SIGNAL TREE FINANCIAL PARTNERS LLC

Signal Tree Financial Partners LLC Form ADV Part 2A – Disclosure Brochure Effective: September 12, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (330) 590-5937. Signal Tree is a registered investment advisor with the U.S. Securities and Exchange Commission. The information in this Disclosure Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Signal Tree to assist you in determining whether to retain the Advisor. Additional information about Signal Tree 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# 311871. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201 Copley, OH 44321 Phone: (330) 590-5937 www.signaltreefinancial.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 Signal Tree. For convenience, the Advisor has combined these documents into a single disclosure document. Signal Tree 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. Signal Tree 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 annual amendment filing on March 11, 2024: - The Advisor now has supervised person(s) who are insurance licensed. Please see Item 10 for additional information. - The Advisor is transitioning to registration with the U.S. Securities and Exchange Commission. - The Advisor may engage Independent Managers as a part of its investment management services. See Item 4 and 5 for additional information. - The Advisor no longer provides 3(21) retirement plan advisory services. 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# 311871. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (330) 590-5937. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 2  Item 3 – Table of Contents Item 1 – Cover Page 1 Form ADV Part 2A – Disclosure Brochure ........................................................................................................... 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 ........................................................................................................................................... 5 D. Wrap Fee Programs ........................................................................................................................................................ 6 E. Assets Under Management ............................................................................................................................................. 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services.............................................................................................................................................. 6 B. Fee Billing........................................................................................................................................................................ 7 C. Other Fees and Expenses .............................................................................................................................................. 7 D. Advance Payment of Fees and Termination ................................................................................................................... 7 E. Compensation for Sales of Securities ............................................................................................................................. 8 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 8 Item 7 – Types of Clients ....................................................................................................................................... 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................... 8 A. Methods of Analysis ........................................................................................................................................................ 8 B. Risk of Loss ..................................................................................................................................................................... 9 Item 9 – Disciplinary Information ........................................................................................................................ 10 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 10 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 10 A. Code of Ethics ............................................................................................................................................................... 10 B. Personal Trading with Material Interest ......................................................................................................................... 10 C. Personal Trading in Same Securities as Clients ........................................................................................................... 11 D. Personal Trading at Same Time as Client .................................................................................................................... 11 Item 12 – Brokerage Practices ............................................................................................................................ 11 A. Recommendation of Custodian[s] ................................................................................................................................. 11 B. Aggregating and Allocating Trades ............................................................................................................................... 12 Item 13 – Review of Accounts ............................................................................................................................. 12 A. Frequency of Reviews ................................................................................................................................................... 12 B. Causes for Reviews ...................................................................................................................................................... 12 C. Review Reports ............................................................................................................................................................. 12 Item 14 – Client Referrals and Other Compensation ........................................................................................ 12 A. Compensation Received by Signal Tree ....................................................................................................................... 12 B. Compensation for Client Referrals ................................................................................................................................ 13 Item 15 – Custody ................................................................................................................................................. 13 Item 16 – Investment Discretion ......................................................................................................................... 14 Item 17 – Voting Client Securities ....................................................................................................................... 14 Item 18 – Financial Information ........................................................................................................................... 14 Form ADV Part 2B – Brochure Supplements ..................................................................................................... 15 Privacy Policy ....................................................................................................................................................... 26 Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 3  Item 4 – Advisory Services A. Firm Information Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission. The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of Ohio. Signal Tree was founded in April 2020 and became a registered investment advisor in January 2021. Signal Tree is owned and operated by Jeffrey E. Rovnak (Chief Executive Officer and Chief Compliance Officer) and Thomas C. Rumsey (Owner). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Signal Tree. B. Advisory Services Offered Signal Tree offers investment advisory services to individuals, high net worth individuals, trusts, and estates (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. Signal Tree'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 Signal Tree provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management services. Signal Tree will develop an asset allocation strategy based on the Client’s investment goals, objectives, risk tolerance, and financial situation. Signal Tree’s asset allocation strategies consist of low-cost, diversified mutual funds, exchange- traded funds (“ETFs”), stocks, bonds, and independent managers. 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. Signal Tree’s asset allocation 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. Signal Tree 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. Signal Tree evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Signal Tree may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Signal Tree 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. Signal Tree 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 Signal Tree 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 Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 4  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. Use of Independent Managers Signal Tree will recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Client’s investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will ensure that each Independent Manager is properly licensed, notice filed, or exempt from registration. The Client will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning Services Signal Tree provides a variety of financial planning services to Clients, either as a component of investment management or pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on the Client’s goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation. 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, 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. Signal Tree 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 act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. C. Client Account Management Prior to engaging Signal Tree 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 – Signal Tree, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. ● Asset Allocation – Signal Tree 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 – Signal Tree will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 5  ● Investment Management and Supervision – Signal Tree will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Signal Tree does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Signal Tree. E. Assets Under Management As of February 20, 2025, Signal Tree manages approximately $171,150,000 in Client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior quarter. Investment advisory fees are based on the following schedule: Assets Under Management ($) Up to $2,000,000 $2,000,001 to $5,000,000 $5,000,001 and over Annual Rate (%) 1.00% 0.75% 0.50% 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. Client’s fees will take into consideration the aggregate assets under management with the Advisor. Certain Clients may be offered a fixed fee which includes both investment management and financial planning services. The fixed fee ranges up to $100,000 per year based on the complexity of the services to be provided. All securities held in accounts managed by Signal Tree will be independently valued by the Custodian. Signal Tree 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. Use of Independent Managers As noted in Item 4, the Advisor 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 total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Financial Planning Services Financial planning services for a fixed fee per engagement. Fixed fees range up to $50,000 per engagement. Financial planning fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be provided to the Client prior to engaging for these services. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 6  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 the number of days in the year multiplied by the number of days in the quarter) to the total assets under management with Signal Tree 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 Signal Tree 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. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees may include the Advisor’s investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. Financial Planning Services Financial planning fees are invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance is invoiced upon completion of the agreed upon deliverable[s]. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Signal Tree, 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 fees charged by Signal Tree are separate and distinct from these custody and execution fees. In addition, all fees paid to Signal Tree 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 Signal Tree, but would not receive the services provided by Signal Tree which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Signal Tree 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 Signal Tree 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. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 7  Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest, the Advisor will have the discretion to terminate the relationship with the Independent Manager. The terms for termination are set forth in the respective agreements between the Advisor and the Independent Managers. Financial Planning Services Signal Tree requires an advance deposit for fixed fee engagements 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 financial planning 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 planning fees based on the percentage of the engagement scope completed by the Advisor. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Signal Tree 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. Item 6 – Performance-Based Fees and Side-By-Side Management Signal Tree does not charge performance-based fees for its investment advisory services. The fees charged by Signal Tree are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Signal Tree 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 Signal Tree offers investment advisory services to individuals, high net worth individuals, trusts, and estates. Signal Tree generally does not impose a minimum relationship size. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Signal Tree primarily employs a fundamental analysis method in developing investment strategies for its Clients. Research and analysis from Signal Tree are derived from numerous sources, including financial media companies, third-party research materials, 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. As noted above, Signal Tree generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Signal Tree 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, Signal Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 8  Tree 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. Signal Tree 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 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. 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. 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 Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 9  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. Independent Manager Risks The Advisor may select certain Independent Managers to manage a portion of the Client’s portfolio. The Advisor will conduct due diligence, monitor the performance and adherence to the investment mandates and objectives on the selected Independent Managers. However, the Advisor will not have an active role in the day-to-day management of this portion of the Client’s portfolio. A failure by an Independent Manager’s ability to successfully implement its model, strategies and/or management of assets could result in a negative impact on the Client’s overall investment portfolio. The performance may also be impacted by market conditions. Legal and compliance risk may also impact the independent manager and its ability to manage client assets. 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 Signal Tree or its owner. Signal Tree 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# 311871. Item 10 – Other Financial Industry Activities and Affiliations Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Insurance Agency Affiliations Certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Signal Tree. As an insurance professional, the Advisory Person may receive customary commissions and other related revenues from the various insurance companies whose products are sold. The 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 may cause a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisory Persons or the Advisor. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Signal Tree 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 Signal Tree (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Signal Tree and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Signal Tree’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 (330) 590-5937. B. Personal Trading with Material Interest Signal Tree allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Signal Tree does not act as principal in any transactions. In addition, the Advisor Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 10  does not act as the general partner of a fund, or advise an investment company. Signal Tree does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Signal Tree 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 requiring reporting of personal accounts to the Chief Compliance Officer (“CCO”). The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Signal Tree 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 Signal Tree, or any Supervised Person of Signal Tree, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Signal Tree 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 Signal Tree to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Signal Tree does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Signal Tree 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 Signal Tree. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Signal Tree 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. Signal Tree will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified custodian”. Signal Tree maintains an institutional relationship with Schwab, whereby the Advisor receives economic benefits from Schwab. For additional information, 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. Signal Tree does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - Signal Tree does not receive any compensation from any third party in connection with the recommendation for establishing an account. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 11  3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Signal Tree 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]). Signal Tree 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. Signal Tree will execute its transactions through the Custodian as authorized by the Client. Signal Tree may 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. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Jeffrey E. Rovnak, Chief Compliance Officer of Signal Tree. 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 Signal Tree 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. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Signal Tree Signal Tree is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. Signal Tree does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. Signal Tree 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, Signal Tree may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform Signal Tree has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like Signal Tree. As a registered investment Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 12  advisor participating on the Schwab Advisor Services platform, Signal Tree receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. 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 potential conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services and financial support to Signal Tree that may not benefit the Client, including: educational conferences and events, financial start-up support, consulting services and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a potential conflict of interest. Signal Tree believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. B. Compensation for Client Referrals Certain Clients may be referred to Signal Tree by either an affiliated or unaffiliated party and receive, directly or indirectly, compensation for the Client referral. In such instances, Signal Tree will compensate the respective party a fee in accordance with the applicable state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by Signal Tree, and shall not result in any additional charge to the Client. Zoe Financial, Inc. Signal Tree may receive Client referrals from Zoe Financial, Inc through its participation in Zoe Advisor Network (ZAN). Zoe Financial, Inc is independent of and unaffiliated with the Advisor and there is no employee relationship between them. Zoe Financial established the Zoe Advisor Network as a means of referring individuals and other investors seeking fiduciary personal investment management services or financial planning services to independent investment advisors. Zoe Financial does not supervise the Advisor and has no responsibility for the Advisor’s management of Client portfolios or the Advisor’s other advice or services. The Advisor pays Zoe Financial an on- going fee for each successful Client referral. This fee is usually a percentage of the advisory fee that the Client pays to the Advisor (“Solicitation Fee”). The Advisor will not charge Clients referred through Zoe Advisor Network any fees or costs higher than its standard fee schedule offered to its Clients. For information regarding additional or other fees paid directly or indirectly to Zoe Financial Inc, please refer to the Zoe Financial Disclosure and Acknowledgement Form. Item 15 – Custody Signal Tree 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 Signal Tree exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 13  securities and must instruct Signal Tree 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 Signal Tree to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - For instances where Clients authorize Signal Tree to move funds between their accounts, Signal Tree 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 Signal Tree 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 Signal Tree. 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 Signal Tree will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Signal Tree 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 Signal Tree, nor its management, have any adverse financial situations that would reasonably impair the ability of Signal Tree to meet all obligations to its Clients. Neither Signal Tree, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Signal Tree 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. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 14  Form ADV Part 2B – Brochure Supplement for Jeffrey E. Rovnak, CFP®, Chief Executive Officer and Chief Compliance Officer Effective: September 12, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeffrey E. Rovnak, CFP® (CRD# 3275236) in addition to the information contained in the Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”, CRD# 311871) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Signal Tree Disclosure Brochure or this Brochure Supplement, please contact us at (330) 590-5937. Additional information about Mr. Rovnak is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3275236. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 15  Item 2 – Educational Background and Business Experience Jeffrey E. Rovnak, CFP®, born in 1977, is dedicated to advising Clients of Signal Tree as the Chief Executive Officer and Chief Compliance Officer. Mr. Rovnak earned a BA in Business Administration from University of Mount Union in 1999. Additional information regarding Mr. Rovnak’s employment history is included below. Employment History: CEO, CCO, Signal Tree Financial Partners LLC EVP of Private Client Services, Sequoia Financial Group, L.L.C. First Vice President, Wells Fargo Advisors, LLC 01/2021 to Present 01/2015 to 12/1/2019 02/2009 to 12/2015 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; 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 87,000 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, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). 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 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 the 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. Individuals 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 interests of their clients. 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®. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 16  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Rovnak. Mr. Rovnak has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Rovnak. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Rovnak. However, we do encourage you to independently view the background of Mr. Rovnak on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3275236. Item 4 – Other Business Activities Mr. Rovnak is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Rovnak does not have any other business activities. Item 5 – Additional Compensation Mr. Rovnak is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Rovnak does not receive any additional forms of compensation. Item 6 – Supervision Mr. Rovnak serves as the Chief Executive Officer and the Chief Compliance Officer of Signal Tree. Mr. Rovnak can be reached at (330) 590-5937. Signal Tree has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Signal Tree. Further, Signal Tree is subject to regulatory oversight by various agencies. These agencies require registration by Signal Tree and its Supervised Persons. As a registered entity, Signal Tree is subject to examinations by regulators, which may be announced or unannounced. Signal Tree is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 17  Form ADV Part 2B – Brochure Supplement for David J. Massare Jr., CFP® CLU® Senior Financial Advisor Effective: September 12, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of David J. Massare Jr., CFP®, CLU® (CRD# 4619768) in addition to the information contained in the Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”, CRD# 311871) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Signal Tree Disclosure Brochure or this Brochure Supplement, please contact us at (330) 590-5937. Additional information about Mr. Massare is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4619768. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 18  Item 2 – Educational Background and Business Experience David J. Massare Jr., CFP®, CLU® born in 1980, is dedicated to advising Clients of Signal Tree as a Senior Financial Advisor. Mr. Massare earned a Bachelor’s degree from Miami University in 2002. Additional information regarding Mr. Massare’s employment history is included below. Employment History: Senior Financial Advisor, Signal Tree Financial Partners LLC Unemployed Wealth Advisor, Sequoia Financial Group 06/2023 to Present 02/2023 to 06/2023 10/2005 to 02/2023 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; 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 87,000 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, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). 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 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 the 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. Individuals 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 interests of their clients. 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®. The Chartered Life Underwriter (“CLU®”) The Chartered Life Underwriter® (CLU®) is a designation of insurance expertise, helping gain a significant advantage in a competitive market. This course of study helps by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 19  Program Learning Objectives: ● Provide guidance to clients on types and amounts of life insurance needed ● Make recommendations on aspects of risk management, including personal and business uses of a variety of insurance solutions ● Provide guidance to clients on legal aspects of life insurance contracts and beneficiaries ● Assist clients in making decisions about estate planning, including proper holding of assets and title to assets, as well as the implications of various wills and trust arrangements on financial, retirement and succession planning issues ● Provide a holistic and comprehensive approach to addressing the insurance planning needs of their clients Item 3 – Disciplinary Information Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. The background of Mr. Massare can also be viewed on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4619768. Item 4 – Other Business Activities Mr. Massare is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Massare does not have any other business activities. Item 5 – Additional Compensation Mr. Massare is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Massare does not receive any additional forms of compensation. Item 6 – Supervision Mr. Massare serves as a Senior Financial Advisor of Signal Tree and is supervised by Jeffrey Rovnak, the Chief Compliance Officer. Mr. Rovnak can be reached at (330) 590-5937. Signal Tree has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Signal Tree. Further, Signal Tree is subject to regulatory oversight by various agencies. These agencies require registration by Signal Tree and its Supervised Persons. As a registered entity, Signal Tree is subject to examinations by regulators, which may be announced or unannounced. Signal Tree is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 20  Form ADV Part 2B – Brochure Supplement for Elizabeth P. Scheiderer, CFP® Principal and Senior Financial Advisor Effective: September 12, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Elizabeth P. Scheiderer, CFP® (CRD# 5422740) in addition to the information contained in the Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”, CRD# 311871) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Signal Tree Disclosure Brochure or this Brochure Supplement, please contact us at (330) 590-5937. Additional information about Mrs. Scheiderer is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5422740. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 21  Item 2 – Educational Background and Business Experience Elizabeth P. Scheiderer, CFP®, born in 1985, is dedicated to advising Clients of Signal Tree as a Principal and Senior Financial Advisor. Mrs. Scheiderer earned her Bachelor of Science in Communication from Ohio University in 2007. Additional information regarding Mrs. Scheiderer’s employment history is included below. Employment History: Principal and Senior Financial Advisor, Signal Tree Financial Partners LLC Investment Advisor Representative, Sequoia Financial Group, L.L.C. Investment Advisor Representative, NCA Financial Planners 08/2024 to Present 01/2022 to 08/2024 05/2008 to 11/2022 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; 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 87,000 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, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). 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 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 the 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. Individuals 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 interests of their clients. 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®. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 22  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Scheiderer. Mrs. Scheiderer has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Scheiderer. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Scheiderer. However, we do encourage you to independently view the background of Mrs. Scheiderer on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5422740. Item 4 – Other Business Activities Mrs. Scheiderer is dedicated to the investment advisory activities of Signal Tree’s Clients. Mrs. Scheiderer does not have any other business activities. Item 5 – Additional Compensation Mrs. Scheiderer is dedicated to the investment advisory activities of Signal Tree’s Clients. Mrs. Scheiderer does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Scheiderer serves as a Principal and Senior Financial Advisor of Signal Tree and is supervised by Jeffrey Rovnak, the Chief Compliance Officer. Mr. Rovnak can be reached at (330) 590-5937. Signal Tree has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Signal Tree. Further, Signal Tree is subject to regulatory oversight by various agencies. These agencies require registration by Signal Tree and its Supervised Persons. As a registered entity, Signal Tree is subject to examinations by regulators, which may be announced or unannounced. Signal Tree is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 23  Form ADV Part 2B – Brochure Supplement for James S. Grable Associate Financial Advisor Effective: September 12, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of James S. Grable (CRD# 7555823) in addition to the information contained in the Signal Tree Financial Partners LLC (“Signal Tree” or the “Advisor”, CRD# 311871) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Signal Tree Disclosure Brochure or this Brochure Supplement, please contact us at (330) 590-5937. Additional information about Mr. Grable is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7555823. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 24  Item 2 – Educational Background and Business Experience James S. Grable, born in 1999, is dedicated to advising Clients of Signal Tree as an Associate Financial Advisor. Mr. Grable earned a Bachelors Degree from John Carroll University in 2022. Additional information regarding Mr. Grable’s employment history is included below. Employment History: Associate Financial Advisor, Signal Tree Financial Partners LLC Financial Advisor, Northwestern Mutual Investment Services, LLC Retail Sales Intern, KeyBank Bagroom Employee, Country Club of Buffalo Recreation Staff, John Carroll University Income Tax Preparer, Zapitelli Financial Line Cook, La Nova Pizzeria 03/2025 to Present 07/2022 to 03/2025 05/2021 to 08/2021 05/2018 to 08/2020 02/2019 to 05/2019 02/2019 to 05/2019 05/2016 to 08/2016 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Grable. Mr. Grable has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Grable. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Grable. However, we do encourage you to independently view the background of Mr. Grable on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7555823. Item 4 – Other Business Activities Mr. Grable is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Grable does not have any other business activities. Item 5 – Additional Compensation Mr. Grable is dedicated to the investment advisory activities of Signal Tree’s Clients. Mr. Grable does not receive any additional forms of compensation. Item 6 – Supervision Mr. Grable serves as an Associate Financial Advisor of Signal Tree and is supervised by Jeffrey Rovnak, the Chief Compliance Officer. Mr. Rovnak can be reached at (330) 590-5937. Signal Tree has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Signal Tree. Further, Signal Tree is subject to regulatory oversight by various agencies. These agencies require registration by Signal Tree and its Supervised Persons. As a registered entity, Signal Tree is subject to examinations by regulators, which may be announced or unannounced. Signal Tree is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 25  Privacy Policy Effective: September 12, 2025 Our Commitment to You Signal Tree Financial Partners LLC (“Signal Tree” 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. Signal Tree (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. Signal Tree 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. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 26  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 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. No Not Shared Marketing Purposes Signal Tree 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 Signal Tree 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. Yes Yes 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]. No Not Shared Information About Former Clients Signal Tree 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. 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 (330) 590-5937. Signal Tree Financial Partners LLC 840 Rothrock Road, Suite 201, Copley, OH 44321 Phone: (330) 590-5937 Page 27