Fully Financial

Item 1: Cover Page Part 2B of Form ADV: Brochure Supplement This brochure supplement provides information about each registered investment adviser representative and supplements the Fully Financial, LLC (“Fully Financial”) firm brochure. A copy of that brochure precedes this supplement. If you have any questions about the contents of the firm brochure or the contents of this brochure supplement, please contact us at (706) 389-8426 or by email at hello@fullyfin.com. Additional information about each adviser is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number CRD#: 326015. Fully Financial, LLC 295 W Clayton Street Suite 100-B Athens, GA 30601 (706) 389-8426 www.fullyfin.com Version Date: July 1, 2026  Benjamin “Ben” Isaac Jacobs-Nichelson, M.S., CFP®, EA Item 2: Educational Background and Business Experience Year of birth: 1995 Educational Background: ● 2016 – Master of Science in Financial Planning, University of Georgia ● 2016 – Bachelor of Science in Consumer Economics, University of Georgia Business Experience: ● May 2023 – Present, Fully Financial, LLC, Founder, Financial Planner, and CCO ● ● January 2020 – Present, Part-Time Instructor of Financial Planning, University of Georgia June 2022 – April 2023, Elwood & Goetz Wealth Advisory Group, LLC, Chief Financial Officer ● November 2014 – April 2023, Elwood & Goetz Wealth Advisory Group, LLC, Financial Planner Professional Designation(s) CFP® (Certified Financial Planner) Ben Jacobs-Nichelson is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Ben Jacobs-Nichelson may refer to themself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and Ben Jacobs-Nichelson may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: ● Education: Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. 2  ● Examination: Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. ● Experience: Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. ● Ethics: Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: ● Ethics: Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. ● Continuing Education: Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Enrolled Agent (EA) An enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years. Enrolled agents, like attorneys and certified public accountants (CPAs), have unlimited practice rights. This means they are unrestricted as to which taxpayers they can represent, what types of tax matters they can handle, and which IRS offices they can represent clients before. Learn more about enrolled agents in Treasury Department Circular 230. 3  Item 3: Disciplinary Information Ben Jacobs-Nichelson has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 4: Other Business Activities Ben Jacobs-Nichelson is currently employed as a part-time instructor of financial planning at the University of Georgia. This activity accounts for less than 5% of his time. Item 5: Additional Compensation Ben Jacobs-Nichelson does not receive any economic benefit from any person, company, or organization, in exchange for providing Clients advisory services through Fully Financial. Item 6: Supervision Ben Jacobs-Nichelson as Chief Compliance Officer of Fully Financial, supervises the advisory activities of our firm. Ben Jacobs-Nichelson is bound by and will adhere to the firm’s policies and procedures and Code of Ethics. Clients may contact Ben Jacobs-Nichelson at the phone number on this brochure supplement. 4  Ryan Miller Rasmussen, CFP® Item 2: Educational Background and Business Experience Year of birth: 1995 Educational Background: ● 2017 – Bachelor of Science in Financial Planning, University of Georgia Business Experience: July 2024 – May 2025, University of Georgia, Assistant Director of Gift and Estate Planning ● May 2025 – Present, Fully Financial, LLC, Financial Planner ● ● March 2022 – June 2024, University of Georgia, Trust and Estates Coordinator ● March 2020 – March 2022, Elwood & Goetz Wealth Advisory Group, LLC, Senior Financial Planner ● March 2019 – February 2020, Abacus Wealth Partners, Financial Advisor ● June 2017 – March 2019, Yeske Buie, Financial Planning Resident Professional Designation(s) CFP® (Certified Financial Planner) Ryan Rasmussen is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Ryan Rasmussen may refer to themself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and Ryan Rasmussen may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: ● Education: Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. 5  ● Examination: Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. ● Experience: Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. ● Ethics: Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: ● Ethics: Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. ● Continuing Education: Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3: Disciplinary Information Ryan Rasmussen has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 4: Other Business Activities Ryan Rasmussen currently serves as a Personal Finance Educator for the Teachers Retirement System of Georgia (TRSGA), facilitating three educational presentations to retirement system participants each year. This activity does not require any commitment that occurs within Fully Financial’s business hours and, overall, accounts for approximately 20 hours per year. 6  Item 5: Additional Compensation Ryan Rasmussen does not receive any economic benefit from any person, company, or organization, in exchange for providing Clients advisory services through Fully Financial. Item 6: Supervision Ryan Rasmussen is supervised through a compliance program designed to prevent and detect violations of the federal and state securities laws. Supervision is conducted by Fully Financial’s Chief Compliance Officer, Ben Jacobs-Nichelson, who is responsible for administering the policies and procedures. Ben Jacobs-Nichelson or his designate reviews the firm’s policies and procedures annually for their adequacy and the effectiveness of their implementation. Ryan Rasmussen is bound by and will adhere to the firm’s policies and procedures and Code of Ethics. Clients may contact Ben Jacobs-Nichelson at the phone number on this brochure supplement. 7