KICKSTAND WEALTH ADVISORS

Kickstand Ventures, LLC Form ADV Part 2A - Brochure Effective: February 9, 2026 This brochure provides information about the qualifications and business practices of Kickstand Ventures, LLC. If you have any questions regarding the contents of this brochure, please contact our Chief Compliance Officer, Lonny Elfenbein by telephone at (513) 977-8330 or by email at lonny.elfenbein@dinsmorecomplianceservices.com. Kickstand Ventures, LLC is a registered investment advisor with the 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 through Kickstand Ventures, LLC to assist you in determining whether to retain the Advisor. Additional information about of Kickstand Ventures, LLC 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 with CRD# 327022. 1250 Pittsford Victor Rd., Bldg. 200, Suite 290 Pittsford, New York 14534 585-382-8600 https://kickstandwealth.com/  Item 2 – Material Changes Form ADV Part 2A requires registered investment advisers to amend their brochure when information becomes materially inaccurate. If there are any material changes to an adviser’s disclosure brochure, the adviser is required to notify you and provide you with a description of the material changes. There have been no material changes to Kickstand Ventures, LLC’s ADV Part 2A since our last annual update dated March 20, 2025. 2  Table of Contents Item 2 – Material Changes 2 Item 3 – Table of Contents 3 Item 4 – Advisory Services 4 Item 5 – Fees and Compensation 5 Item 6 – Performance-Based Fees and Side-By-Side Management 7 Item 7 – Types of Clients 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss 8 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 13 Item 12 – Brokerage Practices 13 Item 13 – Review of Accounts 16 Item 14 – Client Referrals and Other Compensation 17 Item 15 – Custody 17 Item 16 – Investment Discretion 17 Item 17 – Voting Client Securities 17 Item 18 – Financial Information 18 3  Item 4 – Advisory Services Firm Information Kickstand Ventures, LLC, doing business under the name Kickstand Wealth Advisors (“Kickstand Wealth Advisors” or the “Firm”) is a limited liability company established in the State of Delaware in June 2021. Kickstand Wealth Advisors is an investment advisory firm independently registered with the United States Securities and Exchange Commission (“SEC”) since June 2023. Kickstand Wealth Advisors is owned by Chad Goodchild and Jacob Schlicht. Advisory Services Offered Kickstand Wealth Advisors provides personalized financial planning and discretionary and non-discretionary investment advisory services to individuals, including high net worth individuals, and entities, including, but not limited to, family offices, trusts, estates, private foundations, and qualified retirement plans. Investment Management Services Kickstand Wealth Advisors offers investment management services on a discretionary basis and non- discretionary basis. All investment advice provided is customized to each client’s investment objectives and financial needs. The information provided by the client, together with any other information relating to the client’s overall financial circumstances, will be used by Kickstand Wealth Advisors to determine the appropriate portfolio asset allocation and investment strategy for the client. Comprehensive financial planning services also are provided as part of the delivery of investment management services. Depending upon individual client requirements, the comprehensive financial planning will include recommendations for retirement planning, educational planning, estate planning, tax planning and insurance needs and analysis. The securities utilized by Kickstand Wealth Advisors for investment in client accounts mainly consist of registered mutual funds and exchange traded funds (ETFs), but we will also invest in equity securities, corporate bonds, private funds/illiquid investments, REITS, interval funds and variable annuities, among others, if we determine such investments fit within a client’s objectives and are in the best interest of our clients. Kickstand Wealth Advisors may further recommend to clients that all or a portion of their investment portfolio be managed on a discretionary basis by one or more unaffiliated money managers or investment platforms (“External Managers”). The client may be required to enter into a separate agreement with the External Manager(s), which will set forth the terms and conditions of the client’s engagement of the External Manager. Kickstand Wealth Advisors generally renders services to the client relative to the discretionary selection of External Managers. Kickstand Wealth Advisors also assists in establishing the client’s investment objectives for the assets managed by External Managers, monitors and reviews the account performance and defines any restrictions on the account. The investment management fees charged by the designated External Managers, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, are exclusive of, and in addition to, the annual advisory fee charged by Kickstand Wealth Advisors. Investment Management Services to Retirement Plans Kickstand Wealth Advisors offers discretionary and non-discretionary advisory services to qualified plans, including 401k plans. These services include, depending upon the needs of the plan client, recommending, or for discretionary clients selecting, investment options for plans to offer to participants, ongoing monitoring of a plan’s investment options, assisting plan fiduciaries in creating and/or updating the plan’s written investment policy statements, working with plan service providers, and providing general investment 4  education to plan participants. Advisory Services to Brokerage Customers Kickstand Wealth Advisors provides investment advisory services to certain broker-dealers’ variable annuity customers (“Brokerage Customers”) who provide written consent requesting to receive the firm’s advisory services. Note for IRA and Retirement Plan Clients: When Kickstand Wealth Advisors provides investment advice to you regarding your retirement plan account or individual retirement account, Kickstand Wealth Advisors is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way Kickstand Wealth Advisors makes money creates some conflicts with your interests, so Kickstand Wealth Advisors operates under a special rule that requires Kickstand Wealth Advisors to act in your best interest and not put Kickstand Wealth Advisors’ interest ahead of yours. Client Tailored Advisory Services Clients may impose reasonable restrictions on the management of their accounts if Kickstand Wealth Advisors determines, in its sole discretion, that the conditions would not materially impact the performance of a management strategy or prove overly burdensome for Kickstand Wealth Advisors’ management efforts. Information Received From Clients Kickstand Wealth Advisors will not assume any responsibility for the accuracy, or the information provided by clients. Kickstand Wealth Advisors is not obligated to verify any information received from a client or other professionals (e.g., attorney, accountant) designated by a client, and Kickstand Wealth Advisors is expressly authorized by the client to rely on such information provided. Under all circumstances, clients are responsible for promptly notifying Kickstand Wealth Advisors in writing of any material changes to the client’s financial situation, investment objectives, time horizon, or risk tolerance. Assets Under Management As of January 27, 2026, the discretionary assets under management totaled approximately $595,014,586 and non-discretionary assets totaled approximately $38,459,629 for a total of $633,474,215 assets under management. These numbers are impacted not only by new or cancelled accounts, but also by daily fluctuations in the market value of the assets. Item 5 – Fees and Compensation Kickstand Wealth Advisors charges fees based on a percentage of assets under management. The specific fees charged by Kickstand Wealth Advisors for services provided will be set forth in each client’s Agreement. Investment Management Services Kickstand Wealth Advisors charges an annual advisory fee that is agreed upon with each client and set forth in an agreement executed by Kickstand Wealth Advisors and the client. The annual advisory fee ranges from 0.25% to 1.50%. The advisory fee for the initial month will be paid, on a pro rata basis, in arrears, based on the asset value of the client’s accounts as of the last business day of the initial month. For subsequent months, the advisory fee will be paid, in advance, based on the asset value of the client’s accounts as of the last business day of the preceding month as provided by third-party sources, such as pricing services, custodians, fund administrators, and client-provided sources. For retirement plans the valuation methodology and fee bill frequency may vary due to the requirements of the administrator for the plan 5  client. Notwithstanding the foregoing, Kickstand Wealth Advisors and the client may choose to negotiate an annual advisory fee that varies from the range set forth above. Factors upon which a different annual advisory fee may be based include, but are not limited to, the size and nature of the relationship, the services rendered, the nature and complexity of the products and investments involved, time commitments, and travel requirements. The advisory fee charged by the Firm will apply to all of the client’s assets under management, unless specifically excluded in the client agreement. The advisory fee includes the financial planning services described above. Although Kickstand Wealth Advisors believes that its fees are competitive, clients should understand that lower fees for comparable services may be available from other sources and firms. The investment advisory agreement between Kickstand Wealth Advisors and the client may be terminated at will by either Kickstand Wealth Advisors or the client upon written notice. Kickstand Wealth Advisors does not impose termination fees when the client terminates the investment advisory relationship, except when agreed upon in advance. Payment of Fees Kickstand Wealth Advisors generally deducts its advisory fee from a client’s investment account(s) held at his/her custodian. Upon engaging Kickstand Wealth Advisors to manage such account(s), a client grants Kickstand Wealth Advisors this limited authority through a written instruction to the custodian of his/her account(s). The client is responsible for verifying the accuracy of the calculation of the advisory fee; the custodian will not determine whether the fee is accurate or properly calculated. See Section A herewith for further information on fee billing. Although clients generally are required to have their investment advisory fees deducted from their accounts, in some cases, Kickstand Wealth Advisors will directly bill a client for investment advisory fees if it determines that such billing arrangement is appropriate given the circumstances. The custodian of the client’s accounts provides each client with a statement, at least quarterly, indicating separate line items for all amounts disbursed from the client's account(s), including any fees paid directly to Kickstand Wealth Advisors. Clients may make additions to and withdrawals from their account at any time, subject to Kickstand Wealth Advisors’ right to terminate an account. Additions may be in cash or securities provided that the Firm reserves the right to liquidate transferred securities or decline to accept particular securities into a client’s account. Clients may withdraw account assets at any time on notice to Kickstand Wealth Advisors, subject to the usual and customary securities settlement procedures. However, the Firm generally designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a client’s investment objectives. Kickstand Wealth Advisors may consult with its clients about the options and implications of transferring securities. Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, short-term redemption fees, fees assessed at the mutual fund level (e.g. contingent deferred sales charges) and/or tax ramifications Clients Responsible for Fees Charged by Financial Institutions and External Money Managers In connection with Kickstand Wealth Advisors’ management of an account, a client will incur fees and/or expenses separate from and in addition to Kickstand Wealth Advisors’ advisory fee. These additional fees may include transaction charges and the fees/expenses charged by any custodian, subadvisor, mutual fund, ETF, separate account manager (and the manager’s platform manager, if any), limited partnership, or other 6  advisor, transfer taxes, odd lot differentials, exchange fees, interest charges, ADR processing fees, and any charges, taxes or other fees mandated by any federal, state or other applicable law, retirement plan account fees (where applicable), margin interest, brokerage commissions, mark-ups or mark-downs and other transaction-related costs, electronic fund and wire fees, and any other fees that reasonably may be borne by a brokerage account. For External Managers, clients should review each manager’s Form ADV 2A disclosure brochure and any contract they sign with the External Manager (in a dual contract relationship). The client is responsible for all such fees and expenses. Please see Item 12 of this brochure regarding brokerage practices. Prepayment of Fees As noted in Item 5(B) above, Kickstand Wealth Advisors’ advisory fees generally are paid in advance. Upon the termination of a client’s advisory relationship, Kickstand Wealth Advisors will issue a refund equal to any unearned management fee for the remainder of the month. The client may specify how he/she would like such refund issued (i.e., a check sent directly to the client, or a check sent to the client’s custodian for deposit into his/her account). Outside Compensation for the Sale of Securities or Other Investment Products to Clients Kickstand Wealth Advisors does not buy or sell securities and does not receive any compensation for securities transactions in any client account, other than the investment advisory fees noted above. Advisory Services to Brokerage Customers Kickstand Wealth Advisors receives an advisory fee based on the Assets Under Management from Brokerage Customers who have provided written consent to a broker-dealer to receive the investment advisory service from Kickstand Wealth Advisors for Variable Annuities and have entered into a written advisory contract with Kickstand Wealth Advisors. The advisory fee is calculated in advance based on the value of the Assets Under Management from Brokerage Customers as of the end of the previous quarter. The maximum advisory fee will not exceed 1% annually. This advisory fee is paid by the broker-dealer in arrears and is not charged to the client separately. Securities Claims Class Action Litigation Kickstand Wealth Advisors has engaged a third-party service provider, Chicago Clearing Corporation (“CCC”), to monitor and file securities claims class action litigation paperwork with claims administrators on behalf of the Firm’s clients. Kickstand Wealth Advisors does not receive any fees or remuneration in connection with this service nor does it receive any fees from the third-party provider(s). CCC earns a fee based on a flat percentage of all claims it collects on behalf of Kickstand Wealth Advisors’ clients. This fee is collected and retained by CCC out of the claims paid by the claim administrator. Clients may opt out of this service at any time. If a client opts out, Kickstand Wealth Advisors does not have an obligation to advise or take any action on behalf of a client with regard to class action litigation involving investments held in or formerly held in a client’s account. Item 6 – Performance-Based Fees and Side-By-Side Management Kickstand Wealth Advisors does not charge performance-based fees or participate in side-by-side management. Performance-based fees are fees that are based on a share of capital gains or capital appreciation of a client’s account. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged performance-based fees. Kickstand Wealth Advisors’ fees are calculated as described in Item 5 above. 7  Item 7 – Types of Clients Kickstand Wealth Advisors offers investment advisory services to individuals, including high net worth individuals, families, family offices, trusts, businesses, charitable foundations, retirement/profit-sharing plans and broker-dealers. Kickstand Wealth Advisors generally imposes a minimum portfolio size or a minimum initial investment to open an account of $500,000. However, Kickstand Wealth Advisors does reserve the right to accept or decline a potential client for any reason in its sole discretion. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis A primary step in Kickstand Wealth Advisors’ investment strategy is getting to know the clients – to understand their financial condition, risk profile, investment goals, tax situation, liquidity constraints – and assemble a complete picture of their financial situation. To aid in this understanding, Kickstand Wealth Advisors offers clients financial planning that is highly customized and tailored. This comprehensive approach is integral to the way that Kickstand Wealth Advisors does business. Once Kickstand Wealth Advisors has a true understanding of its clients’ needs and goals, the investment process can begin, and the Firm can recommend strategies and investments that it believes are aligned with the client’s goals and risk profile. Kickstand Wealth Advisors primarily employs fundamental analysis methods in developing investment strategies for its clients. Research and analysis from Kickstand Wealth Advisors is based on numerous sources, including third-party research materials and publicly available materials, such as company annual reports, prospectuses, and press releases. Kickstand Wealth Advisors generally employs a long-term investment strategy for its clients, as consistent with their financial goals. At times, the Firm 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. Client portfolios with similar investment objectives and asset allocation goals may own different securities and investments. The client’s portfolio size, tax sensitivity, desire for simplicity, income needs, long-term wealth transfer objectives, time horizon and choice of custodian are all factors that influence Kickstand Wealth Advisors’ investment recommendations. Investing in securities involves a risk of loss. A client can lose all or a substantial portion of his/her investment. A client should be willing to bear such a loss. Some investments are intended only for sophisticated investors and can involve a high degree of risk. Material Risks Involved Investing in securities involves a significant risk of loss which clients should be prepared to bear. Kickstand Wealth Advisors’ investment recommendations are subject to various market, currency, economic, political and business risks, and such investment decisions will not always be profitable. Clients should be aware that there may be a loss or depreciation to the value of the client’s account. There can be no assurance that the client’s investment objectives will be obtained and no inference to the contrary should be made. Generally, the market value of equity stocks will fluctuate with market conditions, and small-stock prices generally will fluctuate more than large-stock prices. The market value of fixed income securities will generally fluctuate inversely with interest rates and other market conditions prior to maturity. Fixed income securities are obligations of the issuer to make payments of principal and/or interest on future dates, and 8  include, among other securities: bonds, notes and debentures issued by corporations; debt securities issued or guaranteed by the U.S. government or one of its agencies or instrumentalities, or by a non-U.S. government or one of its agencies or instrumentalities; municipal securities; and mortgage-backed and asset- backed securities. These securities may pay fixed, variable, or floating rates of interest, and may include zero coupon obligations and inflation-linked fixed income securities. The value of longer duration fixed income securities will generally fluctuate more than shorter duration fixed income securities. Investments in overseas markets also pose special risks, including currency fluctuation and political risks, and it may be more volatile than that of a U.S. only investment. Such risks are generally intensified for investments in emerging markets. In addition, there is no assurance that a mutual fund or ETF will achieve its investment objective. Past performance of investments is no guarantee of future results. Additional risks involved in the securities recommended by Kickstand Wealth Advisors include, among others: • Stock market risk, which is the chance that stock prices overall will decline. The market value of equity securities will generally fluctuate with market conditions. Stock markets tend to move in cycles, with periods of rising prices and periods of falling prices. Prices of equity securities tend to fluctuate over the short term as a result of factors affecting the individual companies, industries or the securities market as a whole. Equity securities generally have greater price volatility than fixed income securities. • • Sector risk, which is the chance that significant problems will affect a particular sector, or that returns from that sector will trail returns from the overall stock market. Daily fluctuations in specific market sectors are often more extreme than fluctuations in the overall market. Issuer risk, which is the risk that the value of a security will decline for reasons directly related to the issuer, such as management performance, financial leverage, and reduced demand for the issuer's goods or services. • Non-diversification risk, which is the risk of focusing investments in a small number of issuers, industries or foreign currencies, including being more susceptible to risks associated with a single economic, political or regulatory occurrence than a more diversified portfolio might be. • Value investing risk, which is the risk that value stocks do not increase in price, not issue the anticipated stock dividends, or decline in price, either because the market fails to recognize the stock’s intrinsic value, or because the expected value was misgauged. If the market does not recognize that the securities are undervalued, the prices of those securities might not appreciate as anticipated. They also may decline in price even though in theory they are already undervalued. Value stocks are typically less volatile than growth stocks but may lag behind growth stocks in an up market. • Smaller company risk, which is the risk that the value of securities issued by a smaller company will go • up or down, sometimes rapidly and unpredictably as compared to more widely held securities. Investments in smaller companies are subject to greater levels of credit, market and issuer risk. • Foreign (non-U.S.) investment risk, which is the risk that investing in foreign securities result in the portfolio experiencing more rapid and extreme changes in value than a portfolio that invests exclusively in securities of U.S. companies. Risks associated with investing in foreign securities include fluctuations in the exchange rates of foreign currencies that may affect the U.S. dollar value of a security, the possibility of substantial price volatility as a result of political and economic instability in the foreign country, less public information about issuers of securities, different securities regulation, different accounting, auditing and financial reporting standards and less liquidity than in the U.S. markets. Interest rate risk, which is the chance that prices of fixed income securities decline because of rising interest rates. Similarly, the income from fixed income securities may decline because of falling interest rates. • Credit risk, which is the chance that an issuer of a fixed income security will fail to pay interest and principal in a timely manner, or that negative perceptions of the issuer’s ability to make such payments will cause the price of that fixed income security to decline. • Exchange Traded Fund (ETF) risk, which is the risk of an investment in an ETF, including the possible 9  loss of principal. ETFs typically trade on a securities exchange and the prices of their shares fluctuate throughout the day based on supply and demand, which may not correlate to their net asset values. Although ETF shares will be listed on an exchange, there can be no guarantee that an active trading market will develop or continue. Owning an ETF generally reflects the risks of owning the underlying securities it is designed to track. ETFs are also subject to secondary market trading risks. In addition, an ETF may not replicate exactly the performance of the index it seeks to track for a number of reasons, including transaction costs incurred by the ETF, the temporary unavailability of certain securities in the secondary market, or discrepancies between the ETF and the index with respect to weighting of securities or number of securities held. • Management risk, which is the risk that the investment techniques and risk analyses applied by Kickstand Wealth Advisors may not produce the desired results and that legislative, regulatory, or tax developments, affect the investment techniques available to Kickstand Wealth Advisors. There is no guarantee that a client’s investment objectives will be achieved. • Real Estate risk, which is the risk that an investor’s investments in Real Estate Investment Trusts • (“REITs”) or real estate-linked derivative instruments will subject the investor to risks similar to those associated with direct ownership of real estate, including losses from casualty or condemnation, and changes in local and general economic conditions, supply and demand, interest rates, zoning laws, regulatory limitations on rents, property taxes and operating expenses. An investment in REITs or real estate-linked derivative instruments subject the investor to management and tax risks. Investment Companies (“Mutual Funds”) risk, when an investor invests in mutual funds, the investor will bear additional expenses based on his/her pro rata share of the mutual fund’s operating expenses, including the management fees. The risk of owning a mutual fund generally reflects the risks of owning the underlying investments the mutual fund holds. • Commodity risk, generally commodity prices fluctuate for many reasons, including changes in market and economic conditions or political circumstances (especially of key energy-producing and consuming countries), the impact of weather on demand, levels of domestic production and imported commodities, energy conservation, domestic and foreign governmental regulation (agricultural, trade, fiscal, monetary and exchange control), international politics, policies of OPEC, taxation and the availability of local, intrastate and interstate transportation systems and the emotions of the marketplace. The risk of loss in trading commodities can be substantial. • Cybersecurity risk, which is the risk related to unauthorized access to the systems and networks of Kickstand Wealth Advisors and its service providers. The computer systems, networks and devices used by Kickstand Wealth Advisors and service providers to us and our clients to carry out routine business operations employ a variety of protections designed to prevent damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltration by unauthorized persons and security breaches. Despite the various protections utilized, systems, networks or devices potentially can be breached. A client could be negatively impacted as a result of a cybersecurity breach. Cybersecurity breaches can include unauthorized access to systems, networks or devices; infection from computer viruses or other malicious software code; and attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality. Cybersecurity breaches cause disruptions and impact business operations, potentially resulting in financial losses to a client; impediments to trading; the inability by us and other service providers to transact business; violations of applicable privacy and other laws; regulatory fines, penalties, reputational damage, reimbursement or other compensation costs, or other compliance costs; as well as the inadvertent release of confidential information. Similar adverse consequences could result from cybersecurity breaches affecting issues of securities in which a client invests; governmental and other regulatory authorities; exchange and other financial market operators, banks, brokers, dealers and other financial institutions; and other parties. In addition, substantial costs may be incurred by those entities in order to prevent any cybersecurity breaches in the future. • Alternative Investments / Private Funds risk, investing in alternative investments is speculative, not suitable for all clients, and intended for experienced and sophisticated investors who are willing to bear the high economic risks of the investment, which can include: 10  • • loss of all or a substantial portion of the investment due to leveraging, short-selling or other speculative investment practices; lack of liquidity in that there may be no secondary market for the investment, and none expected to develop; volatility of returns; restrictions on transferring interests in the investment; • • • potential lack of diversification and resulting higher risk due to concentration of trading authority when a single adviser is utilized; • absence of information regarding valuations and pricing; • delays in tax reporting; • • less regulation and higher fees than mutual funds; risks associated with the operations, personnel, and processes of the manager of the funds investing in alternative investments. Closed-End Funds risk, Closed-end funds typically use a high degree of leverage. They may be diversified or non-diversified. Risks associated with closed-end fund investments include liquidity risk, credit risk, volatility and the risk of magnified losses resulting from the use of leverage. Additionally, closed-end funds may trade below their net asset value. In addition, closed-end funds that are interval funds limit liquidity to investors to stated intervals – typically quarterly, semi-annually or annually. There is no guarantee that a client will be able to redeem shares during a given redemption period. Structured Notes risks: • Complexity. Structured notes are complex financial instruments. Clients should understand the reference asset(s) or index(es) and determine how the note’s payoff structure incorporates such reference asset(s) or index(es) in calculating the note’s performance. This payoff calculation may include leverage multiplied on the performance of the reference asset or index, protection from losses should the reference asset or index produce negative returns, and fees. Structured notes may have complicated payoff structures that can make it difficult for clients to accurately assess their value, risk and potential for growth through the term of the structured note. Determining the performance of each note can be complex and this calculation can vary significantly from note to note depending on the structure. Notes can be structured in a wide variety of ways. Payoff structures can be leveraged, inverse, or inverse-leveraged, which may result in larger returns or losses. Clients should carefully read the prospectus for a structured note to fully understand how the payoff on a note will be calculated and discuss these issues with Kickstand Wealth Advisors. • • Market risk. Some structured notes provide for the repayment of principal at maturity, which is often referred to as “principal protection.” This principal protection is subject to the credit risk of the issuing financial institution. Many structured notes do not offer this feature. For structured notes that do not offer principal protection, the performance of the linked asset or index may cause clients to lose some, or all, of their principal. Depending on the nature of the linked asset or index, the market risk of the structured note may include changes in equity or commodity prices, changes in interest rates or foreign exchange rates, and/or market volatility. Issuance price and note value. The price of a structured note at issuance will likely be higher than the fair value of the structured note on the date of issuance. Issuers now generally disclose an estimated value of the structured note on the cover page of the offering prospectus, allowing investors to gauge the difference between the issuer’s estimated value of the note and the issuance price. The estimated value of the notes is likely lower than the issuance price of the 11  note to investors because issuers include the costs for selling, structuring and/or hedging the exposure on the note in the initial price of their notes. After issuance, structured notes may not be re-sold on a daily basis and thus may be difficult to value given their complexity. • Liquidity. The ability to trade or sell structured notes in a secondary market is often very limited, as structured notes (other than exchange-traded notes known as ETNs) are not listed for trading on securities exchanges. As a result, the only potential buyer for a structured note may be the issuing financial institution’s broker-dealer affiliate or the broker-dealer distributor of the structured note. In addition, issuers often specifically disclaim their intention to repurchase or make markets in the notes they issue. Clients should, therefore, be prepared to hold a structured note to its maturity date, or risk selling the note at a discount to its value at the time of sale. Credit risk, Structured notes are unsecured debt obligations of the issuer, meaning that the issuer is obligated to make payments on the notes as promised. These promises, including any principal protection, are only as good as the financial health of the structured note issuer. If the structured note issuer defaults on these obligations, investors may lose some, or all, of the principal amount they invested in the structured notes as well as any other payments that may be due on the structured notes. Clients are advised that they should only commit assets for management that can be invested for the long term, that volatility from investing can occur, and that all investing is subject to risk. Kickstand Wealth Advisors does not guarantee the future performance of a client’s portfolio, as investing in securities involves the risk of loss that clients should be prepared to bear. Past performance of a security or a fund is not necessarily indicative of future performance or risk of loss. Use of External Managers Kickstand Wealth Advisors may select certain External Managers to manage a portion of its clients’ assets. In these situations, the success of such recommendations relies to a great extent on the External Managers’ ability to successfully implement their investment strategies. In addition, Kickstand Wealth Advisors generally may not have the ability to supervise the External Managers on a day-to-day basis. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to a client’s evaluation of the adviser and the integrity of the adviser’s management. Kickstand Wealth Advisors has no information applicable to this Item. Item 10 – Other Financial Industry Activities and Affiliations Kickstand Wealth Advisors may recommend that clients use External Managers based on clients’ needs and suitability. Kickstand Wealth Advisors does not receive separate compensation, directly or indirectly, from such External Managers for recommending that clients use their services. Kickstand Wealth Advisors does not have any other business relationships with the recommended External Managers. Advisory Services to Brokerage Customers Kickstand Wealth Advisors has agreement(s) with broker-dealers to provide investment advisory services to Brokerage Customers for Variable Annuity holdings. Broker-dealers pay compensation to Kickstand Wealth 12  Advisors for providing investment advisory services to Customers. Brokerage Customers will execute a written advisory agreement directly with Kickstand Wealth Advisors. This relationship presents conflicts of interest. Potential conflicts are mitigated by Brokerage Customers consenting to receive investment advisory services from Kickstand Wealth Advisors; by Kickstand Wealth Advisors not accepting or billing for additional compensation on broker-dealers’ Assets Under Management beyond the advisory fees disclosed in Item 5; and by Kickstand Wealth Advisors not engaging as, or holding itself out to the public as, a securities broker-dealer. Kickstand Wealth Advisors is not affiliated with any broker-dealer. Item 11 - Ethics, Participation or Interest in Client Transactions Description of Code of Ethics Kickstand Wealth Advisors has a Code of Ethics (the “Code”) which requires Kickstand Wealth Advisors’ employees (“supervised persons”) to comply with their legal obligations and fulfill the fiduciary duties owed to the Firm’s clients. Among other things, the Code of Ethics sets forth policies and procedures related to conflicts of interest, outside business activities, gifts and entertainment, compliance with insider trading laws and policies and procedures governing personal securities trading by supervised persons. Personal securities transactions of supervised persons present potential conflicts of interest with the price obtained in client securities transactions or the investment opportunity available to clients. The Code addresses these potential conflicts by prohibiting securities trades that would breach a fiduciary duty to a client and requiring, with certain exceptions, supervised persons to report their personal securities holdings and transactions to Kickstand Wealth Advisors for review by the Firm’s Chief Compliance Officer. The Code also requires supervised persons to obtain pre-approval of certain investments, including initial public offerings and limited offerings. Kickstand Wealth Advisors will provide a copy of the Code of Ethics to any client or prospective client upon request. Item 12 – Brokerage Practices Factors Used to Select Custodians and/or Broker-Dealers Kickstand Wealth Advisors generally recommends that its investment management clients utilize the custody and brokerage services of an unaffiliated broker/dealer custodians (a “BD/Custodian”) with which Kickstand Wealth Advisors has an institutional relationship. Currently, this includes Charles Schwab & Co., Inc. (“Schwab”), which is a “qualified custodian” as that term is described in Rule 206(4)-2 of the Advisers Act. Each BD/Custodian provides custody of securities, trade execution, and clearance and settlement of transactions placed on behalf of clients by Kickstand Wealth Advisors. If your accounts are custodied at Schwab, Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. Clients will pay fees to Schwab for custody and the execution of securities transactions in their accounts. In making BD/Custodian recommendations, Kickstand Wealth Advisors will consider a number of judgmental factors, including, without limitation: 1) clearance and settlement capabilities; 2) quality of confirmations and account statements; 3) the ability of the BD/Custodian to settle the trade promptly and accurately; 4) the financial standing, reputation and integrity of the BD/Custodian; 5) the BD/Custodian’s access to markets, research capabilities, market knowledge, and any “value added” characteristics; 6) Kickstand Wealth 13  Advisors’ past experience with the BD/Custodian; and 7) Kickstand Wealth Advisors’ past experience with similar trades. Recognizing the value of these factors, clients may pay a brokerage commission in excess of that which another broker might have charged for effecting the same transaction. In exchange for using the services of Schwab, Kickstand Wealth Advisors may receive, without cost, computer software and related systems support that allows Kickstand Wealth Advisors to monitor and service its clients’ accounts maintained with Schwab. Schwab also makes available to the Firm products and services that benefit the Firm but may not directly benefit the client or the client’s account. These products and services assist Kickstand Wealth Advisors in managing and administering client accounts. They include investment research, both Schwab’s own and that of third parties. Kickstand Wealth Advisors may use this research to service all or some substantial number of client accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: • provide access to client account data (such as duplicate trade confirmations and account statements); facilitate trade execution and allocate aggregated trade orders for multiple client accounts; • • provide pricing and other market data; facilitate payment of our fees from our clients’ accounts; and • • assist with back-office functions, recordkeeping, and client reporting. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: • educational conferences and events; technology, compliance, legal, and business consulting; • • publications and conferences on practice management and business succession; and • access to employee benefits providers, human capital consultants, and insurance providers. Schwab may provide some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to the Firm. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Schwab may also provide the Firm with other benefits such as occasional business entertainment of Firm personnel. The benefits received by Kickstand Wealth Advisors through its participation in the Schwab custodial platform do not depend on the amount of brokerage transactions directed to Schwab. In addition, there is no corresponding commitment made by Kickstand Wealth Advisors to Schwab to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as a result of participation in the program. While as a fiduciary, we endeavor to act in our clients’ best interests, our recommendation that clients maintain their assets in accounts at Schwab will be based in part on the benefit to Kickstand Wealth Advisors of the availability of some of the foregoing products and services and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab. The receipt of these benefits creates a potential conflict of interest and may indirectly influence Kickstand Wealth Advisors’ choice of Schwab for custody and brokerage services. Kickstand Wealth Advisors will periodically review its arrangements with the BD/Custodians and other broker- dealers against other possible arrangements in the marketplace as it strives to achieve best execution on 14  behalf of its clients. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker-dealer’s services, including, but not limited to, the following: • a broker-dealer’s trading expertise, including its ability to complete trades, execute and settle difficult trades, obtain liquidity to minimize market impact and accommodate unusual market conditions, maintain anonymity, and account for its trade errors and correct them in a satisfactory manner; infrastructure, including order-entry systems, adequate • a broker-dealer’s lines of communication, timely order execution reports, an efficient and accurate clearance and settlement process, and capacity to accommodate unusual trading volume; • a broker-dealer’s ability to minimize total trading costs while maintaining its financial health, such as whether a broker-dealer can maintain and commit adequate capital when necessary to complete trades, respond during volatile market periods, and minimize the number of incomplete trades; • a broker-dealer’s ability to provide research and execution services, including advice as to the value or advisability of investing in or selling securities, analyses and reports concerning such matters as companies, industries, economic trends and political factors, or services incidental to executing securities trades, including clearance, settlement and custody; and • a broker-dealer’s ability to provide services to accommodate special transaction needs, such as the broker-dealer’s ability to execute and account for client-directed arrangements and soft dollar arrangements, participate in underwriting syndicates, and obtain initial public offering shares. Brokerage for Client Referrals Kickstand Wealth Advisors does not select or recommend BD/Custodians based on whether or not it may receive client referrals from a BD/Custodian or third party. Client Directed Brokerage Generally, in the absence of specific instructions to the contrary, for brokerage accounts that clients engage Kickstand Wealth Advisors to manage on a discretionary basis, Kickstand Wealth Advisors has full discretion with respect to securities transactions placed in the accounts. This discretion includes the authority, without prior notice to the client, to buy and sell securities for the client’s account and establish and affect securities transactions through the BD/Custodian of the client’s account or other broker-dealers selected by Kickstand Wealth Advisors. In selecting a broker-dealer to execute a client’s securities transactions, Kickstand Wealth Advisors seeks prompt execution of orders at favorable prices. As noted above, Kickstand Wealth Advisors utilizes Schwab for custodial and execution services for client accounts. Kickstand Wealth Advisors does not accept client direction for the utilization of any other broker-dealer or custodian for the provision of custodial and execution services for client accounts. Trade Errors Kickstand Wealth Advisors’ goal is to execute trades seamlessly and in the best interests of the client. In the event a trade error occurs, Kickstand Wealth Advisors endeavors to identify the error in a timely manner, correct the error so that the client’s account is in the position it would have been had the error not occurred, 15  and, after evaluating the error, assess what action(s) might be necessary to prevent a recurrence of similar errors in the future. Trade errors generally are corrected through the use of a “trade error” account or similar account at Schwab, or another BD, as the case may be. In the event an error is made in a client account custodied elsewhere, Kickstand Wealth Advisors works directly with the broker in question to take corrective action. In all cases, Kickstand Wealth Advisors will take the appropriate measures to return the client’s account to its intended position. Trade Aggregation To the extent that the Firm determines to aggregate client orders for the purchase or sale of securities, including securities in which the Firm’s supervised persons may invest, the Firm will generally do so in a fair equitable manner in accordance with applicable rules promulgated under the Advisers Act and guidance provided by the staff of the SEC and consistent with policies and procedures established by the Firm. Item 13 – Review of Accounts Periodic Reviews While investment management accounts are monitored on an ongoing basis, Kickstand Wealth Advisors’ investment adviser representatives seek to have at least one annual meeting with each client to conduct a formal review of the clients’ accounts. Accounts are reviewed for consistency with the investment strategy and other parameters set forth for the account and to determine if any adjustments need to be made. Other Reviews and Triggering Factors In addition to the periodic reviews described above, reviews may be triggered by changes in an account holder’s personal, tax or financial status. Other events that may trigger a review of an account are material changes in market conditions as well as macroeconomic and company-specific events. Clients are encouraged to notify Kickstand Wealth Advisors of any changes in his/her personal financial situation that might affect his/her investment needs, objectives, or time horizon. Regular Reports Written brokerage statements are generated no less than quarterly and are sent directly from the qualified custodian. These reports list the account positions, activity in the account over the covered period, and other related information. Clients are also sent confirmations following each brokerage account transaction unless confirmations have been waived. Kickstand Wealth Advisors may also determine to provide account statements and other reporting to clients on a periodic basis. Kickstand Wealth Advisors also provides account reports during client meetings. Clients are urged to carefully review all custodial account statements and compare them to any statements and reports provided by Kickstand Wealth Advisors. Kickstand Wealth Advisors statements and reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. 16  Item 14 – Client Referrals and Other Compensation Economic Benefits Provided by Third Parties for Advice Rendered to Clients Kickstand Wealth Advisors does not receive benefits from third parties for providing investment advice to clients. Compensation to Non-Supervised Persons for Client Referrals Kickstand Wealth Advisors does not enter into agreements with individuals or organizations for the referral of clients. Item 15 – Custody All clients must utilize a “qualified custodian” as detailed in Item 12. Clients are required to engage the custodian to retain their funds and securities and direct Kickstand Wealth Advisors to utilize the custodian for the client’s securities transactions. Kickstand Wealth Advisors’ agreement with clients and/or the clients’ separate agreements with the B/D Custodian may authorize Kickstand Wealth Advisors through such BD/Custodian to debit the clients’ accounts for the amount of Kickstand Wealth Advisors’ fee and to directly remit that fee to Kickstand Wealth Advisors in accordance with applicable custody rules. The BD/Custodian recommended by Kickstand Wealth Advisors has agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account including the amount of management fees paid directly to Kickstand Wealth Advisors. Kickstand Wealth Advisors encourages clients to review the official statements provided by the custodian, and to compare such statements with any reports or other statements received from Kickstand Wealth Advisors. For more information about custodians and brokerage practices, see “Item 12 - Brokerage Practices.” Item 16 – Investment Discretion Clients have the option of providing Kickstand Wealth Advisors with investment discretion on their behalf, pursuant to a grant of a limited power of attorney contained in Kickstand Wealth Advisors’ client agreement. By granting Kickstand Wealth Advisors investment discretion, a client authorizes Kickstand Wealth Advisors to direct securities transactions and determine which securities are bought and sold, the total amount to be bought and sold, and the costs at which the transactions will be affected. Clients may impose reasonable limitations in the form of specific constraints on any of these areas of discretion with the consent and written acknowledgement of Kickstand Wealth Advisors if Kickstand Wealth Advisors determines, in its sole discretion, that the conditions would not materially impact the performance of a management strategy or prove overly burdensome for Kickstand Wealth Advisors. See also Item 4(C), Client-Tailored Advisory Services. Item 17 – Voting Client Securities Kickstand Wealth Advisors does not accept the authority to and does not vote proxies on behalf of clients. Clients retain the responsibility for receiving and voting proxies for all and any securities maintained in client portfolios. 17  Item 18 – Financial Information Kickstand Wealth Advisors is not required to disclose any financial information pursuant to this item due to the following: a) Kickstand Wealth Advisors does not require or solicit the prepayment of more than $1,200 in fees six months or more in advance of rendering services; b) Kickstand Wealth Advisors is unaware of any financial condition that is reasonably likely to impair its ability to meet its contractual commitments relating to its discretionary authority over certain client accounts; and c) Kickstand Wealth Advisors has never been the subject of a bankruptcy petition. 18