ONE DEGREE ADVISORS, INC.

January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 1 – Cover Page One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 www.onedegreeadvisors.com This brochure provides information about the qualifications and business practices of One Degree Advisors, Inc. If you have any questions about the contents of this brochure, please contact us at (619) 282-3288. 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 One Degree Advisors, Inc. also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Firm” using the firm’s CRD number, which is 170392. References herein to One Degree Advisors, Inc. as a “registered investment adviser” or any reference to being “registered” does not imply a certain level of skill or training. 1 One Degree Advisors, Inc. | Item 1 – Cover Page  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Material Changes The Material Changes section of this brochure will be updated annually when material changes have occurred since the previous release of the Firm Brochure. This brochure dated January 1, 2025, has had the following material changes since the last annual update to the brochure for One Degree Advisors, Inc. dated January 1, 2024. All clients will receive a copy of this brochure prior to, or at the time of, becoming a client. Anthony Saffer is now the Chief Compliance Officer. One Degree Advisors, Inc. will provide you with a new brochure as necessary based on changes or new information, at any time, without charge. Our brochure may be requested by contacting Anthony Saffer, Chief Compliance Officer at (619) 282-3288. Additional information about One Degree Advisors, Inc. is also available via the SEC’s website, www.adviserinfo.sec.gov. The SEC’s website also provides information about any persons affiliated with One Degree Advisors, Inc. who are registered, or are required to be registered, as investment adviser representatives of One Degree Advisors, Inc. 2 One Degree Advisors, Inc. | Item 2 – Material Changes  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 3 – Table of Contents Item 1 – Cover Page .................................................................................................................. 1 Item 2 – Material Changes ......................................................................................................... 2 Item 3 – Table of Contents ......................................................................................................... 3 Item 4 – Advisory Business ........................................................................................................ 4 Item 5 – Fees and Compensation .............................................................................................. 7 Item 6 – Performance-Based Fees and Side-By-Side Management ..........................................11 Item 7 – Types of Clients ..........................................................................................................12 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .....................................13 Item 9 – Disciplinary Information ...............................................................................................17 Item 10 – Other Financial Industry Activities and Affiliations......................................................18 Item 11 – Code of Ethics, Participation, or Interest in Client Transaction and Personal Trading 20 Item 12 – Brokerage Practices ..................................................................................................22 Item 13 – Review of Accounts ...................................................................................................25 Item 14 – Client Referrals and Other Compensation .................................................................26 Item 15 – Custody .....................................................................................................................27 Item 16 – Investment Discretion ................................................................................................28 Item 17 – Voting Client Securities .............................................................................................29 Item 18 – Financial Information .................................................................................................30 Brochure Supplement (Part 2B of Form ADV) ...........................................................................31 Anthony Saffer ...................................................................................................................................... 31 Janice A. Thompson ............................................................................................................................ 34 Alexander E. Okugawa ........................................................................................................................ 37 Matthew S. Calcagno ........................................................................................................................... 40 Philip. J. Reuer ..................................................................................................................................... 43 James (Jody) J. Thomason ................................................................................................................ 46 3 One Degree Advisors, Inc. | Item 3 – Table of Contents  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 4 – Advisory Business About One Degree Advisors, Inc. One Degree Advisors, Inc. is a corporation formed in 2001 in the State of California. The name was changed to One Degree Advisors, Inc. in 2014. Janice Thompson and Anthony Saffer are the principal owners of One Degree Advisors, Inc. The major decisions of a strategic and administrative nature for the firm are undertaken by the principal owners. Services Offered One Degree Advisors, Inc. is a financial advisory firm dedicated to providing personalized confidential financial planning and investment management to its clients. One Degree Advisors, Inc. provides financial planning and investment management services that include (1) helping the client clarify his or her investment objectives, goals and time horizons, (2) creating a diversified portfolio based on those needs, and (3) investing and managing the portfolio on behalf of the client on a discretionary basis. One Degree Advisors, Inc. has discretionary authority to make trades in client accounts as dictated by its best judgment for each client’s situation without the client’s prior consent. One Degree Advisors, Inc. will evaluate all publicly traded investments, but primarily recommends to its clients institutional-style and no-load mutual funds and other low-cost investment vehicles, and for some clients, municipal notes and bonds and other fixed income securities. Assets under the direct management of One Degree Advisors, Inc. are held at an independent custodian in the client’s name. One Degree Advisors, Inc. does not have custody of client assets meaning that One Degree Advisors, Inc. does not hold client funds or securities either directly or indirectly and has no authority to obtain possession of them. Rather, One Degree Advisors, Inc. manages the assets under a limited power of attorney executed by the client. Prior to engaging One Degree Advisors, Inc. to provide services, clients are generally required to enter into an agreement with One Degree Advisors, Inc. setting the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to One Degree Advisors, Inc. beginning services. Subject to any written guidelines, which the client may provide, One Degree Advisors, Inc. will be granted discretion and authority to manage the client’s investment account(s). Accordingly, One Degree Advisors, Inc. is authorized to perform various functions, at the client’s expense, without further approval from the client. Such functions include making all investment decisions on the (a) securities purchased/sold and (b) the amount of securities to be purchased/sold. Once the portfolio is constructed, One Degree Advisors, Inc. provides ongoing supervision and rebalancing of the portfolio as changes in market conditions and client circumstances may require. 4 One Degree Advisors, Inc. | Item 4 – Advisory Business  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. One Degree Advisors, Inc. offers, but not on a regular basis, investments through a third-party investment adviser (“sub-adviser”). All sub-advisers to whom One Degree Advisors, Inc. refers its clients will be a registered investment adviser with the Securities and Exchange Commission or other appropriate jurisdictions. At the time of the referral to the sub-adviser, the clients receive full disclosure that includes detailed information on the services offered and other pertinent disclosures by delivery of a copy of the relevant sub-adviser’s Form ADV Part 2 or equivalent disclosure documents. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. After consultation with One Degree Advisors, Inc., clients may impose restrictions on investing in certain securities or types of securities. Other restrictions may be imposed by clients with respect to the (average or longest) maturity or credit quality of fixed income investments. In either case, all restrictions must be in writing. If requested by the client, One Degree Advisors, Inc. recommends the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from One Degree Advisors, Inc. One Degree Advisors, Inc. will, under certain circumstances, provide general financial advice on an hourly basis. Unless the client directs otherwise, One Degree Advisors, Inc. shall primarily recommend that all investment management accounts be maintained at Charles Schwab and Co., Inc. (Schwab). 5 One Degree Advisors, Inc. | Item 4 – Advisory Business  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Financial Institution Consulting Services One Degree Advisors, Inc. provides investment consulting services to certain broker/dealers’ customers (“Brokerage Customers”) who provide written consent requesting to receive the firm’s consulting services. Brokerage Customers have entered into a written advisory agreement with One Degree Advisors, Inc. Client Obligations In performing its services, One Degree Advisors, Inc. shall not be required to verify any information received from the client or from the client’s other professionals. Moreover, each client is advised that it remains his or her responsibility to promptly notify One Degree Advisors, Inc. if there is ever any change in the client’s financial situation or investment objectives during the client engagement. Disclosure Statement A copy of One Degree Advisors, Inc.’s written brochure as set forth on Part 2A of Form ADV shall be provided to each client prior to, or at the same time as, the execution of the Advisory Agreement. Any client who has not received a copy of One Degree Advisors, Inc.’s written brochure at least 48 hours prior to executing the Advisory Agreement shall have five business days subsequent to executing the agreement to terminate the One Degree Advisors, Inc.’s services without penalty. Amount of Assets Under Management As of December 31, 2024, One Degree Advisors, Inc. has $341.6 million of assets under management managed on a discretionary basis. Our Policies on Class Action, Bankruptcies, and Other Legal Proceedings Clients should note that One Degree Advisors, Inc. will not advise nor act on behalf of the client in legal proceedings involving companies whose securities are held or previously were held in the client’s account(s), including, but not limited to, the filing of “Proofs of Claim” in class action settlements. If desired, clients may direct One Degree Advisors, Inc., if documents have been received by One Degree Advisors, Inc., to transmit copies of class action notices to the client or a third party. Upon such direction, One Degree Advisors, Inc. will make commercially reasonable efforts to forward such notices in a timely manner. Participation in Wrap Fee Programs One Degree Advisors, Inc. does not sponsor any wrap fee program. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a client’s account is charged for investment supervisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions. 6 One Degree Advisors, Inc. | Item 4 – Advisory Business  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 5 – Fees and Compensation The client can determine to engage One Degree Advisors, Inc. to provide discretionary investment advisory services on a fee only basis. One Degree Advisors, Inc.’s investment advisory fee is based upon a percentage (%) of the market value of the assets placed in under One Degree Advisors, Inc. or a fixed fee. The maximum fee percentage is 1.99% of the assets under management and is based on the balance of the accounts managed and services provided. Investment advisory fees will be calculated on quarterly basis, in advance, at the beginning of each calendar quarter based on the average daily balance of the client’s account at the end of the previous quarter. The first quarter is due at the execution of the Advisory Agreement and is prorated to the end of that quarter. The annual fee for investment management services provided are based upon a percentage (%) of the market value of the Assets under management in accordance with the fee schedule in the Agreement signed by the Client. One Degree Advisors, Inc. considers cash to be an asset class and part of Assets under management and subject to the same fee calculation as the Client’s non-cash investments. Fees for financial planning services will vary, typically up to $5,000 paid quarterly in advance. The fee is determined by the services required and agreed upon in advance. The final fee, subject to negotiation, is directly dependent upon the facts and circumstances of the client’s financial situation and the complexity of the financial plan or services requested. Fees for financial planning services may be offset if the client utilizes the firm’s investment management service. Clients may provide written authorization to the custodian of their accounts to pay One Degree Advisors, Inc.’s fees from the client’s account. The account custodian does not verify the accuracy of One Degree Advisors, Inc.’s advisory fee calculation. The custodian will send the client a statement, at least quarterly, indicating all amounts disbursed from the account including the amount of advisory fees paid directly to One Degree Advisors, Inc. Commissions earned by Investment Adviser Representatives for the sale of insurance are assigned to One Degree Advisors, Inc. One Degree Advisors, Inc. offers consulting on a per hour basis for a fee of $250 for general financial advice related to client questions. The complexity of the topic(s) being discussed and the experience of the participating advisor are factors used to determine the fee. Financial Institution Consulting Services One Degree Advisory, Inc. receives a consulting fee based on the Assets Under Management from Brokerage Customers who have provided written consent to a broker/dealer to receive the investment consulting service from One Degree Advisors, Inc. and have entered into a written advisory contract with One Degree Advisors, Inc. 7 One Degree Advisors, Inc. | Item 5 – Fees and Compensation  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. The consulting fee is calculated on quarterly basis, in advance, at the beginning of each calendar quarter based on the balance of the client’s account at the end of the previous quarter. The first quarter is due at the execution of the Advisory Agreement and is prorated to the end of that quarter. The annual fee for investment management services provided are based upon a percentage (%) of the market value of the Assets under management in accordance with the fee schedule in the Agreement signed by the Client. One Degree Advisors, Inc. considers cash to be an asset class and part of Assets under management and subject to the same fee calculation as the Client’s non-cash investments. General Information Regarding Advisory Services and Fees One Degree Advisors, Inc. fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party investment and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Clients may also incur “account termination fees” upon the transfer of an account from one brokerage firm (custodian) to another. The range for these account termination fees is believed to range generally from $0 to $200 at present, but at times may be much higher. Clients should contact their custodians (brokerage firms, bank or trust company, etc.) to determine the amount of account termination fees that may be charged and deducted from their accounts for any existing accounts that may be transferred. One Degree Advisors, Inc. strives to use the lowest cost share class available to the client. There are times when there are constraints placed on these purchases, e.g., minimum purchase requirements imposed by the fund company or custodian (i.e., Schwab). Additional constraints exist when the firm recommends trades for client accounts held at Mutual Securities, Inc. When this occurs, the client will be notified when that trade is recommended. Such charges, fees and commissions are exclusive of and in addition to the firm’s fee, and the firm does not receive any portion of these commissions, fees, and costs. One Degree Advisors, Inc. can also invest a portion of your assets in mutual funds, exchange traded funds, variable annuities or other investments and charge a management fee on your assets invested in these securities. Therefore, you will pay two levels of fees for management of your assets: one directly to One Degree Advisors, Inc. and one indirectly to the managers of the mutual funds, exchange traded funds, variable annuities or other investments held in your portfolios. In addition, your representative can manage variable annuity account(s) held by insurance company custodians even though those annuity accounts are not linked to a One Degree 8 One Degree Advisors, Inc. | Item 5 – Fees and Compensation  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Advisors, Inc. advisory account. If annuity management service is provided, it is provided on a discretionary basis only, and you can be subject to additional advisory fees. The underlying assets may be bought directly through the mutual fund company or variable annuity company. Therefore, you could generally avoid the second layer of fees by making your own decisions regarding the mutual fund, exchange traded fund or variable annuity investment. However, in that case, you would not receive the investment management services provided by your representative. Item 12 further describes the factors that the firm considers in selecting or recommending broker-dealers for client transactions and determining the reasonableness of their compensation (e.g., commissions). The vast majority of clients pay One Degree Advisors, Inc.’s fees based upon a percentage of the assets we manage. This is a very common form of compensation for registered investment advisory firms and avoids the multiple inherent conflicts of interest associated with commission-based compensation. Asset-advised-upon percentage method of compensation can still at times lead to conflicts of interest between the firm and the client as to the advice provided. For example, conflicts of interest may arise relating to the following financial decisions in life: incur or pay down debt; gift funds to charities or to individuals; purchases of a (larger) home or cars or other non-investment assets; the purchase of a lifetime immediate annuity; expenditures of funds for travel or other activities; investment in private equity investments (private real estate ventures, closely held businesses, etc.), and the amount of funds to place in non-managed cash reserve accounts. We have adopted internal policies to properly manage these and other potential conflicts of interest. Our goal is that our advice to you remains at all times in your best interest, disregarding any impact of the decision upon our firm. Termination The client may terminate any new agreement without penalty by providing written notice of such cancellation to One Degree Advisors, Inc. within five (5) business days of the date of signing the agreement. Following the five-day cancellation period, the client may cancel the Advisory Agreement any time. The client will be responsible for payment of any fees for services rendered prior to the notice. One Degree Advisors, Inc. may only terminate the Agreement with thirty-day notice to Client of its intention to terminate the Agreement. Any prepaid fees will be returned to the client. One Degree Advisors, Inc. believes that the charges and fees offered within its program are competitive with alternative programs available through other firms offering a similar range of services; however, lower fees for comparable services may be available from other sources. A client could invest in mutual funds directly, without the services of One Degree Advisors, Inc. In that case, the client would not receive the services provided by One Degree Advisors, Inc. which are designed, among other things, to assist the client in determining which investments are most appropriate to each client's financial condition and objectives, undertake a disciplined approach to portfolio rebalancing while taking 9 One Degree Advisors, Inc. | Item 5 – Fees and Compensation  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. into account the tax ramifications of same, and to avoid ad hoc emotional reactions to shorter-term market events. Also, some of the funds used by the firm may not be available to the client directly without the use of an investment adviser granted access to such funds. One Degree Advisors, Inc.’s relationship with each client is non-exclusive; in other words, One Degree Advisors, Inc. provides investment advisory services and financial planning services to multiple clients. One Degree Advisors, Inc. seeks to avoid situations in which one client’s interest may conflict with the interest of another client. However, one circumstance which could arise is a sudden sharp downturn in the values of one or more stock asset classes, thereby triggering (under adopted investment policies with the vast majority of One Degree Advisors, Inc.’s clients) the need to rebalance the investment portfolios following the close of any business (trading) day. In this instance, One Degree Advisors, Inc. seeks to rebalance each client’s investment portfolio on a timely basis, keeping in mind that most mutual fund trades occur at the end of a trading day. 10 One Degree Advisors, Inc. | Item 5 – Fees and Compensation  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 6 – Performance-Based Fees and Side-By-Side Management Item 6 is not applicable to One Degree Advisors, Inc. One Degree Advisors, Inc. does not charge any performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client). Such acceptance or management would pose a significant conflict of interest to the client because performance-based fees may provide an incentive to favor such accounts over the accounts of clients under our other advisory programs. One Degree Advisors, Inc. considers avoidance of such conflict a paramount policy in maintaining our fiduciary duty to our clients. One Degree Advisors, Inc. | Item 6 – Performance-Based Fees and Side-By-Side Management 11  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 7 – Types of Clients One Degree Advisors, Inc. clients shall generally include high net worth individuals, business owners, and corporations. Client relationships vary in scope and length of service. 12 One Degree Advisors, Inc. | Item 7 – Types of Clients  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Before designing investment plans for clients, One Degree Advisors, Inc. will evaluate the client’s investments to determine whether the client’s goals harmonize with the client’s financial objectives. One Degree Advisors, Inc. will propose a portfolio to help clients attain their financial goals. In designing investment plans for clients, One Degree Advisors, Inc. relies upon the information supplied by the client and client’s other professional advisors. Such information may pertain to the client’s financial situation, estate planning, tax planning, risk management, short-term and long-term lifetime financial goals and objectives, investment time horizon, and perceived current tolerance for risk. One Degree Advisors, Inc. will design and propose a portfolio to help clients attain their financial goals. This information will become the basis for the strategic asset allocation plan that One Degree Advisors, Inc. believes will best meet the client’s stated long term personal financial goals. The strategic asset allocation provides for investments in those asset classes that One Degree Advisors, Inc. believes will possess attractive combinations of return, risk, and correlation over the long term. When One Degree Advisors, Inc. invests client assets, asset allocation techniques are used which include stocks and bonds of varying characteristics and from both the United States and foreign markets. One Degree Advisors, Inc. invests for the long term and expects that not all investments in a given portfolio will perform in unison with other assets in the same portfolio. One Degree Advisors, Inc. does not necessarily systematically rebalance the portfolio on a regular basis, but monitors each client’s asset allocation to make adjustments where appropriate. One Degree Advisors, Inc.’s portfolio management decisions are made considering only the assets being managed and not with regards to other investments the client may hold. One Degree Advisors, Inc. utilizes fundamental analysis. Fundamental analysis is performed on historical and present data, with the goal of making financial forecasts. The main sources of information include financial newspapers and magazines, research materials prepared by others, corporate rating services, annual reports, prospectuses, filings with the Securities and Exchange Commission, and company press releases. One Degree Advisors, Inc. also utilizes other statistical stock market data. Other sources that the firm may use include Morningstar mutual fund information, Morningstar stock information, and information available on the internet. Investment Strategies The primary investment strategy used on client accounts is asset allocation based on Modern Portfolio Theory. One Degree Advisors, Inc. develops a diversified investment portfolio by mixing different assets in varying proportions depending on client and current economic climate. The primary purpose of Asset Allocation is to reduce the risk in the portfolio, while maintaining or enhancing the rate of return of the portfolio. Portfolios are globally diversified to control the risk associated with traditional markets. 13 One Degree Advisors, Inc. | Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. One Degree Advisors, Inc. manages a variety of model portfolios based on client risk profiles, ranging from conservative to aggressive. One Degree Advisors, Inc. utilizes an analytic process of fund performance in each asset class on at least a quarterly basis in order to determine the holdings and weightings of the models. The models form the basis of the design of client asset allocations, though specific client interests and circumstances may add unique holdings to any portfolio. Each client receives investment advice regarding their portfolio based upon his or her: Income Needs • • Time Horizon • Risk Tolerance • Expected Rate of Return • Asset Class Preferences The investment vehicles primarily used to invest in the various asset classes are mutual funds and exchanged traded funds (ETFs). The mutual funds provide: • Professional Management • Diversification • Flexibility • Liquidity The investment strategy for a specific client is based upon the objectives stated by the client during consultations. The client may change these objectives at any time. Each client executes an Investment Policy Statement that documents their objectives, their desired investment strategy and any restrictions on investments requested by the client. Risk of Loss Investing in securities involves risk of loss that clients should be prepared to bear. One Degree Advisors, Inc.’s investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks: Interest-rate Risk: The risk that investment returns will be affected by changes in the level of interest rates. When interest rates increase, the prices and values of bonds decrease. When interest rates decrease, the prices and values of bonds increase. Market Risk: The risk that investment returns will be affected by changes in the overall level of the stock market. When the stock market as a whole, increases or decreases, virtually all stocks are affected to some degree. 14 One Degree Advisors, Inc. | Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Reinvestment Rate Risk: The risk incurred when an investment’s income is reinvested at a lower rate than the rate that existed at the time the original investment was made. This risk is most prevalent when interest rates fall. Purchasing Power Risk (Inflation Risk): The risk that inflation will affect the return of an investment in real dollars. In other words, the amount of goods that one dollar will purchase decreases with time. Investments that have low returns, such as savings accounts, are not likely to keep up with inflation. Investments with fixed returns, such as bonds, will decrease in value because their purchasing value will decrease with inflation. Business Risk: The risk associated with a particular industry or firm. These are factors that affect the industry or firm, but do not affect the whole market. They include government regulations, management competency, or local or regional economic factors. Financial Risk: The risk associated with the mix of debt and equity used to finance a firm. The greater the financial leverage, the greater the financial risk. Currency Risk (Exchange Rate Risk): The risk that a change in the value of a foreign currency relative to the U.S. dollar will negatively affect a U.S. investor’s return. Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. In general, cash equivalents provide liquidity with minimum income, and a return of principal with no capital appreciation. Cash equivalents are, however, subject to purchasing power risk. Fixed income investments provide current income. Usually, the longer the maturity of the security, the higher the income it will generate. Also, with longer maturities, fixed income investments will have greater price volatility and greater opportunity for capital gains or capital losses. Fixed income investments are subject to interest rate risk, reinvestment rate risk, and purchasing power risk. In addition, foreign bonds would be subject to currency rate risk and junk bonds would be subject to business risk and financial risk. The return of principal for bond funds and funds with significant underlying bond holdings is not guaranteed. Mutual fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal than higher rated bonds. Equity investments are subject to greater volatility, thus providing a greater opportunity for capital gains, and a greater opportunity for capital losses. Equity investments offer little or no current income. Equity investments are subject to market risk and interest rate risk, while providing an opportunity to protect against purchasing power risk. Also, 15 One Degree Advisors, Inc. | Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. stock mutual funds, rather than individual equities, may limit the exposure to business risk and financial risk. Investing outside the United States involves additional risks, such as currency fluctuations, periods of illiquidity and price volatility. These risks may be heightened in connection with investments in developing countries. Small-company stocks entail additional risks, and they can fluctuate in price more than larger company stocks. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. 16 One Degree Advisors, Inc. | Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 9 – Disciplinary Information Neither One Degree Advisors, Inc. nor its management persons have any reportable legal or disciplinary events. 17 One Degree Advisors, Inc. | Item 9 – Disciplinary Information  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 10 – Other Financial Industry Activities and Affiliations One Degree Advisors, Inc. associated persons are engaged in professions other than giving investment advice. Janice Thompson and Anthony Saffer are licensed insurance agents through numerous insurance companies. In such a capacity, they offer insurance products and receive normal and customary commissions as a result of such purchases. This may be viewed as a conflict of interest. Clients are under no obligation to act on these insurance recommendations or to affect the transaction through One Degree Advisors, Inc. A minimal amount of time is spent on this activity. In this capacity, all insurance commissions received will be donated to charity. Neither One Degree Advisors, Inc., nor its representatives, are registered or have an application pending to register, a commodity pool operator, a commodity trading advisor, or a representative of the foregoing. James Thomason owns a company, J.J. Thomason, Inc., where Mr. Thomason spends a portion of his workweek on business consulting activities, and receives compensation in the forms of fees. This may be viewed as a conflict of interest. Clients are under no obligation to use Mr. Thomason for business consulting services. . Financial Institutional Consulting Services One Degree Advisors, Inc. will contract directly with and receive payments from broker/dealers, insurance companies, investment companies, and other registered investment advisers to provide investment consulting services to the clients of those contracted financial institutions. Such contractual engagements do not include assuming discretionary authority over brokerage accounts or the monitoring of securities positions. Services offered to financial institution clients may include a general review of client investment holdings, which may or may not result in a One Degree Advisors, Inc. investment adviser representative making specific securities recommendations or offering general investment advice. One Degree Advisors, Inc. has an agreement(s) with broker/dealers to provide investment consulting services to Brokerage Customers. Broker/dealers pay compensation to One Degree Advisors, Inc. for providing investment consulting services to Customers. This consulting arrangement does not include assuming discretionary authority over Brokerage Customers’ brokerage accounts or the monitoring of securities. These consulting services offered to Brokerage Customers may include a general review of Brokerage Customers’ investment holdings, which will result in One Degree Advisors, Inc.’s investment adviser representative making specific securities recommendations or offering general investment advice. Brokerage Customers will execute a written advisory agreement directly with One Degree Advisors, Inc. This relationship presents conflicts of interest. Potential conflicts are mitigated by Brokerage Customers consenting to receive investment consulting services from One Degree Advisors, Inc.; by One Degree Advisors, Inc. not accepting or billing for additional compensation on broker/dealers’ Assets Under Management beyond the consulting fees disclosed in Item 5 in connection with the investment consulting services; and by One 18 One Degree Advisors, Inc. | Item 10 – Other Financial Industry Activities and Affiliations  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Degree Advisors, Inc. not engaging as, or holding itself out to the public as, a securities broker/dealer. One Degree Advisors, Inc. is not affiliated with any broker/dealer. 19 One Degree Advisors, Inc. | Item 10 – Other Financial Industry Activities and Affiliations  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 11 – Code of Ethics, Participation, or Interest in Client Transaction and Personal Trading One Degree Advisors, Inc. has adopted a Code of Ethics for all supervised persons of the firm describing its high standard of business conduct, and fiduciary duty to its clients. The Code of Ethics includes provisions relating to the confidentiality of client information, a prohibition on insider trading, a prohibition of rumor mongering, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All supervised persons at One Degree Advisors, Inc. must acknowledge the terms of the Code of Ethics annually, or as amended. One Degree Advisors, Inc. anticipates that, in appropriate circumstances consistent with clients’ investment objectives, it will cause accounts over which One Degree Advisors, Inc. has management authority to effect, and will recommend to investment advisory clients or prospective clients, the purchase or sale of securities in which One Degree Advisors, Inc., its affiliates and/or clients, directly or indirectly, have a position of interest. One Degree Advisors, Inc.’s employees and persons associated with One Degree Advisors, Inc. are required to follow One Degree Advisors, Inc. Code of Ethics. Subject to satisfying this policy and applicable laws, officers, directors and employees of One Degree Advisors, Inc. and its affiliates trade for their own accounts in securities which are recommended to and/or purchased for One Degree Advisors, Inc.’s clients. The Code of Ethics is designed to assure that the personal securities transactions, activities and interests of the employees of One Degree Advisors, Inc. will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Under the Code certain classes of securities have been designated as exempt transactions, based upon a determination that these would materially not interfere with the best interest of One Degree Advisors, Inc.’s clients. In addition, the Code requires pre-clearance of many transactions, and restricts trading in close proximity to client trading activity. Nonetheless, because the Code of Ethics in some circumstances would permit employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. Employee trading is continually monitored under the Code of Ethics, and to reasonably prevent conflicts of interest between One Degree Advisors, Inc. and its clients. One Degree Advisors, Inc.’s clients or prospective clients may request a copy of the firm's Code of Ethics by contacting us at (619) 282-3288. It is One Degree Advisors, Inc.’s policy that the firm will not affect any principal or agency cross securities transactions for client accounts. One Degree Advisors, Inc. will also not cross trades between client accounts. Principal transactions are generally defined as transactions where an adviser, acting as principal for its own account or the account of an affiliated broker-dealer, buys from or sells any security to any advisory client. A principal transaction may also be deemed to have occurred if a security is 20 One Degree Advisors, Inc. | Item 11 – Code of Ethics, Participation, or Interest in Client Transaction and Personal Trading  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. crossed between an affiliated hedge fund and another client account. An agency cross transaction is defined as a transaction where a person acts as an investment adviser in relation to a transaction in which the investment adviser, or any person controlled by or under common control with the investment adviser, acts as broker for both the advisory client and for another person on the other side of the transaction. Agency cross transactions may arise where an adviser is dually registered as a broker-dealer or has an affiliated broker-dealer. 21 One Degree Advisors, Inc. | Item 11 – Code of Ethics, Participation, or Interest in Client Transaction and Personal Trading  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 12 – Brokerage Practices Broker Selection/Recommendation In the event that the client requests that One Degree Advisors, Inc. recommend a broker dealer/custodian for execution and/or custodial services, One Degree Advisors, Inc. generally recommends that investment management accounts be maintained at Charles Schwab and Co., Inc. (Schwab), an unaffiliated SEC-registered broker dealer to maintain custody of clients' assets and to effect trades for their accounts. Schwab is independently owned and operated and not affiliated with One Degree Advisors, Inc. and does not supervise or otherwise monitor One Degree Advisors, Inc.’s investment management services to its clients. Schwab provides One Degree Advisors, Inc. with access to its institutional trading and custody services, which typically are not available to Schwab retail investors. Schwab's services include brokerage, custody, research and access to mutual funds and other investments that are otherwise generally available only to institution investors or would require a significantly higher minimum initial investment. Factors that One Degree Advisors, Inc. considers in recommending Schwab (or any other broker-dealer/custodian to clients) include financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by One Degree Advisors, Inc.’s clients shall comply with the One Degree Advisors, Inc.'s duty to obtain best execution, a client may pay a commission that is higher than another qualified broker-dealer might charge to effect the same transaction where One Degree Advisors, Inc. determines, in good faith, that the commission/transaction fee is reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of broker-dealer services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although One Degree Advisors, Inc. will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client account transactions. The brokerage commissions or transaction fees charged by the designated broker-dealer/custodian are exclusive of, and in addition to, One Degree Advisors, Inc.’s investment management fee. One Degree Advisors, Inc.’s best execution responsibility is qualified if securities that it purchases for client accounts are mutual funds that trade at net asset value as determined at the daily market close. For the benefit of no commissions or transaction fees, fully digital account opening, a large variety of security options and complete integration with software tools to produce better client outcomes, One Degree Advisors, Inc. recommends Altruist Financial LLC, an unaffiliated SEC-registered broker dealer and FINRA/SIPC member, as the clients' custodian. One Degree Advisors, Inc. does not receive any research or other soft-dollar benefit by nature from its relationship with Altruist Financial LLC, nor does One Degree Advisors, Inc. receive any referrals in exchange for using Altruist Financial LLC as a broker dealer. 22 One Degree Advisors, Inc. | Item 12 – Brokerage Practices  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Soft Dollars Although not a material consideration when determining whether to recommend that a client utilize the services of a particular broker-dealer/custodian, One Degree Advisors, Inc. receives from Schwab (or another broker-dealer/custodian) without cost (and/or at a discount) support services and/or products, certain of which assist One Degree Advisors, Inc. to better monitor and service client accounts maintained at such institutions. Included within the support services that are obtained by One Degree Advisors, Inc. is investment-related research, pricing information and market data, software and other technology that provide access to client account data, compliance and/or practice management-related publications, discounted or gratis consulting services, discounted and/or gratis attendance at conferences, meetings, and other educational and/or social events, marketing support, computer hardware and/or software and/or other products used by One Degree Advisors, Inc. in furtherance of its investment advisory business operations. As indicated above, certain of the support services and/or products that are received assist One Degree Advisors, Inc. in managing and administering client accounts. Others do not directly provide such assistance, but rather assist One Degree Advisors, Inc. to manage and further develop its business enterprise. One Degree Advisors, Inc. may have an incentive to select or recommend a broker- dealer/custodian based on adviser’s interest in receiving research, products, or services rather than on adviser’s interest in receiving most favorable execution. One Degree Advisors, Inc.’s clients do not pay more for investment transactions effected and/or assets maintained at Schwab as a result of this arrangement. There is no corresponding commitment made by One Degree Advisors, Inc. to Schwab or any other any entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as result of the above arrangement. One Degree Advisors, Inc.’s Chief Compliance Officer, Anthony Saffer, remains available to address any questions that a client or prospective client may have regarding the above arrangement and any corresponding perceived conflict of interest such arrangement may create. To the extent that One Degree Advisors, Inc. provides investment management services to its clients, the transactions for each client account generally will be affected independently, unless One Degree Advisors, Inc. decides to purchase or sell the same securities for several clients at approximately the same time. One Degree Advisors, Inc. may (but is not obligated to) combine or “bunch” such orders to obtain best execution, to negotiate more favorable commission rates or to allocate equitably among One Degree Advisors, Inc.’s client differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among clients in proportion to the purchase and sale orders placed for each client account on any given day. One Degree Advisors, Inc. shall not receive any additional compensation or remuneration as a result of such aggregation. 23 One Degree Advisors, Inc. | Item 12 – Brokerage Practices  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Schwab provides the clients with consolidated statements. One Degree Advisors, Inc.’s employees are not registered representatives of Schwab and do not receive any commissions or fees from recommending these services. Directed Brokerage One Degree Advisors, Inc. does not allow clients to direct when a particular broker or custodian will be used. 24 One Degree Advisors, Inc. | Item 12 – Brokerage Practices  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 13 – Review of Accounts Portfolio Reviews and Rebalancing of the client’s portfolio, for the assets held under management with One Degree Advisors, Inc., will be undertaken: (1) periodically as determined by One Degree Advisors, Inc.; (2) upon request by the client, and (3) upon a substantial asset class decline, under the following adopted policies and procedures. All account reviews are conducted by the investment adviser representatives of the firm. Periodic Portfolio Reviews are undertaken by Investment Adviser Representatives of One Degree Advisors, Inc. to ascertain if the values in any asset class have strayed beyond their target minimums or maximums, and for purposes of meeting a client’s cash flow needs. Even if one or more asset classes fall outside their target minimums or maximums, the advisor may determine not to rebalance the asset class for various reasons, such as avoidance of short-term capital gains, deferring long-term capital gains realization, minimization of transaction costs, or our view on whether the asset class is undervalued or overvalued relative to historic norms and our view of the level of the macroeconomic risks to which the asset class may be exposed. Such in-house portfolio reviews are subject to additional restrictions set forth below. Additional Portfolio Reviews are undertaken upon request by the client, such as when special cash needs arise or when additional cash or securities are added to the investment portfolio. One Degree Advisors, Inc. will respond to such requests within a reasonable period of time. Portfolio Reports Provided to Clients Clients may also directly access account information at the custodians with which the accounts are held online (specifically, Schwab each and every day, via the secure web sites of these institutions. Monthly or Quarterly Statements are sent to the client directly from the corresponding brokers, banks, mutual funds, partnership sponsors, and/or insurance companies which hold the client’s investments. These statements reflect the assets in the custodian’s custody, together with confirmations of each transaction executed in the account(s) if desired by the client. For some custodians, the client may elect to receive these statements by e-mail rather than U.S. mail. 25 One Degree Advisors, Inc. | Item 13 – Review of Accounts  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 14 – Client Referrals and Other Compensation As disclosed in Item 12 above, One Degree Advisors, Inc. receives an indirect economic benefit from Schwab. One Degree Advisors, Inc., without cost (and/or at a discount), receives support services and/or products from Schwab. One Degree Advisors, Inc. clients do not pay more for investment transactions placed and/or assets maintained at Schwab as a result of this arrangement. There is no corresponding commitment made by One Degree Advisors, Inc. to Schwab or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities, or other investment products as a result of this arrangement. One Degree Advisors, Inc. may provide referrals to other investment advisory firms as a service to clients. However, One Degree Advisors, Inc. does not have agreements with or receive referral fees from any other advisors. One Degree Advisors, Inc. does not receive, nor does it pay, any fees for client referrals. One Degree Advisors, Inc. participates in the Altruist Match program of Altruist LLC, an SEC-registered investment adviser and affiliate of Altruist Financial LLC. The Altruist Match program allows prospective clients to screen and identify participating investment advisers based on criteria specified by the prospective client. One Degree Advisors, Inc. pays Altruist LLC compensation equal to the greater of twenty percent (20%) of any revenue received by One Degree Advisors, Inc. from a matched client’s household and $100 (one hundred dollars) annually. One Degree Advisors, Inc. is obligated to pay Altruist a termination fee if One Degree Advisors, Inc. transfers client assets off the Altruist platform within five years of a matched client becoming a client of One Degree Advisors, Inc., which presents a conflict of interest for One Degree Advisors, Inc. in connection with any advice or recommendation to a client on whether the client should remain on the Altruist platform. Altruist Financial LLC also receives revenue on brokerage accounts opened through the Altruist platform, Altruist Corp receives fees from One Degree Advisors, Inc. for access to the Altruist platform, and Altruist LLC receives Model Marketplace fees from One Degree Advisors, Inc. or its clients who participate in the Altruist LLC Model Marketplace, according to the instruction of One Degree Advisors, Inc. 26 One Degree Advisors, Inc. | Item 14 – Client Referrals and Other Compensation  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 15 – Custody It is our policy to not accept custody of a client’s securities. In other words, One Degree Advisors, Inc. is not granted access to clients that would enable us to withdraw or transfer or otherwise move funds or cash from any client account to our accounts or the account of any third party (other than for purposes of fee deductions, as explained below). This is for the safety of our clients’ assets. However, with a client’s consent, One Degree Advisors, Inc. is provided with the authority to seek deduction of One Degree Advisors, Inc.’s fees from a client’s accounts. All clients receive account statements directly from qualified custodians, such as a bank or broker dealer that maintains those assets. If you are not receiving at least quarterly custodial account statements, please contact us at the number on the cover page of this brochure. 27 One Degree Advisors, Inc. | Item 15 – Custody  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 16 – Investment Discretion One Degree Advisors, Inc. usually receives discretionary authority from the client at the outset of an advisory relationship to select the identity and amount of securities to be bought or sold. Prior to One Degree Advisors, Inc. assuming discretionary authority over a client’s account, the client shall be required to execute an Investment Advisory Agreement, granting One Degree Advisors, Inc. authority to buy, sell, or otherwise effect investment transactions. In addition, any investment discretion is obtained in writing through a limited power of attorney signed by the client prior. In all cases, however, such discretion is to be exercised in a manner consistent with the stated investment objectives for the particular client account. Discretionary authority allows One Degree Advisors, Inc. to perform trades in the client’s account without further approval from the client. This includes decisions on the following: • Securities purchased or sold • The amount of securities to be purchased or sold Once the portfolio is constructed, One Degree Advisors, Inc. provides ongoing supervision and rebalancing of the portfolio as changes in market conditions and client circumstances may require. One Degree Advisors, Inc. seeks to undertake a minimal amount of trading in client accounts, in order to keep transaction fees, other expenses, and tax consequences associated with trading to minimal levels. Clients who engage One Degree Advisors, Inc. on a discretionary basis may, at any time, impose restrictions, in writing, on One Degree Advisors, Inc.’s discretionary authority (i.e., limit the types/amounts of particular securities purchased for their account, exclude the ability to purchase securities with an inverse relationship to the market, limit or proscribe One Degree Advisors, Inc.’s use of margin, etc.). 28 One Degree Advisors, Inc. | Item 16 – Investment Discretion  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 17 – Voting Client Securities One Degree Advisors, Inc. does not have any authority to and does not vote proxies on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. One Degree Advisors, Inc. may provide advice to clients regarding the clients’ voting of proxies. Clients will receive their proxies or other solicitations directly from their custodian. 29 One Degree Advisors, Inc. | Item 17 – Voting Client Securities  January 1, 2025 FORM ADV PART 2A (“FIRM BROCHURE”) FOR ONE DEGREE ADVISORS, INC. Item 18 – Financial Information One Degree Advisors, Inc. does not require the prepayment of more than $1,200 in fees per client, six months or more in advance. One Degree Advisors, Inc. accepts limited forms of discretion over clients’ accounts, as described in Item 16 of this brochure. One Degree Advisors, Inc. is unaware of any financial condition that is reasonably likely to impair its ability to meet contractual commitments to clients. One Degree Advisors, Inc. has never been the subject of a bankruptcy proceeding. 30 One Degree Advisors, Inc. | Item 18 – Financial Information  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) Anthony Saffer One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 anthony@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about Anthony Saffer that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about Anthony Saffer also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 3259751. One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV) 31  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience Anthony Saffer was born in 1977. Formal Education After High School: • B.A., Business Economics, University of San Diego Professional Designations: Certified Financial Planner (CFP®) – The current requirement for this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Certified Kingdom Advisor (CKA®) – designation is issued by Kingdom Advisors, Inc. to financial professionals who meet certain educational, ethical, and experience-based criteria. To obtain the designation, individuals must complete coursework on applying biblical financial principles, pass an examination, demonstrate technical competence through an approved professional designation or substantial industry experience, and agree to uphold the Kingdom Advisors Code of Ethics. Designees also commit to ongoing accountability and adherence to biblical stewardship practices. Business Background • One Degree Advisors, Inc., 2022 to present, CEO/President and Financial Advisor • One Degree Advisors, Inc., 2024 to present, Chief Compliance Officer • One Degree Advisors, Inc., fka Coleman & Johnson Financial Advisors, 2006 to 2022, Investment Adviser Representative • One Degree Advisors, Inc., fka Coleman & Johnson Financial Advisors, 2016 to present, Vice President/Secretary • Securities America, Inc., 2014 to 2019, Registered Representative • Securities America Advisors, Inc., 2014 to 2019, Investment Adviser Representative 32 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. • Cetera Advisor Networks, LLC, 2006 to 2014, Registered Representative, Investment Adviser Representative • Waddell & Reed, 1999 to 2006, Registered Representative Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities Anthony Saffer is a licensed agent with several life, disability, and other insurance companies. In such a capacity, Mr. Saffer may offer insurance products and receive the normal and customary commissions as a result of such a purchase. All compensation for such insurance sales is paid to Mr. Saffer who then signs the income over to One Degree Advisors, Inc. Anthony spends a limited amount of his time on this activity. Item 5 – Additional Compensation All additional compensation is disclosed in Item 4 above. Item 6 – Supervision Anthony Saffer’s work is overseen by partner, Janice Thompson. Ms. Thompson can be reached at (619) 282-3288. 33 One Degree Advisors, Inc. |  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) Janice A. Thompson One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 Janice@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about Janice Thompson that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about Janice Thompson also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 3034523. 34 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience Janice Thompson was born in 1953. Formal Education After High School: • MS, Financial Services with an emphasis in Estate Planning and Investments, 2001, American College • BS, Business Administration, 1995, San Diego Christian College • Communications (no degree obtained), 1974, Biola University Professional Designations: Certified Financial Planner (CFP®) – The current requirements for this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Certified Kingdom Advisor (CKA®) – designation is issued by Kingdom Advisors, Inc. to financial professionals who meet certain educational, ethical, and experience-based criteria. To obtain the designation, individuals must complete coursework on applying biblical financial principles, pass an examination, demonstrate technical competence through an approved professional designation or substantial industry experience, and agree to uphold the Kingdom Advisors Code of Ethics. Designees also commit to ongoing accountability and adherence to biblical stewardship practices. Certified Exit Planning Advisor (CEPA) – This designation is currently offered by Exit Planning Institute. Candidates must meet all the following requirements: • Five years of full-time or equivalent experience working directly with business owners as a financial advisor, attorney, CPA, business broker, investment banker, commercial lender, estate planner, insurance professional, business consultant or in a related capacity • Undergraduate degree from a qualifying institution; if no qualifying degree must submit additional professional work experience (two years of relevant professional experience may be substituted for each year of required undergraduate studies) • Exit Planning Institute member in good standing 35 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. There is a five-day educational program and a final exam. There are 40 hours of continuing education every three years. Business Background • One Degree Advisors, Inc., 2023 to present, Vice President, CFO, and , Financial Advisor • One Degree Advisors, Inc., 2014 to 2022, CEO and Investment Adviser Representative • Strategic Financial Solutions, Inc., 2001-2014, President • Securities America, Inc., 2003 to 2019, Registered Representative • Securities America Advisors, Inc., 2003 to 2019, Investment Adviser Representative Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities As discussed in Item 10 of the ADV Part 2A, Janice Thompson is a licensed agent with several life, disability, and other insurance companies. In such a capacity, Ms. Thompson may offer insurance products and receive the normal and customary commissions as a result of such a purchase. All compensation for such insurance sales is paid to Ms. Thompson who then signs the income over to One Degree Advisors, Inc. Janice spends a limited amount of her time on this activity. Item 5 – Additional Compensation All additional compensation is disclosed in Item 4 above. Item 6 – Supervision Anthony Saffer, Chief Compliance Officer is responsible for developing, overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Mr. Saffer can be reached at (619) 282-3288. 36 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) Alexander E. Okugawa One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 alex@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about Alexander Okugawa that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about Alexander Okugawa also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 6489972. 37 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience Alexander Okugawa was born in 1993. Formal Education After High School: • B.S., Economics, 2015, University of Redlands • Executive Certificate in Financial Planning, 2016, Indiana Wesleyan University Professional Designations: Certified Financial Planner (CFP®) – The current requirement for this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Certified Kingdom Advisor (CKA®) – designation is issued by Kingdom Advisors, Inc. to financial professionals who meet certain educational, ethical, and experience-based criteria. To obtain the designation, individuals must complete coursework on applying biblical financial principles, pass an examination, demonstrate technical competence through an approved professional designation or substantial industry experience, and agree to uphold the Kingdom Advisors Code of Ethics. Designees also commit to ongoing accountability and adherence to biblical stewardship practices. Certified Exit Planning Advisor (CEPA) – This designation is currently offered by Exit Planning Institute. Candidates must meet all the following requirements: • Five years of full-time or equivalent experience working directly with business owners as a financial advisor, attorney, CPA, business broker, investment banker, commercial lender, estate planner, insurance professional, business consultant or in a related capacity • Undergraduate degree from a qualifying institution; if no qualifying degree must submit additional professional work experience (two years of relevant professional experience may be substituted for each year of required undergraduate studies) • Exit Planning Institute member in good standing There is a five-day educational program and a final exam. There are 40 hours of continuing education every three years. 38 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Business Background • One Degree Advisors, Inc, 2023 to present, Secretary and Financial Advisor • One Degree Advisors, Inc., 2019 to present, Investment Adviser Representative • One Degree Advisors, Inc., 2015 to 2019, Advisor Support Specialist • Securities America, Inc., 2019, Registered Representative • Securities America Advisors, Inc., 2019, Investment Adviser Representative Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities Mr. Okugawa has no outside business activities. Item 5 – Additional Compensation Mr. Okugawa has no compensation outside of his work with One Degree Advisors, Inc. Item 6 – Supervision Anthony Saffer, Chief Compliance Officer is responsible for developing, overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Mr. Saffer can be reached at (619) 282-3288. 39 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) Matthew S. Calcagno One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 matt@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about Matthew Calcagno that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about Matthew Calcagno also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 7138915. 40 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience Matthew Calcagno was born in 1997. Formal Education After High School: • B.S., Finance, 2020, Point Loma Nazarene University • Executive Certificate in Financial Planning, 2021, Indiana Wesleyan University Professional Designations: Certified Financial Planner (CFP®) – The current requirement for this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Business Background • One Degree Advisors, Inc., 2023 to present, Financial Advisor • One Degree Advisors, Inc., 2020 to 2022, Financial Planning Associate • LPL Financial, 2019 to 2020, Risk Analyst • Torreycove Capital Partners, LLC. 2019, Data Analyst • Alameda County District Attorney’s Office., 2018, Law Clerk Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities Mr. Calcagno has no outside business activities. Item 5 – Additional Compensation Mr. Calcagno has no compensation outside of his work with One Degree Advisors, Inc. 41 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 6 – Supervision Anthony Saffer, Chief Compliance Officer, is responsible for developing, overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Mr. Saffer can be reached at (619) 282-3288. 42 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) Philip. J. Reuer One Degree Advisors, Inc. 8880 Rio San Diego Drive, Suite 1000 San Diego, CA 92108 (619) 282-3288 philip@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about Philip Reuer that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about Philip Reuer also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 8045419. 43 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience Philip Reuer was born in 1991. Formal Education After High School: • Master of Finance, Financial Planning, 2022, Liberty University • Masters of Exercise Science, 2017, South Dakota State University • Bachelors of Exercise Science, 2014, Valley City State University Professional Designations: Certified Financial Planner (CFP®) – The current requirement for this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Business Background • One Degree Advisors, Inc., 2022 to present, Financial Advisor • One Degree Advisors, Inc., 2023 to 2024, Associate Advisor • One Degree Advisors, Inc., 2022, Financial Planning Associate Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities Mr. Reuer has no outside business activities. Item 5 – Additional Compensation Mr. Reuer has no compensation outside of his work with One Degree Advisors, Inc. Item 6 – Supervision Anthony Saffer, Chief Compliance Officer, is responsible for developing, overseeing and enforcing the firm’s compliance programs that have been established to monitor and 44 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. supervise the activities and services provided by the firm and its representatives. Mr. Saffer can be reached at (619) 282-3288. 45 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Brochure Supplement (Part 2B of Form ADV) James (Jody) J. Thomason One Degree Advisors, Inc. 5150 East Pacific Coast Highway Long Beach CA 90804 (619) 282-3288 jody@onedegreeadvisors.com www.onedegreeadvisors.com This brochure supplement provides information about James J. Thomason that supplements the One Degree Advisors, Inc.’s brochure. You should have received a copy of that brochure. Please contact us at (619) 282-3288 if you did not receive the One Degree Advisors, Inc. brochure or if you have any questions about the contents of this brochure. Additional information about James J. Thomason also is available on the SEC’s website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number, 1074745. 46 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 2 – Educational Background and Business Experience James Thomason was born in 1939. Formal Education After High School: • Pacific Coast Banking School, Banking and Finance certification; 1969 • San Jose State College, 1958; no degree obtained Professional Designations: Certified Financial Planner (CFP®) - this certification is obtained by completing an advanced college-level course of study addressing the financial planning subject areas that the CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam (administered in 10 hours over a 2-day period) and agreeing to be bound by the CFP Board's standard of professional conduct. As a prerequisite, the IAR must have a bachelor's degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least 3 years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every 2 years and renewing an agreement to be bound by the standards of professional conduct. Accredited Investment Fiduciary® (AIF®) - AIF® designees are licensed by the Center for Fiduciary Studies, a part of the Fi360 company. AIF certification requirements include: • Successful completion of the 90-minute, closed-book, 60 question AIF exam, indicating at least 75% correct answers • Successful completion of six hours of continuing professional education annually, four hours of which are Fi360 Training continuing education • Sign and agree to abide by the Code of Ethics annually Business Background • One Degree Advisors, Inc., 2018 to present, Investment Adviser Representative • Securities America, Inc., 1994 to 2019, Registered Representative • Securities America Advisors, Inc., 1994 to 2019, Investment Adviser Representative • J.J. Thomason, Inc., 1977 to present , President, Business Consulting 47 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)  January 1, 2025 FORM ADV PART 2B (“BROCHURE SUPPLEMENT”) FOR ONE DEGREE ADVISORS, INC. Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities James Thomason has a business consulting firm, J.J. Thomason, Inc. where he spends a limited amount of time on this activity. Item 5 – Additional Compensation Mr. Thomason receives additional compensation for his consulting work through his firm, J.J. Thomason outside of his work with One Degree Advisors, Inc. Item 6 – Supervision Anthony Saffer, Chief Compliance Officer is responsible for developing, overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Mr. Saffer can be reached at (619) 282-3288. 48 One Degree Advisors, Inc. | Brochure Supplement (Part 2B of Form ADV)