Parker Financial Advisors LLC

Parker Financial Advisors, LLC Form ADV Part 2A – Disclosure Brochure Effective: February 15, 2026 This Disclosure Brochure provides information about the qualifications and business practices of Parker Financial Advisors, LLC (“PFA”). If you have any questions about the contents of this Disclosure Brochure, please contact us at (832) 476-3495 or by email at charles@parkerfeeonly.com. The information in this Disclosure Brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about PFA to assist you in determining whether to retain the Advisor. Additional information about PFA and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as a CRD number. Our firm’s CRD number is 305188. Parker Financial Advisors, LLC CRD No: 305188 14800 Saint Mary's Lane, Suite 245 Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 www.parkerfeeonly.com i  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A and Part 2B. Part 2A (the “Disclosure Brochure”) provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. Part 2B (the “Brochure Supplement”) provides information about advisory personnel of PFA. PFA believes that communication and transparency are the foundation of our relationship and continually strive to provide our Clients with the complete and accurate information at all times. We encourage all current and prospective Clients to read this Disclosure Brochure and discuss any questions you may have with us. And of course, we always welcome your feedback. Since the last Annual Updating Amendment dated January 31, 2025, Parker Financial Advisors LLC has had no material changes. Future Changes From time to time, we may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations and routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to each Client annually and if a material change occurs in the business practices of PFA. At any time you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. To review the firm information for PFA: • Click Investment Advisor Search in the left navigation menu. • Select the option for Investment Advisor Firm and enter 305188 (our firm’s CRD number) in the field labeled “Firm IARD/CRD Number”. • This will provide access to Form ADV Part 1 and Part 2. • Item 11 of the ADV Part 1 lists legal and disciplinary questions regarding the Advisor. • In the left-hand navigation menu, Form ADV Part 2 is located near the bottom. You may also request a copy of this Disclosure Brochure at any time, by contacting us at (832) 476-3495 or by emailing info@parkerfeeonly.com. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 ii www.parkerfeeonly.com  Item 3 – Table of Contents FORM ADV PART 2A – DISCLOSURE BROCHURE .................................................................................. I ITEM 2 – MATERIAL CHANGES .................................................................................................................... II ITEM 3 – TABLE OF CONTENTS .................................................................................................................. III ITEM 4 – ADVISORY SERVICES ...................................................................................................................... 1 ITEM 5 – FEES AND COMPENSATION ......................................................................................................... 4 ITEM 6 – PERFORMANCE-BASED FEES ....................................................................................................... 6 ITEM 7 – TYPES OF CLIENTS ........................................................................................................................... 6 ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS .............. 6 ITEM 9 – DISCIPLINARY INFORMATION ................................................................................................... 7 ITEM 10 – OTHER FINANCIAL ACTIVITIES AND AFFILIATIONS ...................................................... 8 ITEM 11 – CODE OF ETHICS, PARTICIPATION IN CLIENT TRANSACTIONS AND PERSONAL TRADING ....................................................................................................................................... 8 ITEM 12 – BROKERAGE PRACTICES ............................................................................................................. 9 ITEM 13 – REVIEW OF ACCOUNTS ............................................................................................................. 10 ITEM 14 - CLIENT REFERRALS AND OTHER COMPENSATION ........................................................ 10 ITEM 15 – CUSTODY ......................................................................................................................................... 11 ITEM 16 – INVESTMENT DISCRETION ...................................................................................................... 12 ITEM 17 – VOTING CLIENT SECURITIES .................................................................................................. 12 ITEM 18 – FINANCIAL INFORMATION ..................................................................................................... 12 PRIVACY POLICY .............................................................................................................................................. 13 FORM ADV PART 2B ........................................................................................................................................ 15 ADVISOR CHARLES LEE PARKER, JR. .............................................................................................................................................. 15 FORM ADV PART 2B – INDIVIDUAL DISCLOSURE BROCHURE ..................................................... 19 ADVISOR JOSEPH LEONARD KLINGEN ............................................................................................................................................ 19 Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 iii www.parkerfeeonly.com  Item 4 – Advisory Services A. Firm Information Parker Financial Advisors, LLC (“PFA” or the “Advisor”) is an SEC registered investment advisor notice filed in the State of Texas. PFA is organized as a limited liablity corporation under the laws of the State of Texas. PFA was founded in 2019 and is owned and operated by Chief Compliance Officer, Charles L. Parker, Jr. and Joseph Klingen. The predecessor organization of PFA was founded in 1996 and Mr. Parker was sole owner. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by PFA. B. Advisory Services Offered PFA normally uses the following systematic consulting process for uncovering a prospective client’s most important goals and for designing and implementing customized solutions. 1. Discovery Meeting – There is no charge or commitment to conduct this meeting in which PFA and the prospective client explore whether working together to achieve what is important to the prospective client is a good idea. If PFA and prospective client agree to proceed, then we schedule our next meeting for approximately two weeks later. 2. Investment Plan Meeting – There is no charge or commitment to conduct this meeting in which PFA presents to the prospective client a proposed Investment Plan and Investment Policy Statement. We will not allow the prospective client to engage PFA in this meeting. If the prospective client anticipates engaging PFA for services, then we schedule another meeting for approximately one week later. 3. Mutual Commitment Meeting – In this meeting, PFA and the prospective client will review and sign a Wealth Management Agreement. Implementation of the Investment Plan and Investment Policy Statement begins after the Wealth Management Agreement is signed. PFA collects additional information and begins assembling the Client’s Wealth Management Plan. PFA and Client schedule the next meeting for approximately 45 days later. 4. 45-Day Follow-Up Meeting – In this meeting, PFA and Client review and organize the new account setup materials, account transfer materials, account statements, prospectuses, and other materials Client has received since signing the Wealth Management Agreement. PFA and Client schedule the next meeting for approximately 45 days later. 5. Regular Progress Meeting – In the first Regular Progress Meeting, PFA presents to Client a customized Wealth Management Plan that is organized into four advanced planning areas: Wealth Enhancement, Wealth Transfer, Wealth Protection, and Charitable Giving. PFA and Client discuss, prioritize and begin implementing the recommendations made in the Wealth Management Plan, which includes retirement planning, estate planning, tax planning, cash flow planning, debt management and planning involving employee company benefits. Regular Progress Meetings are held between PFA and Client about every three months for about the first year of the Wealth Management Agreement. During this first 12-month period, many aspects of the Client’s Wealth Management Plan are being implemented. The frequency of Regular Progress Meetings typically becomes semi- annual or annual, when agreed to by PFA and Client. Clients are encouraged to contact PFA any time they have Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 1 www.parkerfeeonly.com  a question concerning their Investment Consulting services or an item addressed in their Wealth Management Plan. Advanced Planning Service recommendations may pose a potential conflict between the interests of the Advisor and the interests of the Client. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement recommendations through the Advisor. C. Client Account Management Before engaging PFA to provide investment advisory and advanced planning services, each Client must enter into a Wealth Management Agreement with the Advisor that defines the terms, conditions, authority, and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Policy Statement – PFA, in connection with the Client, develops a statement that summarizes the Client’s investment goals and objectives along with the broad strategy[ies] to be employed to meet the objectives. An Investment Policy Statement generally includes specific information on the Client’s stated goals, time horizon for achieving the goals, investment strategies, Client risk tolerance, and any restrictions imposed by the Client. • Developing an Advanced Plan – PFA, in connection with the Client, develops an advanced plan to address investment planning, retirement planning, personal savings, education savings, and other areas of a Client’s financial situation. • Portfolio Construction – PFA will develop a portfolio for the Client intended to meet Client’s stated goals and objectives. • Investment Management and Supervision – PFA will provide investment management and ongoing oversight of the Client’s portfolio and overall account. PFA has Clients that began working with the firm before the Wealth Management Agreement existed. These Clients signed an Investment Management Agreement and may have also signed a Financial Services Agreement. These two agreements reflected a former method of providing services. In the past, PFA provided investment advisory services on a percentage of assets under management basis separate from the financial planning services provided on an hourly basis. The Advisor had separate agreements to handle these two services. In some cases, the minimum fee under the old agreements is lower than under the new Wealth Management Agreement, in which case it is to the Client’s benefit to retain the previous agreement. A Client with a Wealth Management Agreement may also have an Investment Management Agreement governing the management of a Client account held under a tax identification number different from the Client’s Social Security Number. Examples include an estate, an irrevocable trust, and a profit-sharing plan. For purposes of this document, Wealth Management Agreement, Investment Management Agreement, and Financial Services Agreement may be referred to as “Agreement” when the provision applies to each of these types of agreements. Retirement Rollovers-No Obligation/Conflict of Interest: A client leaving an employer typically has four options regarding retire plan holdings (and may engage in a combination of these options): 1) leave them in the former employer’s plan, if permitted, 2) transfer them to a new employer’s plan, if permitted, 3) transfer them to an Individual Retirement Account (IRA), or 4) withdraw them (which could result in adverse tax consequences). Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 2 www.parkerfeeonly.com  PFA can manage client holdings in each of the four options just described. As a result, there is seldom an economic incentive for PFA to encourage transfer into an IRA. Factors to consider before transfer into an IRA include: i) investment options available in the plan versus the investment options available in an IRA, ii) fees and expenses of the plan versus the IRA, iii) the services and responsiveness of the plan’s investment professionals versus those of PFA, iv) required minimum distributions and age considerations, and vi) the tax implications of employer stock held in the plan. No client is under any obligation to transfer plan holdings to an IRA managed by PFA. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. D. Wrap Fee Programs PFA does not place Client assets into a wrap fee program. Investment management services are provided directly by PFA. E. Assets Under Management As of December 31, 2025, the most recent date for which such calculations are provided under securities regulations, PFA managed the following assets: Assets Under Management Assets Discretionary Assets $208,380,707 Non-discretionary Assets 9,239,153 Total 217,619,860 Clients may request more current information at any time by contacting the Advisor. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 3 www.parkerfeeonly.com  Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for investment management services. Each new Client shall sign an Agreement that details the responsibilities of PFA and the Client. A. Fees for Advisory Services Account Portfolio Management and Advanced Planning Services Wealth management fees are paid quarterly in advance under the terms of the Agreement. Wealth management fees are based on the market value of assets under management at the end of each calendar quarter. Wealth management fees range from 1.00% to 0.00% based on the following progressive schedule: The annual fee for investment management services provided are based upon a percentage (%) of the market value of the Assets under management in accordance with the fee schedule in the Agreement signed by the Client. PFA considers cash to be an asset class and part of Assets under management and subject to the same fee calculation as the Client’s non-cash investments. Management Fee Market Value of Assets Under Management Quarter % Annual % Up to $2,000,000 0.2500% 1.00% Above $2,000,000 up to $3,000,000 0.1875% 0.75% Above $3,000,000 up to $4,000,000 0.1500% 0.60% Above $4,000,000 up to $5,000,000 0.1125% 0.45% Above $5,000,000 up to $10,000,000 0.0750% 0.30% Above $10,000,000 0.0000% 0.00% The wealth management fee encompasses all aspects of PFA’s advisory business, both the advanced planning and investment management services. The minimum quarterly fee is $3,000. PFA does not recommend investing with borrowed funds, or margin. Client may elect to use margin as a short- term borrowing tool to facilitate personal cash flow. Firm does not reduce the value of Client’s managed portfolio by the margin balance when computing wealth management fees but uses the gross market value of managed accounts (before margin). Certain services outside of the scope of the Agreement, as agreed upon by the Client and PFA, will be billed on an hourly basis at a rate not to exceed $250 per hour. An estimate for total billable hours will be determined and agreed upon by PFA and Client before Client receives an hourly billing. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 4 www.parkerfeeonly.com  B. Fee Billing Account Portfolio Management and Advanced Planning Services The Custodian will deduct wealth management fees from the Client Account. The Advisor will submit to Custodian the fee to deduct from the Client Account after the quarter-end date. The fee amount is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with PFA at the end of each calendar quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the fee. PFA provides a report itemizing the fee, including the calculation period covered, the account value, and the methodology used to calculate the fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting PFA to be paid directly from their accounts held by the Custodian as part of the Agreement and the account forms provided by the Custodian. Work Outside Scope of Wealth Management Agreement As noted above, fees for work outside the scope of the Agreement are agreed to in advance of any billing, are invoiced by Advisor, and are due upon receipt. PFA may bill up to 50% of the estimated fees in advance of commencing any hourly project work. C. Other Fees and Expenses Clients may incur fees or charges imposed by third parties, other than PFA, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custodial and securities execution fees charged by the custodian and executing broker-dealer. The wealth management fee charged by PFA is separate and distinct from custodian and execution fees. All fees paid to PFA are separate and distinct from any expenses charged by mutual funds and exchange-traded funds. Fees and expenses are described in each fund’s prospectus. These fees and expenses are generally used to pay fund management fees, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and possibly a distribution fee. Clients may be able to invest in these products directly, without the services of PFA. Still, they would not receive the services provided by PFA, designed, among other things, to assist the Client in determining which products or services are most appropriate for the Client’s financial condition and objectives. Client should consider both fees charged by the fund[s] and fees charged by PFA to determine total fees paid. D. Advance Payment of Fees and Termination PFA is normally compensated for its services in advance of the quarter in which services are rendered. A client may request to terminate their Agreement with PFA, in whole or in part, by providing advance written notice. The Client shall be responsible for wealth management fees up to and including the effective date of termination. PFA will reimburse Client on a pro-rata basis for fees paid and attributable to the quarter remaining after the effective date of termination. The Client’s Agreement with the Advisor is non-transferable without Client’s written approval. E. Compensation for Sales of Securities PFA does not act as a principal in any securities transactions and does not receive any compensation for securities transactions in any Client account. The only sources of revenue for the Advisor are wealth management fees and any hourly fees as discussed above. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 5 www.parkerfeeonly.com  Item 6 – Performance-Based Fees PFA does not charge performance-based fees. The fees charged by PFA are as described above in Item 5 – Fees and Compensation. Item 7 – Types of Clients PFA provides wealth management services to the following types of Clients: • Individuals, High Net Worth Individuals, Personal Trusts and Estates – private investors, investing their personal assets • Pension and Profit-Sharing Plans – retirement plan sponsors or company plans • Corporations or other business entities – private entities that hold personal investable assets of individual clients The relative percentage each type of Client is available on PFA’s Form ADV Part 1. These percentages will change over time. PFA generally does not impose a minimum account size for establishing a relationship; however, there is a minimum quarterly fee of $3,000. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Investment Strategies PFA’s investment philosophy is academically based, grounded in Modern Portfolio Theory and strongly influenced by diversification strategies developed by Nobel Prize-winning financial economists. The following principals strongly influence our investment philosophy: 1. Markets are Efficient – It is virtually impossible to anticipate the future direction of the market as a whole or of any individual security. It is unlikely, therefore, that any portfolio will consistently “beat the market.” 2. Risk and Return Are Related – Equities offer the potential for higher long-term investment returns than cash or fixed-income investments. Equities are also more volatile in their performance. Investors seeking higher rates of return must increase the proportion of equities in their portfolio, while at the same time accepting greater variation of results (including occasional declines in value). 3. Diversification is the Key – Portfolio risk can be decreased by increasing the diversification of the portfolio and by lowering the correlation of market behavior among the asset classes selected. (Correlation is the statistical term for the extent to which two asset classes move in tandem or opposition to one another). 4. Portfolio Structure Determines Performance – the design of the portfolio as a whole is more important than the selection of any particular security. The appropriate allocation of capital among asset classes (stocks, bonds, cash, etc.) will have far more influence on long-term portfolio results than the selection of Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 6 www.parkerfeeonly.com  individual securities. Investing for the long term (preferably longer than ten years) becomes critical to investment success because it allows the long-term characteristics of the asset class to surface. 5. PFA generally causes clients to purchase mutual fund shares for which the client pays a transaction charge. Although there may be similar mutual funds available with no transaction fees (“NTF funds”), PFA believes that the overall costs associated with NTF fund shares are higher over the long term than the transaction charge paid initially by the client. Included in this philosophy is PFA’s use of mutual funds within the Dimensional Fund Advisors group, which are not NTF funds. We believe that institutional, asset class vehicles, including index funds, provide the best investment option based on their diversification, low cost, and tax efficiency, and the investment community’s inability to consistently outperform using active management strategies. Some of the mutual funds PFA currently uses to implement Client investment strategies are available only through institutional investors such as PFA. In the event a client terminates PFA’s services, the institutional funds could be retained or liquidated by the Client, but no additional shares could be purchased. PFA uses institutional funds because (compared with funds available to retail investors) fund expenses tend to be lower, tax efficiency tends to be improved, and the fund experiences less volatility in the flow of money in and out of the fund by investors. B. Risk of Loss 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. PFA will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals, or other factors that may affect this analysis. PFA primarily employs investment strategies that do not involve any significant or unusual risk other than domestic equity and international market risks. The Advisor will work with the Client to determine their tolerance for risk as part of the portfolio construction process. Item 9 – Disciplinary Information PFA and its advisory personnel value the trust you place in us. As we advise all Clients, we encourage you to perform the requisite due diligence on any advisor or service provider with which you partner. Our backgrounds are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. To review PFA information contained in Form ADV, select the option for Investment Adviser Firm and enter 305188 in the field labeled “Firm IARD/CRD Number” to access Form ADV Parts 1 and 2. Item 11 of the ADV Part 1 lists legal and disciplinary questions. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 7 www.parkerfeeonly.com  Item 10 – Other Financial Activities and Affiliations The sole business of PFA is to provide wealth management services to its Clients. PFA is jointly owned and controlled by two Members: C.L. Parker, Inc. (100% owned by Charles L. Parker, Jr.) and J. Klingen & Company, LLC (100% owned by Joseph L. Klingen). PFA utilizes the services of Consider it Done, Inc. (an Eversource Advisor Services company) to perform administrative functions, including direct client contact and access to confidential client information. PFA has agreements with providers such as EverSource CID, LLC d/b/a Consider it Done that includes confidentiality provisions. As a fiduciary, Parker Financial Advisors LLC has certain legal obligations, including the obligation to act in clients’ best interest. Parker Financial Advisors LLC maintains a Business Continuity and Succession Plan and seeks to avoid a disruption of service to clients in the event of an unforeseen loss of all key personnel, due to disability or death. To that end, Parker Financial Advisors LLC entered into a succession agreement with Buckingham Strategic Wealth, LLC, (“Buckingham”) effective April 20, 2020. In the event of the death or disability of Mr. Parker and/or Mr. Klingen, the surviving advisor (or personal representatives in the event of the death or disability of both Mr. Parker and Mr. Klingen) may elect to invoke the succession agreement. The succession agreement requires that Buckingham be notified of a transition event and that, within 30 days of notification, the representative(s) of PFA sign an asset purchase agreement. PFA principals and spouses must sign five-year non-compete agreements and deliver closing documents. After closing the sale to Buckingham, Mr Parker and Mr. Klingen (or their estates) would receive payments over four years based on a percentage of revenue from clients that elect to transition to Buckingham. Clients electing not to transition to Buckingham in such an event can retain accounts with their current custodian (e.g., Schwab) but would need to identify and engage another source for financial planning and portfolio management services. PFA will continue working to assure that a potential transition can occur without serious disruption or delay. PFA’s outsourced administrative support through EverSource CID, LLC dba Consider it Done will be available to assist clients with the transition to Buckingham or, if the Client elects, to another advisor. The succession agreement is renewed annually, and renewal requires financial disclosures and attestations by both parties. No client information or identification was disclosed to Buckingham at the initiation of the succession agreement, and none is disclosed in the annual renewals. This agreement can be cancelled at any time with 30 days’ notice by Buckingham, Mr. Parker, or Mr. Klingen. As noted in a January 13, 2025 news release, Buckingham, a subsidiary of Focus Financial Partners, Inc. was combined with another Focus subsidiary (Colony Group, LLC) to form Focus Partners Wealth. PFA anticipates that our succession agreement with Buckingham will transfer to the new entity. Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading A. Code of Ethics PFA has implemented a Code of Ethics (“Code”) that defines our fiduciary commitment to each Client. This Code applies to all persons associated with PFA. The Code was developed to provide general ethical guidelines and specific instructions regarding our duties to you, our Client. PFA and its personnel owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of PFA associates to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that may include: general ethical principles, reporting personal securities trading, exceptions to reporting Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 8 www.parkerfeeonly.com  securities trading, reportable securities, initial public offerings and private placements, reporting ethical violations, distribution of the Code of Ethics, review and enforcement processes, and amendments to Form ADV and supervisory procedures. PFA has written its Code of Ethics to meet and exceed regulatory standards. To request a copy of our Code of Ethics, please contact us at (832) 476-3495 or via email at info@parkerfeeonly.com. B. Personal Trading and Conflicts of Interest PFA allows our employees to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities we recommend (purchase or sell) for you presents a potential conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures. As noted above, we have adopted, consistent with Section 204A of the Investment Advisers Act of 1940, a Code of Ethics, which addresses insider trading (material non-public information controls) and personal securities reporting procedures. We have also adopted written policies and procedures to detect the misuse of material, non-public information. We may have an interest or position in certain securities, which may also be recommended to you. At no time, will PFA or any associated person of PFA, engage in personal securities transactions to the detriment of a Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] PFA does not have discretionary authority to select the broker-dealer/custodian for custodial and execution services or the administrator for defined contribution accounts. The Client will select the broker-dealer or custodian ("Custodian") to safeguard Client assets and authorize PFA to direct trades to this custodian as agreed in the Agreement. Further, PFA does not have the discretionary authority to negotiate commissions on behalf of our Clients on a trade-by-trade basis. PFA typically recommends to Clients that they established their brokerage account[s] at the Institutional Services division of Charles Schwab & Co. (”Schwab”). Schwab is an independent and unaffiliated SEC-registered broker-dealer and FINRA member. Schwab offers registered investment advisors services, which include custody of securities, trade execution, clearance and settlement of transactions. PFA receives some benefits from Schwab. PFA considers factors in selecting and/or recommending brokers and custodians for Client accounts, including, but not limited to: execution capability, experience and financial stability, reputation, and the quality of services provided. PFA is not affiliated with, or related to, Schwab. 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers whereby an advisor enters into an agreement to place security trades with the broker in exchange for research and other services. This is discussed further in 14.A. below. PFA has not entered into any agreements concerning soft dollar programs sponsored or offered by any broker-dealer. 2. Brokerage Referrals - PFA does not receive any compensation from any third party in connection with the recommendation for establishing a brokerage account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis,” where PFA will place trades within the established account[s] at the custodian designated by the Client. Further, all Client accounts are traded within their respective brokerage account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 9 www.parkerfeeonly.com  transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In selecting the custodian, PFA will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the designated custodian. As discussed in Item 8 above, PFA generally causes clients to purchase mutual fund shares for which the client pays a transaction charge. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the broker. PFA will execute its transactions through an unaffiliated broker-dealer selected by the Client. PFA may aggregate orders in a block trade or trades when securities are purchased or sold through the same broker-dealer for multiple (discretionary) accounts. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Accounts are monitored on a regular and continuous basis by Mr. Parker, Member and Chief Compliance Officer of the Advisor and Mr. Klingen, Member and Investment Advisor Representative. Portfolios are normally reviewed with clients at least annually or more or less frequently, depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account. The Client should notify PFA if changes occur in his/her personal financial situation that might adversely affect his/her investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the trustee or custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor also provides Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 - Client Referrals and Other Compensation A. Compensation Received by PFA Participation in Institutional Advisor Platform PFA has established institutional relationships with Schwab to assist the Advisor in managing Client account[s]. Access to Schwab’s Institutional platform is provided at no charge to the Advisor. The Advisor receives access to Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 10 www.parkerfeeonly.com  software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. The receipt of economic benefits from a custodian creates a potential conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from Schwab: receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. B. Client Referrals from Solicitors PFA may enter into referral agreements with solicitors under which PFA pays a fee to a solicitor for Client referrals as permitted by applicable rules and regulations. PFA would agree to pay a solicitor a percentage of revenue generated from the assets of Clients introduced to PFA by the solicitor. This fee percentage would be a fixed percentage of the total fees generated by the Client. Clients referred to PFA will not be charged a higher management fee than other Clients to cover the solicitor’s fees. PFA currently has no solicitor arrangements. Item 15 – Custody Custody is defined as having any access to client funds or securities. Because PFA has limited authority to instruct the account custodian to deduct the investment management fee directly from the client’s account, PFA is considered to have “custody” of client assets. This limited access is monitored by the client through receipt of account statements directly from the Custodian. These statements show any deduction for advisory fees from the account. Otherwise, PFA has no other access to funds. The custodian will send a written monthly statement (less frequently in the event of no account activity) to each client detailing all account activity, including deduction of the advisory fee. Clients may elect to receive custodial account statements and confirmations electronically in lieu of paper confirmations and statements. When clients receive their statements from the account custodian, clients should carefully review those statements and take the time to compare them with any written reports received from PFA, if applicable. If the client finds discrepancies, the custodian and PFA should be notified. In addition to the periodic statements that clients receive directly from their custodians, we also send account statements directly to our clients on a quarterly basis. We urge our clients to carefully compare the information provided on these statements to ensure that all account transactions, holdings and values are correct and current. If you are not receiving at least quarterly custodial account statements, please contact us at the number on the cover page of this brochure. For accounts where the client requests the use of third party Standing Letters of Authorization (“SLOA”), the firm is deemed to have custody of client funds or securities. The firm is not required to obtain a surprise annual examination of client assets; however, they are required to list these accounts in Item 9 of ADV Part 1. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 11 www.parkerfeeonly.com  Item 16 – Investment Discretion PFA generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by PFA. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority is evidenced by the Client's execution of an Agreement containing all applicable limitations to such authority. All discretionary trades made by PFA will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities PFA does not accept proxy-voting responsibility for any Client. Item 18 – Financial Information Neither PFA, nor its management has any adverse financial situations that would reasonably impair the ability of PFA to meet all obligations to its Clients. Neither PFA, nor any of its advisory persons, has been subject to a bankruptcy or financial compromise. PFA did not require or seek Paycheck Protection Program (“PPP”) assistance during the COVID pandemic. PFA is not required to deliver a balance sheet along with this Brochure as the firm does not collect advance fees for services to be performed six months or more in advance. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 12 www.parkerfeeonly.com  Privacy Policy Effective: PFA has implemented a written privacy policy as of its inception in September of 2019. Current Policy: PFA is committed to safeguarding the use of your personal information that we have as your Investment Advisor. PFA (referred to as "we", "our" and "us" throughout this notice) protects the security and confidentiality of the personal information we have and make efforts to ensure that such information is used for proper business purposes in connection with the management or servicing of your account. Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything we can to maintain that trust. We do not sell your non-public personal information to anyone. Nor does PFA provide such information to others except for discrete and proper business purposes in connection with the servicing and management of your account as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this privacy policy. The Information We Collect About You You typically provide personal information when you complete the paperwork required to become our Client. This information may include your: • Name and home address • Assets • E-mail address • Liabilities • • Phone number Income • • Account balances and holdings Social security or taxpayer identification number • Investment activity • Accounts at other institutions In addition, we may collect non-public information about you from the following sources: • Information we receive on Brokerage Agreements, Managed Account Agreements and other Subscription and Account Opening Documents; • Information we receive in the course of establishing a customer relationship including, but not limited to, applications, forms, and questionnaires; • Information about your transactions with us or others Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 13 www.parkerfeeonly.com  Information About You That PFA Shares PFA works to provide products and services that benefit our customers. We may share non-public personal information with non-affiliated third parties (such as brokers and custodians) as necessary for us to provide agreed services and products to you consistent with applicable law. We may also disclose non-public personal information to other financial institutions with whom we have joint business arrangements for proper business purposes in connection with the management or servicing of your account. Your non-public personal information may also be disclosed to persons we believe to be your authorized agent or representative, regulators to satisfy PFA’s regulatory obligations, and as otherwise required or permitted by law. We may disclose your non-public personal information to companies we hire to help administer our business. Companies we hire to provide services of this kind are not to use your personal information for their own purposes and are to maintain strict confidentiality, using your personal information only as required in the performance of the specific service we have requested. We do not sell your non-public personal information to anyone. Information About Former Clients PFA does not disclose, and does not intend to disclose, non-public personal information to non-affiliated third parties concerning persons who are no longer our clients. Confidentiality and Security Our employees are advised about the firm's need to respect the confidentiality of our customers' non-public personal information. Additionally, we maintain physical, procedural, and electronic safeguards in an effort to protect the information from access by unauthorized parties. We'll Keep You Informed We will send you notice of our privacy policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise our privacy policy and will provide you with a revised policy if the changes materially alter the previous privacy policy. We will not, however, revise our privacy policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. You may obtain a copy of our current privacy policy by contacting us at (832) 476-3495. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 14 www.parkerfeeonly.com  Form ADV Part 2B – Individual Disclosure Brochure for Advisor Charles Lee Parker, Jr. CRD No: 1406057 Effective: February 15, 2026 This Brochure Supplement provides information about the background and qualifications of Charles Lee Parker, Jr. (CRD# 1406057) in addition to the information contained in the Parker Financial Advisors, LLC (“PFA”) Brochure. If you have not received a copy of this Brochure or if you any questions about the contents of the PFA Brochure or this Brochure Supplement, please contact us at (832) 476-3495 or by email at charles@parkerfeeonly.com. Additional information about Mr. Parker is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number 1406057. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 15 www.parkerfeeonly.com  Item 2 – Educational Background and Business Experience A member and the Chief Compliance Officer of PFA is Charles L. Parker, Jr. Born in 1959, Mr. Parker assists a limited group of successful individuals and families make smart financial decisions with a goal of achieving everything that is important to them. Mr. Parker earned a BBA from the University of Texas, is a CFP® practitioner, a NAPFA-Registered Financial Advisor and an Accredited Estate Planner®. CFP®–CERTIFIED FINANCIAL PLANNER™ Individuals certified by CFP® Board have taken the step to demonstrate their professionalism by voluntarily submitting to the CFP® certification process that includes thorough education, examination, experience and ethical requirements. The CFP® is issued by the Certified Financial Planner Board of Standards, Inc. Prerequisites require a designee to hold a Bachelor’s degree (or higher) from an accredited college or university as well as three years of full-time personal financial planning experience. The designee is then required to complete a CFP® board registered program, or hold one of the following designations; CPA, ChFC, CLU, CFA, PhD. In business or economics, Doctor of Business Administration, or Attorney’s License. The designee is then required to complete the CFP® certification n examination. In addition, the designee is required to complete 30 hours of continuing education every two years. NAPFA-Registered Financial Advisor® NAPFA-Registered Financial Advisor® is the top level of membership in the National Association of Personal Financial Advisors (NAPFA). All NAPFA-Registered Financial Advisors® must have three years of comprehensive financial planning experience and have a sample comprehensive financial plan pass a peer review process. NAPFA-Registered Financial Advisors® must possess a Bachelor’s degree from an accredited institution. Currently, new NAPFA-Registered Financial Advisors® must also possess either the Certified Financial Planner™ designation awarded by the Certified Financial Planner Board of Standards, Inc. All NAPFA-Registered Financial Advisors® must also adhere to NAPFA’s Fiduciary Oath, Standards of Membership and Affiliation, and Bylaws. NAPFA-Registered Financial Advisors must also comply with NAPFA’s industry-leading strict continuing education requirements of sixty hours every two years. All NAPFA-Registered Financial Advisors® provide investment and/or financial advice on a strictly Fee-Only basis as defined by NAPFA. . These qualifications and requirements may not have been in place when membership was obtained. Accredited Estate Planner® To be eligible for the AEP® designation, the applicant be currently licensed to practice law as an Attorney (JD) or to practice as a Certified Public Account (CPA) or hold one of the following designations: Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), Certified Financial Planner (CFP®), OR CERTIFIED TRUST AND FINANCIAL ADVISOR (CTFA). Individuals must be presently and significantly engaged in “estate planning activities” as an attorney, an accountant, an insurance professional and financial planner, or a trust officer. A minimum of five (5) years of experience in estate planning and estate planning activities is required. Additional information regarding Mr. Parker’s employment history is included below. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 16 www.parkerfeeonly.com  Business Background: Employer Time Period 2019 - Present Managing Member and Chief Compliance Officer, Parker Financial Advisors, LLC 1996 - 2019 President and Chief Compliance Officer, C.L. Parker, Inc. d/b/a Parker Financial Advisors 1985 - 1996 Vice President and 50% Owner, PRESAGE Inc. (a financial advisory firm) Financial Planner, Kanaly Trust Company 1981 - 1985 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Parker. Mr. Parker has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Parker. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Parker. However, we do encourage you to independently view the background of Mr. Parker on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 1406057 in the field labeled “Individual CRD Number”. Item 4 – Other Business Activities Mr. Parker is currently the 100% owner and president of C.L. Parker, Inc., a 50% owner and managing member of Parker Financial Advisors, LLC. C.L. Parker, Inc. has no other business activities and no other source of revenue. Item 5 – Additional Compensation None. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 17 www.parkerfeeonly.com  Item 6 – Supervision Mr. Parker serves as a managing member and Chief Compliance Officer of PFA and is the supervisor. Although one typically assumes a primary relationship role with particular clients, PFA members work cooperatively on all clients of PFA. Mr. Parker’s contact information is included on the cover of this Brochure Supplement. PFA has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of PFA. Further, PFA is subject to regulatory oversight by various agencies. These agencies require registration by PFA and its employees. As a registered entity, PFA is subject to examinations by regulators, which may be announced or unannounced. PFA is required to periodically update the information provided to these agencies and to provide various reports regarding firm business and assets. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 18 www.parkerfeeonly.com  Form ADV Part 2B – Individual Disclosure Brochure for Advisor Joseph Leonard Klingen CRD No: 2413199 Effective: February 15, 2026 this Brochure Supplement, please contact us at This Brochure Supplement provides information about the background and qualifications of Joseph Leonard Klingen (CRD# 2413199) in addition to the information contained in the Parker Financial Advisors, LLC (“PFA”) Brochure. If you have not received a copy of this Brochure or if you any questions about the contents of the PFA (832) 476-3495 or by email at Brochure or charles@parkerfeeonly.com. Additional information about Mr. Klingen is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for “Individual” using the individual’s CRD number 2413199. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 19 www.parkerfeeonly.com  Item 2 – Educational Background and Business Experience A member and Investment Advisor Representative of PFA is Joseph Leonard Klingen. Born in 1960, Mr. Klingen is a personal chief financial officer who assists a limited group of successful business owners, individuals and families make smart financial decisions with a goal of achieving everything that is important to them. Mr. Klingen earned a Master’s from the University of Mississippi in Accounting and a Bachelors from the University of Mississippi in Accounting. He is a licensed Certified Public Accountant (CPA) and holds the Personal Financial Specialist (PFS) credential. Certified Public Accountants (CPAs) are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states, require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year or 120 hours over a three-year period). Additionally, all American Institute of Certified Public Accountants (AICPA) members are required to follow a rigorous Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA’s Code of Professional Conduct within their state accountancy laws or have created their own. The Personal Financial Specialist (PFS) credential demonstrates that an individual has met the minimum education, experience and testing required of a CPA in addition to a minimum level of expertise in personal financial planning. To attain the PFS credential, a candidate must hold an unrevoked CPA license, fulfill 3,000 hours of personal financial planning business experience, complete 80 hours of personal financial planning CPE credits, pass a comprehensive financial planning exam and be an active member of the AICPA. A PFS credential holder is required to adhere to AICPA’s Code of Professional Conduct and is encouraged to follow AICPA’s Statement on Responsibilities in Financial Planning Practice. To maintain their PFS credential, the recipient must complete 60 hours of financial planning CPE credits every three years. The PFS credential is administered through the AICPA. Additional information regarding Mr. Klingen’s employment history is included below. Business Background: Employer Time Period 2019 - Present Managing Member and Investment Adviser Representative, Parker Financial Advisors, LLC 2008 - 2019 Investment Advisor Representative, C. L. Parker, Inc. d/b/a Parker Financial Advisors Investment Strategist, Stanford Capital Management, LLC 2007 - 2008 Senior VP / Senior Trust Officer, Stanford Trust Company 2004 - 2007 Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 20 www.parkerfeeonly.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Klingen. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Klingen. However, we do encourage you to independently view the background of Mr. Klingen on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 2413199 in the field labeled “Individual CRD Number”. Item 4 – Other Business Activities Mr. Klingen is currently the 100% owner and member of J. Klingen & Company, LLC., a 50% owner and managing member of Parker Financial Advisors, LLC. J. Klingen & Company, LLC has no other business activities and no other source of revenue. Item 5 – Additional Compensation None. Item 6 – Supervision Mr. Klingen serves as a managing member and Investment Advisor Representative of PFA. He is supervised by Charles L. Parker, Jr., PFA’s CCO. Mr. Klingen is an owner and member of PFA. Although one typically assumes a primary relationship role with particular clients, PFA members work cooperatively on all clients of PFA. Mr. Parker can be contacted by email at charles@parkerfeeonly.com or by phone at (832) 476-3495. PFA has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of PFA. Further, PFA is subject to regulatory oversight by various agencies. These agencies require registration by PFA and its employees. As a registered entity, PFA is subject to examinations by regulators, which may be announced or unannounced. PFA is required to periodically update the information provided to these agencies and to provide various reports regarding firm business and assets. Parker Financial Advisors, LLC 14800 St. Mary’s Lane, Suite 245, Houston, TX 77079-2943 Phone: (832) 476-3495 * Fax: (832) 726-0828 21 www.parkerfeeonly.com