IP FINANCIAL ADVISORY SERVICES LLC

IP Financial Advisory Services LLC: Form ADV, Part 2B Brittaney Cooks Fairview Plaza Office Complex 5950 Fairview Road Suite 140 Charlotte, NC 28210 980-326-3335 www.ipfinancialservicesllc.com October 28, 2025 This Brochure provides information about the advisory personnel on whom you may rely for investment advice. Please contact IP FINANCIAL ADVISORY SERVICES LLC if you did not receive our Brochure (ADV Part 2A) or were not provided with information of where to access the ADV Part 2A, or if you have any questions about the contents of this supplement. Additional information about IP FINANCIAL ADVISORY SERVICES LLC or advisory personnel is available on the SEC’s website at www.advisorinfo.sec.gov. Advisory Personnel Brittaney Cooks CRD#: 8127437 1  IP Financial Advisory Services LLC: Form ADV, Part 2B Brittaney Cooks Item 2- Business Experience Investment Advisor Name: Brittaney Cooks Year of Birth: 1989 Education: Wayne County Community College-Associates in Accounting Walsh College-BA in Accounting Processing Walsh College-MBA Business Background: Wright Time Financial- 04/2025-Present- Registered Representative IP Financial Advisory Services LLC– 04/2025 to Present – Investment Advisor Representative 313 Presents LLC- 09/2018-Present-Accoountant Item 3 – Disciplinary Information None Item 4 – Other Business Activities Ms. Cooks is an accountant with 313 Presents LLC. She is paid for providing accounting services. Ms. Cooks does not act in an investment advisory representative role when recommending these services. She devotes approximately 160 hours per month to this activity. IP Financial Advisory Services LLC (IPFS LLC) is a registered investment advisory firm and is also a licensed Insurance agency. Our representatives are registered with IP FINANCIAL ADVISORY SERVICES LLC as investment advisor representative and may also be licensed insurance agents. IP FINANCIAL ADVISORY SERVICES LLC and our representatives, acting in capacity as insurance agents, will earn commission-based compensation for selling insurance products such as life, health, and long-term care products. Insurance commissions are separate from our advisory fees. This practice presents a conflict of interest where representatives providing investment advice on behalf of our firm and who are also insurance agents may have an incentive to recommend insurance products to clients for the purpose of generating commissions. In addition, IP FINANCIAL ADVISORY SERVICES LLC is a fiduciary and must act in the best interest of clients. Clients are under no obligation, contractually or otherwise, to purchase insurance products or any other products through IP FINANCIAL ADVISORY SERVICES LLC. IP FINANCIAL ADVISORY SERVICES LLC and our representatives may recommend that clients use a third-party investment advisor ("TPIA") based on their needs and suitability. Prior to referring clients to third party advisors IP FINANCIAL ADVISORY SERVICES LLC ensures that the third-party advisors are duly licensed, or notice filed with the Department of Corporations or other appropriate jurisdictions. IP FINANCIAL ADVISORY SERVICES LLC and our representatives may receive compensation from these TPIAs for recommending that clients use their services. This compensation generally takes the form of the TPIA sharing a percentage of the advisory fee the client pays to them with IP FINANCIAL ADVISORY SERVICES LLC and the respective representative. These compensation arrangements present a conflict of interest because IP FINANCIAL ADVISORY SERVICES LLC and our representatives may have a financial incentive to recommend TPIAs that pay fees rather than those that don't. In addition, IP FINANCIAL ADVISORY SERVICES LLC and our representatives may have a conflict with referring clients to those TPIAs 2  IP Financial Advisory Services LLC: Form ADV, Part 2B Brittaney Cooks that pay higher fees over those that pay lower fees. Clients are not obligated, contractually or otherwise, to use the services of any TPIA that IP FINANCIAL ADVISORY SERVICES LLC or our representatives recommend. IP FINANCIAL ADVISORY SERVICES LLC provides actuarial and other consulting services. The fees for such services are separate and apart from the advisory fees charged by IP FINANCIAL ADVISORY SERVICES LLC. The actuarial and other consulting services that IP FINANCIAL ADVISORY SERVICES LLC provides include but are not limited to the following: • Actuarial Analysis • Stochastic Analysis • Risk Analysis • Charitable Lead Annuity Tax Planning • Structured Tax Planning • Income and Withdrawal Planning • Benefit and Compensation Planning • Life, Health, and Disability Analysis • Long Term Care Insurance Analysis • Supplemental Executive Retirement Planning • Estate and Gift Tax Planning • Charitable Planning • Business Succession Planning Item 5 – Additional Compensation Registered Investment Advisors are required to disclose if the supervised person received an economic benefit from someone who is not a client for providing advisory services. No information is applicable to this Item. Item 6 – Supervision The supervised person is monitored by the Chief Compliance Officer (CCO)/Authorized Compliance Officers and Chief Investment Advisory Principal through periodic sampling of archived emails, mandatory compliance meetings and ongoing review of marketing materials. Item 7 – Requirement for State Registered Advisors Registered Investment Advisors are required to disclose whether the supervised person has been involved in any events related or otherwise being found liable to arbitration claims alleging damages in excess of $2,500.00, civil or self-regulatory organization or administrative proceedings involving: investment or investment related activity, fraud, false statement (s) or omissions, theft, embezzlement, wrongful taking of property, bribery, forgery, counterfeiting, extortion, dishonest, unfair and unethical practices. No information is applicable to this Item. Registered Investment Advisors are required to disclose whether the supervised person has been the subject of a bankruptcy petition. No information is applicable to this item. 3 

IP Financial Advisory Services LLC: Form ADV, Part 2B John Doran Fairview Plaza Office Complex 5950 Fairview Road Suite 140 Charlotte, NC 28210 980-326-3335 www.ipfinancialservicesllc.com October 20, 2025 This Brochure provides information about the advisory personnel on whom you may rely for investment advice. Please contact IP FINANCIAL ADVISORY SERVICES LLC if you did not receive our Brochure (ADV Part 2A) or were not provided with information of where to access the ADV Part 2A, or if you have any questions about the contents of this supplement. Additional information about IP FINANCIAL ADVISORY SERVICES LLC or advisory personnel is available on the SEC’s website at www.advisorinfo.sec.gov. Advisory Personnel John Doran CRD#: 2387518 1  IP Financial Advisory Services LLC: Form ADV, Part 2B John Doran Item 2- Business Experience Investment Advisor Name: John Doran Year of Birth: 1951 Education: Slippery Rock State College Robert Morris College- BS Business Administration Business Background: IP Financial Advisory Services LLC– 10/2025 to Present – Investment Advisor Representative Innovation Partners LLC – 10/2021 – Present - Registered Representative Gale, West & Doran, Inc.- 06/1986-Present-CPA Item 3 – Disciplinary Information None Item 4 – Other Business Activities Mr. Doran is an agent with HD Vest Insurance Agency. He is paid for the sale of equity indexed annuities. Mr. Doran does not act in an investment advisory representative role when recommending these services. He devotes approximately 12 hours per month to this activity. Mr. Doran is President of James Enterprises. He is paid for real estate services (mortgage, title services, and appraisals). Mr. Doran does not act in an investment advisory representative role in this business. He devotes approximately 4 hours per month to this activity. Mr. Doran is President with J.A.Doran & amp Associates, Inc. He is paid for tax preparation and accounting services. Mr. Doran does not act in an investment advisory representative role in this business. He devotes approximately 80 hours per month to this activity. IP Financial Advisory Services LLC (IPFS LLC) is a registered investment advisory firm and is also a licensed Insurance agency. Our representatives are registered with IP FINANCIAL ADVISORY SERVICES LLC as investment advisor representative and may also be licensed insurance agents. IP FINANCIAL ADVISORY SERVICES LLC and our representatives, acting in capacity as insurance agents, will earn commission-based compensation for selling insurance products such as life, health, and long-term care products. Insurance commissions are separate from our advisory fees. This practice presents a conflict of interest where representatives providing investment advice on behalf of our firm and who are also insurance agents may have an incentive to recommend insurance products to clients for the purpose of generating commissions. In addition, IP FINANCIAL ADVISORY SERVICES LLC is a fiduciary and must act in the best interest of clients. Clients are under no obligation, contractually or otherwise, to purchase insurance products or any other products through IP FINANCIAL ADVISORY SERVICES LLC. IP FINANCIAL ADVISORY SERVICES LLC and our representatives may recommend that clients use a third-party investment advisor ("TPIA") based on their needs and suitability. Prior to referring clients to third party advisors IP FINANCIAL ADVISORY SERVICES LLC ensures that the third-party advisors are duly licensed, or notice filed with the Department of Corporations or other appropriate jurisdictions. IP FINANCIAL ADVISORY SERVICES LLC and our representatives may receive compensation from these TPIAs for recommending that clients use their services. This compensation generally takes the 2  IP Financial Advisory Services LLC: Form ADV, Part 2B John Doran form of the TPIA sharing a percentage of the advisory fee the client pays to them with IP FINANCIAL ADVISORY SERVICES LLC and the respective representative. These compensation arrangements present a conflict of interest because IP FINANCIAL ADVISORY SERVICES LLC and our representatives may have a financial incentive to recommend TPIAs that pay fees rather than those that don't. In addition, IP FINANCIAL ADVISORY SERVICES LLC and our representatives may have a conflict with referring clients to those TPIAs that pay higher fees over those that pay lower fees. Clients are not obligated, contractually or otherwise, to use the services of any TPIA that IP FINANCIAL ADVISORY SERVICES LLC or our representatives recommend. IP FINANCIAL ADVISORY SERVICES LLC provides actuarial and other consulting services. The fees for such services are separate and apart from the advisory fees charged by IP FINANCIAL ADVISORY SERVICES LLC. The actuarial and other consulting services that IP FINANCIAL ADVISORY SERVICES LLC provides include but are not limited to the following: • Actuarial Analysis • Stochastic Analysis • Risk Analysis • Charitable Lead Annuity Tax Planning • Structured Tax Planning • Income and Withdrawal Planning • Benefit and Compensation Planning • Life, Health, and Disability Analysis • Long Term Care Insurance Analysis • Supplemental Executive Retirement Planning • Estate and Gift Tax Planning • Charitable Planning • Business Succession Planning Item 5 – Additional Compensation Registered Investment Advisors are required to disclose if the supervised person received an economic benefit from someone who is not a client for providing advisory services. No information is applicable to this Item. Item 6 – Supervision The supervised person is monitored by the Chief Compliance Officer (CCO)/Authorized Compliance Officers and Chief Investment Advisory Principal through periodic sampling of archived emails, mandatory compliance meetings and ongoing review of marketing materials. Item 7 – Requirement for State Registered Advisors Registered Investment Advisors are required to disclose whether the supervised person has been involved in any events related or otherwise being found liable to arbitration claims alleging damages in excess of $2,500.00, civil or self-regulatory organization or administrative proceedings involving: investment or investment related activity, fraud, false statement (s) or omissions, theft, embezzlement, wrongful taking of property, bribery, forgery, counterfeiting, extortion, dishonest, unfair and unethical practices. No information is applicable to this Item. Registered Investment Advisors are required to disclose whether the supervised person has been the subject of a bankruptcy petition. No information is applicable to this item. 3