LANTZ FINANCIAL LLC

Item 1 – Cover Page Form ADV Part 2A Brochure Lantz Financial, LLC 1733 Park Street, Suite 350 Naperville, IL 60563 (331) 204-6230 www.lantzteam.com February 16, 2026 This Brochure provides information about the qualifications and business practices of Lantz Financial, LLC (Lantz Financial). If you have any questions about the contents of this Brochure, please contact us at (331) 204-6230. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Lantz Financial is a registered investment adviser. Registration as an investment adviser does not imply any level of skill or training. The oral and written communications of an adviser provide you with information from which you can determine whether to hire or retain an adviser. i       Item 2 – Material Changes This Brochure dated February 16, 2026, represents the annual amendment to the Brochure for Lantz Financial, LLC. Since the firm’s annual update Brochure dated February 10, 2025, we have made various minor updates but no material changes were made to the Brochure. Pursuant to SEC Rules, we will deliver to you a summary of any material changes to this and subsequent Brochures within 120 days of the close of our fiscal year. We may further provide other ongoing disclosure information about material changes as necessary. All such information will be provided to you free of charge. Currently, our Brochure may be requested by contacting us at (331) 204-6230. Additional information about Lantz Financial is also available via the SEC’s web site www.adviserinfo.sec.gov. The SEC’s web site also provides information about any persons affiliated with Lantz Financial who are registered as investment adviser representatives of the firm. ii       Item 3 - Table of Contents Item 1 – Cover Page ....................................................................................................................................... i Item 2 – Material Changes ............................................................................................................................ ii Item 3 - Table of Contents ........................................................................................................................... iii Item 4 – Advisory Business .......................................................................................................................... 1 Item 5 – Fees and Compensation .................................................................................................................. 2 Item 6 – Performance-Based Fees and Side-By-Side Management ............................................................. 5 Item 7 – Types of Clients .............................................................................................................................. 5 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ....................................................... 5 Item 9 – Disciplinary Information ................................................................................................................ 6 Item 10 – Other Financial Industry Activities and Affiliations .................................................................... 6 Item 11 – Code of Ethics .............................................................................................................................. 7 Item 12 – Brokerage Practices ...................................................................................................................... 8 Item 13 – Review of Accounts .................................................................................................................... 10 Item 14 – Client Referrals and Other Compensation .................................................................................. 10 Item 15 – Custody ....................................................................................................................................... 11 Item 16 – Investment Discretion ................................................................................................................. 11 Item 17 – Voting Client Securities .............................................................................................................. 12 Item 18 – Financial Information ................................................................................................................. 12 Brochure Supplement(s) iii       Item 4 – Advisory Business Lantz Financial, LLC (CRD # 297573) (Lantz Financial) is registered as an investment adviser with the Securities Exchange Commission. Lantz Financial is based in Illinois and is organized as a limited liability company under the laws of the State of Illinois. The firm was formed in 2018, has been registered as a registered investment adviser since 2018, and currently has 13 employees. Lantz Financial’s principal office and place of business is located at 1733 Park Street, Suite 350, Naperville, IL 60563. Regular business hours are Monday through Friday 8:30 am to 4:30 pm. The firm can be contacted by phone at (331) 204-6230. The firm is owned by Michael J. Lantz and Daniel B. Rohlfing. Kristin Crowley currently serves as Lantz Financial’s Chief Compliance Officer. Services Offered Lantz Financial provides ongoing discretionary and non-discretionary portfolio management services to individuals, families and businesses. When providing portfolio management services, the firm not only makes recommendations related to investments, but also implements these recommendations and provides ongoing monitoring and reporting. In some cases, the firm may delegate certain investment management responsibilities to outside managers under a sub- advisory arrangement. Clients may elect to give the firm discretion to make all decisions (discretionary management) or may prefer to approve all decisions before implementation (non- discretionary management). As of December 31, 2025, the firm managed $994,110,000 in assets, $945,777,752 of which was managed on a discretionary basis and $48,332,248 of which was managed on a non- discretionary basis. Lantz Financial also provides investment advisory services to individuals, families and businesses where the firm makes ongoing investment recommendations, but the client is responsible for determining whether or not to implement recommendations, and if they decide to do so, are responsible for actual implementation. Additionally, the firm provides project oriented and ongoing financial planning services to individuals and families where the firm offers advice or other strategic assistance in areas such as education funding, retirement planning, estate planning, risk management, employee benefits planning, tax planning, etc. When engaged to provide financial planning assistance, clients are responsible for determining whether or not to implement a recommendation, and if they decide to do so, are responsible for implementation. The details of an engagement vary on a case by 1       case basis depending on the complexity of the client’s financial situation. Generally, however, an engagement involves identification of goals and objectives, collection and analysis of data, formulation of a strategy, and preparation of a written plan. Lantz Financial also provides retirement plan services to businesses which may include plan level services such as discretionary management services, non-discretionary management services, and investment advisory services related to different types of retirement plans. When providing management services, the firm is responsible for implementing recommendations. When the firm is providing advisory services, the client is responsible for implementation of recommendations. General Information Regardless of the services provided, each is tailored to the individual needs of a particular client (whether an individual, a family, or a business) through an assessment conducted prior to an engagement. Clients may impose restrictions related to the level of discretion granted, the types of investments used, etc. Terms of an actual engagement, including description of service, limitations and restrictions, fees, etc., are all detailed before any engagement begins in a written client agreement. Because the firm is a registered investment adviser, we are required to meet certain fiduciary standards when providing investment advice to clients. Additionally, when we provide investment advice related to a retirement plan account or an individual retirement account, we are considered fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. As such, we are required to act in your best interest and not put our interest ahead of yours, even though our compensation creates some conflicts with your interests in that the more you have us manage, the more we can earn. Our clients however are under no obligation to use services recommended by our associated persons. Furthermore, we believe that our recommendations are in the best interests of our clients and are consistent with our clients’ needs. Item 5 – Fees and Compensation Investment Management Services Fees charged for discretionary and non-discretionary investment management services are negotiated prior to the engagement at a rate not to exceed 1.25% of assets under management. The firm may at its discretion require a minimum annual household fee of $1,000, and accounts 2       terminated within twelve months may at the firm’s discretion be subject to a $1,000 termination fee. The firm may also at its discretion charge separate ongoing fixed fees for supplemental advisory or planning services, but such fees will be disclosed in advance. Asset based investment management fees are generally calculated and charged quarterly in advance based on the quarter ending balance of assets under management at the end of the preceding quarter (i.e. the beginning of the quarter of service). Fees for partial quarters are prorated and adjusted based on the number of days assets are under management (e.g. new accounts, terminated accounts, cash inflows into an existing account, cash outflows from an existing account, etc.) Ongoing fixed fees for supplemental advisory and or planning services are generally charged monthly or quarterly in advance. Fees are generally deducted directly from client accounts, but clients may elect to alternatively pay fees by check. Services may be terminated at any time by either party with 30 days written notice to the other party, and fees will be prorated accordingly. Any payments made in advance will be prorated and any unearned portion will be refunded to the client subject to the notice provision above. All management fees paid to Lantz Financial are separate and unrelated to any fees or expenses assessed by mutual funds or exchange traded funds. Information pertaining to fund-generated fees and expenses can be found in mutual fund and exchange traded fund prospectuses. Management fees paid to Lantz Financial are also separate from any trade commission charged by an account custodian, although trade commissions may at times be paid by Lantz Financial at the firm’s discretion. Fees paid to outside managers under a sub-advisory arrangement are also separate and payable by Client, although such fees will be disclosed to Client in advance. Investment Advisory Services Fees charged for advisory services may be charged in advance or in arrears depending on the service provided. Fees are negotiated in advance, and generally range from .25% to 1.00% depending on the level of complexity of the engagement. Fee rates are based on actual services provided rather than being based solely on the level of assets managed as detailed above for investment management services. In some cases, fees may be deducted directly from client accounts, but clients generally are billed directly on a quarterly basis. Services may be terminated at any time by either party with 30 days written notice to the other party, and fees will be prorated accordingly. Any payments made in advance will be prorated and any unearned fees will be refunded to the client subject to the notice provision above. All advisory fees paid to Lantz Financial are separate and unrelated to any fees or expenses assessed by any broker, custodian, or other outside party. 3       Financial Planning Services Fees charged for financial planning services are quoted in advance and charged at a fixed amount or are quoted on an hourly basis. Quoted fixed fees will be based on the complexity and level of service provided on a case by case basis. Hourly fees will be estimated based on the complexity and level of service provided on a case by case basis. As mentioned above, services may include planning in areas such as education funding, retirement planning, estate planning, risk management, employee benefits planning, tax planning, etc. Since each of these areas can vary in complexity depending on the complexity of the client’s financial situation, cost will vary as well. Fees are negotiable depending on the circumstances of the engagement, location, etc. Fees are generally billed directly to the client in arrears, although a portion of which may be billed in advance. Services may be terminated at any time by either party with 30 days written notice to the other party, and fees will be prorated based on the degree to which services have been completed. Any payments made in advance will be prorated and any unearned fees will be refunded to the client subject to the notice provision above. All financial planning fees paid to Lantz Financial are separate and unrelated to any fees or expenses assessed by any broker, custodian, or other outside party. Retirement Plan Services Fees charged for retirement plan services may be charged in advance or in arrears depending on the service provided. Fees may be fixed or asset based (not to exceed 1.50% annually), and are negotiable depending on the complexity of the service. Fee levels (whether fixed or asset based) are primarily based on actual services to be provided. Fees may be deducted directly from client accounts on a quarterly basis, or clients may elect to alternatively pay fees by check or wire transfer. There is a minimum annual fee of $1,000 per plan. Services may be terminated at any time by either party with 30 days written notice to the other party, and fees will be prorated accordingly. Any payments made in advance will be prorated and any unearned fees will be refunded to the client subject to the notice provision above. All retirement plan fees paid to Lantz Financial are separate and unrelated to any fees or expenses assessed by any broker, custodian, or other outside party. 4       Item 6 – Performance-Based Fees and Side-By-Side Management Lantz Financial does not charge performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client), and consequently does not simultaneously manage performance based and non-performance based accounts. Item 7 – Types of Clients Lantz Financial provides services to individuals, businesses and retirement plans. For its services, Lantz Financial does not require a minimum dollar value in assets for establishing or maintaining a client’s account, but the firm reserves the right to decline engagements for various reasons including account size. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Lantz Financial’s general investment strategy, consistent with the tenets of modern portfolio theory, is to attempt to reduce risk and volatility by building globally diversified portfolios. To implement this strategy, Lantz Financial primarily uses fundamental security methods of analysis, as well as market trend and economic cycle analysis. While mutual funds and exchange traded funds are the primary investment vehicles used in or recommended for client accounts, we may also use or recommend various other investment vehicles in the implementation of our strategies, including long-term purchases (securities held at least a year), short-term purchases (securities sold within a year), trading (securities sold within 30 days), margin and options. Investing in securities involves risk of loss that clients should be prepared to bear. Such risks include market risk, interest rate risk, currency risk, and political risk, and loss of capital, among others. Additionally, certain trading strategies can affect investment performance through increased brokerage and other transactions. Each client’s propensity for risk however is thoroughly evaluated, documented, and considered throughout the portfolio implementation process. Although Lantz Financial intends to manage risk through the careful selection of investments, no investment strategy can assure a profit or avoid a loss. 5       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 the evaluation of the firm or the integrity of its management. Lantz Financial is currently not subject to, nor has ever been subject to, any legal or disciplinary events of a material nature. Item 10 – Other Financial Industry Activities and Affiliations Lantz Financial has an arrangement with DPL Financial Partners, LLC (“DPL”), who provides investment advisers a platform of insurance consultation services for a fixed annual fee. DPL offers members a variety of services relating to commission free insurance products, including analyses of methodology for evaluating client insurance needs, education regarding insurance products generally and specific insurance products, and access to, and marketing support for, certain commission free products. In addition to the annual fee mentioned above, DPL also receives volume based service fees from the insurers that offer their commission free products through the platform. Additionally, for Lantz Financial clients who provide written consent, our firm can be engaged to provide ongoing advisory services on a non-discretionary basis to DPL related to client holdings which may include a general review of client holdings, general investment advice, and specific recommendations on certain directly held annuity products. For our advisory services provided to DPL, our firm is compensated by DPL through a percentage of the overall assets under advisement, but our compensation does not result in added cost to our clients. While Lantz Financial will endeavor at all times to put the interest of clients first as part of its fiduciary duty, clients should be aware that the receipt of additional compensation creates a conflict of interest and may affect the judgment of individuals who make recommendations. We believe however that our recommendations are in the best interests of our clients and are consistent with our clients’ needs. Lantz Financial also has an arrangement with April Tax Solutions, Inc. (“April Tax”), a financial technology company that provides integrated tax platforms for wealth management and other financial services firms. Lantz Financial makes various levels of tax service available to clients through April Tax at a discounted cost or at no cost at the firm’s discretion depending on the engagement, the level of service needed, etc. Services can be structured for not only those who 6       want to prepare their own taxes but also for those who want their taxes prepared by a tax professional. Our clients are under no obligation to purchase products recommended by our associated persons or to purchase products through our associated persons and we recommend that they review insurance options with their attorney, accountant, or other applicable professional. Lantz Financial has no other financial industry activities or affiliation. Item 11 – Code of Ethics Code of Ethics Lantz Financial has adopted a Code of Ethics expressing the firm's commitment to ethical conduct. The Lantz Financial Code of Ethics describes the firm's fiduciary duties and responsibilities to clients, and details practices for reviewing the personal securities transactions of supervised persons with access to client information. The Code also requires compliance with applicable securities laws, addresses insider trading, and details possible disciplinary measures for violations. Lantz Financial will provide a complete copy of its Code of Ethics to any client upon request to the Chief Compliance Officer. Trading Conflicts of Interest Individuals associated with Lantz Financial are permitted to buy or sell securities for their personal accounts identical to or different than those recommended to clients. However, no person employed by Lantz Financial is allowed to favor his or her own interest over that of a client or make personal investment decisions based on the investment decisions of advisory clients. In order to address potential conflicts of interest, Lantz Financial requires that associated persons with access to advisory recommendations provide annual securities holdings reports and quarterly transaction reports to the firm's Managing Principal. Lantz Financial also requires prior approval from the Managing Principal for investing in any IPOs or private placements (limited offerings). 7       Item 12 – Brokerage Practices The Custodian and Brokers We Use We do not maintain possession of client assets. Instead, we require all client assets be maintained in an account at a non affiliated “qualified custodian,” generally a broker-dealer or bank. We are not affiliated with any particular custodian but instead all custodians are independently owned and operated. The custodian will hold your assets in a brokerage account and will be able to buy and sell securities on your behalf. While we may recommend that you use a particular custodian/broker, you will ultimately decide whether to do so and will open your account with the custodian/broker by entering into an account agreement directly with one of them. We cannot actually open accounts for you, but we can assist you in opening an account at whatever custodian/broker you decide to use. We may also manage accounts held by custodians which we have not recommended, such as a custodian for a 401(k) retirement plan participant account selected by the retirement plan sponsor, a custodian for an HSA (Health Savings Account) selected by the benefit plan sponsor, etc. How We Select Custodians and Brokers When recommending a custodian or broker for our clients, we consider many different factors including quality of service, types of services offered, overall capability, execution quality, competitiveness of transaction costs, availability of investment research, reputation of the firm, and financial resources, among other things. In determining the reasonableness of a broker’s compensation, we consider the overall cost to you relative to the benefits you receive, both directly and indirectly, from the broker. Your Brokerage and Custody Costs Our clients receive various services directly from our custodians. For our clients’ accounts that they maintain, the custodian generally does not charge separately for custody services but instead is compensated by charging commissions or other fees on trades that it executes or trades that are executed by other brokers to and from the custodial accounts. Fees applicable to our client accounts were negotiated based on the condition that our clients collectively maintain a certain level of assets at the custodian. We feel this commitment benefits you because we expect the overall rates you pay will be lower than they might be otherwise. Since custodians often charge clients a fee for each trade that we have executed by a different broker-dealer, we have the custodians execute most trades for your account in order to minimize your trading costs. 8       We have determined that having the custodians execute most trades is consistent with our duty to seek “best execution” of your trades. Best execution means seeking the most favorable terms for a transaction based on all relevant factors, including those listed above. Products and Services Available to Us from Brokers/Custodians The custodians provides us and our clients with access to its institutional brokerage services like trading, custody, reporting, and related services, many of which are not typically available to retail customers. The custodians also make available various support services, some of which may help us manage or administer our clients’ accounts, while others may help us manage and grow our business. Other institutional brokerage services which benefit you directly include access to a broad range of investment products, execution of securities transactions, and asset custody. The investment products available through the custodians include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. The custodians may also make available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both the custodians’ own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at the custodians. In addition to investment research, the custodians may also make available software and other technology that provide access to client account data, facilitates trade execution for multiple client accounts, provides pricing and other market data, facilitates payment of our fees from our clients’ accounts, and assists with back-office functions, recordkeeping, and client reporting. The custodians may also offer other services intended to help us manage and further develop our business. These services include educational conferences and events, consulting on technology, compliance, legal, and business needs, publications and conferences on practice management and business succession, and access to employee benefits providers, human capital consultants, and insurance providers. The availability of these services from the custodians benefit us because we do not have to produce or purchase them. Of course, this may give us an incentive to recommend that you maintain your account with a particular custodian based on our interests rather than yours, which is a potential conflict of interest. We believe, however, that our recommendation of a custodian is in the best interests of our clients, and is primarily supported by the scope, quality, and price of the custodian’s services and not the custodian’s services that benefit only us. 9       Aggregation of Transactions Lantz Financial may, from time to time, aggregate client orders into blocks in order to facilitate more efficient account management and execution. When aggregating orders, an average price is given to all participants in the block, or other measures are taken, in order to treat all accounts fairly. Item 13 – Review of Accounts Review of Accounts Accounts are generally reviewed on a weekly, monthly, quarterly, or semi-annual basis, depending on the type of account. Reviews may be general in nature, addressing investment objectives, risk tolerances or asset allocations, or they may be more detailed, depending on circumstances. The level of detail of the review is generally triggered by factors such as market, political, or economic conditions, or the client's individual financial situation. Clients should notify the firm of any material personal financial changes. Regular Reports Provided to Clients In addition to the monthly statements and confirmations of transaction that clients receive from the custodian, Lantz Financial may provide other reports directly to the client from time to time depending on the type of engagement. Investment management clients for example may receive periodic performance related reports. Financial planning clients may receive a planning analysis but do not receive regular reports from Lantz Financial. Lantz Financial urges clients to carefully review custodial statements and compare them to the reports which we may provide. Item 14 – Client Referrals and Other Compensation Lantz Financial may pay outside individuals, promoters or other professional entities to refer clients to us pursuant to a marketing or referral arrangement. Such agreements are structured to be in compliance with applicable securities laws. Each client is provided with a disclosure prior to or at the time of entering into any advisory contract which describes the specific compensation 10       arrangement. The advisory fee charged to clients will not increase however as a result of the referral arrangement. Lantz Financial does not receive any compensation or non-cash economic benefit for client referrals to other parties. Lantz Financial does however receive economic benefits from our custodian in the form of the support products and services that are made available to us and to other independent investment advisors. These products and services, how they benefit us, and the related conflicts of interest are described in Item 12 above. The firm may also on limited occasions receive travel expense reimbursements for industry meetings related to market analysis, investment strategies, and practice management. The availability to us of these economic benefits is not based on us giving particular investment advice, such as buying or recommending particular securities for our clients. Furthermore, our representatives are required to make all investment decisions and recommendations based solely on the interests of the applicable client. Item 15 – Custody As noted in Item 12, Lantz Financial requires that clients’ assets be held by a qualified custodian, whether recommended by us or at a client’s direction. Although we do not hold assets, we may have limited control in some instances to trade on your behalf, to deduct our advisory fees from your account with your authorization, or to request disbursements on your behalf (although various types of written authorizations are required depending on the type of disbursements). You will receive account statement directly from your custodian at least quarterly, which will be sent to the email or postal mailing address you provide. Lantz Financial urges clients to carefully review custodial statements and compare them to any account reports that we might provide. Item 16 – Investment Discretion Lantz Financial will accept discretionary authority to manage securities accounts on behalf of clients, although we will also accept non-discretionary accounts. When granted authority to manage accounts, Lantz Financial customarily has the authority to determine which securities and the amounts that are bought or sold. Any discretionary authority 11       accepted by Lantz Financial however is subject to the client’s risk profile and investment objectives and may be limited by various custodial platform restrictions or any other limitations provided by the client in writing. Lantz Financial will not exercise any discretionary authority until it has been given authority to do so in writing. Such authority is granted in the written agreement between Lantz Financial and the client, and in the written agreement with the third-party custodian. Item 17 – Voting Client Securities Lantz Financial does not vote proxies on behalf of clients. Item 18 – Financial Information Registered investment advisers are required in some cases to provide certain financial information and or disclosures about their financial condition. For example, if the firm requires prepayment of fees for six months in advance, has custody of client funds, or has a condition that is reasonably likely to impair its ability to meet its contractual commitments to its clients, it must provide financial information and make disclosures. Lantz Financial has no financial or operating conditions which trigger such additional reporting requirements. 12