POLARIS FINANCIAL PARTNERS, LLC

Polaris Financial Partners, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Polaris Financial Partners, LLC. If you have any questions about the contents of this brochure, please contact us at (614) 901-3400 or by email at: bdeitrick@pfp.llc. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Polaris Financial Partners, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. Polaris Financial Partners, LLC’s CRD number is: 299258. 470 Olde Worthington Road Suite 450 Westerville, OH 43082 (614) 901-3400 bdeitrick@pfp.llc https://polarisfinancial.net Registration as an investment adviser does not imply a certain level of skill or training. Version Date: 02/19/2026 i  Item 2: Material Changes There have been a few minor material changes to report since last submission. More changes might be made in the future as we continue to onboard new staff. ii  Item 3: Table of Contents Item 1: Cover Page Item 2: Material Changes ....................................................................................................................................... ii Item 3: Table of Contents ...................................................................................................................................... iii Item 4: Advisory Business ......................................................................................................................................2 Item 5: Fees and Compensation .............................................................................................................................4 Item 6: Performance-Based Fees and Side-By-Side Management ....................................................................5 Item 7: Types of Clients ..........................................................................................................................................5 Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss ...............................................................5 Item 9: Disciplinary Information ...........................................................................................................................8 Item 10: Other Financial Industry Activities and Affiliations ...........................................................................9 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .................9 Item 12: Brokerage Practices ................................................................................................................................10 Item 13: Review of Accounts ................................................................................................................................12 Item 14: Client Referrals and Other Compensation ..........................................................................................13 Item 15: Custody ....................................................................................................................................................14 Item 16: Investment Discretion ............................................................................................................................14 Item 17: Voting Client Securities (Proxy Voting) ..............................................................................................14 Item 18: Financial Information .............................................................................................................................15 Item 19: Requirements For State Registered Advisers .....................................................................................15 iii  Item 4: Advisory Business A. Description of the Advisory Firm Polaris Financial Partners, LLC (hereinafter “PFP LLC”) is a Limited Liability Company organized in the State of Ohio. The firm was formed in June 2008, and the principal owner is Bob Deitrick. Annual Fee Total Assets Under Management $100,000- $500,000 1.50% $500,001 - $1,000,000 1.20% $1,000,001 - $3,000,000 1.00% $3,000,001 - $5,000,000 0.90% $5,000,001 - $10,000,000 0.80% $10,000,001 – And Up Negotiable 529 Account Fee (Billed Annually) 0.50% Lower fees for comparable services may be available from other sources. PFP LLC will not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Account. PFP LLC manages a wrap fee program and will wrap third party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.) for wrap fee accounts. PFP LLC will charge one fee and pay transaction fees for the Account using the fee collected from Client. B. Types of Advisory Services Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments 2  PFP LLC generally limits its investment advice to mutual funds, fixed income securities, equities, ETFs (including ETFs in the gold and precious metal sectors) and treasury inflation protected/inflation linked bonds, although PFP LLC primarily recommends equities. PFP LLC may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions PFP LLC will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by PFP LLC on behalf of the client. PFP LLC may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. PFP LLC advisory service custom tailors each individual clients' portfolio commensurate with their goals, objectives, tolerance for investment risk, and their family situation and needs as well. PFP LLC reviews the alpha and beta, standard deviation and peer group ranking of the investment product with clients as well so they understand the risk and potential reward associated with each investment PFP LLC recommends to them. PFP LLC will then build a customized investment portfolio geared specifically to that client. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent PFP LLC from properly servicing the client account, or if the restrictions would require PFP LLC to deviate from its standard suite of services, PFP LLC reserves the right to end the relationship. D. Wrap Fee Programs PFP LLC acts as portfolio manager and sponsor for a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. However, this brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. E. Assets Under Management PFP LLC has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $226,113,023.26 January 2026 $0 3  Item 5: Fees and Compensation A. Fee Schedule Financial Planning Fees Fixed Fees The negotiated fixed rate for creating client financial plans is to be determined on a case- by-case basis but would be projected to be $200 to $5,000. Our financial planning software is Right Capital. Clients may terminate the agreement without penalty for full refund of PFP LLC’s fees, within five business days of signing the Financial Planning Agreement if the same is provided at time of signing. Thereafter, clients may terminate the Financial Planning Agreement generally upon written notice. B. Payment of Fees Payment of Financial Planning Fees Financial planning fees are paid via wire. Fixed financial planning fees are paid 100% in advance, but never more than six months in advance. C. Client Responsibility For Third Party Fees Clients are responsible for the payment of all third-party fees (i.e., custodian fees, commissions, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by PFP LLC. This brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see the separate Wrap Fee Program Brochure for additional details regarding third party fees. D. Prepayment of Fees Fees are paid in advance. The advisory fee is calculated using the value of the assets on the last business day of the prior billing period. Once fees are drawn for the quarter, they are paid in advance and that is considered payment for our time and services for the entire quarter. There will be no pro-rated refunds made if the client decides to depart PFP LLC by ACAT, delink, or otherwise before the end of that quarter. 4  E. Outside Compensation For the Sale of Securities to Clients Neither PFP LLC nor its supervised persons accept any compensation for the sale of investment products, including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance-Based Fees and Side-By-Side Management PFP LLC does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. Item 7: Types of Clients PFP LLC generally provides advisory services to the following types of clients: ❖ ❖ Individuals High-Net-Worth Individuals There is no account minimum for any of PFP LLC’s services. Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss A. Methods of Analysis and Investment Strategies Methods of Analysis PFP LLC’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern portfolio theory, Quantitative analysis and Technical analysis. Charting analysis involves the use of patterns in performance charts. PFP LLC uses this technique to search for patterns used to help predict favorable conditions for buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to find favorable conditions for buying and/or selling a security. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. 5  Modern portfolio theory is a theory of investment that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various asset. Quantitative analysis deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Technical analysis involves the analysis of past market data; primarily price and volume. Investment Strategies PFP LLC uses long term trading. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. B. Material Risks Involved Methods of Analysis Charting analysis strategy involves using and comparing various charts to predict long and short term performance or market trends. The risk involved in using this method is that only past performance data is considered without using other methods to crosscheck data. Using charting analysis without other methods of analysis would be making the assumption that past performance will be indicative of future performance. This may not be the case. Cyclical analysis assumes that the markets react in cyclical patterns which, once identified, can be leveraged to provide performance. The risks with this strategy are two- fold: 1) the markets do not always repeat cyclical patterns; and 2) if too many investors begin to implement this strategy, then it changes the very cycles these investors are trying to exploit. Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. Modern portfolio theory assumes that investors are risk averse, meaning that given two portfolios that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher expected returns must accept more risk. The exact trade-off will be the same for all investors, but different investors will evaluate the trade-off differently based on individual risk aversion characteristics. The implication is that a rational investor will not invest in a portfolio if a second portfolio 6  exists with a more favorable risk-expected return profile – i.e., if for that level of risk an alternative portfolio exists which has better expected returns. Quantitative analysis Investment strategies using quantitative models may perform differently than expected as a result of, among other things, the factors used in the models, the weight placed on each factor, changes from the factors’ historical trends, and technical issues in the construction and implementation of the models. Technical analysis attempts to predict a future stock price or direction based on market trends. The assumption is that the market follows discernible patterns and if these patterns can be identified then a prediction can be made. The risk is that markets do not always follow patterns and relying solely on this method may not take into account new patterns that emerge over time. Investment Strategies Long term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. C. Risks of Specific Securities Utilized Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below (leaving aside Treasury Inflation Protected/Inflation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual funds carries the risk of capital loss and thus you may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. The funds can be of bond “fixed income” nature (lower risk) or stock “equity” nature. Equity investment generally refers to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environments. Fixed income investments generally pay a return on a fixed schedule, though the amount of the payments can vary. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities, although individual bonds 7  may be the best known type of fixed income security. In general, the fixed income market is volatile and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. The risk of default on treasury inflation protected/inflation linked bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Risks of investing in foreign fixed income securities also include the general risk of non-U.S. investing described below. Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Precious Metal ETFs (e.g., Gold, Silver, or Palladium Bullion backed “electronic shares” not physical metal) specifically may be negatively impacted by several unique factors, among them (1) large sales by the official sector which own a significant portion of aggregate world holdings in gold and other precious metals, (2) a significant increase in hedging activities by producers of gold or other precious metals, (3) a significant change in the attitude of speculators and investors. Annuities are a retirement product for those who may have the ability to pay a premium now and want to guarantee they receive certain monthly payments or a return on investment later in the future. Annuities are contracts issued by a life insurance company designed to meet requirement or other long-term goals. An annuity is not a life insurance policy. Variable annuities are designed to be long-term investments, to meet retirement and other long-range goals. Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. Variable annuities also involve investment risks, just as mutual funds do. Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Item 9: Disciplinary Information A. Criminal or Civil Actions There are no criminal or civil actions to report. B. Administrative Proceedings There are no administrative proceedings to report. 8  C. Self-regulatory Organization (SRO) Proceedings There are no self-regulatory organization proceedings to report. Item 10: Other Financial Industry Activities and Affiliations A. Registration as Insurance Agent Along with being a licensed Investment Advisor Representative, Robert Deitrick is licensed to sell insurance in the State of Ohio. We are not, however, affiliated with a broker-dealer. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics PFP LLC has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. PFP LLC's Code of Ethics is available free upon request to any client or prospective client. B. Recommendations Involving Material Financial Interests PFP LLC does not recommend that clients buy or sell any security in which a related person to PFP LLC or PFP LLC has a material financial interest. C. Investing Personal Money in the Same Securities as Clients PFP LLC does not recommend specific securities to clients and therefore representatives of PFP LLC do not buy or sell securities for themselves that they also recommend to clients. D. Trading Securities At/Around the Same Time as Clients’ Securities 9  PFP LLC does not trade client securities. Item 12: Brokerage Practices A. Factors Used to Select Custodians PFP LLC acts as portfolio manager and sponsor for a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. PFP LLC trades client accounts and recommends custodians as described in the Wrap Fee Program Brochure. However, this brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. PFP LLC may recommend that clients establish brokerage accounts with the Schwab Advisor Services division of Charles Schwab & Co., Inc. (Schwab), a registered broker- dealer, member SIPC, to maintain custody of clients’ assets and to effect trades for their accounts. The final decision to custody assets with Schwab is at the discretion of the Advisor’s clients, including those accounts under ERISA or IRA rules and regulations, in which case the client is acting as either the plan sponsor or IRA accountholder. PFP LLC is independently owned and operated and not affiliated with Schwab. Schwab provides PFP LLC with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained in accounts at Schwab Advisor Services. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For PFP LLC client accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab also makes available to PFP LLC other products and services that benefit PFP LLC but may not benefit its clients’ accounts. These benefits may include national, regional or PFP LLC specific educational events organized and/or sponsored by Schwab Advisor Services. Other potential benefits may include occasional business entertainment of personnel of PFP LLC by Schwab Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist PFP LLC in managing and administering clients’ accounts. These include 10  software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information and other market data, facilitate payment of PFP LLC fees from its clients’ accounts, and assist with back-office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of [Advisor Firm’s] accounts, including accounts not maintained at Schwab Advisor Services. Schwab Advisor Services also makes available to PFP LLC other services intended to help PFP LLC manage and further develop its business enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, human capital consultants, insurance and marketing. In addition, Schwab may make available, arrange and/or pay vendors for these types of services rendered to PFP LLC by independent third parties. Schwab Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to PFP LLC. While, as a fiduciary, PFP LLC endeavors to act in its clients’ best interests, [Advisor Firm’s] recommendation/requirement that clients maintain their assets in accounts at Schwab may be based in part on the benefit to PFP LLC of the availability of some of the foregoing products and services and other arrangements and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab, which may create a potential conflict of interest. Products & Services Available to Us From Schwab Schwab Advisor Services (formerly called Schwab Institutional) is Schwab’s business serving independent investment advisory firms like ours. They provide us and our clients with access to its institutional brokerage – trading, custody, reporting and related services – many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis and at no charge to us as long as we maintain a total of at least $10 million of our clients’ assets in accounts at Schwab. Services that Benefit Client Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit clients or their account(s). Services that May Not Directly Benefit Clients Schwab also makes available to us other products and services that benefit us but may not directly benefit the client or their account(s). These products and services assist us in 11  managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or some substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: o provides access to client account data (such as duplicate trade confirmations and account statements); o facilitates trade execution and allocate aggregated trade orders for multiple client accounts; o provides pricing and other market data; o facilitates payment of our fees from our clients’ accounts; and o assists with back-office functions, recordkeeping and client reporting. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: o educational conferences and events o technology, compliance, legal, and business consulting; o publications and conferences on practice management and business succession; and o access to employee benefits providers, human capital consultants and insurance providers. Schwab may provide some of these services itself. In other cases, it will arrange for third- party vendors to provide the services to us. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Item 13: Review of Accounts A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews All financial planning accounts are reviewed upon financial plan creation and plan delivery by Bob Deitrick, CEO. Financial planning clients are provided a one-time financial plan concerning their financial situation. After the presentation of the plan, there are no further reports. Clients may request additional plans or reports for a fee. B. Factors That Will Trigger a Non-Periodic Review of Client Accounts With respect to financial plans, PFP LLC’s services will generally conclude upon delivery of the financial plan. 12  C. Content and Frequency of Regular Reports Provided to Clients Each financial planning client will receive the financial plan upon completion. Item 14: Client Referrals and Other Compensation A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) Charles Schwab & Co., Inc. Advisor Services provides PFP LLC with access to Charles Schwab & Co., Inc. Advisor Services’ institutional trading and custody services, which are typically not available to Charles Schwab & Co., Inc. Advisor Services retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the adviser’s clients’ assets are maintained in accounts at Charles Schwab & Co., Inc. Advisor Services. Charles Schwab & Co., Inc. Advisor Services includes brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For PFP LLC client accounts maintained in its custody, Charles Schwab & Co., Inc. Advisor Services generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Charles Schwab & Co., Inc. Advisor Services or that settle into Charles Schwab & Co., Inc. Advisor Services accounts. Charles Schwab & Co., Inc. Advisor Services also makes available to PFP LLC other products and services that benefit PFP LLC but may not benefit its clients’ accounts. These benefits may include national, regional or PFP LLC specific educational events organized and/or sponsored by Charles Schwab & Co., Inc. Advisor Services. Other potential benefits may include occasional business entertainment of personnel of PFP LLC by Charles Schwab & Co., Inc. Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist PFP LLC in managing and administering clients’ accounts. These include software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts, if applicable), provide research, pricing information and other market data, facilitate payment of PFP LLC’s fees from its clients’ accounts (if applicable), and assist with back- office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of PFP LLC’s accounts. Charles Schwab & Co., Inc. Advisor Services also makes available to PFP LLC other services intended to help PFP LLC manage and further develop its business 13  enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, and human capital consultants, insurance and marketing. In addition, Charles Schwab & Co., Inc. Advisor Services may make available, arrange and/or pay vendors for these types of services rendered to PFP LLC by independent third parties. Charles Schwab & Co., Inc. Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to PFP LLC. PFP LLC is independently owned and operated and not affiliated with Charles Schwab & Co., Inc. Advisor Services. B. Compensation to Non – Advisory Personnel for Client Referrals PFP LLC does not directly or indirectly compensate any person who is not advisory personnel for client referrals. Item 15: Custody PFP LLC acts as portfolio manager and sponsor for a wrap fee program. Clients participating in the wrap fee program will have fees deducted directly from client accounts at client's custodian. When advisory fees are deducted directly from client accounts at client's custodian, PFP LLC will be deemed to have limited custody of client's assets and must have written authorization from the client to do so. Clients will receive quarterly account statements from the custodian and, in jurisdictions that require it, quarterly billing invoices from PFP LLC. Clients are urged to compare the account statements they received from custodian with any statements they received from PFP LLC. Clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. Item 16: Investment Discretion PFP LLC will have discretion over client accounts participating in the wrap fee program. clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. Item 17: Voting Client Securities (Proxy Voting) PFP LLC will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security. 14  Item 18: Financial Information A. Balance Sheet PFP LLC neither requires nor solicits prepayment of more than $500 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure. B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither PFP LLC nor its management has any financial condition that is likely to reasonably impair PFP LLC’s ability to meet contractual commitments to clients. C. Bankruptcy Petitions in Previous Ten Years PFP LLC has not been the subject of a bankruptcy petition in the last ten years. Item 19: Requirements For State Registered Advisers Principal Executive Officers and Management Persons; Their A. Formal Education and Business Background PFP LLC currently has one management person: Robert Thomas Deitrick. Education and business background can be found on the individual's Form ADV Part 2B brochure supplement. B. Other Businesses in Which This Advisory Firm or its Personnel are Engaged and Time Spent on Those (If Any) Other business activities for Robert Thomas Deitrick can be found on the Form ADV Part 2B brochure supplement. Calculation of Performance-Based Fees and Degree of Risk to C. Clients PFP LLC does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. 15  D. Material Disciplinary Disclosures for Management Persons of this Firm No management person at PFP LLC or PFP LLC has been found liable in an arbitration claim or been found liable in a civil, self-regulatory organization, or administrative proceeding that is material to the client’s evaluation of the firm or its management. E. Material Relationships That Management Persons Have With Issuers of Securities (If Any) See Item 10.C and 11.B. 16 

This brochure supplement provides information about Robert Thomas Deitrick that supplements the Polaris Financial Partners, LLC brochure. You should have received a copy of that brochure. Please contact Robert Thomas Deitrick if you did not receive Polaris Financial Partners, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Robert Thomas Deitrick is also available on the SEC’s website at www.adviserinfo.sec.gov. Polaris Financial Partners, LLC Form ADV Part 2B – Individual Disclosure Brochure for Robert Thomas Deitrick Personal CRD Number: 1158292 Investment Adviser Representative Polaris Financial Partners, LLC 470 Olde Worthington Road Suite 450 Westerville, OH 43082 (614) 901-3400 bdeitrick@pfp.llc UPDATED: 03/07/2023  Item 2: Educational Background and Business Experience Name: Robert Thomas Deitrick Born: 1961 Educational Background and Professional Designations: Education: Economics Finance and Economics, The Ohio State University - 1984 Business Background: 01/2003 - Present CEO & Investment Adviser Representative Polaris Financial Partners, LLC 02/2010 – 12/2023 Investment Adviser Representative Cadaret Grant & Co Inc. 02/2010 – 12/2023 Registered Representative Cadaret Grant & Co Inc. Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Robert Thomas Deitrick is a registered representative and an investment advisor representative. From time to time, he will offer clients advice or products from those activities. Clients should be aware that these services pay a commission or other compensation and involve a conflict of interest, as commissionable products conflict with the fiduciary duties of a registered investment adviser. Polaris Financial Partners, LLC always acts in the best interest of the client, including with respect to the sale of commissionable products to advisory clients Robert Thomas Deitrick is the Managing Member of The Polaris Pointe of St. Croix, USVI, LLC.  Clients always have the right to decide whether or not to utilize the services of any Polaris Financial Partners, LLC, representative in such individual’s outside capacities. Item 5: Additional Compensation Robert Thomas Deitrick does not receive any economic benefit from any person, company, or organization, other than Polaris Financial Partners, LLC in exchange for providing clients advisory services through Polaris Financial Partners, LLC. Item 6: Supervision As a representative of Polaris Financial Partners, LLC, Robert Thomas Deitrick is supervised by William Harrigan, the firm's General Counsel. William Harrigan is responsible for ensuring that Robert Thomas Deitrick adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for William Harrigan is (614) 901- 3400.  Item 7: Requirements For State Registered Advisers This disclosure is required by state securities authorities and is provided for your use in evaluating this investment advisor representative’s suitability. A. Robert Thomas Deitrick has NOT been involved in any of the events listed below. 1. An award or otherwise being found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following: a) an investment or an investment-related business or activity; b) fraud, false statement(s), or omissions; c) theft, embezzlement, or other wrongful taking of property; d) bribery, forgery, counterfeiting, or extortion; or e) dishonest, unfair, or unethical practices. 2. An award or otherwise being found liable in a civil, self-regulatory organization, or administrative proceeding involving any of the following: a) an investment or an investment-related business or activity; b) fraud, false statement(s), or omissions; c) theft, embezzlement, or other wrongful taking of property; d) bribery, forgery, counterfeiting, or extortion; or e) dishonest, unfair, or unethical practices. B. Robert Thomas Deitrick has NOT been the subject of a bankruptcy. 

This brochure supplement provides information about William Bradford Harrigan that supplements the Polaris Financial Partners, LLC brochure. You should have received a copy of that brochure. Please contact William Bradford Harrigan if you did not receive Polaris Financial Partners, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about William Bradford Harrigan is also available on the SEC’s website at www.adviserinfo.sec.gov. Polaris Financial Partners, LLC Form ADV Part 2B – Individual Disclosure Brochure for William Bradford Harrigan, Esq. Personal CRD Number: 7655589 Investment Adviser Representative Polaris Financial Partners, LLC 470 Olde Worthington Road Suite 450 Westerville, OH 43082 (614) 901-3400 wharrigan@pfp.llc UPDATED: 02/19/2025  Item 2: Educational Background and Business Experience Name: William Bradford Harrigan Born: 1994 Educational Background and Professional Designations: Education: J.D. Law, University of New Mexico School of Law - 2019 B.A. Journalism, University of New Mexico – 2016 Examination Licenses: Securities Industry Essentials (SIE) Series 63 – Uniform Securities Agent State Law Exam Series 65 – Uniform Investment Adviser Law Exam Business Background: 12/2022 - Present General Counsel & Investment Advisor Representative Polaris Financial Partners 01/2022 - 11/2022 Legal Advisor Virgin Islands Department of Property and Procurement 08/2019 - 01/2022 Judicial Law Clerk Superior Court of the Virgin Islands 05/2018 – 08/2018 Underwriting / Legal Counsel Intern First American Title Insurance Company 05/2017 - 08/2017 Judicial Intern Taunton Trial Court 05/2016 - 08/2016 Judicial Intern Newport County District Court 08/2014 - 08/2016 N/A Student  Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities William Bradford Harrigan is a lawyer barred in the State of Vermont, the United States Virgin Islands, and the State of Ohio. From time to time, he will offer clients advice or products from this activity. Polaris Financial Partners, LLC always acts in the best interest of the client. Clients are in no way required to utilize the services of any representative of Polaris Financial Partners, LLC in their capacity as a lawyer. Item 5: Additional Compensation William Bradford Harrigan does not receive any economic benefit from any person, company, or organization, other than Polaris Financial Partners, LLC in exchange for providing clients advisory services through Polaris Financial Partners, LLC. Item 6: Supervision As the Chief Compliance Officer of Polaris Financial Partners, LLC, William Bradford Harrigan supervises all activities of the firm. William Bradford Harrigan's contact information is on the cover page of this disclosure document. William Bradford Harrigan adheres to applicable regulatory requirements, together with all policies and procedures outlined in the firm’s code of ethics and compliance manual.  Item 7: Requirements For State Registered Advisers This disclosure is required by state securities authorities and is provided for your use in evaluating this investment advisor representative’s suitability. A. William Bradford Harrigan has NOT been involved in any of the events listed below. 1. An award or otherwise being found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following: a) an investment or an investment-related business or activity; b) fraud, false statement(s), or omissions; c) theft, embezzlement, or other wrongful taking of property; d) bribery, forgery, counterfeiting, or extortion; or e) dishonest, unfair, or unethical practices. 2. An award or otherwise being found liable in a civil, self-regulatory organization, or administrative proceeding involving any of the following: a) an investment or an investment-related business or activity; b) fraud, false statement(s), or omissions; c) theft, embezzlement, or other wrongful taking of property; d) bribery, forgery, counterfeiting, or extortion; or e) dishonest, unfair, or unethical practices. B. William Bradford Harrigan has NOT been the subject of a bankruptcy. 

Polaris Financial Partners, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Polaris Financial Partners, LLC. If you have any questions about the contents of this brochure, please contact us at (614) 901-3400 or by email at: bdeitrick@pfp.llc. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Polaris Financial Partners, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. Polaris Financial Partners, LLC’s CRD number is: 299258. 470 Olde Worthington Road Suite 450 Westerville, OH 43082 (614) 901-3400 bdeitrick@pfp.llc https://polarisfinancial.net Registration as an investment adviser does not imply a certain level of skill or training. Version Date: 02/19/2026 i  Item 2: Material Changes There have been a few minor material changes to report since last submission. More changes might be made in the future as we continue to onboard new staff. ii  Item 3: Table of Contents Item 1: Cover Page Item 2: Material Changes ....................................................................................................................................... ii Item 3: Table of Contents ...................................................................................................................................... iii Item 4: Advisory Business ......................................................................................................................................2 Item 5: Fees and Compensation .............................................................................................................................4 Item 6: Performance-Based Fees and Side-By-Side Management ....................................................................5 Item 7: Types of Clients ..........................................................................................................................................5 Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss ...............................................................5 Item 9: Disciplinary Information ...........................................................................................................................8 Item 10: Other Financial Industry Activities and Affiliations ...........................................................................9 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .................9 Item 12: Brokerage Practices ................................................................................................................................10 Item 13: Review of Accounts ................................................................................................................................12 Item 14: Client Referrals and Other Compensation ..........................................................................................13 Item 15: Custody ....................................................................................................................................................14 Item 16: Investment Discretion ............................................................................................................................14 Item 17: Voting Client Securities (Proxy Voting) ..............................................................................................14 Item 18: Financial Information .............................................................................................................................15 Item 19: Requirements For State Registered Advisers .....................................................................................15 iii  Item 4: Advisory Business A. Description of the Advisory Firm Polaris Financial Partners, LLC (hereinafter “PFP LLC”) is a Limited Liability Company organized in the State of Ohio. The firm was formed in June 2008, and the principal owner is Bob Deitrick. Annual Fee Total Assets Under Management $100,000- $500,000 1.50% $500,001 - $1,000,000 1.20% $1,000,001 - $3,000,000 1.00% $3,000,001 - $5,000,000 0.90% $5,000,001 - $10,000,000 0.80% $10,000,001 – And Up Negotiable 529 Account Fee (Billed Annually) 0.50% Lower fees for comparable services may be available from other sources. PFP LLC will not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Account. PFP LLC manages a wrap fee program and will wrap third party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.) for wrap fee accounts. PFP LLC will charge one fee and pay transaction fees for the Account using the fee collected from Client. B. Types of Advisory Services Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments 2  PFP LLC generally limits its investment advice to mutual funds, fixed income securities, equities, ETFs (including ETFs in the gold and precious metal sectors) and treasury inflation protected/inflation linked bonds, although PFP LLC primarily recommends equities. PFP LLC may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions PFP LLC will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by PFP LLC on behalf of the client. PFP LLC may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. PFP LLC advisory service custom tailors each individual clients' portfolio commensurate with their goals, objectives, tolerance for investment risk, and their family situation and needs as well. PFP LLC reviews the alpha and beta, standard deviation and peer group ranking of the investment product with clients as well so they understand the risk and potential reward associated with each investment PFP LLC recommends to them. PFP LLC will then build a customized investment portfolio geared specifically to that client. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent PFP LLC from properly servicing the client account, or if the restrictions would require PFP LLC to deviate from its standard suite of services, PFP LLC reserves the right to end the relationship. D. Wrap Fee Programs PFP LLC acts as portfolio manager and sponsor for a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. However, this brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. E. Assets Under Management PFP LLC has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $226,113,023.26 January 2026 $0 3  Item 5: Fees and Compensation A. Fee Schedule Financial Planning Fees Fixed Fees The negotiated fixed rate for creating client financial plans is to be determined on a case- by-case basis but would be projected to be $200 to $5,000. Our financial planning software is Right Capital. Clients may terminate the agreement without penalty for full refund of PFP LLC’s fees, within five business days of signing the Financial Planning Agreement if the same is provided at time of signing. Thereafter, clients may terminate the Financial Planning Agreement generally upon written notice. B. Payment of Fees Payment of Financial Planning Fees Financial planning fees are paid via wire. Fixed financial planning fees are paid 100% in advance, but never more than six months in advance. C. Client Responsibility For Third Party Fees Clients are responsible for the payment of all third-party fees (i.e., custodian fees, commissions, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by PFP LLC. This brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see the separate Wrap Fee Program Brochure for additional details regarding third party fees. D. Prepayment of Fees Fees are paid in advance. The advisory fee is calculated using the value of the assets on the last business day of the prior billing period. Once fees are drawn for the quarter, they are paid in advance and that is considered payment for our time and services for the entire quarter. There will be no pro-rated refunds made if the client decides to depart PFP LLC by ACAT, delink, or otherwise before the end of that quarter. 4  E. Outside Compensation For the Sale of Securities to Clients Neither PFP LLC nor its supervised persons accept any compensation for the sale of investment products, including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance-Based Fees and Side-By-Side Management PFP LLC does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. Item 7: Types of Clients PFP LLC generally provides advisory services to the following types of clients: ❖ ❖ Individuals High-Net-Worth Individuals There is no account minimum for any of PFP LLC’s services. Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss A. Methods of Analysis and Investment Strategies Methods of Analysis PFP LLC’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern portfolio theory, Quantitative analysis and Technical analysis. Charting analysis involves the use of patterns in performance charts. PFP LLC uses this technique to search for patterns used to help predict favorable conditions for buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to find favorable conditions for buying and/or selling a security. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. 5  Modern portfolio theory is a theory of investment that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various asset. Quantitative analysis deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Technical analysis involves the analysis of past market data; primarily price and volume. Investment Strategies PFP LLC uses long term trading. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. B. Material Risks Involved Methods of Analysis Charting analysis strategy involves using and comparing various charts to predict long and short term performance or market trends. The risk involved in using this method is that only past performance data is considered without using other methods to crosscheck data. Using charting analysis without other methods of analysis would be making the assumption that past performance will be indicative of future performance. This may not be the case. Cyclical analysis assumes that the markets react in cyclical patterns which, once identified, can be leveraged to provide performance. The risks with this strategy are two- fold: 1) the markets do not always repeat cyclical patterns; and 2) if too many investors begin to implement this strategy, then it changes the very cycles these investors are trying to exploit. Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. Modern portfolio theory assumes that investors are risk averse, meaning that given two portfolios that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher expected returns must accept more risk. The exact trade-off will be the same for all investors, but different investors will evaluate the trade-off differently based on individual risk aversion characteristics. The implication is that a rational investor will not invest in a portfolio if a second portfolio 6  exists with a more favorable risk-expected return profile – i.e., if for that level of risk an alternative portfolio exists which has better expected returns. Quantitative analysis Investment strategies using quantitative models may perform differently than expected as a result of, among other things, the factors used in the models, the weight placed on each factor, changes from the factors’ historical trends, and technical issues in the construction and implementation of the models. Technical analysis attempts to predict a future stock price or direction based on market trends. The assumption is that the market follows discernible patterns and if these patterns can be identified then a prediction can be made. The risk is that markets do not always follow patterns and relying solely on this method may not take into account new patterns that emerge over time. Investment Strategies Long term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. C. Risks of Specific Securities Utilized Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below (leaving aside Treasury Inflation Protected/Inflation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual funds carries the risk of capital loss and thus you may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. The funds can be of bond “fixed income” nature (lower risk) or stock “equity” nature. Equity investment generally refers to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environments. Fixed income investments generally pay a return on a fixed schedule, though the amount of the payments can vary. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities, although individual bonds 7  may be the best known type of fixed income security. In general, the fixed income market is volatile and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. The risk of default on treasury inflation protected/inflation linked bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Risks of investing in foreign fixed income securities also include the general risk of non-U.S. investing described below. Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Precious Metal ETFs (e.g., Gold, Silver, or Palladium Bullion backed “electronic shares” not physical metal) specifically may be negatively impacted by several unique factors, among them (1) large sales by the official sector which own a significant portion of aggregate world holdings in gold and other precious metals, (2) a significant increase in hedging activities by producers of gold or other precious metals, (3) a significant change in the attitude of speculators and investors. Annuities are a retirement product for those who may have the ability to pay a premium now and want to guarantee they receive certain monthly payments or a return on investment later in the future. Annuities are contracts issued by a life insurance company designed to meet requirement or other long-term goals. An annuity is not a life insurance policy. Variable annuities are designed to be long-term investments, to meet retirement and other long-range goals. Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. Variable annuities also involve investment risks, just as mutual funds do. Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Item 9: Disciplinary Information A. Criminal or Civil Actions There are no criminal or civil actions to report. B. Administrative Proceedings There are no administrative proceedings to report. 8  C. Self-regulatory Organization (SRO) Proceedings There are no self-regulatory organization proceedings to report. Item 10: Other Financial Industry Activities and Affiliations A. Registration as Insurance Agent Along with being a licensed Investment Advisor Representative, Robert Deitrick is licensed to sell insurance in the State of Ohio. We are not, however, affiliated with a broker-dealer. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics PFP LLC has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. PFP LLC's Code of Ethics is available free upon request to any client or prospective client. B. Recommendations Involving Material Financial Interests PFP LLC does not recommend that clients buy or sell any security in which a related person to PFP LLC or PFP LLC has a material financial interest. C. Investing Personal Money in the Same Securities as Clients PFP LLC does not recommend specific securities to clients and therefore representatives of PFP LLC do not buy or sell securities for themselves that they also recommend to clients. D. Trading Securities At/Around the Same Time as Clients’ Securities 9  PFP LLC does not trade client securities. Item 12: Brokerage Practices A. Factors Used to Select Custodians PFP LLC acts as portfolio manager and sponsor for a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. PFP LLC trades client accounts and recommends custodians as described in the Wrap Fee Program Brochure. However, this brochure describes PFP LLC’s non-wrap fee advisory services; clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. PFP LLC may recommend that clients establish brokerage accounts with the Schwab Advisor Services division of Charles Schwab & Co., Inc. (Schwab), a registered broker- dealer, member SIPC, to maintain custody of clients’ assets and to effect trades for their accounts. The final decision to custody assets with Schwab is at the discretion of the Advisor’s clients, including those accounts under ERISA or IRA rules and regulations, in which case the client is acting as either the plan sponsor or IRA accountholder. PFP LLC is independently owned and operated and not affiliated with Schwab. Schwab provides PFP LLC with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained in accounts at Schwab Advisor Services. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For PFP LLC client accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab also makes available to PFP LLC other products and services that benefit PFP LLC but may not benefit its clients’ accounts. These benefits may include national, regional or PFP LLC specific educational events organized and/or sponsored by Schwab Advisor Services. Other potential benefits may include occasional business entertainment of personnel of PFP LLC by Schwab Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist PFP LLC in managing and administering clients’ accounts. These include 10  software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information and other market data, facilitate payment of PFP LLC fees from its clients’ accounts, and assist with back-office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of [Advisor Firm’s] accounts, including accounts not maintained at Schwab Advisor Services. Schwab Advisor Services also makes available to PFP LLC other services intended to help PFP LLC manage and further develop its business enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, human capital consultants, insurance and marketing. In addition, Schwab may make available, arrange and/or pay vendors for these types of services rendered to PFP LLC by independent third parties. Schwab Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to PFP LLC. While, as a fiduciary, PFP LLC endeavors to act in its clients’ best interests, [Advisor Firm’s] recommendation/requirement that clients maintain their assets in accounts at Schwab may be based in part on the benefit to PFP LLC of the availability of some of the foregoing products and services and other arrangements and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab, which may create a potential conflict of interest. Products & Services Available to Us From Schwab Schwab Advisor Services (formerly called Schwab Institutional) is Schwab’s business serving independent investment advisory firms like ours. They provide us and our clients with access to its institutional brokerage – trading, custody, reporting and related services – many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis and at no charge to us as long as we maintain a total of at least $10 million of our clients’ assets in accounts at Schwab. Services that Benefit Client Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit clients or their account(s). Services that May Not Directly Benefit Clients Schwab also makes available to us other products and services that benefit us but may not directly benefit the client or their account(s). These products and services assist us in 11  managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or some substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: o provides access to client account data (such as duplicate trade confirmations and account statements); o facilitates trade execution and allocate aggregated trade orders for multiple client accounts; o provides pricing and other market data; o facilitates payment of our fees from our clients’ accounts; and o assists with back-office functions, recordkeeping and client reporting. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: o educational conferences and events o technology, compliance, legal, and business consulting; o publications and conferences on practice management and business succession; and o access to employee benefits providers, human capital consultants and insurance providers. Schwab may provide some of these services itself. In other cases, it will arrange for third- party vendors to provide the services to us. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Item 13: Review of Accounts A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews All financial planning accounts are reviewed upon financial plan creation and plan delivery by Bob Deitrick, CEO. Financial planning clients are provided a one-time financial plan concerning their financial situation. After the presentation of the plan, there are no further reports. Clients may request additional plans or reports for a fee. B. Factors That Will Trigger a Non-Periodic Review of Client Accounts With respect to financial plans, PFP LLC’s services will generally conclude upon delivery of the financial plan. 12  C. Content and Frequency of Regular Reports Provided to Clients Each financial planning client will receive the financial plan upon completion. Item 14: Client Referrals and Other Compensation A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) Charles Schwab & Co., Inc. Advisor Services provides PFP LLC with access to Charles Schwab & Co., Inc. Advisor Services’ institutional trading and custody services, which are typically not available to Charles Schwab & Co., Inc. Advisor Services retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the adviser’s clients’ assets are maintained in accounts at Charles Schwab & Co., Inc. Advisor Services. Charles Schwab & Co., Inc. Advisor Services includes brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For PFP LLC client accounts maintained in its custody, Charles Schwab & Co., Inc. Advisor Services generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Charles Schwab & Co., Inc. Advisor Services or that settle into Charles Schwab & Co., Inc. Advisor Services accounts. Charles Schwab & Co., Inc. Advisor Services also makes available to PFP LLC other products and services that benefit PFP LLC but may not benefit its clients’ accounts. These benefits may include national, regional or PFP LLC specific educational events organized and/or sponsored by Charles Schwab & Co., Inc. Advisor Services. Other potential benefits may include occasional business entertainment of personnel of PFP LLC by Charles Schwab & Co., Inc. Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist PFP LLC in managing and administering clients’ accounts. These include software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts, if applicable), provide research, pricing information and other market data, facilitate payment of PFP LLC’s fees from its clients’ accounts (if applicable), and assist with back- office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of PFP LLC’s accounts. Charles Schwab & Co., Inc. Advisor Services also makes available to PFP LLC other services intended to help PFP LLC manage and further develop its business 13  enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, and human capital consultants, insurance and marketing. In addition, Charles Schwab & Co., Inc. Advisor Services may make available, arrange and/or pay vendors for these types of services rendered to PFP LLC by independent third parties. Charles Schwab & Co., Inc. Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to PFP LLC. PFP LLC is independently owned and operated and not affiliated with Charles Schwab & Co., Inc. Advisor Services. B. Compensation to Non – Advisory Personnel for Client Referrals PFP LLC does not directly or indirectly compensate any person who is not advisory personnel for client referrals. Item 15: Custody PFP LLC acts as portfolio manager and sponsor for a wrap fee program. Clients participating in the wrap fee program will have fees deducted directly from client accounts at client's custodian. When advisory fees are deducted directly from client accounts at client's custodian, PFP LLC will be deemed to have limited custody of client's assets and must have written authorization from the client to do so. Clients will receive quarterly account statements from the custodian and, in jurisdictions that require it, quarterly billing invoices from PFP LLC. Clients are urged to compare the account statements they received from custodian with any statements they received from PFP LLC. Clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. Item 16: Investment Discretion PFP LLC will have discretion over client accounts participating in the wrap fee program. clients utilizing PFP LLC’s wrap fee portfolio management should see PFP LLC’s separate Wrap Fee Program Brochure. Item 17: Voting Client Securities (Proxy Voting) PFP LLC will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security. 14  Item 18: Financial Information A. Balance Sheet PFP LLC neither requires nor solicits prepayment of more than $500 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure. B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither PFP LLC nor its management has any financial condition that is likely to reasonably impair PFP LLC’s ability to meet contractual commitments to clients. C. Bankruptcy Petitions in Previous Ten Years PFP LLC has not been the subject of a bankruptcy petition in the last ten years. Item 19: Requirements For State Registered Advisers Principal Executive Officers and Management Persons; Their A. Formal Education and Business Background PFP LLC currently has one management person: Robert Thomas Deitrick. Education and business background can be found on the individual's Form ADV Part 2B brochure supplement. B. Other Businesses in Which This Advisory Firm or its Personnel are Engaged and Time Spent on Those (If Any) Other business activities for Robert Thomas Deitrick can be found on the Form ADV Part 2B brochure supplement. Calculation of Performance-Based Fees and Degree of Risk to C. Clients PFP LLC does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. 15  D. Material Disciplinary Disclosures for Management Persons of this Firm No management person at PFP LLC or PFP LLC has been found liable in an arbitration claim or been found liable in a civil, self-regulatory organization, or administrative proceeding that is material to the client’s evaluation of the firm or its management. E. Material Relationships That Management Persons Have With Issuers of Securities (If Any) See Item 10.C and 11.B. 16