REVIEW SERVICES INC

Item 1 - Cover Page FORM ADV – PART 2A INFORMATION May 6, 2025 REVIEW SERVICES, INC. 13255 West Bluemound Road, Suite 205 Brookfield, WI 53005 Phone (262) 784-9690 Fax (262) 784-3751 Website: www.reviewservicesinc.com This Brochure provides information about the qualifications and business practices of Review Services, Inc. (“RSI”). If you have any questions about the contents of this Brochure, please contact us at (262) 784-9690. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Review Services, Inc. is a registered investment adviser. Registration of an investment adviser does not imply any level of skill or training. Additional information about RSI (CRD No. 110277), including a copy of its Form ADV Part 1, is available on the SEC's website at www.adviserinfo.sec.gov. 1  Item 2 – Summary of Material Changes There have been no material changes since the May 15, 2024, Form ADV filed on the IARD system. 2  Item 3 Table of Contents Item Page 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Summary of Material Changes ......................................................................... 2 Table of Contents ............................................................................................. 3 Advisory Business ............................................................................................ 4 Fees and Compensation .................................................................................... 5 Performance Based Fees and Side-by-Side Management ................................ 7 Types of Clients ................................................................................................ 7 Methods of Analysis, Investment Strategies and Risk of Loss ........................ 7 Disciplinary Information .................................................................................. 8 Other Financial Industry Activities and Affiliations ........................................ 8 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............................................................................................................. 8 Brokerage Practices .......................................................................................... 8 Review of Accounts ......................................................................................... 10 Client Referrals and Other Compensation ........................................................ 10 Custody ............................................................................................................. 10 Investment Discretion ....................................................................................... 11 Voting Client Securities ................................................................................... 11 Financial Information ....................................................................................... 11 Privacy Policy ................................................................................................... 11 Schedules 2B Brochure Supplements: Tim A. Konicke, CFP® .................................................................................... 13 Patricia A. Kiefer, CFP® .................................................................................. 16 3  Item 4 - Advisory Business Review Services, Inc. (“RSI”) is an investment adviser registered with the U. S. Securities and Exchange Commission (“SEC”). RSI has been providing investment advisory services since 1991 and does not engage in any other business. RSI provides both consulting and asset management services to a wide variety of clients. RSI is owned by Tim Konicke and Patricia Kiefer and does not control any other firm. The advisory services of RSI are described in detail below. RSI is a fiduciary and is required to act in a client’s best interest at all times. Consulting Services RSI provides Consulting Services which include, but are not limited to, estate planning, financial and retirement planning, insurance, taxes, investment strategies, and analysis of a client's financial assets with recommendations for the selection and positioning of assets. The nature and scope of services are decided at contract signing. As services are provided, consideration is given to each client's risk tolerance, income needs and short and long term financial objectives and restrictions. Consulting Services result in a report being provided to a client which may be in writing if requested by the client. While services are being provided, clients are free to meet with their RSI adviser at any time. After Consultation Services are provided, Clients decide which investment recommendations to accept and implement. Clients are also free to select any brokerage, insurance or other product provider to purchase (or sell) the investments, insurance, or other products discussed with RSI. RSI does not guarantee results, and losses can occur from receiving Consulting Services. Changes in client's financial condition, personal circumstances, goals, or general economic conditions may trigger changes to the advice provided by RSI. To the extent that material changes have occurred to a client's circumstances or goals, or to the extent a client requests RSI address a new project, the client will be asked to sign a new Services Agreement. All Consulting Services advice is based on information provided by the client. It is the client's responsibility to be certain that RSI has current and accurate information. Asset Management Services RSI also offers Asset Management Service on a non-discretionary basis. This service begins with a RSI representative assisting each new client in defining the client's investment objectives. RSI then manages the client's assets in a manner consistent with those objectives. Asset Management Services usually include ongoing supervision of investment assets such as mutual funds, stocks, bonds, exchange-traded funds, warrants, municipal securities, government bonds, and cash and cash equivalents. Clients receive a written report of securities in their managed portfolio each quarter. The initial investment and asset allocation recommendations are based on the financial information gathered from each client including net worth, risk tolerance, financial goals and objectives, investment restrictions requested by the client and overall financial conditions. Based on this information, each client is provided with initial investment recommendations designed to provide an appropriate asset mix consistent with the client’s objectives and restrictions. The client’s portfolio and its performance are monitored by the client’s RSI Representative in light of the client’s stated objectives and restrictions. The frequency of these reviews and transactions made for a client’s account are determined by the RSI Representative. RSI Representatives typically meet with the client on an as-needed or as-requested basis to discuss the portfolio and other aspects of the service. Clients are free to contact and/or meet with their RSI Representative at any time if they have questions about their accounts. 4  As a general rule, RSI believes that investing is best suited to those who believe in a long-term buy-and- hold policy. Therefore, clients should not expect frequent investment changes in the portfolio. However, as a result of monitoring the account, investment purchases and sales will be made. RSI is authorized to manage the cash balances by transacting in a money market fund, if necessary. Investments are not held by RSI. Instead, all investments managed by RSI are usually held at the brokerage firm ("Custodian") through which transactions are placed. RSI does not assure or guarantee the results of its Asset Management Services; thus, losses can occur from following RSI’s advice pertaining to any investment or investment approach, including using conservative investment strategies. All advisory services are tailored specifically to the individual needs of the clients as described within each service above. Clients may impose restrictions on investment in certain securities or types of securities. RSI shall never have physical custody of any client funds or securities, as the services of a qualified and independent custodian will be utilized for these asset management services. RSI does not offer or participate in a wrap fee program. As of March 31, 2025, RSI had assets under non-discretionary management of $189,210,196. Item 5 - Fees and Compensation Fees paid to RSI are for RSI advisory services only. The fees do not include, for example, the fees charged by third parties such as third-party managers, or accountants and attorneys assisting with providing the client with accounting and legal advice. Commissions on transactions and other account fees will also be charged by brokerage firms in accordance with the account’s brokerage firm’s normal commission schedule. See Item 12, Brokerage Practices. Customary commissions on insurance are also not included. Prospective clients should be aware that in addition to RSI's advisory fees, each mutual fund in which a client's assets are invested also pays its own advisory fees and other internal expenses which already have been deducted from the fund's reported performance. Depending on the fund, a client may be able to invest directly in the shares issued by the fund with or without incurring any sales or third-party management fees. Account maintenance fees are also deducted by the custodian. In addition, there are tax effects pertaining to fund share redemptions, and other sales, made by RSI on behalf of clients. Redemptions and sales are taxable events which may accelerate the recognition of capital gains, and losses, and frequent redemptions and sales may result in short-term, rather than long- term, capital gains and losses. Clients should also be aware of the fact that different clients are charged different negotiated fees, thus some clients pay more or less than others for similar services. Family members and employees of those who work for RSI receive substantial fee discounts due to the family relationship. Client fees for specific services may be charged in advance as described below. 5  Consulting Services Fee RSI charges a flat fee for Consulting Services which varies from client to client. Fees are quoted in advance and based upon the complexity of advisory services requested, number of anticipated meetings and written reports, number of staff persons needed to complete a project and other factors. Prior to engagement, each client signs an agreement with RSI which sets forth the total fee for services. A negotiated down payment is due upon signing the Consulting Agreement with the balance due after services are provided. RSI may also charge an hourly rate which will vary from $100 to $300 per hour. A negotiated down payment based upon the estimated number of hours per project is determined in advance of services being provided. After an initial analysis of the client's financial situation and needs is performed and an initial plan provided to a client, RSI makes available continuing asset management services, on an asset-based fee basis, designed to continue the advisory relationship to implement and monitor advice initially provided. The agreement between RSI and a client for Consulting Services may be terminated by either party at any time by written notice to the other. Any fee due, but not yet paid by a client, is due promptly after termination of the agreement and is based upon the hourly rate used for the estimate. The decision to accept any recommendation or advice provided from consultations and all decisions regarding implementation thereof are left to the client. Clients are free to implement recommended transactions through broker-dealers and other service providers other than those recommended by RSI. RSI does not guarantee the results of its recommendations and losses can occur from the recommended investments. Asset Management Services Fee The annual fee for nondiscretionary Asset Management Services is calculated as a percentage of assets under management. Fees may vary from client to client and are negotiable in isolated circumstances. The firm's range of fees follows: Value of Assets Under Management First $1,000,000 Next $1,000,000 Over $2,000,000 Annual Fee Percentages 1.00 % 0.75 % 0.50 % Fees shall be paid quarterly in arrears based on the asset value of the Account as of the last business day of each calendar quarter equal to one-fourth of the annual rates specified in Schedule A attached hereto and made a part hereof. For purposes of the calculation of the fee, the value of the Account shall be determined as of the last business day of each quarter. RSI may amend the fees shown on Schedule A in its sole discretion, provided that no such amendment shall be effective unless and until RSI provides at least thirty (30) days prior written notice of such amendment to Client. There is a minimum fee of $1,000 per quarter or $4,000 annually. RSI may negotiate or waive its fee or minimum at its discretion. If this Agreement is terminated by either RSI or Client, Client agrees to pay RSI fees due but not yet paid RSI, prorated to date of termination. 6  In addition, there may be an annual financial planning fee of $500 to cover financial planning reviews, tax planning meetings and other financial issues that arise throughout the year. RSI's Asset Management fee does not include transaction execution costs, custodial fees or other costs. Although RSI believes its management fee is competitive, clients may be able to find similar services at higher or lower costs. Also, there can be no assurance that transactions effected through RSI representatives result in the lowest per transaction cost possible to a client. Fees payable to RSI for Asset Management Services are, with the client’s prior permission, automatically deducted from the client's account when due. The client will receive an invoice from RSI, as well as reports from the account's custodian, showing the fee calculation and fee amounts debited. RSI will liquidate money market shares to pay the fee and, if money market shares or cash value are not available, other investments will be liquidated. Authorization for the deduction of fees from the managed account is contained in the Services Agreement. The client may terminate the authorization for automatic deduction at any time by notifying RSI in writing. In the event of trading errors caused by RSI employees, it is RSI’s policy to make its clients whole and to document errors in its trade error file. Any RSI created trade errors that result in a loss to a client will be debited against RSI’s error account and the client made whole. Any RSI created trade errors that result in a gain to a client, and the gain can be attributed to a client, the client is entitled to keep the gain. If RSI makes a trade error that results in a gain to a client and the gain cannot be attributable to a particular client, Schwab, and not RSI, keeps the gain. In that case, if the gain is more than $100, Schwab will donate the gain to charity. If the gain is less than $100, Schwab will keep the gain to offset its administrative time and expense. Item 6 - Performance Based Fees and Side-by-Side Management RSI does not charge any performance-based fees. All fees are disclosed above. Item 7 - Types of Clients/Minimum Account Size RSI makes its' advisory services available to a wide variety of clients including. but not limited to, individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations and other business entities. RSI usually does not require a minimum account size before accepting accounts for its various management services. However, it does require a negotiated down payment prior to beginning Consulting Services. Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss RSI's security analysis methods include, but are not limited to, fundamental analysis (evaluating securities based upon its historical and projected financial performance); and technical analysis (examining technical moves in the price of an issue based upon peer securities or comparisons to an investment sector or index). All securities analysis methods and strategies, even those used by RSI may involve a high degree of risk and losses can occur. RSI's main sources of information include, but are not limited to, financial newspapers and magazines, research materials prepared by others, corporate rating services, timing services, annual reports, prospectuses, public filings and company press releases. 7  RSI does not guarantee the results of the advice given. Thus, significant losses can occur by investing in any security, or by following any strategy, including those recommended or applied by RSI. RSI may recommend traditional exchange-traded funds ("ETF"). ETF shares are bought and sold at market price unlike mutual funds. ETFs are subject to risks similar to those of stocks. Item 9 - Disciplinary Information RSI does not have any disciplinary information to report regarding itself or any of its counselors or other related persons. Item 10 - Other Financial Industry Activities and Affiliations RSI is not involved in any other financial industry activities nor does it have any financial industry affiliations that are material to its advisory business. Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading RSI and its employees may buy and sell securities that they recommend to advisory clients for purchase and sale. To the extent possible, the firm and its employees will process securities transactions for client accounts ahead of similar transactions contemplated for their own accounts. To ensure employee transactions are supervised, RSI has established a Code of Ethics designed to prevent conflicts of interest. Under the requirements of the Code, each RSI employee is required to file personal transaction reports regularly for transactions in accounts in which they have a beneficial interest. In addition, certain types of transactions for employee personal accounts require preapproval and certain types of transactions are prohibited. A complete copy of RSI’s Code of Ethics is available upon request. Item 12 - Brokerage Practices RSI does not maintain physical custody of client assets that it manages, although RSI may be deemed to have custody of client assets if clients give RSI authority to withdraw assets from client accounts. Client assets must be maintained in an account at a “qualified custodian”, generally a broker-dealer. RSI recommends that clients use Charles Schwab & Co., Inc. (Schwab), a registered broker-dealer, member SIPC, as the qualified custodian. RSI is independently owned and operated and is not affiliated with any third-party broker-dealers. Client’s broker-dealer will hold client assets in an account and buy and sell securities when RSI or client instructs them to do so. While RSI may require that clients use Schwab as their custodian, clients will decide whether to do so and will open their account with Schwab by entering into an account agreement directly with Schwab. RSI does not open the account for the client, although RSI may assist the client in doing so. How Adviser Recommends Brokers/Custodians RSI seeks to recommend a custodian/broker who will hold client assets and execute transactions on terms that are, overall, most advantageous when compared to other available providers and their services. RSI considers a wide range of factors, including, among others: • Combination of transaction execution services and asset custody services • Capability to execute, clear, and settle trades (buy and sell securities for client accounts) 8  • Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, etc.) • Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds, etc.) • Availability of investment research and tools that assist in making investment decisions • Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices • Quality of services and prior experience with other clients • Reputation, financial strength, and stability • Availability of other products and services that benefit RSI, as discussed below Client Brokerage and Custody Costs For client accounts that Schwab maintains, Schwab generally does not charge clients separately for custody services but is compensated by charging commissions or fees on trades that it executes or that settle into client Schwab accounts. In addition to transaction-related fees, Schwab charges clients a flat dollar amount as a “prime broker” or “trade away” fee for each trade that RSI has executed by a different broker-dealer but where the securities bought or the funds from the securities sold are deposited (settled) into client Schwab accounts. These fees are in addition to the transaction-related fees or other compensation clients pay the executing broker-dealer. Because of this, in order to minimize client trading costs, RSI has Schwab execute most trades in client accounts. RSI has determined that having Schwab execute most trades is consistent with RSI’s duty to seek “best execution” of client trades. Best execution means the most favorable terms for a transaction based on all relevant factors. Products and Services Available From Schwab Schwab Advisor ServicesTM is Schwab’s business serving independent investment advisory firms like RSI. Schwab provides RSI and its 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 to RSI that may help RSI manage or administer its client accounts. Schwab’s support services generally are available on an unsolicited basis (RSI does not have to request them) and at no charge to RSI. The availability of these services from Schwab benefits RSI because RSI does not have to produce or purchase them. It also is a benefit to RSI because it is operationally more efficient for RSI to have clients at one custodian. Schwab also offers other services to RSI intended to help manage and further develop its business enterprise. These services generally only benefit RSI and include: • Educational conferences and events • Consulting on technology and business needs • Consulting on legal and related compliance needs • Publications and conferences on practice management and business succession • Access to employee benefits providers, human capital consultants, and insurance providers • Marketing consulting and support Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to RSI. Schwab also discounts or waives its fees for some of these services or pays all or a part of a third party’s fees. Schwab also provides RSI with other benefits, such as occasional business entertainment of our personnel. If clients did not maintain their accounts with Schwab, RSI would be required to pay for these services from its own resources. This is a conflict of interest. RSI believes, 9  however, that taken in the aggregate, its recommendation of Schwab as custodian and broker is in the best interest of clients. When placing orders for more than one client account, RSI may decide to aggregate similar purchase or sale orders in the same security for several accounts resulting in an average price being applied to each client account participating in the aggregate order. RSI does not exercise discretionary authority when placing orders for customer accounts, except as discussed above regarding cash balances, if necessary. In the event of trading errors caused by RSI employees, it is RSI’s policy to make its clients whole and to document errors in its trade error file. Any RSI created trade errors that result in a loss to a client will be debited against RSI’s error account and the client made whole. Any RSI created trade errors that result in a gain to a client, and the gain can be attributed to a client, the client is entitled to keep the gain. If RSI makes a trade error that results in a gain to a client and the gain cannot be attributable to a particular client, Schwab, and not RSI, keeps the gain. In that case, if the gain is more than $100, Schwab will donate the gain to charity. If the gain is less than $100, Schwab will keep the gain to offset its administrative time and expense. Item 13 - Review of Accounts and Reports Managed accounts are reviewed on a day-to-day basis as deemed necessary by the client's account manager. Managers supervise and manage approximately 150 accounts each. Quarterly managed account reports prepared by RSI are not reviewed by any third party but are reviewed for accuracy by the firm's account consultants, using RSI's records, transaction reports and custodian reports as a basis for review. Clients receiving Management Services receive a quarterly report from RSI identifying the securities in their portfolio and the value of those securities. The firm's consultants and managers will review any aspect of a client's account when asked to do so. Client's receiving Consulting Services usually receive advice verbally, but the firm will prepare a written report if asked to do so. There are no restrictions on the ability of clients to contact and consult with the firm's managers and counselors any time they wish regarding the content of any RSI report or any aspect of their account. Item 14 - Client Referrals and Other Compensation RSI does not currently have any client referral relationships. Thus, it does not pay any fee to a third party for making client referrals to it. Also, as indicated above, the firm does not direct brokerage transactions to any third party, including Schwab, in return for client referrals. See Item 12 Brokerage Practices for a discussion of economic benefits received from Schwab. Item 15 - Custody RSI does not take physical custody of client funds or securities. These safekeeping services are typically provided to managed accounts only by the brokerage firm processing the securities transactions ordered by RSI. To the extent a client receives any account or other investment ownership statement from RSI, RSI recommends the client carefully compare the information in the report to the information in the custodian’s statements. Clients may have standing letters of authorization on their accounts. RSI has 10  reviewed those relationships and determined that they meet the IAA no action letter seven conditions and do not trigger the surprise custody audit. RSI does have access to some client passwords to enter trades on their behalf, which triggers a surprise audit by an independent CPA. Item 16 - Investment Discretion RSI does not exercise discretionary authority when placing orders for customer accounts, except as discussed above regarding cash balances, if necessary. Item 17 - Voting Client Securities RSI and its Representatives do not vote proxies on behalf of clients who will receive such notices from their account’s custodian. RSI also does not take any action on legal notices it or a client may receive from issuers of securities held in a client’s managed account. However, it is available to answer questions regarding such notices. Item 18 - Financial Information RSI does not receive fees of more than $1,200 six months or more in advance. As an advisory firm that is deemed to have custody, we are also required to disclose any financial condition that is reasonably likely to impair our ability to meet our contractual obligations. RSI has no additional financial circumstances to report. NOTICE REGARDING TREATMENT OF CONFIDENTIAL INFORMATION Privacy Notice to Our Clients. Review Services, Inc. strongly believes in protecting the confidentiality and security of information we collect about you. This notice describes our privacy policy and describes how we treat the information we receive about you. Why We Collect And How We Use Information. When we evaluate your request for our services, provide investment advice to you and process transactions for your account, you typically provide us with certain personal information necessary for these transactions. We may also use that information to offer you other services we provide which may meet your investment needs. What Information We Collect. The personal information we collect may include: • Name and address • Social Security or taxpayer identification number • Assets • Income • Account balance • Investment activity • Accounts at other institutions How We Protect Information. We do not sell your personal information to anyone. We treat information about current and former clients and their accounts in a confidential manner. Our 11  employees may access information and provide it to third parties only when completing a transaction at your request or providing our other services to you. At your request, we may disclose information to attorneys, accountants, lawyers, securities professionals and others to assist us, or them, in providing services to you. We may also share information with companies that perform services on our behalf, such as the companies that we hire to perform marketing or administrative services. Companies we may hire to provide support services are not allowed to use your personal information for their own purposes. We may make additional disclosures as permitted by law. We also maintain physical, electronic, and procedural safeguards to protect information. Employees and our professional service representatives are required to comply with our established information confidentiality provisions. Access to And Correction of Information. Generally, upon your written request, we will make available information for your review. Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. If your personal information with us becomes inaccurate, or if you need to make a change to that information, please contact us at the number shown below so we can update our records. Further Information. For additional information regarding our privacy policy, please contact us by writing to us at 13255 W. Bluemound Rd., Suite 205, Brookfield, WI 53005, or calling (262) 784-9690. 12  Item 1 - Cover Page SCHEDULE 2B - BROCHURE SUPPLEMENT Tim Allen Konicke, CFP® May 6, 2025 REVIEW SERVICES, INC. 13255 West Bluemound Road, Suite 205 Brookfield, WI 53005 Phone (262) 784-9690 Fax (262) 784-3751 Website: www.reviewservicesinc.com This Brochure Supplement provides information about Tim A. Konicke that supplements the Review Services, Inc. (“RSI”) brochure. You should have received a copy of that brochure. Please contact Tim Konicke if you did not receive RSI's brochure or if you have any questions about the contents of this supplement. Additional information about Tim A. Konicke (CRD No. 1491417) is available on the SEC's website at www.adviserinfo.sec.gov. 13  Item 2 - Educational Background and Business Experience Mr. Konicke was born in 1955. Tim has been providing comprehensive financial planning and investment advice to individuals for over 25 years. Areas of focus are retirement planning, estate planning, education planning, risk management and investment planning. In July 1989, Tim earned his CERTIFIED FINANCIAL PLANNER® (CFP®) designation from the International Board of Standards and Practices for Certified Financial Planners. He has passed the NASAA Series 63 Uniform Securities Agent State Law Exam. The CFP® certification is granted by Certified Financial Planners Board of Standards, Inc. The certification is voluntary; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education - Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services. CFP Board's financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination - Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one's ability to correctly diagnose financial planning issues and apply one's knowledge of financial planning to real world circumstances; • Experience - Complete at least three years of full-time financial planning-related experience (or equivalent, measured as 2,000 hours per year); and • Ethics - Agree to be bound by CFP Board's Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individual who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education - Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics - Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interest of their clients. 14  CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board's enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 - Disciplinary Information Mr. Konicke does not have any disciplinary information to disclose. He has not: (a) been party to a criminal or civil action in a domestic, foreign or military court, (b) been party to an administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency or any foreign financial regulatory authority; or (c) been party to a self-regulatory proceeding. Item 4 - Other Business Activities Mr. Konicke is not actively engaged in any other business activities. Item 5 - Additional Compensation Mr. Konicke does not receive any additional economic benefit from third parties for providing advisory services other than as noted above. Item 6 - Supervision Mr. Konicke is the Chief Compliance Officer for RSI and is responsible for his own supervision as well as that of all RSI Representatives. His contact information is available on the cover page of this Schedule 2B supplemental brochure. 15  Item 1 - Cover Page SCHEDULE 2B - BROCHURE SUPPLEMENT Patricia A. Kiefer, CFP® May 6, 2025 REVIEW SERVICES, INC. 13255 West Bluemound Road, Suite 205 Brookfield, WI 53005 Phone (262) 784-9690 Fax (262) 784-3751 Website: www.reviewservicesinc.com This Brochure Supplement provides information about Patricia A. Kiefer that supplements the Review Services, Inc. (“RSI”) brochure. You should have received a copy of that brochure. Please contact Tim Konicke if you did not receive RSI's brochure or if you have any questions about the contents of this supplement. Additional information about Patricia A. Kiefer (CRD NO. 1382962) is available on the SEC's website at www.adviserinfo.sec.gov. 16  Item 2 - Educational Background and Business Experience Ms. Kiefer was born in 1951. Ms. Kiefer earned her Associate degree in business management from Alverno College in 1985. She has been providing comprehensive financial planning and investment advice to individuals for over 25 years. Areas of focus are retirement planning, estate planning, education planning, risk management and investment planning. In July 1989, Patricia earned her CERTIFIED FINANCIAL PLANNER® (CFP®) designation from the International Board of Standards and Practices for Certified Financial Planners. She has passed the NASAA Series 63 Uniform Securities Agent State Law Exam. The CFP® certification is granted by Certified Financial Planners Board of Standards, Inc. The certification is voluntary; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education - Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board's studies have determined as necessary for the competent and professional delivery of financial planning services. CFP Board's financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination - Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one's ability to correctly diagnose financial planning issues and apply one's knowledge of financial planning to real world circumstances; • Experience - Complete at least three years of full-time financial planning-related experience (or equivalent, measured as 2,000 hours per year); and • Ethics - Agree to be bound by CFP Board's Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individual who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education - Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics - Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interest of their clients. 17  CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board's enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 - Disciplinary Information Ms. Kiefer does not have any disciplinary information to disclose. She has not: (a) been party to a criminal or civil action in a domestic, foreign or military court, (b) been party to an administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency or any foreign financial regulatory authority; or (c) been party to a self-regulatory proceeding. Item 4 - Other Business Activities Ms. Kiefer is not actively engaged in any other business activities. Item 5 - Additional Compensation Ms. Kiefer does not receive any additional economic benefit from third parties for providing advisory services other than as noted above. Item 6 - Supervision Ms. Kiefer is supervised by Tim Konicke, RSI's Chief Compliance Officer. His contact information can be found on the cover page of this Schedule 2B supplemental brochure. Mr. Konicke and other individuals as he designates, regularly review the accounts for which Ms. Kiefer provides investment advisory services to monitor suitability of recommendations and compliance with regulatory and internal procedures. 18