SAXON INTERESTS, INC.

Saxon Interests, Inc. dba Saxon Financial Group Form ADV Part 2A – Disclosure Brochure Effective: September 30, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Saxon Interests, Inc. dba Saxon Financial Group (“Saxon Financial Group” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (713) 425-5340 or by email at jaclyn@saxonfinancialgroup.com. Saxon Financial Group is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Saxon Financial Group to assist you in determining whether to retain the Advisor. Additional information about Saxon Financial Group and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311687. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Saxon Financial Group. For convenience, the Advisor has combined these documents into a single disclosure document. Saxon Financial Group believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Saxon Financial Group encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on January 29, 2025: • The Advisor has amended its fixed fee rate for financial planning services. Please see Item 5 for additional details. • The Advisor has added Estate Planning Document Generation as an optional add-on service for Financial Planning. Please see Item 4 and 5 for additional details. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311687. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (713) 425-5340 or by email at jaclyn@saxonfinancialgroup.com. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered .............................................................................................................................................. 4 C. Client Account Management .......................................................................................................................................... 6 D. Wrap Fee Programs ....................................................................................................................................................... 7 E. Assets Under Management ............................................................................................................................................ 7 Item 5 – Fees and Compensation ......................................................................................................................... 7 A. Fees for Advisory Services ............................................................................................................................................. 7 B. Fee Billing ....................................................................................................................................................................... 8 C. Other Fees and Expenses ............................................................................................................................................. 8 D. Advance Payment of Fees and Termination .................................................................................................................. 9 E. Compensation for Sales of Securities ............................................................................................................................ 9 Item 6 – Performance-Based Fees and Side-By-Side Management ................................................................ 10 Item 7 – Types of Clients ..................................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 10 Methods of Analysis .......................................................................................................................................................... 10 B. Risk of Loss .................................................................................................................................................................. 10 Item 9 – Disciplinary Information ....................................................................................................................... 12 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 12 A. Code of Ethics .............................................................................................................................................................. 12 B. Personal Trading with Material Interest ........................................................................................................................ 12 C. Personal Trading in Same Securities as Clients .......................................................................................................... 12 D. Personal Trading at Same Time as Client ................................................................................................................... 13 Item 12 – Brokerage Practices ............................................................................................................................ 13 A. Recommendation of Custodian[s] ................................................................................................................................ 13 B. Aggregating and Allocating Trades .............................................................................................................................. 14 Item 13 – Review of Accounts ............................................................................................................................ 14 A. Frequency of Reviews .................................................................................................................................................. 14 B. Causes for Reviews ..................................................................................................................................................... 14 C. Review Reports ............................................................................................................................................................ 14 Item 14 – Client Referrals and Other Compensation ........................................................................................ 15 A. Compensation Received by Saxon Financial Group .................................................................................................... 15 B. Client Referrals from Promoters ................................................................................................................................... 15 Item 15 – Custody ................................................................................................................................................ 15 Item 16 – Investment Discretion ......................................................................................................................... 15 Item 17 – Voting Client Securities ...................................................................................................................... 16 Item 18 – Financial Information .......................................................................................................................... 16 Privacy Policy ...................................................................................................................................................... 17 Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 3  Item 4 – Advisory Services A. Firm Information Saxon Interests, Inc. dba Saxon Financial Group (“Saxon Financial Group” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Corporation under the laws of the State of Texas. Saxon Interests, Inc. was founded in October 1993 and became a registered investment advisor in February 2021. Saxon Financial Group is owned and operated by Richard Saxon (President). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Saxon Financial Group. For information regarding this Disclosure Brochure, please contact Jaclyn Gilbert (Chief Compliance Officer) at (713) 425-5340. Certain Advisory Persons may market and deliver investment advisory services under practice names (“doing business as” or “dba” names) including Saxon Financial Group, Love Financial Group and Erdil Financial Group. A full list of practice names can be found on the Advisor’s Form ADV1 Schedule D, which can be found on the SEC’s website at www.adviserinfo.sec.gov/Firm/311687. B. Advisory Services Offered Saxon Financial Group offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Saxon Financial Group's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Saxon Financial Group provides investment management services on a discretionary or non-discretionary basis. Saxon Financial Group works closely with each Client to identify their investment goals, objectives, and risk tolerance to create a portfolio strategy. Saxon Financial Group will primarily place Client assets into one of Saxon Financial Group’s models consisting of mutual funds, exchange-traded funds (“ETFs”), stocks, options, independent managers, fixed income, and/or alternative investments. Saxon Financial Group also believes that certain Clients may benefit from individual stock and fixed income portfolio management services and strategies. These strategies would assist Clients in meeting their market exposure, risk management, tax management and return objectives in a cost- effective manner using systematic strategies. Saxon Financial Group will collaborate with Clients to design and implement customized solutions to accommodate personal preferences including sector/industry constraints as well as establishment of additional investment guidelines as they deem necessary. Depending on the needs and objectives of the Client and/or certain Advisory Person preferences, Saxon Financial Group will construct an investment portfolio consisting of mutual funds, exchange-traded funds (“ETFs”), stocks, options, independent managers, fixed income, and/or alternative investments to achieve the Client’s investment goals. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Saxon Financial Group’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Saxon Financial Group will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 4  Saxon Financial Group evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Saxon Financial Group may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Saxon Financial Group may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Saxon Financial Group may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Saxon Financial Group accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning Services Saxon Financial Group provides a variety of financial planning and consulting services to Clients. Financial planning services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, legacy planning, insurance needs and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Estate Planning Document Generation – Clients may also engage Saxon Financial Group for estate planning document generation assistance. The Advisor will assist the client in generation documents such as wills, revocable trusts, authorization and Power of Attorney forms. Saxon Financial Group does not provide legal opinions and all documents should be reviewed with an attorney. Saxon Financial Group may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 5  act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Use of Independent Managers Saxon Financial Group may utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) to manage a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial portfolio recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). The Advisor will perform ongoing reviews of the Independent Manager to ensure the Client needs are met. Retirement Plan Advisory Services Saxon Financial Group provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (“Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan. Each engagement is customized to the needs of the Plan and Plan Sponsor. Retirement plan advisory services generally include: • Vendor Analysis • Employee Enrollment anda Education Tracking Investment Policy Statement (“IPS”) Design and Monitoring • • Investment Oversight • Performance Reports • Ongoing Investment Recommendation and Assistance • ERISA 404(c) Assistance • Benchmarking Services These services are provided by Saxon Financial Group serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of the Advisor’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Saxon Financial Group to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Saxon Financial Group, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – Saxon Financial Group will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client. • Portfolio Construction – Saxon Financial Group will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Saxon Financial Group will provide investment management and ongoing oversight of the Client’s investment portfolio. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 6  D. Wrap Fee Programs Saxon Financial Group does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Saxon Financial Group. E. Assets Under Management As of December 31, 2024, Saxon Financial Group manages $616,477,568 in Client assets, $495,875,317 of which is managed on a discretionary basis and $120,602,251 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreement with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior quarter. Investment advisory fees are based on the following schedule: Assets Under Management ($) Up to $500,000 $500,001 to $1,000,000 $1,000,001 and over Annual Rate (%) 1.35% 1.25% 1.00% The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. Investment management fees are prorated for deposits and withdrawals of $100,000 or more throughout the quarter and are reflected in the next quarter’s fee. All securities held in accounts managed by Saxon Financial Group will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuations. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Financial Planning Services Saxon Financial Group offers financial planning services either on an hourly basis or a fixed engagement fee. The Advisor offers annual financial planning services at a fixed rate of up to $10,000. Fees for hourly Financial Planning typically range from $150 to $250 an hour. An estimate for total hours and/or total costs will be provided to the Client prior to engaging for these services. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. Estate Planning Document Generation – Saxon Financial Group offers estate planning document generation services as an additional service under financial planning for a one-time flat fee of either $1,700 per household or $1,000 per individual. Use of Independent Managers Saxon Financial Group may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. The Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 7  agreement between the Advisor and the Independent Manager. In certain instances, the Client will be separately charged an asset-based fee by the Independent Managers. Retirement Plan Advisory Services Retirement plan advisory fees are paid quarterly in advance, pursuant to the terms of the retirement plan advisory agreement. Fees are based on the market value of assets under management of the plan at the end of the prior quarter. Retirement plan advisory fees range from 0.20% to 1.20% annually based on complexity of services to be provided. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by 365 multiplied by the number days in the billing period) to the total assets under management with Saxon Financial Group at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by Saxon Financial Group to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Financial Planning Services Financial planning fees are paid in advance and invoiced annually by the Advisor. For hourly financial planning Clients, fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s]. Use of Independent Managers For Client account[s] implemented through Independent Managers, the Client’s overall fees will typically include Saxon Financial Group’s investment advisory fee (as noted above) plus the asset-based fees charged by the Independent Managers. However, in certain instances, the Independent Managers will assume responsibility for calculating the Independent Managers asset-based fee and separately deducting the fees from the Client’s account[s]. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Saxon Financial Group, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. The fees charged by Saxon Financial Group are separate and distinct from these custody and execution fees. In addition, all fees paid to Saxon Financial Group for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Saxon Financial Group, but would not receive the services provided by Saxon Financial Group which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 8  financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Saxon Financial Group to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Management Services Saxon Financial Group is compensated for its investment management services in advance of the quarter in which services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services Saxon Financial Group requires an advance payment as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for the percentage of the engagement scope completed by the Advisor. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Use of Independent Managers Saxon Financial Group will have the discretion to terminate the relationship with Independent Managers if determined that an Independent Manager is no longer in the Client’s best interest. The terms for termination are set forth in the respective agreements between the Advisor and Independent Managers. Retirement Plan Advisory Services Saxon Financial Group is compensated for its retirement plan advisory services in advance of the quarter in which services are rendered. Either party may request to terminate a retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client shall be responsible for retirement plan advisory fees up to and including the effective date of termination. Upon termination, the Advisor will refund any unearned, prepaid retirement plan advisory fees from the effective date of termination to the end of the quarter. The Client’s retirement plan advisory agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Saxon Financial Group does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Certain Advisory Persons are also licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person will earn commission-based compensation for selling insurance products, including insurance products sold to Clients. Insurance commissions earned by an Advisory Person are separate and in addition to advisory fees. This practice presents a conflict of interest as an Advisory Person, who is also an insurance agent, has an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 9  Item 6 – Performance-Based Fees and Side-By-Side Management Saxon Financial Group does not charge performance-based fees for its investment advisory services. The fees charged by Saxon Financial Group are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Saxon Financial Group does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Saxon Financial Group offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans. The amount of each type of Client is available on Saxon Financial Group’s Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Saxon Financial Group generally requires a minimum relationship size of $250,000, which may be reduced at the Advisor’s sole discretion. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Saxon Financial Group primarily employs fundamental and cyclical, analysis methods in developing investment strategies for its Clients. Research and analysis from Saxon Financial Group are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Cyclical analysis is similar to technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the particular company that Saxon Financial Group is recommending. The risks with cyclical analysis are similar to those of technical analysis. As noted above, Saxon Financial Group generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Saxon Financial Group will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Saxon Financial Group may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Saxon Financial Group will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 10  determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client’s investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client’s account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client’s account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid- ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 11  Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving Saxon Financial Group or its owner. Saxon Financial Group values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor or Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311687. Item 10 – Other Financial Industry Activities and Affiliations Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Saxon Financial Group. As an insurance professional, an Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. An Advisory Person is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Person or the Advisor. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Saxon Financial Group has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Saxon Financial Group (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Saxon Financial Group and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Saxon Financial Group’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (713) 425-5340 or via email at jaclyn@saxonfinancialgroup.com. B. Personal Trading with Material Interest Saxon Financial Group allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Saxon Financial Group does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund or advise an investment company. Saxon Financial Group does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Saxon Financial Group allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by conducting a coordinated review of personal accounts and the accounts of the Clients. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 12  D. Personal Trading at Same Time as Client While Saxon Financial Group allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterwards. At no time will Saxon Financial Group, or any Supervised Person of Saxon Financial Group, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Saxon Financial Group does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Saxon Financial Group to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Saxon Financial Group does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Saxon Financial Group does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Saxon Financial Group. Saxon Financial Group may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of the Custodian’s offices. Saxon Financial Group will generally recommend that Clients establish their account[s] at Raymond James & Associates, Inc. (“Raymond James”) or Fidelity Clearing & Custody Solutions and related entities of Fidelity Investments, Inc. (“Fidelity”) (collectively “Custodians”). Raymond James and Fidelity are both FINRA-registered broker-dealers and members SIPC. Raymond James or Fidelity will serve as the Client’s “qualified custodian”. Saxon Financial Group maintains an institutional relationship whereby the Advisor receives economic benefits from Raymond James or Fidelity. Please see Item 14 below. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Saxon Financial Group does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from the Custodians. Please see Item 14 below. Raymond James may provide various benefits to Advisory Persons to assist the Advisory Person with the cost associated with transitioning his or her business to the Raymond James platform (collectively referred to as “Transition Assistance”). The proceeds of such Transition Assistance payments are intended to be used for a variety of purposes, including but not necessarily limited to, offsetting account transfer fees (ACATs) payable to prior custodian as a result of the Advisory Person’s Clients transitioning to Raymond James’ custodial platform, technology set-up fees, marketing and mailing costs, stationary and licensure transfer fees, moving expenses, staffing support and termination fees associated with moving accounts. The amount of the Transition Assistance payments are often significant in relation to the overall revenue earned or compensation received by the Advisory Person at their prior firm. Such payments are generally based on the size of the Advisory Person’s business or assets under management on the Raymond James platform. The receipt of Transition Assistance by Advisory Persons creates conflicts of interest relating to Saxon Financial Group’s advisory business because it creates a financial incentive for Saxon Financial Group’s representatives to recommend that its Clients maintain their accounts with Raymond James. In certain instances, the receipt of such benefits is dependent on an Advisory Person maintaining its Clients’ assets with Raymond James and therefore Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 13  Saxon Financial Group has an incentive to recommend that Clients maintain their account with Raymond James in order to generate such benefits. 2. Brokerage Referrals - Saxon Financial Group does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Saxon Financial Group will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Saxon Financial Group will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Saxon Financial Group will execute its transactions through the Custodian as authorized by the Client. Saxon Financial Group will generally aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. The practice of block trades may result in delay of execution and/or differences in price. To prevent this, Saxon takes reasonable efforts to ensure Clients included in block trading receive the same average prices after the transactions are settled, ensuring transactions in similar securities is equitable for Clients. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of Saxon Financial Group and periodically reviewed by Jaclyn Gilbert, Chief Compliance Officer of Saxon Financial Group. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Saxon Financial Group if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 14  Item 14 – Client Referrals and Other Compensation A. Compensation Received by Saxon Financial Group Saxon Financial Group is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. Saxon Financial Group does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. Saxon Financial Group may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Saxon Financial Group may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform Saxon Financial Group has established an institutional relationship with Raymond James and Fidelity to assist the Advisor in managing Client account[s]. Access to the Raymond James or Fidelity platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Raymond James or Fidelity. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor has the following benefits from Raymond James and Fidelity: financing services, receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. B. Client Referrals from Promoters The Advisor does not compensate, either directly or indirectly, any affiliated or unaffiliated parties (“Promoters”) for Client referrals. Item 15 – Custody Saxon Financial Group does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Saxon Financial Group exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Saxon Financial Group to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Saxon Financial Group to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - For instances where Clients authorize Saxon Financial Group to move funds between their accounts, Saxon Financial Group and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Saxon Financial Group generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Saxon Financial Group. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Saxon Financial Group will Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 15  be in accordance with each Client's investment objectives and goals. For Clients whereby Saxon Financial does not have discretion over the selection and amount of securities to be bought or sold in Client accounts, the Advisor will contact the Client and obtain approval prior to executing trades or allocating investment assets. Item 17 – Voting Client Securities Saxon Financial Group does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Saxon Financial Group, nor its management, have any adverse financial situations that would reasonably impair the ability of Saxon Financial Group to meet all obligations to its Clients. Neither Saxon Financial Group, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Saxon Financial Group is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 16  Privacy Policy Effective: September 4, 2025 Our Commitment to You Saxon Interests, Inc. dba Saxon Financial Group (“Saxon Financial Group” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Saxon Financial Group (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Saxon Financial Group does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 17  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes Saxon Financial Group does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Saxon Financial Group or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients Saxon Financial Group does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. State Specific Regulations California In response to a California law, to be conservative, we assume accounts with California addresses do not want us to disclose personal information about you to non-affiliated third parties, except as permitted by California law. We also limit the sharing of personal information about you with our affiliates to ensure compliance with California privacy laws. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (713) 425-5340 or via email at jaclyn@saxonfinancialgroup.com. Saxon Interests, Inc. dba Saxon Financial Group 1177 West Loop S, Suite 1825, Houston, TX 77027-9068 Phone: (713) 425-5340 * Fax: (713) 425-5341 www.saxonfinancialgroup.com Page 18