutual funds to our Clients. Long-term purchases are typically defined as the purchase of securities held for at least a year. When pursuing our long-term purchases strategy, we are assuming the financial markets will go up in the long-term which may not be the case. There is also the risk that the segment of the market that you are invested in or perhaps just your particular investment will go down over time even if the overall financial markets advance. In addition, purchasing investments long-term may create an opportunity cost - “locking- up” assets that may be better utilized in the short-term in other investments. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Material risks associated with our investment strategies are listed below. Manager Risk: the risk that an actively managed mutual fund’s investment adviser will fail to execute the fund’s stated investment strategy. Market Risk: the risk that the stock market will decline, decreasing the value of the securities contained within the mutual funds we recommend to you. Industry Risk: the risk that a group of stocks in a single industry will decline in price due to adverse developments in that industry, decreasing the value of mutual funds that are significantly invested in that industry. Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the mutual fund. 10  Listed above are some of the primary risks associated with the way we recommend investments to you, please do not hesitate to contact us to discuss these risks and others in more detail. Please refer to the mutual fund’s prospectus for specific risks associated with the fund. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic environment could have an adverse effect on the price of all stocks. Corporate Bonds are debt securities to borrow money. Generally, issuers pay investors periodic interest and repay the amount borrowed either periodically during the life of the security and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero coupon bonds, which do not pay current interest, but rather are priced at a discount from their face values and their values accrete over time to face value at maturity. The market prices of debt securities fluctuate depending on such factors as interest rates, credit quality, and maturity. In general, market prices of debt securities decline when interest rates rise and increase when interest rates fall. The longer the time to a bond’s maturity, the greater its interest rate risk. Municipal Bonds are debt obligations generally issued to obtain funds for various public purposes, including the construction of public facilities. Municipal bonds pay a lower rate of return than most other types of bonds. However, because of a municipal bond’s tax-favored status, investors should compare the relative after-tax return to the after-tax return of other bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment risk, inflation risk, market risk, call or redemption risk, credit risk, and liquidity and valuation risk. Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. The Adviser has no control over the risks taken by the underlying funds in which clients invest. 11  Persons working with Fairhaven Financial Advisory Corporation have NOT been involved in any of the events listed below. Item 9: Disciplinary Information a) A criminal or civil action in a domestic, foreign or military court of competent jurisdiction, involving any of the following: ii. i. was convicted of, or pled guilty or nolo contendere (“no contest”) to (a) any felony; a misdemeanor that involved investments or an investment-related business, fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, or extortion; or (c) a conspiracy to commit any of these offenses; is the named subject of a pending criminal proceeding that involves an investment-related business, fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses; iii. was found to have been involved in a violation of an investment-related statute or regulation; or iv. was the subject of any order, judgment, or decree permanently or temporarily enjoining, or otherwise limiting, your firm or a management person from engaging in any investment- related activity, or from violating any investment-related statute, rule, or order. b) An administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency involving any of the following: i. was found to have caused an investment-related business to lose its authorization to do business; or ii. was found to have been involved in a violation of an investment-related statute or regulation and was the subject of an order by the agency or authority i. denying, suspending, or revoking the authorization of your firm or a management person to act in an investment-related business; ii. barring or suspending your firm’s or a management person's association with an investment related business; iii. otherwise significantly limiting your firm’s or a management person's investment- related activities; or iv. imposing a civil money penalty of more than $2,500 c) A self-regulatory organization (SRO) proceeding involving any of the following: i. was found to have caused an investment-related business to lose its authorization to do business; or limited from ii. was found to have been involved in a violation of the SRO’s rules and was: (i) barred or suspended from membership or from association with other members or was expelled from membership; (ii) otherwise significantly investment-related activities; or (iii) fined more than $2,500. 12  Item 10: Other Financial Industry Activities and Affiliations Joseph Brooks, Rachel Anderson, and Lara Hernandez are licensed as registered representatives of Innovation Partners, LLC , a FINRA Broker/Dealer. As such, in their separate capacity as registered representatives, they will be able to effect securities transactions for your account, for which they will receive separate and customary compensation. While they endeavor at all times to put the interest of our clients first as part of our firm's fiduciary duty, you should be aware that the receipt of additional compensation itself creates a conflict of interest and may affect their judgment when making recommendations. No Fairhaven Financial employee is registered, or has an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. Fairhaven Financial is a licensed insurance agency in the State of Michigan. Joseph R. Brooks and Jonathan R. Brooks are licensed insurance agents representing numerous insurance companies in the State of Michigan and various other states. Joseph R. Brooks and Jonathan R. Brooks are licensed for life, health, fixed annuities, and immediate annuities. This activity accounts for approximately 5% or less of their time. Should Clients purchase insurance products through Fairhaven Financial, commissions will be earned and paid by insurance companies to Fairhaven Financial. Insurance products are often recommended to help minimize Clients’ exposure in identified risks. Clients are under no obligation to purchase insurance products or utilize the companies recommended by Fairhaven Financial. Clients are advised the commissions received for insurance products purchased by Clients are in addition to any advisory fees Clients may have paid Fairhaven Financial. Therefore, Fairhaven Financial has a conflict of interest in having Clients purchase insurance products through Fairhaven Financial. Please note: Casualty insurance is an important coverage that requires review. However, Fairhaven Financial does not review casualty insurance issues. The Client should review these coverages with a casualty insurance professional of their choice. Recommendations or Selections of Other Investment Advisers Fairhaven Financial does not select other investment advisers for its clients. Fairhaven Financial does recommend other investment advisers as 3(38) fiduciaries to ERISA plan sponsors under their Employer Sponsored Plan Advisor Services, however the plan sponsor enters into a direct agreement with the other investment adviser and Fairhaven Financial does not receive any compensation from the other investment adviser. 13  Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all of our dealings. Code of Ethics Description This code does not attempt to identify all possible conflicts of interest, and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the Code of Ethics' Principles is outlined below. Integrity - Associated persons shall offer and provide professional services with integrity. • • Objectivity - Associated persons shall be objective in providing professional services to clients. • Competence - Associated persons shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which they are engaged. • Fairness - Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services. • Confidentiality - Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law. • Professionalism - Associated persons’ conduct in all matter shall reflect credit of the profession. • Diligence - Associated persons shall act diligently in providing professional services. We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide of copy of its Code of Ethics to any client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates or any related person is authorized to recommend to a client, or effect a transaction for a client, involving any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm and its “related persons” may buy or sell securities similar to, or different from, those we recommend to clients for their accounts. In an effort to reduce or eliminate certain conflicts of interest 14  involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific reportable securities transactions. Any exceptions or trading pre-clearance must be approved by the firm principal in advance of the transaction in an account, and we maintain the required personal securities transaction records per regulation. Trading Securities at/Around the Same Time as Client’s Securities From time to time, our firm or its “related persons” may buy or sell securities for themselves at or around the same time as clients. We will not trade non-mutual fund securities prior to the same security for clients, on the same day. Investment Advice Relating to Retirement Accounts When we provide investment advice to you regarding your 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. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. In addition, and as required by this rule, we provide information regarding the services that we provide to you, and any material conflicts of interest, in this brochure and in your client agreement. Item 12: Brokerage Practices Fairhaven Financial does not maintain custody of your assets on which we advise, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15—Custody, below). Your assets must be maintained in an account at a “qualified custodian,” generally a broker-dealer or bank. We recommend that our clients use Charles Schwab & Co., Inc. (Schwab), a registered broker-dealer, member SIPC, as the qualified custodian. We are independently owned and operated and are not affiliated with Schwab. Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we recommend that you use Schwab as custodian, you will decide whether to do so and will open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you, although we may assist you in doing so. 15  Factors Used to Select Custodians and/or Broker-Dealers We seek to recommend a custodian that will hold your assets and execute transactions on terms that are, overall, most advantageous when compared with other available providers and their services. We consider a wide range of factors, including: • Combination of transaction execution services and asset custody services (generally without a separate fee for custody) • Capability to execute, clear, and settle trades (buy and sell securities for your account) • Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) • Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds, etc.) • Availability of investment research and tools that assist us in making investment decisions • Quality of services • Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices • Reputation, financial strength, and stability • Prior service to us and our other clients • Availability of other products and services that benefit us, as discussed below (see “Products and services available to us from Schwab”) Brokerage and Custody Costs For our clients’ accounts that Schwab maintains, Schwab generally does not charge you separately for custody services but is compensated by charging you commissions, 12b-1 fees (that we do not receive), or other fees on trades that it executes or that settle into your Schwab account. This commitment benefits you because the overall commission rates you pay are lower than they would be otherwise. We have determined that having Schwab execute your trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above (see “Factors Used to Select Custodians and/or Broker-Dealers”). Products and services available to us from Schwab Schwab Advisor Services™ (formerly called Schwab Institutional®) is Schwab’s business serving independent investment advisory firms like us. They provide us and our clients with access to its institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. Following is a more detailed description of Schwab’s support services: Services that benefit you. Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. 16  Services that may not directly benefit you. Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: • Provide access to client account data (such as duplicate trade confirmations and account statements) • Facilitate trade execution and allocate aggregated trade orders for multiple client accounts • Provide pricing and other market data • Facilitate payment of our fees from our clients’ accounts • Assist with back-office functions, recordkeeping, and client reporting Services that generally benefit only us. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: • Educational conferences and events • Consulting on technology, compliance, legal, and business needs • Publications and conferences on practice management and business succession • Access to employee benefits providers, human capital consultants, and insurance providers Schwab may provide some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. 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 us with other benefits, such as occasional business entertainment of our personnel. Our interest in Schwab’s services The availability of these services from Schwab benefits us because we do not have to produce or purchase them. We do not have to pay for Schwab’s services. These services are not contingent upon us committing any specific amount of business to Schwab in trading commissions or assets in custody. We may have an incentive to recommend that you maintain your account with Schwab, based on our interest in receiving Schwab’s services that benefit our business rather than based on your interest in receiving the best value in custody services and the most favorable execution of your transactions. This is a potential conflict of interest. We believe, however, that our selection of Schwab as custodian and broker is in the best interests of our clients. Our selection is primarily supported by the scope, quality, and price of Schwab’s services (see “Factors Used to Select Custodians and/or Broker-Dealers”) and not Schwab’s services that benefit only us. 1. Research and Other Soft-Dollar Benefits We currently do not receive soft dollar benefits. 2. Brokerage for Client Referrals We receive no referrals from a broker-dealer or third party in exchange for using that broker-dealer or third party. 17  3. Clients Directing Which Broker-dealer/Custodian to Use We do recommend a specific custodian for clients to use, however, clients may custody their assets at a custodian of their choice. Clients may also direct us to use a specific broker-dealer to execute transactions. By allowing clients to choose a specific custodian, we may be unable to achieve most favorable execution of client transaction and this may cost clients’ money over using a lower-cost custodian. Aggregating (Block) Trading for Multiple Client Accounts Investment advisers may elect to purchase or sell the same securities for several clients at approximately the same time when they believe such action may prove advantageous to clients. This process is referred to as aggregating orders, batch trading or block trading. We generally do not engage in block trading, however depending on the specific situation or the trade, we may aggregate trades on a limited basis. It should be noted that implementing trades on a block or aggregate basis might be less expensive for client accounts; however, our normal trading policy is to implement all client orders on an individual basis. Considering the types of investments we hold in advisory client accounts and the fact that we provide our investment advisory services on a non-discretionary basis, we do not believe clients are hindered in any way because we trade accounts individually. This is because we develop individualized investment strategies for clients, and holdings will vary. Our strategies are primarily developed for the long-term, and minor differences in price execution are not material to our overall investment strategy. Item 13: Review of Accounts Gold Medal and Retirement Plan Investment Advisory Services involve monitoring and review of portfolio assets upon client request during their investment review meetings. Fairhaven Financial offers quarterly or semiannual investment reviews to Clients. This review may be completed either in person or over the phone. However, it is up to the Client to contact Fairhaven Financial to arrange for an investment review if it has not occurred at least semiannually. The reviewers will be Joseph R. Brooks, Founder of Fairhaven Financial, Jonathan R. Brooks, President, Joshua S. Roberds, Vice President or Rachel C. Anderson, investment adviser representative. Reviews consist of an examination of investment account holdings. Fairhaven Financial does not provide investment supervisory services. Clients under these services are encouraged to stay in contact with Fairhaven Financial. Clients should contact Fairhaven Financial promptly if there has been any change in their current financial status to determine if there needs to be a change in investment objectives or risk tolerance. Clients may call the office at any time during normal business hours to request an investment review as needed or to discuss directly with Joseph R. Brooks, Jonathan R. Brooks, Joshua S. Roberds or Rachel C. Anderson issues regarding the Client’s account, financial situation or investment needs. Clients who retain Fairhaven Financial for Gold Medal and Retirement Plan Investment Advisory Services will receive quarterly reports from Fairhaven Financial of the assets held in the Client's account listing the securities held and their market value. Clients receive account statements from their qualified custodian monthly, quarterly, or as transactions occur. We urge clients to compare our reports against the account statements they receive from their custodian. Quarterly reports are not provided to clients in the Limited Investment Advisory Services. 18  Accounts under Limited Investment Advisory Services are reviewed on a periodic basis; reviews conducted by Joseph R. Brooks, Jonathan R. Brooks or Rachel C. Anderson, will consist of an examination of investment account holdings. Fairhaven Financial does not provide investment supervisory services. Clients should contact Fairhaven Financial promptly if there has been any change in their current financial status to determine if there needs to be a change in investment objectives or risk tolerance. Clients may retain Fairhaven Financial for General Consultation or Financial Planning Services, which terminate upon the delivery of services; no reviews of the account or ongoing services are performed. It would be the Client's responsibility to update his or her financial goals or secure additional services of Fairhaven Financial. Item 14: Client Referrals and Other Compensation We do not receive any economic benefit, directly or indirectly from any third party for advice rendered to our clients. Nor do we directly or indirectly compensate any person who is not advisory personnel for client referrals. We receive an economic benefit from Schwab in the form of the support products and services it makes available to us and other independent investment advisers whose clients maintain their accounts at Schwab. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12—Brokerage Practices). The availability to us of Schwab’s products and services is not based on us giving particular investment advice, such as buying particular securities for our clients. Item 15: Custody Fairhaven Financial does not accept custody of client funds, other than direct fee deduction from client accounts and third-party standing letters of authorization (described below). Clients should receive at least quarterly statements from the broker dealer, bank or other qualified custodian that holds and maintains client's investment assets. We urge you to carefully review such statements and compare such official custodial records to the account statements or reports that we may provide to you. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Standing Letters of Authorization: Fairhaven Financial does maintain a standing letter of authorization (SLOA) where the funds or securities are being sent to a third party, and the following conditions are met: 1. The client provides an instruction to the qualified custodian, in writing, that includes the client’s signature, the third party’s name, and either the third party’s address or the third party’s account number at a custodian to which the transfer should be directed. 19  2. The client authorizes Fairhaven Financial, in writing, either on the qualified custodian’s form or separately, to direct transfers to the third party either on a specified schedule or from time to time. 3. The client’s qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the client’s authorization and provides a transfer of funds notice to the client promptly after each transfer. 4. The client has the ability to terminate or change the instruction to the client’s qualified custodian. 5. Fairhaven Financial has no authority or ability to designate or change the identity of the third party, the address, or any other information about the third party contained in the client’s instruction. 6. The client’s qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction. 7. Fairhaven Financial maintains records showing that the third party is not a related party of Fairhaven Financial or located at the same address as Fairhaven Financial. Item 16: Investment Discretion Fairhaven Financial manages clients’ portfolios on a continuous basis, offering both discretionary and non- discretionary services. Investment discretion is explained to clients in detail when an advisory relationship has commenced. At the start of the advisory relationship, the client will execute a Limited Power of Attorney, which will grant our firm discretion over the account. Additionally, the discretionary relationship will be outlined in the advisory contract and signed by the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. For non-discretionary services, Fairhaven Financial will give advance notice and seek the Client’s consent for any changes to their portfolio. Item 17: Voting Client Securities We do not vote Client proxies. Therefore, Clients maintain exclusive responsibility for: (1) voting proxies, and (2) acting on corporate actions pertaining to the Client’s investment assets. The Client shall instruct the Client’s qualified custodian to forward to the Client copies of all proxies and shareholder communications relating to the Client’s investment assets. If the client would like our opinion on a particular proxy vote, they may contact us at the number listed on the cover of this brochure. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. 20  We do not have custody of client funds or securities or require or solicit prepayment of more than $1,200 in fees per client six months or more in advance. Item 18: Financial Information 21  Fairhaven Financial Advisory Corporation 1400 Abbot Road, Suite 330 East Lansing, Michigan 48823 517-332-2900 Dated January 15, 2026 Form ADV Part 2B – Brochure Supplement For Joseph R. Brooks Founder This brochure supplement provides information about Joseph R. Brooks that supplements the Fairhaven Financial Advisory Corporation (“Fairhaven Financial”) brochure. A copy of that brochure precedes this supplement. Please contact Rachel C. Anderson at the telephone number listed above if the Fairhaven Financial brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Joseph R. Brooks, is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using his identification number, 712568. 22  Item 2: Educational Background and Business Joseph Ray Brooks Born: 1953 Experience Educational Background • 1976 – BA, Michigan State University Business Experience Innovation Partners, LLC, Charlotte, NC, Registered Representative, Broker-dealer, 11/2020 - Present Investment Adviser • • Fairhaven Financial Advisory Corporation, East Lansing, MI, Founder, Representative, 01/2026 – Present • Fairhaven Financial Advisory Corporation, East Lansing, MI, President, Insurance Agency, 01/1999 – Present Investment Adviser • Fairhaven Financial Advisory Corporation, East Lansing, MI, President, Representative, 06/1999 – 12/2025 • MerCap Securities, LLC, Paoli, PA, Registered Representative, Broker-dealer, 03/2019-11/2020 • Royal Alliance Associates, Inc., New York, NY, Registered Representative, Broker-dealer, 01/1997 – 04/2017 • Securities America, Inc., Lavista, NE, Registered Representative, Broker-dealer, 04/2017 – 06/2017 • Arbor Point Advisors, LLC, Lavista, NE, Investment Adviser Representative, Registered Investment Adviser, 04/2017 – 06/2017 • Michigan State University, Alumni Lifelong Education Evening College, E. Lansing, MI, Instructor Adult Evening College, 10/2005 – 10/2005 Professional Designations, Licensing & Exams • Series 1 Securities Exam (1980); • Series 63 Blue Sky Law (1980) • Series 7 General Securities Exam (1986) • Series 24 General Securities Principal Exam (2014) Chartered Financial Consultant (ChFC): 2001 - This designation is issued by The American College and is granted to individuals who have at least three years of full-time business experience within the five years preceding the awarding of the designation. The candidate is required to take seven mandatory courses which include the following disciplines: financial, insurance, retirement and estate planning; income taxation, investments and application of financial planning; as well as two elective courses involving the application of the aforementioned disciplines. Each course has a final proctored exam and once issued, the individual is required to submit 30 hours of continuing education every two years. 23  Joseph R. Brooks has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Item 4: Other Business Activities Joseph R. Brooks is licensed as a registered representative of Innovation Partners, LLC, a FINRA Broker/Dealer. As such, in his separate capacity as a registered representative, he will be able to effect securities transactions for your account, for which he will receive separate and customary compensation. While we endeavor at all times to put the interest of our clients first as part of our firm's fiduciary duty, you should be aware that the receipt of additional compensation itself creates a conflict of interest and may affect our judgment when making recommendations. Item 5: Additional Compensation Insurance products and financial planning services are provided to Clients for personal, estate and business needs. Fairhaven Financial is a licensed insurance agency in the State of Michigan. Joseph R. Brooks is a licensed insurance agent representing numerous insurance companies in the State of Michigan and various other states. Joseph R. Brooks is licensed for life, health, fixed annuities, and immediate annuities. This activity accounts for approximately 5% or less of his time. Should Clients purchase insurance products through Fairhaven Financial; commissions will be earned and paid by insurance companies to Fairhaven Financial. Insurance products are often recommended to help minimize Clients’ exposure in identified risks. Clients are under no obligation to purchase insurance products or utilize the companies recommended by Fairhaven Financial. Clients are advised that the commissions received for insurance products purchased by Clients are in addition to any advisory fees Clients may have paid Fairhaven Financial. Therefore, Fairhaven Financial has a conflict of interest in having Clients purchase insurance products through Fairhaven Financial. Rachel C. Anderson, Chief Compliance Officer of Fairhaven Financial, is responsible for supervision. She may be contacted at (517) 332-2900. Item 6: Supervision 24  Fairhaven Financial Advisory Corporation 1400 Abbot Road, Suite 330 East Lansing, Michigan 48823 517-332-2900 Dated January 15, 2026 Form ADV Part 2B – Brochure Supplement For Rachel C. Anderson Investment Adviser Representative, CCO This brochure supplement provides information about Rachel C. Anderson that supplements the Fairhaven Financial Advisory Corporation (“Fairhaven Financial”) brochure. A copy of that brochure precedes this supplement. Please contact Rachel C. Anderson at the telephone number listed above if the Fairhaven Financial brochure is not included with this supplement or if you have any questions about the contents of this supplement. information about Rachel C. Anderson is available on the SEC’s website at Additional www.adviserinfo.sec.gov which can be found using the identification number 5427633. 25  Item 2: Educational Background and Business Rachel C. Anderson Born: 1963 Experience Educational Background • 1985 – BS, Computer Science, Michigan State University Business Experience • Fairhaven Financial Advisory Corporation, East Lansing, MI, Investment Adviser Representative & CCO, Registered Investment Adviser, 06/2017 – Present Innovation Partners, LLC, Charlotte, NC, Registered Representative, Broker-dealer, 11/2020 - Present • • MerCap Securities, LLC, Paoli, PA, Registered Representative, Broker-dealer, 03/2019-11/2020 • Fairhaven Financial Advisory Corporation, East Lansing, MI, Operations Administrator & CCO, Registered Investment Adviser, 08/2007 – 06/2017 • Fairhaven Financial Advisory Corporation, East Lansing, MI, Data Entry Clerk, Registered Investment Adviser, 08/1997 – 08/2007 • Royal Alliance Associates, Inc., New York, NY, Registered Representative, Broker-dealer, 10/2016 – 04/2017 • Securities America, Inc., Lavista, NE, Registered Representative, Broker-dealer, 04/2017 – 06/2017 • Arbor Point Advisors, LLC, Lavista, NE, Investment Adviser Representative, Registered Investment Adviser, 04/2017 – 06/2017 Professional Designations, Licensing & Exams • Series 7 General Securities Exam (2008); • Series 63 Blue Sky Law (2008) • Series 24 General Securities Principal Exam (2014) • Series 66 Uniform Combined State Law Examination (2016) Rachel Anderson has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Item 4: Other Business Activities Rachel Anderson is licensed as a registered representative of Innovation Partners, LLC, a FINRA Broker/Dealer. As such, in her separate capacity as a registered representative, she will be able to effect securities transactions for your account, for which she will receive separate and customary compensation. While we endeavor at all times to put the interest of our clients first as part of our firm's fiduciary duty, you 26  should be aware that the receipt of additional compensation itself creates a conflict of interest and may affect our judgment when making recommendations. Please see Item 4 above. Item 5: Additional Compensation Rachel C. Anderson, Chief Compliance Officer of Fairhaven Financial, is responsible for supervision. Mr. Jonathan Brooks, as President of Fairhaven Financial, supervises Ms. Rachel C. Anderson. They may be contacted at (517) 332-2900. Item 6: Supervision 27  Fairhaven Financial Advisory Corporation 1400 Abbot Road, Suite 330 East Lansing, Michigan 48823 517-332-2900 Dated January 15, 2026 Form ADV Part 2B – Brochure Supplement For Jonathan R. Brooks President This brochure supplement provides information about Jonathan R. Brooks that supplements the Fairhaven Financial Advisory Corporation (“Fairhaven Financial”) brochure. A copy of that brochure precedes this supplement. Please contact Rachel C. Anderson at the telephone number listed above if the Fairhaven Financial brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Jonathan R. Brooks is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 6696538. 28  Item 2: Educational Background and Business Jonathan R. Brooks Born: 1993 Experience Educational Background • 2015 – BS, Accounting, Taylor University Business Experience • Fairhaven Financial Advisory Corporation, East Lansing, MI, President, 01/2026 – Present • Fairhaven Financial Advisory Corporation, East Lansing, MI, Investment Adviser Representative, 02/2018 – 12/2025 • Fairhaven Financial Advisory Corporation, East Lansing, MI, Operations Administrator, 08/2016 – 02/2018 • Fairhaven Financial Advisory Corporation, East Lansing, MI, Back Office Staff, 03/2016 – 08/2016 • Taylor University, Upland IN, Residential Assistant, 08/2013 – 05/2015 Professional Designations, Licensing & Exams • Uniform Registered Investment Advisor Representative (Series 65): 2018- The Series 65 is a securities license required by most U.S. states for individuals who act as investment advisors. The Series 65 exam, called the Uniform Investment Adviser Law Examination, covers laws, regulations, ethics, and topics such as retirement planning, portfolio management strategies, and fiduciary responsibilities. While there are no prerequisites in order to sit for the Series 65 exam some firms require significant industry experience as well as other industry designations to manage client’s accounts and provide professional investment advice. Jonathan R. Brooks has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Jonathan Brooks is not involved in any outside business. Item 4: Other Business Activities Item 5: Additional Compensation Insurance products and financial planning services are provided to Clients for personal, estate and business needs. Fairhaven Financial is a licensed insurance agency in the State of Michigan. Jonathan R. Brooks is a licensed insurance agent representing numerous insurance companies in the State of Michigan and various other states. Jonathan R. Brooks is licensed for life, health, fixed annuities, and immediate annuities. This 29  activity accounts for approximately 5% or less of his time. Should Clients purchase insurance products through Fairhaven Financial; commissions will be earned and paid by insurance companies to Fairhaven Financial. Insurance products are often recommended to help minimize Clients’ exposure in identified risks. Clients are under no obligation to purchase insurance products or utilize the companies recommended by Fairhaven Financial. Clients are advised that the commissions received for insurance products purchased by Clients are in addition to any advisory fees Clients may have paid Fairhaven Financial. Therefore, Fairhaven Financial has a conflict of interest in having Clients purchase insurance products through Fairhaven Financial. Rachel C. Anderson, Chief Compliance Officer of Fairhaven Financial, is responsible for supervision. She may be contacted at (517) 332-2900. Item 6: Supervision 30  Fairhaven Financial Advisory Corporation 1400 Abbot Road, Suite 330 East Lansing, Michigan 48823 517-332-2900 Dated January 15, 2026 Form ADV Part 2B – Brochure Supplement For Joshua S. Roberds Vice President This brochure supplement provides information about Joshua S. Roberds that supplements the Fairhaven Financial Advisory Corporation (“Fairhaven Financial”) brochure. A copy of that brochure precedes this supplement. Please contact Rachel C. Anderson at the telephone number listed above if the Fairhaven Financial brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Joshua S. Roberds is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 6792838. 31  Item 2: Educational Background and Business Joshua S. Roberds Born: 1992 Experience Educational Background • 2011 – 2012, Ferris State University, Mechanical Engineering • 2012 – 2013, Grand Valley State University, Mechanical Engineering Business Experience • Fairhaven Financial Advisory Corporation, East Lansing, MI, Vice President, 01/2026 – Present • Fairhaven Financial Advisory Corporation, East Lansing, MI, Investment Advisor Representative, 01/2019 – 12/2025 • Fairhaven Financial Advisory Corporation, East Lansing, MI, Operations Administrator, 05/2017 – Present • Securities America, Inc., East Lansing, MI, Operations Administrator, 05/2017 – 06/2017 • Extend Your Reach, Grand Rapids, MI, Floor Tech, 09/2016 – 05/2017 • Munters Corporation, Lansing, MI, Saw Tech, 12/2015 – 09/2016 • Royal Technologies, Hudsonville, MI, Mold Utility, 10/2012 – 12/2015 Professional Designations, Licensing & Exams • Uniform Registered Investment Advisor Representative (Series 65): 2019 - The Series 65 is a securities license required by most U.S. states for individuals who act as investment advisors. The Series 65 exam, called the Uniform Investment Adviser Law Examination, covers laws, regulations, ethics, and topics such as retirement planning, portfolio management strategies, and fiduciary responsibilities. While there are no prerequisites in order to sit for the Series 65 exam some firms require significant industry experience as well as other industry designations to manage client’s accounts and provide professional investment advice. No management person at Fairhaven Financial Advisory Corporation has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Joshua Roberds is not involved in any outside business activities. Item 4: Other Business Activities 32  Joshua Roberds does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Fairhaven Financial. Item 5: Additional Compensation Rachel C. Anderson, Chief Compliance Officer of Fairhaven Financial, is responsible for supervision. She may be contacted at 517-332-2900. Item 6: Supervision 33