THE STRATEGIC FINANCIAL ALLIANCE

Form ADV Part 2A: Appendix 1 The Strategic Choice Program Wrap Fee Brochure This wrap fee brochure provides information about the qualifications and business practices of The Strategic Financial Alliance, Inc. (“SFA”). If you have any questions about the contents of this Brochure, please contact us at (678) 954-4000. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. SFA is a Registered Investment Adviser. Registration of an Investment Adviser does not imply any level of skill or training. Additional information about SFA (CRD #126514) is available on the SEC’s website at www.adviserinfo.sec.gov. 2200 Century Parkway, Suite 500 Atlanta, Georgia 30345 (678) 954-4000 www.thesfa.net March 31, 2026 i  ITEM 2 – MATERIAL CHANGES The Strategic Financial Alliance, Inc. (“SFA”) published its annual update of Part 2A Disclosure Brochure and Part 2A Appendix 1 Strategic Choice Program Wrap Brochure (collectively, “Brochure”) on March 31, 2026. There have been no material changes since the 2026 filing. Annual Update We will provide you a Summary of Material Changes to this and subsequent Brochures within 120 days of the close of our business fiscal year (December 31). We may provide other ongoing disclosure information about material changes as necessary. Brochure Availability We will provide our most current Brochure upon request at any time, without charge. Our Brochure may be requested by contacting our Chief Compliance Officer at 678.954. 4000. Our Brochure is also available on our website at www.thesfa.net. Additional information about SFA (CRD #126514) and its Advisory Representatives is available on the SEC’s web site at www.adviserinfo.sec.gov. ii  ITEM 3 – TABLE OF CONTENTS ITEM 1 – COVER PAGE ............................................................................................................. i ITEM 2 – MATERIAL CHANGES ................................................................................................. ii ITEM 3 – TABLE OF CONTENTS ............................................................................................. iii ITEM 4 – SERVICES, FEES AND COMPENSATION.................................................................. 1 PROGRAM DESCRIPTION ..................................................................................................... 1 FEES, BILLING AND COMPENSATION ................................................................................. 2 NEGOTIATION OF FEES AND COMPENSATION .................................................................. 7 OPTIONAL LIMITED TRADING AUTHORIZATION/DISCRETION .......................................... 8 TERMINATION ........................................................................................................................ 8 ITEM 5 – ACCOUNT REQUIREMENTS AND TYPES OF CLIENTS ........................................... 9 ITEM 6 – PORTFOLIO MANAGER SELECTION AND EVALUATION ....................................... 10 CLIENT TAILORED SERVICES AND CLIENT IMPOSED RESTRICTIONS .......................... 10 WRAP FEE PROGRAMS ...................................................................................................... 11 OTHER ADVISORY SERVICES ............................................................................................ 11 PERFORMANCE BASED FEES AND SIDE BY SIDE MANAGEMENT ................................. 11 METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS .................. 11 VOTING CLIENT SECURITIES ............................................................................................. 15 ITEM 7 – CLIENT INFORMATION PROVIDED TO PORTFOLIO MANAGERS ......................... 15 ITEM 8 – CLIENT CONTACT WITH PORTFOLIO MANAGERS ................................................ 16 ITEM 9 – ADDITIONAL INFORMATION .................................................................................... 16 DISCIPLINARY ACTION ....................................................................................................... 16 OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS ...................................... 16 CODE OF ETHICS ................................................................................................................ 18 REVIEW OF ACCOUNTS ...................................................................................................... 18 CLIENT REFERRALS AND OTHER COMPENSATION ........................................................ 19 FINANCIAL INFORMATION .................................................................................................. 21 iii  ITEM 4 – SERVICES, FEES AND COMPENSATION The Strategic Financial Alliance, Inc. (“SFA”) is a registered broker-dealer with Financial Industry Regulatory Authority (“FINRA”) and is also an Investment Adviser registered with the Securities and Exchange Commission (“SEC”). SFA is an Atlanta-based, Georgia corporation, formed in 2003, and a wholly owned subsidiary of SFA Holdings, Inc. Clive Slovin is the President and CEO. SFA has worked to build a strong reputation within the Financial Services Industry through its independent model and commitment to service. Through its network of independent Advisory Representatives, SFA offers a range of advisory services. As of December 31, 2025, SFA managed assets valued at approximately $382 million, of which approximately $27 million were managed on a discretionary basis and $355 million were managed on a non-discretionary basis. Additionally, as of December 31, 2025 SFA had approximately $71 million in assets under advisement, which represents the assets referred by SFA to third-party asset managers as described on Page 3 under “Third Party Asset Managers.” SFA offers portfolio management through its Strategic Choice Program (“the program” or “Strategic Choice”). Working with our Advisory Representatives, Strategic Choice offers clients a personalized approach to implementing an individualized investment strategy designed to offer a diversified, long-term approach to meeting personal investment goals. PROGRAM DESCRIPTION The program is designed to offer a diversified, long-term approach to help meet personal investment goals and objectives through asset allocation, portfolio design, portfolio monitoring, consolidated reporting, and individualized portfolio management. It allows you to invest in no- load or load-waived mutual funds, variable products, stocks, bonds, commercial paper, money market shares, CDs and exchange traded funds, according to your needs, goals, objectives and preferences. For certain clients, illiquid alternative investments (“Alternatives”), such as interval funds, non-traded REITs or private placements could be recommended. Permissible Alternatives are approved products of SFA whose valuations are provided directly to the custodian by the issuer or other bona fide third-party source. Alternatives also require delivery of separate offering documents, executed subscription agreements and additional disclosures. This program is available to individual clients, high net worth individuals, pension and profit- sharing plans, corporations, trusts, estates, charitable organizations, and other business entities. 1 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  Before participating in the program, your Advisory Representative will consult with you to help determine your financial profile including investment history, goals and objectives, risk tolerance, and special interests or concerns. Based on this consultation, the Client Profile, Client Account Form, and other account opening documents, your Advisory Representative will work with you to design a portfolio intended to meet your goals as you have defined them. Your Advisory Representative will assist you in establishing a brokerage account with Pershing LLC, which will provide clearing and custody for your account(s). Your Advisory Representative will review the strategy periodically, and will recommend, at his or her discretion, changes in the asset allocation among securities based on such factors as, for example, market conditions and/or changes in your circumstances. It is important that you contact your Advisory Representative if your financial situation or objectives change. FEES, BILLING AND COMPENSATION The SFA program is offered in two fee structures, an All-Inclusive Account (“Wrap Fee”) in which you pay an asset-based fee (“Advisory Fee”) and, non-transaction related fees such as stock reorganization fees, maintenance fees, etc. ; and, a Non-Inclusive Account (“Non-Wrap Fee”) in which you pay transaction costs as well as the Advisory Fee. Fees are negotiable and are fully described in the Strategic Choice Agreement (“Agreement”). You will be charged advisory fees based on an annualized percentage of the value of the assets in the Strategic Choice Account. The fee will be assessed and billed quarterly in advance. The fee for any given calendar quarter is debited by the custodian from your account at the beginning of the calendar quarter, based on the total portfolio value as of the last business day of the preceding calendar quarter as determined by the custodian. Your account statement will show the fee for that quarter and the value of the assets on which it was calculated. The first fee will be billed after execution of the Agreement and your Strategic Choice account is funded. The fee will be based upon the opening value of the account. If the account is funded at any time other than the first day of a calendar quarter, the payment will be prorated. Alternatively, you may elect to pay all advisory fees described above from a source other than your Strategic Choice account. Direct payments will be calculated in the same manner and billed on the same time frame. Such payments must be received by the 25th day after the beginning of the quarter. Payments will be deposited into your Strategic Choice account and then deducted so that the amount of the fee deduction will be reported on your quarterly statement, and your performance will be shown net of fees. If such funds are not deposited timely, SFA is expressly authorized, in its discretion, to liquidate securities in the Account in an amount sufficient to cover such fees. Any delinquent payments may result in the loss of all direct pay privileges and SFA may debit your Strategic Choice account for all future advisory fees. During a quarter, if you contribute additional funds of $10,000 or more to the account, or withdraw $10,000 or more, the Advisory Fee for that quarterly period will be recalculated. Any 2 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  resulting difference in the fee for that period will be added to or deducted from the Advisory Fee for the next billing period. We generally require that you authorize us in writing to direct your custodian to pay the Advisory Fee directly to us by charging your account. This authorization is set forth in the Agreement. The following are the maximum advisory fees applied to this program. STRATEGIC CHOICE - ALL INCLUSIVE PROGRAM Account Value Maximum Annual Advisory Fee* 2.25% 2.25% 2.00% 1.75% 1.50% 1.25% 1.00% First $250,000 Next $250,000 to $500,000 Next $500,000 to $1,000,000 Next $1,000,000 to $2,500,000 Next $ 2,500,000 to $5,000,000 Next $5,000,000 to $10,000,000 Above $10,000,000 *All fees are negotiable Transaction Charges No transaction charges are assessed for trades in these accounts, but certain nominal fees and charges beyond SFA’s control such as reorganization charges, termination fees, and postage and handling are assessed against the account. If you elect to include alternative investments in your account, the custodian will assess an annual fee of $50.00 for the purchase, redemption of registration of the security, in addition to a $35.00 per position for registered securities, or $125.00 for unregistered securities. STRATEGIC CHOICE – NON-INCLUSIVE PROGRAM Account Value Maximum Annual Advisory Fee* 2.00% 1.90% 1.75% 1.50% 1.25% 1.00% 0.75% First $250,000 Next $250,000 to $500,000 Next $500,000 to $1,000,000 Next $1,000,000 to $2,500,000 Next $2,500,000 to $5,000,000 Next $5,000,000 to $10,000,000 Over $10,000,000 *All fees are negotiable 3 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  Transaction Charges for Non-Inclusive Program In addition to the asset management fee listed above, $4.00 will be applied to each transaction in the non-inclusive program. If you elect to include alternative investments in your account, the custodian will assess a $50.00 fee for the purchase or redemption of a non-registered security, in addition to an annual fee of $35.00 per position, or $125.00, depending on the type of security. Additional information about Transaction Charges Transaction charges may be subject to change upon 30 days’ notice. Transaction charges for the Non-Inclusive Accounts may be assessed by the clearing firm or directly by the product sponsors as described in the prospectuses. Certain other miscellaneous charges may apply. The transaction costs listed above are maximum costs. SFA, as the broker/dealer, shares in the transaction fee, but no part of the transaction fee is shared with your Advisory Representative. Your Advisory Representative may choose to pay the transaction fees described above on your behalf from the advisory fees assessed on your account. Selected mutual funds are available through the custodian for no transaction fee (“NTF funds”) to you in the Non-Inclusive Program. When the Advisory Representative recommends or selects funds which are not on the NTF Fund list, you will pay transaction fees, the cost of which may reduce the performance of the portfolio. However, the internal expenses of NTF funds may be higher than those funds that are not on the NTF Fund list. All expenses associated with a fund are disclosed in the fund’s prospectus. The scheduled maximum fees for the All-Inclusive Program are higher than the Non-Inclusive Program because most or all transaction charges are included in the fee. In some cases, the wrap fee will cost you more than the aggregate cost of services if they were provided separately. In those cases, your Advisory Representatives could have a financial incentive to recommend the wrap fee program over other programs or services. Generally, wrap programs are relatively less expensive for actively traded accounts. However, they will result in higher overall costs to you in accounts that experience little trading activity. Your Advisory Representative will consider these costs when negotiating the Advisory Fee with you. Your Advisory Representative is obligated by your Agreement and SFA’s Code of Ethics to make recommendations based on your investment goals and objectives, without regard to the amount of his or her compensation. When deciding on whether to select an All-Inclusive or Non-Inclusive account, you should base your decision upon anticipated trading activity, the types of securities utilized in the account, and the value of the services that are provided to you. Please discuss the costs associated with your account with your Advisory Representative. 4 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  ILLIQUID ALTERNATIVE INVESTMENTS (“ALTERNATIVES”) Some Alternative products may not be available for purchase without a commission or sales charge. If you select to hold these Alternatives in your managed account, you will pay a sales commission, which will be paid to SFA as the broker/dealer. Or, SFA may be compensated by a portion of the advisory fee collected by the manager of the alternative investment in the form of a solicitor’s fee. A portion of this compensation will be shared with your Advisory Representative. If SFA receives a commission or solicitor’s fee, SFA will not charge an advisory fee on the value of the purchased asset. If the Alternative asset is purchased in an Advisor Share Class or at net asset value, and no commission is paid, the value of the asset will be included in the account value for billing purposes as long as the asset is supervised, or managed, as part of the account. SFA conducts due diligence on the alternative products it selects to make available for offer to its retail clients. Many alternative investment sponsors compensate SFA for its due diligence and marketing through a portion of the dealer manager fee. Payment of this fee to SFA does not increase the cost of the investment to the purchaser. No part of the due diligence and marketing fees are shared with your Advisory Representative. Alternative investments are not appropriate for all investors. Please review offering documents carefully for more complete information about the risks associated with a particular product. ADDITIONAL EXPENSES In addition to the Advisory Fee, your investment account may also be charged:  internal fees and expenses charged by mutual funds, ETFs and variable annuities; fees charged by third party money managers;   maintenance and termination fees for IRAs, certain retirement and qualified  accounts; and, taxes and other fees on brokerage accounts and securities transactions, as may be imposed or passed through by the custodian. Mutual fund companies, ETFs, and variable annuity issuers charge internal fees and expenses for their products. These fees and expenses are in addition to any advisory fees charged by us. Class B, C, and similar mutual fund shares, and variable products held in accounts may incur sales charges when sold or redeemed. Complete details of these internal fees and expenses are explained in the prospectuses for each investment. We encourage you to read these documents before making or authorizing any investments. Your Advisory Representative will be available to answer any questions you have about fees and expenses. SFA does not assess advisory fees on Class B or Class C share mutual funds held in Strategic Choice Accounts. As a registered representative, your Advisory Representative will share in the fees charged by the fund company for Class B as described in the fund prospectus. 5 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  SFA AND ADVISORY REPRESENTATIVE COMPENSATION The Advisory Representative managing your Strategic Choice account will receive a portion of the advisory fee paid to SFA as a result of your participation in the Program. Such portions range up to 92% of the advisory fees assessed by SFA on a Strategic Choice account. The amount of this compensation may be more or less than the amount the Advisory Representative would receive if you participated in other company programs or paid separately for investment advice, brokerage, and other services. Pershing, LLC, imposes an asset-based charge for administrative services such as reporting and billing. SFA shares in this fee for its administrative services. This charge is paid out of your Advisory Fee by the Advisory Representative. Transactions in Strategic Choice Program accounts incur a transaction fee, which is paid to SFA to offset the costs Pershing, LLC assesses to SFA. In the inclusive program, the transaction fee is paid by the respective Advisory Representative. In the non-inclusive program, the transaction fee is paid by the account owner and deducted from the account. SFA and its representatives consider costs, fees and your interests when recommending investments; however, you should consult mutual fund and variable product prospectuses for a complete description of underlying fees and compensation when considering the purchase of such products. Your Advisory Representative is available to answer any questions you may have about the fees and expenses associated with the products he or she recommends. You can purchase certain alternatives in the account. Alternatives will generally be purchased at Net Asset Value (“NAV”) or in a share class specifically designed for advisory accounts. However, if purchased at public offering price, SFA will receive a sales commission, a part of which will be paid to your Advisory Representative in his or her capacity as a registered representative. No advisory fees will be assessed on the value of alternative investment assets for which a commission has been paid to or a solicitor’s fee is earned by SFA. You can purchase shares of certain mutual funds directly from the issuer without a transaction fee. Mutual funds held in accounts at brokerage firms may charge internal fees that are different from mutual funds held directly at the mutual fund company. Those directly purchased mutual funds, however, will not be part of our advisory relationship with you. This means that they will not be included in our investment strategies, investment performance monitoring, or investment reallocations under this Agreement. Generally, only securities purchased without a sales commission through SFA or which were purchased through other firms may be billed in Strategic Choice accounts as part of the managed portfolio. 6 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  Other securities may be deposited into a Strategic Choice Account with the following limitations:  C-share mutual funds must be held one year or more before converting to a lower class share or, if converted prior to one-year, contingent deferred sales charges will be refunded by SFA to the account (C-shares are excluded from billing);  No advisory fees are assessed on other share class mutual funds purchased within the previous 24 months on which sales compensation was paid to SFA;  No advisory fees are assessed on variable insurance products purchased within the previous 24 months on which sales compensation was paid to SFA;  No advisory fees may be assessed on assets on which brokerage commissions were paid to SFA during the preceding 90 days; and.  No advisory fees may be assessed on alternative investments which are purchased in your managed account, or transferred into your account, for which a sales commission or solicitor’s fee is paid to SFA. Billable illiquid assets are limited to no more than 15% of the total portfolio. For determining the 15% threshold, a portfolio can include multiple accounts with the same ownership. Exceptions will only be made if there is a strong economic or practical reason for doing so, with the written authorization of the Chief Compliance Officer or the Chief Supervisory Officer. For these purposes, “sales compensation” does not include 12b-1 fees which are paid on certain mutual funds and variable annuity products, pursuant to the product prospectus. SFA refunds 12b-1 fees paid on A-share and C-share class assets held in a Program Account to the Program Account. Some third-party advisers, mutual fund companies, alternative product sponsors, insurance companies, and other product vendors pay directly or indirectly additional compensation to SFA. This additional compensation includes but is not limited to solicitor fees, marketing allowances, support for SFA conferences, meetings and/or functions. Certain companies also provide support for client appreciation events, software, training or other tools and services to facilitate SFA’s and its Advisory Representatives’ business. Advisory Representatives who recommend alternative or complex products conduct due diligence on such products. They will participate in due diligence meetings for certain products. The sponsor of such meetings will generally pay travel, lodging and food for advisory representatives to attend and be educated about their products. Attendance must be approved by SFA. The agenda, location and expenses must be reasonable. Expenses may not be paid for an advisory representative’s guest. NEGOTIATION OF FEES AND COMPENSATION Fees are negotiated on a case-by-case basis, depending on a variety of factors, including the nature and complexity of the particular service, your relationship with SFA and your Advisory Representative, the size of the Account, the potential for other business or clients, the amount 7 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  of work anticipated and the attention needed to manage your Account. Your Advisory Representative may negotiate fees that are higher or lower than those negotiated by other SFA Advisory Representatives for similar services. Please note that the same or similar services to those described above may be available through other providers at a lower cost. Fees may be negotiated but not waived for the All-Inclusive program, in which the transaction fees are included in the advisory fee. Accounts where fees are waived will be transferred to the Non- Inclusive program, in which the transaction fees are paid by the client and charged to the account separately from the advisory fee. OPTIONAL LIMITED TRADING AUTHORIZATION/DISCRETION You may choose to sign a limited trading authorization in order to facilitate management of portfolios consistent with your stated investment objectives. This limited authority gives investment discretion as to the selection of securities, number of shares to be bought or sold and the time of execution. Discretion may not be authorized in ERISA accounts (e.g., 401k, profit/pension accounts). Discretion applies only to the selection and amount of general securities, including stocks, bonds, commercial paper, money market shares and exchange traded funds; variable insurance sub- accounts; and, open-end and closed-end mutual funds bought and sold in your Account. Alternative Investments and variable annuity contracts may not be purchased on a discretionary basis. Discretion does not extend to deposits into or withdrawals from accounts. All Strategic Choice accounts are held at, and trades executed through, Pershing LLC. You must authorize discretion in writing, and you may withdraw the authorization, in writing, at any time. Advisory Representatives must receive the approval of SFA’s Chief Supervisory Officer or Chief Compliance Officer prior to offering discretionary portfolio management in Strategic Choice accounts. TERMINATION Both you and SFA have the right to terminate the Agreement and relationship at any time with or without cause. Termination is effective within 30 days of receipt of your notice to SFA, unless a later date is requested in your notice and agreed to by SFA. For your convenience, SFA will accept your request for termination by telephone. You may terminate your Agreement without penalty within five business days of executing the Advisory Agreement. If the Agreement is terminated before the end of a billing period (during a quarter), any unearned fees that were deducted from your account will be refunded to the account. The amount refunded to you is calculated by dividing the most recent advisory fee you paid by the total number of days in the quarter. This daily fee is then multiplied by the number of calendar days in the quarter that the Agreement was in effect. This amount, which equals the 8 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  amount we earned for the partial quarter, is subtracted from the total fee you paid in advance to determine your refund. If your Advisory Representative should terminate his or her association with SFA, and affiliate with another registered investment adviser, SFA will facilitate the transfer of your account to the new firm, if you agree. Otherwise, your account will not be managed as SFA will await your instructions regarding the transfer of your account, or your designation of a new SFA Advisory Representative. If you choose to terminate an Account within the first calendar year after the Account is opened, you will be assessed a fee (“Administrative Fee”) of $200 to defray initial account setup and administration costs, and such fee may be paid in the same manner as the Asset-Based Fee. SFA may waive the Administrative Fee in its sole discretion. You will be responsible for any transactions initiated prior to termination. Such redemption or liquidation may affect the asset allocation and/or market value of the Account and may also have tax consequences. In addition, early redemption fees or similar fees for mutual funds and other products may be applicable as described in the product’s prospectus or other offering documents. Certain assets that may be transferred or held in the Account may not be accepted by another custodian. SFA will use reasonable efforts to follow your instructions regarding the disposition of Account assets; however, assets that are not accepted by the receiving custodian may be required to be liquidated. ITEM 5 – ACCOUNT REQUIREMENTS AND TYPES OF CLIENTS SFA requires a minimum account size of $25,000 in supervised assets for Strategic Choice accounts. This minimum may be met by a single account or, at SFA’s discretion, by aggregating the assets within multiple accounts with the same ownership. This minimum account size serves as a guideline. SFA, at its sole discretion, may waive this minimum account requirement. Should the value of your Strategic Choice account (in aggregate with any related accounts considered in the $25,000 minimum) fall below the minimum requirement of $25,000 and remain 20% below the minimum (or below $20,000) for two consecutive quarters, then the advisory contract may be terminated and the assets transferred to a brokerage account held at the then current custodian so that you do not continue to incur the advisory fees. Please discuss this option with your Advisory Representative. SFA provides investment advisory services to individuals, high net-worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. 9 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  ITEM 6 – PORTFOLIO MANAGER SELECTION AND EVALUATION Your Advisory Representative is the sole portfolio manager available with respect to the Program. Please refer to your Advisory Representative’s Supplement to this Brochure for information about his or her education and business experience. Your Advisory Representative must be properly registered, have at least five years’ experience in the financial services industry (or equivalent experience as determined by SFA), and be approved by SFA’s Chief Supervisory Officer and/or Chief Compliance Officer, in addition to approval from the Advisory Representative’s Supervising Principal, as a portfolio manager in the Strategic Choice Program. When your Advisory Representative works with another Advisory Representative in partnership to manage your account, you will receive the Supplement for each Advisory Representative. Affiliated and unaffiliated service providers may develop asset allocation models. Your Advisory Representative may also develop asset allocation models or use others from outside independent sources. Each representative develops his or her own methods of analysis, sources of information, and investment strategies. As such, recommendations by representatives, individual investment portfolios, and performance will differ. Your Advisory Representative will manage accounts on an ongoing basis and will review accounts at least annually with you or more frequently upon your request. The purpose of the review is to review the portfolio and its performance; to discuss any changes in your financial profile and investment goals; and, to recommend changes if determined changes are warranted. You will receive monthly brokerage statements, except for months in which no account activity has occurred, and quarterly statements and performance reports. You may contact your Advisory Representative or the SFA home office at (678)954-4000 when you have questions or concerns about your account, financial situation, or investment needs. Please note that your Advisory Representative may not be readily available for unscheduled or unannounced visits or calls. CLIENT TAILORED SERVICES AND CLIENT IMPOSED RESTRICTIONS Your Advisory Representative develops and recommends a strategy based on the information you provide about your financial profile using his or her knowledge and experience. It is very important that you communicate changes in your information so your Advisory Representative can make recommendations and manage your account in a manner that is consistent with your financial profile, including your objectives, risk tolerance and time horizon. You can impose reasonable restrictions on the manner in which your account is managed, such as limiting investments in certain types of securities or asset classes, in accordance with your values, beliefs or preferences. 10 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  WRAP FEE PROGRAMS You may select the All-Inclusive Program (“wrap fee program”) in which the asset-based fee includes our advisory fee as well as transaction costs. Alternatively, you may select a program in which you pay transaction fees in addition to our asset-based advisory fee. You and your Advisory Representative, together, agree on the asset-based fee applied to the management of the account, based on the program’s published maximum fee schedule. We do not manage the All- Inclusive program accounts in a manner different from the Non-Inclusive Program accounts except, as mentioned above, the All-Inclusive Program is more suitable when the portfolio strategy includes more active trading. A portion of the Advisory Fee is allocated to the Administrative Fee, which covers administrative and supervisory services provided by SFA as well as custodial and program services provided by the custodian. The Administrative Fee is set on a sliding scale determined by the size of the assets in the account. SFA offers wrap fee programs sponsored by Lockwood Advisors, Inc., Orion Portfolio Solutions, LLC, and AssetMark, Inc.. OTHER ADVISORY SERVICES In addition to the investment management services through the Strategic Choice Program, SFA offers financial planning and investment consulting, as well as recommendations of and referral to third party asset managers. These services are described in SFA’s ADV Part 2A Disclosure Brochure. The Brochure is available upon request at no charge. PERFORMANCE BASED FEES AND SIDE BY SIDE MANAGEMENT SFA does not charge any performance-based fees (fees based on a share of capital gains or capital appreciation of the assets of a client). Certain third-party asset managers may assess a performance-based fee, which will be described in the respective manager’s disclosure brochure. In some cases, a portion of the performance fee may be shared with SFA and Advisory Representative(s) as a solicitor’s fee. Any such arrangement will be described to you in a written Solicitor’s Disclosure Statement. METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS SFA’s Representatives rely on various types of tools and methods to assist in recommending or selecting investment strategies to you, including asset allocation and various types of software. SFA’s methods of analysis include charting analysis, fundamental analysis, technical analysis, and cyclical analysis. The main sources of information used to formulate investment advice and/or manage assets includes financial newspapers and magazines, research materials prepared by others, corporate rating services, timing services, annual reports, prospectuses, fillings with the SEC, and company press releases. The investment strategies used to implement any investment advice given to clients can include long term purchases (securities 11 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  held at least a year), short term purchases (securities purchased and sold within a year), margin transactions, and covered option writing. Investment returns are highly dependent on the value of underlying securities which are impacted by trends in the various investment markets. We generally recommend stocks, bonds, ETFs, mutual funds and alternative investments. Investing in stocks involves the assumption of risk, including:  Financial Risk: the risk that the companies we recommend to you may perform poorly, which will affect the price of your investment.  Market Risk: risk that the Stock Market will decline, decreasing the value of the securities we recommend to you.  Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the stock.  Political and Governmental Risk: risk that the value of your investment may change with the introduction of new laws or regulations. Investing in bonds involves the assumption of risk, including:  Interest Rate Risk: the risk that the value of the bond investments we recommend to you will fall if interest rates rise.  Call Risk: risk that your bond investment will be called or purchased back from you when conditions are favorable to the bond issuer and unfavorable to you.  Default Risk: the risk that the bond issuer may be unable to pay you the contractual interest or principal on the bond in a timely manner or at all.  Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the bond. Investing in mutual funds involves the assumption of risk, including:  Manager Risk: the risk that an actively managed mutual fund’s investment adviser will fail to execute the fund’s stated investment strategy.  Market Risk: the risk that the Stock Market will decline, decreasing the value of the securities contained within the mutual funds we recommend to you.  Industry Risk: the risk that a group of stocks in a single industry will decline in price due to adverse developments in that industry, decreasing the value of mutual funds that are significantly invested in that industry.  Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the mutual fund. Investing in Exchange Traded Funds (“ETFs”) involves the assumption of risk, including:  The public trading price of a redeemable lot of the ETFs may be different from its net asset value. Declining stock prices can cause losses to your investment. 12 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)   Some leveraged and inverse ETFs and ETNs "reset" daily, meaning that they are designed to achieve their stated objectives on a daily basis. If held for a period longer than one day, their performance over the longer periods of time can differ significantly from the stated multiple of the performance (or the inverse of the performance) of their underlying index or benchmark during the same period of time. This effect can be magnified in volatile markets.  ETFs and ETNs linked to commodity futures do not offer direct exposure to the commodity’s spot price and may perform differently than the spot price for the commodity itself.  You should not assume that an ETF or ETN that is linked to commodity futures will provide an effective hedge because of a negative correlation with equities or other asset classes. Investing in Structured Products involves the assumption of risk, including:    If a principal protected structured note is guaranteed by the underwriting firm’s assets, then the guarantee is limited to the claims-paying ability of the underwriter. Investment in a Principal Protected Certificate of Deposit carrying FDIC insurance is subject to the limits of that insurance. Investment in a Principal Protected Structured Product may still result in substantial opportunity loss.  Buffered notes do not provide 100% principal protection. Buffered notes only provide limited downside protection against loss and only if the buffered note is held to maturity.  The gain on buffered notes may be subject to a cap so you may not participate in the full upside of the reference asset(s).  Buffered notes will trade, if at all, at a discount on the first day after purchase as a result of upfront fees paid in connection with your purchase.  Buffered notes lack liquidity. They are not listed on any securities exchange and you may not be able to sell your buffered note(s) prior to maturity.  Buffered notes do not pay dividends. The payment of a buffered note at maturity will reflect cumulative performance. If you require current income, you should not invest in a buffered note.  Buffered notes are not obligations of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency or program of the United States or any other jurisdiction.  Structured products are subject to loss of principal. Investing in Alternative Investments (“Alternatives”) involves the assumption of risk, including:  There may be no public market so these Alternatives could not be sold quickly or rebalanced.  The holding period will vary by product before a liquidation event is executed.  Many Alternatives are not registered with the SEC so do not afford the benefits of public disclosure and reporting. 13 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)   SFA will limit the percentage of Alternatives held in a managed account based on your liquidity needs, net worth, investment objectives, risk tolerance, and any state or regulatory limitations. Alternatives may not be purchased on a discretionary basis. When funds in your managed account are allocated to cash, the funds will earn interest in a cash account or money market fund through the account custodian:  Cash accounts are generally intended as a place to hold cash pending investment or for immediate cash needs, not solely for the purpose of receiving interest.  The interest rates will generally be less than the investment management fee when the cash allocation is included in your billable assets.  The custodian can earn income from holding client cash.  The custodian can earn fees from money markets for marketing, distribution and other services (see the money market prospectus).  As a result, the custodian and adviser will likely earn more on your cash assets than you When your custodian offers an FDIC-insured cash account, coverage will be defined by the FDIC limits of coverage:  Limits are up to $250,000 per account owner, per legal capacity per bank. This means that all accounts held by you in the same legal name at the same bank will be aggregated to determine the coverage limits.  When your FDIC insured accounts are maintained through multiple banks, the limit across banks per account owner per legal capacity is $500,000.  Additional information about FDIC insurance is available at www.fdic.gov. Margin, options and short sales are higher risk strategies. It is possible to lose all of the principal you invest, and sometimes more. In a cash account, your risk is limited to the amount of money that you have invested. In a margin account, your risk includes the amount of money invested plus the amount that has been loaned to you. When you short sell, your losses can be infinite. You should also be aware that transactions in the account (including account reallocations and rebalancing) may trigger a taxable event for you, unless your account is a qualified retirement account. When using third party asset managers, each manager will have its own methods of analysis, investment strategies and unique investment risks that should also be reviewed and considered. In instances where we recommend that a third party manage your assets, please refer to the third party’s ADV Part 2A and Appendix 1 Disclosure Brochures for details on their investment strategies, methods of analysis and associated risks. Investing in securities involves risk of loss that you should be prepared to bear. VOTING CLIENT SECURITIES As a matter of firm policy and practice, SFA does not have any authority to and does not vote 14 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  proxies on behalf of advisory clients. You retain the responsibility for receiving and voting proxies for any and all securities maintained in your account(s). Your Advisory Representative may provide advice to you regarding the voting of your proxies. SFA will not take any action with respect to any securities held in any accounts that are named in or subject to class action lawsuits. You will receive information related to proxies directly from your account custodian. We will forward any information received by us regarding proxies and class action legal matters involving securities held in your accounts. ITEM 7 – CLIENT INFORMATION PROVIDED TO PORTFOLIO MANAGERS SFA appreciates the trust you place in us, and we respect your right to privacy. We are committed to safeguarding the personal information you entrust to us. At SFA, we believe that it is important that you understand the uses and safeguarding of your personal information. SFA receives information:  From paperwork you provide such as Client Account Forms, questionnaires and product applications;  From conversations, discussions and interviews; and  From product or service vendors, as a result of your transactions with or through SFA. At SFA we:  Maintain all client records in a secured environment;  Protect computer programs through physical and electronic safeguards; and  Limit access to employees who require access to the information in order to service your account. SFA may disclose certain types of information to qualified entities, including affiliates, which perform administrative services on our behalf, with our affiliates with which you otherwise have a relationship, and as required or permitted by law for legal or regulatory purposes. The information that falls within this category is:   Information provided by you on Client Account Forms and product applications; and Information provided by product or service vendors, as a result of your transactions with SFA. SFA maintains physical, electronic and procedural safeguards to help ensure that your personal information is safe and accessed only according to these policies, and we will continue to make safeguarding your privacy our highest priority. Our Privacy Statement is available on our website at www.thesfa.net. 15 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  ITEM 8 – CLIENT CONTACT WITH PORTFOLIO MANAGERS You are encouraged to contact your Advisory Representative with respect to any changes regarding your investment objectives, risk tolerance and requested restrictions with respect to management of your Strategic Choice account. Your Advisory Representative will conduct a review of your account with you no less than annually. ITEM 9 – ADDITIONAL INFORMATION DISCIPLINARY ACTION On October 29, 2015, SFA entered into an Acceptance, Waiver and Consent with the Financial Industry Regulatory Authority (“FINRA”) concerning its supervision of and procedures related to consolidated reports. Without admitting or denying the allegations, SFA consented to a censure and a $30,000 fine. SFA was also required to submit an attestation that it had implemented procedures which more fully addressed the supervision of consolidated reports. Information about your Advisory Representative will be available in his or her Supplement to this brochure, and at www.adviserinfo.sec.gov. OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS SFA is also registered as a broker-dealer, member of FINRA and SIPC. Individuals affiliated with SFA may be both Advisory Representatives and registered representatives. SFA and its registered representatives offer securities and financial products in additional to rendering investment advice. SFA estimates it devotes 60% of its time to activities as a broker-dealer. Many representatives associated with SFA are also licensed to sell insurance products with the states in which they do business, and are appointed by various insurance companies, including through SFA’s affiliated insurance agency, SFA Insurance Services, Inc. Certain Advisory Representatives may also be Advisory Representatives of investment adviser firms which are unaffiliated with SFA. These relationships are disclosed in the respective Advisory Representative’s Part 2B Supplement. The services provided to you through SFA are disclosed in your Advisory Agreement. 16 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  Clients are under no obligation to purchase insurance products, securities products or other products or services through SFA and its associated persons. While SFA and its Advisory Representatives endeavor at all times to put the interests of clients first , you should be aware that the receipt of additional compensation itself creates a conflict of interest and may potentially affect the judgment of these individuals when making recommendations. SFA Holdings, Inc. (“SFAH”) parent company of SFA. Clive Slovin, President of SFAH. He and certain Advisory Representatives are shareholders of SFAH. Shareholders will benefit from the profits accrued to SFAH in the form of dividends. Strategic Blueprint, LLC is an SEC registered investment adviser established in July 2016, wholly owned by SFA Holdings, Inc. It shares office space and certain supervised persons with SFA. Julie Sullivan serves as an officer and director of Strategic Blueprint. SFA Partners is also wholly owned by SFA Holdings, Inc. It was formed for branding purposes, and provides shared services to its affiliates, SFA, Strategic Blueprint and SFA Insurance Services, including marketing, advisor relations, human resources, finance, recruiting, and due diligence. Green Creek Resources, LLC is a manager and sponsor of pooled investment programs. Green Creek Resources is 50% owned by SFA Holdings, Inc. and shares office space with SFA. Curated Equities, LLC is a manger and sponsor of pooled investment programs. Curated Equities is 50% owned by SFA Holdings, Inc. and shares office space with SFA. Timbrel Capital LLC (Timbrel), member FINRA and SIPC, is a registered broker-dealer formed in 2019 and is wholly owned by SFAH. It provides wholesaling and consulting services to sponsors of alternative investments, including Reg D private offerings and unregistered public programs. Timbrel does not conduct business directly with retail investors. If your Advisory Representative recommends a program that is sponsored by a client of Timbrel, disclosure will be made to you. 17 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  CODE OF ETHICS We have adopted a Code of Ethics (“Code”) to address the standard of business conduct required of our Advisory Representatives and employees. The Code includes our policies and procedures developed to protect your interests in relation to the following:  Duty at all times to place your interests ahead of ours;  All personal securities transactions of our Advisory Representatives and employees must be conducted in a manner consistent with the Code and avoid any actual or potential conflict of interest, or any abuse of an Advisory Representative’s or employee’s position of trust and responsibility;  Advisory Representatives may not take inappropriate advantage of their positions; and  Information concerning the identity of your security holdings and financial circumstances is confidential and must be safeguarded. We will provide a copy of the Code to you or any prospective client upon request. We do not buy or sell securities for our own account that we also recommend to you. Our Advisory Representatives and employees are permitted to buy or sell the same securities for their personal and family accounts that are bought or sold for your account. The personal securities transactions by our Advisory Representatives and employees may raise potential conflicts of interest when they trade in a security that is owned by you or is being considered for purchase or sale for your account. We have adopted policies and procedures that are intended to address these conflicts of interest. These policies and procedures:  Require our Advisory Representatives and employees to act in your best interest,  Prohibit favoring one client over another, and  Provide for the review of transactions to monitor that an Advisory Representative or employee does not place a trade for a personal or beneficial account ahead of a client’s transaction in the same security. Our Advisory Representatives and employees must follow our procedures when purchasing or selling the same securities purchased or sold for your account. REVIEW OF ACCOUNTS Our Advisory Representatives review your account on an on-going basis to monitor that your investments and investment strategies are performing in a manner consistent with your stated objectives. Your Advisory Representative will contact you at least annually (or more often as agreed upon with you) to review your account with you and to update your financial status, goals, objectives, and risk tolerances. These reviews also consider any investment restrictions you have requested and how your investments meet your investment time horizons, liquidity needs, tax considerations and other circumstances unique to you. Changes in your investments 18 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  and your investment strategies will be made or recommended by your Advisory Representative as they are deemed appropriate. Interim reviews may be triggered by social, economic, and/or political events. We strongly encourage you to advise your Advisory Representative of any changes in your personal circumstances, your investment goals or objectives, and your risk tolerances to ensure that your investments and investment strategies are most appropriate for you. In addition to the reviews done by your Advisory Representative, an Advisory Representative’s designated supervisor reviews purchase and sell transactions in your Strategic Choice account for suitability. The designated supervisor and SFA also monitor client accounts on a periodic and on-going basis to help ensure that the investments and transactions in those accounts are consistent with the information you have provided. CLIENT REFERRALS THROUGH TESTIMONIALS AND ENDORSEMENTS, AND OTHER COMPENSATION OTHER COMPENSATION In its capacity as a broker-dealer, SFA and its registered representatives will earn brokerage commissions and/or fees from the sale or services of investment products such as stocks, bonds, mutual funds, variable annuities and variable universal life products. Commissions vary depending upon the type of security and service offered. SFA Holdings Inc. (SFAH) is the parent company of SFA. Clive Slovin, President of SFAH. He and certain Advisory Representatives, officers and employees of SFA are shareholders of SFAH. Shareholders will benefit from the profits accrued to SFAH in the form of dividends. SFA will receive certain economic benefits from Pershing LLC as the clearing firm and custodian for Strategic Choice Accounts, including a portion of fees earned by Pershing on money market balances and margin balances. Such fees are not passed, in whole or in part, to Advisory Representatives. Although these fees are nominal, they could pose an incentive to retain assets in money market accounts. Other benefits received from Pershing LLC are described in the ADV Part 2A Disclosure Brochure. In certain instances, product sponsors, investment companies, and third-party asset managers (“product sponsors”) participate in activities that are designed to help facilitate the distribution of their products, such as marketing activities and educational programs, and by offsetting expenses that result from the cost of doing business. Additionally, SFA enters into arrangements with certain product sponsors whereby SFA receives a marketing allowance or other financial benefit based on sales of the product sponsor’s products or by providing access to registered representatives affiliated with SFA’s broker-dealer. In return for assistance in facilitating the activities described above, SFA will receive additional compensation from product 19 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  sponsors. While SFA does not recommend these products over others, these companies often have greater access to our representatives to provide training, education presentations, and product information. This additional compensation may give rise to a financial incentive for SFA to recommend these products over other products where such financial incentives are not present. While SFA and its registered representative’s endeavor at all times to put the interest of their clients first, you should be aware that the receipt of additional compensation itself creates a conflict of interest and may potentially affect the judgment of these individuals when making recommendations. Additionally, because of the revenue sharing arrangements referenced above, though they do not impact registered representative or advisory representative compensation, representatives may prefer recommending products offered by a sponsor who is participating in the revenue sharing program over other mutual funds, variable products, DPPs, REITs or third- party asset managers available through SFA. Please ask your Advisory Representative how he or she will be compensated for any transaction. CLIENT REFERRALS We enter into written agreements with certain unaffiliated investment advisers and other professionals (such as CPAs, attorneys, etc.) to compensate them for referring clients to us. We will pay these individuals (referred to as “solicitors”) a percentage of the advisory fee that you pay us if it is determined that you have become a client of ours as a result of their direct or indirect efforts. The payments we make to a solicitor will not result in an increase in the amount of the advisory fee that you pay. Additionally, we enter into written agreements through which SFA will serve as a solicitor to other investment advisers. SFA (and, in turn, your Advisory Representative) will receive a portion of the advisory fee as a solicitor’s or referral fee when you enter into an advisory agreement with a third- party asset manager as a result of your advisory representative’s recommendation. Our solicitation or referral arrangements will comply with applicable laws that govern:  the nature of the services provided; the fees to be paid;   disclosure of solicitor arrangements to clients; and  client consents, as required. Any solicitor’s fee will be fully described in a written Solicitor’s Disclosure Statement which you will receive when you enter into an advisory agreement as a result of your Advisory Representative’s recommendation. 21 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026)  FINANCIAL INFORMATION SFA has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. 22 The Strategic Financial Alliance, Inc. Strategic Choice Wrap Fee Brochure (Rev.03/31/2026) 

Form ADV Part 2A Disclosure Brochure This Disclosure Brochure provides information about the qualifications and business practices of The Strategic Financial Alliance, Inc. (“SFA”). If you have any questions about the contents of this Brochure, please contact us at 678.954.4000. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. SFA is a Registered Investment Adviser. Registration of an Investment Adviser does not imply any level of skill or training. Additional information about SFA (CRD #126514) is available on the SEC’s website at www.adviserinfo.sec.gov. 2200 Century Parkway, Suite 500 Atlanta, Georgia 30345 (678) 954-4000 www.thesfa.net March 31, 2026 i  ITEM 2 – MATERIAL CHANGES The Strategic Financial Alliance, Inc. (“SFA”) published its annual update of Part 2A Disclosure Brochure and Part 2A Appendix 1 Strategic Choice Program Wrap Brochure (collectively, “Brochure”) on March 31, 2026. There have been no material changes since the last annual update on March 31, 2026. Annual Update We will provide you a Summary of Material Changes to this and subsequent Brochures within 120 days of the close of our business fiscal year (December 31). We may provide other ongoing disclosure information about material changes as necessary. Brochure Availability We will provide our most current Brochure upon request at any time, without charge. Our Brochure may be requested by contacting our Chief Compliance Officer at (678) 954-4000. Our Brochure is also available on our website at www.thesfa.net. Additional information about SFA (CRD #126514) and its Advisory Representatives is available on the SEC’s web site at www.adviserinfo.sec.gov. Page 1 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  TABLE OF CONTENTS ITEM 1 COVERPAGE i ITEM 2 MATERIAL CHANGES 1 ITEM 3 TABLE OF CONTENTS 2 ITEM 4 ADVISORY BUSINESS 3 ITEM 5 FEES AND COMPENSATION 6 ITEM 6 10 ITEM 7 PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT TYPES OF CLIENTS 10 ITEM 8 11 ITEM 9 METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS DISCIPLINARY INFORMATION 14 ITEM 10 14 ITEM 11 OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS CODE OF ETHICS 15 ITEM 12 BROKERAGE PRACTICES 16 ITEM 13 REVIEW OF ACCOUNTS 17 ITEM 14 CLIENT REFERRALS AND OTHER COMPENSATION 18 ITEM 15 CUSTODY 19 ITEM 16 INVESTMENT DISCRETION 20 ITEM 17 VOTING CLIENT SECURITIES 20 ITEM 18 FINANCIAL INFORMATION 20 Page 2 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  ITEM 4 – ADVISORY BUSINESS DESCRIPTION OF BUSINESS, PRINCIPALS, AND TYPES OF SERVICES The Strategic Financial Alliance, Inc. (“SFA”) is a registered broker-dealer with the Financial Industry Regulatory Authority (“FINRA”) and is also an Investment Adviser registered with the Securities and Exchange Commission (“SEC”). SFA is an Atlanta-based, Georgia corporation, formed in 2003, and a wholly owned subsidiary of SFA Holdings, Inc. Clive Slovin is the President and CEO of SFA Holdings, Inc. SFA has worked to build a strong reputation within the Financial Services Industry through its independent model and commitment to service. Through its network of independent Advisory Representatives, SFA offers a range of advisory services as described below, including:  Portfolio Management Programs  Selection of and Referral to Third Party Asset Management Programs  Financial Planning  Financial Consulting  Lectures and Seminars As of December 31, 2025, SFA managed assets valued at approximately $382,034,020 million, of which approximately $26,952,731 million were managed on a discretionary basis and $355,081,289 million were managed on a non-discretionary basis. Additionally, as of December 31, 2025 SFA had approximately $ $70,692,435 million in assets under advisement, which represents the assets referred by SFA to third-party asset managers as described on Page 3 under “Third Party Asset Managers.” PORTFOLIO MANAGEMENT PROGRAMS Through its two Strategic Choice portfolio management programs, SFA offers a customized approach to implementing individualized investment strategies designed with the goal of meeting your investment objectives through asset allocation, portfolio design, portfolio monitoring, and consolidated reporting. In order to participate in the portfolio management programs, Advisory Representatives must be properly registered, have at least five years of experience in the financial services industry (or equivalent experience, as determined by SFA) and be approved by SFA to offer the programs. You may select an all-inclusive program (“wrap fee program”) in which the asset-based fee includes your advisory fee as well as transaction costs. Alternatively, you may choose a program in which you pay transaction fees in addition to your asset-based advisory fee. The amount of your advisory fee is negotiated between you and your Advisory Representative, and limited based on the program’s published maximum fee schedule. Page 3 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  STRATEGIC CHOICE PROGRAM Your Advisory Representative is the portfolio manager for your Account(s). SFA will also serve as the introducing broker-dealer to introduce transactions for your Account. Pershing LLC will maintain physical custody of your assets and is responsible for trade execution, billing and reporting. Portfolios may include stocks, bonds, ETFs, mutual funds, and certain illiquid, alternative securities (for suitable investors). The Strategic Choice Program, including fees and expenses, is more fully described in ADV Part 2A Appendix 1 The Strategic Choice Program Brochure, which is available upon request. C-SHARE MUTUAL FUND MANAGEMENT PROGRAM When you own C-Share Class mutual funds, a 1% annual fee is deducted from your mutual fund account. In the C-Share Mutual Fund Management Program, your Advisory Representative will recommend the purchase, sale and/or reallocation of C-share class mutual funds, monitor your designated C-Share holdings based on your stated objectives and risk tolerance. Your Advisory Representative will, no less than annually, review your account with you. SFA, as a registered broker/dealer, will receive the 1% annual fee from the mutual fund company (or companies). SFA designates these fees as payment for the advisory services listed above. Other share class mutual funds are available that offer a breakpoint (discount) for large purchases which may result in a lower cost to you, as disclosed in the C-Share Program Agreement. However, if you purchase other share classes, those funds would not be included in this Program and would not receive the services of your Advisory Representative under this program. If you terminate the C-Share Program Agreement, SFA will continue to receive fees as “broker of record” until such time as you liquidate the funds or move the account to another firm. CO-ADVISORY PROGRAMS Through our co-advisory relationships with certain third- party managers, your Advisory Representative will assist you in choosing suitable strategists or model portfolios which will manage your account in a manner consistent with your stated financial objectives, risk tolerance and investment horizon. Your Advisory Representative will review your account and make recommendations for changes to the selected strategist(s) as warranted. Your Advisory Representative will monitor your account and its performance, meet with you periodically and may recommend changing managers based on your needs and objectives. Co-Advisory Programs include the following. (Additional programs may be made available from time to time.) ORION PORTFOLIO SOLUTIONS, LLC (formerly FTJ FundChoice) Wrap fee programs through Orion Portfolio Solutions, LLC offers model portfolios of mutual funds and ETFs. These may be offered on an all-inclusive wrap fee or non-wrap basis. Page 2 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  This program is more fully described, including fees and expenses, in the Orion Portfolio Solutions, LLC Program Disclosure Brochure, which is available upon request, or may be accessed at www.sec.gov. BAM ADVISORY SERVICES LLC (formerly LORING WARD) BAM Advisory Services LLC offers portfolios of mutual funds and a retirement account platform. BAM Advisory Services LLC’s services, including fees and expenses, are described in its ADV Part 2A Disclosure, also available upon request and at www.sec.gov. You may select among various financial institutions (e.g., Schwab, Fidelity) to maintain physical custody of your account(s). MANAGER SELECTION PROGRAMS The manager selection programs are wrap (inclusive) and non-wrap (non-inclusive) programs sponsored by third party investment advisers. The program sponsor evaluates other independent investment advisers and selects investment advisers to participate as portfolio managers in the programs. Your Advisory Representative will serve in a co-advisory role, assisting you in reviewing the participating portfolio managers and selecting one or more to manage your account(s) in a manner consistent with your objectives. The selected portfolio manager or managers will, typically, exercise discretionary authority in the account. SFA and your Advisory Representative will not have discretionary authority over the assets in accounts participating in these programs. Your Advisory Representative will monitor your account and its performance, meet with you periodically and may recommend changing managers based on your needs and objectives. Manager selection programs include:  Lockwood Managed Account Advisor Program, and  AssetMark Investment Services programs (formerly, Genworth Financial). Other co-advisory programs are offered by Frontier Asset Management and SEI Investments Company THIRD-PARTY ASSET MANAGERS – SOLICITOR ARRANGEMENTS SFA and certain of its Advisory Representatives act as solicitors for third-party asset managers (“TPAMs”). Your Advisory Representative will recommend a TPAM whose management style and strategies are consistent with your objectives and financial profile. You will enter into an advisory agreement with the TPAM. SFA nor your Advisory Representative will exercise discretion or make investment choices or recommendations in the account. These programs may include asset allocation models, model portfolios, market timing strategies, or other strategies for mutual funds and variable annuity sub-accounts. In a solicitor’s arrangement, SFA through your Advisory Representative typically gathers information about your financial situation, investment objectives and reasonable restrictions you Page 3 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  wish imposed upon the management of your account; periodically reviews reports provided to you; contacts you at least annually to update your financial information and review the account, its performance, and the services of the TPAM. Your Advisory Representative also communicates changes in your information to the TPAM as warranted. It is important to notify your Advisory Representative of any changes in your financial situation, investment objectives, or account restrictions. You will receive the TPAM’s Disclosure Brochure and a Solicitor’s Disclosure Statement, which will describe the relationship between TPAM and SFA, and the solicitor’s fee paid to SFA. FINANCIAL PLANNING AND FINANCIAL CONSULTING SERVICES Financial Planning Your Advisory Representative can work with you to prepare (1) a comprehensive, written financial plan designed to help you achieve your financial goals and investment objectives, or (2) a plan limited in scope to a particular area. Preparation of a plan requires that you provide your Advisory Representative with personal data such as family records, employment records, budgeting, assets, liabilities, estate information, and tax information. Financial planning is a process that may address any or all of the following topics as you may request: insurance planning risk management retirement planning long-term care and disability planning  asset protection  tax planning  business succession  cash flow  education planning  estate planning  multi-generational planning   asset allocation    wealth transfer  charitable gifting  Should you choose to implement the recommendations promulgated in your financial plan, we encourage you to work closely with your attorney, accountant, insurance agent, and other professional advisors. Although you may choose to implement the recommendations made in your financial plan through your Advisory Representative in his or her capacity as an investment advisor representative, registered representative or licensed insurance agent, you are free to employ the services of any advisor, registered representative, or insurance agent of your choice, regardless of whether or not that person is associated with SFA. Financial Consulting SFA offers investment consulting services that are limited to the specific areas you identify. These services are not considered financial planning services because we will not perform a Page 4 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  comprehensive analysis of your financial position and may or may not prepare a written report documenting our review. The consulting services our Advisory Representatives provide may include (but are not limited to):  Assisting you in the preparation of an investment policy statement;  Reviewing and recommending changes to an existing investment policy statement (or similar guidelines, policies, and/or investment allocation that you are employing);  Reviewing existing contracts you have with service providers, such as managers and consultants, and making recommendations for changes;  Assisting you in renegotiating the fees you pay to service providers and/or assisting you in conducting a search for new service providers;  Analyzing the performance of your current investment manager;  Advising you regarding the manner in which your investment account is being managed and, at your request, assisting you in searching for a new investment manager;  Advising you on the purchase and sale of particular individual investments;  Monitoring your transaction costs; and,  Monitoring compliance by your investment managers with your investment policy statement. SFA does not offer legal or tax advice. An Advisory Representative may present the tax aspects of certain investments or strategies in general terms but does not provide specific tax advice. We recommend that all tax questions or strategies should be discussed with your tax professional. Regardless of the services you choose, we strongly encourage you to notify your Advisory Representative promptly if there are any changes in your personal circumstances, financial situation, investment objectives, or risk tolerances. LECTURES AND SEMINARS SFA sponsors lectures, seminars, or speeches of an educational and generic nature. A broad range of topics may be included in each seminar including, but not limited to, asset allocation, retirement planning, risk, tax planning, long-term care and estate planning. SUBSCRIPTION ADVISORY SERVICES The Subscription Advisory Services Program (Subscription Program) offers an array of financial planning and wealth management services selected by you, for an annual flat fee, provided on an on-going basis to help you adhere to your plan and achieve stated goals and objectives. The Subscription Program services can include retirement, education, estate, and legacy planning; wealth management, advice related to accounts held away from SFA, tax strategies, and asset allocation. With your authorization, your Advisory Representative will collaborate with your other advisors, including tax and legal advisors. The nature and frequency of reporting, meetings, Page 5 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  written plans, and other specific services are described and agreed upon in the Subscription Program Agreement. Investment Management is not offered through the Subscription Program. CLIENT TAILORED SERVICES AND CLIENT IMPOSED RESTRICTIONS Your Advisory Representative develops and recommends a strategy based on the information you provide about your financial profile using his or her knowledge and experience. It is very important that you communicate changes in your information so your Advisory Representative can make recommendations and manage your account in a manner that is consistent with your objectives, risk tolerance and time horizon. You may impose reasonable restrictions on the manner in which your account is managed, such as limiting investments in certain types of securities or asset classes, in accordance with your values or beliefs. ITEM 5 – FEES AND COMPENSATION PORTFOLIO MANAGEMENT FEES AND COMPENSATION The Strategic Choice Program (“the Program”) offers two fee structures:  All-Inclusive (“wrap”) account in which the asset-based fee includes our advisory fee and transactions fees; or  Non-Inclusive account in which the transaction fees are assessed separately from the asset-based advisory fee. For complete fee details for the Program, please see the Appendix 1 Strategic Choice Program Brochure. C-S HARE MUTUAL FUND MANAGEMENT PROGRAM FEES AND COMPENSATION Advisory services in this program are paid for by the 1% annual fee assessed by the respective mutual fund company and paid to SFA. In the event that you terminate the investment advisory agreement with SFA, SFA will continue to receive fees as “broker of record” until such time as you transfer the account to another firm. CO-ADVISORY PROGRAMS The fees, expenses and termination provisions and refund of fees for Orion Portfolio Solutions, LLC are described in its ADV 2A and Appendix 1 Disclosure Brochures. The program accesses a tiered administration fee ranging from a high of 0.45% to 0.08%; strategist fees from 0.10% - 0.20%; trading and custody fees for the ETF strategies, 0.10-0.20%; and an annual account maintenance fee, $25 or $50.00. The account maintenance fee may be waived for certain accounts. SFA will charge an advisory fee in addition to the fees listed above. The total fees charged to you may not exceed 2.0%. The fees, expenses, termination provisions and refund of fees for Lockwood Managed Account, AssetMark Investment Services, BAM Advisory Services and other similar programs offered Page 6 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  through SFA are fully described in their respective ADV 2A and Appendix 1 Disclosure Brochures. These brochures are available upon request and will also be provided to you prior to your entering an advisory agreement for any of these programs. Account minimums will vary by program and will be described in the respective disclosure brochures. Should you decide to participate in one of these programs, SFA and your Advisory Representative will receive a portion of the advisory fee charged to your account. Amount of the fee payable to SFA is negotiable. THIRD-PARTY ASSET MANAGER FEES AND COMPENSATION Fees may be negotiated within limits set by the third-party asset manager. Fees generally range from 10 basis points to 250 basis points annually, depending upon the program selected, the size of the account and the services covered. Under some programs, an inclusive fee covers account management, brokerage, clearance, custody, and administrative services. In other programs, the account may be charged separately for such services. The amount of the fees, services provided, payment structure, termination provisions and other aspects of each program are detailed and disclosed in the third-party asset manager’s Form ADV Part 2 and Appendix 1 wrap fee program disclosure brochures. SFA and your Advisory Representative will share in a portion of the fee charged by the third-party manager. The amount of this portion varies program by program and is disclosed in the Solicitor’s Disclosure Statement provided to you. If mutual funds or variable annuities are used in these programs, the fees mentioned above are in addition to the internal management fees and expenses paid by the mutual funds or variable annuity companies to their separate investment advisors. In addition, variable annuity companies generally impose mortality charges on such accounts. Fees are payable in advance or in arrears as described in the third-party money manager’s form ADV client and wrap fee brochures. FINANCIAL PLANNING AND CONSULTATION FEES AND COMPENSATION Advisory Representatives may charge a fixed or hourly fee for financial planning and consultations. Fees are negotiated with each client depending on the complexity of the situation, the services provided and experience of the representative. The fee charged generally does not exceed a flat fee of $10,000, an hourly rate of $500 per hour, or an annual management fee of 2% of asset value. Due to the complexity of some financial plans and consulting arrangements, a higher fee may be negotiated. Up to one half of the agreed upon fee may be billed in advance, with the remainder due upon delivery of the planning/consulting, but not more than six months in advance of delivery of the plan or consultation, in accordance with your Financial Planning or Consulting Agreement. You may terminate the planning/consulting agreement without penalty within five business days after signing the agreement. Thereafter, you may terminate the planning or consulting agreement Page 7 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  upon written notice. If the agreement is terminated by the client, SFA will not refund any portion of the fee; however, SFA reserves the right, at its sole discretion, to refund any or all of the fee paid in individual circumstances. If you choose to implement your financial plan or any recommendations through your Advisory Representative in his or her capacity as a registered representative of SFA or a licensed insurance agent, he or she may receive additional compensation in the form of sales commissions and 12b- 1 fees. LECTURE AND SEMINAR FEES AND COMPENSATION SFA may charge attendees a fee for attending such lectures and seminars. Fees for seminars are paid to SFA or to a billing agent designated on the application form. Fees are negotiable at the sole discretion of SFA. Fees are due at or prior to attendance unless otherwise specified and are not refundable. SUBSCRIPTION ADVISORY SERVICES FEES AND COMPENSATION The Annual Flat Fee is negotiable and based on the complexity and scope of your financial situation, including but not limited to your net worth, income, total investable assets, tax situation, number of accounts and account types, employment (i.e., self-employed or W-2 employee), number of family members, trusts, current transitions, and any additional factors we determine that may add to the complexity of your financial life. The Annual Flat Fee does not include asset management. Asset management is covered by a separately executed Investment Management Agreement. The Annual Flat Fee is billed quarterly (or monthly, as agreed) in arrears and assessed pro rata depending on when services commence. An initial negotiated fee (separate from and in addition to the flat fee) may be assessed for the establishment of the services, including account opening and an initial plan. This initial fee may be waived at the discretion of your Advisory Representative on behalf of the Firm. Your Advisory Representative will review fees periodically and may increase fees based on certain factors such as the complexity of your financial situation, and/or the addition of investable assets and accounts under our management. No fee increase will be effective until you sign a new or amended Subscription Agreement fee schedule. ADDITIONAL FEES, COMPENSATION AND EXPENSES SFA’s fees for non-inclusive accounts are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred. You may incur certain charges imposed by custodians, brokers, third party asset managers and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, termination fees for qualified plans and other fees and taxes on brokerage accounts and securities transactions. Mutual funds, variable annuities and exchange traded funds Page 8 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  also charge internal management fees which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to SFA’s advisory fee. If you purchase illiquid alternative investments in your managed accounts at the public offering price, your Advisory Representative will earn a commission in his or her capacity as a Registered Representative of SFA, as described in the product offering memorandum or prospectus. These investments will be excluded from billing in your account. The advisory fees paid for Financial Planning and Consulting services do not include the costs associated with implementing any recommendations. NEGOTIATION OF FEES AND COMPENSATION Fees are negotiated on a case-by-case basis, depending on a variety of factors, including the nature and complexity of the particular service, your relationship with SFA and your Advisory Representative, the size of the Account, the potential for other business or clients, the amount of work anticipated and the attention needed to manage your Account. Please note that the same or similar services to those described above may be available elsewhere to you at a lower cost. Your Advisory Representative may negotiate a fee that is more or less than fees negotiated by other SFA Advisory Representatives for similar services. POTENTIAL CONFLICTS OF INTEREST Pershing LLC, a clearing firm, shares a portion of fees earned on margin and money market balances with SFA and such fees are not passed, in whole or in part, to Advisory Representatives. Although these fees are nominal, they could pose an incentive to retain assets in such accounts. Transactions in Strategic Choice Program accounts incur a transaction fee, which is paid to SFA to offset the costs Pershing LLC assesses to SFA. In the inclusive program, the transaction fee is paid by the respective Advisory Representative. In the non-inclusive program, the transaction fee is paid by the account owner and deducted from the account. In addition to providing advisory services, Advisory Representatives offer securities products and other investment and insurance products in their capacities as registered representatives of SFA and as licensed insurance agents. SFA will receive additional compensation in connection with this activity, and the amount of compensation will depend on the type of product purchased. SFA could have a greater financial incentive to recommend certain products as opposed to others. Your Advisory Representative will make recommendations based on your stated investment objectives, risk tolerance and time horizon. Security transactions executed through SFA are reviewed for suitability by a designated supervisor. Certain third-party asset managers with which SFA has entered into co-advisory and/or solicitor’s agreements provide marketing support to SFA and its Advisory Representatives for meetings and other functions. They may also provide software and other tools to assist our Advisory Representatives in providing services to you. Page 9 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  Certain asset managers, including Frontier Asset Management, BAM Advisory Services LLC Ward and Assetmark, share a portion of their respective revenues with SFA based on the assets co- managed and/or referred by SFA. This additional compensation is not shared directly with Advisory Representatives but can indirectly benefit them through conferences and educational events. Please refer to Item 14, Client Referrals and Other Compensation, below. Please be aware that you are under no obligation to purchase products or services recommended by us or your Advisory Representative in connection with providing you any advisory service that we offer. Your Advisory Representative will answer any questions you have about fees and expenses of the products recommended. Additionally, SFA has adopted a Code of Ethics, as described in Item 11 on Page 14 of this Brochure, which describes the standard of conduct required of our Advisory Representatives. If a conflict of interest exists between an Advisory Representative, employee, or related entity and any client or client’s holdings, Advisory Representatives are responsible to disclose such conflicts to the SFA Compliance Department. The Compliance Department will determine the materiality of such conflicts, and material conflicts will be disclosed to you. You will be offered an opportunity to waive such conflicts, to work with another Advisory Representative, or to move your assets to another investment advisory firm. SFA monitors for potential conflicts of interest through reviews of client accounts, reviews of Advisory Representatives’ personal securities accounts and their outside business activities, monitoring e-mails and correspondence, annual Compliance Questionnaires, and branch office exams. Any Advisory Representative knowingly placing personal interest above that of a client may be subject to disciplinary action, up to and including termination ITEM 6 – PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT SFA does not charge any performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client). Certain third-party asset managers may assess a performance-based fee, which will be described in the respective manager’s disclosure brochure. In some cases, a portion of the performance fee may be shared with SFA and Advisory Representative(s) as a solicitor’s fee. Any such arrangement will be described to you in a written Solicitor’s Disclosure Statement. ITEM 7 – TYPES OF CLIENTS SFA provides investment advisory services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Page 10 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  SFA requires a minimum account size of $25,000 in managed (or “supervised”) assets for Strategic Choice accounts. This limit may be met by a single account or, at SFA’s discretion, by aggregating the assets within multiple related accounts. SFA requires a minimum account size of $25,000 for C-Share Managed Accounts. This minimum account size serves as a guideline, only. SFA, at its sole discretion, may waive this minimum account requirement. The minimum account sizes required for participation in the programs sponsored by third-party asset managers are described in the manager’s respective disclosure brochures. ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS SFA’s Representatives rely on various types of tools and methods to assist in recommending or selecting investment strategies to you, including asset allocation and various types of software. SFA’s methods of analysis include charting analysis, fundamental analysis, technical analysis, and cyclical analysis. The main sources of information used to formulate investment advice and/or manage assets include financial newspapers and magazines, research materials prepared by others, corporate rating services, timing services, annual reports, prospectuses, fillings with the SEC, and company press releases. The investment strategies used to implement any investment advice given to clients includes long term purchases (securities held at least a year), short term purchases (securities purchased and sold within a year), margin transactions, and option writing. Investment returns are highly dependent on the value of underlying securities which are impacted by trends in the various investment markets. We generally recommend stocks, bonds, ETFs and mutual funds, structured products and alternative products. Investing involves the assumption of risks, which may include the following: Investing in stocks involves the assumption of risk, including:  Financial Risk: the risk that the companies we recommend to you may perform poorly, which will affect the price of your investment.  Market Risk: the risk that the Stock Market will decline, decreasing the value of the  securities we recommend to you. Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the stock.  Political and Governmental Risk: the risk that the value of your investment may change with the introduction of new laws or regulations. Investing in bonds involves the assumption of risk, including:  Interest Rate Risk: the risk that the value of the bond investments we recommend to you will fall if interest rates rise.  Call Risk: the risk that your bond investment will be called or purchased back from you when conditions are favorable to the bond issuer and unfavorable toyou.  Default Risk: the risk that the bond issuer may be unable to pay you the contractual Page 11 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)   interest or principal on the bond in a timely manner or at all. Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the bond. Investing in mutual funds involves the assumption of risk, including:  Manager Risk: the risk that an actively managed mutual fund’s investment adviser will fail to execute the fund’s stated investment strategy.  Market Risk: the risk that the Stock Market will decline, decreasing the value of the   securities contained within the mutual funds we recommend toyou. Industry Risk: the risk that a group of stocks in a single industry will decline in price due to adverse developments in that industry, decreasing the value of mutual funds that are significantly invested in that industry. Inflation Risk: the risk that the rate of price increases in the economy deteriorates the returns associated with the mutual fund. Investing in Exchange Traded Funds (“ETFs”) involves the assumption of risk, including:  The public trading price of a redeemable lot of the ETFs may be different from its net asset value. Declining stock prices can cause losses to your investment.  Some leveraged and inverse ETFs and ETNs "reset" daily, meaning that they are designed to achieve their stated objectives on a daily basis. If held for a period longer than one day, their performance over the longer periods of time can differ significantly from the stated multiple of the performance (or the inverse of the performance) of their underlying index or benchmark during the same period of time. This effect can be magnified in volatile markets.  ETFs and ETNs linked to commodity futures do not offer direct exposure to the commodity’s spot price and may perform differently than the spot price for the commodity itself.  You should not assume that an ETF or ETN that is linked to commodity futures will provide an effective hedge because of a negative correlation with equities or other asset classes. Investing in Structured Products involves the assumption of risk,   Investment in a Principal Protected Certificate of Deposit carrying FDIC insurance is subject to the limits of that insurance. Investment in a Principal Protected Structured Product may still result in substantial opportunity loss.  Buffered notes do not provide 100% principal protection. Buffered notes only provide limited downside protection against loss and only if the buffered note is held to maturity.  The gain on buffered notes may be subject to a cap so you may not participate in the full upside of the reference asset(s).  Buffered notes lack liquidity. They are not listed on any securities exchange and you may not be able to sell your buffered note(s) prior to maturity.  Buffered notes do not pay dividends. The payment of a buffered note at maturity will reflect cumulative performance.  Buffered notes are not obligations of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency or program of the United States or any other jurisdiction.  Structured products are subject to loss of principal. Page 12 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)   If a principal protected structured note is guaranteed by the underwriting firm’s assets, then the guarantee is limited to the claims-paying ability of the underwriter. Investing in Alternative Investments (“Alternatives”) involves the assumption of risk, including:  There may be no public market so these Alternatives could not be sold quickly or rebalanced.  The holding period will vary by product before a liquidation event is executed.  Many Alternatives are not registered with the SEC so do not afford the benefits of public disclosure and reporting.  SFA will limit the percentage of Alternatives held in a managed account based on your liquidity needs, net worth, investment objectives, risk tolerance, and any state or regulatory limitations. Alternatives may not be purchased on a discretionary basis. When funds in your managed account are allocated to cash, the funds will earn interest in a cash account or money market fund through the account custodian:  Cash accounts are generally intended as a place to hold cash pending investment or for immediate cash needs, not solely for the purpose of receiving interest.  The interest rates will generally be less than the investment management fee when the cash allocation is included in your billable assets.  The custodian can earn income from holding client cash.  The custodian can earn fees from money markets for marketing, distribution and other services (see the money market prospectus).  As a result, the custodian and adviser will likely earn more on your cash assets than you do. When your custodian offers an FDIC-insured cash account, coverage will be defined by the FDIC limits of coverage:  Limits are up to $250,000 per account owner, per legal capacity per bank. This means that all accounts held by you in the same legal name at the same bank will be aggregated to determine the coverage limits.  When your FDIC insured accounts are maintained through multiple banks, the limit across banks per account owner per legal capacity is $500,000.  Additional information about FDIC insurance is available at www.fdic.gov. Margins, options, and short sales are higher risk strategies. It is possible to lose all of the principal you invest, and sometimes more. In a cash account, your risk is limited to the amount of money that you have invested. In a margin account, your risk includes the amount of money invested plus the amount that has been loaned to you. When you short sell, your losses can be infinite. You should also be aware that transactions in the account (including account reallocations and rebalancing) may trigger a taxable event for you, unless your account is a qualified retirement account. Page 13 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  When using third party investment managers, each manager will have its own methods of analysis, investment strategies and unique investment risks that should also be reviewed and considered. In instances where we recommend that a third party manage your assets, please refer to the third party’s ADV Part 2A and Appendix 1 disclosure brochures for details on their investment strategies, methods of analysis, and associated risks. Investing in securities involves risk of loss that you should be prepared to bear. ITEM 9 – DISCIPLINARY INFORMATION On October 29, 2015, The Strategic Financial Alliance, Inc. (“SFA”) entered into an Acceptance, Waiver and Consent with the Financial Industry Regulatory Authority (“FINRA”) concerning its supervision of and procedures related to consolidated reports. Without admitting or denying the allegations, SFA consented to a censure and a $30,000 fine. SFA was also required to submit an attestation that it had implemented procedures which more fully addressed the supervision of consolidated reports. Information about your Advisory Representative is available in his or her Supplement to this brochure, and at www.adviserinfo.sec.gov. ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS SFA is also registered as a broker-dealer, member of FINRA and SIPC. Individuals affiliated with SFA may be both Advisory Representatives and registered representatives. SFA and its registered representatives offer securities and financial products in additional to rendering investment advice. SFA estimates it devotes 50% of its time to activities as a broker-dealer. Many representatives associated with SFA are also licensed to sell insurance products with the states in which they do business, and are appointed by various insurance companies, including through SFA’s affiliated insurance agency, SFA Insurance Services, Inc. Certain Advisory Representatives may also be Advisory Representatives of investment adviser firms which are unaffiliated with SFA. These relationships are disclosed in the respective Advisory Representative’s Part 2B Supplement. The services provided to you through SFA are disclosed in your Advisory Agreement. Clive Slovin, President of SFA Holdings (SFAH), and certain Advisory Representatives, officers and employees are shareholders of SFAH, parent company of SFA. Shareholders will benefit from the profits accrued to SFAH in the form of dividends. Clients are under no obligation to purchase insurance products, securities products or other products or services through SFA and its associated persons. While SFA and its Advisory Representatives endeavor at all times to put the interests of clients first, you should be aware that Page 14 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  the receipt of additional compensation itself creates a conflict of interest and may potentially affect the judgment of these individuals when making recommendations. Strategic Blueprint, LLC is an SEC-registered investment adviser established in July 2016, wholly owned by SFA Holdings, Inc. It shares office space and certain supervised persons with SFA. Julie Sullivan serves as an officer and director. SFA Partners is wholly owned by SFA Holdings, Inc. It provides services shared by SFA, Strategic Blueprint, and SFA Insurance Services, including human resources, marketing, advisor relations, recruiting, accounting, and due diligence. Green Creek Resources, LLC is a manager and sponsor of pooled investment programs. Green Creek Resources is 50% owned by SFA Holdings, Inc. and shares office space with SFA. Curated Equities, LLC is a manger and sponsor of pooled investment programs. Curated Equities is 50% owned by SFA Holdings, Inc. and shares office space with SFA. Timbrel Capital LLC (Timbrel), member FINRA and SIPC, is a registered broker-dealer formed in 2019 and is wholly owned by SFAH. It provides wholesaling and consulting services to sponsors of alternative investments, including Reg D private offerings and unregistered public programs. Timbrel does not conduct business directly with retail investors. If your Advisory Representative recommends a program that is sponsored by a client of Timbrel, disclosure will be made to you. ITEM 11 – CODE OF ETHICS We have adopted a Code of Ethics (“Code”) to address the standard of business conduct required of our Advisory Representatives and employees. The Code includes our policies and procedures developed to protect your interests in relation to the following:  Duty at all times to place your interests ahead of ours;  All personal securities transactions of our Advisory Representatives and employees must be conducted in a manner consistent with the Code and avoid any actual or potential conflict of interest, or any abuse of an Advisory Representative’s or employee’s position of trust and responsibility;  Advisory Representatives may not take inappropriate advantage of their positions; and  Information concerning the identity of your security holdings and financial circumstances is confidential and must be safeguarded. We will provide a copy of the Code to you or any prospective client upon request. We do not buy or sell securities for our own account that we also recommend to you. Our Advisory Representatives and employees are permitted to buy or sell the same securities for their personal Page 15 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  and family accounts that are bought or sold for your account. The personal securities transactions by our Advisory Representatives and employees may raise potential conflicts of interest when they trade in a security that is owned by you or is being considered for purchase or sale for your account. We have adopted policies and procedures that are intended to address these conflicts of interest. These policies and procedures:  Require our Advisory Representatives and employees to act in your best interest,  Prohibit favoring one client over another, and  Provide for the review of transactions to monitor that an Advisory Representative or employee does not place a trade in a personal or beneficial account in front of a client’s transaction in the same security.Our Advisory Representatives and employees must follow our procedures when purchasing or selling the same securities purchased or sold for your account. ITEM 12 – BROKERAGE PRACTICES SFA is the broker/dealer for Strategic Choice Accounts. Pershing, LLC is the clearing firm and custodian for Strategic Choice accounts. SFA does not maintain custody of client assets. In addition to brokerage and custody services, Pershing provides access to research, software, and educational opportunities. Pershing may also make available or arrange for these types of services to be provided to us by independent third parties. It may discount or waive the fees it would otherwise charge for some of the services it makes available to us. It may also pay all or a part of the fees of a third party providing these services to us. It also shares a portion of fees it earns on money market balances. Commissions and other fees for transactions executed through Pershing, LLC may be higher than commissions and other fees available if you use another custodian firm to execute transactions and maintain custody of your account. SFA does not have soft dollar arrangements wherein commissions are used to pay for research. Bunched Trading We may engage in “bunched trading,” which is the purchase or sale of a security for the accounts of multiple clients in a single transaction. If a bunched trade is executed, each participating client receives a price that represents the average of the prices at which all of the transactions in a given bunch were executed. If the order is not completely filled, the securities purchased or sold are distributed among participating clients on a pro rata basis or in some other equitable manner. Transactions for the accounts of our Advisory Representatives and employees may be included in bunched trades. They will receive the same average price as clients. Page 16 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  Transactions for the accounts of our Advisory Representatives or employees will not be favored over transactions for client accounts. We are not obligated to include any client transaction in a bunched trade. Bunched trades will not be affected for any client’s account if doing so is prohibited or otherwise inconsistent with that client’s investment advisory agreement. No client will be favored over any other client. ITEM 13 – REVIEW OF ACCOUNTS Each security purchase or sale effected by our representative in your account is monitored for suitability by a designated supervisor. Advisory Representatives review advisory accounts with you at least annually. Transactions in the accounts are reviewed on an ongoing basis. Interim reviews may be triggered by changes in political, economic or market conditions or if there are changes in your stated financial profile. Reviews (meetings with you) for financial plans occur upon the engagement as part of the financial planning process. The extent of reviews depends on the arrangement with you. Thereafter, reviews are conducted according to the Financial Planning Agreement. Financial planning clients receive a financial plan in the agreed upon form upon completion of the plan. Updates to the financial plan and subsequent reviews are conducted as determined by advisor and client as outlined in the Financial Planning Agreement. SFA’s Advisory Representatives render investment advisory services to clients using differing methods. Advisory Representatives may offer any or all of the advisory services described in this Brochure. SFA instructs each Advisory Representative that manages accounts to review accounts with their clients, at least annually, as to suitability of the portfolio relative to stated financial needs and objectives, and to determine what action, if any, is indicated. Broader reviews are performed periodically by the Advisory Representative’s designated supervising principal and/or the SFA Supervision Team, or their qualified designees. Suitability is not the only criteria for evaluating investment management. Registered Investment Advisers such as SFA operate under a fiduciary standard of care. The standard determines what is suitable. SFA’s clearing firm and account custodian, Pershing LLC, provides Strategic Choice clients with monthly brokerage account statements (unless there has been no activity in the account), and comprehensive quarterly account and performance reports. Pershing also sends confirmations of transactions to clients when activity occurs in accounts. Please review your statements carefully to make sure that your account is being managed according to your stated objectives. Your statement will also show the amount of any advisory fee deducted from your account. Third party asset managers to which SFA has referred clients provide statements and performance reports to clients, monthly or quarterly, based on the TPAM’s disclosure brochure Page 17 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  and their agreement with the client. ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION OTHER COMPENSATION In its capacity as a broker-dealer, SFA and its registered representatives may earn brokerage commissions and/or fees from the sale of investment products such as stocks, bonds, mutual funds, ETFs, variable annuities and variable universal life products. Commissions vary depending upon the type of security and service offered. In certain instances, product sponsors, investment companies, and third-party asset managers (“product sponsors”) participate in activities that are designed to help facilitate the distribution of their products, such as marketing activities and educational programs, and by offsetting expenses that result from the cost of doing business. Additionally, SFA enters into arrangements with product sponsors whereby SFA receives a marketing allowance, due diligence fees, or other financial benefit based on sales of the sponsor’s products or by providing access to registered representatives affiliated with SFA’s broker-dealer. In return, for assistance in facilitating the activities described above, SFA will receive additional compensation from product sponsors. However, SFA does not recommend these products over others. These companies may have greater access to our representatives to provide training, education presentations and product information. And this additional compensation may give rise to a financial incentive for SFA to recommend these products over other products where such financial incentives are not present. While SFA and its Advisory Representatives endeavor at all times to put the interests of their clients first, you should be aware that the receipt of additional compensation itself creates a conflict of interest and may potentially affect the judgment of these individuals when making recommendations. Additionally, because of the revenue sharing arrangements referenced above, though they do not impact advisor compensation, Advisory Representatives may prefer recommending products offered by a sponsor who is participating in the revenue sharing program over other mutual funds, variable products, DPPs, REITs or third-party money managers available through SFA. You should feel free to ask your Advisory Representative how she or he will be compensated for any transaction involving a product sponsor. SFA will receive certain economic benefits from Pershing as the clearing firm and custodian for Strategic Choice accounts. Those benefits are described in detail in the preceding section entitled “Brokerage Practices.” CLIENT REFERRALS THROUGH TESTIMONIALS AND ENDORSEMENTS SFA will compensate certain unaffiliated investment advisers, existing and former clients, and other professionals (such as CPAs, attorneys, etc.) for referring clients to us. We will pay these Page 18 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  individuals or entities (which we refer to as “solicitors”) a percentage of the advisory fee that you pay us if it is determined that you have become a client of ours as a result of their direct or indirect efforts. We will enter into written agreements with these solicitors. The payment of these referral fees will not result in an increase in the amount of the advisory fee that you pay. You will receive a disclosure describing the relationship with the solicitor, the nature of the compensation, and any conflicts of interest created by the arrangement. Additionally, SFA can endorse other investment advisers, for compensation. SFA (and, in turn, your Advisory Representative) will receive a portion of the advisory fee as a solicitor’s or referral fee when you enter into an advisory agreement with a third-party asset manager as a result of your Advisory Representative’s recommendation. These referral arrangements will comply with applicable laws that govern: the nature of the services provided; the fees to be paid;    disclosure to the referred client;  state regulations; and  client consents, as required. Any referral fee that exceeds a nominal payment will be fully described in a written Disclosure Statement which you will receive and acknowledge when you enter into an advisory agreement. ITEM 15 – CUSTODY SFA does not maintain physical custody of client assets. Your assets are maintained by a qualified custodian. It may be deemed to have custody when you authorize us to deduct advisory fees directly from your account. SFA may only deduct fees with your written authorization, and the amount of any advisory fee deducted is shown on your account statement. You will receive at least quarterly statements from the account custodian. SFA urges you to carefully review such statements and compare this official custodial record to the account statements that we may provide to you. Our statements may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Where there are differences, you should rely on the values disclosed in the custodial account statements. SFA is also deemed to have custody when you execute a Standing Letter of Authorization (SLOA) which allows your Financial Advisor to request disbursements to be sent from your account to payees as specified by you in the SLOA. You will receive notifications from the account custodian when such a disbursement is made. Annually, the custodian will send a notification to you to confirm the SLOAs which you have authorized. By limiting the manner in which we are deemed to have custody, SFA is not subject toa surprise audit requirement. Page 19 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)  ITEM 16 – INVESTMENT DISCRETION We may manage your accounts on a discretionary or non-discretionary basis. We will only manage your account on a discretionary basis upon obtaining your written consent. Your consent is typically granted and evidenced in the executed Trading Authorization and Indemnification Form and the Customer Guide to Discretionary Accounts for Strategic Choice accounts, or through the Statement of Investment Selection in the Strategic Select program. We define discretion as the authority to trade your account, without obtaining your prior consent, to select the securities and amount of securities to be bought or sold, and the timing of the purchase or sale. It does not extend to the withdrawal or transfer of your account funds. We may give advice and take action in the performance of our duties to you, which differs from advice given, or the timing and nature of action taken, with respect to other clients’ accounts. ITEM 17 – VOTING CLIENT SECURITIES As a matter of firm policy and practice, SFA does not have any authority to and does not vote proxies on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. SFA may provide advice to clients regarding the clients’ voting of proxies. You will receive information about proxies directly from your account custodian. ITEM 18 – FINANCIAL INFORMATION SFA has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. Page 20 The Strategic Financial Alliance, Inc. Disclosure Brochure (Rev.03/31/2026)