Sjhl Financial Group

Form ADV Part 2A – Disclosure Brochure SJHL Financial Group IARD# 285946 123 South Main, P.O. Box 1337 McPherson, KS 67460-1337 620-241-1826 www.sjhl.com. June 24, 2026 This Disclosure Brochure provides information about the qualifications and business practices of SJHL Financial Services, LLC, d/b/a SJHL Financial Group. (“SJHL” or the “Advisor”). If you have any questions about the contents of this Disclosure Brochure, please contact us at: (620) 241-1826, or by email at: tkliewer@sjhl.com. 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 SJHL to assist you in determining whether to retain them as an Advisor. Additional information about SJHL and its advisory personnel are available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 – Material Changes Summary of Material Changes When material changes occur, we will amend this Disclosure Brochure to reflect the changes. Annually, a Summary of Material Changes will be provided to each Client and an offer of a complete Disclosure Brochure if a material change occurs in the business practices of SJHL. There have been no material changes since SJHL’s last annual amendment of March 16, 2026. Full Brochure Available 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. You may also request a copy of this Disclosure Brochure at any time, by contacting us at (620)241-1826, or by email at: tkliewer@sjhl.com.  Item 3 – Table of Contents 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. Termination of Agreements ........................................................................................................................................................... 6 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 ............................................................................................................................................................ 8 D. Advance Payment of Fees and Termination ................................................................................................................................. 8 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 ......................................................................... 9 A. Methods of Analysis ...................................................................................................................................................................... 9 B. Investment Strategies ................................................................................................................................................................... 9 C. 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 ....................................................................................................................................... 11 C. Personal Trading in Same Securities as Clients ......................................................................................................................... 11 Item 12 – Brokerage Practices .......................................................................................................................................... 11 A. Directed Brokerage ..................................................................................................................................................................... 11 B. Soft Dollars ................................................................................................................................................................................. 11 C. 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 SJHL ............................................................................................................................................... 12 B. Client Referrals ........................................................................................................................................................................... 12 Item 15 – Custody .............................................................................................................................................................. 13 Item 16 – Investment Discretion ....................................................................................................................................... 13 Item 17 – Voting Client Securities .................................................................................................................................... 13 Item 18 – Financial Information ........................................................................................................................................ 13 Form ADV Part 2B – Brochure Supplement ..................................................................................................................... 14 Form ADV Part 2B – Brochure Supplement .................................................................................................................... 16 Form ADV Part 2B – Brochure Supplement .................................................................................................................... 18 Form ADV Part 2B – Brochure Supplement .................................................................................................................... 21 Form ADV Part 2B – Brochure Supplement .................................................................................................................... 23 3  Item 4 – Advisory Services A. Firm Information The following provides information about a variety of topics relating to SJHL Financial Services, LLC d/b/a SJHL Financial Group (hereinafter referred to as "SJHL” or the “Advisor”), its business practices and conflicts of interest. SJHL is an SEC registered investment adviser with its principal office and place of business in Kansas. SJHL was founded in October 2016 and is owned Chet Buchman, Stacie Wilson, Darren Anderson, Adam Grilliot, Jaymie Rothrock, Justin Kaufman, and Deborah Coan. SJHL is affiliated with Swindoll, Janzen, Hawk & Loyd, LLC through common ownership. B. Advisory Services Offered SJHL offers financial planning and investment advisory services to individuals, pension and profit-sharing plans, trusts, estates, and small businesses (each referred to as a “Client”). Prior to engaging SJHL, each Client is required to enter into an investment advisory agreement with SJHL that defines the terms, conditions, authority, and responsibilities of SJHL and the Client. SJHL hereby acknowledges that it is a "fiduciary" when the firm’s services are subject to the provisions of ERISA of 1974, as amended. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Investment Management Services SJHL provides customized investment advisory solutions for its clients through continuous personal client contact, interaction, and oversight while providing discretionary investment management, through its sub-advisor (described further below), Focus Partners Advisor Solutions (“FPAS”) (formerly Buckingham Strategic Partners, LLC). SJHL works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation to create a portfolio allocation. SJHL, in connection with the Client, will identify the Client’s investment goals and objectives, and, with FPAS, will identify the broad strategy[ies] to be employed and develop a strategic asset allocation that is targeted to meet the identified investment objectives, time horizon, financial situation and tolerance for risk for each 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 SJHL. At times, SJHL will provide clients with financial planning recommendations as part of its investment management services. These services range in nature and scope depending upon the Client’s needs. When financial planning recommendations are provided, these are done as a part of the investment management services at no additional cost. SJHL, with FPAS, will provide investment management and ongoing oversight of the Client’s account using a portfolio, consisting of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. Initial public offerings (IPOs) and non-traded REITS are not available through SJHL. Accounts are managed on a discretionary basis. SJHL will be responsible for selecting funds for the account, and their amounts. 4  At no time will SJHL accept or maintain physical custody of a client’s funds or securities. The firm does have constructive custody due to the direct deduction of SJHL’s fees and due to the use of Standing Letters of Authorization for third-party money movement with the client’s custodian. Limited Scope, Project-Based Financial Planning SJHL provides Limited-Scope, Project-Based Financial Planning Services to clients in financial planning areas identified by the client. Depending on the client’s needs, the scope of SJHL’s Financial Planning Services may include, but are not limited to, the following areas: tax planning, retirement planning, investment planning, charitable giving, insurance analysis and risk management, goal setting, business succession and exit planning, and legacy planning. Clients understand that the responsibility for all financial decisions is theirs alone, and that they are under no obligation to follow, either wholly or partially, any recommendations or suggestions provided by SJHL. SJHL’s Limited Scope, Project-Based Financial Planning Services, begin when the client enters into an agreement with the firm and terminate upon delivery of the firm’s recommendations to the client. The services provided in SJHL’s Limited-Scope, Project-Based Financial Planning engagement do not include ongoing or continuous supervision or management of a client’s securities, cash, or other assets. Clients who wish for SJHL to implement the recommendations that they have received and to manage their securities, cash, or other assets will necessarily enter into another agreement with the firm. Use of Sub-Adviser SJHL has contracted with Focus Partners Advisor Solutions (“FPAS”) (formerly Buckingham Strategic Partners, LLC), for services including trade processing, collection of management fees, record maintenance, report preparation, marketing assistance, and research. SJHL has also contracted with FPAS as its sub-advisor to provide portfolio management to clients’ accounts. SJHL pays a fee for these FPAS services based on management fees paid to SJHL on accounts that use FPAS services. These fees will not be separately charged to advisory clients. The fee paid by SJHL to FPAS varies based on the total amount of client assets administered and/or sub advised by FPAS through SJHL, and as FPAS acts as subadvisor for more client funds, the rate it charges to SJHL decreases; therefore, SJHL has a conflict in that it has an incentive to recommend more clients work with FPAS, which is mitigated by the fact that recommendations that clients work with FPAS are only made when in the best interests of clients and the decision to work with FPAS is ultimately the client’s. For investment management services, SJHL will request authority from the client to delegate discretion to trade in the client’s account, and to receive quarterly payments directly from the client's account held by an independent custodian. Clients may provide written limited authorization to SJHL or its sub-advisor, FPAS, to withdraw fees from the account. Clients will receive custodial statements showing the advisory fees debited from their account(s). Certain third-party administrators will calculate and debit SJHL’s fee and remit such fee to SJHL. Retirement Plan Consulting Services We offer services to both plan sponsors and participants of retirement benefit plans. Plan Design and Provider Consulting. We may assist with various aspects of the plan design. We evaluate bundled or unbundled retirement plan service providers, including record keepers, third party administrators, trustees, custodians, investment companies and legal and accounting professionals. Investment Services. We offer assistance in creating and establishing a plan’s asset allocation and in evaluating and monitoring investment options. This may include reviewing appropriate investment options for the plan, asset classes and investment styles, evaluating and recommending investment managers, types, and selection of investment options. We may also conduct periodic reviews of the plan’s investments to evaluate performance, risk characteristics and expenses and recommend changes where appropriate. Employee Education Services. We provide services to help plan participants choose an appropriate deferral rate and investment selection by holding enrollment meetings and providing online or printed educational materials to encourage participation and help employees choose appropriate deferral rates and investment elections. We may 5  also work directly with plan participants to help them evaluate their retirement savings goals and implement appropriate contribution amounts and investments available in the plan. To assist plan sponsors in fulfilling their ERISA fiduciary responsibilities, we may compare a plan’s services, investments, features, and fees against those of comparable plans in similar-sized organizations, provide educational resources to help plan sponsors understand and meet their fiduciary obligations and provide detailed listings and explanations of all fees paid by the plan and participants to service providers and identify appropriate opportunities for cost savings. All recommendations of investment options and portfolios are submitted to the client for ultimate approval or rejection. Therefore, it is always the client’s responsibility to make changes to the plan itself. In the event a client contracts with SJHL for one-on-one consulting services with plan participants, those services are consultative in nature and do not involve SJHL implementing recommendations in individual participant accounts. It is the responsibility of each participant to implement changes in the participant’s individual accounts. We can also meet with individual participants to discuss their specific investment risk tolerance, investment time frame and investment selections. Although we do not implement any transactions in a retirement plan or participant’s account; we can assist participants with adjusting the allocation percentage of their contributions for investment options available within their plan upon request. SJHL does not serve as an administrator or trustee of the plan nor does SJHL act as custodian for any client account or have access to client funds or securities (with the exception of some accounts having written authorization from the client to deduct our fees and in connection with Standing Letters of Authorization on file with clients’ custodian). For retirement plan consulting services, the retirement plan or the plan participant who elects to implement any recommendations made by us is solely responsible for implementing all transactions. C. Termination of Agreements Although investment management contemplates an ongoing agreement, the length of service is at the client’s discretion. The Client or SJHL may terminate the agreement at any time by written notice to the other party upon advance written notice. D. Wrap Fee Programs SJHL does not manage or place Client assets into a wrap fee program. E. Assets Under Management As of December 31, 2025, SJHL managed $174,548,564 in assets on a discretionary basis. Item 5 – Fees and Compensation A. Fees for Advisory Services The following paragraphs detail the fee structure and compensation methodology for services provided by SJHL. The specific way fees are charged by SJHL is established in a client’s written agreement with SJHL. Fees may be waived in certain circumstances and are negotiable based on the complexity of the client’s situation, the composition of the client’s account, the relationship of the client with SJHL, and the total amount of assets under management for the client. Investment Management and Retirement Plan Consulting Fees SJHL's investment management fee is generally not negotiable and is charged according to the fee schedule below applied on a cumulative basis. Generally, fees are charged against each respective account or from a taxable account, if available. 6  Fees are charged quarterly, in advance. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the market value of the total assets under management with SJHL on the last day of the prior quarter. Fees on accounts opened mid-quarter are prorated and charged in arrears. These prorated fees are then added to the first full quarter’s fees which are charged in advance for the first full quarter. Account Balance Up to $49,999 $50,000 to $199,999 $200,000 to $499,999 $500,000 to $999,999 $1,000,000 to $1,999,999 $2,000,000 to $2,999,999 $3,000,000 to $3,999,999 $4,000,000 to $4,999,999 $5,000,000 or more Annual Fee 1.45% 1.35% 1.20% 1.00% 0.90% 0.80% 0.70% 0.60% 0.50% Limited-Scope, Project-Based Financial Planning Fees SJHL charges a flat fee based on the scope, complexity, and extent of the services needed by the client for its Limited-Scope, Project-Based Financial Planning Services. One half of the fee is due at the beginning of the engagement, and the remainder of the fee is due upon the presentation of the recommendations. If the scope of the work changes after commencement of the project requiring more time than originally estimated, additional fees will be charged at an hourly rate agreed upon by the client in the original agreement subject to the consent of the client before the additional work commences. The client or SJHL can choose to terminate the agreement for Limited-Scope, Project-Based Financial Planning Services at any time with written notice. Terminations will not affect the liabilities or obligations of either the client or SJHL prior to the termination or the client’s obligation to pay the firm through the date of termination for the services performed prior to termination except that clients have five (5) business days from the date they execute the agreement for these services to terminate the agreement without penalty. In the event of a termination prior to the completion of the services or delivery of the recommendations, SJHL will provide the client with a prorated refund of any unearned, prepaid fees based on SJHL’s determination, in its sole discretion, of the services completed as of the date of the termination. B. Fee Billing Investment Management fee Clients provide written authorization permitting SJHL to be paid directly from their account held by the Custodian as part of the Investment Advisory Agreement and separate account forms provided by the Custodian. Clients will be provided with a statement, at least quarterly, from the Custodian, reflecting deductions of the investment management fee. In addition, each time the fee is deducted from a client's account SJHL will concurrently provide the Client with an invoice itemizing the fee, including the calculation period covered by the fee, and the account value used to calculate the fee. As noted above, SJHL has contracted with FPAS for certain sub-advisory services, and SJHL pays a fee for these FPAS services based on management fees paid to SJHL on accounts that use FPAS services. These fees will not be separately charged to advisory clients. The fee paid by SJHL to FPAS varies based on the total amount of client assets administered and/or sub advised by FPAS through SJHL, and as FPAS acts as subadvisor for more client funds, the rate it charges to SJHL decreases; therefore, SJHL has a conflict in that it has an incentive to recommend more clients work with FPAS, which is mitigated by the fact that recommendations that clients work with FPAS are only made when in the best interests of clients and the decision to work with FPAS is ultimately the client’s. 7  Limited-Scope, Project-Based Financial Planning Fee Clients may pay the fee for Limited-Scope, Project-Based Financial Planning Services via check. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than SJHL, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custodial and securities execution fees charged by the custodian and executing broker-dealer. The Investment Advisory Fee charged by SJHL is separate and distinct from these custodian and execution fees. In addition, all fees paid to SJHL for investment advisory services are separate and distinct from the expenses charged by mutual funds and exchange-traded funds 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 could invest in these products directly, without the services of SJHL, but would not receive the services provided by SJHL 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 SJHL to fully understand the total fees to be paid. D. Advance Payment of Fees and Termination Investment Management SJHL is compensated for its investment management services in advance of the quarter in which investment advisory services are rendered. Clients may request to terminate their Investment Advisory Agreement with SJHL, in whole or in part, by providing advance written notice. The Client shall be responsible for Investment Advisory Fees up to and including the effective date of termination. Upon termination, the Advisor will promptly refund any unearned, prepaid investment management fee from the effective date of termination to the end of the quarter. E. Compensation for Sales of Securities SJHL does not buy or sell securities 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 SJHL does not charge performance-based fees for its investment advisory services. Item 7 – Types of Clients SJHL provides investment advisory services to the following types of Clients: Individuals, Non-Profits, Personal Trusts, and Estates – private investors, investing their personal assets Pension and Profit-Sharing Plans – retirement plan sponsors or company plans    Charitable Organizations SJHL does not have a minimum requirement to open, maintain an account, or to receive advisory services from us. 8  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis SJHL, through FPAS, will primarily employ fundamental analysis methods in developing investment strategies for its clients’ accounts. Research and analysis 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. These criteria are generally 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 evaluate 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. B. Investment Strategies SJHL, by using FPAS, generally employs a long-term investment strategy, but may hold securities for shorter periods for the purpose of rebalancing a portfolio. At times, securities may be bought that are more short-term in nature, depending on the security, sector, or asset class. SJHL will monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. SJHL 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 Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. C. 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. SJHL 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. 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. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. SJHL will work with each Client to determine their tolerance for risk as part of the portfolio construction process. However, all investment programs have certain risks that are borne by the investor. Investors face the following investment risks: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market value to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic, and social conditions may trigger market events. • Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, because purchasing power is eroding at the rate of inflation. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. 9  • Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad times. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Item 9 – Disciplinary Information SJHL is required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of our firm or the integrity of our management. SJHL nor any of its management persons have information applicable to this Item. Item 10 – Other Financial Industry Activities and Affiliations Certified Public Accountant (“CPA”) Affiliation SJHL has arrangements with their affiliate, a separately owned CPA business, Swindoll, Janzen, Hawk & Loyd, LLC to provide administrative support to SJHL. Swindoll, Janzen, Hawk & Loyd, LLC provides tax and accounting services to some clients that are also investment clients of SJHL. Both firms have common ownership. This may cause a conflict of interest in recommending certain services provided by Swindoll, Janzen, Hawk & Loyd, LLC such as tax and accounting services. Clients are under no obligation to implement any recommendations made by SJHL in their capacity as an Advisor or to use the accounting services of Swindoll, Janzen, Hawk & Loyd, LLC. As previously disclosed under Advisory Business, SJHL has engaged Focus Partners Advisor Solutions (“FPAS”) (formerly Buckingham Strategic Partners, LLC), an SEC registered investment adviser, as sub-advisor for its clients, and to provide certain back-office services. FPAS provides SJHL with trade processing, collection of management fees, record maintenance, report preparation, marketing assistance and research. Timothy Kliewer is a licensed insurance agent. Approximately 5% of Mr. Kliewer’s time is spent on this practice. From time to time, he will offer clients insurance products and/or services. This presents a conflict of interest because he has an incentive to recommend products and services based on the commission and/or fee amount received. This conflict is mitigated by the fact that Mr. Kliewer has a fiduciary responsibility to place the interest of the client first and the clients are not required to purchase any products or services from him. Clients have the option to purchase these products or services at a higher or lesser cost through another insurance agent. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics SJHL has implemented a Code of Ethics that defines our fiduciary commitment to each Client. This Code of Ethics applies to all persons associated with SJHL. The Code of Ethics was developed to provide general ethical guidelines and specific instructions regarding our duties to you, our client. SJHL and its personnel owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of SJHL associates to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code of Ethics covers 10  a range of topics that address employee ethics and conflicts of interest. To request a copy of our Code of Ethics, please contact us at (620) 241-1826, or by email at: tkliewer@sjhl.com. B. Personal Trading with Material Interest SJHL does not act as the general partner of a fund or advise an investment company. SJHL does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients SJHL allows our employees to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities, we recommend (purchase or sell) to you presents a potential conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures. The fiduciary duty to act in the best interest of its clients can potentially 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 the fact that most trades in a client’s account are mutual funds and ETFs that present little to no likelihood of a material conflict when purchasing the same securities. At no time will SJHL, or any associated person of SJHL, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Directed Brokerage SJHL does not require or engage in directed brokerage involving our client's accounts. Clients may direct our firm to use another broker-dealer to execute some or all transactions for their account. In these circumstances, SJHL will not have authority to negotiate commissions or to obtain volume discounts or participate in block trades. Clients will be responsible for negotiating, in advance, the terms and/or arrangement for their account with their selected broker dealer. As a result, Clients may pay higher commissions or other transaction costs, experience greater spreads, or receive less favorable net prices, on transactions for their account than would otherwise be the case. Recommendation of Custodian[s] SJHL does not have discretionary authority to select the broker-dealer/custodian for custodial and execution services. The Client retains the right to select the broker-dealer or custodian (herein the "custodian") to safeguard client assets and authorize SJHL to direct trades to this custodian as agreed to in the Investment Advisory Agreement. Further, SJHL does not have the discretionary authority to negotiate commissions on behalf of our clients on a trade-by-trade basis. Any custodial recommendations are based on the client's need for such services. Unless otherwise directed, the client's account will be opened and maintained at a discount brokerage firm(s) recommended by SJHL. SJHL primarily recommends discount brokerage firms and uses Charles Schwab & Co. Inc. as a third-party custodian for client accounts. B. Soft Dollars Through its relationship with FPAS, SJHL participates in Charles Schwab & Co, Inc.’s (“Schwab”) institutional customer program and may recommend Schwab to Clients for custody and brokerage services. There is no direct link between SJHL's participation in the program and the investment advice it gives to its clients, although SJHL receives economic benefits through its participation in the program that are typically not available to Schwab’s retail investors. These benefits include the following products and services (provided without cost or at a discount): receipt of duplicate client statements and confirmations; research related products and tools: consulting services; access to a trading desk; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to Client accounts); the ability to have advisory fees deducted directly from client accounts; access to an electronic communications network for 11  client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to SJHL by third party vendors. Some of the products and services made available by Schwab through the program may benefit SJHL but may not benefit its clients’ accounts. These products or services may assist SJHL in managing and administering client accounts, including accounts not maintained at Schwab. The benefits received by SJHL or its personnel through participation in the program do not depend on the amount of brokerage transactions directed to Schwab. As part of its fiduciary duties to clients, SJHL endeavors at all times to put the interests of its clients first. Clients should be aware, however, that the receipt of economic benefits by SJHL or its related persons in and of itself creates a conflict of interest and may indirectly influence SJHL and FPAS’s choice of Schwab for custody and brokerage services. Neither SJHL nor FPAS receives fees or commissions from these arrangements, nor does it derive any special benefit (any more than any other investment adviser). C. Aggregating and Allocating Trades Most trades are mutual funds or exchange-traded funds where trade aggregation does not garner any client benefit. Item 13 – Review of Accounts A. Frequency of Reviews Investment management accounts are monitored on a regular and continuous basis. Reviews of clients' accounts are generally conducted no less than annually. Reviews may be performed more frequently depending upon 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 or less 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. The client is encouraged to notify SJHL 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 account statements no less than quarterly from the account’s custodian. These 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 statements will include all positions, transactions and fees relating to the client’s account[s]. The Advisor will also provide clients with periodic reports regarding their holdings, allocations, and performance. Clients are responsible for reviewing their accounts. Clients are urged to compare the information contained in the account statements from the custodian with the information in any report from SJHL. Item 14 - Client Referrals and Other Compensation A. Compensation Received by SJHL SJHL does not receive commissions or other compensation from product sponsors, broker-dealers or any unrelated third party. SJHL may refer clients to various third parties to provide certain financial services necessary to meet the goals of its clients. Likewise, SJHL may receive referrals of new clients from a third party. B. Client Referrals Some supervised persons of SJHL receive compensation from SJHL for referring clients to the firm. 12  Item 15 – Custody SJHL does not accept or maintain physical custody of any client accounts. All client assets are held by an independent qualified custodian. We may provide you with periodic reports from our firm that include investment performance information. You are urged to carefully review and compare your account statements that you have received directly from your custodian with any report you receive from our firm. SJHL is deemed to have "constructive" custody of client assets because it has the authority to deduct management fees directly from client accounts and have them paid to the Firm. Since the Firm directly debits its fees and follows the SEC's Custody Rule safeguards, the Firm is not subject to the additional requirements of an adviser with custody. The Firm also has constructive custody of assets to the extent it uses Standing Letters of Authorizations (“SLOAs”) for third-party money movement. The Firm follows the SEC No Action guidance and maintains records to avoid the need for a surprise annual audit. Item 16 – Investment Discretion SJHL has discretion over the selection and the amount of securities to be bought or sold in client accounts without obtaining prior consent or approval from the client. 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 SJHL will be in accordance with each client's investment objectives and goals. Item 17 – Voting Client Securities SJHL does not accept proxy-voting responsibility for any client but will assist in answering questions relating to proxies. However, the client retains the sole responsibility for proxy decisions and voting. You will receive proxies or other similar solicitations directly from your selected custodian or transfer agent. Further, SJHL will have no power, authority, responsibility, or obligation to take any action with regard to any claim or potential claim in any bankruptcy proceeding, class action securities litigation or other litigation or proceeding relating to securities held at any time in a client account, including, without limitation, to file proofs of claim or other documents related to such proceeding, or to investigate, initiate, supervise or monitor class action or other litigation involving client assets. Item 18 – Financial Information Neither SJHL, nor its management, have any adverse financial situations that would reasonably impair the ability of SJHL to meet all obligations to its clients. Neither SJHL, nor any of its advisory persons, have been subject to bankruptcy or financial compromise. SJHL is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not require or solicit prepayment of more than $1200 in fees per client for services to be performed six months or more in advance. 13  Form ADV Part 2B – Brochure Supplement Timothy D. Kliewer, CFP® CRD# 5793581 SJHL Financial Group 123 South Main McPherson, KS 67460 (620) 241-1826 June 24, 2026 This brochure supplement provides information about SJHL Financial Group personnel that supplements SJHL Financial Group’s brochure. You should have received a copy of SJHL Financial Group’s Brochure. Please contact Tim Kliewer at (620) 241-1826, or by email at: tkliewer@sjhl.com if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about SJHL Financial Group’s personnel is available on the SEC's website at www.adviserinfo.sec.gov. 14  Timothy D. Kliewer, CFP® born in 1984 Item 2 – Educational Background and Business Experience Education Kansas State University, bachelor’s in finance, 2008 Certified Financial Planner (CFP®) designation, May 2013 Professional Certifications Timothy Kliewer has earned certifications and credentials that are required to be explained in further detail. Certified Financial Planner (CFP®) Certified Financial Planners are licensed by the CFP Board to use the CFP mark. CFP® certification requirements:  Bachelor’s degree from an accredited college or university.  Completion of the financial planning education requirements set by the CFP Board.  Successful completion of the 10-hour CFP® Certification Exam.  Three-year qualifying full-time work experience.  Successfully pass the Candidate Fitness Standards and background check. Business Experience: 3/2017 through present, SJHL Financial Services, LLC, Chief Compliance Officer, Investment Adviser Representative 10/2015 through 3/2017, Swindoll, Janzen, Hawk &Lloyd, LLC, Financial Planner 11/2015 through 03/2018, Wealth Management LLC, Investment Adviser Representative 5/2010-10/2015, Home State Bank, Financial Planner 9/2009-5/2010, BNC National Bank, Mortgage Loan Originator Item 3 – Disciplinary Information Timothy Kliewer has no legal or disciplinary events to report. Item 4 – Other Business Activities Timothy Kliewer is a licensed insurance agent. Approximately 5% of Mr. Kliewer’s time is spent on this practice. From time to time, he will offer clients insurance products and/or services. This presents a conflict of interest because he has an incentive to recommend products and services based on the commission and/or fee amount received. This conflict is mitigated by the fact that Mr. Kliewer has a fiduciary responsibility to place the interest of the client first and the clients are not required to purchase any products or services from him. Clients have the option to purchase these products or services at a higher or lesser cost through another insurance agent. Item 5 – Additional Compensation In his capacity as a licensed insurance agent, Timothy Kliewer may receive a commission if a client purchases insurance products or services, which may be in addition to his customary advisory fees. Item 6 – Supervision Timothy Kliewer is the Chief Compliance Officer of SJHL Financial Group. He is responsible for developing, overseeing, and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. 15  Form ADV Part 2B – Brochure Supplement Richard Allen Sahatjian CRD# 4187279 SJHL Financial Group 220 W. Douglas, Suite 300 Wichita, KS 67202 (620) 241-1826 June 24, 2026 This brochure supplement provides information about SJHL Financial Group personnel that supplements SJHL Financial Group’s brochure. You should have received a copy of SJHL Financial Group’s Brochure. Please contact Tim Kliewer at (620) 241-1826, or by email at: tkliewer@sjhl.com if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about SJHL Financial Group’s personnel is available on the SEC's website at www.adviserinfo.sec.gov. 16  Richard A. Sahatjian born in 1964 Item 2 – Educational Background and Business Experience Education Wichita State University, MBA, May 2006 Rutgers University, BS Mechanical Engineering, May 1987 Business Experience 12/2023 through present, SJHL Financial Services, LLC, Investment Adviser Representative 07/2021 – 01/2024, Swindoll, Janzen, Hawk & Loyd, Senior Business Coach 02/2018 – 02/2020, Industrial Metal Fabrication, General Manager 07/2011 – 12/2017, Textron Aviation / Beechcraft Defense Company, Senior Manager Item 3 – Disciplinary Information Richard Sahatjian has no legal or disciplinary events to report. Item 4 – Other Business Activities Richard Sahatjian has no other business activities to report. Item 5 – Additional Compensation Richard Sahatjian does not receive additional compensation or any economic benefit for providing investment services or products. Item 6 – Supervision Timothy Kliewer is the Chief Compliance Officer of SJHL Financial Group. He is responsible for developing, overseeing, and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and of Mr. Sahatjian as an investment adviser representative. 17  Form ADV Part 2B – Brochure Supplement Roger C. Nagel, CPA, PFS™, CMA, CGMA CRD# 6998709 SJHL Financial Group 2240 Grande Blvd., SE, Suite 103 Rio Rancho, NM 87124 (505) 898-2558 June 24, 2026 This brochure supplement provides information about SJHL Financial Group personnel that supplements SJHL Financial Group’s brochure. You should have received a copy of SJHL Financial Group’s Brochure. Please contact Tim Kliewer at (620) 241-1826, or by email at: tkliewer@sjhl.com if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about SJHL Financial Group’s personnel is available on the SEC's website at www.adviserinfo.sec.gov. 18  Roger C. Nagel, CPA, PFS™, CMA, CGMA born in 1957 Item 2 – Educational Background and Business Experience Education Wichita State University, Bachelor of Business Administration in Accounting Professional Certifications Roger Nagel has earned certifications and credentials that are required to be explained in further detail. Certified Public Accountant (CPA) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience, and testing requirements for licensure as a CPA generally include: Successful passage of the Uniform CPA examination  Minimum college education  Minimum experience levels  Additionally, all American Institute of Certified Public Accountants (AICPA) members are required to follow a Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (an obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. Personal Financial Specialist (PFS™) The American Institute of CPAs (AICPA) established the Personal Financial Specialist (PFS™) credential for CPAs who specialize in various areas of financial planning. To receive the credential, CPAs must pass the exam requirement that covers all the planning process and professional responsibilities and disciplines that make up personal financial planning, including tax, estate, retirement, investments, and insurance planning as well as a few niche areas like employee benefits, education, and elder planning. Initial Certification Requirements:  Regular AICPA membership in good standing  Valid, unrevoked CPA permit, license or certificate issued by a legally constituted state authority, and which is in active status Payment of PFS application fee.  Completed PFS application indicating fulfillment of all requirements; and  PFS Recertification Requirements: To maintain an active CPA/PFS credential, credential holders must pay an annual renewal fee and meet the following CPA/PFS recertification requirements annually: 1. Regular AICPA membership in good standing 2. Valid and unrevoked CPA permit, license or certificate issued by a legally constituted state authority, and which is in active status 3. Complete 20 hours of continuing professional development within the credential body of knowledge annually; and 4. Payment of the current year’s credential fees includes attestation to comply with all recertification requirements. 19  Additional information about the PFS™ credential can be found at https://www.aicpa.org. Certified Management Accountant (CMA) IMA's CMA (Certified Management Accountant) certification is a professional certification credential in the management accounting and financial management fields. The certification signifies that the person possesses knowledge in the areas of financial planning, analysis, control, decision support, and professional ethics. The CMA is a U.S.-based, globally recognized certification offered by the Institute of Management Accountants. Chartered Global Management Accountant (CGMA) The Chartered Global Management Accountant distinguishes professionals who have advanced proficiency in finance, operations, strategy and management. Chartered Global Management Accountant, a proprietary designation for management accountants, is powered by two accounting bodies, and advances the global discipline of management accounting. The Chartered Global Management Accountant demonstrates management accounting expertise, determination and commitment to achieving sustainable business success. The issuing body is a joint venture owned by the American Institute of Certified Public Accountants (AICPA) and the Chartered Institute of Management Accountants (CIMA). Business Experience 05/2025 through present, SJHL Financial Services, LLC, Investment Adviser Representative 11/2024 through present, Swindoll, Janzen, Hawk & Lloyd, LLC, CPA 05/2018 – 11/2024, Archer Investment Corporation, Investment Adviser Representative 08/2007 – 11-2024. Nagel CPAs, LLC, Owner and Managing Director Item 3 – Disciplinary Information Roger Nagel has no legal or disciplinary events to report. Item 4 – Other Business Activities Roger Nagel is a CPA with Swindoll, Janzen, Hawk, & Loyd, LLC. As such, Mr. Nagel is responsible for providing tax advice and accounting services to clients of the CPA firm. Item 5 – Additional Compensation Mr. Nagel receives compensation for his work as a CPA with Swindoll, Janzen, Hawk & Loyd, LLC as noted in Item 4 above, which is separate and distinct from his compensation as a financial planner and investment adviser representative with SJHL Financial Group. Mr. Nagel can receive additional compensation for clients that he refers to SJHL Financial Group for advisory services in instances where he is not the investment adviser representative managing or advising on the account. Item 6 – Supervision Timothy Kliewer is the Chief Compliance Officer of SJHL Financial Group. He is responsible for developing, overseeing, and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and of Mr. Nagel as an investment adviser representative. 20  Form ADV Part 2B – Brochure Supplement Matthew R. Kindley CRD# 7723414 SJHL Financial Group 2240 Grande Blvd., SE, Suite 103 Rio Rancho, NM 87124 (505) 898-2558 June 24, 2026 This brochure supplement provides information about SJHL Financial Group personnel that supplements SJHL Financial Group’s brochure. You should have received a copy of SJHL Financial Group’s Brochure. Please contact Tim Kliewer at (620) 241-1826, or by email at: tkliewer@sjhl.com if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about SJHL Financial Group’s personnel is available on the SEC's website at www.adviserinfo.sec.gov. 21  Matthew R. Kindley born in 2003 Item 2 – Educational Background and Business Experience Education Bachelor’s degree with double major in Finance and Accounting, Cornerstone University, May 2025 Business Experience 06/2025 through present, SJHL Financial Services, LLC, Investment Adviser Representative Item 3 – Disciplinary Information Matthew Kindley has no legal or disciplinary events to report. Item 4 – Other Business Activities Matthew Kindley has no other business activities to report. Item 5 – Additional Compensation Matthew Kindley does not receive additional compensation or any economic benefit for providing investment services or products. Item 6 – Supervision Timothy Kliewer is the Chief Compliance Officer of SJHL Financial Group. He is responsible for developing, overseeing, and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and of Mr. Kindley as an investment adviser representative. 22  Form ADV Part 2B – Brochure Supplement Christopher M. Strathman CRD# 8145637 SJHL Financial Group 123 South Main Street McPherson, KS 67460 (620) 241-1826 June 24, 2026 This brochure supplement provides information about SJHL Financial Group personnel that supplements SJHL Financial Group’s brochure. You should have received a copy of SJHL Financial Group’s Brochure. Please contact Tim Kliewer at (620) 241-1826, or by email at: tkliewer@sjhl.com if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about SJHL Financial Group’s personnel is available on the SEC's website at www.adviserinfo.sec.gov. 23  Christopher M. Strathman born in 1973 Item 2 – Educational Background and Business Experience Education Post Masters Program in USD 418 McPherson, May 2015 Wichita State University, Master’s Degree in Curriculum and Instruction, May 2003 Tabor College, bachelor’s degree in business education, May 1995 Business Experience 05/2025 through present, SJHL Financial Services, LLC, Investment Adviser Representative (as of 04/2026) Fall 1995 – Present, McPherson USD 418, Business Teacher Summer 2025 & 2026 & beyond, Swindoll, Janzen, Hawk, & Loyd, LLC Summer 2023 & 2024, Loyd Group, LLC, Municipal Budgets Summer 2001 – 2008, Swindoll, Janzen, Hawk, & Loyd, LLC, Municipal Budgets Item 3 – Disciplinary Information Christopher Strathman has no legal or disciplinary events to report. Item 4 – Other Business Activities Christopher Strathman is a summer employee with Swindoll, Janzen, Hawk, & Loyd, LLC in addition to being a business teacher with McPherson USD 418 as noted in Item 2 above, both of which he is compensated for by the respective entities. These other business activities do not create a material conflict of interest with clients of SJHL Financial Group. Item 5 – Additional Compensation Christopher Strathman does not receive additional compensation or any economic benefit for providing investment services or products. Item 6 – Supervision Timothy Kliewer is the Chief Compliance Officer of SJHL Financial Group. He is responsible for developing, overseeing, and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and of Mr. Strathman as an investment adviser representative. 24