FINANCIAL INSIGHTS WEALTH MANAGEMENT

FORM ADV PART 2A Investment Adviser Brochure March 17, 2026 This Brochure provides information about the qualifications and business practices of Financial Insights, Inc. If you have any questions about the contents of this Brochure, please contact Jordan Ford, Chief Compliance Officer at (253) 627-6010 or jordan@financialinsights.com. Additional information about our Firm is also available on the SEC’s website at https://www.adviserinfo.sec.gov/Firm/108797. 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. We are a registered investment adviser. Please note that use of the term “registered investment advisor” and a description of the Firm and/or our employees as “registered” does not imply a certain level of skill or training. For more information on the qualifications of the Firm and our representatives who advise you, we encourage you to review this Brochure and their respective Brochure Supplement(s). 1551 Broadway Suite 600Tacoma, Washington 98402253.627.6010financialinsights.com Form ADV Part 2A • March, 2026 • Page 2 W E A LT H M A N AG E M E N T ITEM 2: MATERIAL CHANGES The Firm is required to discuss any material changes that have been made to Form ADV since the last Annual Amendment, dated March 31, 2025. Material changes relate to Financial Insight’s policies, practices, or conflicts of interests. Since the last Annual Amendment filing, the Firm have made the following material changes: Jordan Ford is now the Chief Compliance Officer of Financial Insights Wealth Management. Please refer to Jordan Ford’s ADV Part 2B, Brochure Supplement for more information about Jordan Ford. We have updated our fee schedule for our Wealth Management Services. Please see Item 5 for more information. Note, this does not affect current clients. Please see your executed Client Agreement for your pertinent fees. Jordan Ford, Chief Compliance Officer at Financial Insights’ Form ADV may be requested at any time, without charge by (253) 627-6010 or contacting jordan@financialinsights.com. We will further provide you with a new Brochure as necessary based on changes or new information, at any time, without charge.  Form ADV Part 2A • March, 2026 • Page 3 W E A LT H M A N AG E M E N T TABLE OF CONTENTS Pg 1 Cover Page ITEM 1: Pg 2 Material Changes ITEM 2: Pg 3 Table of Contents ITEM 3: Pg 4 Advisory Business ITEM 4: Pg 8 Fees and Compensation ITEM 5: Pg 12 Performance-Based Fees and Side-By-Side Management ITEM 6: Pg 12 Types of Clients and Account Requirements ITEM 7: Methods of Analysis, Investment Strategies, and Risk of Loss Pg 13 ITEM 8: Pg 16 Disciplinary Information ITEM 9: Pg 16 Other Financial Industry Activities and Affiliations ITEM 10: Pg 17 ITEM 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Pg 19 Brokerage Practices ITEM 12: Pg 21 Review of Accounts ITEM 13: Client Referrals and Other Compensation Pg 22 ITEM 14: Custody Pg 22 ITEM 15: Investment Discretion Pg 22 ITEM 16: Voting Client Securities Pg 23 ITEM 17: Financial Information ITEM 18: Pg 23  Form ADV Part 2A • March, 2026 • Page 4 W E A LT H M A N AG E M E N T ITEM 4: ADVISORY BUSINESS Financial Insights, Inc. is an SEC-registered investment advisor with its principal place of business located in Tacoma, Washington. Financial Insights began conducting business as a registered investment advisor in 1984. Dorothy A. Lewis is Financial Insights’ founder, Alexandria A. Kemp serves as Chief Executive Officer, and Jordan Ford serves as the Chief Compliance Officer. Financial Insights, Inc. also uses the business name, Financial Insights Wealth Management. As used in this brochure, the words “Financial Insights”, "we", "our firm", “Advisor” and "us" refer to Financial Insights, Inc. and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. DESCRIPTION OF THE TYPES OF ADVISORY SERVICES WE OFFER Financial Insights offers the following advisory services to our clients: Financial Planning and Retirement Planning Services: We offer advice in the form of comprehensive financial and retirement planning. Clients engaging us to provide this service will receive a written report, presenting the client with a detailed financial plan designed to assist clients to achieve their stated financial goals and objectives. In general, the financial and/or retirement plan will address any or all of the following areas of concern: Business: Assist business owner with exit planning, tax strategies and cash flow analysis. Charitable Gifting: Assist client with yearly gifting strategy. Death and Disability: Review of cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. Divorce: Identify short-term and long-term effects of dividing property; analyzing pension and retirement plan issues; evaluating insurance needs and identifying tax issues. Education: Review of education IRAs, financial aid, 529 plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. Estate: Assistance in assessing and developing long-term strategies, including as appropriate, living trusts, wills, tax strategies, powers of attorney, asset protection plans, nursing homes, assisted living environments, elder law, while working closely with the estate planning attorney. Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long- term care, home and auto. Investments: Analysis of investment holdings including employer plans, stock options, and personal investment accounts in relation to stated goals. Client will be given risk areas showing broad recommendations on asset allocation driven by assessed risk tolerance, liquidity needs and timeline. We will not provide buy/sell instructions for assets not managed in house. Personal: Review of current and future financial/life goals, family records, cash flow, and net worth.  Form ADV Part 2A • March, 2026 • Page 5 W E A LT H M A N AG E M E N T ITEM 4: ADVISORY BUSINESS (CONTINUED FROM PG 4) Retirement: Analysis of current strategies and investment plans to help the client determine whether they are likely to achieve his or her retirement goals. Tax Analysis: Review of income tax to include planning for current and future years. Financial Insights will illustrate the impact of various investments on a client's current income tax and future tax liability as we work closely with the client’s tax advisor. insurance agent. Implementation of We gather necessary information through in-depth personal interviews. Information gathered includes a client's current financial status, tax status, future goals, liquidity needs, return objectives and attitudes towards risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, followed by preparation of a written plan. Should a client choose to implement the recommendations contained in the plan, Financial Insights suggests that the client work closely with his/her attorney, accountant, and financial planning recommendations is entirely at the client's discretion. Financial planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and our clients are not bound to follow our suggestions. WEALTH MANAGEMENT SERVICES: We provide Wealth Management Services to clients based on the individual needs of each client. Through personal discussions in which the client’s goals and objectives are established based on the client’s particular circumstances, Financial Insights assesses a client’s risk tolerance to guide the development and management of the client’s portfolio. Financial Insights will manage accounts on a discretionary or non-discretionary basis. Account supervision is guided by the stated objectives of the client, which are the following strategies: Very Conservative, Moderately Conservative, Conservative, Moderate, Moderately Aggressive, Aggressive, and Very Aggressive. Depending on the investment objectives of the client and the terms of the engagement, Financial Insights will create a portfolio. The types of securities used to create the client’s portfolio will generally consist of one or more of the following: individual equities, bonds, CD’s, no-load or load-waived mutual funds or exchange-traded funds (ETFs) and other investment products. Financial Insights will allocate the client’s assets among various investments, taking into consideration the overall management style selected by the client. Mutual funds, individual equities, municipal, and taxable bonds, and ETFs are selected on the basis of any or all of the following criteria: the fund's performance history; the industry sector in which the fund invests; the track record of the fund’s manager; the fund’s investment objectives; the fund’s management style and philosophy; the fund’s management fee structure and/or tax efficiency. Portfolio weighting between funds and market sectors will be determined by each client’s individual needs and circumstances. Financial Insights may also provide advice with regard to certain investment products not maintained at our primary custodian (see Item 12 of this Brochure), such as assets held in employer sponsored retirement plans and qualified tuition plans (529’s), or other similar accounts (“Held Away Accounts”). In these situations, Financial Insights recommends the allocation of client assets within the various options available and clients decide whether to implement our recommendation. Financial Insights caters its advisory services in a manner consistent with the clients’ risk tolerance, timeline, and liquidity needs. Financial Insights consults with clients on an ongoing basis and requests that clients notify the firm if there are changes in their financial situation  Form ADV Part 2A • March, 2026 • Page 6 W E A LT H M A N AG E M E N T ITEM 4: ADVISORY BUSINESS (CONTINUED FROM PG 5) Financial Insights may utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) to manage all or a portion of a client’s investment portfolio. In such instances, the client may be required to authorize and/or enter into an agreement with the Independent Managers that defines the terms in which the Independent Managers will provide investment management and related services. Financial Insights assists in the development of the initial policy recommendations and managing the ongoing client relationship. Financial Insights will perform initial and ongoing oversight and due diligence over the selected Independent Managers to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. We also provide pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review, formulation of the investment policy statement, asset allocation advice, vendor selection advice, portfolio management services, investment performance monitoring/benchmarking services, ongoing consulting, communication, and participant education services/seminars. DONOR ADVISED FUND (DAF) ADVISORY SERVICES Financial Insights may provide advisory services related to donor advised funds (DAFs) as part of a client’s charitable and philanthropic planning. A donor advised fund allows clients to make an irrevocable charitable contribution to a sponsoring charitable organization and recommend grants to qualified charities over time. Financial Insights may assist clients with establishing or maintaining donor advised fund accounts through third-party sponsoring organizations, including Charityvest, Raymond James Charitable, and Schwab Charitable. Depending on the platform and account size, Financial Insights may: Provide philanthropic planning advice Assist with the establishment and funding of the account Recommend investment strategies Manage investments within the account where permitted by the platform Assist with administrating grants or sending out funding to charities The sponsoring charitable organization maintains the donor advised fund, administers grants to charitable organizations, and retains final authority over all grant distributions Where Financial Insights manages the investments within a donor advised fund account, the firm may charge a reduced advisory fee as disclosed in Item 5 of this Brochure. Because Financial Insights may receive advisory fees for managing assets within certain donor advised fund accounts, the firm has a financial incentive to recommend platforms that permit the firm to manage the investments. Clients are not obligated to establish a donor advised fund through any particular sponsoring organization.  Form ADV Part 2A • March, 2026 • Page 7 W E A LT H M A N AG E M E N T ITEM 4: ADVISORY BUSINESS (CONTINUED FROM PG 6) BRIDGE PROGRAM FOR RETIRED FINANCIAL PROFESSIONALS Retired financial professionals and sophisticated investors often reach a point where they either no longer wish to manage their investments or need a seamless transition plan for their families. Our Bridge Program is designed to provide guidance and continuity, ensuring that your financial legacy remains secure and well-managed. Our Bridge Program offers a structured yet flexible approach, including: Four Annual Meetings (in-person or virtual) with unlimited communication and ad-hoc meetings as needed. Discussions may cover: Investment oversight and performance Annual tax planning and preparation Charitable giving and gifting strategies Estate planning in coordination with your attorney Investment Oversight & Support, including performance reporting, research, and trading assistance Operational Assistance to streamline financial management Estate Planning Guidance for Washington State and federal estate tax considerations Seamless Transition to Full Wealth Management when the time is right for your family Relationship Building with Family Members to ensure continuity and preparedness for future financial responsibilities Any assets we oversee will be managed on a non-discretionary basis, meaning, the client is ultimately responsible for researching, buying, and selling, their own securities including rebalancing. Financial Insights will monitor performance and review the accounts prior to each meeting. With prior client consent, we may place transactions for cash needs on your behalf. When the primary client either passes away or chooses to step back from managing investments, the accounts will transition into our full-service wealth management services, which is managed on a discretionary basis as further described above and in Item 16 of this Brochure. EDUCATIONAL SEMINARS / WORKSHOPS We may provide seminars for groups seeking general advice on investments and other areas of personal finance. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any individual’s need, nor does Financial Insights provide individualized investment advice to attendees during these seminars and workshops. TAILORING OF ADVISORY SERVICES We offer individualized investment advice to clients utilizing our Wealth Management Services. Additionally, we offer general investment advice to clients utilizing our Financial and Retirement Planning Services. Our firm does not usually allow clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case-by-case basis.  Form ADV Part 2A • March, 2026 • Page 8 W E A LT H M A N AG E M E N T ITEM 4: ADVISORY BUSINESS (CONTINUED FROM PG 7) PARTICIPATION IN WRAP FEE PROGRAMS We do not participate in wrap fee programs ERISA FIDUCIARY STATEMENT When we provide investment advice to you regarding whether to rollover 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. REGULATORY ASSETS UNDER MANAGEMENT As of December 31, 2025, we manage $746,746,648 in assets under management, $708,479,942 of which are discretionary and $38,266,706 are non-discretionary. ITEM 5: FEES AND COMPENSATION HOW WE ARE COMPENSATED FOR OUR ADVISORY SERVICES FINANCIAL AND RETIREMENT PLANNING Wealth Management clients receive financial and retirement planning consulting services as a component of their ongoing services. For clients who are not Wealth Management clients, we charge an hourly fee based on the type of service and personnel. Our hourly fee is determined as follows: SERVICE FEE In Person or Virtual Meeting Lead Adviser - $500/hour Associate Advisor - $300/hour Research & Analysis $200/hour General Administrative Services $150/hour There is a $500 minimum financial planning fee. The hourly rate may be negotiable depending on the nature and complexity of each client's circumstances and financial planning projects. If appropriate, an estimate for total hours may be determined at the start of the advisory relationship. Financial Insights requires one half of the financial planning fee payable upon execution of the agreement and balance due upon completion. We may charge $200 per account for opening a 529 Account.  Form ADV Part 2A • March, 2026 • Page 9 W E A LT H M A N AG E M E N T ITEM 5: FEES AND COMPENSATION (CONTINUED FROM PG 8) WEALTH MANAGEMENT SERVICES Our annual wealth management fee is based on a percentage of assets under management according to the following fee schedule: TOTAL ASSETS UNDER MANAGEMENT ANNUAL FEE 0 - $1,000,000 1.00% $1,000,001 - $5,000,000 0.75% $10,000,001 - $15,000,000 0.50% Over $10,000,000 0.25% Over $15,000,000 0.15% Clients must maintain a minimum account balance of $500,000 for our Wealth Management Services. This minimum may be reduced or waived at our discretion. The above fee schedule is a blended (graduated) tier, meaning only the portion of assets within each tier is charged at that tier’s rate. For example, the first million will be charged 1.0%, and the next 4 million will be charged 0.75%. Our firm’s annualized fees are billed in advance based on the value of your account on the last day of the previous quarter. Fees may vary based upon the complexity of a client’s situation and the level of service given to each client. In certain circumstances, all fees may be negotiable. A lower fee may be charged for a fixed income and/or cash portfolio. For non-profit organizations, Financial Insights offers a discount rate of 0.50% for Simple IRAs, 403b plans and endowments. As part of this billing process, the client's custodian is advised of the amount of the fee to be deducted from that client's account. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Wealth management fees are calculated based on an annual rate and paid in quarterly increments in advance. The initial quarterly fee is prorated based on the number of days in the calendar quarter after inception of the account, as specified in the terms of the Wealth Management Agreement. To calculate the quarterly fee, the aggregate dollar amount of the client’s account(s) based on the quarter ending values on the last business day of the months of March, June, September and December is multiplied by the Annual Wealth Management Fee (listed above) then divided by four. For purposes of determining fees, accounts that meet the criteria for related accounts may be aggregated to determine if a lower fee will apply. Related accounts are: (i) accounts of an individual, their household members, and trusts; (ii) business under common ownership; or (iii) other accounts at the discretion of the Advisor. No fee will be credited to the client for the current calendar quarter should any withdrawals from the Investment Account occur in the same calendar quarter. Clients may terminate the services of Financial Insights upon 30 days written notification and will be entitled to a prorated refund, based on the number of calendar days remaining in the billing period. Fees will be debited from the account in accordance with the client authorization in the Wealth Management Agreement by the custodian(s). Because mutual funds and ETFs pay advisory fees to their managers and such fees are therefore indirectly charged to all holders of mutual fund shares, clients with mutual funds in their portfolios are effectively paying both our advisory fee and their mutual fund manager for the management of their assets. Certain mutual funds, in which clients may invest, distribute payments to broker-dealers or custodians. Such payments may be distributed pursuant to a 12b-1 distribution plan or other such plan as compensation for administrative services and are distributed from the fund’s total assets. Neither Financial Insights nor any of its officers and employees will receive, nor may they legally receive, any such payments  Form ADV Part 2A • March, 2026 • Page 10 W E A LT H M A N AG E M E N T ITEM 5: WEALTH MANAGEMENT SERVICES (CONTINUED FROM PG 9) Custodians of client’s assets may receive expense reimbursements from some mutual fund companies in an amount equal to the 12b-1 fees. Receipt of this revenue may directly offset some of the custodial and transaction costs that otherwise could have been charged to Financial Insights or the clients. Any such relief from the payment of custodial and transaction charges by Financial Insights will not result in a credit to clients. In certain circumstances, fees, account minimums and payment terms are negotiable depending on the client’s unique situation – such as the size of the aggregate related party portfolio size, family holdings, low cost basis securities, or certain passively advised investments and pre-existing relationships with clients. Certain clients may pay more or less than others depending on the amount of assets, type of portfolio, or the time involved, the degree of responsibility assumed, complexity of the engagement, special skills needed to solve problems, the application of experience and knowledge of the client’s situation. In certain cases, when Independent Managers are used to manage all or a portion of a client’s investment portfolio, the client may pay the Independent Manager directly based on the executed agreement the client has with the Independent Manager or Financial Insights may pay Independent Managers based on the agreement between Financial Insights and the Independent Manager. Any additional fees paid by the client will be agreed upon by all parties and disclosed to the client prior to any fee deduction. On a case-by-case basis, Financial Insights may choose to absorb fees paid to Independent Managers depending on which Independent Manager is selected and/or the strategy utilized. DONOR ADVISED FUND (DAF) ADVISORY SERVICES Financial Insights provides investment advisory services for donor advised fund (DAF) accounts. Our annual fee is based on a percentage of assets under management and follows the applicable custodian's DAF fee schedule. The advisory fee is calculated and deducted by the custodian of the DAF account(s). The custodian will calculate and debit the client's account for Financial Insights's advisory fee. A description of how the advisory fee is calculated including frequency and methodology will be disclosed to the client in separate written disclosure documents, advisory agreements, and/or the account opening documents of your account Custodian. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Clients should be aware that donor advised fund accounts typically involve administrative or program fees charged by the sponsoring organization, as well as underlying investment expenses. These fees are separate from any advisory fees charged by Financial Insights and are described in the program materials provided by the sponsoring organization. Clients may terminate the services of Financial Insights upon 30 days written notification and will be entitled to a prorated refund, based on the number of calendar days remaining in the billing period. Fees will be debited from the account in accordance with the client authorization in the Client Agreement by the custodian(s).  Form ADV Part 2A • March, 2026 • Page 11 W E A LT H M A N AG E M E N T ITEM 5: WEALTH MANAGEMENT SERVICES (CONTINUED FROM PG 10) BRIDGE PROGRAM FOR RETIRED FINANCIAL PROFESSIONALS We charge a flat 0.25% on all assets under management for our Bridge Program. Our firm’s annualized fees are billed in advance based on the value of your account on the last day of the previous quarter. Fees may be negotiable. As part of this billing process, the client's custodian is advised of the amount of the fee to be deducted from that client's account. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Fees are calculated based on an annual rate and paid in quarterly increments in advance. The initial quarterly fee is prorated based on the number of days in the calendar quarter after inception of the account, as specified in the terms of the Agreement. To calculate the quarterly fee, the aggregate dollar amount of the client’s account(s) based on the quarter ending values on the last business day of the months of March, June, September and December is multiplied by the Annual Fee (listed above) then divided by four. Clients may terminate the services of Financial Insights upon 30 days written notification and will be entitled to a prorated refund, based on the number of calendar days remaining in the billing period. EDUCATIONAL SEMINARS / WORKSHOPS Educational seminars and workshops hosted by Financial Insights and their personnel are complementary. TERMINATION AND REFUNDS We charge our advisory fees quarterly in advance. Either party, for any reason upon 30 days written notice, may cancel a client agreement at any time. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. The client has the right to terminate an agreement without penalty within five business days after entering into the agreement. OTHER FEES AND EXPENSES All fees paid to Financial Insights are separate and distinct from the fees and expenses charged by mutual funds and ETFs to their shareholders. In the case of mutual funds, these fees and expenses are described in each fund's prospectus. These fees will generally include a management fee, other fund expenses, and a possible distribution fee. A client could invest in a mutual fund directly, without the services of Financial Insights. In that case, the client would not receive the services provided by Financial Insights, which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the funds and the fees charged by Financial Insights to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided. Financial Insights, in determining the amount of the fee it would charge the client, will factor in the indirect benefit of the custodian’s receipt of this revenue. Such payments are made from the assets of the mutual funds and, therefore, reduce overall fund performance. Financial Insights uses such investments in client's portfolios where it reasonably believes the overall performance of the fund, after accounting for such charges, merits inclusion.  Form ADV Part 2A • March, 2026 • Page 12 W E A LT H M A N AG E M E N T (CONTINUED FROM PG 11) ITEM 5: OTHER FEES AND EXPENSES In addition to Financial Insights’ advisory fees, clients are responsible for the fees and expenses charged or imposed by custodians or imposed by third party service providers, broker-dealers, including, but not limited to, any spreads, transaction charges, commissions, transfer or processing fees and revenue sharing fees regardless of whether Financial Insights or an independent investment manager effects transactions for the client's account(s). Moreover, clients may be responsible for fees imposed by certain third-party portfolio models that Financial Insights may subscribe clients to. Any additional fees will be disclosed to clients prior to implementation of the strategy. MUTUAL FUNDS SHARE CLASS SELECTION Funds generally offer multiple share classes available for investment based upon certain eligibility and/or purchase requirements. For instance, in addition to retail share classes (typically referred to as class A, class B and class C shares), funds may also offer institutional share classes or other share classes that are specifically designed for purchase by investors who meet certain specified eligibility criteria, including, for example, whether an account meets certain minimum dollar amount thresholds or is enrolled in an eligible fee-based wealth management program. Institutional share classes usually have a lower expense ratio than other share classes. The appropriateness of a particular fund share class selection is dependent upon a range of different considerations, including but not limited to: the asset-based advisory fee that is charged, whether transaction charges are applied to the purchase or sale of funds, operational considerations associated with accessing or offering particular share classes (including the presence of selling agreements with the fund sponsors and the Firm’s ability to access particular share classes through the custodian), share class eligibility requirements; and the availability of revenue sharing, distribution fees, shareholder servicing fees or other compensation associated with offering a particular class of shares. ITEM 6: PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT Financial Insights does not charge performance-based fees to any client nor do we engage in side-by- side management. Financial Insights will not be compensated on the basis of a share of capital gains or capital appreciation of any account’s investments other than as such capital gains and appreciation increase the value of the account on which Financial Insights’ fee is calculated each quarter. ITEM 7: TYPES OF CLIENTS AND ACCOUNT REQUIREMENTS Financial Insights provides advisory services to the following types of clients: individuals, including high net worth individuals, employee benefit plans, trusts, estates, charitable organizations, and corporations or other businesses. Our requirements for opening and maintaining accounts or otherwise engaging us: We require a minimum account balance of $500,000 for our Wealth Management Services. Generally, this minimum account balance requirement is negotiable.  Form ADV Part 2A • March, 2026 • Page 13 W E A LT H M A N AG E M E N T ITEM 8: METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS METHODS OF ANALYSIS We use the following methods of analysis in formulating our investment advice and/or managing client assets: Fundamental Analysis. We attempt to measure the intrinsic value of a security by looking at economic and financial factors (including the overall economy, industry conditions, and the financial condition and management of the company itself) to determine if the company is underpriced (indicating it may be a good time to buy) or overpriced (indicating it may be time to sell). Fundamental analysis does not attempt to anticipate market movements. This presents a potential risk, as the price of a security can move up or down along with the overall market regardless of the economic and financial factors considered in evaluating the stock. Mutual Fund and/or ETF Analysis. We look at the experience and track record of the manager of the mutual fund or ETF in an attempt to determine if that manager has demonstrated an ability to invest over a period of time and in different economic conditions. We also look at the underlying assets in a mutual fund or ETF in an attempt to determine if there is significant overlap in the underlying investments held in other funds in the client’s portfolio. In addition, we monitor the funds or ETFs in an attempt to determine if they are continuing to follow their stated investment strategy. A risk of mutual fund and/or ETF analysis is that, as in all securities investments, past performance does not guarantee future results. A manager who has been successful may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in a fund or ETF, managers of different funds held by the client may purchase the same security, increasing the risk to the client if that security were to fall in value. There is also a risk that a manager may deviate from the stated investment mandate or strategy of the fund or ETF, which could make the fund or ETF less suitable for the client’s portfolio. Legacy Holdings. Investment advice may be offered on any investments held by a client at the start of the advisory relationship. In general, depending on tax considerations and client sentiment, these investments may be sold over time and the assets invested in the appropriate Financial Insights investment strategy. As with any investment decision, there is the risk that Financial Insights’ timing with respect to the sale and reinvestment of these assets will be less than ideal or even result in a short term or long-term loss to the client. Independent Manager Analysis. We may refer clients to Independent Managers, where suitable. Our analysis of Independent Managers involves the examination of the experience, expertise, investment philosophies, and past performance of the Independent Managers in an attempt to determine if that Independent Manager has demonstrated an ability to invest over a period of time and in different economic conditions. We monitor the Independent Manager's underlying holdings, strategies, concentrations, and leverage as part of our overall periodic risk assessment. Additionally, as part of our due diligence process, we survey the Independent Manager's compliance and business enterprise risks. A risk of investing with third party Independent Managers who have been successful in the past is that they may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in an Independent Manager's portfolio. There is also a risk that Independent Managers may deviate from the stated investment mandate or strategy of the portfolio, making it a less suitable investment for our clients. Moreover, as we do not control the Independent Manager's daily business and compliance operations, we may be unaware of the lack of internal controls necessary to prevent business, regulatory or reputational deficiencies.  Form ADV Part 2A • March, 2026 • Page 14 W E A LT H M A N AG E M E N T ITEM 8: METHODS OF ANALYSIS (CONTINUED FROM PG 13) Risks for all forms of analysis. Our securities analysis methods rely on the assumption that the funds or companies whose securities we purchase and sell, the rating agencies that review these securities, and other publicly available sources of information about these securities, are providing accurate and unbiased data. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate or misleading information. INVESTMENT STRATEGIES We use the following strategies in managing client accounts, provided that such strategies are appropriate to the needs of the client and consistent with the client's investment objectives, risk tolerance, liquidity needs and time horizons, among other considerations: Asset Allocation. In implementing our clients’ investment strategy, we begin by attempting to identify an appropriate ratio of equities, fixed income, and cash (i.e. “asset allocation”) suitable to the client’s investment goals and risk tolerance. A risk of asset allocation is that the client may not participate in sharp increases in a particular security, industry or market sector. Another risk is that the ratio of equities, fixed income, and cash will change over time due to stock and market movements and, if not corrected, will no longer be appropriate for the client’s goals. We attempt to closely monitor our asset allocation models and make changes periodically to keep in line with the target risk tolerance model. Long-term/Short-term purchases. We purchase securities and generally hold them in the client's account for a year or longer. Short-term purchases may be employed as appropriate when: We believe the securities to be currently undervalued, and/or We want exposure to a particular asset class over time, regardless of the current projection for this class. A risk in a long-term purchase strategy is that by holding the security for this length of time, we may not take advantages of short-term gains that could be profitable to a client. Moreover, if our predictions are incorrect, a security may decline sharply in value before we make the decision to sell. Socially Responsible Investing. We may utilize various socially conscious investment approaches if a client desires. Financial Insights may construct portfolios that utilize mutual funds, ETFs, or individual securities with the purpose of incorporating socially conscious principles into a client’s portfolio. These portfolios may sometimes also be customized to reflect the personal values of each individual, family, or organization. This allows our clients to invest in a way that aligns with their values. Financial Insights may rely on mutual funds and ETFs that incorporate Environmental, Social and Governance (“ESG”) research as well as positive and negative screens related to specific business practices to determine the quality of an investment on values-based merits. Additionally, Financial Insights may construct portfolios of individual securities in order to provide clients with a greater degree of control over the socially conscious strategies they are utilizing. Financial Insights relies on third-party research when constructing portfolios of individual securities with socially conscious considerations. If you request your portfolio to be invested according to socially conscious principles, you should note that returns on investments of this type may be limited and because of this limitation you may not be able to be as well diversified among various asset classes. The number of publicly traded companies that meet socially conscious investment parameters is also limited, and due to this limitation, there is a probability of similarity or overlap of holdings, especially among socially conscious mutual funds or ETFs. Therefore, there could be a more pronounced positive or negative impact on a socially conscious portfolio, which could be more volatile than a fully diversified portfolio  Form ADV Part 2A • March, 2026 • Page 15 W E A LT H M A N AG E M E N T ITEM 8: INVESTMENT STRATEGIES (CONTINUED FROM PG 14) Risks applicable to all strategies. Securities investments are not guaranteed and you may lose money on your investments. We ask that you work with us to help us understand your tolerance for risk. RISK OF LOSS Investing in securities involves risk of loss that clients should be prepared to bear. All investments involve the risk of loss, including (among other things) loss of principal, a reduction in earnings (including interest, dividends and other distributions), and the loss of future earnings. Although we manage assets in a manner consistent with your investment objectives and risk tolerance, there can be no guarantee that our efforts will be successful. You should be prepared to bear the following risk of loss: Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic and social conditions may trigger market events. Inflation Risk: When any type of inflation is present, a dollar next year will not buy as much as a dollar today, because purchasing power is eroding at the rate of inflation. Currency 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. Cybersecurity Risk: Investment advisers, including Financial Insights, must rely in part on digital and network technologies (“cyber networks”) to maintain substantial computerized data about activities for client accounts and otherwise conduct their businesses. Such cyber networks might in some circumstances be subject to a variety of possible cybersecurity incidents or similar events that could potentially result in the inadvertent disclosure of confidential computerized data or client data to unintended parties, or the intentional misappropriation or destruction of data by malicious hackers seeking to compromise sensitive information, corrupt data, or cause operational disruption. Cyberattacks might potentially be carried out by persons using techniques that could range from efforts to electronically circumvent network security or overwhelm websites to intelligence gathering and social engineering functions aimed at obtaining information necessary to gain access. Financial Insights maintains policies and procedures on information technology security, has implemented certain technical and physical safeguards intended to protect the confidentiality of its internal data, and takes other reasonable precautions to limit the potential for cybersecurity incidents and to protect data from inadvertent disclosure or wrongful misappropriation or destruction. Nevertheless, despite reasonable precautions, the risk remains that cybersecurity incidents could potentially occur, and such incidents, in some circumstances, might result in unauthorized access to sensitive information about Financial Insights or its clients. Financial Insights will seek to notify affected clients of any known cybersecurity incident that may pose a substantial risk of exposing confidential personal data about such clients to unintended parties. Reinvestment 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.  Form ADV Part 2A • March, 2026 • Page 16 W E A LT H M A N AG E M E N T ITEM 8: RISK OF LOSS (CONTINUED FROM PG 15) Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. Liquidity 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 (i.e. Non-traded REITs and other alternative investments) are not. Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Pandemic Risk: Large-scale outbreaks of infectious disease can greatly increase morbidity and mortality over a wide geographic area, crossing international boundaries, and causing significant economic, social, and political disruption. In addition, many businesses have encouraged or mandated that their personnel work from home in an effort to help slow the spread of infectious diseases. As a result of working remotely, personnel whether at Financial Insights or at third-party service providers may utilize home networks and share workspace with individuals who are not personnel, that leave businesses more vulnerable to cybersecurity incidents and cyberattacks or other information leakages. Financial Insights has sought to mitigate these risks through firewalls and other technology tools, as well as staff training. Securities Transactions at the Direction of Clients: Irrespective of whether you engage us on a discretionary or non-discretionary basis, you always maintain the concurrent ability to direct transactions within your account held at the Custodian. We are not responsible for the consequences of your self- directed investment decisions or the costs and fees they generate within your account. It is important that you understand the risks associated with investing in the stock market, are appropriately diversified in your investments, and ask us any questions you may have. ITEM 9: DISCIPLINARY INFORMATION We are required to disclose any legal or disciplinary events that are material to a client's or prospective client's evaluation of our advisory business or the integrity of our management. Neither our firm nor our management personnel have any reportable disciplinary events to disclose. ITEM 10: OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Financial Insights does not allow any supervised persons nor does the firm sell or accept compensation for the sale of insurance products. However, certain supervised persons of Financial Insights may be licensed insurance agents. The purpose of an insurance license is for the intent of providing insurance advice in jurisdictions where required and/or acting as a service agent in order to assist in the servicing of insurance policies for our clients.  Form ADV Part 2A • March, 2026 • Page 17 W E A LT H M A N AG E M E N T ITEM 10: OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS (CONT. FROM PG 16) Financial Insights provides tax preparation services to advisory clients of the firm. Fees for tax preparation services are separate and in addition to the advisory fees discussed in Item 5 of this Brochure. Such services are performed by supervised persons of Financial Insights. For Clients whose assets are $500,000 or more under management with our firm, Financial Insights will waive its tax preparation fees. This is a conflict of interest in that Clients may be incentivized to transfer or move assets under our management in order to receive complementary tax preparation services. Clients are not obligated to utilize the tax preparation services of Financial Insights. In addition, similar tax preparation services for comparable prices may be available through other sources. Neither Financial Insights nor supervised persons of our firm have signatory authority over any clients’ accounts either through advisory services the firm offers or through its tax preparation services. Neither Financial Insights or its management persons is registered, or have an application pending to register, as a broker-dealer or a registered representative of a broker-dealer. Financial Insights is not registered and does not have an application pending as a securities broker-dealer, futures commission merchant, commodity pool operator or commodity trading advisor. As referenced in Item 4 of this brochure, Financial Insights recommends clients to Independent Managers to manage their accounts. In the event that we recommend an Independent Manager, we do not share in their advisory fee. Our fee is separate and in addition to their compensation. In addition, you will be provided a copy of the Independent Managers’ Form ADV 2A, Firm Brochure, which also describes the Independent Manager’s fee. You are not obligated, contractually or otherwise, to use the services of any Independent Manager we recommend. Moreover, Financial Insights will only recommend Independent Managers who are properly licensed or registered as an investment adviser. ITEM 11: CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING Our firm has adopted a Code of Ethics, which sets forth high ethical standards of business conduct that we require of our employees, including compliance with applicable federal securities laws. Financial Insights claims compliance with the CFA Institute’s Code of Ethics and Standards of Professional Conduct. This claim has not been verified by the CFA Institute. More information can be provided upon request. Financial Insights also claims compliance with the CFP Board’s Code of Ethics and Standards of Professional Conduct. This claim has not been verified by the CFP Board of Standards. More information can be provided upon request. Financial Insights and our personnel owe a duty of loyalty, fairness, and good faith towards our clients, and have an obligation to adhere not only to the specific provisions of the Code of Ethics but to the general principles that guide the Code. Our Code of Ethics includes policies and procedures for the review of quarterly securities transactions reports as well as initial and annual securities holding reports that must be submitted by the firm’s access persons. Among other things, our Code of Ethics also requires the prior approval of any acquisition of securities in a limited offering (e.g., private placement) or an initial public offering. Our code also provides for oversight, enforcement and recordkeeping provisions.  Form ADV Part 2A • March, 2026 • Page 18 W E A LT H M A N AG E M E N T ITEM 11: CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING (CONTINUED FROM PG 17) Financial Insights’ Code of Ethics further includes the firm's policy prohibiting the use of material non- public information. While we do not believe that we have any particular access to non-public information, all employees are reminded that such information may not be used in a personal or professional capacity. A copy of our Code of Ethics is available to our advisory clients and prospective clients. You may request a copy by email sent to jordan@financialinsights.com, or by calling us at 253-627-6010. Financial Insights and individuals associated with our firm are prohibited from engaging in principal or agency cross transactions. Our Code of Ethics is designed to assure that the personal securities transactions, activities and interests of our employees will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Our firm and/or individuals associated with our firm may buy or sell for their personal account’s securities identical to or different from those recommended to our clients. In addition, any related person(s) may have an interest or position in a certain security which may also be recommended to a client. As these situations present potential conflicts of interest, we have established the following restrictions in order to ensure our fiduciary responsibilities:s No principal or employee of Financial Insights may put his or her own interest above the interest of an advisory client. No director, officer or employee of Financial Insights shall buy or sell securities for their personal portfolio(s) when their decision is substantially derived, in whole or in part, by reason of his or her employment unless the information is also available to the investing public on reasonable inquiry. No person of Financial Insights shall prefer his or her own interest to that of the advisory client. Financial Insights has established procedures for the maintenance of all required books and records. Clients can decline to implement any advice rendered, except in situations where Financial Insights is granted discretionary authority and has not received prior written instructions from the client. Financial Insights maintains a list of all securities holdings for itself, and anyone associated with this advisory practice with access to advisory recommendations. These holdings are reviewed on a regular basis by the investment team. Financial Insights requires delivery and acknowledgement of the Code of Ethics by each supervised person of our firm. Financial Insights has established policies requiring the reporting of Code of Ethics violations to our senior management. Financial Insights emphasizes the unrestricted right of the client to decline to implement any advice rendered. Financial Insights requires that all individuals must act in accordance with all applicable Federal and State regulations governing registered wealth management practices. Any individual not in observance of the above may be subject to disciplinary action up to and including termination.  Form ADV Part 2A • March, 2026 • Page 19 W E A LT H M A N AG E M E N T ITEM 12: BROKERAGE PRACTICES FACTORS USED TO SELECT CUSTODIANS AND/OR BROKER-DEALERS The criteria considered by Financial Insights when making custodian/broker recommendations are the broker's ability to provide professional services, Financial Insights’ experience with the broker, the broker's reputation, the broker's quality of execution services and costs of such services, among other factors. While the term Best Execution typically defines the investment advisor as having a fiduciary duty to execute “securities transactions for clients in such a manner that the clients’ total cost or proceeds in each transaction is the most favorable under the circumstances,” best execution does not always mean the lowest possible price. Although this is considered, Financial Insights has reviewed and considered the full range and quality of the services of the custodian of its client accounts. For clients seeking a recommendation for brokerage or custodial services, Financial Insights may suggest the use of one or more custodians/broker-dealers, which have been evaluated by the firm. Due to its ability to meet the criteria established by Financial Insights, Inc., as set forth above, and depending on client circumstances and needs, we most typically recommend the use of Raymond James & Associates, Inc., member New York Stock Exchange/SIPC (“Raymond James”), Charles Schwab & Co., Inc., a registered broker-dealer, member SIPC (“Schwab”), and/or Altruist Financial LLC, an unaffiliated SEC-registered broker-dealer and FINRA/SIPC member (“Altruist”). Financial Insights is not affiliated with either Raymond James, Schwab or Altruist. For certain Donor Advised Fund(s), we may also recommend Charityvest. Raymond James monitors execution prices that are provided to clients from the trading desk by performing several daily, weekly, and monthly quality of execution reviews. Raymond James is able to perform in-depth execution quality reviews as a result of numerous system enhancements that Raymond James has made in the last several years. As part of Raymond James’ commitment to provide timely, efficient, and superior pricing to client order flow, Raymond James utilizes advanced technology from order handling and execution system vendors. Please note that best execution practices may be different in the event of severe market turbulence, or internal or external system failures. Clients are not under any obligation to direct the use of any recommended broker. Clients are free to select the custodian/broker-dealer of his or her choice, however, Financial Insights reserves the right to decline acceptance of any client account if Financial Insights believes that the directed custodian/broker would hinder Financial Insights’ fiduciary duty to the client and/or its ability to service the account. Not all advisors require clients to direct the use of a particular broker. RESEARCH AND OTHER SOFT DOLLAR BENEFITS RESEARCH AND OTHER SOFT DOLLAR BENEFITS RESEARCH AND OTHER SOFT DOLLAR BENEFITS We do not receive formal soft dollar benefits where we pay for research and brokerage services with commission dollars generated by client accounts. However, we do receive certain economic benefits from broker-dealers we recommend. OTHER ECONOMIC BENEFITS Raymond James provides general access to research and perhaps discounts on research products. Any research received is used for the benefit of all clients. From time to time, Raymond James may offer our employees the ability to attend industry-related conferences or other benefits; however, we do not believe that such incentives impair our independence. We may have the opportunity to receive traditional “non-cash benefits” from Raymond James, such as customized statements; receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk servicing investment advisors exclusively; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to client accounts; …  Form ADV Part 2A • March, 2026 • Page 20 W E A LT H M A N AG E M E N T ITEM 12: OTHER ECONOMIC BENEFITS (CONTINUED FROM PG 19) … ability to have wealth management fees deducted directly from client accounts; access to an electronic communication network for client order entry and account information; access to mutual funds which generally require significantly high minimum initial investments or those that are otherwise only generally available to institutional investors; reporting features; receipt of industry communications; and perhaps discounts on business-related products. Pursuant to advice provided by Financial Insights, we may receive research services from brokers paid for by 12b-1 fees received by the brokers from funds in which client accounts have been invested. This arrangement creates a conflict of interest, which has the potential to influence recommendations made to clients regarding which mutual funds would be most appropriate for the client’s portfolio. Schwab Advisor ServicesTM is Schwab’s business serving independent investment advisory firms like us. They provide our clients and us with access to their institutional brokerage services (trading, custody, reporting and related services), many of which are not typically available to Schwab retail customers. 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. Financial Insights offers investment advisory services through the custodial platform offered by Altruist. Custody, clearing, and execution services are provided by Altruist as a self-clearing broker-dealer. Financial Insights’s clients establish brokerage accounts through Altruist. Financial Insights maintains an institutional relationship with Altruist whereby Altruist provides certain benefits to Financial Insights, including a fully digital account opening process, a variety of available investments, and integration with software tools that can benefit Financial Insights and its clients. BROKERAGE FOR CLIENT REFERRALS We do not receive client referrals from broker-dealers in exchange for using that broker-dealer. TRADE AGGREGATION When block trading, we trade an aggregate block of securities composed of assets from multiple client accounts. Depending on the security traded, failure to aggregate a trade may result in clients paying a different price for the same security on the same or a different trading day. Financial Insights will only be able to block trade for client accounts who direct the use of the same broker. Financial Insights’ block trading policy and procedures are as follows: Financial Insights’ policies for the aggregation of transactions shall be fully disclosed in this Form ADV; Financial Insights will not aggregate transactions unless it believes that aggregation is consistent with our fiduciary duty to our clients and is consistent with the terms of Financial Insights’ Wealth Management agreement with each client for which trades are being aggregated. No advisory client will be favored over any other client; each client that participates in an aggregated order will participate at the average share price for all Financial Insights’ transactions in a given security on a given business day. Depending on the client’s agreement with the custodian/broker, transaction costs will be based on the number of shares traded for each client.  Form ADV Part 2A • March, 2026 • Page 21 W E A LT H M A N AG E M E N T ITEM 12: TRADE AGGREGATION (CONTINUED FROM PG 20) Transactions for each client generally will be affected independently unless Financial Insights decides to purchase or sell the same securities for several clients at approximately the same time. Financial Insights may (but is not obligated to) combine or “batch” such orders to obtain best execution, or to allocate equitably among Financial Insights’ client differences in prices and commissions or other transaction costs that might have been obtained had such orders have been placed independently. In this situation, transactions will generally be averaged as to price and allocated among Financial Insights clients pro rata to the purchase and sale orders placed for each client on any given day. To the extent that Financial Insights determines to aggregate client orders for the purchase or sale of securities, Financial Insights generally does so in accordance with applicable rules and regulations. Financial Insights does not receive any additional compensation or remuneration as a result of the aggregation. In the event that Financial Insights determines that a prorated allocation is not appropriate under the particular circumstances, the allocation will be made upon other relevant factors. Before entering an aggregated order, Financial Insights will prepare a written allocation statement specifying the participating client accounts and how it intends to allocate the order among those clients; If the aggregated order is filled in its entirety, it will be allocated among clients in accordance with the allocation statement; if the order is partially filled, orders for each account will be filled based upon random number generation. Notwithstanding the foregoing, the order may be allocated on a basis different from that specified in the Allocation Statement if all client accounts receive fair and equitable treatment and the reason for different allocation is explained in writing and is approved by Financial Insights’ compliance officer no later than one hour after the opening of the markets on the trading day following the day the order was executed; Financial Insights,’ books and records will separately reflect, for each client account, the orders of which are aggregated, the securities held by, and bought and sold for that account; Funds and securities of clients whose orders are aggregated will be deposited with one or more banks or broker-dealers, and neither the clients' cash nor their securities will be held collectively any longer than is necessary to settle the purchase or sale in question on a delivery versus payment basis; cash or securities held collectively for clients will be delivered out to the custodian bank or broker-dealer as soon as practicable following the settlement; Financial Insights will receive no additional compensation or remuneration of any kind as a result of the proposed aggregation; and Individual advice and treatment will be accorded to each advisory client and no client or account will be favored over another. ITEM 13: REVIEW OF ACCOUNTS the investment advisor Wealth Management Services. Client accounts are reviewed by representative(s) primarily responsible for that account. Clients will receive a Form ADV Part 2B, Brochure Supplement for each investment adviser representative responsible for their account. In addition, accounts are supervised and monitored by Financial Insight’s executive team. REVIEWS: The underlying securities within these accounts are continuously monitored; accounts are reviewed regularly, based on client needs. Accounts are reviewed in the context of each client's stated investment objectives and guidelines. More frequent reviews may be triggered by material changes in variables such as the client's individual circumstances, or the market, political or economic environment.  Form ADV Part 2A • March, 2026 • Page 22 W E A LT H M A N AG E M E N T ITEM 13: REVIEW OF ACCOUNTS (CONTINUED FROM PG 21) REPORTS: In addition to at least monthly and/or quarterly custodial statements, Financial Insights will provide clients with Performance Reporting and Asset Management Reports upon request and during annual reviews. Financial Planning clients will receive a complete, written financial plan. Additional reports will be determined by the client and Financial Insights. ITEM 14: CLIENT REFERRALS AND OTHER COMPENSATION Except as disclosed in Item 12, 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. ITEM 15: CUSTODY Clients may authorize the custodian (via the agreement signed with Financial Insights) to debit fees directly from the client’s account at the broker dealer, bank or other qualified custodian (custodian). Client investment assets will be held with a custodian agreed upon by the client and Financial Insights. The custodian is advised in writing of the limitation of Financial Insights’ access to the account. The custodian sends a statement to the client, at least quarterly, indicating all amounts disbursed from the account including the amount of advisory fees paid directly to Financial Insight. Because the custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of the calculation, among other things. Clients should contact us directly if they believe that there may be an error in their statement. ITEM 16: INVESTMENT DISCRETION We provide our Wealth Management Services on a discretionary and non-discretionary basis. Discretionary authority means that we will place trades in a client's account, as we deem appropriate based on the information previously gathered with or without contacting the client prior to each trade to obtain the client's permission. Under these circumstances, our discretionary authority includes the ability to do the following without contacting the client: Determine the security to buy or sell; and/or Determine the amount of the security to buy or sell. Clients give us discretionary authority when they sign a discretionary investment management agreement with our firm and may reasonably limit this authority by giving us written instructions. Clients may also change/amend such limitations by once again providing us with written instructions. If you enter into non-discretionary arrangements with our firm, we will obtain your approval prior to the execution of any transactions for your account(s). You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis. Clients electing not to grant us discretionary authority over their account may not be aggregated with other clients’ trades due to the time involved in obtaining the client’s approval for each trade.  Form ADV Part 2A • March, 2026 • Page 23 W E A LT H M A N AG E M E N T ITEM 17: VOTING CLIENT SECURITIES As a matter of firm policy, we do not vote proxies on behalf of clients. Therefore, although our firm may provide Wealth Management Services relative to client investment assets, clients maintain exclusive responsibility for: (1) directing the manner in which proxies solicited by issuers of securities beneficially owned by the client shall be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. Clients are responsible for instructing each custodian of the assets, to forward to the client, along with copies of all proxies and shareholder communications relating to the client’s investment assets. We may provide clients with consulting assistance regarding proxy issues if they contact us with questions. ITEM 18: FINANCIAL INFORMATION Financial Insights has no adverse financial circumstances to report. Under no circumstances do we require or solicit payment of fees in excess of $1,200 per client more than six months or more in advance of services rendered. Therefore, we are not required to include a financial statement. Financial Insights has not been the subject of a bankruptcy petition at any time during the past ten years.