OSTROFE FINANCIAL CONSULTANTS INC

Ostrofe Financial Consultants, Inc. 420 Sierra College Drive, Suite 200, Grass Valley, CA 95945 530-273-4425 www.ostrofefinancial.com February 3, 2026 This Brochure provides information about the qualifications and business practices of Ostrofe Financial Consultants, Inc. If you have any questions about the contents of this Brochure, please contact us at 530-273-4425 or seth.leishman@lpl.com. Information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Currently, our Brochure may be requested by contacting our office at 530-273-4425. Ostrofe Financial Consultants, Inc. is a Registered Investment Advisor. Registration of an Investment Advisor does not imply any level of skill or training. The oral and written communications of an Advisor provide you with information about which you determine to hire or retain a Registered Investment Advisor. Additional information about Ostrofe Financial Consultants, Inc. other advisory firms, or an associated representative is also available via the SEC’s web site www.adviserinfo.sec.gov. The SEC’s website also provides information about any persons affiliated with Ostrofe Financial Consultants, Inc. who are registered, or are required to be registered, as Investment Advisor Representatives. A search for firms or associated personnel can be accomplished by name or firm identifier, known as IARD number. The IARD number of Ostrofe Financial Consultants, Inc. is 110064. Item 2 – Material Changes This brochure is discussing only material changes that were made since the last annual update. The last annual update of this brochure was on February 9, 2024. The figures of total assets under management were revised February 3, 2026. 1  Item 3 -Table of Contents Item 1 – Cover Page ..................................................................................................................................... 1 Item 2 – Material Changes ............................................................................................................................ 1 Item 3 -Table of Contents .............................................................................................................................. 2 Item 4 – Advisory Business ........................................................................................................................... 3 Item 5 – Fees and Compensation ................................................................................................................. 3 Item 6 – Performance-Based Fees and Side-By-Side Management ............................................................ 5 Item 7 – Types of Clients .............................................................................................................................. 5 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ....................................................... 5 Item 9 – Disciplinary Information ................................................................................................................... 6 Item 10 – Other Financial Industry Activities and Affiliations ........................................................................ 6 tem 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................. 7 Item 12 – Brokerage Practices ..................................................................................................................... 7 Item 13 – Review of Accounts .................................................................................................................... 10 Item 14 – Client Referrals and Other Compensation .................................................................................. 10 Item 15 – Custody ....................................................................................................................................... 10 Item 16 – Investment Discretion.................................................................................................................. 11 Item 17 – Voting Client Securities ............................................................................................................... 11 Item 18 – Financial Information ................................................................................................................... 11 2  Item 4 – Advisory Business Ostrofe Financial Consultants, Inc. provides financial planning and consulting services to a variety of clients. These include individuals, pension and profit-sharing plans, trusts, estates, charitable institutions, and corporations or businesses. Our corporation has been in business since 1984, and the principal owner is Seth Leishman. The Investment Advisor first conducts an initial interview and gathers data to assist the client in determining specific needs, goals, objectives and tolerance for risk. Ostrofe Financial Consultants, Inc. may provide its clients with comprehensive financial planning services. Ostrofe Financial Consultants, Inc.’s financial planning services typically include, but are not limited to, providing advice or recommendations regarding asset allocation; risk management; portfolio analysis; and evaluation and review of investment accounts. Ostrofe Financial Consultants, Inc.’s approach to financial planning starts with gathering information about the clients’ current financial position and objectives. This process involves the collection, organization, and assessment of all relevant client data including information concerning the client’s lifestyle, risk tolerance, current assets and cash flow, as well as identification of the client’s financial concerns, goals, and objectives. This allows a client to have a more complete view of their financial position. The primary objective of this process is to allow Ostrofe Financial Consultants, Inc. to assist the client in developing a strategy for the successful management of income, assets, and liabilities in order to meet the client’s individual financial goals and objectives. Clients have the option of having a complete financial plan developed for them or also just doing a compartmentalized portion of the entire plan developed depending on their specific needs. Types of compartmentalized plans include but are not limited to a(n): • Accumulation Plan • Retirement Income/Distribution Plan • Liability/Mortgage Plan • Education Financing Plan • Insurance/Risk Management Plan • Estate Plan Ostrofe Financial Consultants provides investment management services on a discretionary basis, utilizing strategies described below in Item 8. The fees for such investment management services are listed below. Typically, financial planning services are included in the fee described below, however, on occasion a situation may arise that the scope of an engagement may require an additional fee. This fee is billed by the hour. An hourly fee schedule will be provided to client before any engagement of such nature occurs. Clients are allowed to impose reasonable restrictions on the types of securities, sectors and/or industries they do not want to be included in their portfolio. Such restrictions must be communicated to the Firm in advance and documented in writing. Once this information is gathered initially, each client is responsible for informing Ostrofe Financial Consultants, Inc. of any changes to these restrictions or to their overall investment objectives. The Firm does not assume any responsibility for the accuracy of the failure of clients to inform the Firm of changes to their investment or financial objectives. Assets Under Management: These amounts were calculated on February 3, 2026 Discretionary Assets: $386,448,000 (1,625 accounts) Non-Discretionary Assets: $0 Total: $386,448,000 (1,625 accounts) Item 5 – Fees and Compensation Ostrofe Financial Consultants does not recommend no-load funds. The specific manner in which fees are charged by Ostrofe Financial Consultants, Inc. is established in a client’s Investment Advisory Agreement. 3  For OFC rendering the above described services, the client will receive a free introductory session and from that point agrees to compensate OFC. Fees are based by a household of accounts as a percentage of assets under management, billed quarterly, in advance, and deducted from clients’ assets as follows: Portfolio Value $0 - $999,999 $1,000,000 - + Annual Fee 1.25% 1.00% Clients may not select a different billing option. Fees may be subject to negotiation under certain circumstances as agreed on by the Firm and the client. Other Fees and Expenses: Clients should be aware that they will be responsible for all fees imposed by the custodian for trading and other related costs, which can include but not be limited to brokerage commissions, transaction costs, custodian fees, transfer fees, or redemption fees on short–term investments. In addition, Ostrofe Financial Consultants, Inc. invests in open-end mutual funds in client portfolios. These funds charge fees to their shareholders, which are described in their respective prospectus and usually include a management fee, administrative and operations fees, and certain distribution fees (e.g., 12b-1 fees). These fees are generally referred to as a fund’s “expense ratio” and the fees are deducted at the mutual fund level when calculating the fund’s net asset value (“NAV”) and have a direct bearing on the fund’s performance. Certain mutual funds also charge an up-front or back-end sales charge and and/or redemption fees. In addition, some open-end mutual funds offer different share classes of the same fund and one share-class can have a higher expense ratio and sales/redemption fees than another share class. The most economical share class will depend on certain factors, including the amount of time the shares are held by a client and the amount a client will be investing. Mutual fund expense ratios and sales/redemption fees vary by fund, so it is important for clients to read the mutual fund prospectus to fully understand all the fees charged. For more information, see Section 12: Brokerage Practices. Clients must pay fees in advance. A client may obtain a refund of a pre-paid fee by providing a written request to our office. if the advisory contract is terminated before the end of the billing period. The amount of the refund is prorated and calculated based on the day of termination, compared to the number of days in a quarter. Household portfolio value includes other assets and accounts under OFC management for which our quarter investment management fee does not apply. Examples include: fixed and variable annuity contracts, non-traded REITs, and 529 plan accounts. Ostrofe Financial Consultants, Inc. pays any transaction costs within a client’s LPL Financial brokerage account over which discretion has been given. This may be through LPL Financial’s SWMII platform. Ostrofe Financial Consultants, Inc. pays a flat, asset-based cost to LPL Financial for trading, which reduces/eliminates any conflict of interest related to this arrangement. Certain investment adviser representatives of Ostrofe Financial Consultants, Inc. are also associated with LPL Financial as broker-dealer registered representatives (“Dually Registered Persons”). In their capacity as registered representatives of LPL Financial, certain Dually Registered Persons earn commissions for the sale of securities or investment products that they recommend for brokerage clients. This practice presents a conflict of interest and gives it or its supervised persons an incentive to recommend investment products based on the compensation received, rather than on a client’s needs. They do not earn commissions on the sale of securities or investment products recommended or purchased in advisory accounts through Ostrofe Financial Consultants, Inc. In order to address the conflict, we tell clients they have the option of purchasing many of the securities and investment products we make available to them through another broker-dealer or investment adviser. However, when purchasing these securities and investment products away from Ostrofe Financial Consultants, Inc., you will not receive the benefit of the advice and other services we provide. At Ostrofe Financial Consultants we take a “client first” approach to all conflicts of interest. Investment Advisor Representatives of Ostrofe Financial Consultants, Inc., in their capacity as Registered Representatives of, or as agents appointed with various life, disability or other insurance companies, receive commissions, 12(b)-1 fees, or other compensation from the respective product sponsors and/or as a result of effecting securities transactions for clients. In order to address the conflict, we tell clients they have the option of purchasing the insurance products we make available to them through another broker-dealer or investment adviser. 4  Certain employees of Ostrofe Financial Consultants, Inc. are Dually Registered Persons. LPL Financial is a broker-dealer that is independently owned and operated and is not affiliated with Ostrofe Financial Consultants, Inc. This practice gives those Dually Registered Persons an incentive to recommend investment products based on the compensation received, rather than on the client’s needs. In order to address the conflict, we tell clients they have the option of purchasing the securities and investment products we make available to them through another broker-dealer or investment adviser. Please refer to Item 12 for a discussion of the benefits Ostrofe Financial Consultants, Inc. may receive from LPL Financial and the conflicts of interest associated with receipt of such benefits. Limitations due to LPL Licensing/Registration The individuals that are licensed as registered representatives of LPL Financial are subject to regulations that restrict them from conducting securities transactions away from LPL Financial without written authorization from LPL Financial. Clients should, therefore, be aware that for accounts where LPL Financial serves as the custodian, Ostrofe Financial Consultants, Inc. is limited to offering services and investment vehicles that are approved by LPL Financial, and may be prohibited from offering services and investment vehicles that may be available through other broker/dealers and custodians. Item 6 – Performance-Based Fees and Side-By-Side Management Ostrofe Financial Consultants, 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). Item 7 – Types of Clients Ostrofe Financial Consultants, Inc. provides financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable institutions, and corporations or businesses. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Ostrofe Financial Consultants, Inc. provides clients with customized discretionary investment management services on a continuous basis, according to the investment objectives and strategies approved by the client. All accounts are separately managed and maintained with an independent third-party custodian. Ostrofe Financial Consultants, Inc. generally invests client assets in individual equities, exchange traded funds (“ETFs”), exchange traded notes (“ETNs”), mutual funds, warrants, corporate debt securities, commercial paper, certificates of deposit (“CDs”), municipal and U.S. Government debt securities, and cash equivalent instruments. Ostrofe Financial Consultants, Inc. allocates client assets among various investments taking into consideration the objectives of the client. Portfolio weighting between market sectors is determined by each client’s individual needs and circumstances. Ostrofe Financial Consultants, Inc. maintains a long-term perspective, but implements strategies and selects securities that aim to limit volatility and add value for the client with an emphasis on absolute return. Clients retain individual ownership of all securities. Ostrofe Financial Consultants, Inc. implements, or makes recommendations with respect to, changes in client accounts based on market, economic, and political circumstances, and the individual characteristics of securities. Portfolios are rebalanced on a discretionary basis. Ostrofe Financial Consultants, Inc. believes that successful investment management involves developing a strategy that meets one’s investment goals, using risk management throughout the investment strategies’ life, and communicating with clients to ensure that they understand the first two points. Methods of Analysis In formulating investment advice and managing assets Ostrofe Financial Consultants, Inc. analyzes economic factors such as the supply of money, various interest rates, and commodity prices to help forecast the future economic environment. This in turn guides the Firm’s asset allocation decisions and the selection of investments suitable for particular investment portfolios. Political factors are considered in those areas that impact the overall economic environment. Investment Strategies The primary investment strategy used to implement any investment advice given to clients is asset allocation. Based on the Firm’s economic forecast and client-driven factors such as desired rate of return, aversion to risk, investment time horizon, tax consequences, and other constraints, investments are diversified across different asset classes and investment styles. 5  Risk of Loss Clients should be aware that Investing in securities involves a significant risk of loss, and all investments have certain risks that are borne by the investor. Ostrofe Financial Consultant’s methods of analysis and investment strategies aim to keep the risk of loss in mind. Some of risks of loss a client should be aware of include, but are not limited, to the following: Interest-Rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. Market Risk: The price of a stock, bond, mutual fund or other security may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. 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. Political and Legislative Risks: Companies face a complex set of laws and circumstances in each country in which they operate. The political and legal environment can change rapidly and without warning, with significant impact, especially for companies operating outside of the United States. Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. 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. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Item 9 – Disciplinary Information Ostrofe Financial Consultants, Inc. has had no legal or disciplinary events, and does not have any pending events. Item 10 – Other Financial Industry Activities and Affiliations Investment Advisor Representatives of Ostrofe Financial Consultants, Inc. are Registered Representatives of LPL Financial. As such, Investment Advisor Representatives may recommend or suggest the use of LPL as the Broker/Dealer to effect securities recommendations, but does not require that clients choose LPL as the Broker/Dealer. Investment Advisor Representatives of Ostrofe Financial Consultants, Inc., in their capacity as Registered Representatives of, or as agents appointed with various life, disability or other insurance companies, receive commissions, 12(b)-1 fees, or other compensation from the respective product sponsors and/or as a result of effecting securities transactions for clients. Certain employees of Ostrofe Financial Consultants, Inc. are Dually Registered Persons. LPL Financial is a broker-dealer that is independently owned and operated and is not affiliated with Ostrofe Financial Consultants, Inc. This practice gives those Dually Registered Persons an incentive to recommend investment products based on the compensation received, rather than on the client’s needs. In order to address the conflict, we tell clients they have the option of purchasing many of the securities and investment products we make available to them through another broker-dealer or investment adviser. Please refer to Item 12 for a discussion of the benefits Ostrofe Financial Consultants, Inc. may receive from LPL Financial and the conflicts of interest associated with receipt of such benefits. Seth Leishman, and Frederick Fisher are also licensed insurance professionals. Implementations of insurance recommendations are separate from their role with Ostrofe Financial Consultants, Inc. As an insurance professional, those employees may receive customary commissions and other related revenues from the various insurance companies whose products are sold. They are not required to offer the products of any particular insurance company. In order to address the conflict, we tell clients they have the option of purchasing the insurance products we make available to them through another broker-dealer or investment adviser. 6  External Custodian Disclosure As discussed previously, certain associated persons of Ostrofe Financial Consultants, Inc. are registered representatives of LPL Financial. As a result of this relationship, LPL Financial may have access to certain confidential information (e.g., financial information, investment objectives, transactions and holdings) about Ostrofe Financial Consultants, Inc.’s clients, even if client does not establish any account through LPL. If you would like a copy of the LPL Financial privacy policy, please contact Patty Lum. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Ostrofe Financial Consultants, Inc. maintains a Code of Ethics. The Code of Ethics sets forth standards of conduct expected of personnel; requires compliance with Federal securities laws, and addresses conflicts that arise from personal trading by personnel. Clients and prospective clients may request a copy of the Code of Ethics. At times, Ostrofe Financial Consultants, Inc. officers, directors or employees may take positions in the same securities as clients, and we will follow Ostrofe Financial Consultants, Inc.’s Code of Ethics. The firm and its Investment Advisors will generally be “last in” and “last out” for the trading day when trading occurs in close proximity to client trades. We will not violate our fiduciary responsibilities to our clients. Trading within 2 hours ahead of clients is prohibited. Should a conflict occur because of materiality (i.e. a thinly traded stock), disclosure will be made to the client(s) at the time of trading. Employee trading not deemed to be a conflict, i.e. a purchase or sale which is minimal (less than $25,000) in relation to the total outstanding value, and as such would have negligible effect on the market price, would not be disclosed at the time of trading. Item 12 – Brokerage Practices As Ostrofe Financial Consultants, Inc. provides consulting and financial planning services, manages client accounts and directs brokerage transactions. The Firm’s Investment Committee is responsible for identifying and approving broker-dealers to use in executing trades for client accounts. The committee considers various factors in selecting a broker, including: Financial Condition; Acceptable record keeping; Knowledge of market, securities and industries; Commission structure; and reputation and integrity. Ostrofe Financial Consultants, Inc. will generally recommend that clients establish a brokerage account with LPL Financial to maintain custody of clients’ assets and to effect trades for their accounts. LPL Financial provides brokerage and custodial services to independent investment advisory firms, including Ostrofe Financial Consultants, Inc. For Ostrofe Financial Consultants Inc.’s accounts custodied at LPL Financial, LPL Financial generally is compensated by clients through commissions, trails, or other transaction-based fees for trades that are executed through LPL Financial or that settle into LPL Financial accounts. For IRA accounts, LPL Financial generally charges account maintenance fees. In addition, LPL Financial also charges clients miscellaneous fees and charges, such as account transfer fees. LPL Financial charges Ostrofe Financial Consultants, Inc. an asset-based administration fee for administrative services provided by LPL Financial. Such administration fees are not directly borne by clients, but may be taken into account when Ostrofe Financial Consultants, Inc. negotiates its advisory fee with clients. We do not permit a client to direct brokerage. Our firm’s policy is to aggregate client transactions where possible and when advantageous to clients. In these instances, clients participating in any aggregated transactions will receive an average share price and transaction costs will be shared equally and on a pro-rata basis. While LPL Financial does not participate in, or influence the formulation of, the investment advice Ostrofe Financial Consultants, Inc. provides, certain supervised persons of Ostrofe Financial Consultants, Inc. are Dually Registered Persons. Dually Registered Persons are restricted by certain FINRA rules and policies from maintaining client accounts at another custodian or executing client transactions in such client accounts through any broker-dealer or custodian that is not approved by LPL Financial. As a result, the use of other trading platforms must be approved not only by Ostrofe Financial Consultants, Inc., but also by LPL Financial. Clients should also be aware that for accounts where LPL Financial serves as the custodian, Ostrofe Financial Consultants, Inc. is limited to offering services and investment vehicles that are approved by LPL Financial, and may be prohibited from offering services and investment vehicles that may be available through other broker-dealers and 7  custodians, some of which may be more suitable for a client’s portfolio than the services and investment vehicles offered through LPL Financial. Clients should understand that not all investment advisers recommend that clients custody their accounts and trade through specific broker-dealers. Clients should also understand that LPL Financial is responsible under FINRA rules for supervising certain business activities of Ostrofe Financial Consultants, Inc. and its Dually Registered Persons that are conducted through broker- dealers and custodians other than LPL Financial. LPL Financial charges a fee for its oversight of activities conducted through these other broker-dealers and custodians. This arrangement presents a conflict of interest because Ostrofe Financial Consultants, Inc. has a financial incentive to recommend that you maintain your account with LPL Financial rather than with another broker-dealer or custodian to avoid incurring the oversight fee. Benefits Received by Ostrofe Financial Consultants, Inc. Personnel LPL Financial makes available to Ostrofe Financial Consultants, Inc. various products and services designed to assist Ostrofe Financial Consultants, Inc. in managing and administering client accounts. Many of these products and services may be used to service all or a substantial number of Ostrofe Financial Consultant, Inc.’s accounts, including accounts not held with LPL Financial. These include software and other technology that provide access to client account data (such as trade confirmation and account statements); facilitate trade execution (and aggregation and allocation of trade orders for multiple client accounts); provide research, pricing information and other market data; facilitate payment of Ostrofe Financial Consultants, Inc.’s fees from its clients’ accounts; and assist with back-office functions; recordkeeping and client reporting. LPL Financial also makes available to Ostrofe Financial Consultants, Inc. other services intended to help Ostrofe Financial Consultants, Inc. manage and further develop its business. Some of these services assist Ostrofe Financial Consultants, Inc. to better monitor and service program accounts maintained at LPL Financial, however, many of these services benefit only Ostrofe Financial Consultants, Inc., for example, services that assist Ostrofe Financial Consultants, Inc. in growing its business. These support services and/or products may be provided without cost, at a discount, and/or at a negotiated rate, and include practice management-related publications; consulting services; attendance at conferences and seminars, meetings, and other educational and/or social events; marketing support; and other products and services used by Ostrofe Financial Consultants, Inc. in furtherance of the operation and development of its investment advisory business. Where such services are provided by a third-party vendor, LPL Financial will either make a payment to Ostrofe Financial Consultants, Inc. to cover the cost of such services, reimburse Ostrofe Financial Consultants, Inc. for the cost associated with the services, or pay the third-party vendor directly on behalf of Ostrofe Financial Consultants, Inc.. The products and services described above are provided to Ostrofe Financial Consultants, Inc. as part of its overall relationship with LPL Financial. While as a fiduciary Ostrofe Financial Consultants, Inc. endeavors to act in its clients’ best interests, the receipt of these benefits creates a conflict of interest because Ostrofe Financial Consultants Inc.’s recommendation that clients custody their assets at LPL Financial is based in part on the benefit to Ostrofe Financial Consultants, Inc. of the availability of the foregoing products and services and not solely on the nature, cost or quality of custody or brokerage services provided by LPL Financial. Ostrofe Financial Consultant, Inc.’s receipt of some of these benefits may be based on the amount of advisory assets custodied on the LPL Financial platform. Transition Assistance Benefits LPL Financial provides various benefits and payments to Dually Registered Persons that are new to the LPL Financial platform to assist the representative with the costs (including foregone revenues during account transition) associated with transitioning his or her business to the LPL Financial platform (collectively referred to as “Transition Assistance”). The proceeds of such Transition Assistance payments are intended to be used for a variety of purposes, including but not necessarily limited to, providing working capital to assist in funding the Dually Registered Person’s business, satisfying any outstanding debt owed to the Dually Registered Person’s prior firm, offsetting account transfer fees (ACATs) payable to LPL Financial as a result of the Dually Registered Person’s clients transitioning to LPL Financial’s custodial platform, technology set-up fees, marketing and mailing costs, stationary and licensure transfer fees, moving expenses, office space expenses, staffing support and termination fees associated with moving accounts. The amount of the Transition Assistance payments are often significant in relation to the overall revenue earned or compensation received by the Dually Registered Person at their prior firm. Such payments are generally based on the size of the Dually Registered Person’s business established at their prior firm and/or assets under custody on the LPL Financial. 8  Please refer to the relevant Part 2B brochure supplement for more information about the specific Transition Payments your representative receives. Transition Assistance payments and other benefits are provided to associated persons of Ostrofe Financial Consultants, Inc. in their capacity as registered representatives of LPL Financial. Ostrofe Financial Consultants, Inc. considers LPL Financial’ s timeliness, cost, professionalism, and client service when recommending that clients maintain accounts with LPL Financial. Ostrofe Financial Consultants, Inc. received transition assistance in the form of a promissory note. The principal loan amount was $487,964 in December of 2017. The principal plus calculated accrued interest on the note will be forgiven as long as Registrant is registered/licensed with LPL for three years. Soft Dollar Practices While in the course of business, company investment officers deal often with brokers and dealers of securities. As a result of the nature of company business, however, the company uses neither “soft dollar” arrangements nor “directed brokerage” arrangements. Benefits of Using LPL as Custodian Ostrofe Financial Consultants, Inc. receives support services and/or products from LPL Financial, many of which assist Ostrofe Financial Consultants, Inc. to better monitor and service program accounts maintained at LPL Financial; however, some of the services and products benefit Ostrofe Financial Consultants, Inc. and not client accounts. These support services and/or products may be received without cost, at a discount, and/or at a negotiated rate, and may include the following: 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 • consulting services • • attendance at conferences, meetings, and other educational and/or social events • marketing support computer hardware and/or software • • other products and services used by Ostrofe Financial Consultants, Inc. in furtherance of its investment advisory business operations LPL Financial may provide these services and products directly, or may arrange for third party vendors to provide the services or products to Advisor. In the case of third-party vendors, LPL Financial may pay for some or all of the third party’s fees. These support services are provided to Ostrofe Financial Consultants, Inc. based on the overall relationship between Ostrofe Financial Consultants, Inc. and LPL Financial. It is not the result of soft dollar arrangements or any other express arrangements with LPL Financial that involves the execution of client transactions as a condition to the receipt of services. Ostrofe Financial Consultants, Inc. will continue to receive the services regardless of the volume of client transactions executed with LPL Financial. Clients do not pay more for services as a result of this arrangement. There is no corresponding commitment made by Ostrofe Financial Consultants, Inc. to LPL or any other entity to invest any specific amount or percentage of client assets in any specific securities as a result of the arrangement. However, because Advisor receives these benefits from LPL Financial, there is a potential conflict of interest. The receipt of these products and services presents a financial incentive for Advisor to recommend that its clients use LPL Financial’s custodial platform rather than another custodian’s platform. Oversight Fee for Assets Held Away As stated previously, individuals associated with Ostrofe Financial Consultants, Inc. are licensed as registered representatives of LPL Financial. As a result of this licensing relationship, LPL Financial is responsible for supervising 9  certain activities of Ostrofe Financial Consultants, Inc. to the extent Ostrofe Financial Consultants, Inc. manages assets at a broker/dealer and custodian other than LPL Financial. LPL Financial charges a fee for this oversight. This presents a conflict of interest in that Ostrofe Financial Consultants, Inc. has a financial incentive to recommend that you maintain your account with LPL Financial rather than another custodian in order to avoid the oversight fee. However, to the extent Ostrofe Financial Consultants, Inc. recommends you use LPL Financial for such services, it is because Ostrofe Financial Consultants, Inc. believes that it is in your best interest to do so based on the quality and pricing of the execution, benefits of an integrated platform for brokerage and advisory accounts, and other services provided by LPL Financial. Item 13 – Review of Accounts Ostrofe Financial Consultants, Inc. has three investment review personnel: Seth T. Leishman (President), Frederick A. Fisher (Registered Representative/Investment Advisor Representative), and Nathan T. Leishman (Registered Representative/Investment Advisor Representative). Review of client financial plans occur on a regular basis at least annually, or at the request of the client, on new information about an investment, changes in tax laws, or other important change, and as market conditions dictate. The scope includes an entire financial review, including investments purchased through (or not through) Ostrofe Financial Consultants, Inc., balance sheet, financial statement, tax return, estate, retirement, and insurance updates. Each client receives, generally, a review from their Investment Advisor Representative. There is currently no limit to the amount of accounts an Advisor may handle. Each Advisor is backed by client service personnel who monitor each client’s separate accounts on a daily basis to ensure follow-up and back-up between client and vehicles in which clients are invested. Written reports are provided to clients during review appointments at least once a year. These reports are provided on a computer updated Confidential Financial Analysis form, and notes/comments are recorded on the same form to preserve meeting results for the future. These reports include information about a client’s financial situation, portfolio holdings, values and transactions. Statements and trade confirmations from either Broker/Dealers of the New York Stock Exchange or corporate trust departments serve as monthly or quarterly reports to clients on their accounts. These statements outline all securities positions, monthly activity in accounts, and current market value. Item 14 – Client Referrals and Other Compensation Ostrofe Financial Consultants, Inc. has been fortunate to receive many client referrals over the years. The referrals have come from current clients, estate planning attorneys, accountants, employees, personal friends of employees and other sources. The firm does not pay for referrals. Ostrofe Financial Consultants, Inc. does not accept referral fees or any form of remuneration from other professionals when a prospect or client is referred to them, nor pay any referral fees or any form of remuneration for referrals from other professionals. Ostrofe Financial Consultants and/or its Dually Registered Persons are incented to join and remain affiliated with LPL Financial and to recommend that clients establish accounts with LPL Financial through the provision of transition assistance (specific details are provided in Item 12 above). LPL also provides other compensation to Ostrofe Financial Consultants and its Dually Registered Persons, including but not limited to bonus payments, repayable and forgivable loans, stock awards, and other benefits. The receipt of any such compensation creates a financial incentive for your representative to recommend LPL Financial as custodian for the assets in your advisory account. We encourage you to discuss any such conflicts of interest with your representative before making a decision to custody your assets at LPL Financial. Item 15 - Custody As Ostrofe Financial Consultants, Inc. only provides consulting and financial planning services, Ostrofe Financial Consultants, Inc. does not maintain any client accounts and does not take custody of client accounts. However, clients will receive statements from the Broker/Dealer, bank or other qualified custodian that holds and maintains client investment assets. Ostrofe Financial Consultants, Inc. urges you to carefully review such statements and compare such official custodial records to the account reports that we may provide to you. 10  Item 16 – Investment Discretion Ostrofe Financial Consultants, Inc. accepts discretionary authority to manage securities accounts on behalf of clients. In exercising its discretionary authority, Ostrofe Financial Consultants, Inc. has the ability to determine the type and amount of securities to be transacted. Such discretion is to be exercised in a manner consistent with each client’s stated investment objectives, risk tolerance, and time horizon. Clients are permitted to impose reasonable limitations on this discretionary authority, including restrictions on investing in certain securities or types of securities. By signing our Investment Advisory Agreement, clients authorize Ostrofe Financial Consultants to exercise discretionary authority with respect to all transactions involving the client’s account. This limited power of attorney authorizes the firm to give instructions to third parties for servicing client’s account. Item 17 – Voting Client Securities Clients will receive proxies or other solicitations directly from their custodian. Clients can call our office at 530-273-4425 if they have questions about a particular solicitation. As a matter of firm policy and practice, Ostrofe Financial Consultants, 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. Clients maintain exclusive responsibility for directing the manner in which proxies solicited by issuers of securities beneficially owned by the Client shall be voted as well as making all other elections relative to mergers, acquisitions, tender offers or other events pertaining to the Client’s investment assets. Item 18 – Financial Information Registered Investment Advisors are required in this Item to provide you with certain financial information or disclosures about Ostrofe Financial Consultants, Inc.’s financial condition. Ostrofe Financial Consultants, Inc. has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients, and has not been the subject of a bankruptcy proceeding. Questions relative to the firm, its services, or this ADV Part 2 and its Advisory Personnel Brochure Supplement may be made to the attention of Patty Lum at 530-273-4425 or patty.lum@lpl.com. 11  Item 1: Part 2B Brochure Supplement – Cover Page Ostrofe Financial Consultants, Inc. 420 Sierra College Drive, Suite 200, Grass Valley, CA 95945 530-273-4425 www.ostrofefinancial.com February 3, 2026 Supervised Persons: Seth T. Leishman, Financial Advisor, CPA, CFP®** Frederick Ayer Fisher, CFP®** Nathan T. Leishman, CFA, CPA, CFP®** This brochure supplement provides information about Seth T. Leishman, Frederick Ayer Fisher, and Nathan T. Leishman that supplements the Ostrofe Financial Consultants, Inc. brochure. You should have received a copy of that brochure. Please contact Patty Lum, Office Manager, at 530-273-4425 or patty.lum@lpl.com if you did not receive Ostrofe Financial Consultant’s brochure, or if you have any questions about the contents of this supplement. Additional information about Ostrofe Financial Consultants, Inc. other advisory firms, or an associated representative is also available via the SEC’s web site www.adviserinfo.sec.gov. The SEC’s website also provides information about any persons affiliated with Ostrofe Financial Consultants, Inc. who are registered, or are required to be registered, as Investment Advisor Representatives. A search for firms or associated personnel can be accomplished by name or firm identifier, known as IARD number. The IARD number of Ostrofe Financial Consultants, Inc. is 110064. 12  Item 2: Part 2B Brochure Supplement – Educational Background and Business Experience Ostrofe Financial Consultants, Inc. 420 Sierra College Drive, Suite 200, Grass Valley, CA 95945 530-273-4425 www.ostrofefinancial.com February 3, 2026 Name: Seth T. Leishman, Financial Advisor, CPA*, CFP®**, President Birthdate: 5/2/82 Education: UC Santa Barbara, Degree in Business Economics and Accounting - 2006 Securities Registration – Series 7, 66 and insurance license Experience: LPL Financial, 4707 Executive Drive, San Diego, CA 92121 – Registered Representative - 12/17 to Present National Planning Corporation, 100 North Sepulveda Boulevard, Suite 1800, El Segundo, CA 90245 - Registered Representative – 2/16 to 11/17 Ostrofe Financial Consultants, Inc., Grass Valley, CA – Registered Representative – 2/16 to Present Examinations/Professional Experience: Life, Disability, Variable Contract Insurance License Item 3- Disciplinary Information Neither the firm nor Seth Leishman has any disciplinary history. Item 4- Other Business Activities Broker-Dealer Affiliation: Seth Leishman is also a registered representative of LPL Financial, LLC (“LPL”). LPL is a registered broker-dealer (CRD#6413), member FINRA, SIPC. In Seth Leishman’s separate capacity as a registered representative, Mr. Leishman will typically receive commissions or other compensation for the implementation of recommendations for commissionable transactions, including distribution or service (“trail”) fees from the sale of mutual funds. This practice gives the registered representative an incentive to recommend investment products based on the compensation received, rather than on the client’s needs. Investment adviser representatives of Ostrofe Financial Consultants, Inc. are also associated with LPL Financial as broker-dealer registered representatives (“Dually Registered Persons”). In their capacity as registered representatives of LPL Financial, certain Dually Registered Persons earn commissions for the sale of securities or investment products that they recommend for brokerage clients. This practice presents a conflict of interest and gives it or its supervised persons an incentive to recommend investment products based on the compensation received, rather than on a client’s needs. They do not earn commissions on the sale of securities or investment products recommended or purchased in advisory accounts through Ostrofe Financial Consultants, Inc. In order to address the conflict, we tell clients they have the option of purchasing many of the securities and investment products we make available to them through another broker-dealer or investment adviser. However, when purchasing these securities and investment products away from Ostrofe Financial Consultants, Inc., you will not receive the benefit of the advice and other services we provide. At Ostrofe Financial Consultants we take a “client first” approach to all conflicts of interest. Insurance Agency Affiliations: Seth Leishman is also a licensed insurance professional. Implementations of insurance recommendations are separate from Mr. Leishman’s role with Ostrofe Financial Consultants, Inc. As an insurance professional, Mr. Leishman may receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Leishman is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. 13  Item 5- Additional Compensation Mr. Leishman is a registered representative of LPL Financial, and Investment Advisor Representative of Ostrofe Financial Consultants, Inc., and is an agent appointed with various life, disability or other insurance companies. He receives commissions, 12(b)1 fees, advisory fees or other compensation from product sponsors and/or as a result of effecting securities transactions. Clients are reminded that they are not required to execute any securities transactions through OFC or LPL or any other non-affiliated insurance companies, and that the client has discretion to exercise these transactions with whom they choose. Item 6 - Supervision Mr. Leishman’s advisory-related activities are supervised by Frederick Fisher, Investment Advisor Representative. He can be reached at 530-273-4425. His work is reviewed through frequent office interactions, monthly staff meetings, and various checks and balances, including investment committee meetings to provide oversight of the general strategies used in client accounts, and annual meetings to review the Compliance Manual and Code of Ethics, an internal compliance document that guides each supervised person in meeting their fiduciary obligations to clients. Ostrofe Financial Consultants, Inc. is also subject to regulatory oversight by LPL Financial, and subject to annual examinations by LPL auditors, which may be announced or unannounced. Ostrofe Financial Consultants, Inc. is required to periodically update information and provide various annual reports to LPL Financial. Item 2: Part 2B Brochure Supplement – Educational Background and Business Experience Name: Frederick Ayer Fisher, CFP®** Birthdate: 2/13/62 (Southern California) Education: College for Financial Planning, Denver, CO - Certified Financial Planner Designation – 2005 California State University, Sacramento – Masters of Science in Accounting - 1992 University of San Diego – Business Degree Securities Registration – Series 7, 24, 63, 65 and insurance license Experience: LPL Financial, 12/17 to Present, 4707 Executive Drive, San Diego, CA 92121 – Investment Advisor Representative – 12/17 to Present National Planning Corporation, 100 North Sepulveda Boulevard, Suite 1800, El Segundo, CA 90245 - Registered Representative/Investment Advisor Representative – 5/00 to 11/17 Ostrofe Financial Consultants, Inc., Grass Valley, CA – Investment Advisor Representative – 5/00 to Present Associated Securities Corporation, Los Angeles, CA – Registered Representative/Investment Advisor Representative - 4/98 to 4/00 Examinations/Professional Experience: Certified Financial Planner, College for Financial Planning – 2005 Life, Disability, Variable Contract Insurance License – 1986 Item 3- Disciplinary Information Neither the firm nor Frederick Fisher has any disciplinary history. Item 4- Other Business Activities Broker-Dealer Affiliation: Frederick Fisher is also a registered representative of LPL Financial, LLC (“LPL”). LPL is a registered broker-dealer (CRD#6413), member FINRA, SIPC. In Frederick Fisher’s separate capacity as a registered representative, Mr. Fisher will typically receive commissions or other compensation for the implementation of recommendations for commissionable transactions, including distribution or service (“trail”) fees from the sale of mutual funds. This practice gives the registered representative an incentive to recommend investment products based on the compensation received, rather than on the client’s needs. Investment adviser representatives of Ostrofe Financial Consultants, Inc. are also associated with LPL Financial as broker-dealer registered representatives (“Dually Registered Persons”). In their capacity as registered representatives of LPL Financial, certain Dually Registered Persons earn commissions for the sale of securities or investment products that they recommend for brokerage clients. This practice presents a conflict of interest and gives it or its supervised persons an incentive to recommend investment products based on the compensation received, rather than on a client’s needs. They do not earn commissions on the sale of securities or investment products recommended or purchased in advisory 14  accounts through Ostrofe Financial Consultants, Inc. In order to address the conflict, we tell clients they have the option of purchasing many of the securities and investment products we make available to them through another broker-dealer or investment adviser. However, when purchasing these securities and investment products away from Ostrofe Financial Consultants, Inc., you will not receive the benefit of the advice and other services we provide. At Ostrofe Financial Consultants we take a “client first” approach to all conflicts of interest. Insurance Agency Affiliations: Frederick Fisher is also a licensed insurance professional. Implementations of insurance recommendations are separate from Mr. Fisher’s role with Ostrofe Financial Consultants, Inc. As an insurance professional, Mr. Fisher may receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Fisher is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. Item 5- Additional Compensation Mr. Fisher is a registered representative of LPL Financial, and Investment Advisor Representative of Ostrofe Financial Consultants, Inc., and is an agent appointed with various life, disability or other insurance companies. He receives commissions, 12(b)1 fees, advisory fees or other compensation from product sponsors and/or as a result of effecting securities transactions. Clients are reminded that they are not required to execute any securities transactions through OFC or LPL or any other non-affiliated insurance companies, and that the client has discretion to exercise these transactions with whom they choose. Item 6 - Supervision Mr. Fisher’s advisory-related activities are supervised by Seth Leishman, President. Seth can be reached at 530- 273-4425. His work is reviewed through frequent office interactions, monthly staff meetings, and various checks and balances, including investment committee meetings to provide oversight of the general strategies used in client accounts, and annual meetings to review the Compliance Manual and Code of Ethics, an internal compliance document that guides each supervised person in meeting their fiduciary obligations to clients. Ostrofe Financial Consultants, Inc. is also subject to regulatory oversight by LPL Financial, and subject to annual examinations by LPL auditors, which may be announced or unannounced. Ostrofe Financial Consultants, Inc. is required to periodically update information and provide various annual reports to LPL Financial. Item 2: Part 2B Brochure Supplement – Educational Background and Business Experience Name: Nathan T. Leishman, CFA, CPA*, CFP®**, Birthdate: 5/8/86 Education: College for Financial Planning, Denver, CO - Certified Financial Planner Designation Brigham Young University – Finance Degree - 2009 Securities Registration – Series 7, 66 Experience: LPL Financial, 6/18 to Present, 4707 Executive Drive, San Diego, CA 92121 – Portfolio Manager – 12/17 to Present National Planning Corporation, 100 North Sepulveda Boulevard, Suite 1800, El Segundo, CA 90245 – Portfolio Manager – 8/17 to 11/17 Ostrofe Financial Consultants, Inc., Grass Valley, CA – Investment Advisor Representative – 9/17 to Present Westwood Global Investments, Boston, MA – Chartered Financial Analyst “CFA”/Global Investment Analyst - 1/10 to 4/17 National Planning Corporation, Inc., 100 North Sepulveda Boulevard, Suite 1800, El Segundo, CA 90245 – 10/09 to 8/10 Woodland Leishman & Associates, 5075 S. Bradley Road #234, Santa Maria, CA 93455 – Investment Advisor Representative - 10/09 to 8/10 Examinations/Professional Experience: Certified Financial Planner, College for Financial Planning Item 3- Disciplinary Information Neither the firm nor Nathan Leishman has any disciplinary history. 15  Item 4- Other Business Activities Broker-Dealer Affiliation: Nathan Leishman is also a registered representative of LPL Financial, LLC (“LPL”). LPL is a registered broker-dealer (CRD#6413), member FINRA, SIPC. In Nathan Leishman’s separate capacity as a registered representative, Mr. Leishman will typically receive commissions or other compensation for the implementation of recommendations for commissionable transactions, including distribution or service (“trail”) fees from the sale of mutual funds. This practice gives the registered representative an incentive to recommend investment products based on the compensation received, rather than on the client’s needs. Investment adviser representatives of Ostrofe Financial Consultants, Inc. are also associated with LPL Financial as broker-dealer registered representatives (“Dually Registered Persons”). In their capacity as registered representatives of LPL Financial, certain Dually Registered Persons earn commissions for the sale of securities or investment products that they recommend for brokerage clients. This practice presents a conflict of interest and gives it or its supervised persons an incentive to recommend investment products based on the compensation received, rather than on a client’s needs. They do not earn commissions on the sale of securities or investment products recommended or purchased in advisory accounts through Ostrofe Financial Consultants, Inc. In order to address the conflict, we tell clients they have the option of purchasing many of the securities and investment products we make available to them through another broker-dealer or investment adviser. However, when purchasing these securities and investment products away from Ostrofe Financial Consultants, Inc., you will not receive the benefit of the advice and other services we provide. At Ostrofe Financial Consultants we take a “client first” approach to all conflicts of interest. Insurance Agency Affiliations: Nathan Leishman does not have any Insurance Agency Affiliations. Item 5- Additional Compensation Mr. Leishman is a registered representative of LPL Financial, and Portfolio Manager at Ostrofe Financial Consultants, Inc. He does not receive any economic benefit outside of regular salaries and discretionary bonuses. Item 6 - Supervision Mr. Leishman’s advisory-related activities are supervised by Seth Leishman, President. Seth can be reached at 530-273-4425. His work is reviewed through frequent office interactions, monthly staff meetings, and various checks and balances, including investment committee meetings to provide oversight of the general strategies used in client accounts, and annual meetings to review the Compliance Manual and Code of Ethics, an internal compliance document that guides each supervised person in meeting their fiduciary obligations to clients. Ostrofe Financial Consultants, Inc. is also subject to regulatory oversight by LPL Financial, and subject to annual examinations by LPL auditors, which may be announced or unannounced. Ostrofe Financial Consultants, Inc. is required to periodically update information and provide various annual reports to LPL Financial. *CPA Requirements: A CPA is a Certified Public Accountant, and is licensed by the state. In California, to earn the prestige associated with the CPA license, individuals are required to demonstrate their knowledge and competence by passing the Uniform CPA Exam and meeting licensing requirements. These are the requirements of the California Board of Accountancy: A bachelor’s degree; 24 semester units in accounting-related subjects; 24 semester units in business-related subjects; 150 semester units (or 225 quarter units) of education; Pass the Uniform CPA Exam; Pass the Professional Ethics Exam for CPAs; and Have one year of general accounting experience supervised by a CPA with an active license. 16  ** Certified Financial Planner™ (CFP® ) Requirements. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. ***MBA Requirements: MBA programs require applicants to have a bachelor’s degree or to be almost finished with one. After completing a bachelor’s degree and 1-2 years of work experience, students begin an MBA. Most programs take two years to complete. 17