Storms & Rowdon Financial Services, Inc.

Storms & Rowdon Financial Services, Inc. Form ADV Part 2A – Disclosure Brochure Effective: February 13, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Storms & Rowdon Financial Services, Inc. (“SRFS” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at 386-677-0191. SRFS is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about SRFS to assist you in determining whether to retain the Advisor. information about SRFS and its Advisory Persons is available on the SEC’s website at Additional www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 334690. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.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 SRFS. For convenience, the Advisor has combined these documents into a single disclosure document. SRFS 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. SRFS encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes There have not been any material changes made to this Disclosure Brochure since the initial filing and delivery to clients on February 10th, 2025. 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# 334690. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at 386-677-0191. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 2  Item 3 – Table of Contents Item 1 – Cover Page ................................................................................................................................................ 1 Item 2 – Material Changes ...................................................................................................................................... 2 Item 3 – Table of Contents ..................................................................................................................................... 3 Item 4 – Advisory Services .................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered ............................................................................................................................................. 4 C. Client Account Management.......................................................................................................................................... 5 D. Wrap Fee Programs ...................................................................................................................................................... 6 E. Assets Under Management ........................................................................................................................................... 6 As of December 31, 2025, SRFS manages $141,159,549 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. ............................................. 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 ........................................................................................................................ 11 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 11 A. Code of Ethics ............................................................................................................................................................. 11 B. Personal Trading with Material Interest ....................................................................................................................... 11 C. Personal Trading in Same Securities as Clients .......................................................................................................... 11 D. Personal Trading at Same Time as Client ................................................................................................................... 11 Item 12 – Brokerage Practices ............................................................................................................................. 12 A. Recommendation of Custodian[s] ................................................................................................................................ 12 B. Aggregating and Allocating Trades .............................................................................................................................. 12 Item 13 – Review of Accounts ............................................................................................................................. 13 A. Frequency of Reviews ................................................................................................................................................. 13 B. Causes for Reviews ..................................................................................................................................................... 13 C. Review Reports ........................................................................................................................................................... 13 Item 14 – Client Referrals and Other Compensation ......................................................................................... 13 A. Compensation Received by SRFS .............................................................................................................................. 13 B. Compensation for Client Referrals ............................................................................................................................... 13 Item 15 – Custody ................................................................................................................................................. 14 Item 16 – Investment Discretion .......................................................................................................................... 14 Item 17 – Voting Client Securities ....................................................................................................................... 14 Item 18 – Financial Information ........................................................................................................................... 14 Form ADV Part 2B – Brochure Supplements ..................................................................................................... 15 Item 2 – Educational Background and Business Experience .......................................................................... 19 Item 3 – Disciplinary Information ........................................................................................................................ 19 Item 4 – Other Business Activities ...................................................................................................................... 19 Item 5 – Additional Compensation ...................................................................................................................... 19 Item 6 – Supervision ............................................................................................................................................. 19 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 20 Privacy Policy ........................................................................................................................................................ 22 Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 3  Item 4 – Advisory Services A. Firm Information Storms & Rowdon Financial Services, Inc. (“SRFS” or the “Advisor”) is a registered investment advisor with the SEC. The Advisor is organized as a Limited Liability Company (LLC) under the laws of the State of Florida. SRFS was founded in March 2025 and is owned and operated by Wade Rowdon (President and Financial Advisor) and Keith Storms (Vice President, Chief Compliance Officer, and Financial Advisor). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by SRFS. B. Advisory Services Offered SRFS offers investment advisory services to individuals and high net worth individuals, businesses, pension and profit-sharing plans, and charitable organizations (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. SRFS'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 SRFS provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. SRFS works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. SRFS will then construct an investment portfolio, consisting of individual stocks, exchange-traded funds (“ETFs”), and bonds to achieve the Client’s investment goals. The Advisor will also utilize, when suitable, alternative investments, options contracts, structured products, and independent managers to meet the needs of its Clients. The Advisor will 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. SRFS’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. SRFS 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. SRFS evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. SRFS will recommend, on occasion, redistributing investment allocations to diversify the portfolio. When appropriate, SRFS will recommend specific positions to increase sector or asset class weightings. The Advisor will recommend employing cash positions as a possible hedge against market movement. SRFS will 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 SRFS 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 Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 4  recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Use of Independent Managers SRFS 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. In such instances, the Client will be required to authorize and enter into an investment management agreement with an Independent Manager that defines the terms in which the Independent Manager will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning Services SRFS will typically provide a variety of financial planning and consulting services to Clients, pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting will 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. the Client start or revise their 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, when appropriate, recommendations will be made investment programs, that commence or alter retirement savings, establish education savings and/or charitable giving programs. SRFS will 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 SRFS 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. Offered services include: • Establishing an Investment Strategy – SRFS, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 5  • Portfolio Construction – SRFS will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – SRFS will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs SRFS does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by SRFS. E. Assets Under Management As of December 31, 2025, SRFS manages $141,159,549 in Client assets, all of which are managed on a discretionary basis. Clients can request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Investment advisory fees are based on the following schedule: Annual Rate (%) Assets Under Management ($) Up to $5,000,000 $5,000,001 to $10,000,000 $10,000,001 to $15,000,000 Over $15,000,000 1.00% 0.85% 0.65% Negotiable The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by SRFS will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. 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 are payable 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 will 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. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 6  Financial Planning Services SRFS offers financial planning services either on an hourly basis or a fixed engagement fee. Hourly fees range from $200 to $300 per hour. Fixed fees are negotiated based on the expected number of hours to complete the engagement at the Advisor’s hourly rate. 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 hours and/or total costs will be provided to the Client prior to engaging for these services. 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 4) to the total assets under management with SRFS 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 SRFS 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 Advisor and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account[s]. Financial Planning Services Financial planning fees will be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s]. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than SRFS, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. The fees charged by SRFS are separate and distinct from these custody and execution fees. In addition, all fees paid to SRFS 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 can invest in these products directly, without the services of SRFS, but would not receive the services provided by SRFS 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 SRFS 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 SRFS will be compensated for its investment management services in advance of the quarter in which services are rendered. Either party can terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client can 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 Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 7  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. Use of Independent Managers In the event that a Client should wish to terminate their relationship with the Independent Manager, the terms for the termination will be set forth in the respective agreements between the Client and that Independent Manager. SRFS will assist the Client with the termination and transition as appropriate. Financial Planning Services SRFS requires an advance deposit as described above. Either party can terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client can 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 Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engagement, the percentage of the engagement scope completed by the Advisor. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination to the end of the quarter. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities SRFS 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. Insurance Agency Affiliation Certain Advisory Persons are licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person, earns commission-based compensation for selling insurance products, including insurance products offered to Clients. Insurance commissions earned by the Advisory Person are separate and in addition to investment advisory fees. This practice presents a conflict of interest as an Advisory Person who is also an insurance professional will have an incentive to recommend insurance products to the Client for the purpose of generating commissions rather than solely based on the Client’s needs. Clients are under no obligation, contractual or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 below. Item 6 – Performance-Based Fees and Side-By-Side Management SRFS does not charge performance-based fees for its investment advisory services. The fees charged by SRFS are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. SRFS 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 SRFS offers investment advisory services to individuals, high net worth individuals, businesses, pension and profit- sharing plans, and charitable organizations. SRFS generally does not impose a minimum relationship size. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis SRFS employs fundamental, technical, and charting analysis methods in developing investment strategies for its Clients. Research and analysis from SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 8  Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that 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. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis involves the use of charts to identify market patterns and trends, which are based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends doesn't guarantee such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that SRFS will be able to accurately predict such a reoccurrence. Charting analysis utilizes various market indicators as investment selection criteria. These criteria are generally pricing trends that indicate movement in the markets. 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 technical and charting analysis may lose value and may have negative investment performance. The Advisor monitors these market indicators to determine if adjustments to strategic allocations are appropriate. As noted above, SRFS generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. SRFS 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, SRFS will 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. SRFS 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: Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 9  Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that there is no readily available market for sale of the bond. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that carry higher risks. Client should only have a portion of their assets in these investments. Structured Products Structured products are securities derived from another asset, such as a security or a basket of securities, an index, a commodity, a debt issuance, or a foreign currency. Structured products frequently limit the upside participation in the reference asset. Structured products are senior unsecured debt of the issuing bank and subject to the credit risk associated with that issuer. This credit risk exists whether or not the investment held in the account offers principal protection. The creditworthiness of the issuer does not affect or enhance the likely performance of the investment other than the ability of the issuer to meet its obligations. Any payments due at maturity are dependent on the issuer’s ability to pay. In addition, the trading price of the security in the secondary market, if there is one, can be adversely impacted if the issuer’s credit rating is downgraded. Some structured products offer full protection of the principal invested, others offer only partial or no protection. Investors may be sacrificing a higher yield to obtain the principal guarantee. In addition, the principal guarantee relates to nominal principal and does not offer inflation protection. An investor in a structured product never has a claim on the underlying investment, whether a security, zero coupon bond, or option. Structured products may have little or no secondary market for the securities and information regarding independent market pricing for the securities can be limited. This is true even if the product has a ticker symbol or has been approved for listing on an exchange. Tax treatment of structured products may be different from other investments held in the account (e.g., income taxed as ordinary income even though payment is not received until maturity). Structured CDs that are insured by the FDIC are subject to applicable FDIC limits. 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 10  Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving SRFS or its management persons. SRFS 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# 334690. Item 10 – Other Financial Industry Activities and Affiliations Insurance Agency Affiliation As noted in Item 5, certain Advisory Persons are licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with the Advisor. As an insurance professional, the Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset investment advisory fees. This presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisor or Advisory Persons. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics SRFS 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 SRFS (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. SRFS and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of SRFS’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 386-677-0191. B. Personal Trading with Material Interest SRFS allows Supervised Persons to purchase or sell the same securities that are recommended to and purchased on behalf of Clients. SRFS does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. SRFS does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients SRFS allows Supervised Persons to purchase or sell the same securities that are 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 SRFS requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. 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 SRFS allows Supervised Persons to purchase or sell the same securities that are recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterwards. At no time will SRFS, or any Supervised Person of SRFS, transact in any security to the detriment of any Client. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 11  Item 12 – Brokerage Practices A. Recommendation of Custodian[s] SRFS 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 SRFS to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, SRFS does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where SRFS does not exercise discretion over the selection of the Custodian, it will recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended by the Advisor and will not incur any extra fee or cost associated with using a custodian not recommended by SRFS. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. SRFS will 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. The Advisor will generally recommend that Clients establish their account[s] at Raymond James & Associates, Inc. (“Raymond James”). Raymond James is a FINRA-registered broker-dealer and New York Stock Exchange/SIPC member. Raymond James will serve as the Client’s “qualified custodian”. The Advisor maintains institutional relationships with Raymond James, whereby the Advisor receives economic benefits from the Custodian. 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. SRFS 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 - SRFS does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where SRFS 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]). SRFS 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. SRFS will execute its transactions through the Custodian as authorized by the Client. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 12  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Keith Storms, Chief Compliance Officer of SRFS. 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 are 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 SRFS if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews can 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 can also establish electronic access to the Custodian’s website so that the Client can 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 SRFS SRFS is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. SRFS does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. When appropriate, SRFS will 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, SRFS may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform As noted in item 12, the Advisor has established an institutional relationship with Raymond James to assist the Advisor in managing Client account[s]. As part of the arrangement, Raymond James makes available to the Advisor, certain research and brokerage services, including research services obtained by Raymond James directly from independent research companies. The Advisor may also receive additional services and support from Raymond James. The Advisor has an incentive to continue to use or expand the use of Raymond James's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Raymond James and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support because the Advisor renders investment management services to Clients that maintain assets at Raymond James. The software and related systems support benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 13  Item 15 – Custody The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. If the Client gives the Advisor authority to move money from one account to a third-party account, the Advisor will be considered to have custody of those assets. In order to avoid additional regulatory requirements, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. Item 16 – Investment Discretion SRFS 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 will be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by SRFS. 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 SRFS will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities SRFS 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 SRFS, nor its management, have any adverse financial situations that would reasonably impair the ability of SRFS to meet all obligations to its Clients. Neither SRFS, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 14  Form ADV Part 2B – Brochure Supplements for Wade L. Rowdon President and Financial Advisor Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Wade L. Rowdon (CRD# 3215621) in addition to the information contained in the Storms & Rowdon Financial Services, Inc. (“SRFS” or the “Advisor”, CRD# 334690) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the SRFS Disclosure Brochure or this Brochure Supplement, please contact us at 386-677-0191. Additional information about Mr. Rowdon 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# 3215621. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 15  Item 2 – Educational Background and Business Experience Wade L. Rowdon, born in 1960, is dedicated to advising Clients of SRFS as the President and a Financial Advisor. Mr. Rowdon attended Stetson University in 1981. Additional information regarding Mr. Rowdon’s employment history is included below. Employment History: President and Financial Advisor, Storms & Rowdon Financial Services, Inc. Investment Advisor Representative, StoneX Advisors Inc. Registered Representative, StoneX Securities Inc. 03/2025 to Present 06/2016 to 03/2025 03/2015 to 03/2025 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Rowdon. Mr. Rowdon 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. Rowdon. 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. Rowdon. However, we do encourage you to independently view the background of Mr. Rowdon on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3215621. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Rowdon is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Rowdon’s role with SRFS. As an insurance professional, Mr. Rowdon will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Rowdon is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Rowdon or the Advisor. Mr. Rowdon spends approximately 10% of his time per month in this capacity. Baseball Chapel Mr. Rowdon is also a Chaplain. In this capacity, Mr. Rowdon provides chapel services for the Daytona Tortugas, a minor league baseball team. Mr. Rowdon is not compensated for these services, and spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Rowdon has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Rowdon serves as the President and as a Financial Advisor of SRFS and is supervised by Keith Storms, the Chief Compliance Officer. Mr. Storms can be reached at 386-677-0191. SRFS has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of SRFS. Further, SRFS is subject to regulatory oversight by various agencies. These agencies require registration by SRFS and its Supervised Persons. As a registered entity, SRFS Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 16  is subject to examinations by regulators, which may be announced or unannounced. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 17  Form ADV Part 2B – Brochure Supplement for Keith J. Storms Vice President, Chief Compliance Officer, and Financial Advisor Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Keith J. Storms (CRD# 1482504) in addition to the information contained in the Storms & Rowdon Financial Services, Inc. (“SRFS” or the “Advisor”, CRD# 334690) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the SRFS Disclosure Brochure or this Brochure Supplement, please contact us at 386-677-0191. Additional information about Mr. Storms 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# 1482504. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 18  Item 2 – Educational Background and Business Experience Keith J. Storms, born in 1958, is dedicated to advising Clients of SRFS as the Vice President, Chief Compliance Officer, and a Financial Advisor. Mr. Storms earned his BA in Business from Furman University in 1980. Additional information regarding Mr. Storms’ employment history is included below. Employment History: 03/2025 to Present Vice President, Chief Compliance Officer, and Financial Advisor, Storms & Rowdon Financial Services, Inc. Investment Advisor Representative, StoneX Advisors Inc. Registered Representative, StoneX Securities Inc. 06/2016 to 03/2025 10/2011 to 03/2025 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Storms. Mr. Storms 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. Storms. 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. Storms. However, we do encourage you to independently view the background of Mr. Storms on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1482504. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Storms is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Storms’s role with SRFS. As an insurance professional, Mr. Storms will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Storms is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Storms or the Advisor. Mr. Storms spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Storms has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Storms serves as the Vice President, Chief Compliance Officer, and a Financial Advisor of SRFS. Mr. Storms can be reached at 386-677-0191. SRFS has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of SRFS. Further, SRFS is subject to regulatory oversight by various agencies. These agencies require registration by SRFS and its Supervised Persons. As a registered entity, SRFS is subject to examinations by regulators, which may be announced or unannounced. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 19  Form ADV Part 2B – Brochure Supplement for Robert G. Hallock Financial Assistant Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Robert G. Hallock (CRD# 8173164) in addition to the information contained in the Storms & Rowdon Financial Services, Inc. (“SRFS” or the “Advisor”, CRD# 334690) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the SRFS Disclosure Brochure or this Brochure Supplement, please contact us at 386-677-0191. Additional information about Mr. Hallock 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# 8173164. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 20  Item 2 – Educational Background and Business Experience Robert G. Hallock, born in 1985, is dedicated to advising Clients of SRFS as a Financial Assistant. Mr. Hallock earned an M.A. in Educational Leadership from the American College of Education in 2013. Mr. Hallock also earned a B.A. in Social Science Education from the University of Central Florida in 2009. Additional information regarding Mr. Hallock’s employment history is included below. Employment History: Financial Assistant, Storms & Rowdon Financial Services, Inc. Assistant Principal, Flagler County Schools Campus Staff Minister, InterVarsity Christian Fellowship/USA Office Administrator / Missions Director, Crossroads Church 07/2025 to Present 07/2022 to 06/2025 01/2018 to 05/2022 07/2015 to 01/2018 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Hallock. Mr. Hallock 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. Hallock. 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. Hallock. However, we do encourage you to independently view the background of Mr. Hallock on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8173164. Item 4 – Other Business Activities Mr. Hallock is dedicated to the investment advisory activities of SRFS’s Clients. Mr. Hallock does not have any other business activities. Item 5 – Additional Compensation Mr. Hallock is dedicated to the investment advisory activities of SRFS’s Clients. Mr. Hallock does not receive any additional forms of compensation. Item 6 – Supervision Mr. Hallock serves as a Financial Assistant of SRFS and is supervised by Keith Storms, the Chief Compliance Officer. Mr. Storms can be reached at 386-677-0191. SRFS has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of SRFS. Further, SRFS is subject to regulatory oversight by various agencies. These agencies require registration by SRFS and its Supervised Persons. As a registered entity, SRFS is subject to examinations by regulators, which may be announced or unannounced. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 21  Privacy Policy Effective: February 13, 2026 Our Commitment to You Storms & Rowdon Financial Services, Inc. (“SRFS” 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. SRFS (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. SRFS 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. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 22  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 to: processing Servicing our Clients We will 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 transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Yes Yes Marketing Purposes SRFS 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 SRFS or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. No Not Shared Information About Former Clients SRFS 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 386-677-0191. Storms & Rowdon Financial Services, Inc. 1230 U.S. Highway 1, Ste. 5, Ormond Beach, FL 32174 Phone: 386-677-0191 * Fax: 386-677-0172 http://www.stormsandrowdon.com/ Page 23