HILL ISLAND FINANCIAL LLC

Hill Island Financial LLC Form ADV Part 2A – Disclosure Brochure Effective: October 2, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Hill Island Financial is a registered investment advisor with U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Hill Island Financial to assist you in determining whether to retain the Advisor. Additional information about Hill Island Financial and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 313469. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com/  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Hill Island Financial. For convenience, the Advisor has combined these documents into a single disclosure document. Hill Island Financial believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Hill Island Financial encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on March 26, 2024: • The Advisor has amended Item 8 of this Disclosure Brochure to reflect risks associated with Structured Products. Please see Item 8 for additional information. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 313469. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered .............................................................................................................................................. 4 C. Client Account Management .......................................................................................................................................... 6 D. Wrap Fee Programs ....................................................................................................................................................... 6 E. Assets Under Management ............................................................................................................................................ 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................. 6 B. Fee Billing ....................................................................................................................................................................... 8 C. Other Fees and Expenses ............................................................................................................................................. 8 D. Advance Payment of Fees and Termination .................................................................................................................. 9 E. Compensation for Sales of Securities ............................................................................................................................ 9 Item 6 – Performance-Based Fees and Side-By-Side Management ................................................................ 10 Item 7 – Types of Clients ..................................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 10 A. Methods of Analysis ..................................................................................................................................................... 10 B. Risk of Loss .................................................................................................................................................................. 10 Item 9 – Disciplinary Information ....................................................................................................................... 12 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 13 A. Code of Ethics .............................................................................................................................................................. 13 B. Personal Trading with Material Interest ........................................................................................................................ 13 C. Personal Trading in Same Securities as Clients .......................................................................................................... 13 D. Personal Trading at Same Time as Client ................................................................................................................... 13 Item 12 – Brokerage Practices ............................................................................................................................ 13 A. Recommendation of Custodian[s] ................................................................................................................................ 13 B. Aggregating and Allocating Trades .............................................................................................................................. 14 Item 13 – Review of Accounts ............................................................................................................................ 15 A. Frequency of Reviews .................................................................................................................................................. 15 B. Causes for Reviews ..................................................................................................................................................... 15 C. Review Reports ............................................................................................................................................................ 15 Item 14 – Client Referrals and Other Compensation ........................................................................................ 15 A. Compensation Received by Hill Island Financial ......................................................................................................... 15 B. Compensation for Client Referrals ............................................................................................................................... 16 Item 15 – Custody ................................................................................................................................................ 16 Item 16 – Investment Discretion ......................................................................................................................... 16 Item 17 – Voting Client Securities ...................................................................................................................... 16 Item 18 – Financial Information .......................................................................................................................... 16 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 17 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 19 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 22 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 25 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 28 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 30 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 33 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 35 Privacy Policy ...................................................................................................................................................... 37 Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 3  Item 4 – Advisory Services A. Firm Information Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Michigan. Hill Island Financial was founded in September 2021. Hill Island Financial is owned and operated by Kevin M. Toler (Partner & Private Wealth Advisor) and Joshua Moeller (Partner, President and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Hill Island Financial. B. Advisory Services Offered Hill Island Financial offers advisory services to individuals, high net worth individuals, families, trusts, estates, and businesses (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith towards each Client and seeks to mitigate conflicts of interest. Hill Island Financial’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Hill Island Financial provides customized investment management solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Hill Island Financial works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to design a portfolio strategy. Hill Island Financial will then construct an investment portfolio, consisting of exchange-traded funds (“ETFs”) and/or mutual funds to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, individual bonds, and other types of investments, as appropriate, to meet the needs of the Client. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax- related reasons, or other reasons as identified between the Advisor and the Client. Hill Island Financial will select, recommend and/or retain mutual funds on a fund by fund basis. Due to specific custodial and/or mutual fund company constraints, material tax consideration, and/or systematic investment plans, Hill Island Financial will select, recommend and/or retain a mutual fund share classes that do not have trading costs when possible. These will in most cases be institutional share classes but in some cases may be share classes with higher internal expense ratios than institutional share classes. Hill Island Financial will seek to select the lowest cost share class available that is in the best interest of each Client weighing the expected investment pattern, expense ratios and potential ticket charges, and will ensure the selection aligns with the Client’s financial objectives and stated investment guidelines. Hill Island Financial’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Hill Island Financial will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Hill Island Financial evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Hill Island Financial may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Hill Island Financial may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against the market movement. Hill Island Financial may recommend selling positions for reasons that include, but are not Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 4  limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Use of Independent Managers – Hill Island Financial may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment advisory agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning Services Hill Island Financial will typically provide a variety of financial planning and consulting services to Clients. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Hill Island Financial may also refer Clients to an accountant, attorney, or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For project-based or ad-hoc engagements, the Advisor may not provide a written summary. Project-based financial plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services Hill Island Financial provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 5  and the company/sponsor (the “Plan Sponsor”) The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring • • Investment Oversight Services (ERISA 3(21)) • Plan Participant Enrollment and Education Tracking • Ongoing Investment Recommendation and Assistance • Vendor Analysis • ERISA 404(c) Assistance • Benchmarking Services These services are provided by Hill Island Financial serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Hill Island Financial’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Hill Island Financial to provide advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority, and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Hill Island Financial, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – Hill Island Financial will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client or unique client goal. • Portfolio Construction – Hill Island Financial will develop a portfolio for the Client that is intended to • meet the stated goals and objectives of the Client. Investment Management and Supervision – Hill Island Financial will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Hill Island Financial does not manage or place Client assets into a wrap fee program. E. Assets Under Management As of December 31, 2024, Hill Island Financial manages $536,995,980 in Client assets, $505,665,249 of which are on a discretionary basis and $31,330,731 of which are on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid monthly, in advance of each calendar month, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar month. Investment advisory fees are based on the following tiered fee schedule. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 6  Assets Under Management ($) Up to $500,000 $500,001 to $1,000,000 $1,000,001 to $3,000,000 $3,000,001 to $5,000,000 $5,000,001 to $10,000,000 $10,000,001 to $15,000,000 $15,000,001 to $25,000,000 $25,000,001 to $50,000,000 $50,000,001 to $75,000,000 Over $75,000,000 Annual Rate (%) 1.65% 1.50% 1.25% 1.00% 0.85% 0.75% 0.65% 0.60% 0.55% Negotiable The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Advisor typically offers a tiered, incremental fee schedule (as detailed above) where the rate is reduced as assets under management increase. In certain circumstances, the Advisor may charge a fixed annual rate or fixed fee for its services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Hill Island Financial will be independently valued by the Custodian. Hill Island Financial will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing. The Advisor’s fee is exclusive of and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees and costs. Clients may make additions to and withdrawals from their account[s] at any time, subject to Hill Island Financial’ right to terminate an account. Additions may be in cash or securities provided that Hill Island Financial reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Hill Island Financial, subject to the usual and customary securities settlement procedures. However, Hill Island Financial designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Hill Island Financial may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. If the Client is required to authorize and enter into an investment advisory agreement with an Independent Manage then the terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Financial Planning Services Hill Island Financial offers financial planning services either as a one-time project or as an on-going engagement for a fixed fee. Project-based fees range from $1,500 to $15,000. On-going fees range from $375 to $1,000 per month. Fees may be negotiable based on the nature and complexity of the services to be provided and the Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 7  overall relationship with the Advisor. An estimate for total costs will be negotiated with the Client prior to engaging for these services. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.25% and are billed monthly in advance, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are based on the market value of assets under management at the end of the prior month. Fees may be negotiable depending on the size and complexity of the Plan. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] in advance of each calendar month. The amount due is calculated by applying the monthly rate (annual rate divided by 12) to the market value of assets under management as of the end of the prior calendar month. Clients will be provided with a statement, generally monthly, from the Custodian reflecting the deduction of the investment management fee. Clients provide written authorization permitting advisory fees to be deducted by Hill Island Financial to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Hill Island Financial’s investment advisory fee (as noted above) plus investment advisory fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. In other instances the Advisor and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account[s]. Financial Planning Services Financial planning fees for project-based engagements may be invoiced up to 50 percent (50%) of the expected total fee upon execution of the financial planning agreement. For ongoing financial planning engagements, fees are invoiced monthly at the beginning of each month. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties other than Hill Island Financial, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and custody fees charged by the Custodian, if applicable. The Advisor's recommended Custodian often does not charge securities transaction fees for ETF and equity trades in a Client's account[s], provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian may charge for certain mutual funds and other types of investments. The fees charged by Hill Island Financial are separate and distinct from these custody and execution fees. In addition, all fees paid to Hill Island Financial for investment management services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Hill Island Financial but would not receive the services provided by Hill Island Financial which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 8  fees charged by the fund[s] and the fees charged by Hill Island Financial to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. Additionally, as noted above, the Advisor will select share classes that do not have trading costs when possible. These will in most cases be institutional share classes but in some cases may be share classes with higher internal expense ratios than institutional share classes. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Management Services Hill Island Financial is compensated for its investment management services in advance of the month in which services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the Client. Upon termination, the Advisor will refund any unearned, prepaid fees from the effective date of termination through the end of the month. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest or a Client should wish to terminate their relationship with the Independent Manager, the terms for the termination will be set forth in the respective agreements between the Client or the Advisor and the Independent Manager. Hill Island Financial will assist the Client with the termination and transition as appropriate. Financial Planning Services Hill Island Financial may be compensated for its financial planning services in advance. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for project-based engagements based on the percentage of the engagement scope completed by the Advisor. For ongoing engagements, the fee is pro-rated and refunded based on the remaining number of days in the billing period from the effective date of termination to the end of the period. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Hill Island Financial is compensated for its services at the beginning of the month before advisory services are rendered. Either party may request to terminate a retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the month. The Client’s retirement plan services agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Hill Island Financial does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the wealth management fees noted above. Certain Advisory Persons are also licensed as independent insurance professionals. These persons will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by Advisory Persons are separate and in addition to advisory fees. This practice presents a conflict of interest because person’s providing investment advice on behalf of the Advisor who are insurance agents have an incentive to recommend insurance products to Clients for the purpose of generating commissions, rather than solely based on Client needs. However, Clients are under no obligation, contractually Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 9  or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. Item 6 – Performance-Based Fees and Side-By-Side Management Hill Island Financial does not charge performance-based fees for its wealth management services. The fees charged by Hill Island Financial are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Hill Island Financial does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Hill Island Financial offers advisory services to individuals, high net worth individuals, families, trusts, estates, and businesses. Hill Island Financial generally does not impose a minimum relationship size. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Hill Island Financial primarily employs fundamental and technical analysis methods in developing investment strategies for its Clients. Research and analysis from Hill Island Financial are derived from numerous sources, including financial media companies, third-party research materials, professional data subscriptions, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria generally consists of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Hill Island Financial will be able to predict such a reoccurrence accurately. As noted above, Hill Island Financial generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Hill Island Financial will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Hill Island Financial may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Hill Island Financial will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 10  guarantee that a Client will meet their investment goals. Please see Item 8.B. for risks associated with the Advisor’s investment strategies as well as general risks of investing. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals, or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond ETF Risks Bond ETFs are subject to specific risks, including the following: (1) interest rate risks, i.e., the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bonds time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e., the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investors rate of return, (4) credit default risk, i.e., the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e., the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e., the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 11  Structured Products Structured products are securities derived from another asset, such as a security or a basket of securities, an index, a commodity, a debt issuance, or a foreign currency. Structured products frequently limit the upside participation in the reference asset. Structured products are senior unsecured debt of the issuing bank and subject to the credit risk associated with that issuer. This credit risk exists whether or not the investment held in the account offers principal protection. The creditworthiness of the issuer does not affect or enhance the likely performance of the investment other than the ability of the issuer to meet its obligations. Any payments due at maturity are dependent on the issuer’s ability to pay. In addition, the trading price of the security in the secondary market, if there is one, may be adversely impacted if the issuer’s credit rating is downgraded. Some structured products offer full protection of the principal invested, others offer only partial or no protection. Investors may be sacrificing a higher yield to obtain the principal guarantee. In addition, the principal guarantee relates to nominal principal and does not offer inflation protection. An investor in a structured product never has a claim on the underlying investment, whether a security, zero coupon bond, or option. There may be little or no secondary market for the securities and information regarding independent market pricing for the securities may be limited. This is true even if the product has a ticker symbol or has been approved for listing on an exchange. Tax treatment of structured products may be different from other investments held in the account (e.g., income may be taxed as ordinary income even though payment is not received until maturity). Structured CDs that are insured by the FDIC are subject to applicable FDIC limits. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving Hill Island Financial or its management persons. Hill Island Financial values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 313469. Item 10 – Other Financial Industry Activities and Affiliations Except as noted below, Hill Island Financial does not maintain any affiliations with other firms, other than contracted service providers to assist with the servicing of its Client’s accounts. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Hill Island Financial. As an insurance professional, the Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Advisory Persons or the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 12  Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Hill Island Financial has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Hill Island Financial (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. Hill Island Financial and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Hill Island Financial’ Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (616) 977-2639. B. Personal Trading with Material Interest Hill Island Financial allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Hill Island Financial does not act as a principal in any transactions. In addition, the Advisor does not act as the general partner of a fund or advise an investment company. Hill Island Financial does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Hill Island Financial allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Hill Island Financial requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”). The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Hill Island Financial allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Hill Island Financial, or any Supervised Person of Hill Island Financial, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Hill Island Financial does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Hill Island Financial to direct trades to the Custodian as agreed upon in the wealth management agreement. Further, Hill Island Financial does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Hill Island Financial does not exercise discretion over the selection of the Custodian, it may recommend the Custodian[s] to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost associated with using a custodian not recommended by Hill Island Financial. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Hill Island Financial may recommend the Custodian based on criteria such as, but not limited to, the reasonableness of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of the Custodian’s offices. Hill Island Financial will generally recommend that Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 13  Clients establish their account[s] at Fidelity Clearing and Custody Solutions and related divisions and entities of Fidelity Investments, Inc., including National Financial Services LLC, and Fidelity Brokerage Services LLC (collectively “Fidelity”), a FINRA-registered broker-dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodian.” Hill Island Financial maintains an institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Fidelity. Hill Island Financial has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity platform is provided at no charge to the Advisor. The Fidelity platform includes brokerage, custody, administrative support, record keeping, technology and related services designed to support registered investment advisors like Hill Island Financial in serving Clients. These services are intended to serve the best interests of the Advisor’s Clients. Fidelity may charge brokerage commissions (securities transaction fees) for effecting certain securities transactions. Fidelity enables the Advisor to obtain certain no-load mutual funds without securities transaction fees and other no-load funds at nominal transaction charges. Fidelity’s commission rates are generally considered discounted from customary retail commission rates. However, the commissions and transaction fees charged by Fidelity may be higher or lower than those charged by other custodians and broker-dealers. Please see Item 14 below for additional information. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Hill Island Financial does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - Hill Island Financial does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis,” where Hill Island Financial will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Hill Island Financial will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. A Client may pay a commission that is higher than another qualified custodian might charge to effect the same transaction. The Advisor has determined in good faith that the commissions charged by Fidelity are reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not necessarily the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of the Custodian’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although the Advisor will seek competitive rates, to the benefit of all Clients, it may not necessarily obtain the lowest possible commission rates for specific Client account transactions. Although the investment research products and services that may be obtained by the Advisor will generally be used to service all of the Advisor’s Clients, they may not equally benefit all Clients. Please also see Item 14. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Hill Island Financial will execute its transactions through the Custodian as authorized by the Client. Hill Island Financial may aggregate orders in a Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 14  block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of Hill Island Financial and periodically by the CCO. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Hill Island Financial if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic, or political events. C. Review Reports The Client will receive brokerage statements generally monthly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Hill Island Financial Hill Island Financial is a fee-based advisory firm that is compensated solely by its Clients and not from any investment product. Hill Island Financial does not receive commissions or other compensation from product sponsors, broker-dealers or any unrelated third party. Hill Island Financial may refer Clients to various unaffiliated, non-advisory professionals (e.g., attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Hill Island Financial may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform As noted in item 12, Hill Island Financial has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Advisor, at no additional charge to the Advisor, certain research and brokerage services, including research services obtained by Fidelity directly from independent research companies. The Advisor may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Advisor may have an incentive to continue to use or expand the use of Fidelity's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Fidelity The software and related systems Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 15  support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. In addition, Fidelity has provided the Advisor with financial support in the launch of the Advisor and reimbursements for various third-party service providers. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody Hill Island Financial does not accept or maintain custody of any Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Hill Island Financial exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Hill Island Financial to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Hill Island Financial to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Money Movement Authorization - For instances where Clients authorize Hill Island Financial to move funds between their accounts, Hill Island Financial and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Hill Island Financial generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Hill Island Financial. The discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Hill Island Financial will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Hill Island Financial does not accept proxy-voting responsibility for any Client. The Advisor will assist in answering questions relating to proxies. However, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Hill Island Financial, nor its management, have any adverse financial situations that would reasonably impair the ability of Hill Island Financial to meet all obligations to its Clients. Neither Hill Island Financial, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Hill Island Financial is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 16  Form ADV Part 2B – Brochure Supplement for Joshua Moeller Partner and President Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Joshua Moeller (CRD# 6929673) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Additional information about Mr. Moeller is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6929673. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 17  Item 2 – Educational Background and Business Experience Joshua Moeller, born in 1984, is dedicated to advising Clients of Hill Island Financial as a Partner and President. Mr. Moeller earned a Bachelors of Science from Northern Michigan University in 2008. Additional information regarding Mr. Moeller’s employment history is included below. Employment History: Partner and President, Hill Island Financial LLC Practice Manager, Kevin Toler & Associates Area Director, Fitness Together 09/2021 to Present 06/2017 to 09/2021 02/2009 to 06/2017 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Moeller. Mr. Moeller has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Moeller. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Moeller. However, we do encourage you to independently view the background of Mr. Moeller on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6929673. Item 4 – Other Business Activities Mr. Moeller is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Moeller does not have any other business activities. Item 5 – Additional Compensation Mr. Moeller is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Moeller does not receive any additional forms of compensation. Item 6 – Supervision Mr. Moeller serves as a Partner and President of Hill Island Financial. Mr. Moeller can be reached at (616) 977- 2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 18  Form ADV Part 2B – Brochure Supplement for Kevin M. Toler, APMA®, CRPC® Partner and Private Wealth Advisor Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Kevin M. Toler, APMA®, CRPC® (CRD# 4481134) in addition to the information contained in the Hill Island Financial LLC] (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Additional information about Mr. Toler is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4481134. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 19  Item 2 – Educational Background and Business Experience Kevin M. Toler, APMA®, CRPC®, born in 1976, is dedicated to advising Clients of Hill Island Financial as a Partner and Private Wealth Advisor. Mr. Toler earned a B.S. in Political Science from DePauw University in 1998. Additional information regarding Mr. Toler’s employment history is included below. Employment History: Partner & Private Wealth Advisor, Hill Island Financial LLC Private WealthAdvisor, Ameriprise Financial Services, LLC 09/2021 to Present 07/2002 to 09/2021 Accredited Portfolio Management Advisor™ (“APMA®”) Individuals who hold the APMA® designation have completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory, and investor psychology. Students have hands-on practice in analyzing investment policy statements, building portfolios, and making asset allocation decisions, including sell, hold, and buy decisions within a client’s portfolio. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct™ and are subject to a disciplinary process. Designees renew their designation every two- years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct™, and complying with self-disclosure requirements. Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Item 3 – Disciplinary Information Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. There are no matters that require disclosure. We do encourage you to independently view the background of Mr. Toler on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4481134. Item 4 – Other Business Activities Mr. Toler is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Toler does not have any other business activities. Item 5 – Additional Compensation Mr. Toler is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Toler does not receive any additional forms of compensation. Item 6 – Supervision Mr. Toler serves as a Partner and Private Wealth Advisor of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 20  Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 21  Form ADV Part 2B – Brochure Supplement for Rebecka L. Pratt, CLU® Private Wealth Advisor Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Rebecka L. Pratt, CLU® (CRD# 5107227) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Additional information about Ms. Pratt is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5107227. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 22  Item 2 – Educational Background and Business Experience Rebecka L. Pratt, CLU®, born in 1980, is dedicated to advising Clients of Hill Island Financial as a Private Wealth Advisor. Ms. Pratt earned a Bachelor of Arts from Grand Valley State University in 2002. Additional information regarding Ms. Pratt’s employment history is included below. Employment History: Private Wealth Advisor, Hill Island Financial LLC Financial Advisor, Ameriprise Financial Services, LLC Financial Advisor, Fifth Third Securities, Inc. 09/2021 to Present 06/2008 to 09/2021 03/2006 to 11/2007 The Chartered Life Underwriter™ (“CLU®”) The Chartered Life Underwriter™ (CLU®) is a designation of insurance expertise, helping gain a significant advantage in a competitive market. This course of study helps by providing in-depth knowledge of the insurance needs of individuals, business owners, and professional clients. Program Learning Objectives: • Provide guidance to clients on types and amounts of life insurance needed • Make recommendations on aspects of risk management, including personal and business uses of a variety of insurance solutions • Provide guidance to clients on legal aspects of life insurance contracts and beneficiaries • Assist clients in making decisions about estate planning, including the proper holding of assets and title to assets, as well as the implications of various wills and trust arrangements on financial, retirement and succession planning issues • Provide a holistic and comprehensive approach to addressing the insurance planning needs of their clients Item 3 – Disciplinary Information Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. There are no legal, civil or disciplinary events to disclose regarding Ms. Pratt. We do encourage you to independently view the background of Ms. Pratt on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5107227. Item 4 – Other Business Activities Insurance Agency Affiliations Ms. Pratt is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Ms. Pratt’s role with Hill Island Financial. As an insurance professional, Ms. Pratt will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. Pratt is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Ms. Pratt or the Advisor. Ms. Pratt spends approximately 10% of her time per month in this capacity. Item 5 – Additional Compensation Ms. Pratt has additional business activities where compensation is received that are detailed in Item 4 above. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 23  Item 6 – Supervision Ms. Pratt serves as a Private Wealth Advisor with Hill Island Financial and is supervised by Josh Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 24  Form ADV Part 2B – Brochure Supplement for Arian L. Nelson, CFP® Private Wealth Manager Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Arian L. Nelson, CFP® (CRD# 5736836) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact us at (616) 977-2639. Additional information about Mrs. Nelson is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5736836. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 25  Item 2 – Educational Background and Business Experience Arian L. Nelson, CFP®, born in 1977, is dedicated to advising Clients of Hill Island Financial as a Private Wealth Manager. Mrs. Nelson earned a Bachelor’s Degree in Accounting from Davenport University in 2006. Additional information regarding Mrs. Nelson’s employment history is included below. Employment History: Private Wealth Manager, Hill Island Financial LLC Wealth Management Advisor, Fifth Third Private Bank Investment Executive, Fifth Third Securities 08/2022 to Present 12/1996 to 08/2022 12/2009 to 12/2021 CERTIFIED FINANCIAL PLANNER® professional I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. 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 requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • 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 Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 26  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 There are no legal, civil or disciplinary events to disclose regarding Mrs. Nelson. Mrs. Nelson has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Nelson. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Nelson. However, we do encourage you to independently view the background of Mrs. Nelson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5736836. Item 4 – Other Business Activities Insurance Agency Affiliations Mrs. Nelson is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mrs. Nelson’s role with Hill Island Financial. As an insurance professional, Mrs. Nelson will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mrs. Nelson is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mrs. Nelson or the Advisor. Mrs. Nelson spends approximately 1% of her time per month in this capacity. Item 5 – Additional Compensation Mrs. Nelson has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mrs. Nelson serves as a Private Wealth Manager of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 27  Form ADV Part 2B – Brochure Supplement for Amanda M. Bassford Manager, Client Services Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Amanda M. Bassford (CRD# 7232011) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact us at (616) 977-2639. Additional information about Mrs. Bassford is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 7232011. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 28  Item 2 – Educational Background and Business Experience Amanda M. Bassford, born in 1989, is dedicated to advising Clients of Hill Island Financial as a Manager, Client Services. Mrs. Bassford earned a Bachelor’s Degree in Japanese Language and Literature from Oakland University in 2014. Additional information regarding Mrs. Bassford’s employment history is included below. Employment History: Manager, Client Services, Hill Island Financial LLC Associate, Client Services, Hill Island Financial LLC Client Service Specialist, Kevin Toler & Associates Implementation Specialist, Kelly Services 09/2025 to Present 09/2021 to 09/2025 02/2020 to 09/2021 04/2014 to 02/2020 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Bassford. Mrs. Bassford has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Bassford. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Bassford. However, we do encourage you to independently view the background of Mrs. Bassford on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 7232011. Item 4 – Other Business Activities Mrs. Bassford is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mrs. Bassford does not have any other business activities. Item 5 – Additional Compensation Mrs. Bassford is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mrs. Bassford does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Bassford serves as a Manager, Client Services of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 29  Form ADV Part 2B – Brochure Supplement for Blake A. Appell, CFP® Senior Associate, Client Service Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Blake A. Appell, CFP® (CRD# 6895029) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact us at (616) 977-2639. Additional information about Mr. Appell is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6895029. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 30  Item 2 – Educational Background and Business Experience Blake A. Appell, CFP®, born in 1994, is dedicated to advising Clients of Hill Island Financial as a Senior Associate, Client Service. Mr. Appell earned a Bachelor’s Degree from Hope College in 2016. Additional information regarding Mr. Appell’s employment history is included below. Employment History: 04/2024 to Present 09/2020 to 03/2024 09/2019 to 003/2020 03/2018 to 07/2019 12/2017 to 07/2019 Senior Associate, Client Service, Hill Island Financial LLC Client Service Associate, Henrickson Nauta Wealth Advisors, Inc. Account Manager, TriFound Financial, LLC Registered Representative, Merrill Lynch, Pierce, Fenner & Smith Incorporated Investment Advisor Representative, Merrill Lynch, Pierce, Fenner & Smith Incorporated CERTIFIED FINANCIAL PLANNER® professional I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. 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 requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • 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 Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 31  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 There are no legal, civil or disciplinary events to disclose regarding Mr. Appell. Mr. Appell has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Appell. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Appell. However, we do encourage you to independently view the background of Mr. Appell on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6895029. Item 4 – Other Business Activities Mr. Appell is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Appell does not have any other business activities. Item 5 – Additional Compensation Mr. Appell is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. Appell does not receive any additional forms of compensation. Item 6 – Supervision Mr. Appell serves as a Senior Associate, Client Service of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 32  Form ADV Part 2B – Brochure Supplement for Jacob A. VandenBosch Associate, Operations Analyst Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jacob A. VandenBosch (CRD# 7975503) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact us at (616) 977-2639. Additional information about Mr. VandenBosch is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7975503. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 33  Item 2 – Educational Background and Business Experience Jacob A. VandenBosch, born in 1994, is dedicated to advising Clients of Hill Island Financial as an Associate, Operations Analyst. Mr. VandenBosch earned his Bachelor’s Degree in Business Administration from University of Notre Dame in 2016. Additional information regarding Mr. VandenBosch’s employment history is included below. Employment History: Associate, Operations Analyst, Hill Island Financial LLC Associate, Electronic Trading, ISAM Securities 06/2024 to Present 03/2018 to 05/2024 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. VandenBosch. Mr. VandenBosch has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. VandenBosch. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. VandenBosch. However, we do encourage you to independently view the background of Mr. VandenBosch on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7975503. Item 4 – Other Business Activities Mr. VandenBosch is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. VandenBosch does not have any other business activities. Item 5 – Additional Compensation Mr. VandenBosch is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Mr. VandenBosch does not receive any additional forms of compensation. Item 6 – Supervision Mr. VandenBosch serves as an Associate, Operations Analyst of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 34  Form ADV Part 2B – Brochure Supplement for Andrew N. Knapp Associate, Executive Client Service and Operations Effective: October 2, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Andrew N. Knapp (CRD# 7993153) in addition to the information contained in the Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”, CRD# 313469) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Hill Island Financial Disclosure Brochure or this Brochure Supplement, please contact us at (616) 977-2639. Additional information about Dr. Knapp is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with [his/her] full name or [his/her] Individual CRD# 7993153. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 35  Item 2 – Educational Background and Business Experience Andrew N. Knapp, born in 1982, is dedicated to advising Clients of Hill Island Financial as an Associate, Executive Client Service and Operations. Dr. Knapp earned a Bachelor’s degree from Seattle Pacific University in 2004. Dr. Knapp also earned a MTS from University of Notre Dame in 2007. Dr. Knapp also earned a PhD from The Johns Hopkins University in 2012. Additional information regarding Dr. Knapp’s employment history is included below. Employment History: Associate, Executive Client Service and Operations, Hill Island Financial LLC Senior Acquisitions Editor, Wm. B. Eerdmans Publishing Co. Acquisitions Editor, Eisenbrauns 09/2024 to Present 06/2015 to 09/2024 10/2012 to 05/2015 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Dr. Knapp. Dr. Knapp has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Dr. Knapp. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Dr. Knapp. However, we do encourage you to independently view the background of Dr. Knapp on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with [his/her] full name or [his/her] Individual CRD# 7993153. Item 4 – Other Business Activities Dr. Knapp is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Dr. Knapp does not have any other business activities. Item 5 – Additional Compensation Dr. Knapp is dedicated to the investment advisory activities of Hill Island Financial’s Clients. Dr. Knapp does not receive any additional forms of compensation. Item 6 – Supervision Dr. Knapp serves as an Associate, Executive Client Service and Operations of Hill Island Financial and is supervised by Joshua Moeller, the Chief Compliance Officer. Mr. Moeller can be reached at (616) 977-2639. Hill Island Financial has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Hill Island Financial. Further, Hill Island Financial is subject to regulatory oversight by various agencies. These agencies require registration by Hill Island Financial and its Supervised Persons. As a registered entity, Hill Island Financial is subject to examinations by regulators, which may be announced or unannounced. Hill Island Financial is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 36  Privacy Policy Effective: October 2, 2025 Our Commitment to You Hill Island Financial LLC (“Hill Island Financial” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Hill Island Financial (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Hill Island Financial does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural, and electronic security measures. These include such safeguards as secure passwords, encrypted file storage, and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 37  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes Hill Island Financial does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Hill Island Financial or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent(s) or representative(s). No Not Shared Information About Former Clients Hill Island Financial does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting the Advisor at (616) 977-2639 or via email at kevin@hillislandfinancial.com. Hill Island Financial LLC 38 Commerce Avenue SW, Suite 310, Grand Rapids, MI 49503 Phone: (616) 977-2639 | https://hillislandfinancial.com Page 38