Redstone Advisors Inc.

Item 1 – Cover Page 8100 E. 22nd St. N., Bldg. 800, Ste. 101 Wichita, KS 67226 Telephone: (316) 687-2143 Fax: (316) 687-2146 Website: www.redstoneadv.com March 2026 This Brochure provides information about the qualifications and business practices of Redstone Advisors, Inc. If you have any questions about the contents of this Brochure, please contact us at (316) 687-2143. 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 Redstone Advisors, Inc. is also available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 – Material Changes The last Annual Update of our Form ADV 2A Brochure was in March 2025. Since our last Annual Update we have the following changes to report. The firm no longer utilizes Clearwater Analytics. (Item 12) We have made other minor changes for stylistic or semantic reasons or to enhance clarity. We encourage you to read this Brochure in its entirety and to contact us with any questions. Pursuant to SEC Rules, we will ensure that you receive a summary of any material changes to this and subsequent Brochures within 120 days of the close of our fiscal year. We will also provide other ongoing disclosure information about material changes, as necessary. We will provide you with a new Brochure, as necessary, based on changes or new information, at any time, without charge. Currently, our Brochure may be requested by contacting Marc A. Vincent, Chief Compliance Officer, at (316) 687-2143 or mvincent@redstoneadv.com. Our Brochure is also available on our web site, www.redstoneadv.com , free of charge. information about Redstone is available via the SEC’s web site, Additional www.adviserinfo.sec.gov. The SEC’s web site also provides information about any persons affiliated with Redstone who are registered, or are required to be registered, as investment adviser representatives of Redstone.  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................. 1 Item 2 – Material Changes ................................................................................................... 2 Item 3 – Table of Contents ................................................................................................... 3 Item 4 – Advisory Business .................................................................................................. 4 Item 5 – Fees and Compensation ......................................................................................... 4 Item 6 – Performance-Based Fees and Side-by-Side Management ...................................... 5 Item 7 – Types of Clients ..................................................................................................... 6 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ................................ 6 Item 9 – Disciplinary Information........................................................................................ 6 Item 10 – Other Financial Industry Activities and Affiliations ............................................ 6 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............................................................................ 7 Item 12 – Brokerage Practices .............................................................................................. 8 Item 13 – Review of Accounts .............................................................................................13 Item 14 – Client Referrals and Other Compensation ..........................................................14 Item 15 – Custody ...............................................................................................................14 Item 16 – Investment Discretion ........................................................................................15 Item 17 – Voting Client Securities ......................................................................................15 Item 18 – Financial Information .........................................................................................17  Item 4 – Advisory Business Redstone Advisors, Inc. (“Redstone,” “we,” “us” or “our”), established in 1991, provides a highly personalized approach to investment management. We are owned by persons who are active participants in our business. Our principal owner is Marc A. Vincent. We are an independent investment advisory firm specializing in fixed income management services (primarily municipal bond and government portfolios) for both institutions (retirement plans, endowments, foundations and union plans) and high net worth individuals. Redstone manages client portfolios on a separate account basis, and as such we are able to consider each client's unique tax and investment requirements. Clients are able to impose restrictions on investing in certain securities or types of securities, which are outlined in the Investment Policy Guidelines document that is agreed upon at the time of signing our investment management contract. We do not lend on margin and do not recommend opening an account with margin. If we acquire an existing account with margin capabilities, we do not utilize that feature. We do not provide tax or legal services. We do not currently participate in wrap fee programs. As of December 31, 2025, Redstone Advisors managed a total of $490,614,150 in assets, all on a discretionary basis. Item 5 – Fees and Compensation As a manager of capital from individuals, corporations, retirement plans, and charitable organizations, we enter into an investment management contract with each client detailing investment parameters, account objectives, and fees to be paid. Fees may be subject to negotiation. Clients pay fees quarterly unless they elect to pay a flat fee, which may be paid monthly or quarterly. Advisory fees are charged quarterly in arrears. Fees are calculated by taking the daily average market value for the quarter, assigning the applicable rate, and then dividing by four to arrive at a quarterly fee amount.  The annual rates are: 0.50% on the first $5,000,000 0.40% on the next $5,000,000; 0.30% on the balance. The specific manner in which fees are charged is established in each client’s investment management agreement. Multiple accounts may be aggregated or householded for fee calculation based on client relationship, at Redstone’s discretion. Clients should note that similar advisory services may (or may not) be available from other registered (or unregistered) investment advisers for similar or lower fees. Generally, advisory clients are subject to the minimum account requirements and advisory fees in effect at the time the client entered into the advisory relationship. Therefore, our minimum account requirements and fees will differ among clients. If a client elects to have its fees deducted directly from its account, it must provide written instructions to its Custodian, and the Custodian will require us to send our fee statement to the client and the Custodian simultaneously. The client may elect to not have its fees deducted from its account, in which event we will send the client an invoice. Clients may be responsible for paying transaction costs related to certain security types. Please refer to Item 12 of this Brochure for further information pertaining to brokerage practices. Our clients are not required to pay fees in advance. None of our supervised persons accept compensation for the sale of securities or other 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 Redstone does not charge any performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client).  Item 7 – Types of Clients Redstone provides investment advice to individuals, trusts, corporations, retirement plans and charitable organizations. As a general guideline, we require a minimum beginning account value of $1,000,000 to establish an advisory relationship. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Clients should know that investing in securities involves the risk of losing capital, and we do not make any guarantees. We invest primarily in fixed income securities. The main risks involved with investing in fixed income securities include the following: Interest Rate Risk: In general, as interest rates rise, the price of a bond will fall, and vice versa. Credit Risk: Credit risk is the risk that the issuer will default on its obligation to repay the bond investor. Prepayment Risk: Bond issuers may prepay principal earlier than scheduled, forcing the investor to receive principal sooner than anticipated and reinvest at lower rates. Item 9 – Disciplinary Information We are required to disclose all material facts regarding any legal or disciplinary events that would be material to the evaluation of Redstone or the integrity of Redstone's management. We have no information to report under this Item. Item 10 – Other Financial Industry Activities and Affiliations None of our employees are registered or have a pending application to register as a broker-dealer or a registered representative of a broker-dealer. None of our employees are registered or have a pending application to register as a futures commission merchant, commodity pool operator, a commodity trading advisor, or as an associated person of any of the foregoing.  Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Our Code of Ethics governs the conduct of our company and its personnel. It is based on the principal that all employees of Redstone and certain other persons have a fiduciary duty to place the interests of clients ahead of their own. The Code is comprised of a number of policies and procedures designed to educate our employees with respect to the terms of the Code and general obligations to our clients, provide for regular reporting of information by our employees and the review of the same by management. The Code applies to all employees, directors and officers of Redstone who (i) have access to non-public information regarding client purchases or sales of securities, (ii) are involved in making securities recommendations to clients, (iii) have access to non-public recommendations or the portfolio holdings of any reportable fund, and (iv) all of Redstone's directors, officers and portfolio management personnel. A copy of the Code will be made available upon written request directed to our Chief Compliance Officer (CCO), Marc A. Vincent. When an employee recommends that a security be bought or sold for a client account, such employee must disclose the recommended transaction to the CCO if a position in that security is held in the employee's proprietary account. The CCO may restrict such employee from buying or selling the position from any proprietary account until a specified period of time after the orders for client accounts have been filled and there is no buying or selling program in process. Our employees must give first priority to all purchases and sales of securities for our clients, prior to the execution of transactions for their own accounts. All personal trading by our employees must not conflict with the interest of a client. We reserve the right to require our employees to reverse, cancel or freeze any transaction or position in a specific security if we believe the transaction or position violates our policies. Item 12 – Brokerage Practices Redstone does not maintain custody of your assets that we manage, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15-Custody, below). Your assets must be maintained in  an account at a "qualified custodian," generally a broker-dealer or bank. Charles Schwab as Custodian: We may recommend that our clients use Charles Schwab & Co., Inc. (Schwab), a FINRA-registered broker-dealer, member SIPC, as the qualified custodian. We are independently owned and operated and not affiliated with Schwab. Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we may recommend that you use Schwab as custodian, you will decide whether to do so and open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you although we may assist you in doing so. Even though your account is maintained at Schwab, we will still consider other brokers to execute trades for your account as described in the section below, Brokerage and Custody Costs. Other Custodians: Redstone has clients who use custodians other than Schwab. Each of these custodians meets the requirements of a "qualified custodian." We are independently owned and operated and not affiliated with any custodian. How We Select Brokers and Custodians: We seek to recommend a custodian/broker who will hold your assets and execute transactions on terms that are overall most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others, these: combination of transaction execution services along with asset custody services (generally without a separate fee for custody) capability to execute, clear and settle trades (buy and sell securities for your account) capabilities to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) breadth of investment products made available (stocks, bonds, mutual funds, exchange traded funds (ETFs), etc.) availability of investment research and tools that assist us in making investment decisions quality of services competitiveness of the price of services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate them  reputation, financial strength, security, and stability of the provider, their prior service to us and our other clients availability of other products and services that benefit us, as discussed below (see "Products and Services Available to Us from Schwab") Brokerage and Custody Costs: For our clients' accounts it maintains, Schwab generally does not charge separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your Schwab account. Certain trades (for example, some mutual funds and ETFs) may not incur Schwab commissions or transaction fees. Schwab is also compensated by earning interest on the uninvested cash in your account in Schwab’s Cash Features Program. In addition to commissions, Schwab charges you a flat dollar amount as a "prime broker" or "trade away" fee for each trade that we have executed by a different broker-dealer but where the securities bought or the funds from the securities sold are deposited (settled) into your Schwab account. These fees are in addition to the commissions or other compensation you pay the executing broker-dealer, and could be an incentive to cause trades to be executed through Schwab. We take this into consideration when we execute trades for your account. For all clients, regardless of the custodian, it is our duty to seek "best execution" of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above under the heading, How We Select Brokers and Custodians. Products and Services Available to Us from Schwab: Schwab Advisor Services is Schwab's business serving independent investment advisory firms like us. 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. 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 you and your account. Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in 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: provide access to client account data (such as duplicate trade confirmations and account statements); facilitate trade execution and allocate aggregated trade orders for multiple client accounts; provide pricing and other market data; facilitate payment of our fees from our clients' accounts; and assist 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: educational conferences and events; technology, compliance, legal, and business consulting; publications and conferences on practice management and business succession; access to employee benefits providers, human capital consultants and insurance providers; and marketing consulting and support. 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. Schwab may also provide us with other benefits such as occasional business entertainment of our  personnel. Depending on the situation, we may take advantage of any of the opportunities offered through Schwab. However, we do not rely exclusively on Schwab for all of these services. For investment research, market data and some pricing information, we subscribe to Bloomberg Professional Services. Our selection of investment products is expanded through other broker-dealers. The services made available by Schwab benefit us because we do not have to produce or purchase them. We may have an incentive to recommend that you maintain your account with Schwab based on our interest in receiving Schwab's services that benefit our business rather than based on your interest in receiving the best value in custody services and the most favorable execution of your transactions. This is a potential conflict of interest. Our use is primarily supported by the scope, quality and price of Schwab's services and not Schwab's services that benefit only us. Selection of Brokers for Trade Execution: We have a fiduciary duty to our clients to achieve best execution in placing trades with broker-dealers. In deciding what constitutes best execution, the determinative factor is not the lowest possible commission cost, but whether the transaction represents the best qualitative execution. In making this determination, our policy is to consider the full range of the broker's services, including, without limitation, the value of research services provided, execution capabilities, market expertise, commission rates, financial responsibility, administrative resources, and responsiveness. We will utilize several different brokers to achieve best execution. Soft Dollar: We do not currently have any soft dollar arrangements with broker-dealers. Brokerage for Client Referrals: We do not select or recommend broker-dealers or third parties based upon receiving client referrals. Directed Brokerage: We do not routinely recommend, request, or require that clients direct us to execute transactions through a specified broker-dealer. Trade Order Aggregation: We may aggregate the orders of two or more clients into a single order if we determine that the order is (i) in the best interest of each  participating client, (ii) consistent with our duty to obtain best execution, and (iii) consistent with the terms of our agreement with each participating client. Any investment by a client shall not be dependent upon the willingness or ability of another client to participate in the transaction, and separate documentation relating to the transaction shall be generated and maintained for each client participating in the single transaction. The price of the securities purchased or sold in an aggregated transaction shall be the average price for all our clients in that transaction and all broker transaction costs will be shared on a pro rata basis. Cross Trades: As is consistent with its duty to seek best execution, Redstone may cross trades for client accounts in limited circumstances. A cross trade occurs when Redstone purchases and sells a particular security between two or more accounts under management by instructing brokers to cross the trade. We will allow cross trades when a client directs us to liquidate either part or all of its portfolio, we believe the trade is in the best interests of each participant, and the cross trade is permitted by the clients involved and applicable law. Clients may revoke any prospective consent to cross trades at any time with advance written notice. Cross trades present an inherent conflict of interest because Redstone represents the interests of both the selling party and the buying party in the same transaction. As a result, clients for whom we execute cross trades bear the risk that one or more clients in the cross trade may be treated more favorably by us than another party. Additionally, there is a risk that the price of a security or other instrument bought or sold through a cross trade may not be as favorable as it might have been had the trade been executed in the open market or that a client receives a security that is difficult to dispose of in a market transaction. Redstone will seek to ensure that the terms of the transactions, including the consideration to be paid or received, are fair and reasonable and effected at the independent “current market price”, and the transactions are in the best interests of the clients involved. For regulatory or other reasons we may choose not to execute cross trades for one or more clients, which could disadvantage those clients as compared to clients for whom we perform cross trades. In no instance does Redstone receive additional compensation when crossing trades for client accounts. Item 13 – Review of Accounts All investment accounts will be monitored daily with more in-depth reviews as  economic or market conditions would dictate. Additional reviews are performed by the principals of our firm to ensure that each client's objectives are being properly met. The principals of our firm include our Managing Directors, Chief Investment Officer, Senior Portfolio Manager, and Portfolio Managers. Reviews consider any material changes regarding the assets held in any particular account, any credit considerations regarding those assets, or significant changes regarding the personal financial circumstance of a client. Written reports are furnished to our clients on a quarterly basis. These reports generally include a statement of assets, an evaluation of current and expected economic and market conditions, and a performance summary, where appropriate. This report frequency and the information included can be altered to meet each client's specific needs or desires. We attempt to meet personally with clients on a schedule agreed upon with the client. Item 14 – Client Referrals and Other Compensation We may receive client referrals from brokers, financial consultants, and other persons or entities, pursuant to written referral agreements which comply with the requirements set forth in Rule 204 (4) – 3 under the Investment Advisers Act, and which require that those persons provide the potential client with a copy of our disclosure documents and disclose the existence and terms of the referral agreement. They may be compensated for their services from a portion of the advisory fee paid by the client to us. Schwab Advisor Network (“SAN”): Prior to June 2021, we received client referrals from Charles Schwab & Co., Inc. ("Schwab") through our participation in the SAN Service. The SAN Service is designed to help investors find an independent investment advisor. Schwab is a broker-dealer independent of, and unaffiliated with, Redstone. Although our participation in the SAN Service ended in May 2021, we will continue to honor our contractual obligations to Schwab. The obligations include payments of Participation Fees and Non-Schwab Custody fees to Schwab with respect to referred clients’ accounts. All such fees are paid by us and not the Schwab-referred client. We do not recommend or select other investment advisers for our clients.  Item 15 – Custody We do not have actual or constructive custody of your assets. However, under government regulations, we are deemed to have custody of your assets if, for example, you authorize us to instruct your Custodian to deduct our advisory fees directly from your account. Your Custodian maintains actual custody of your assets. We previously disclosed in the "Fees and Compensation" section (Item 5) of this Brochure that our firm directly debits advisory fees from client accounts. As part of this billing process, the client's custodian is advised of the amount of the fee to be deducted from that client's account. You will receive account statements directly from your Custodian at least quarterly. They will be sent either to your email or postal mailing address of record. You should carefully review those statements promptly when you receive them. Because the custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of the calculation, among other things. Clients should contact us directly if they believe that there may be an error in their statement. 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 and holdings are correct and current. Item 16 – Investment Discretion Our firm accepts discretionary authority to manage securities accounts on behalf of clients. For those accounts which we have full discretion for investment management services, a contract is executed detailing the investment authority, investment vehicles to be utilized, account objectives, and any limitations on the types and amounts of securities to be bought and sold. On occasion, our firm will accept assets for management on a non-discretionary basis. For these accounts, we will execute trades as directed by the client.  Item 17 – Voting Client Securities We have adopted Proxy Voting Policies and Procedures for voting proxies received for accounts managed by us in instances where (1) the underlying advisory agreement provides that we should be responsible to vote proxies, (2) the underlying advisory agreement is silent on the subject and we have discretionary authority over investment decisions for the client's account, and (3) in the case of an employee benefit plan, the client has not reserved the power to vote proxies in either the underlying advisory agreement or in the client's plan documents. In the absence of specific voting guidelines from a client, we will vote proxies in a manner that we believe is in the best interest of the client, considering factors that relate to the client's investment or are dictated by the client, including how a vote will economically impact and affect the value of the client's investment. On items where no corporate governance issues are implicated or a conflict of interest exists where no specific policy applies, we will generally vote for the election of directors, selection of independent auditors, increases in or reclassification of common stock, recommendations adding or amending indemnification provisions in the charter or bylaws, changes in the board of directors, outside director compensation, proposals that maintain or strengthen the shared interests of shareholders and management, proposals that increase shareholder value, proposals that will maintain or increase shareholder influence over the issuer's board of directors and management, and proposals that maintain or increase the rights of shareholders. On non-routine and conflict of interest items, we will generally vote for management proposals for merger or reorganization if the transaction appears to offer fair value, against shareholder resolutions that consider non-financial impacts of mergers and against anti-greenmail provisions. If a proxy includes routine items that implicate corporate governance changes, non-routine items where no specific policy applies or a conflict of interest item, or no specific policy applies, we may engage an independent third party to determine how the proxy should be voted. In voting on each issue, we will vote in a prudent and timely fashion and only after a careful evaluation of the issue or issues presented on the ballot. In exercising this voting discretion, we will avoid any direct or indirect conflict of interest raised by such voting decision. If any substantive aspect or  foreseeable result of the subject matter to be voted upon raises an actual or potential conflict of interest to us or any of our affiliates, we will provide adequate disclosure to the client. The conflict notice will either request the client's consent to our vote recommendation, or may request the client to vote the proxy directly or through another designee of the client. If the client is unreachable or has not affirmatively responded before the response deadline for the matter to be voted upon, we may either engage a non-interested party to independently review our vote recommendation to confirm that its vote recommendation is in the best interest of the client under the circumstances, cast its vote as recommended if the vote recommendations fall against our interest and such vote recommendation is in the best interest of the client under the circumstances, or abstain from voting if such action is determined by our firm to be in the best interest of the client under the circumstances. In accordance with SEC Rule 204-2(c)(2), we will maintain clients' files or otherwise have available, copies of all proxy statements received, records of votes cast, records memorializing the basis for each vote cast, copies of documents created by our firm or employees of our firm that were material in making a decision on how to vote a proxy, and a copy of each conflict notice and related communications. Clients may obtain a copy of our proxy voting policies and procedures upon request. Item 18 – Financial Information We do not collect management fees, of any amount, six months or more in advance. We do not have a financial condition that is reasonably likely to impact our ability to meet contractual commitments to our clients. We have never been the subject of a bankruptcy petition. Part 2A of Form ADV: Firm Brochure