OROGRAPHIC FINANCIAL ADVISORS

ITEM 1 – COVER PAGE ADV PART 2A-2B DECEMBER 11, 2025 OROGRAPHIC FINANCIAL ADVISORS, LLC 210 B LARKSPUR LANE AVON, CO 81620 (720) 323-9944 This brochure provides information about the qualifications and business practices of Orographic Financial Advisors, LLC (“Orographic”). If you have any questions about the contents of this brochure, please contact us at (720) 323-9944. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Orographic is a Registered Investment Adviser. Registration as an Investment Adviser with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Orographic Financial Advisors, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site using our IARD number which is 323980.  ITEM 2 – MATERIAL CHANGES SUMMARY OF MATERIAL CHANGES This Brochure has been updated further to the last brochure dated March 13, 2025, and updates our minimum annual advisory fee and our hourly financial planning fee. In the future, this section will discuss specific material changes that are made to the Brochure and provide clients with a summary of such changes. Following the SEC and state rules, we will ensure that clients receive a summary of any materials changes to this and subsequent Brochures within 120 days of the close of the Advisor’s fiscal year. We will provide other ongoing disclosure information about material changes, as necessary. Currently, a free copy of our Brochure may be requested by contacting Orographic Financial Advisors, LLC at (720) 323-9944. The Brochure is also available on our web site orographicfinancial.com. ITEM 3 – TABLE OF CONTENTS ITEM 1 – COVER PAGE 0 ITEM 2 – MATERIAL CHANGES 1 ITEM 3 – TABLE OF CONTENTS 1 ITEM 4 – ADVISORY BUSINESS 2 ITEM 5 - FEES AND COMPENSATION 3 ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT 3 ITEM 7 - TYPES OF CLIENTS 3 ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS 4 ITEM 9 - DISCIPLINARY INFORMATION 5 ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS 5 ITEM 11 - CODE OF ETHICS 5 ITEM 12 - BROKERAGE PRACTICES 6 ITEM 13 - REVIEW OF ACCOUNTS 6 ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION 7 ITEM 15 – CUSTODY 7 ITEM 16 – INVESTMENT DISCRETION 7 ITEM 17 – VOTING YOUR SECURITIES 7 ITEM 18 – FINANCIAL INFORMATION 7 ADV PART 2B 8 OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 1  ITEM 4 – ADVISORY BUSINESS Orographic Financial Advisors, LLC (“Orographic”) was established in 2022 to provide Wealth Management and Financial Planning for individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts, and estates. Orographic is owned by Bo Pihl and Lesley Shiffrin. WEALTH MANAGEMENT Through its investment advisor representatives (“Representatives”) Orographic provides Wealth Management that includes ongoing investment management, portfolio trading and rebalancing. For our Wealth Management, we can utilize any investments available through the custodian selected by the client. Every client has a different financial situation, so we tailor our Wealth Management to match the client’s specific investment goals and objectives. We manage accounts on a discretionary basis, which means we execute the day-to-day transactions without seeking prior client consent. In some cases, we may have the option to utilize an investment of either a mutual fund or exchange-traded fund that has no transaction fees. In our decision to purchase these investments, we consider our expected holding period of the fund, the position, performance, size, and the expense ratio of the fund versus alternative funds. Depending on our analysis and future events, a no transaction fund might not always be in the best interest of our clients. Clients may impose reasonable restrictions on our investing in certain securities, types of securities, or industry sectors, provided the restrictions are provided in writing. It is important that clients notify us immediately if circumstances have changed with respect to their financial situation. FINANCIAL PLANNING Orographic provides Financial Planning where we engage clients in conversations around the family goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, our team will offer Financial Planning and strategies to address the client’s holistic financial picture, including estate, income tax, charitable, cash flow, wealth transfer, and family legacy objectives. Our team works with our client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets, and periodic updates. All Financial Planning clients are unique and require different services that we provide such as: (1) Review and clarification of your financial goals; (2) Assessment of your overall financial position including cash flow, balance sheet, investment strategy, risk management, and estate planning; (3) Creation of a unique plan for each goal you have for real estate, education, retirement or financial independence, charitable giving, estate planning, business planning, business succession, and other personal goals; (4) Development of a goal-oriented investment plan; (5) Design of a risk management plan including risk tolerance, risk avoidance and mitigation; and (6) Crafting and implementation of, in conjunction with your estate and/or corporate attorneys as tax advisor, an estate plan to provide for you and/or your heirs in the event of an incapacity or death. A written evaluation of each client's initial situation or Financial Plan may be provided to the client. An annual review can be provided by the Advisor, if indicated by the Client and Advisor per the agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. ASSETS As of December 31, 2024, we managed $170,436,300 on a discretionary basis. We do not manage any assets under a wrap fee program. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 2  ITEM 5 - FEES AND COMPENSATION WEALTH MANAGEMENT Orographic charges advisory fees (“Advisory Fees”) for Wealth Management which are calculated as a percentage of assets under management (“Assets”). Our standard annual Advisory Fee is 1.00% with a minimum annual Advisory Fee of $2,500. However, we have some clients on a lower fee schedule or waived minimum fee based on the individual client circumstances, familial relationships, complexity of relationship, existing client, etc. When you engage us, you will sign an Advisory Agreement that fully discloses our Advisory Fee and gives us authorization to debit our fee directly from your accounts. The Advisory Fee is calculated quarterly in arrears based upon the average value of the Assets over the previous quarter, subject to one-quarter of the minimum annual Advisory Fee. The Assets include all positions in the accounts, cash, declared and paid dividends, accrued income and interest payments, unless specifically excluded or restricted from billing in writing by the client. Clients are also responsible for all transaction charges, fees and other expenses charged and imposed by the custodian who holds the Assets, which is separate and in addition to our Advisory Fees. Additionally, clients may incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Accordingly, clients should review the fees charged by the investments, custodian, and our Advisory Fee to fully understand the total amount of the fees being paid. The investments selected for the clients are not exclusively available to us and could be obtained through other unaffiliated firms and potentially at a lower fee. FINANCIAL PLANNING Financial Planning is included in the Advisory Fee for our Wealth Management clients. For standalone Financial Planning, our fixed fee is up to $4,000 per plan or up to $375 per hour. Under our fixed fee arrangement, any fee will be agreed in advance of services being performed and clearly shown on the Financial Planning agreement. The fee will be determined based on factors including the complexity of your financial situation, agreed upon deliverables, and whether you intend to implement any recommendations through Orographic. Typically, we complete a plan or financial assessment within a month and will present it to you within 90 days of the contract date, if you have provided us with all information needed to prepare the financial plan. Planning Fees are billed at the execution of the Financial Planning Agreement. You may terminate the financial planning agreement by providing us with written notice. There is no penalty for termination of your financial planning agreement prior to the plan being delivered to you. Representatives are licensed insurance agents; however, they are not affiliated with any insurance companies or insurance agents and will not sell any insurance products or services. Clients are free to enact any aspect of the financial recommendations with a financial provider of their choice. ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT We do not charge advisory fees on a share of the capital appreciation of the funds or securities in a client account (so-called performance-based fees). ITEM 7 - TYPES OF CLIENTS We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts and estates. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 3  ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS METHODS OF ANALYSIS AND INVESTMENT STRATEGIES We will use our best judgment as well as client inputs such as risk tolerance, time horizon, objectives/goals, liquidity needs, and suitability factors when choosing investments and constructing portfolios. Our investment philosophy includes Modern Portfolio Theory (“MPT”). MPT states that investments should be selected based on how they interact with one another, rather than how they perform in isolation. When selecting individual investments to be included in a portfolio we will utilize some or all of the following methods: Fundamental, Technical, Cyclical, and Macroeconomic analysis. Additionally, we utilize numerous sources of information to provide advice, including but not limited to: financial newspapers and magazines, websites, research materials and software prepared by third parties, annual reports, prospectuses and filings with the SEC, company press reports, as well as our proprietary analysis of data and information. It is important to know that all methods of analysis include specific risks, including timing errors, inaccurate information, economic impacts, and other factors that can impact client investment performance. We may utilize long-term purchases (securities held at least a year) and short-term purchases (securities sold within a year) when implementing investment advice. Short term purchases may increase costs and may also increase the tax obligation of the portfolio. Investments may also be made on margin, which may increase the costs due to the interest payments on the margin loan balance. Option strategies may also be implemented, which carry the risk of expiration with no value, as well as called equity positions, which could create a risk of taxation. The types of securities include, but are not limited to the following: equities, fixed income (corporate debt, municipal bonds, certificates of deposit, etc.), mutual funds, unit investment trusts, options, exchange traded funds, U.S. Government issues securities, real estate investment trusts, limited partnerships and direct participation programs. RISK OF LOSS A client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws and national and international political circumstances. Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Orographic will assist Clients in determining an appropriate strategy based on their tolerance for risk. Financial Planning: Risks associated with the financial planning process include the possibility that the investment performance, interest rates, inflation assumptions, and longevity assumptions used in the development of client’s financial plan turn out to be materially different than the actual future investment performance, interest rate, inflation, and life span. Differences between the assumptions used in the plan and actual events can materially affect the results of the financial plan over long periods of time. While we base our assumptions on historical information, clients must acknowledge that past performance or events might not be indicative of the future returns. Investing: Investing is not without risk and involves the risk of loss of principal which clients should be prepared to bear. We use several strategies to try to reduce risk, including diversifying a portfolio across multiple asset classes. Despite these strategies, every asset class has experienced severe declines in value, sometimes over many years. Asset Class Risk: Securities in client portfolios or in underlying investments such as mutual funds may underperform in comparison to the general securities markets or other asset classes. Issuer Risk: Client account performance depends on the performance of individual securities selected in client accounts. Any issuer may perform poorly or be unable to continue operations, causing the value of its securities to decline or default. Management Risk: The performance of client accounts is subject to the risk that our investment management strategy may not produce the intended results. Market Risk: Client accounts can lose money over short periods due to short-term market movements and over longer periods during market downturns. The value of a security may decline due to general market conditions, economic trends, or events that are not specifically related to the issuer of the security or to factors that affect a particular industry or industries. Passive Investment Risk: We may use a passive investment strategy that is not actively managed where we do not attempt to take defensive positions in declining markets. Liquidity Risk: A security may not be able to be sold at the time desired which can impact performance. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 4  ‐ Interest Rate Risk: An increase in interest rates may cause the value of fixed income securities and funds that hold these securities to decline in value. Securities with longer durations tend to be more sensitive to interest rate changes, usually making them more volatile than securities with shorter durations. Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, because purchasing power is eroding at the rate of inflation. Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. Reinvestment Risk: This is a risk that future proceeds from fixed income investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). Business Risk: These risks are associated with a particular industry or a particular company within an industry. Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. Credit Risk - refers to the risk that companies or other issuers may fail to pay their debts (including the debt owed to holders of their bonds). Consequently, this affects individual bond ladders, mutual funds and exchange traded funds (ETFs) that hold these bonds. Credit risk is less of a factor in investments including insured bonds or U.S. Treasury Bonds. By contrast, those that invest in the bonds of companies with poor credit ratings generally will be subject to higher risk. Prepayment Risk - Issuers may choose to pay off debt earlier than the stated maturity date on a bond. For example, if interest rates fall, a bond issuer may decide to “retire” its debt and issue new bonds that pay a lower rate. When this happens, proceeds from the sale of individual bonds or a bond fund may not be able to be reinvested in an investment with as high a return or yield. ITEM 9 - DISCIPLINARY INFORMATION We do not have any legal, financial or other “disciplinary” items to report. ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Aside from being insurance licensed as noted above, there are no other financial industry activities or affiliations. Representatives are maintaining insurance licenses to evaluate client insurance options, but no Representative of Orographic will sell any insurance product or service. ITEM 11 - CODE OF ETHICS We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include: • A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding (upon hire, and • • annually); Prohibitions on the misuse of material non-public information; Personal securities trading policies and procedures (governing not only our employee but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: Trade on inside information. “Front-run” or trade in anticipation of client transactions. Trade or participate in any activity prohibited under the federal securities laws. Place their interests in front of clients. o o o o We strive to achieve the highest ethical and fiduciary standards (in dealing with Clients, the public, vendors, prospective clients, and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 5  It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in client accounts. We have a strict policy against using the trade flow of clients to economically benefit our firm or Representatives and we monitor the transactions of Representative’s accounts to ensure that client interests are placed first. We provide services for various other clients. We may give advice or take actions for our clients that differ from the advice given to other clients. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at (720) 323-9944. ITEM 12 - BROKERAGE PRACTICES Our client assets are primarily held by Charles Schwab & Company. (“Custodian”). We tend to recommend the Custodian for administrative convenience and because they offer good value to our clients for the transaction costs and other costs incurred. The client is not obligated to affect transactions through any Custodian recommended by Orographic. In recommending the Custodian, we will comply with our fiduciary duty to seek best execution and will consider such relevant factors as: (1) price; (2) the custodian’s facilities, reliability, and financial responsibility; (3) the ability of the Custodian to effect transactions, particularly about such aspects as timing, order size and execution of order; and (4) Any other factors that we consider to be relevant. The Custodian provide us (and other independent investment advisors) services which include custody of securities, trade execution, clearance, and settlement of transactions. We receive some benefits from the Custodian that is more fully described in Item 14 below. We may utilize aggregated or block trades for purchasing and selling investments. The allocations of a particular security will be determined before the trade is placed with the broker. When practical, trades in the same security will be bunched in a single order (“block”) to obtain best execution at the best security price available. When using a block trade: (1) We will make reasonable efforts to attempt to fill client orders by day-end. (2) If the trade is only partially filled, clients will receive a pro-rata number of shares. An exception to pro-rata allocation would be if the partially filled order would result in very small allocations to client accounts relative to the desired allocations. In that case the allocations would be made to clients with the highest percentage cash allocations. (3) If a block order is filled (full or partial fill) at several prices through multiple trades, an average price and commission will be used for all trades executed. (4) All participants receiving securities from the block trade will receive the average price. (5) Only trades executed within the block on the single day may be combined for purposes of calculating the average price. (6) It is possible that the Representative may participate in the block trade. In the situation where the Representative is included in a partially filled block trade, no allocation will be made to the Representative account. However, if application of any part of this policy results in unfair or inequitable treatment to some or all our clients, we may deviate from this policy. ITEM 13 - REVIEW OF ACCOUNTS Accounts are reviewed by our Chief Compliance Officer or their assignee. The frequency of reviews is determined based on the supervisory processes and/or the client investment objectives. Accounts are generally reviewed quarterly, but in any event, no less than annually. More frequent reviews may be triggered by a change in client’s investment objectives; tax considerations; large deposits or withdrawals; large sales or purchases; loss of confidence in corporate management; or changes in the economic climate. Investment advisory clients receive standard account statements from the Custodian, typically monthly. We may also provide clients with a written report summarizing your accounts. There may be a difference between the report provided by Orographic and the statement from the Custodian based on settlement versus trade date accounting, dividends, or accrued interest. It is important that Clients rely on the value as provided by the Custodian for the actual value of their accounts. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 6  ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION As disclosed under Item 12 Brokerage Practices, we typically recommend Charles Schwab & Company for custody and brokerage services. By recommending this Custodian, we receive economic benefits that include the following products and services (provided without cost or at a discount): transition assistance (assistance with client paperwork and various benefits for offsetting or crediting account transfer fees or termination fees from previous custodian); receipt of duplicate client statements and confirmations; research related products and tools; consulting services; access to a trading desk serving advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third party vendors. The Custodian may also have paid for business consulting and professional services received by some of our related persons. Some of the products and services made available by the Custodian may benefit us but may not benefit your account. These products or services may assist us in managing and administering your account, including accounts not maintained at either Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits received by our firm or our personnel through utilization of the Custodian do not depend on the amount of brokerage transactions directed to them. As part of our fiduciary duties to clients, we always endeavor to put the interests of our clients first. You should be aware, however, that our receipt of economic benefits in and of itself creates a conflict of interest and may indirectly influence our choice to recommend the Custodian for custody or brokerage services. ITEM 15 – CUSTODY As noted in the Investment Advisory Agreement signed by the Client, we do have the ability to deduct our advisory fee directly from Client accounts. Additionally, we are reporting custody on certain accounts where the client has requested the ability to electronically transfer assets to a third-party through a standing limited power of attorney (known as a SLOA). Although we do not have any relationship, affiliation or share an address with any of the third parties, we are following SEC guidelines to report having custody of these assets. Other than these situations, we do not have custody of any client assets. ITEM 16 – INVESTMENT DISCRETION Clients grant us discretion through a limited power of attorney to select, purchase, or sell securities without obtaining client specific consent within client accounts. Our Advisory Agreement will provide us discretion authority to trade accounts. ITEM 17 – VOTING YOUR SECURITIES We will not vote on proxies for securities held in client accounts. Clients can contact our office with questions about a particular solicitation by phone at (720) 323-9944. ITEM 18 – FINANCIAL INFORMATION We do not have any circumstance that is reasonably likely to impair our ability to meet contractual commitments to clients. We do not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 7  ADV PART 2B ADV PART 2B DECEMBER 11, 2025 OROGRAPHIC FINANCIAL ADVISORS, LLC 210 B LARKSPUR LANE AVON, CO 81620 (720) 323-9944 BO PIHL, CFP®, CFA® This brochure supplement provides information about Bo Pihl that supplements the Orographic Financial Advisors, LLC’s ADV Part 2A. Additional information about Bo Pihl is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #4612356. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 8  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Bo Pihl was born in 1979. He obtained his BA from the University of Georgia. He was a Registered Representative and Investment Advisor Representative with NTB Financial Corporation from 2002 until 2022. In 2022 he started Orographic Financial Advisors, LLC and registered as an Investment Advisor Representative. Mr. Pihl is a Certified Financial Planner (CFP®). The CFP® designation identifies individuals who have completed the mandatory examination, education, experience, and ethics requirements mandated by the CFP® Board. Candidates must have at least three years of qualifying work experience that relates to financial planning. Candidates are required to hold a bachelor’s degree from an accredited university. CFP® candidates must pass an examination that covers over 100 financial planning topics, which broadly include: general principles of financial planning, insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. Finally, candidates have ongoing ethics requirements and oversight by the CFP® Board. Mr. Pihl also holds the designation of Chartered Financial Analyst (CFA®). CFA® designates an international professional certificate that is offered by the CFA Institute. Candidates that pursue the certification have in-depth knowledge of securities types and investment vehicles. In order to qualify for a CFA®, candidates must meet standards for examination, education, experience, and ethics. First, candidates must possess a bachelor’s degree from an accredited school, or its equivalent. Second, candidates must have completed 48 months of qualified professional work experience, generally related to evaluating or applying financial, economic, and/or statistical data as part of the investment decision-making process involving securities or similar investment. Third, candidates must pass a series of three six-hour exams that covers ethics, quantitative methods, economics, corporate finance, financial reporting and analysis, security analysis, and portfolio management. Finally, candidates must meet and continue to adhere to a strict Code of Ethics and Standards governing their professional conduct, as reviewed by the CFA Institute. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Bo Pihl is the Chief Compliance Officer of Orographic and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 9  ADV PART 2B DECEMBER 11, 2025 OROGRAPHIC FINANCIAL ADVISORS, LLC 210 B LARKSPUR LANE AVON, CO 81620 (720) 323-9944 LESLEY SHIFFRIN, CFP® This brochure supplement provides information about Lesley Shiffrin that supplements the Orographic Financial Advisors, LLC’s ADV Part 2A. Additional information about Lesley Shiffrin is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #1421059. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 10  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Lesley Shiffrin was born in 1947. She obtained her Bachelor of Science Degree from Boston University and her Master’s Degree from Columbia University. She was a Registered Representative and Investment Advisor Representative with NTB Financial Corporation from 1998 to 2022. In 2022, she started Orographic Financial Advisors, LLC and registered as an Investment Advisor Representative. Mrs. Shiffrin is a Certified Financial Planner (CFP®). The CFP® designation identifies individuals who have completed the mandatory examination, education, experience, and ethics requirements mandated by the CFP® Board. Candidates must have at least three years of qualifying work experience that relates to financial planning. Candidates are required to hold a bachelor’s degree from an accredited university. CFP® candidates must pass an examination that covers over 100 financial planning topics, which broadly include: general principles of financial planning, insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. Finally, candidates have ongoing ethics requirements and oversight by the CFP® Board. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Bo Pihl is the Chief Compliance Officer of Orographic and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. OROGRAPHIC FINANCIAL ADVISORS, LLC DECEMBER 2025 | PAGE 11