LUESINK STENSTROM FINANCIAL

Item 1: Cover Page FORM ADV Part 2A March 30, 2026 Luesink Stenstrom Financial 475 Park Avenue South, Suite 2100 New York, NY 10016 Phone: 212-405-1609 Email: Info@LuesinkStenstrom.com www.LuesinkStenstrom.com This brochure provides information about the qualifications and business practices of Luesink Stenstrom Financial, LLC. If you have any questions about the contents of this brochure, please contact us at 212-405-1609, or by email at info@LuesinkStenstrom.com. 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. Being a registered investment advisor does not imply a certain level of skill or training. Additional information about Luesink Stenstrom Financial is available on the SEC’s website at www.adviserinfo.sec.gov. 1  Item 2. Material Changes Since the filing of the last annual updating amendment on May 20, 2025, there are no material changes. 2  Item 3. Table of Contents Contents Item 1: Cover Page ............................................................................................................................... 1 Material Changes ...................................................................................................................... 2 Item 2. Item 3. Table of Contents……………………………………………………………………… ……………3 Item 4. Advisory Business .................................................................................................................... 4 Firm Description and Owners ............................................................................................................. 4 Types of Advisory Services ................................................................................................................ 4 Financial Planning............................................................................................................................... 4 Wealth Management ........................................................................................................................... 4 Transition Planning ............................................................................................................................. 4 Item 5. Fees and Compensation ........................................................................................................... 6 Miscellaneous ..................................................................................................................................... 7 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 ........................................................................................................... 10 Item 10. Other Financial Industry Activities and Affiliations .................................................................. 10 Item 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. ......... 11 Code of Ethics ................................................................................................................................... 11 Interest in Client Transactions and Personal Trading ....................................................................... 11 Item 12. Brokerage Practices ................................................................................................................ 11 Item 13. Review of Accounts................................................................................................................. 12 Item 14. Client Referrals and Other Compensation .............................................................................. 12 Item 15. Custody ................................................................................................................................... 12 Item 16. Investment Discretion ............................................................................................................. 13 Item 17. Voting Client Securities........................................................................................................... 13 Item 18. Financial Information .............................................................................................................. 13 Financial Information ........................................................................................................................ 13 3  Item 4. Advisory Business Firm Description and Owners Luesink Financial Planning LLC (LFP) was established in 2008. In June of 2014, Clare Stenstrom joined the firm and the name was changed to Luesink Stenstrom Financial (LSF). The principal owners are Anja Luesink and Clare Stenstrom. LSF provides holistic financial life planning, financial transition planning and investment management services, customized to meet the client's needs. Types of Advisory Services and Customization Financial Planning Luesink Stenstrom Financial prepares a holistic financial plan for each client, holistic’ meaning that the analysis takes into consideration multiple financial concerns together at the same time instead of looking at the parts individually. Upon client request, the analysis may include but is not limited to cash flow analysis, retirement planning, insurance, tax planning, college planning, estate planning and investment analysis and recommendations. The financial plan is a strategy for accomplishing the client’s goals that is implemented and monitored overtime. The scope and nature of service to be provided are described below: 1. Discovery A thoughtful discovery dialog and process to understand your goals around which we build the financial plan. 2. Review and evaluation We will review and analyze financial information furnished to us in the Confidential Financial Planning Questionnaire, your on-line Financial Profile and documents provided. 3. Written plan Based on our review, we will prepare an analysis. We will also prepare, in writing, specific recommendations that will seek to address your concerns. Our recommendations will include general strategies based on our analysis of your circumstances. Where appropriate, we will include financial illustrations and projections for greater understanding of the potential outcomes of the alternatives. 4. Implementation We can assist you in implementing the strategies you have agreed to and approved. We can assist you investing your money or provide ongoing asset management. We work closely together with your other advisors to make sure that we are providing the highest level of coordinated, professional advice to you. We will be available on an ongoing basis, by telephone or in person, to answer questions, to assist you or your other advisers to take the necessary actions, and to make recommendations regarding these matters. We will bill separately for any such additional services provided, based upon time expended at our standard hourly rates or we will charge a retainer fee agreed upon after plan presentation. Alternatively, you may choose to do the implementation of our recommendations yourself. Transition Planning When life changes, money changes, and when money changes life changes. ™ Sudden change in your financial situation can be a life-altering event. Some of these events are planned for, such as retirement, the sale of a business or an anticipated inheritance. Other types of events many come out of the blue – like winning the lottery, divorce or the death of a spouse. These life transition events vary widely, some joyous and others very sad. No matter the reason or the event, you now face a major change in your life. Obviously transition means change. When life changes, money changes, and when 4  money changes life changes. But the most important part of managing change isn’t the money. People in transition may gravitate toward the money—the numbers—because they are concrete and easily definable. But in most instances, the numbers are farther down the priority list than people think. Transition Planning recognizes that there are two sides to money: the personal side and the technical side. The tendency for many people when facing a transition is to try to move quickly from the end of one situation to what we call the New Normal. That would be nice, but it is a misconception to believe that life works in that way. There are distinct stages in most transitions from ‘a life that was’ to ‘what will be’. In the Passage there is a lot of confusion and stress and if pressed to make quick decisions this may lead to regrettable decisions. While in a transition, the focus needs to be on the personal side. Our approach recognizes that. We will focus specifically on the communication preferences of each client to build a pathway through the personal and technical issues that present themselves. This usually takes several meetings to cover transition orientation, discovery, organization and protocol development. We will act as a Thinking Partner to help clients successfully navigate their own personal journey and make the right decisions at the right time. Generally, LSF process includes Financial Planning, Wealth Management, and Transition Planning, if needed. However, in the firm’s sole discretion, the firm may take on clients seeking only Financial Life Planning or Financial Transition Planning engagements. Wealth Management Luesink Stenstrom Financial manages assets and provides on-going wealth management services. LSF advises clients on existing portfolios in the context of their overall financial situation and goals. LSF analyzes whether this portfolio is suitable in view of the client’s risk tolerance, time horizon and to achieve the client’s goals and recommends changes, if necessary. LSF will manage the client’s assets on a discretionary basis in accordance with the client’s investment objectives. Please see Item 16: Investment Discretion for more information. LSF may invest client’s assets in a variety of asset classes, including mutual funds, exchange traded funds (ETFs) equities, fixed income or other securities. LSF may also invest client’s assets through the use of sub advisors. LSF allows clients to impose reasonable restrictions on the management of their assets. Reasonable restrictions, including special instructions and limitations, must be provided in writing. Wealth Management Services may include: • Ongoing asset and investment management: trading, monitoring, rebalancing and tax management • On-going financial planning services with updates of the financial plan • LSF assists with the implementation tasks such as buying insurance, working with attorneys, insurance agents and accountants to make sure that all understand the ‘master plan’ and are working together • Annual goal tracking and update • Cash flow planning • Regular tax planning to optimize your current and future tax situation • Regular review of your estate plan and beneficiary designations • Yearly update of insurance needs • Major expense planning – major purchases, business planning • Long-range and lifestyle planning Wrap Fee Programs LSF does not offer, sponsor, or participate in a wrap program. 5  Assets under Management As of December 31, 2025, LSF manages approximately $94,081,746 on a discretionary basis. Item 5. Fees and Compensation Financial Planning Fees Holistic financial planning services are available at a fixed fee or an hourly fee that will not exceed $700.00 per hour. For the preparation of a Financial Plan a fixed fee is quoted based on the complexity of the client’s financial situation and on the client's financial issues to be addressed. Upon the client’s request, if there are additional financial issues to be addressed, that take more time than previously estimated, we will inform about additional costs. The minimum fee for an Integrated Holistic Financial Plan is $8,000. At the first meeting a pre-payment of one third of the fee is due and the remainder will be paid in installments, the last payment is due at the presentation of the plan. For Financial Advisory Services that are limited in scope a fee will be quoted on basis of a time estimate with a minimum fee of $2,500. Wealth Management Fees For clients seeking ongoing wealth management advisory support, we offer the “Grow Your Wealth” Subscription Service. This service includes annual monitoring of the financial plan, guidance on implementing recommendations, regular review of investment accounts, and ongoing access to the advisor for questions as they arise. Fees are based on the complexity of the financial situation and the time required, with a minimum of $2,000 per quarter. Services are also available on an hourly basis if preferred. Investment Management Fees Fee Schedule - Fees Billed Quarterly in Arrears First $1,000,000 $1,000,001 -$5,000,000 $5,000,001 and above Minimum Fee for investment management is 1.0% per year 0.75% per year 0.60% per year $10,000 ($2,500 per Quarter). Assets held in an employer retirement account (i.e., 401K, 403b and the like) can be managed on a discretionary basis if the plan allows. The fee for managing these assets will be 0.5%-1% per year; the fee will reflect the complexity of managing the plan. The plan sponsor(s) permits a restricted universe of investments accessible to the participant. Included in the Investment Management Fees are on-going wealth management services, such as assisting in the implementation of the financial plan and an annual financial plan update. Fee Billing Fees are billed quarterly in arrears and they are based on the market value of the account(s) as of the last day of the prior quarter. The minimum quarterly fee is $ 2,500. Fees will be prorated for clients entering or exiting LSF’s services intra-quarter. The client will provide written authorization for the fees to be debited directly from the client’s brokerage account, unless the client negotiates a different arrangement. 6  Other Fees and Expenses In addition to the above fees charged for LSF’s services, each mutual fund, index fund or exchange traded fund charges on-going management fees for the operations of the fund. This fee is called the ‘expense ratio’ and is deducted within the fund itself. These management fees should not be confused with “loads” or commissions. The client might also pay transaction fees to the brokerage firm for purchases and sales of mutual funds, index funds and/or exchange traded funds. LSF does not receive any compensation, either directly or indirectly, from mutual funds, brokerage firms, or any source other than from the fees paid by clients. Neither LSF nor any person associated with LSF receives any compensation for the sale of securities or other investment products. Miscellaneous Retirement Plan Rollovers: No Obligation / Potential for Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and could engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If LSF recommends that a client roll over their retirement plan assets into an account to be managed by LSF, such a recommendation creates a conflict of interest if LSF will earn an advisory fee on the rolled over assets. LSF operates under a special rule that requires that we act in the client’s best interest and not put our interest ahead of the client’s. Under this special rule’s provisions, LSF must: (i) meet a professional standard of care when making investment recommendations (give prudent advice); (ii) not put our financial interests ahead of the client’s when making recommendations (give loyal advice); (iii) avoid misleading statements about conflicts of interest, fees, and investments; (iv) follow policies and procedures designed to ensure that we give advice that is in the client’s best interest; (v) charge no more than is reasonable for their services; and (vi) give the client basic information about conflicts of interest. No client is under any obligation to roll over retirement plan assets to an account managed by LSF. Separately Managed Account Programs and Independent Managers. For certain eligible clients, LSF allocates (and/or recommends that the client allocate) a portion of a client’s investment assets among unaffiliated Separately Managed Account Programs “SMAs” and/or independent investment managers in accordance with the client’s designated investment objective(s). In such situations, the SMAs or Independent Manager(s) shall have day-to-day responsibility for the active discretionary management of the allocated assets. LSF shall continue to render investment advisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors which LSF shall consider in recommending an SMA or Independent Manager(s) include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fee charged by the Independent Manager(s) is separate from, and in addition to, LSF’s investment management fees/wealth management fees described above. Termination A client may terminate its agreement with Luesink Stenstrom Financial at any time upon written notification and Luesink Stenstrom Financial may terminate its agreement with the client at any time upon written notification. Item 6. Performance-Based Fees and Side-by-side Management 7  LSF does not charge performance-based fees. Item 7. Types of Clients LSF works with individuals, high net worth individuals, small businesses, families and trust and estates. LSF does not require a minimum account size, but the minimum annual fee for investment management is $10,000 or $2,500 each quarter. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis LSF uses third party research and analysis that included fundamental analysis, technical analysis, charting and cyclical analysis. The main sources of information we use are: - Financial newspaper and magazines - On-line investment research and information services - Corporate rating services - Annual reports and prospectuses, filings with the Securities and Exchange Commission. - Company and Mutual fund press releases Investment Strategies Clients should remember that all investing in securities involves risk of loss that the clients should be prepared to bear. LSF prepares for every client an appropriate Asset Allocation that is based on the client’s risk tolerance, time horizon and goals aiming to achieve the client’s goals over a long-term period. A portfolio should be diversified among different asset classes: equities, fixed income and alternative investments - as such we use commodities, gold and/or real estate. LSF’s approach blends index-based and a traditional active strategy, which is based on the following principles: - Costs matter - Structure drives performance - Diversification to decrease risk - Risk and return are related - Control what you can. If appropriate for a client we might use alternative investments like commodities, gold and real estate to decrease the volatility in a portfolio. Research has shown that when you add these to a portfolio or equity and fixed income it will reduce the standard deviation. Depending on the client’s circumstances and needs, LFS might choose to build a portfolio using only exchange traded funds and mutual funds or add to a core portfolio tactical strategies and individual stocks or use individual bonds. LSF monitors portfolios on an on-going basis and rebalances when appropriate annually or earlier if the market is very volatile or client(s)’ financial circumstances change. Risk of Loss LSF is very sensitive to risk of loss and knows that what is considered a conservative position for one client may be too aggressive for another. We custom design each portfolio accordingly. 8  No matter how well diversified a portfolio is, there is always a risk of loss. No investment is guaranteed and while U.S. Treasury securities are considered “safe” investments, even these securities are subject to loss of buying power due to inflation risks. Equities, mutual funds, ETFs, fixed income, commodities, gold and real estate all have risk due to market fluctuation, individual company and management performance. There are always risks to investing. Clients should be aware that all investments carry various types of risk, including the potential loss of principal that clients should be prepared to bear. It is impossible to name all possible types of risks. Among the risks are the following: • Political Risks. Most investments have a global component, even domestic stocks. Political events anywhere in the world may have unforeseen consequences to markets around the world. • General Market Risks. Markets can, as a whole, go up or down on various news releases or for no understandable reason at all. This means that the price of specific securities could go up or down without obvious reasons, and may take some time to recover any lost value. Adding additional securities does not help to minimize this risk since all securities may be affected by market fluctuations. • Currency Risk. When investing in another country using another currency, the changes in the value of the currency can change the value of the security value in the portfolio. • Regulatory Risk. Changes in laws and regulations from any government can change the value of a given company and its accompanying securities. Certain industries are more susceptible to government regulation. Changes in zoning, tax structure or laws impact the return on these investments. • Tax Risks Related to Short Term Trading: Clients should note that LSF may occasionally engage in short-term trading transactions. These transactions may result in short term gains or losses for federal and state tax purposes, which may be taxed at a higher rate than long term strategies. LSF endeavors to invest client assets in a tax efficient manner, but all clients are advised to consult with their tax professionals regarding the transactions in client accounts. • Purchasing Power Risk. Purchasing power risk is the risk that ther investment’s value will decline as the price of goods rises (inflation). The investment’s value itself does not decline, but its relative value does, which is the same thing. Inflation can happen for a variety of complex reasons, including a growing economy and a rising money supply. • Business Risk. This can be thought of as certainty or uncertainty of income. Management comes under business risk. Cyclical companies (like automobile companies) have more business risk because of the less steady income stream. On the other hand, companies such as fast food chains tend to have steadier income streams and therefore, less business risk. • • Financial Risk. The amount of debt or leverage determines the financial risk of a company. • Default Risk. This risk pertains to the ability of a company to service their debt. Ratings provided by several rating services help to identify those companies with more risk. Obligations of the U.S. government are said to be free of default risk. Information Risk: All investment professionals rely on research in order to make conclusions about investment options. This research is always a mix of both internal (proprietary) and external (provided by third parties) data and analyses. Even an advisor who says they rely solely on proprietary research must still collect data from third parties. This data, or outside research is chosen for its perceived reliability, but there is no guarantee that the data or research will be completely accurate. Failure in data accuracy or research will translate to a compromised ability by the advisor to reach satisfactory investment conclusions. • Risks specific to sub-advisors and other managers. If we invest some of the assets with another advisor, there are additional risks. These include risks that the other manager is not as qualified as we believe them to be, that the investments they use are not as liquid as we would normally use in the portfolio, or that their risk management guidelines are more liberal than we would normally employ. • Options. The use of options transactions as an investment strategy involves a high level of inherent risk. Although the intent of many of the options-related transactions implemented by LSF is to hedge against principal risk, certain options-related strategies (i.e., straddles, short positions, etc), may in and of themselves, produce principal volatility and/or risk. Thus, a client must be willing to accept 9  these enhanced volatility and principal risks associated with such strategies. In light of these enhanced risks, clients may direct LSF, in writing, not to employ any or all such strategies for his/her/their/its accounts. Clients participating in options should carefully consider all information regarding the strategy and its risks prior to participating. • Restriction Risk. Clients may at all times place reasonable restrictions on the management of their accounts. However, placing these restrictions may make managing the accounts more difficult, thus lowering the potential for returns. • Risks Related to Investment Term & Liquidity. Securities do not follow a straight line up in value. All securities will have periods of time when the current price of the security is not an accurate measure of its value. If a client(s) requires us to liquidate their portfolio during one of these periods, they will not realize as much value as they would have had the investment had the opportunity to regain its value. Further, some investments are made with the intention of the investment appreciating over an extended period of time. Liquidating these investments prior to their intended time horizon may result in losses. • Cybersecurity and Technology Risks. We rely on technology systems, including systems maintained by the Firm and third-party service providers, to conduct our business and provide services to clients. As a result, we are subject to operational and information security risks. Cybersecurity incidents may include unauthorized access to systems or data, ransomware attacks, denial-of-service attacks, business email compromise, data corruption, or other events that disrupt normal operations. These incidents may occur at our Firm or at third parties with whom we conduct business, including custodians, third-party investment advisers, counterparties, financial institutions, exchanges, regulators, and other service providers. A cybersecurity incident could result in: Inability to access client accounts or complete transactions • Temporary or extended disruption of our operations • • Loss, theft, corruption, or unauthorized disclosure of confidential information • Financial losses • Regulatory investigations, fines, or penalties • Reputational harm • Increased compliance or remediation costs Although we maintain policies, procedures, and controls designed to reduce cybersecurity risk and to detect and respond to incidents, these measures may not be effective in all circumstances. Cybersecurity threats are continually evolving, and there can be no assurance that we or our service providers will not experience future incidents that could materially affect our operations or clients. Item 9. Disciplinary Information There are no current or past legal and/or disciplinary actions, no criminal and/or civil actions, no administrative proceeding nor any self-regulatory proceeding against the firm or any of its officers. Item 10. Other Financial Industry Activities and Affiliations Neither LSF nor any management persons are registered or have an application pending to register as a broker-dealer or a registered representative of a broker-dealer. 10  Neither LSF nor any management persons are registered or have an application pending to register as a futures commissions merchant, commodity pool operator, a commodity trading advisor, or an associated person of the foregoing entities. LSF does not have any relationship or arrangement that is material to its advisory business or to its clients. LSF may also invest client’s assets through the use of sub advisors. LSF does not receive compensation from these advisors. Item 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Code of Ethics LSF’s Code of Ethics (“Code”) has been designed to comply with the requirements of Rule 204A-1 of the Investment Advisers Act of 1940. Among other things, the Code (i) requires that all employees comply with applicable federal and state securities laws, (ii) requires that access persons submit to LSF reports containing their personal securities holdings and transactions in reportable securities, and that LSF review such reports, (iii) requires access persons to obtain pre-approval of certain personal investments; and (iv) contains policies and procedures designed to prevent the misuse of material, non-public information. All personnel of LSF are required to certify their compliance with the Code of Ethics. LSF will provide a copy of its Code of Ethics to a client or prospective client upon request Luesink Financial Planning’s code of ethics is based on openness, integrity, honesty and trust. We also adhere and are guided by the CFP® Board of Standards Code of Ethics and Professional Responsibility, which sets forth the ethical standards for CFP® Professionals. A copy of the Code of Ethics will be provided to any client or prospective client upon request. Fiduciary Standard Luesink Stenstrom Financial is bound by a Fiduciary Standard which means that it will act with undivided loyalty to the client; the client’s interests always come first. Interest in Client Transactions and Personal Trading LSF does not sell, recommend or buy for a client’s account any securities or related products that it has a personal interest in. LFS’s covered persons may buy securities for their own account that are also recommended for client accounts. This presents a conflict of interest because in theory, a personal trade presented prior to or after a client trade could achieve a better price. LSF attempts to mitigate this conflict by requiring all covered persons accounts to be reviewed by the Compliance Officer, and that all associated persons to LSF abide by LSF’s written policies and procedures. It is also mitigated by the use of mutual funds and exchange traded funds. Item 12. Brokerage Practices Where, in a financial planning alone relationship, clients request guidance in choosing a broker LSF will suggest a number of brokerage houses or banks to serve as custodian. It will make recommendations based on the needs of the client and the services provided by the broker/custodian such as the ability to execute trades, the transaction charges, the access to mutual funds including lower sales charges for direct purchases and lower minimum purchase amounts, consolidated reporting, duplicate monthly statements and online-access to accounts. 11  For investment management services Luesink Stenstrom Financial has an arrangement with Fidelity who provides "institutional platform services." The institutional platform services include, among others, brokerage, custody, and other related services that assist LSF in managing and administering clients' accounts and include software and other technology that (i) (ii) (iii) (iv) (v) Provide access to client account data (such as trade confirmations and account statements); Facilitate trade execution and allocate aggregated trade orders for multiple client accounts; Provide research, pricing and other market data; Facilitate payment of fees from its clients' accounts; and Assist with back-office functions, recordkeeping and client reporting. LSF is independently operated and owned and is not affiliated with Fidelity or other brokers and does not get any brokerage commissions or other payments from the custodian. Fidelity does not charge their advisor clients separately for custody services but is compensated by account holders through commissions and other transaction-related or asset-based fees for securities trades that are executed or that settle into the clients’ accounts (i.e., transactions fees are charged for certain no-load mutual funds, debt securities transactions; currently no commissions are charged for individual equity and exchange traded funds transactions). Fidelity also provides access to many no-load mutual funds without transaction charges and other no-load funds at nominal transaction charges and LSF will review whether these funds are good alternative choices. LSF might aggregate trades from several accounts to get a discount on trading fees or other costs. This will be passed on to the client accounts. LSF might make use of sub-advisors. In this instant, clients understand that LSF remains responsible for the investment management and gives direction to the sub-advisor about the investments. It is LSF’s obligation to know suitability of the investments through knowledge of the clients’ risk tolerance, investment goals and time horizon when providing the investment instructions to the sub-advisor. There are no additional fees for the client for the use of sub-advisors. Item 13. Review of Accounts Accounts are reviewed on an on-going basis and evaluated for asset allocation, individual holdings and client objectives. Reviews of portfolios are conducted by an LSF principal. All transactions are reviewed and monitored to determine and verify that they have been executed properly. If the asset allocation deviates substantially from the agreed upon asset allocation, a rebalancing will be considered, taking into account tax and trading costs. The custodian will provide a monthly or quarterly statement to the client of the accounts. LSF will provide a written quarterly report that includes the value of the portfolio and the fees charged. Portfolio performance will be provided with the annual review. We urge clients to compare the custodian’s account statements to these reports from LSF. Item 14. Client Referrals and Other Compensation LSF does not compensate any person for providing client referrals and is not compensated by any other firm for referring clients. Item 15. Custody 12  LSF is deemed to have custody of client funds because it is authorized to debit fees directly from client accounts. LSF will not maintain custody of clients’ assets in any other way. Clients will receive account statements directly from their respective custodians, who will be qualified custodians. Clients should carefully review these statements and compare them against any information provided by LSF. Item 16. Investment Discretion LSF provides investment management services on a discretionary basis. When discretion is given in writing we will have authority over the types of financial instruments to be bought or sold, as well as the amount to be bought or sold on behalf of our clients (without consulting them about the transaction) (subject to any restrictions and limitations set forth in writing in the account documents). The client will sign a limited Power of Attorney to give this authority to LSF; LSF will not be able to transfer any money out of the account, unless the client approves or directs in writing. The authorization for payment of management fees from the account(s) is included in the investment advisory contract. Discretion is to be exercised in a manner consistent with client’s financial profile and investment objectives for the account(s). Item 17. Voting Client Securities For the majority of clients LSF receives the proxy material directly and votes on behalf of the client(s). As part of the investment decision is based on strong company management, LFS supports management’s views on proxy issues. If the client elects to receive the proxy material directly, the client retains responsibility for voting proxies on securities held in all client accounts (including the accounts managed by LSF). The client will receive proxies and other solicitations directly from the brokerage firm with voting instructions. Clients may contact LSF for advice regarding proxies. Item 18. Financial Information Financial Information LSF will not require or solicit prepayment of more than $1,200 in fees, per client, six months or more in advance. LSF has no financial circumstances that are reasonably likely to impair its ability to meet contractual commitments to clients. LSF has not been the subject of a bankruptcy petition at any time. 13  Luesink Stenstrom Financial 475 Park Avenue South, Suite 2100 New York, NY 10016 Phone: 212-405-1609 Email: Info@LuesinkStenstrom.com www.LuesinkStenstrom.com FORM ADV Part 2B March 30, 2026 Contact: Clare Stenstrom, Chief Compliance Office 475 Park Avenue South, Suite 2100 New York, NY 10016 This brochure provides information about the qualifications and business practices of Luesink Stenstrom Financial. It is a supplement to the Luesink Stenstrom Financial ADV Form Part 2A. You should have received a copy of that Brochure. If you did not receive the Luesink Stenstrom Financial ADV Form Part 2A or have any questions about the contents of this supplement, please contact us at 212-405-1609, or by email at info@LuesinkStenstrom.com. 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. References herein to Luesink Stenstrom Financial as a “registered investment adviser” or any reference to being “registered” do not imply a certain level of skill or training. Additional information about Luesink Stenstrom Financial is available on the SEC’s website at www.adviserinfo.sec.gov.  Item 1: Cover Page A. Anja Luesink, MBA, CFP®, RLP®, CeFT™, GFP ADV Part 2B – Brochure Supplement Dated 03/30/2026 Contact: Clare Stenstrom, Chief Compliance Officer 475 Park Avenue South, Suite 2100 New York, NY 10016 B. This Brochure Supplement provides information about Anja Luesink that supplements the Luesink Stenstrom Financial ADV Form Part 2A. You should have received a copy of that Brochure. Please contact Clare Stenstrom, Chief Compliance Officer, if you did not receive the Luesink Stenstrom Financial ADV Form Part 2A or if you have any questions about the contents of this supplement. Additional information about Anja Luesink is available on the SEC’s website at www.adviserinfo.sec.gov. Item 2: Education Background Business Experience Anja Luesink, MBA, CFP®, RLP®, CeFT™ (Born: 1958) is chief investment and financial planning officer at Luesink Stenstrom Financial, a financial planning and investment advisory business that she founded in 2008 as Luesink Financial Planning, LLC. Formal Education University of Utrecht, Netherlands Purdue University, Indiana Kaplan University – Online 1991 - Master of Arts 2000 - Master of Business Administration 2005 - Certificate of Financial Planning Financial Industry Exams 2007 - Series 65 Exam 2007 - Life & Health Insurance Exam CFP® -Board of Standards 2006 - CFP® Exam 2008 - CFP® Designation 2017 – CeFT® Designation exam 2021 – Certificate of Mastery in Global Financial Planning Five-Year Business Background Financial Planning Association (FPA) Director of Pro Bono New York University - Retirement Planning Instructor Luesink Financial Planning LLC, President Luesink Stenstrom Financial, President Francis Financial Inc, Financial Planner L.J. Altfest, Financial Planner 2010 -2012 2008 2008 – 2014 2014 - current 2006 - 2007 2005 - 2006 Other on-going Financial Planning experience: Jan 2006 -2020 FPANY CFP® Review Course - Teaching, especially Retirement Planning and Investment Planning FPANY Pro-Bono Program: Preparing Presentations and Teaching of divers Financial Planning topics - in groups and in individual sessions FPA National: Pro Bono Advisory Committee – Chair person in 2013  FPA National: Community Committee – Chair person in 2015 Professional Designations The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:  Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;  Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;  Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and  Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:  Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and  Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Other Designations RLP® - Registered Life Planner – This designation signifies the completion of the comprehensive curriculum including a 2-day and a 5-day workshop and half year mentoring in client-centered financial planning at the Kinder Institute for Financial Life Planning. Plus several advanced trainings for CE credits. CeFT™- Certified Financial Transitionist™ - This designation is obtained after the completion of the 2- year training program at the Sudden Money Institute. Anja is currently enrolled at the Mastery Level.  Curriculum - Two-day workshop with SMI faculty covering an introduction to the science behind the process, the four core competencies of a CeFT™ supported by four primary CeFT™ tools. The experience based learning, client materials, and case studies prepare attendees for a high degree of practical application following this workshop. - CeFT™ Training continues with two 12-month training programs consisting of face to face training, virtual training, oral presentations and submission of written assignments for each quarter during the 24-month training program. Professional Requirements An applicant needs to adhere to the SMI Code of Ethics, SMI Standards of Care and be in good standing with the governing body of their primary professional designations and credentials. This includes, but is not limited to: CFP Board of Standards, federal and state regulators, bar associations and licensing bodies for mental health professionals. How to continue to be a CeFT™ Upon completion of Step One and Step Two, a CFT™ in good standing may choose between maintaining their certification or continuing their training with Advanced and Mastery Level Training and Coaching program. Of the 15 hours of continuing credits required, ten must come for the Sudden Money Institute. All CFTs™ need to remain in good standing with SMI and the governing bodies of their other professional designation and certifications. Certificate of Mastery in Global Financial Planning 10-Weekly Workshops – with exam completed in Jan 2021 – at the Global Financial Planning Institute (GFPI), which is founded to serve the educational, resource and networking needs of financial planners, wealth managers and other business advisors, working with expatriate clients in the US and Americans abroad Item 3: Disciplinary Information There are no legal or disciplinary events for Anja Luesink Item 4: Other Business Activity Other business activities of Luesink Stenstrom Financial consist of teaching, coaching and giving seminars. LSF has organized a six or twelve month coaching program for women in transitions named Women, Meaning & Money® that teaches women the life skills they need to turn a drastic change in their life into a positive change. Item 5: Additional Compensation There is no additional compensation. Item 6: Supervision We all have access to the portfolio management system that provides reports for the clients and the firm. Employees provide monthly brokerage statements and report all trading to the principals of the firm. We discuss and monitor this trading on a regular basis during our scheduled calls or in person. Anja Luesink is a manager of the firm (212-405-1609).  Item 1: Cover Page A. Clare Stenstrom, CeFT™ ADV Part 2B – Brochure Supplement Dated 03/30/2026 Contact: Clare Stenstrom, Chief Compliance Officer 475 Park Avenue South, Suite 2100 New York, NY 10016 B. This Brochure Supplement provides information about Clare Stenstrom that supplements the Luesink Stenstrom Financial ADV Form Part 2A. You should have received a copy of that Brochure. Please contact Clare Stenstrom, Chief Compliance Officer, if you did not receive the Luesink Stenstrom Financial ADV Form Part 2A or if you have any questions about the contents of this supplement. Additional information about Clare Stenstrom is available on the SEC’s website at www.adviserinfo.sec.gov. Item 2: Education Background Business Experience Clare M. Stenstrom, CeFT™ (Born: 1948) Clare Stenstrom is chief investment and financial planning officer at Luesink Stenstrom Financial, a financial planning and investment advisory business that she joined as a partner in 2014. Education Pace University New York University, Certificate, Financial Planning 1966 - 1968 1997 (6/2014-present) (2008-6/2014) Business Background: Luesink Stenstrom Financial LLC, Manager, Chief Compliance Officer Bourne Stenstrom Lent Asset Management, Inc. Chief Executive Officer, Treasurer, Chief Compliance Officer Bourne Stenstrom Capital Management, Inc. Treasurer, CEO, Compliance Officer (2000/2008) (1998-2000) Fissell & Stenstrom, LLC Manager, (1995-1998) Neville, Rodie & Shaw, Inc. Investment Advisor (1977-1994 Parmelee Management Corp. Investments Advisor, Corporate Secretary (3/2016 – 2024) Sudden Money Institute Australia, Director 1997-2025 Professional Designations Certified Financial Planner™ Certified Financial Transitionist™ Requirements to hold oneself out as a Certified Financial Planner™ - 1997 - 2025 The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States.  To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:  Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services. CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;  Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;  Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and  Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:  Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and  Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Requirements to hold oneself out as a Certified Financial Transitionist™ Certified Financial Transitionist™, CeFT® - This designation is obtained after the completion of the 2-year training program at the Sudden Money Institute (SMI). Clare is currently enrolled at the Mastery Level. Curriculum - Two-day workshop with SMI faculty covering an introduction to the science behind the process, the four core competencies of a CeFT® supported by four primary CeFT® tools. The experience based learning, client materials, and case studies prepare attendees for a high degree of practical application following this workshop. - CeFT® Training continues with two 12-month training programs consisting of face to face training, virtual training, oral presentations and submission of written assignments for each quarter during the 24-month training program. Professional Requirements An applicant needs to adhere to the SMI Code of Ethics, SMI Standards of Care and be in good standing with the governing body of their primary professional designations and credentials. This includes, but is not limited to: CFP Board of Standards, federal and state regulators, bar associations and licensing bodies for mental health professionals. How to continue to be a CeFT® Upon completion of Step One and Step Two, a CeFT® in good standing may choose between maintaining their certification or continuing their training with Advanced and Mastery Level Training and Coaching program. Of the 15 hours of continuing credits required, ten must come for the Sudden Money Institute. All CeFT®s need to remain in good standing with SMI and the governing bodies of their other professional designation and certifications.  Item 3: Disciplinary Information There are no legal or disciplinary events for Clare M. Stenstrom Item 4: Other Business Activity Other business activities of Luesink Stenstrom Financial consist of teaching, coaching and giving seminars. LSF provides a twelve month coaching program for women in transitions named Women, Meaning & Money® that teaches women the life skills they need to turn a drastic change in their life into a positive change. Clare Stenstrom is an owner/director of Sudden Money Institute Australia which provides Financial Transitionist© training for financial planners in Australia. Item 5: Additional Compensation There is no additional compensation. Item 6: Supervision We all have access to the portfolio management system that provides reports for the clients and the firm. Employees provide monthly brokerage statements and report all trading to the principals of the firm. We discuss and monitor this trading on a regular basis during our scheduled calls or in person. Clare M. Stenstrom is a manager (212-405-1609) and is the compliance officer.