OFG FINANCIAL SERVICES, INC.

OFG Financial Services, Inc. 120 SE 6th Ave., Townsite #2, Suite 105 Topeka, KS 66603 Compliance Contact: Todd Payne Website: www.ofgfinancial.com March 17, 2025 This brochure provides information about the qualifications and business practices of OFG Financial Services, Inc, a Registered Investment Adviser. If you have any questions about the contents of this brochure, please contact us at (785) 233-4071 or toddpayne@ofgfinancial.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. Additional information about OFG Financial Services, Inc. is available on the SEC’s website at www.adviserinfo.sec.gov. The term “Registered Investment Adviser” is not intended to imply a certain level of skill or training. 1  Item 2 Material Changes This update for OFG Financial Services, Inc., a Registered Investment Adviser, does not contain any material changes from the update of ADV Part 2 on July 3, 2024. 2  Item 3 Table of Contents Item Number Item Page 4 Advisory Business 4 5 Fees and Compensation 7 6 Performance-Based Fees and Side-By-Side Management 10 7 Types of Clients 11 8 Methods of Analysis, Investment Strategies and Risk of Loss 12 9 Disciplinary Information 13 10 Other Financial Industry Activities and Affiliations 14 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 16 12 Brokerage Practices 17 13 Review of Accounts 20 14 Client Referrals and Other Compensation 21 15 Custody 22 16 Investment Discretion 23 17 Voting Client Securities 24 18 Financial Information 25 19 Requirements for State-Registered Advisers 26 20 Brochure Supplements for OFG Investment Advisor Representatives 28 3  Item 4 Advisory Business A. OFG Financial Services, Inc., a Registered Investment Adviser (hereinafter “OFG”), became licensed as a Registered Investment Adviser in November 2002. OFG is a SEC-registered Investment Adviser in Kansas, Oklahoma, Texas, Arizona and Missouri and has no subsidiaries. J. Kenneth Ogdon is the sole owner of OFG, and Todd Payne is the Chief Compliance Officer. B. OFG offers the following advisory services, where appropriate, to advisory clients. PORTFOLIO MANAGEMENT: OFG provides continuous and regular supervisory and management services to clients, provided through the following investment platforms: • Orion, formerly FTJ FundChoice • Pentegra Retirement Services • RBC Capital Markets, LLC – Management Platform • Charles Schwab Advisor Services • Security Benefit – Retirement Plan Advisory Platforms • Assetmark, Inc. • SEI • Empower Retirement Advisory Services • American Funds F-2 Direct • ADP • Voya Investment Management Services are defined as giving continuous advice to a client or making investments for a client based on the individual needs of the client. OFG and the client develop a client’s personal investment policy through discussions on investment goals and objectives. The development of a client’s investment policy can also be aided by using a strategist option through one of the above platforms. OFG and the client then create and manage a portfolio based on the client’s policy. Most portfolios under OFG management contain mainly no-load mutual funds, but a portfolio could also include one or more of the following: exchange-listed securities, securities traded over-the-counter, foreign issuers, corporate debt securities, commercial paper, certificates of deposit, municipal securities, variable annuities, no-load mutual funds, load-waived mutual funds, front-load mutual funds, and United States government securities, among others. 4  Item 4 Advisory Business (Cont.) FINANCIAL PLANNING AND CONSULTING: OFG is able to provide advice in the form of a financial plan. Clients purchasing this service will receive a written financial plan. OFG provides the client with a detailed financial plan designed to achieve their stated financial goals and objectives. In general, the financial plan may address any or all of the following areas of concern: PERSONAL: Family records, budgeting, personal liability, estate information and financial goals. TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. OFG will illustrate the impact of various investments on a client’s current income tax and future tax liability. DEATH AND DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. RETIREMENT: Analysis of current strategies and investment plans to help the client achieve their retirement goals. INVESTMENTS: Analysis of investment alternatives and their effect on a client’s portfolio. OFG gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, and a written report is prepared. Should a client choose to implement the recommendations contained in the plan, OFG suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client’s discretion. Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area of concern such as estate planning, retirement planning or other specific topics. OFG also provides specific consultation regarding general investment and financial concerns of the client. Financial plan recommendations are not limited to any specific product or service. TIMING AND MANAGEMENT SERVICES: Clients can receive timing and management services from third-party investment advisers with which OFG is contracted. These third-party investment advisers are: Brinker, formerly Clarke Lanzen Skalla (“CLS”) Investment Firm, LLC 5  Item 4 Advisory Business (Cont.) C. OFG and clients allocate the client’s assets among various investments taking into consideration the overall management style selected by the client. The investments will be selected based on any or all of the following criteria: the investment performance history, the industry sector, the record of management, the client’s investment objectives and time horizon, and the fee structure, among other criteria. Portfolio weighting between investments and market sectors will be determined by each client’s individual needs and circumstances. Clients will have the opportunity to place reasonable restrictions on the types of investments which will be made on the client’s behalf. Clients will retain individual ownership of all securities. D. OFG does not participate in wrap fee programs. E. OFG manages advisory accounts on a non-discretionary basis only. The amount of OFG’s non- discretionary Assets Under Management (“AUM”) was $100,000,000 as of December 31, 2022. 6  Item 5 Fees & Compensation A. ADVISORY FEE SCHEDULE PORTFOLIO MANAGEMENT: The annual fee OFG charges for portfolio management services will be charged as a percentage of assets under management, typically a flat fee of 1.0% annually. Annual fees could also be charged in accordance with a breakpoint schedule, such as the fees outlined in the below model: Assets Under Management Annual Fee (%) $0 to $250,000 $250,001 to $500,000 $500,001 to $1,000,000 $1,000,001 to $5,000,000 Over $5,000,000 1.00% 0.90% 0.80% 0.70% 0.65% This schedule is used as only an example; actual fees could differ from what is on this schedule. An individual client’s fees will be outlined on their individual account opening forms along with the Investment Management Agreement with OFG. These fees may be deducted automatically from the client’s account or invoiced and paid on a monthly or quarterly basis. If invoiced, clients will be invoiced at the beginning of each calendar month/quarter based upon the value (market value or fair market value in the absence of market value plus any credit balance or minus any debt balance), of the client’s account at the end of the previous month/quarter. Fee schedules are subject to change based on discussions between the OFG Representative and the client. FINANCIAL PLANNING AND CONSULTING: Financial planning and consulting fees will be charged on an hourly basis, ranging from $50 to $500 per hour, depending on the nature and complexity of each client’s circumstances. Under certain circumstances the hourly fee may be negotiable. An estimate for total hours may be determined at the start of the advisory relationship. OFG may discount or waive, depending on the account size, the financial planning fee if the client is also participating in OFG’s portfolio management service. Typically, the financial plan or consulting service will be presented to the client within 30 days of the contract date, provided that all information needed to prepare the financial plan has been promptly provided by the client. GENERAL INFORMATION ON FEES AND SERVICES Under certain circumstances, all OFG advisory fees may be negotiable. The fee charged is calculated as described above and is not charged on the basis of a share of capital gains upon or capital appreciation of the investments or any portion of the investments of an advisory client (SEC Rule 205(a)(1)). 7  Item 5 Fees & Compensation (Cont.) B. OFG typically has fees automatically deducted from client accounts held at its custodians’ management platforms. Fees are deducted and remitted to OFG by the management platforms as administrators. OFG has a limited form of custody on clients’ advisory accounts, and can deduct advisory fees from a client account if the following conditions are met: 1. The management platform company or OFG sends a quarterly or monthly statement to the client showing the amount of the fee, the value of the client’s assets upon which the fee was based, and the specific manner in which the fee was calculated. 2. The management platform company or OFG discloses to the client that it is the client’s responsibility to verify the accuracy of the fee calculation and that the custodian will not determine whether the fee is properly calculated. 3. The client authorizes OFG in writing to receive fee payments directly from the client’s account being held by an independent custodian. 4. The independent custodian agrees to send the client, at least quarterly, a statement indicating all amounts disbursed from the account. A client may choose to pay the fee directly to OFG. C. All fees paid to OFG for investment advisory services are separate and distinct from the fees and expenses charged by timing services and mutual fund and variable annuities to their shareholders. These fees and expenses are described in each investment company’s prospectus. These fees will generally include a management fee, other investment company expenses, and a possible distribution fee. If the investment company also imposes sales charges, a client may pay an initial or deferred sales charge. A client could invest in an investment company product directly, without the services of OFG. In that case, the client would not receive the services provided by OFG. These services by OFG are designed, among other things, to assist the client in determining which investment company product or products are most appropriate to each client’s financial condition and investment objectives. Accordingly, the client should review both the fees charged by the investment companies and the fees charged by OFG to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided. Refer to Item 12 for a discussion of brokerage. 8  Item 5 Fees & Compensation (Cont.) D. Depending on the investment custodian’s process for charging fees, OFG clients could pay fees in advance of services performed for clients. Either party can cancel a client agreement at any time for any reason upon receipt of written notice. Upon termination of any account, any earned, unpaid fees will be due and payable. The client has the right to terminate an agreement without penalty within five business days after entering into the agreement. E. OFG’s Registered Investment Adviser does not receive commissions for the sale of securities or other products on advisory accounts. If an OFG advisory client executes recommended securities transactions through associated persons of OFG in their separate capacities as Registered Representatives of OFG Financial Services, Inc.’s broker-dealer (hereinafter “OFG’s Broker-Dealer”), these individuals will earn commissions which are separate and distinct from fees charged for advisory services. In some instances, depending on the size of the transaction, advisory fees will be discounted, at OFG’s discretion, for commissions earned. Commissions will not be credited toward future advisory fees. Associated persons of OFG may, from time to time, receive 12b-1 distribution fees from investment companies in connection with the placement of client funds into investment companies and/or other securities brokerage commissions from implementing securities transactions on behalf of advisory clients. 1. A conflict of interest could occur in client accounts when associated persons of OFG in their separate capacities as Registered Representatives of OFG’s Broker-Dealer process transactions through OFG’s Broker-Dealer. While these individuals endeavor at all times to put the interest of the clients first as part of OFG’s fiduciary duty, clients should be aware that the receipt of additional compensation itself creates a conflict of interest and may affect the judgment of these individuals when making recommendations. OFG will notify the client if a transaction will be processed in a separate capacity as a Registered Representative of OFG’s Broker-Dealer which would generate a conflict. OFG recommends investments in several types of securities. When mutual funds are used in managed accounts, OFG would typically recommend no-load funds. 2. When OFG recommends investment products, clients may purchase those investments through other brokers or agents not affiliated with OFG. 3. OFG does not receive revenue from advisory clients through commissions other than through OFG’s Broker-Dealer as explained above in Item 5E. 4. OFG does not charge advisory fees in addition to commissions or markups, and commissions would only be received through OFG’s Broker-Dealer as explained above in Item 5E. 9  Item 6 Performance-Based Fee & Side-By-Side Management OFG does not accept performance-based fees. 10  Item 7 Types of Clients OFG provides investment advisory services for individuals and corporations. OFG does not have a required minimum account size to open an account. 11  Item 8 Method of Analysis, Investment Strategies and Risk of Loss A. Fundamental analysis is used to determine the investments for each client. Long-term investments and short-term investments are recommended depending on the needs of the client. Each client is informed that investments in securities involve risk of loss. Clients should be prepared to bear a loss. B. Fundamental analysis is used after obtaining detailed information from the client. Client investment objectives and time horizon determine the anticipated length of time an investment is held. Market conditions and client circumstances may change. This could require an investment be sold before the original plan. OFG does not recommend frequent trading in client accounts. Frequent trading can affect investment performance, particularly through increased brokerage costs and other costs and taxes. C. OFG offers advice on exchange-listed securities, over the counter securities, foreign issuers, corporate debt securities, commercial paper, certificates of deposit, municipal securities, variable annuities, mutual fund shares, and United States government securities. Unforeseen circumstances could change investments and thus change the level or risk. 12  Item 9 Disciplinary Information OFG has one disciplinary action described in C. below. J. Kenneth Ogdon has had no legal or disciplinary actions. A. No criminal or civil action in a domestic, foreign or military court of competent jurisdiction has been brought against OFG or J. Kenneth Ogdon. B. No administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency, or any foreign financial regulatory authority has been brought against OFG or J. Kenneth Ogdon. C. In a FINRA examination originating from OFG’s broker-dealer’s self-report to FINRA regarding a registered representative failing to disclose outside business activities and loans obtained from firm customers, FINRA made a determination that OFG’s broker-dealer’s e-mail supervisory procedures were insufficient and in violation of FINRA rules 3110 and 2010 for the time period November 2017 through November 2022. The insufficiencies were related to firm procedures not identifying responsible individuals for e-mail reviews, how frequently the reviews were to occur, information on sample sizes of reviews, keywords utilized in reviews, and parameters for random sampling. FINRA also determined the keywords utilized were insufficient for the firm and the number of actual e-mails reviewed was not enough. The situation has been remedied by OFG’s broker-dealer to include enhanced supervisory procedures regarding e-mail, more relevant keywords utilized, and a more sufficient amount of e-mails reviewed. No proceeding by a self-regulatory organization (SRO) has been brought against J. Kenneth Ogdon. 13  Item 10 Other Financial Industry Activities and Affiliations A. OFG’s Broker-Dealer is registered as a broker-dealer and is a member of FINRA and the SIPC. OFG’s three back-office RIA Principals, J. Kenneth Ogdon, Tyler McMaster and Todd Payne, are Registered Representatives and Principals of OFG’s Broker-Dealer. B. OFG is not registered as a futures commission merchant, commodity pool operator, a commodity trading advisor, nor is an associated person of any of these designations. C. OFG’s Investment Adviser Representatives may spend a significant amount of their time on non-advisory activities. These relationships should not create a material conflict of interest with clients. 1. OFG’s Investment Adviser Representatives are Registered Representatives of OFG’s Broker- Dealer, a FINRA-registered broker-dealer. As such, these individuals, as Registered Representatives, will be able to effect securities transactions and will receive separate, yet customary, compensation for effecting any securities transactions. 2. OFG’s Broker-Dealer has sales agreements in place with numerous mutual fund companies, whereby Registered Representatives can effect mutual fund transactions and receive a commission for such transactions (see Item 5E1 above in relation to potential conflicts of interest in this area). OFG and OFG’s Broker-Dealer have no relationship or arrangement with a unit investment trust, private investment company, hedge fund or offshore fund. 3. OFG has sales agreements in place with other investment advisers functioning as timing and management services companies. OFG functions as the solicitor for these timing and management services companies, whereby OFG effects an investment timing and management services relationship between a client and a timing and management services company, and OFG receives an ongoing portion of the investment management fee for this relationship. Other than the timing and management services arrangements, OFG has no relationship or arrangement with another investment adviser. 4. OFG has no relationship or arrangement with a futures commission merchant, commodity pool operator, or commodity trading advisor. 5. OFG has no relationship or arrangement with a banking or thrift institution. 6. OFG has no relationship or arrangement with an accountant or accounting firm. 7. OFG has no relationship or arrangement with a lawyer or law firm. 14  Item 10 Other Financial Industry Activities and Affiliations (Cont.) 8. OFG’s Broker-Dealer has sales agreements in place with numerous insurance carriers, whereby Registered Representatives can transact annuity transactions and receive a commission for such transactions (see Item 5E1 above in relation to potential conflicts of interest in this area). Individual Investment Adviser Representatives also may function as licensed insurance agents for various insurance carriers. As such, Investment Adviser Representatives will be able to receive separate, yet customary, commission compensation resulting from implementing insurance product transactions on behalf of advisory clients. OFG has an affiliated company, OFG Planning Services, Inc. The primary business activities of OFG Planning Services, Inc. are life insurance and Section 125 insurance products. 9. OFG has no relationship or arrangement with a pension consultant. 10. OFG has no relationship or arrangement with a real estate broker or dealer. 11. OFG has no relationship or arrangement with a sponsor or syndicator of limited partnership. D. OFG may recommend another investment adviser, as OFG has sales agreements in place with several timing and management companies. OFG functions as the solicitor for these timing and management companies, whereby OFG effects an investment timing and management relationship between the client and the timing and management company, and OFG receives an ongoing portion of the investment management fee for this relationship. Other than the timing and management services arrangements, OFG has no relationship or arrangement with another investment adviser. 15  Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. OFG is a SEC-registered adviser. OFG shall observe high standards of commercial honor and just and equitable principles of trade in conduct of each client’s business. An investment adviser or investment adviser representative is a fiduciary and shall act primarily for the benefit of its client. B. OFG or individuals associated with OFG may buy or sell securities identical to, or different from, those recommended to clients for their personal accounts. In addition, any related person(s) may have an interest or position in certain securities which may also be recommended to a client. The interest of the client’s investments is always considered before any interest of buying or selling securities for any individuals associated with OFG. C. It is the expressed policy of OFG that no person employed by OFG may purchase or sell any security prior to a transaction being implemented for an advisory account, and therefore, preventing such employees from benefiting from transactions placed on behalf of advisory accounts. D. As situations represent a conflict of interest, OFG has established the following restrictions in order to ensure its fiduciary responsibilities: • The Owner and/or employees of OFG shall not buy or sell securities for their personal portfolio(s) where their decision is substantially derived, in whole or in part, by reason of his or her employment unless the information is also available to the investing public on reasonable inquiry. No person of OFG shall prefer his or her own interest to that of the advisory client. • All clients are fully informed that certain individuals may receive separate compensation when effecting securities and/or insurance transactions on behalf of advisory clients. • OFG emphasizes the unrestricted right of the client to decline to implement any advice rendered. • OFG requires that all individuals must act in accordance with all applicable federal and state regulations governing registered investment advisory practices. • Any individual not in observance of the above may be subject to termination. E. OFG has a Code of Ethics which can be provided to clients at their request. 16  Item 12 Brokerage Practices A. When OFG suggests that a client direct their transactions to OFG’s Broker-Dealer or its clearing broker, RBC Capital Markets, LLC (hereinafter “RBC”), the factors considered by OFG are the broker-dealers’ ability to provide professional services, the broker-dealers’ reputation, and the broker-dealers’ quality of execution services and costs of such services, among other factors. 1. Research and Other Soft Dollar Benefits – OFG does not receive any soft dollars from OFG’s Broker-Dealer or RBC or any third party. a. OFG does not receive any soft dollars from research or services for its benefit. b. OFG does not receive any soft dollars for recommending a broker-dealer. c. OFG does not receive any soft dollars due to commissions charged by a broker-dealer. d. OFG does not receive soft dollars for any client accounts. e. OFG does not receive products or services from OFG’s Broker-Dealer or RBC acquired with client brokerage commissions. OFG may receive incidental benefits from OFG’s Broker-Dealer and RBC. These benefits include: receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk serving OFG’s Broker-Dealer or RBC; ability to have investment advisory fees deducted directly from client account; access to an electronic communication network for client order entry and account information; receipt of compliance publications; and access to mutual funds which generally require significantly higher minimum initial investments or are generally available only to institutional investors. f. OFG does not direct client transactions to a particular broker-dealer for soft dollars. 2. Brokerage for Client Referrals – OFG does not receive client referrals from a broker-dealer or third party. a. OFG does not receive client referrals for recommending a particular broker-dealer. b. Since OFG does not direct client transactions to a particular broker-dealer in return for client referrals, supervisory procedures are not needed for this activity. 3. Directed Brokerage a. PORTFOLIO MANAGEMENT: As OFG does not have the discretion to choose the broker-dealer or the commission rates to be paid, clients must direct the use of a particular broker-dealer for all trades. 17  Item 12 Brokerage Practices (Cont.) OFG requests that clients direct OFG to place all trades through OFG’s Broker-Dealer, which clears its transactions through RBC. OFG’s clients should evaluate OFG’s Broker-Dealer and RBC independently before opening an account. OFG believes that OFG’s Broker-Dealer and RBC will be able to provide its clients with competitive brokerage services and prices. Not all advisers require clients to a direct a brokerage. FINANCIAL PLANNING AND CONSULTING: OFG’s financial planning clients must choose their own broker-dealers and/or insurance companies through which to implement financial planning and consulting recommendations. Implementation of recommendations is entirely at the client’s discretion. When consistent with its fiduciary duty, OFG will recommend the use of OFG’s Broker-Dealer or RBC. Clients must evaluate OFG’s Broker-Dealer, RBC, and/or insurance companies independently before opening an account or using any brokerage/insurance services. OFG believes that OFG’s Broker-Dealer and RBC will be able to provide its clients with competitive brokerage services and prices. The factors considered by OFG to this end are the broker-dealers’ ability to provide professional services, the broker-dealers’ reputation, and the broker-dealers’ quality of execution services and costs of such services, among other factors. Financial planning and consulting clients may use any broker-dealer of their choice. TIMING AND MANAGEMENT SERVICES: OFG’s timing and management services clients will receive the execution implemented by the investment manager, and OFG’s broker-dealer will not be involved in these transactions. b. Associated persons of OFG are also Registered Representatives of OFG’s Broker-Dealer. OFG’s Broker-Dealer is required to supervise the securities trading activities of its Representatives. Clients may request the brokerage transactions be directed to a particular broker-dealer other than OFG’s Broker-Dealer or RBC. However, if OFG’s Broker-Dealer believes that the use of that other broker-dealer would hinder OFG’s Broker-Dealer in meeting its supervisory obligations, OFG will not be able to accept the account. OFG reserves the right to decline acceptance of any client account that directs the use of a broker-dealer other than OFG’s Broker-Dealer or RBC. 18  Item 12 Brokerage Practices (Cont.) As associated persons of OFG are Registered Representatives of OFG’s Broker-Dealer, these individuals will be able to receive separate, yet customary, compensation for implementation of securities transactions on behalf of advisory clients. Any commissions or other compensation received from the implementation of advisory recommendations is separate and distinct from OFG’s advisory fees. Clients should be aware that best execution and lower commissions may not necessarily be achieved if recommended transactions are placed through these individuals, in their separate capacities as Registered Representatives of OFG’s Broker-Dealer. In directing the use of a particular broker-dealer, it should be understood that OFG will not have authority to negotiate commissions or obtain volume discounts, and best execution may not be achieved. In addition, a disparity in commission charges may exist between the commissions charged to other clients. B. OFG is not able to aggregate purchases and sales of securities. Individual client accounts may not receive the most favorable order of execution due to this practice. Since OFG does not handle any discretionary accounts, aggregating trades is not possible. Clients may pay a higher transaction fee when the purchase or sale of a security is not aggregated. 19  Item 13 Review of Accounts A. PORTFOLIO MANAGEMENT: Initial and ongoing transaction review on client transactions and account balances for investment management accounts are the responsibility of the OFG Investment Adviser Representative assigned to the account. This review is conducted at least quarterly. OFG Principals also conduct transaction review if copies of transaction records are provided to the OFG Home Office. In addition, for an investment management account invoiced by the home office, an OFG Principal will review the account balance and activities at least quarterly in conjunction with the processing of the quarterly fee charged to the client. FINANCIAL PLANNING AND CONSULTING: These accounts will be reviewed as contracted for at the inception of the advisory relationship by the Investment Adviser Representative assigned to the account. TIMING AND MANAGEMENT SERVICES: Initial and ongoing transaction review on client transactions and account balances for timing and management services accounts are the responsibility of the OFG Investment Adviser Representative assigned to the account. OFG Principals also conduct transaction review if copies of transaction records are provided to the OFG Home Office. B. More frequent reviews may be triggered by material changes in variables such as the client’s individual circumstances, the market, political or economic environment. C. PORTFOLIO MANAGEMENT: Clients will receive written monthly or quarterly brokerage and custodial statements from their respective custodian. The independent custodian will send the client a monthly or quarterly statement showing all activity in the account. Clients will typically receive quarterly performance reports from the OFG Investment Adviser Representative assigned to the account. FINANCIAL PLANNING AND CONSULTING: These clients will receive written reports as contracted for at the inception of the advisory relationship. TIMING AND MANAGEMENT SERVICES: Clients will receive quarterly statements from their respective timing and management services company. 20  Item 14 Client Referrals and Other Compensation A. OFG and its Representatives do not receive any economic benefit for providing investment advice or other advisory services to clients other than client fees. B. OFG and its Representatives do not compensate any person for client referrals. 21  Item 15 Custody OFG does not have custody of client funds or securities, but OFG is deemed to have a limited form of custody due to its ability to make allocation changes to or withdraw funds or fees from clients’ advisory accounts. RBC Capital Markets, LLC serves as the independent custodian for client investment advisory accounts established with OFG’s Broker-Dealer. RBC Capital Markets Corporation sends monthly or quarterly account statements directly to clients. Clients should carefully review these statements. Timing and management services clients receive quarterly statements from their respective timing and management services company showing the value of their investment account at the end of the quarter. Clients should review these statements for accuracy. 22  Item 16 Investment Discretion OFG does not accept discretionary authority to manage securities accounts on behalf of clients. 23  Item 17 Voting Client Securities A. OFG does not vote proxies for client securities. B. Clients retain the authority and responsibility for voting proxies. OFG is expressly precluded from rendering any advice or taking any action with respect to, the voting of such proxies. Clients receive proxy solicitations directly from the custodian. Clients may contact OFG if they need assistance in understanding the proxy solicitation information. OFG will not give advice and voting the proxy will be the responsibility of the client. 24  Item 18 Financial Information A. OFG does not require or solicit prepayment of fees. B. OFG does not have discretionary authority, custody of client funds or securities, or require or solicit prepayment of client fees. OFG does not have a financial condition that would impair the ability of OFG to meet contractual commitments to clients. C. OFG and J. Kenneth Ogdon have not been the subject of any bankruptcy petition at any time. 25  Item 19 Requirement for State-Registered Advisers A. EDUCATION AND BUSINESS STANDARDS Advisory persons associated with OFG must possess, typically, a college degree and/or appropriate business experience and all required licenses. J. Kenneth Ogdon, Owner EDUCATION: BA, Friends University, Wichita, KS MBS, Emporia St. University, Emporia, KS Post Graduate Work, University of Denver, Denver, CO 1959 1963 1967 EMPLOYMENT HISTORY: The Columbian Securities Corporation, Member NASD/SIPC, Topeka, KS Managing Partner 1968-1992 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Owner, President, Director, General Securities Principal, General Securities Representative 1992-Present Tyler McMaster EDUCATION: BBA Finance, Washburn University, Topeka, KS 1993 EMPLOYMENT HISTORY: Security Benefit, Topeka, KS Regional Vice President, Sales Director, Marketing Representative 1993-2014 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Senior Vice President, General Securities Principal, Municipal Securities Principal, General Securities Representative 2015-Present 26  Item 19 Requirement for State-Registered Advisers (Cont.) Todd M. Payne EDUCATION: BA Mathematics, University of Kansas, Lawrence, KS 1994 MS, Accounting & Information Systems, University of Kansas, Lawrence, KS 1998 1999 Certified Public Accountant EMPLOYMENT HISTORY: 1998-2005 General Public Accounting, including: Arthur Andersen LLP, Denver, CO Berberich Trahan & Co, Topeka, KS Brier Payne Meade Insurance, Topeka, KS Controller, P&C Insurance Agent 2005-2008 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Secretary-Treasurer, Chief Compliance Officer, Chief Financial Officer, Director, General Securities Principal, Municipal Securities Principal, FINOP, General Securities Representative 2008-Present B. OFG’s Investment Adviser Representatives may spend a significant amount of their time on non-advisory activities, such as broker-dealer and insurance activities. Refer to Item 10C for a further description on the amount of time spent on this business. C. OFG and its associated persons are not compensated for advisory services with performance- based fees. D. 1. OFG and its associated persons have not been found liable in an arbitration claim alleging damages. 2. OFG and its associated persons have not been found liable or required to pay an award in a civil, self-regulatory organization or administrative proceeding. E. OFG and its associated persons have no relationships with any issuer of securities, and no relationships with any seller of securities other than those disclosed in Item 10C. F. OFG has professional liability insurance coverage for its investment advisory activities. Any client or prospective client who requests proof of professional liability insurance coverage shall be provided by OFG a copy of the insurance agreement in effect. 27  Item 20 Brochure Supplements for OFG Investment Advisor Representatives See subsequent pages for the Brochure Supplements for OFG’s Investment Advisor Representatives (“IAR’s”). 28  Eddie E. Balluch FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: BA Business Management, Kansas Wesleyan University Series 6, Series 65, Life & Health Ins. Series 65 2012 2016 2022 EMPLOYMENT HISTORY: Kansas Wesleyan University, Admissions Counselor 2012 Watson Electric, Inc., Electrician Assistant 2013 Dick’s Sporting Goods, Hardlines Manager 2013-2016 Teen Town, Inc., Teen Mentor 2013-2019 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions, General Securities Representative 2016-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Eddie Balluch that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Eddie Balluch is available on the SEC’s website at www.adviserinfo.sec.gov. 29  Barry L. Bray FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 EDUCATION: Bachelor of Science in Business, University of Kansas, Lawrence, KS 1962 Series 7, 63, 65 Exams, Life Insurance 1963 Life Insurance Marketing, Purdue University 1965 Chartered Life Underwriter, American College Life Underwriters 1972 Master of Science in Financial Services, The American College 1981 Chartered Financial Consultant, The American College 1982 EMPLOYMENT HISTORY: Insurance Agent Victory Life Insurance Company, Topeka, Kansas 1963-1970 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Financial Representative 1970-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Barry Bray that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Barry Bray is available on the SEC’s website at www.adviserinfo.sec.gov. 30  Jesse N. Burditt, III FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 1716 Briarcrest St 300, Bryan, TX 77802 Phone: (979) 691-7325 EDUCATION: Texas A&M Institute of Insurance Marketing , LOUISIANA STATE UNIVERSITY Series 7, 66 Exams, TEXAS AND CALIFORNIA Life & Health Insurance License 1968-1970 1971-1972 1971 to Present EMPLOYMENT HISTORY: Life and Health Insurance Sales 1971 to Present Registered Representative OFG Financial Services, Inc. 1976-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Jesse Burditt III that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Jesse Burditt III is available on the SEC’s website at www.adviserinfo.sec.gov 31  Matthew R. Campbell FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Associate of Science, Fort Scott Community College Bachelor of Business Administration, Pittsburg State University Series 6, Series 63, Life & Health Ins. Series 65 2022 2024 2024 2025 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2024 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Matthew R. Campbell that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Matthew R. Campbell is available on the SEC’s website at www.adviserinfo.sec.gov. 32  Robert M. Campbell FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Bachelor of Science in Education, Pittsburg State University Series 6, Series 63, Life & Health Ins. Series 65 1990 2006 2025 EMPLOYMENT HISTORY: Mathematics Teacher and Coach, Fort Scott High School 1990-2006 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2024 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Robert M. Campbell that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Robert M. Campbell is available on the SEC’s website at www.adviserinfo.sec.gov. 33  Craig A. Colson FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 302 Holleman Dr E Ste 200, College Station, TX 77840 Phone: 979.680.0658 x119 EDUCATION: BS Agribusiness, Texas A&M University, College Station, TX Series 7, 63 Exams, Life & Health Ins. Series 65 Exam 2012 2012 2013 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker Investment Advisor Representative 2012-Present 2013-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Craig Colson that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Craig Colson is available on the SEC’s website at www.adviserinfo.sec.gov. 34  Steven C. Colson, ChFC, CSA, RFC FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 302 Holleman Drive East, Suite 200, College Station, TX 77840 Phone: 979.680.0658 x 114 EDUCATION: BS Industrial Education, Texas A&M University, College Station, TX Series 6, 7, 63, 65 Exams, Life & Health Ins., Property & Casualty Ins. Life Underwriter Training Council Fellow, LUTCF Certified Senior Advisor, Society of Certified Senior Adviors Chartered Financial Consultant, The American College, Bryn Mawr, PA 1985 Began 1991 1998 2002 2002 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker Investment Advisor Representative 1999-Present 2003-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Steven Colson that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Steven Colson is available on the SEC’s website at www.adviserinfo.sec.gov. 35  Douglas K. Crum FIRM INORMATION: OFG Financial Services, A Registered Investment Adviser 2553 Texas Ave. South #A-1, College Station, Texas 77840 Phone: (979) 680-0658 1984 EDUCATION: BS Industrial Education, Texas A&M University, College Station, TX Series 7, 63, 65 Exams, Life & Health Ins. 1999 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS 2000-Present AXA Advisers, Member FINRA/SIPC, Houston, TX 1999-2000 DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Douglas Crum that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Douglas Crum is available on the SEC’s website at www.adviserinfo.sec.gov. 36  Chris Davenport FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Pittsburg State University – Bachelors of Business Administration (Accounting) Pittsburg State University – Masters of Business Administration Series 65 Series 63, SIE, Life & Health Series 7 2014-2017 2017-2019 2023 2024 2025 EMPLOYMENT HISTORY: GN Bank – AVP, Loan Officer 2015 - 2019 Heartland Business Capital – Business Development Officer 2019 - 2025 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2025 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Chris Davenport that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Chris Davenport is available on the SEC’s website at www.adviserinfo.sec.gov. 37  Larry Davenport FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Series 6, Series 63, Life & Health Ins. Series 65 2000 2025 EMPLOYMENT HISTORY: One Orchard Equities, Inc Regional Representative 2000 - 2002 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba BSD Financial General Securities Representative 2002 - 2010 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2010 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Larry Davenport that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Larry Davenport is available on the SEC’s website at www.adviserinfo.sec.gov. 38  Robert D. Davis FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave., Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 Direct: (785) 478-1201 EDUCATION: BS Business Management, Kansas State University, Manhattan, KS MBA, Emphasis in Marketing, Kansas State University, Manhattan, KS Series 6, 7, 63 Exams, Life & Health Ins. Certified Financial Planner EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS 1994-Present Financial Planner Kansas State University, College of Human Ecology, Manhattan, KS 1994-2010 Adjunct Professor in Financial Planning Department IDS/American Express Financial Services, Member FINRA/SIPC, Topeka, KS 1988-1994 Financial Planner DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Robert Davis that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Robert Davis is available on the SEC’s website at www.adviserinfo.sec.gov. 39  Jonathan B. Gatz FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Modern Advisor Group 13220 Metcalf Ave., Suite 215, Overland Park, KS 66213 Phone: (417) 529-7529 EDUCATION: B.S. Business/Finance Westminster College, Fulton, MO Life & Health Ins. Series 6 and 63 Exams Series 7 and 65 Exams 2004 2005 2005 2013 EMPLOYMENT HISTORY: Planco, SunAmerica, National Planning Corporation, Royal Alliance Associates Regional Vice President, Registered Representative, Investment Adviser Rep 2005-2019 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative, Investment Adviser Representative 2017-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Jonathan Gatz that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Jonathan Gatz is available on the SEC’s website at www.adviserinfo.sec.gov. 40  Richard D. Higgs Jr. FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser, dba Higgs Financial Services, Inc. 5100 SW 10th, Suite 201, Topeka, KS 66604 Phone: (785) 273-0558 EDUCATION: BS Business Administration, University of Kansas, Lawrence, KS 1982 Professional Designations: CLU Series 7, 63, 65 Exams, Life & Health Ins. EMPLOYMENT HISTORY: Midwest Management Property Management for the FmHA in Kansas and Missouri 1982-1985 Northwestern Mutual Life Insurance Sales 1985-1992 OFG Financial Services, Inc. dba Higgs Financial Services, Inc. Insurance and Investment Sales 1992-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Richard Higgs Jr. that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Richard Higgs Jr. is available on the SEC’s website at www.adviserinfo.sec.gov. 41  Leasa E. Huffman FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105 Topeka, KS 66603 Phone: (785) 233-4071 Direct: (785) 267-6556 1981 1992-1993 1989 EDUCATION: Attended Missouri Western State University, St. Joseph, MO Attended Washburn University, Topeka, KS Fellow of the Life Management Institute, Life Office Mgmt. Assn. Chartered Financial Consultant, American College, Bryn Mawr, PA Chartered Life Underwriter, American College, Bryn Mawr, PA Series 7, 24, 63, 66 Exams, Life & Health Ins., Property & Casualty Ins. EMPLOYMENT HISTORY: Security Benefit, Topeka, KS 1984-2002 Second Vice President, Marketing and Sales OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS 2002-Present Registered Representative DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Leasa Huffman that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Leasa Huffman is available on the SEC’s website at www.adviserinfo.sec.gov. 42  Lorin D. Kieschnick FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 302 Holleman Dr. East, Suite 200, College Station, Texas 77840 Phone: (979) 680-0658 xt. 126 EDUCATION: BS Agriculture Economics, Texas A&M University, College Station, TX Series 7, 66 and Group 1 Insurance Exam 2003 2007, 2008 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Registered Representative 2007-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Lorin Kieschnick that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Lorin Kieschnick is available on the SEC’s website at www.adviserinfo.sec.gov. 43  Mason J. Knopp FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Series 6, Series 63, Series 65, SIE, Life & Health Ins. Series 65 2020 2025 EMPLOYMENT HISTORY: First Guaranty Bank, Hammond, LA, Finance Intern 2019-2019 Fort Scott Munitions, Fort Scott, KS, Sales Representative 2020-2020 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2020 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Mason J. Knopp that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Mason J. Knopp is available on the SEC’s website at www.adviserinfo.sec.gov. 44  Charles Hal Kooken, Jr. FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 1202 Sam Houston Ave., Suite 7, Huntsville, TX 77340 Phone: (936) 291-3497 EDUCATION: BA Law Enforcement, Major in Geography, Minor Life Earth Science Texas Teacher Certification Series 6, 63 & 65 Exams, Life & Health Insurance Life, Underwriter, Training Council (LUTCF) Designation 1973 1975 1987 1990 1972-1976 1976-1986 1986-2008 EMPLOYMENT HISTORY: Huntsville Independent School District Milchem, Baker Industries Prudential Insurance & Financial Services OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative 2008-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Charles Hal Kooken, Jr. that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Charles Hal Kooken, Jr. is available on the SEC’s website at www.adviserinfo.sec.gov. 45  Jake A. Lebahn FIRM INFORMATION: OFG Financial Services, A Registered Investment Advisor, dba Lebahn Financial Services Inc. 5110 SW 10th, Street, Suite 207, Topeka KS, 66604 Phone: (785) 273-0558 EDUCATION: BA Mass Media, Washburn University, Topeka, KS, 2007 PROFESSIONAL DESIGNATIONS: SIE, Series 7, Series 66 EMPLOYMENT HISTORY: Alpha Media Topeka Sports Director 2006-2023 OFG Financial Servies, INC, dba Lebahn Financial Servies, Inc. DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Advisor Representative is a Registered Representative of OFG Financial Services, Inc’s Broker/Dealer. OFG’s Broker/Dealer and OFG’s Registered Investment Advisor share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISORS: None This brochure supplement provides information about Jake Lebahn that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Jake Lebahn is available on the SEC’s website at www.adviserinfo.sec.gov. 46  Scott J. Marwil, CFP, ChFC FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 302 Holleman Drive East, Suite 200, College Station, TX 77840 Phone: 979.680.0658 x 118 EDUCATION: BS Chemical Engineering, Texas A&M University, College Station, TX Series 7, 63, 65 Exams, Life & Health Ins. Certified Financial Planner Chartered Financial Consultant, The American College 2011 2018 2021 2021 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker Investment Advisor Representative 2018 - Present 2018 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Scott J. Marwil that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Scott J. Marwil is available on the SEC’s website at www.adviserinfo.sec.gov. 47  Douglas B. Massey FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 3115 Southwest Blvd, San Angelo, TX 76904 Phone: (325) 942-8896 EDUCATION: BS Science, South Plains College, Levelland, TX Life & Health Ins., P&C Ins. Series 6, 63 Exams Chartered Financial Consultant (ChFC), Series 65 Equivalency 1983 1984 1992 1996 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker Investment Advisor Representative 1992-Present 1996-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Douglas Massey that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Douglas Massey is available on the SEC’s website at www.adviserinfo.sec.gov. 48  Katherine (Kate) McMaster FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 Direct Line: (785) 845-5501 EDUCATION: B.S. Business Administration, Drake University, Des Moines, Iowa Major: Corporate Finance NASD Series 6, 7, 63, 65 Licensed State Life and Variable Annuity Insurance License 1993 1996, 1997, 2011, 1999 2010 EMPLOYMENT HISTORY: The Statesman Group/American Life & Casualty Insurance Company Des Moines, Iowa, Operations Assistant 1993-1994 The Security Benefit Group of Companies, Topeka, Kansas Investment Assistant, Senior Investment Assistant, Short Term Analyst/Trader, Investment Accountant, Business Development Analyst 1994-2007 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Representative 2009-present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Kate McMaster that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Kate McMaster is available on the SEC’s website at www.adviserinfo.sec.gov. 49  Tyler McMaster FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 Direct Line: (785) 580-7879 EDUCATION: Bachelor of Business Administration, Washburn University, Topeka, Kansas Major: Business Finance NASD Series 6, 7, 24, 63, 65 Licensed State Life and Variable Annuity Insurance License 1993 1994, 1997, 2008, 2016 1995 EMPLOYMENT HISTORY: The Security Benefit Group of Companies, Topeka, Kansas Marketing Representative, Sales Representative, Sales Director, Regional Vice President 1993-2014 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Representative 2015-present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Tyler McMaster that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Tyler McMaster is available on the SEC’s website at www.adviserinfo.sec.gov. 50  John David Phinney, LUTCF FIRM INFORMATION: OFG Financial Services 302 Holleman Drive East, Suite 200, College Station, TX 77840 Phone: 979.680.0658 x 111 EDUCATION: Series 6, 63 Exams, Life & Health Ins. (65 in the process) Life Underwriter Training Council Fellow, LUTCF Began 1994 2013 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker 2000-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about John David Phinney that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about John David Phinney is available on the SEC’s website at www.adviserinfo.sec.gov. 51  Mitchell J. Quick FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Bachelor of Business Administration, Pittsburg State University Series 6, Series 63, Life & Health Ins. Series 65 1988 2012 2025 1998-2012 EMPLOYMENT HISTORY: Deutsche Financial Services, E*Trade, GE Money, DealerLinx, Recreational Dealer Services, Ally Bank, Representative OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2012 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Mitchell J. Quick that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Mitchell J. Quick is available on the SEC’s website at www.adviserinfo.sec.gov. 52  L. Kyle Ruzicka FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 Direct: (405) 650-4328 EDUCATION: BA Criminal Science, Southwestern Oklahoma State University Series 6, 63, 65 Exams, Life & Health Ins. 2000 2000 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative 2001-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about L. Kyle Ruzicka that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about L. Kyle Ruzicka is available on the SEC’s website at www.adviserinfo.sec.gov. 53  James D. Sather FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 EDUCATION: Series 6, Series 63, Series 65, Life & Health Ins. Series 65 2000 2016 EMPLOYMENT HISTORY: Clark County School District, Las Vegas, NV, Teacher 1989 - 1997 USD 234, Fort Scott, KS, Principal 1997 - 2000 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba BSD Financial General Securities Representative 2000 - 2010 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, dba SEK Financial General Securities Representative 2010 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about James Sather that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about James Sather is available on the SEC’s website at www.adviserinfo.sec.gov. 54  Benjamin S. Schroeder FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 302 Holleman Dr E Ste 200, College Station, TX 77840 Phone: 979.680.0658 x119 2015 EDUCATION: Texas A&M University, College Station, TX BS University Studies – Architecture Minors in Business and Mathematics Series 7, 63, 65 Exams, Life & Health Ins. 2016 EMPLOYMENT HISTORY: Camp Ozark Summers 2011, 2012, 2013 Summer Staff RSL Contractors Project Manager September 2014 – December 2015 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS Broker Investment Advisor Representative 2016-Present 2016-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Benjamin Schroeder that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Benjamin Schroeder is available on the SEC’s website at www.adviserinfo.sec.gov. 55  Robert K. Tersinar FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: SEK Financial LLC 399 E Hudson, Fort Scott, KS 66701 Phone: (620) 223-5756 1992 1995 EDUCATION: B.S. Technology, Pittsburg State University M.B.A., Pittsburg State University Series 6, Series 63, Series 65, Life & Health Ins. EMPLOYMENT HISTORY: Toyota Motor Sales USA. Inc. 1995- 2004 District Manager / Field Representative Regional Merchandising Manager –Kansas City Region (KS, MO IA, NE, SD, ND) The First National Bank of Girard Vice President – Commercial / Agriculture Loan Officer 2004 - 2008 Shepherd Team Auto Plaza General Manager/Operations Manager 2008 - 2012 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative 2012 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Robert Tersinar that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Robert Tersinar is available on the SEC’s website at www.adviserinfo.sec.gov. 56  Brad Veenendaal FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: Series 7, Series 66, Life & Health Ins. SIE Kansas State University, BS Accounting and Finance 2021 2021 2009-2014 EMPLOYMENT HISTORY: Walmart Asset Protection Associate (Harrisville, UT) 2014-2015 Goldman Sachs Due Diligence Analyst (Salt Lake City, Ut / Houston, TX) 2015-2021 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions, General Securities Representative 2021-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Brad Veenendaal that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Brad Veenendaal is available on the SEC’s website at www.adviserinfo.sec.gov. 57  John D. Webb FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: Series 6, Series 63, Life & Health Ins. Series 7 Series 66 1993 1999 2010 EMPLOYMENT HISTORY: Radio Shack – Management 1986-1993 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative 1993-2007 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Webb & Associates, Inc. General Securities Representative 2007-2016 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions General Securities Representative 2016-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about John Webb that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about John Webb is available on the SEC’s website at www.adviserinfo.sec.gov. 58  Jordan D. Webb FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: Series 6, Series 63, Life & Health Ins. CRPC Series 65 2014 2017 2019 EMPLOYMENT HISTORY: Laird Noller- Automotive Sales 2011-2012 Bank of Blue Valley- Personal Banker 2012-2013 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Webb & Associates, Inc. General Securities Representative 2013-2016 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions General Securities Representative 2016-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Jordan Webb that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Jordan Webb is available on the SEC’s website at www.adviserinfo.sec.gov. 59  Kelli C. Webb FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: BS, Finance, Fort Hays State University Series 7, Series 63, Life & Health Ins. CHFC 1989 1991 2010 EMPLOYMENT HISTORY: Baumgardner, Rosselot, Vanburen 1989-1991 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative 1991-2007 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions General Securities Representative 2007-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Kelli Webb that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Kelli Webb is available on the SEC’s website at www.adviserinfo.sec.gov. 60  Kevin K. Webb FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 255 Bear Creek Trail, New Braunfels, TX 78130 Phone: (830) 899-2103 EDUCATION: B.S. Recreation, Parks, & Tourism Sciences, Texas A&M University, College Station, TX Life & Health Ins., Property & Casualty Ins. Series 6 and 63 Exams Series 65 Exam 2001 2002 2007 2009 EMPLOYMENT HISTORY: WWGAF dba Rockin R River Rides General Manager 1997-2002 Webb Insurance & Financial Services Life and Health Insurance Agent 2002-Present OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative, Investment Adviser Representative 2007-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Kevin Webb that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Kevin Webb is available on the SEC’s website at www.adviserinfo.sec.gov. 61  Trevor J. Webb FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser DBA: Pathway Financial Solutions 120 S. Santa Fe, Salina, KS 67401 Phone: (785) 820-8161 EDUCATION: BA Computer Science, Fort Hays State University, Hays, KS SIE, Series 7 Series 63, Series 65 2022 2024 2025 EMPLOYMENT HISTORY: United Parcel Service, Preloader 2020-2025 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS dba: Pathway Financial Solutions General Securities Representative 2024-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Trevor Webb that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Trevor Webb is available on the SEC’s website at www.adviserinfo.sec.gov. 62  Dean A. Willeford FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (785) 233-4071 Direct: (210) 863-3714 EDUCATION: B.A. Business Administration, Concentration in Accounting Texas State University Life & Health Ins., Property & Casualty Ins. Series 6 and 63 Exams Series 65 Exam 1978 2017 2017 2019 EMPLOYMENT HISTORY: Pfizer, Inc. District Sales Manager 1992-2017 OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS General Securities Representative, Investment Adviser Representative 2017-Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Dean Willeford that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Dean Willeford is available on the SEC’s website at www.adviserinfo.sec.gov. 63  Weston R. Woodring FIRM INFORMATION: OFG Financial Services, A Registered Investment Adviser 120 SE 6th Ave, Townsite #2, Suite 105, Topeka, KS 66603 Phone: (620) 644-8799 EDUCATION: B.A. Ministry, Ozark Christian College M.A. Organizational Leadership, Lincoln Christian Unversity Series 7, Series 66, Series 65, Life & Health Ins. 2017 2021 2024 EMPLOYMENT HISTORY: OFG Financial Services, Inc., Member FINRA/SIPC, Topeka, KS, General Securities Representative, Investment Advisor Representative 2024 - Present DISCIPLINARY INFORMATION: None OTHER BUSINESS ACTIVITIES: This Investment Adviser Representative is a Registered Representative of OFG Financial Services, Inc.’s broker/dealer. OFG’s broker/dealer and OFG’s Registered Investment Adviser share common ownership. This Registered Representative receives cash compensation for the sale of securities products through OFG’s broker/dealer. SUPERVISION: This Investment Adviser Representative is supervised by OFG Financial Services’ Compliance department. The person responsible for supervision is Todd Payne, Chief Compliance Officer, and he can be contacted in Topeka, KS at (785) 233-4071. ADDITIONAL COMPENSATION, OTHER REQUIREMENTS FOR STATE-REGISTERED INVESTMENT ADVISERS: None This brochure supplement provides information about Weston R. Woodring that supplements the OFG Financial Services RIA brochure. You should have received a copy of that brochure. Please contact Todd Payne, OFG Financial Services’ Chief Compliance Officer, at (785) 233-4071, if you did not receive OFG’s brochure or if you have any questions about the contents of this supplement. Additional information about Weston R. Woodring is available on the SEC’s website at www.adviserinfo.sec.gov. 64