Financial Freedom for Dentists LLC

F O R M A D V P A R T 2 A D I S C L O S U R E B R O C H U R E Office Address: 34627 SE Swenson Dr. Suite 100 Snoqualmie, WA 98065 Tel: 425-888-1911 Email: nate@freedom4dentists.com Web: FinancialFreedomforDentists.com June 30, 2026 This brochure provides information about the qualifications and business practices of Financial Freedom for Dentists LLC. Being registered as an investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 425-888-1911. The information in this brochure has not been approved or verified by the A D D I T I O N A L I N F O R M A T I O N A B O U T F I N A N C I A L F R E E D O M F O R D E N T I S T S L L C ( C R D United States Securities and Exchange Commission, or by any state securities authority. # 3 0 1 9 8 1 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V  ii Item 2: Material Changes Annual Update Material Changes since the Last Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous release of the Firm Brochure. • Since the last filing on March 11, 2026, the following changes have been made: • Item 4 has been updated to disclose our most recent calculation for client assets under management. Full Brochure Available Fees for financial planning and Retirement Plan Support have been updated in Item 5. This Firm Brochure being delivered is the complete brochure for the Firm.  iii Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes .................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Update.................................................................................................................. ii Item 3: Table of Contents ................................................................................................................... iii Full Brochure Available .................................................................................................................................................. ii Item 4: Advisory Business .................................................................................................................. 1 Firm Description ............................................................................................................................................................... 1 Types of Advisory Services ........................................................................................................................................... 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 5 Wrap Fee Programs ......................................................................................................................................................... 5 Item 5: Fees and Compensation ....................................................................................................... 5 Client Assets under Management .............................................................................................................................. 5 Method of Compensation and Fee Schedule .......................................................................................................... 5 Client Payment of Fees ................................................................................................................................................... 9 Additional Client Fees Charged ................................................................................................................................... 9 Prepayment of Client Fees ............................................................................................................................................ 9 Item 6: Performance-Based Fees and Side-by-Side Management ...................................... 10 External Compensation for the Sale of Securities to Clients ........................................................................... 9 Item 7: Types of Clients ..................................................................................................................... 10 Sharing of Capital Gains .............................................................................................................................................. 10 Description ....................................................................................................................................................................... 10 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .............................. 10 Account Minimums ....................................................................................................................................................... 10 Methods of Analysis ...................................................................................................................................................... 10 Investment Strategy ..................................................................................................................................................... 10 Item 9: Disciplinary Information ................................................................................................... 13 Security Specific Material Risks ............................................................................................................................... 11 Criminal or Civil Actions ............................................................................................................................................. 13  iv Administrative Enforcement Proceedings .......................................................................................................... 13 Item 10: Other Financial Industry Activities and Affiliations ............................................. 13 Self- Regulatory Organization Enforcement Proceedings ............................................................................ 13 Broker-Dealer or Representative Registration ................................................................................................. 13 Futures or Commodity Registration ...................................................................................................................... 13 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................ 13 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ............. 13 Trading ................................................................................................................................................... 13 Code of Ethics Description ......................................................................................................................................... 13 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest. 14 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest 14 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ......................................................................................................... 15 Transactions and Conflicts of Interest .................................................................................................................. 14 Factors Used to Select Custodians for Client Transactions .......................................................................... 15 Item 13: Review of Accounts ........................................................................................................... 16 Aggregating Securities Transactions for Client Accounts ............................................................................. 16 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ............................................................................................................................................................................. 16 Review of Client Accounts on Non-Periodic Basis ........................................................................................... 16 Item 14: Client Referrals and Other Compensation ................................................................ 17 Content of Client Provided Reports and Frequency ........................................................................................ 17 Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest ............................................................................................................................................................................... 17 Item 15: Custody .................................................................................................................................. 17 Advisory Firm Payments for Client Referrals .................................................................................................... 17 Item 16: Investment Discretion ..................................................................................................... 17 Account Statements ...................................................................................................................................................... 17 Item 17: Voting Client Securities ................................................................................................... 17 Discretionary Authority for Trading...................................................................................................................... 17 Item 18: Financial Information ...................................................................................................... 18 Proxy Votes ...................................................................................................................................................................... 17 Balance Sheet .................................................................................................................................................................. 18  v Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 18 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 20 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 18 Principal Executive Officer – Nathan J. Ricks ..................................................................................................... 20 Item 2 - Educational Background and Business Experience ....................................................................... 20 Item 3 - Disciplinary Information ........................................................................................................................... 22 Item 4 - Other Business Activities Engaged In ................................................................................................... 22 Item 5 - Additional Compensation .......................................................................................................................... 22 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 24 Item 6 - Supervision ..................................................................................................................................................... 22 Item 2 - Educational Background and Business Experience ....................................................................... 24 Item 3 - Disciplinary Information ........................................................................................................................... 26 Item 4 - Other Business Activities Engaged In ................................................................................................... 26 Item 5 - Additional Compensation .......................................................................................................................... 26 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 28 Item 6 - Supervision ..................................................................................................................................................... 26 Item 2 - Educational Background and Business Experience ....................................................................... 28 Item 3 - Disciplinary Information ........................................................................................................................... 28 Item 4 - Other Business Activities Engaged In ................................................................................................... 28 Item 5 - Additional Compensation .......................................................................................................................... 28 Item 6 - Supervision ..................................................................................................................................................... 28   1 Item 4: Advisory Business Firm Description Types of Advisory Services Financial Freedom for Dentists LLC (“FFD”) was founded in 2019. Nathan J. Ricks is 100% owner. have authority in its sole discretion ASSET MANAGEMENT FFD offers discretionary asset management services to advisory Clients. FFD will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The Client will authorize FFD discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. FFD shall to: 1. Direct the Custodian to invest and reinvest or sell the Account assets in common and preferred stocks, bonds, debentures, notes, mutual fund shares, exchange traded funds, and options. 2. Direct the Custodian to exercise or abstain from exercising any options, privileges or rights held as part of the account. 3. Render to Client at least quarterly a written statement of the investments of the Account. This statement may come directly from the Custodian. always have the option to purchase investment products that FFD recommends Clients through other brokers or agents that are not affiliated with us. VARIABLE ANNUITY MANAGEMENT FFD offers discretionary direct asset management services to advisory Clients on their variable annuities. FFD will work with individuals to assemble an appropriate portfolio of investment options as provided through the insurance company that services variable annuity investments. The accounts will be monitored on an annual basis. As part of the recommendations provided, Clients who have assets under management over $600,000 held with FFD may have a financial plan completed at no additional charge. This may include but is not limited to a thorough review of all applicable services such as Financial Goal Development, Net Worth Analysis, Cash Flow Analysis, Education Planning, Investment Planning, Tax Planning, Retirement Savings & Income Planning, Risk Management & Insurance Planning and Legacy Planning. If a conflict of interest exists between the interests of FFD and the interests of the Client, the Client is under no obligation to act upon FFD’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through FFD. This service will be provided at no additional cost to the Client.  2 ERISA PLAN SERVICES FFD provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans. FFD ERISA 3(38) Investment Manager. may act as 3(38) advisor: FFD can also act as an ERISA 3(38) Investment Manager in which it has discretionary management and control of a given retirement plan’s assets. FFD would then become solely responsible and liable for the selection, monitoring and replacement of the plan’s investment options. 1. • Fiduciary Services are: • FFD has discretionary authority and will make the final decision regarding the initial selection, retention, removal and addition of investment options in accordance with the Plan’s investment policies and objectives. • Assist the Client with the selection of a broad range of investment options consistent with ERISA Section 404(c) and the regulations thereunder. • Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Provide discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5). 2. • Non-fiduciary Services are: • Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands the FFD’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, the FFD is not providing fiduciary advice as defined by ERISA to the Plan participants. FFD will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan. Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. FFD may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between FFD and Client. 3. FFD has no responsibility to provide services related to the following types of assets • (“Excluded Assets”): • • Employer securities; Real estate (except for real estate funds or publicly traded REITs); Stock brokerage accounts or mutual fund windows;  3 • • • • not Participant loans; Non-publicly traded partnership interests; Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or Other hard-to-value or illiquid securities or property. Excluded Assets will be included in calculation of Fees paid to FFD on the ERISA Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. As an investment adviser registered under the Securities Exchange Commission and other applicable federal and state securities laws, the Adviser has a fiduciary duty, as an investment adviser, to act in the best interest of the Client. While the Adviser may have specific responsibilities under ERISA to disclose its ERISA fiduciary services separately from its non-ERISA fiduciary services, this does not affect the Adviser’s investment adviser fiduciary duty to the Client. Financial Plan Services FINANCIAL PLANNING AND CONSULTING FFD offers both initial (stand-alone) and ongoing financial planning and consulting services. Financial planning services are tailored to each client's individual needs and objectives and may address one or more areas of the client's financial situation. Initial financial planning services may include, but are not limited to, a review and analysis of the following: Service Description Financial Goal Development This helps a client identify and prioritize their financial goals with their spouse or significant other (if applicable). Net Worth Analysis This helps a client understand the current value of their assets and the details of their debt including strategies to pay off that debt. Cash Flow Analysis This helps a client understand their income and expenses both while they are working and retired. This also helps a client balance the need for saving for the future with spending in the present. Education Planning This helps a client develop strategies to pay for family members’ educational expenses. Investment Planning This helps a client develop an appropriate investment strategy for them to reach their financial goals. Tax Planning This helps a client identify strategies related to their investments to reduce their income taxes both while they are working and during retirement.  4 Retirement Savings & Income Planning This helps a client understand how much to save for retirement and appropriate vehicles in which to save. This also helps a client understand appropriate withdrawal strategies when they retire. Risk Management & Insurance Planning This helps a client understand how to minimize their risks and when to obtain insurance in which to minimize those risks. Legacy Planning This helps a client identify strategies to ensure that their estate is distributed according to their wishes. Clients may expect the following when engaging in financial planning and consulting • services: • • • Initial financial planning meetings last three hours or more to help identify and prioritize financial goals and establish a comprehensive financial plan. A written Action Plan which lists financial goals in order of priority along with current status toward reaching goals. Also included will be a list of recommendations provided to help clients to reach their goals. Final 30-60 minute meeting within three months of initial meeting. Clients may call or email with questions regarding their financial plan within 90 days of the financial planning meeting. Financial plans will be completed and delivered inside of ninety (90) days contingent upon timely delivery of all required documentation. If a conflict of interest exists between the interests of FFD and the interests of the Client, the Client is under no obligation to act upon FFD’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction Ongoing Financial Planning Services through FFD. • After a client has completed a stand-alone financial plan, they may choose to hire FFD for ongoing financial planning services. Clients may expect the following when engaging in ongoing financial planning and consulting services: • Two financial planning meetings lasting up to one hour each to review the financial planning strategies and the implementation of those strategies which have been recommended to help the client reach their financial planning goals. • A written Action Plan which lists financial goals in order of priority along with current status toward reaching goals. Also included will be a list of updated recommendations provided to help clients to reach their goals. Clients may call or email with questions regarding their financial plan throughout the year. Ongoing services will continue from year to year unless cancelled by either party. If a conflict of interest exists between the interests of FFD and the interests of the Client, the Client is under no obligation to act upon FFD’s recommendation. If the Client elects to act on  5 any of the recommendations, the Client is under no obligation to effect the transaction through FFD. Client Tailored Services and Client Imposed Restrictions SEMINARS AND WORKSHOPS FFD holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational in nature and no specific investment or tax advice is given. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Wrap Fee Programs Agreements may not be assigned without written Client consent. Client Assets under Management FFD does not sponsor any wrap fee programs. FFD has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $182,154,130 $0 June 5, 2026 Item 5: Fees and Compensation Method of Compensation and Fee Schedule ASSET MANAGEMENT FFD offers discretionary direct asset management services to advisory Clients. FFD charges an annual investment advisory fee based on the invested assets under management as follows: Assets Under Management $0 to 999,999 $1,000,000 to $1,999,999 $2,000,000 to $2,999,999 $3,000,000 to $3,999,999 $4,000,000 to $4,999,999 $5,000,000 to $5,999,999 $6,000,000 to $7,499,999 $7,500,000 to $10,000,000 $10,000,000 and above Annual Fee 1.00% 0.90% 0.80% 0.70% 0.60% 0.50% 0.40% 0.30% 0.25% Quarterly Fee 0.25% 0.225% 0.2% 0.175% 0.15% 0.125% 0.1% 0.075% 0.0625% The annual fee may be negotiable based upon certain criteria such as current employees or immediate family members of FFD. Accounts within the same household or business may be combined for a reduced fee, with the exception of clients who have investments within the Pooled Employer Plan (PEP).  6 Fees are billed quarterly in arrears based on the average daily balance of the account as of the close of business on the last business day of the previous quarter. FFD considers money market funds and certificates of deposit to be part of a fixed income asset class and as such is included in fee calculations. It is possible that the fees will exceed the money market or certificate of deposit yield. The average daily balance method is calculated using the formula: (A ÷ D) X F • A Where: • D = the sum of the daily account balances during the billing period; • F = the number of days in the billing period; and = the applicable quarterly advisory fee rate. For example, during a 91-day quarter, an account maintained a balance of $2,000,000 for 85 days and a balance of $997,999 for six days. The average daily balance would be calculated as follows: �(85 × $2,000,000) + (6 × $997,999)� ÷ 91 = $1,933,934 Assuming an annual advisory fee of 0.90% (0.225% per quarter), the quarterly advisory fee would be: $4,351.35 $1,933,934 × 0.225% = $4,351.35 Accordingly, the advisory fee charged for the quarter would be . Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement with no obligation and without penalty. Clients may terminate advisory services with thirty (30) days written notice. For accounts opened or closed mid-billing period, fees will be prorated based on the days services are provided during the given period. All unpaid earned fees will be due to FFD. Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs. In computing the market value of any investment of the Account, each security listed on any national securities exchange or otherwise subject to current last-sale reporting shall be valued at the last sale price on the valuation date. However, for assets such as alternative investments where a fee is charged and the custodian does not price the security, the asset may be priced by the provider of the asset according to their pricing policy or may also involve independent pricing services for assets that are priced in that manner. Illiquid assets such as alternative investments will not be charged an ongoing management fee. FFD itself, does not price any investment or security for which it charges a management fee or that is included in the portfolio return. VARIABLE ANNUITY MANAGEMENT The fees for these services will be based on the same fee schedule noted above for asset management services. Clients can choose to pay for assets under management fee via the following methods:  7 • • • Check to be remitted by Client to FFD. Directly deducted from Client’s account(s) by the custodian on behalf of FFD. Electronic to be remitted by Client to FFD using Zelle. ERISA PLAN SERVICES The annual fees are based on the market value of the Included Assets. FFD offers the following payment plans: • • Pooled Employer Plan (PEP) Annual fee of 0.9% per year. All other types of plans: The annual fee for services shall be: Assets Under Management $0.00 to 999,999 $1,000,000 to $1,999,999 $2,000,000 to $2,999,999 $3,000,000 to $3,999,999 $4,000,000 to $4,999,999 $5,000,000 to $5,999,999 $6,000,000 to $7,499,999 $7,500,000 to $10,000,000 $10,000,000 and above Annual Fee 1.00% 0.90% 0.80% 0.70% 0.60% 0.50% 0.40% 0.30% 0.25% Fees are billed in arrears based on the average daily balance of the account for the previous quarter (see example above for an explanation of how average daily balance is calculated) as calculated by the custodian or record keeper of the Included Assets (without adjustments for anticipated withdrawals by Plan participants or other anticipated or scheduled transfers or distribution of assets). If the services to be provided start any time other than the first day of a quarter, the fee will be prorated based on the number of days the account was open during the billing period. If this Agreement is terminated prior to the end of the billing cycle, FFD shall be entitled to a prorated fee based on the number of days during the fee period services were provided or Client will be due a prorated refund of fees for days services were not provided in the billing cycle. If additional compensation is received, FFD will disclose this compensation, the services rendered, and the payer of compensation. FFD will offset the compensation against the fees agreed upon under the ERISA Investment Advisor Services Agreement. The fee schedule, which includes compensation of FFD for the services is described in detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees deducted from Plan Assets. FFD does not reasonably expect to receive any additional compensation, directly or indirectly, for its services under this Agreement. If additional compensation is received, FFD will disclose this compensation, the services rendered, and the payer of compensation. FFD will offset the compensation against the fees agreed upon under the Agreement.  8 Retirement Plan Support Clients sponsoring a 401(k) plan will be offered an Initial Staff Retirement Plan Presentation and Ongoing Staff Plan Presentations to educate participants about the plan and retirement planning concepts. Fees for these services are based on plan assets under management ("AUM") and are outlined below: Assets Under Management Initial Fee $0 $1,000 $750 $500 $0 In person staff meetings* n/a $600 $300 $0 Virtual staff meetings n/a $0 $0 $0 $.01 to $299,999.99 $300,000 to $599,999.99 In-person staff meetings are available only to dentists located in Washington, Oregon, and $600,000+ Western Montana. FINANCIAL PLANNING AND CONSULTING FFD offers both initial and ongoing financial planning and consulting services. Fees are based on the client's assets under management ("AUM") and are assessed according to the following schedule: Assets Under Management $0 Ongoing Annual Fee $2,400 $1,800 $1,200 $0 Initial Fee $3,600 $2,400 $0.01 to $299,999.99 $1,800 $300,000 to $599,999.99 $0 $600,000+ FFD reserves the right, in its sole discretion, to reduce or waive any initial or ongoing financial planning fee. Initial financial planning services are generally completed and delivered within ninety (90) days, contingent upon the client's timely delivery of all requested information and documentation. Fees for initial financial planning services are billed 50% in advance, with the remaining 50% due upon delivery of the completed financial plan. Ongoing financial planning services are provided on a continuing basis and remain in effect until terminated by either party. The ongoing annual fee is billed quarterly in arrears. The annual fee is divided into four equal quarterly installments and billed at the end of each calendar quarter based on the annual fee applicable to the client's assets under management. A client may terminate an initial financial planning engagement within five (5) business days of entering into the advisory agreement without penalty. Thereafter, either party may terminate the engagement at any time. If an initial financial planning engagement is terminated before completion, fees will be calculated based on the amount of work performed at FFD's hourly rate of $375. The client will receive all completed work product, and any unearned fees will be refunded. Any earned but unpaid fees will remain due and payable. Ongoing financial planning services may be terminated by either party at any time upon written notice. Because ongoing fees are billed in arrears, clients will be responsible only for  9 Client Payment of Fees fees earned through the effective date of termination. No fees will be charged for services after the termination date • Clients can choose to pay their assets under management fees via the following methods: • Check to be remitted by Client to FFD. • Directly deducted from Client’s account(s) by the custodian on behalf of FFD. The Client must consent in advance to direct debiting of their investment account(s). Electronic to be remitted by Client to FFD using Zelle. • Clients can choose to pay their ERISA fees via the following methods: • Check to be remitted by Client to FFD. • Directly deducted from Plan assets. The Client must consent in advance to direct debiting of their investment account(s). Electronic to be remitted by Client to FFD using Zelle. • Clients can choose to pay their financial planning fees via the following methods: • Check to be remitted by Client to FFD. Electronic to be remitted by Client to FFD using Zelle. Additional Client Fees Charged Fees for ongoing financial planning services are due quarterly in arrears. Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities, and exchange-traded funds. These charges may include mutual fund transaction fees, postage and handling and miscellaneous fees. Prepayment of Client Fees For more details on the brokerage practices, see Item 12 of this brochure. FFD does not require any prepayment of fees of more than $1,200 per Client and six months or more in advance. Fees for 3(38) services may be billed in advance. Fees for financial plans are billed 50% in advance with the balance due upon plan delivery External Compensation for the Sale of Securities to Clients If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to FFD. FFD does not receive any external compensation for the sale of securities to Clients, nor do any of the investment advisor representatives of FFD.  10 Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. FFD does not use a performance-based fee structure because of the conflict of interest. Performance based compensation may create an incentive for FFD to recommend an investment that may carry a higher degree of risk to the Client. Item 7: Types of Clients Description FFD generally provides investment advice to individuals, high net worth individuals, corporations or business entities. Account Minimums Client relationships vary in scope and length of service. FFD does not require a minimum to open an account. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis FFD uses Modern Portfolio Theory to construct investment portfolios for clients. This involves identifying equity asset classes which when combined are expected to decrease the risk level of a portfolio and/or increase the expected return. For example, adding international equity asset classes to a portfolio of US equities may decrease the risk level of the portfolio over the long-term due in additional diversification. In addition, adding value equities to an equity portfolio may increase the expected return of the portfolio over the long-term. Fixed income asset classes are chosen to provide stability to a client's portfolio. Mutual funds and/or exchange traded funds (ETFs) are chosen to represent a particular asset class. In developing a financial plan for a Client, FFD’s analysis may include Financial Goal Development, Net Worth Analysis, Cash Flow Analysis, Education Planning, Investment Planning, Tax Planning, Retirement Savings & Income Planning, Risk Management & Insurance Planning and Legacy Planning. Based on the information gathered, a detailed strategy is tailored to the Client’s specific situation. Investment Strategy The main sources of information include long-term data and research on various asset classes. The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time by providing written notice to FFD. Each Client executes a Client profile form or similar form that documents their objectives and their desired investment strategy. Other strategies may include long-term purchases and short-term purchases.  11 Security Specific Material Risks • Market Risk All investment programs have certain risks that are borne by the investor. Investing in securities involves risk of loss that clients should be prepared to bear. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks and should discuss these risks with FFD: • : The prices of securities held by mutual funds in which Clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by a fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to Interest-rate Risk tolerate potentially sharp declines in market value. • : Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less Inflation Risk attractive, causing their market values to decline. : When any type of inflation is present, a dollar today will buy more than • Currency Risk a dollar next year, because purchasing power is eroding at the rate of inflation. • Reinvestment Risk : Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Liquidity Risk : This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Management Risk: : Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Equity Risk: FFD’s investment approach may fail to produce the intended results. If FFD’s assumptions regarding the performance of a specific asset class or fund are not realized in the expected time frame, the overall performance of the Client’s portfolio may suffer. Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the Client’s overall portfolio. Small- and mid-cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies.  12 • Fixed Income Risk: • The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities held by a fund is likely to decrease. A nominal Investment Companies Risk: interest rate is the sum of a real interest rate and an expected inflation rate. • Long-term purchases When a Client invests in open end mutual funds or ETFs, the Client indirectly bears their proportionate share of any fees and expenses payable directly by those funds. Therefore, the Client will incur higher expenses, 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 or (ii) 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. FFD has no control over the risks taken by the underlying funds in which Client invests. • Short-term purchases : Long-term investments are those vehicles purchased with the intension of being held for more than one year. Typically, the expectation of the investment is to increase in value so that it can eventually be sold for a profit. In addition, there may be an expectation for the investment to provide income. One of the biggest risks associated with long-term investments is volatility, the fluctuations in the financial markets that can cause investments to lose value. : Short-term investments are typically held for one year or less. Generally there is not a high expectation for a return or an increase in value. Typically, short-term investments are purchased for the relatively greater degree of principal protection they are designed to provide. Short-term investment vehicles may be subject to purchasing power risk — the risk that your investment’s return will not keep up with inflation. Additionally, frequent trading can affect investment performance, particularly through increased brokerage and other transaction costs • Trading risk and taxes. : Investing involves risk, including possible loss of principal. There is no • Variable Annuity Risk: assurance that the investment objective of any fund or investment will be achieved. Fee-based variable annuities are long-term investment vehicles that combine market-based investment options with insurance features and involve material risks. Investment performance is tied to the underlying subaccounts and will fluctuate with market conditions, and loss of principal is possible. Although these products do not pay upfront commissions in a fee-based arrangement, they include ongoing costs such as advisory fees, mortality and expense charges, administrative fees, rider costs, and underlying fund expenses, all of which reduce overall returns. Guarantees, including death or living benefits, are subject to the  13 claims-paying ability of the issuing insurance company. Variable annuities may also impose surrender charges or withdrawal limitations for a specified period, and withdrawals are generally taxed as ordinary income and may be subject to additional penalties if taken before age 59½. Optional riders and benefit features can be complex and may not perform as expected in certain market environments. In addition, lower- cost investment alternatives without insurance features may be available. As with all investments, clients should carefully consider their financial objectives, time horizon, liquidity needs, and risk tolerance, as loss of principal is possible. Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings FFD and its management have not been involved in any criminal or civil action. Self- Regulatory Organization Enforcement Proceedings FFD and its management have not been involved in administrative enforcement proceedings. FFD and its management have not been involved in legal or disciplinary events that are material to a Client’s or prospective Client’s evaluation of FFD or the integrity of its management. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Futures or Commodity Registration FFD is not registered as a broker-dealer and no affiliated representatives of FFD are registered representatives of a broker-dealer. Material Relationships Maintained by this Advisory Business and Conflicts of Interest Neither FFD nor its affiliated representatives are registered or have an application pending to register as a futures commission merchant, commodity pool operator, or a commodity trading advisor. Recommendations or Selections of Other Investment Advisors and Conflicts of Interest Managing Member, Nathan J. Ricks does not have any conflicts of interest to report. FFD does not select or recommend other investment advisors. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description include employees and/or The affiliated persons (affiliated persons independent contractors) of FFD have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of FFD affiliated persons and addresses conflicts that may arise. The Code defines acceptable behavior for affiliated persons of FFD. The Code  14 reflects FFD and its supervised persons’ responsibility to act in the best interest of their Client. One area which the Code addresses is when affiliated persons buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our Clients. We do not allow any affiliated persons to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. FFD’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other affiliated person, officer or director of FFD may recommend any transaction in a security or its derivative to advisory Clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. FFD’s Code is based on the guiding principle that the interests of the Client are our top priority. FFD’s officers, directors, advisors, and other affiliated persons have a fiduciary duty to our Clients and must diligently perform that duty to maintain the complete trust and confidence of our Clients. When a conflict arises, it is our obligation to put the Client’s interests over the interests of either affiliated persons or the company. The Code applies to “access” persons. “Access” persons are affiliated persons who have access to non-public information regarding any Clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are involved in making securities recommendations to Clients, or who have access to such recommendations that are non-public. FFD will provide a copy of the Code of Ethics to any Client or prospective Client upon request. Investment Recommendations Involving a Material Financial Interest and Conflict of Interest FFD and its affiliated persons do not recommend to Clients securities in which we have a material financial interest. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest FFD and its affiliated persons may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as trading ahead of Client transactions, affiliated persons are required to disclose all reportable securities transactions as well as provide FFD with copies of their brokerage statements. The Chief Compliance Officer of FFD is Nathan J. Ricks. He reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential Client Securities Recommendations or Trades and Concurrent Advisory Firm treatment over associated persons’ transactions. Securities Transactions and Conflicts of Interest FFD does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, affiliated persons may buy or sell securities at the same time they buy or sell  15 securities for Clients. In order to mitigate conflicts of interest such as front running, affiliated persons are required to disclose all reportable securities transactions as well as provide FFD with copies of their brokerage statements. The Chief Compliance Officer of FFD is Nathan J. Ricks. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential treatment over associated persons’ transactions. Item 12: Brokerage Practices Factors Used to Select Custodians for Client Transactions FFD will recommend the use of a particular broker-dealer based on their duty to seek best execution for the client, meaning they have an obligation to obtain the most favorable terms for a client under the circumstances. The determination of what may constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is affected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker-dealer, the value of an ongoing relationship with such broker and the financial strength and stability of the broker. FFD will select appropriate brokers based on a number of factors including but not limited to their relatively low transaction fees and reporting ability. FFD relies on its broker to provide its execution services at the best prices available. Lower fees for comparable services may be available from other sources. Clients pay for any and all custodial fees in addition to the advisory fee charged by FFD. FFD does not receive any portion of the trading fees. • Directed Brokerage FFD will recommend the use of Charles Schwab. • Best Execution In circumstances where a Client directs FFD to use a certain custodian, FFD still has a fiduciary duty to its Clients. The following may apply with Directed Brokerage: FFD's inability to negotiate commissions, to obtain volume discounts, there may be a disparity in commission charges among Clients and conflicts of interest arising from brokerage firm referrals. The firm may be unable to achieve most favorable execution of client transactions, and this practice may cost clients more money. Investment advisors who manage or supervise Client portfolios have a fiduciary obligation of best execution. The determination of what may constitute best execution and price in the execution of a securities transaction by a custodian involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is effected, the ability to affect the transaction where a large block is involved, the operational facilities of the custodian, the value of an ongoing relationship with such custodian and the financial strength and stability of the custodian. The firm does not receive any portion of the trading fees.  16 • Soft Dollar Arrangements The Securities and Exchange Commission defines soft dollar practices as arrangement under which products or services other than execution services are obtained by FFD from or through a custodian in exchange for directing Client transactions to the custodian. As permitted by Section 28(e) of the Securities Exchange Act of 1934, FFD receives economic benefits as a result of commissions generated from securities transactions by the custodian from the accounts of FFD. These benefits include both proprietary research from the custodian and other research written by third parties. A conflict of interest exists when FFD receives soft dollars. This conflict is mitigated by the fact that FFD has a fiduciary responsibility to act in the best interest of its Clients and the services received are beneficial to all Clients. • Brokerage for Client Referrals FFD utilizes the services of custodians. Economic benefits are received by FFD which would not be received if FFD did not give investment advice to Clients. These benefits may include: A dedicated trading desk, a dedicated service group dedicated to FFD's accounts, ability to conduct "block" Client trades, electronic download of trades, balances and positions, duplicate and batched Client statements, and the ability to have advisory fees directly deducted from Client accounts. FFD does not receive client referrals from any custodian or third party in exchange Aggregating Securities Transactions for Client Accounts for using that broker-dealer or third party. FFD will typically manage each account separately, and therefore, does not aggregate purchases and sales and other transactions. If orders are not aggregated, some clients purchasing securities around the same time may receive a less favorable price than other clients which may cost clients more money. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Account reviews are performed at least annually by one of the Investment Advisor Representatives at FFD. Reviews of Client accounts include, but are not limited to, a review of Client documented risk tolerance, adherence to account objectives, investment time horizon, and suitability criteria. Accounts are reviewed for rebalancing and tax-loss harvesting opportunities at least quarterly. Review of Client Accounts on Non-Periodic Basis Financial Plans may be updated every six months for Clients with over $600,000 invested with us or for Clients who pay an ongoing financial planning fee. Other conditions that may trigger a review of Clients’ accounts are changes in the tax laws, new investment information, and changes in a Client's own situation.  17 Content of Client Provided Reports and Frequency Clients receive monthly account statements from FFD's custodian. Clients have access to trade confirmations of each transaction in their account(s). Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest FFD receives additional economic benefits from external sources as described above in Item 12. Advisory Firm Payments for Client Referrals FFD does not compensate for Client referrals. Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to Clients at their address of record at least quarterly. Clients are urged to compare the account statements received directly from their custodians to any documentation or reports prepared by FFD. FFD is deemed to have constructive custody because advisory fees are directly deducted from Client’s accounts by the custodian on behalf of FFD. Item 16: Investment Discretion Discretionary Authority for Trading FFD requires discretionary authority to manage securities accounts on behalf of Clients. FFD has the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. FFD allows Clients to place certain restrictions, as outlined in the Client’s Investment Policy Statement or similar document. Such restrictions could include only allowing purchases of socially conscious investments, where available. These restrictions must be provided to FFD in writing. The Client approves the custodian to be used and the commission rates paid to the custodian. FFD does not receive any portion of the transaction fees or commissions paid by the Client to the custodian. Item 17: Voting Client Securities Proxy Votes FFD does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent.  18 Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided because FFD does not serve as a custodian for Client funds or securities and FFD does not require prepayment of fees of more than $1,200 per Client and six months or more in advance. Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients Bankruptcy Petitions during the Past Ten Years FFD has no condition that is reasonably likely to impair our ability to meet contractual commitments to our Clients. FFD has not had any bankruptcy petitions in the last ten years.  19 S U P E R V I S E D P E R S O N B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 B ® Nathan J. Ricks, CFP , MS Office Address: 34627 SE Swenson Dr. Suite 100 Snoqualmie, WA 98065 Tel: 425-888-1911 nate@freedom4dentists.com Web: FinancialFreedomforDentists.com June 30, 2026 This brochure supplement provides information about Nathan J. Ricks and supplements the Financial Freedom for Dentists LLC brochure. You should have received a copy of that brochure. Please contact Nathan J. Ricks if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about Nathan J. Ricks (CRD #2630065) is available on the SEC’s website at www.adviserinfo.sec.gov.  20 Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer – Nathan J. Ricks • Item 2 - Educational Background and Business Experience Year of birth: 1970 • Educational Background: • Brigham Young University; Bachelor of Science in Business Management; 1993 College for Financial Planning; Masters of Science Degree in Personal Financial Planning; 2002 • Business Experience: • Financial Freedom for Dentists LLC; Managing Member/Investment Advisor Representative; 07/2019 - Present • Dental Wealth Advisors, LLC; Investment Advisor Representative; 02/2013 – 06/2019 • Mercer Global Advisors Inc.; Investment Advisor Representative; 07/2008 – 02/2013 Mercer Advisors; Investment Advisor Representative; 12/2001 – 06/2008 Professional Certifications Nathan J. Ricks has earned certifications and credentials that are required to be explained in further detail. ® , CFP ® and federally registered CFP (with flame marks”) are professional certification marks granted ™ The CERTIFIED FINANCIAL PLANNER design) marks (collectively, the “CFP in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). ® ® certification is a voluntary certification; no federal or state law or regulation The CFP requires financial planners to hold CFP certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with Clients. ® marks, an individual must satisfactorily fulfill the • To attain the right to use the CFP following requirements: • ® Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination – Pass the comprehensive CFP Certification Examination. The examination includes case studies and Client scenarios designed to test one’s ability  21 • Standards of Professional Conduct • , a set of ® to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s documents outlining the ethical and practice standards for CFP professionals. ® • Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP marks: Standards of Code of Ethics Continuing Education – Complete 30 hours of continuing education hours every two Professional Conduct years, including two hours on the and other parts of the , to maintain competence and keep up with developments in the Standards of Professional Conduct. • Standards ® professionals provide financial professionals must ® ® financial planning field; and Ethics – Renew an agreement to be bound by the ® The prominently require that CFP planning services at a fiduciary standard of care. This means CFP provide financial planning services in the best interests of their Clients. professionals who fail to comply with the above standards and requirements CFP may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP certification. Professional Memberships National Association of Personal Financial Advisors (NAPFA-Registered Financial Advisors) Members of NAPFA who have met all necessary requirements of membership have earned the right to call themselves NAPFA-Registered Financial Advisors. This prestigious title is recognized by those in the field and in the media as identifying those who are professional, ethical financial advisors. NAPFA insists that every NAPFA-Registered Financial Advisor meet the highest competency standards. • Applicant Requirements • Applicant must be a Fee-Only financial advisor and subject to a third party ADV review. • Applicant must have a Bachelor’s degree in any discipline from an accredited institution. ® • certification. Applicant must have a CFP • Applicant must sign the NAPFA Fiduciary Oath. • Once approved for membership, the applicant must earn 60 continuing education credits every two years. Applicant must demonstrate the ability to take a comprehensive approach to financial planning by either submitting a sample comprehensive financial plan or participating in a peer review dialogue with a third party Plan/Peer Reviewer. All submissions will be reviewed using either NAPFA's Plan Review Checklist or Peer Review Checklist.  22 Item 3 - Disciplinary Information None to report. Criminal or Civil Action: Administrative Proceeding: Self-Regulatory Proceeding: Item 4 - Other Business Activities Engaged In None to report. None to report. Item 5 - Additional Compensation Managing Member, Nathan J. Ricks does not have any conflicts of interest to report. Item 6 - Supervision Nathan J. Ricks does not receive any performance-based fees. Nathan J. Ricks is the sole owner of FFD he is solely responsible for all supervision and formulation and monitoring of investment advice offered to Clients. There will be no other supervising entity. He will adhere to the policies and procedures as described in the firm’s Compliance Manual. He can be reached at nate@freedom4dentists.com or 425-888-1911.  23 S U P E R V I S E D P E R S O N B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 B ® ® ® Loyd Burleson III, CFP , CRPC , ABFP , MS Office Address: 34627 SE Swenson Dr. Suite 100 Snoqualmie, WA 98065 Tel: 425-888-1911 loyd@freedom4dentists.com Web: FinancialFreedomforDentists.com June 30, 2026 This brochure supplement provides information about Loyd Burleson and supplements the Financial Freedom for Dentists LLC brochure. You should have received a copy of that brochure. Please contact Loyd Burleson if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about Loyd Burleson (CRD #7210322) is available on the SEC’s website at www.adviserinfo.sec.gov.  24 Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure – Loyd Burleson • Item 2 - Educational Background and Business Experience Year of birth: 1997 • Educational Background: • College for Financial Planning; Master of Science in Personal Financial Planning; 03/2024 Brigham Young University--Idaho; Bachelor of Science in Business Finance; 2020 • Business Experience: o Financial Freedom for Dentists LLC o Investment Advisor Representative; 04/2021 - Present • Client Service Specialist; 06/2020 – 04/2021 • Student; 08/2017 – 07/2020 • Time Out Pizza; Manager; 08/2017 – 06/2020 • Advanced Planning Educational Group, Inc.; Intern; 02/2020 – 04/2020 • BANDER Investments; Intern; 1/2020 – 04/2020 • Costa Vida; General Laborer; 09/2018 – 04/2019 • The Church of Jesus Christ of Latter-Day Saints; Missionary; 07/2015 – 07/2017 • Time Out Pizza; Manager; 10/2011 – 06/2015 Student; 08/2010 – 07/2020 Professional Certifications Loyd Burleson has earned certifications and credentials that are required to be explained in further detail. ® , CFP ® and federally registered CFP (with flame marks”) are professional certification marks granted ™ The CERTIFIED FINANCIAL PLANNER design) marks (collectively, the “CFP in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). ® ® certification is a voluntary certification; no federal or state law or regulation The CFP requires financial planners to hold CFP certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with Clients. ® marks, an individual must satisfactorily fulfill the • To attain the right to use the CFP following requirements: Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services,  25 • and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ® • Examination – Pass the comprehensive CFP Certification Examination. The examination includes case studies and Client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Standards of Professional Conduct • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and , a set of ® Ethics – Agree to be bound by CFP Board’s documents outlining the ethical and practice standards for CFP professionals. ® • Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP marks: Standards of Code of Ethics Continuing Education – Complete 30 hours of continuing education hours every two Professional Conduct years, including two hours on the and other parts of the , to maintain competence and keep up with developments in the Standards of Professional Conduct. • financial planning field; and Standards ® professionals provide financial professionals must Ethics – Renew an agreement to be bound by the ® prominently require that CFP The planning services at a fiduciary standard of care. This means CFP provide financial planning services in the best interests of their Clients. ® professionals who fail to comply with the above standards and requirements may be ® certification. CFP subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP SM ® (CRPC ® ): Chartered Retirement Planning certification • Chartered Retirement Planning Counselor Counselor is a designation granted by the College for Financial Planning. CRPC requirements: • Successfully complete the program. • Pass the final exam. • Comply with the Code of Ethics. ® designation, you must complete 16 hours of • When you achieve your CRPC continuing education. • Reaffirm to abide by the Standards of Professional Conduct. Pay a biennial renewal fee. SM ® (ABFP Accredited Behavioral Finance Professional ): The Accredited Behavioral Finance Processional designation program is a unique program that enhances professionals’  26 • financial planning advice through a thorough understanding of psychological theories of behavior finance. Individuals who are certified must complete the following: Continuing Education- Complete 16 hours every two years. • Pass the final exam with a score of 70% or higher. Professional Memberships National Association of Personal Financial Advisors (NAPFA-Registered Financial Advisors) Members of NAPFA who have met all necessary requirements of membership have earned the right to call themselves NAPFA-Registered Financial Advisors. This prestigious title is recognized by those in the field and in the media as identifying those who are professional, ethical financial advisors. NAPFA insists that every NAPFA-Registered Financial Advisor meet the highest competency standards. • Applicant Requirements • Applicant must be a Fee-Only financial advisor and subject to a third party ADV review. • Applicant must have a Bachelor’s degree in any discipline from an accredited institution. ® • Applicant must have a CFP certification. • Applicant must sign the NAPFA Fiduciary Oath. • Once approved for membership, the applicant must earn 60 continuing education credits every two years. Item 3 - Disciplinary Information Applicant must demonstrate the ability to take a comprehensive approach to financial planning by either submitting a sample comprehensive financial plan or participating in a peer review dialogue with a third party Plan/Peer Reviewer. All submissions will be reviewed using either NAPFA's Plan Review Checklist or Peer Review Checklist. None to report. Criminal or Civil Action: Administrative Proceeding: Self-Regulatory Proceeding: Item 4 - Other Business Activities Engaged In None to report. None to report. Item 5 - Additional Compensation None to report. Item 6 - Supervision None to report. Loyd Burleson is supervised by Nathan J. Ricks, Chief Compliance Officer. Mr. Ricks reviews Loyd Burleson’s work through client account reviews, quarterly personal transaction reports as well as face-to-face and phone interactions. Nathan J. Ricks can be reached by telephone at 425-888-1911 or by email at nate@freedom4dentists.com.  27 S U P E R V I S E D P E R S O N B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 B Christian James Sessions Office Address: 34627 SE Swenson Dr. Suite 100 Snoqualmie, WA 98065 Tel: 425-888-1911 christian@freedom4dentists.com Web: FinancialFreedomforDentists.com June 30, 2026 This brochure supplement provides information about Loyd Burleson and supplements the Financial Freedom for Dentists LLC brochure. You should have received a copy of that brochure. Please contact Christian Sessions if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about Christian Sessions (CRD #7777119) is available on the SEC’s website at www.adviserinfo.sec.gov.  28 Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure – Christian Sessions • Item 2 - Educational Background and Business Experience Year of birth: 1998 • Educational Background: Brigham Young University--Idaho; Bachelor of Science in Business Finance; 2022 • Business Experience: o Financial Freedom for Dentists LLC o • Investment Advisor Representative; 09/2023 - Present Client Service Specialist; 09/2022 – Present • Beehive Federal Credit Union; Consumer Loan Clerk/Recovery Officer; 06/2020 – 12/2022 • Full-Time Student; 01/2019 – 12/2022 • Advanced Fire Protection Inc.; Pipe Fitter; 05/2019 – 12/2019 Northwest Landscaping Services o o • Enhancement Foreman; 04/2019 – 05/2019 Enhancement Foreman; 07/2016 – 10/2016 • ServPro; Demolition Crew; 10/2018 – 12/2018 • Missionary; 10/2016 – 10/2018 • Beez Neez Apiary Supply; General Laborer; 08/2014 – 06/2016 • Full-Time Student; 09/2012 – 06/2016 Item 3 - Disciplinary Information Monroe Vision Clinic; Janitor/File Technician; 07/2008 – 10/2016 None to report. Criminal or Civil Action: Administrative Proceeding: Self-Regulatory Proceeding: Item 4 - Other Business Activities Engaged In None to report. None to report. Item 5 - Additional Compensation None to report. Item 6 - Supervision None to report. Christian Sessions is supervised by Nathan J. Ricks, Chief Compliance Officer. Mr. Ricks reviews Christian Sessions’ work through client account reviews, quarterly personal transaction reports as well as face-to-face and phone interactions. Nathan J. Ricks can be reached by telephone at 425-888-1911 or by email at nate@freedom4dentists.com.