WAYFINDING FINANCIAL, LLC

ITEM 1 – COVER PAGE WAYFINDING FINANCIAL, LLC PART 2A – FIRM BROCHURE JULY 8, 2025 WAYFINDING FINANCIAL, LLC 19020 33RD AVENUE WEST, SUITE 390 LYNNWOOD, WA 98036 425-361-0707 This brochure provides information about the qualifications and business practices of Wayfinding Financial, LLC (“Wayfinding”). If you have any questions about the contents of this brochure, please contact us at 425-361-0707. 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. Wayfinding Financial, LLC is a Registered Investment Adviser. Registration as an Investment Adviser with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Additional information about Wayfinding Financial, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as an IARD number. The IARD number for Wayfinding Financial is IARD# 306208.  ITEM 2 – MATERIAL CHANGES SUMMARY OF MATERIAL CHANGES This brochure is provided further to our last brochure dated January 23, 2025, and provides information on our offering interval funds and the ability to purchase bonds through separate companies outside of Schwab. In the future, this section will discuss specific material changes that are made to the Brochure and provide clients with a summary of such changes. Following the SEC and state rules, we will ensure that clients receive a summary of any materials changes to this and subsequent Brochures within 120 days of the close of the Advisor’s fiscal year. We will provide other ongoing disclosure information about material changes, as necessary. Currently, a free copy of our Brochure may be requested by contacting Trent O’Neal, Chief Compliance Officer of Wayfinding Financial, at 425-361-0707. The Brochure is also available on our website www.wayfindingfinancial.com. ITEM 3 – TABLE OF CONTENTS ITEM 1 – COVER PAGE 0 ITEM 2 – MATERIAL CHANGES 1 ITEM 3 – TABLE OF CONTENTS 1 ITEM 4 – ADVISORY BUSINESS 2 ITEM 5 - FEES AND COMPENSATION 4 ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT 5 ITEM 7 - TYPES OF CLIENTS 6 ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS 6 ITEM 9 - DISCIPLINARY INFORMATION 8 ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS 9 ITEM 11 - CODE OF ETHICS 9 ITEM 12 - BROKERAGE PRACTICES 10 ITEM 13 - REVIEW OF ACCOUNTS 10 ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION 11 ITEM 15 – CUSTODY 11 ITEM 16 – INVESTMENT DISCRETION 11 ITEM 17 – VOTING YOUR SECURITIES 11 ITEM 18 – FINANCIAL INFORMATION 11 ADV PART 2B 12-15 WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 1  ITEM 4 – ADVISORY BUSINESS At Wayfinding Financial, LLC (“Wayfinding”) we are committed to helping clients build, manage, and preserve their wealth. Our Firm became a registered investment adviser in December 2019 and is owned by Trent O’Neal and Cathie Arthurs. Through our investment advisor representatives (“Representatives”) we provide investment advisory services for individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts, and estates. To help our clients achieve their financial goals we provide Investment Management Services and Financial Planning. In other situations, we may provide Investment Management Services for clients of a brokerage firm as described below under Financial Institution Consulting Services. INVESTMENT MANAGEMENT SERVICES We primarily manage advisory accounts on a discretionary basis, although we do have some existing clients who are managed on a non-discretionary basis. For discretionary accounts, we execute the day-to-day transactions without seeking prior client consent based on the client’s financial goals and objectives. Clients may impose restrictions on certain securities, industries, or sectors, but must advise us of any such restrictions in writing. We primarily allocate client assets among various equities, Exchanged Traded Funds (“ETFs”), no-load or load-waived mutual funds, or alternative investments. When appropriate for the client, we may utilize various fixed income securities such as bonds. To facilitate the purchase and sales of bonds, we may utilize separate and unaffiliated third-party bond trading desks (“Bond Desks”). This is commonly referred to as “trading away”, which allows us access to larger inventories for client allocations. We may utilize an interval fund for clients, which is a type of closed-end fund that periodically offers to repurchase a portion of its outstanding shares from shareholders. Unlike traditional open-end mutual funds, which offer daily liquidity, or traditional closed- end funds, which trade on exchanges, interval funds bridge the gap by offering limited, periodic liquidity. They are typically structured to invest in less liquid assets that may not be suitable for daily redeemable funds, such as private equity, real estate, credit, or other alternative investments. For specific information on the risks of investing in interval funds, clients are encouraged to review Non- Liquid Alternative Investments below in Item 8. In some cases when appropriate for the client, we may recommend utilization of a third-party money manager (“TPMM”). If a TPMM is recommended and selected by the client, we will assist the TPMM by gathering client information pertaining to financial situation, investment objectives, and reasonable restrictions to be imposed upon the management of the account. However, it is important to know that if a TPMM is utilized by the client, we will not offer advice on any specific securities or other investments in connection with the account(s) managed by the TPMM. Clients may be referred to an automated investment program in a separate and unaffiliated web-based electronic algorithm asset management program provided by Betterment LLC (“Betterment”). Betterment’s CRD # is 149117. Betterment utilizes software algorithms that take into consideration the client’s risk tolerance, age, time frame, intended use of funds, financial objectives, and goals, in efforts to create a portfolio that closely matches the investor’s overall risk/reward profile. Betterment may rebalance portfolios periodically. All trading in the Robo-Managed Program is performed on a discretionary basis by Betterment. We may also utilize fee-based annuities for clients. These annuities are not commission-based, although it is possible for clients to move an annuity to the fee-based platform that was previously charged a commission. In all cases we will work with clients to ensure the use or transition to a fee-based annuity is in their best interest. For employer-sponsored retirement plans with participant- directed investments, our Firm provides its retirement advisory services (“Retirement Plan Services”) as an investment advisor as defined under Section 3(21) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When serving as an ERISA 3(21) investment advisor, the Plan Sponsor and our Firm share fiduciary responsibility. The Plan Sponsor retains ultimate decision-making authority for the investments and may accept or reject the recommendations in accordance with the terms of a separate ERISA 3(21) Plan Sponsor Investment Management Agreement between us and the Plan Sponsor. Under the 3(21) agreement, we provide the following services to the Plan Sponsor: (1) Screen investments and make recommendations; (2) Monitor the investments, suggesting replacement investments when appropriate; (3) Provide a quarterly monitoring report; (4) Assist the plan sponsor in developing an Investment Policy Statement (“IPS”); (5) Recommend QDIA alternatives; and (6) Recommend non- WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 2  discretionary model portfolios. We can also be engaged to provide Plan Consulting Services. Plan Consulting Services includes non-fiduciary financial education to Plan participants, initial and ongoing enrollment/education workshops, benchmarking the Plan services, education to fiduciary committee members, and monitoring the service provider. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the Plan. For all Investment Management Services, we determine the client’s objectives, time horizons, risk tolerance, and liquidity needs through in-depth interviews, questionnaires, or general discussions. Based on client needs, we develop a client’s personal profile and tailor an ongoing investment strategy. It is important that clients notify us immediately if circumstances have changed with respect to their financial situation. If a non-discretionary relationship is in place, we will make investment recommendations and trade only with client authorization. In some situations, and in our sole discretion, we may designate an account(s) as a standalone account (“Standalone Account”), in which a client has requested customized investment management, long-term holding, or other instructions. Clients can also provide us with access to accounts not at the custodian through the Pontera Order Management System (“Pontera”). Through Pontera the Representative can access and trade a client’s 401(k), HSA, or other brokerage accounts. When a client requests that we manage an account through Pontera it will be governed by the Advisory Agreement (“Agreement”) signed by the client. Investments within Pontera are limited to the choices available through the custodian holding these accounts. FINANCIAL PLANNING Through the financial planning process, our team strives to engage our clients in conversations around the family’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, our team will offer financial planning ideas and strategies to address the client’s holistic financial picture, including estate, income tax, charitable, cash flow, wealth transfer, and family legacy objectives. Our team may partner with our client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets, and periodic updates. All Financial Planning clients are unique and require different services that we provide such as: (1) Review and clarification of client’s financial goals; (2) Assessment of client’s overall financial position including cash flow, balance sheet, investment strategy, risk management, and estate planning; (3) Creation of a unique plan for each goal clients have for real estate, education, retirement or financial independence, charitable giving, estate planning, business succession, and other personal goals; (4) Development of a goal- oriented investment plan; (5) Design of a risk management plan including risk tolerance, risk avoidance and mitigation; and (6) Crafting and implementation of, in conjunction with estate and/or corporate attorneys as tax advisor, an estate plan to provide for clients and/or their heirs in the event of an incapacity or death. The scope of services is selected by the Client depending on their circumstances and needs. Through Basic Financial Planning, Clients receive investment advice, financial goals and objectives analysis, financial and retirement planning. If Complex Financial Planning is required the Client will be provided career choice and transitions, wealth transfer (inheritance or giving wealth to family or charities), family changes (marriage, re-marriage and divorce), and advice for loss of life situations. Clients may also select an option for Estate Planning, which refers them to wealth.com, a separate and unaffiliated company from the Advisor that provides wills, trusts, healthcare directives, power of attorneys, etc. It is important to know what these services are provided by wealth.com, a separate and unaffiliated company from Advisor. Advisor does not provide legal advice, but merely access to wealth.com for the stated services. A written evaluation of each client's initial situation or Financial Plan may be provided to the client. An annual review can be provided by the Advisor, if indicated by the client and Advisor per the Agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 3  FINANCIAL INSTITUTION CONSULTING SERVICES Our Firm has an agreement with various agencies or firms (“Agencies”) to provide investment consulting services to certain insurance or brokerage customers. The Agencies will pay compensation to our Firm for providing investment consulting services to its insurance or brokerage customers. This consulting arrangement does not include assuming discretionary authority over brokerage accounts or insurance policies, or the monitoring of securities. These consulting services offered may include a general review of client investments holdings or policies, which may or may not result in a Representative making specific securities recommendations or offering general investment advice. This relationship presents a potential conflict of interest. It is up to the insurance or brokerage client to determine if they want Wayfinding engaged for these services, and if so, must provide Wayfinding with third-party access to the investments. Our Firm will not hold itself out to the public as engaging in brokerage activities. The Agencies and Wayfinding are separate and unrelated entities. ASSETS As of December 31, 2024, our Firm manages $314,726,561 on a discretionary basis. ITEM 5 - FEES AND COMPENSATION INVESTMENT MANAGEMENT SERVICES Our Firm charges an advisory fee (“Advisory Fee”) based on an annual percentage of client’s assets that we manage. Our maximum annual Advisory Fee is 1.25%. Advisory Fees are billed quarterly in advance based on the average daily balance during the previous calendar quarter. For any new accounts we will use the average daily balance at the end of the quarter to calculate the Advisory Fee for the partial quarter the account was open. Fees may vary and be negotiated based on the size of the account, complexity of the portfolio, familial relationship, extent of activity in the account, etc. The specific fee and billing arrangement is detailed in the Advi- sory Agreement that a client signs to engage our Firm. The Advisory Agreement also provides us with authority to debit Advisory Fees directly from our clients’ account(s). All Advisory Fees are stated in the statements clients receive from the custodian (“Custo- dian”) that holds the account(s). For situations where we recommend, and the client engages a TPMM through a separate agreement, it is important to know that the TPMM charges a fee that is separate, distinct, and in addition to the Advisory Fee we charge. For clients who utilize Betterment, the Advisory Fee we charge is shared between us and Betterment. For Standalone Accounts, we charge the client 25 basis points (0.25%) annually, although in some cases we may waive the fee completely. While designating a Standalone Account is done to benefit the client, we have a conflict of interest in moving the client out of the Standalone Account in order to earn more in Advisory Fees. In all cases, we must act as a fiduciary and place the client’s interests in front of our own. Clients may terminate the Advisory Agreement immediately upon written notice. If terminated, any unearned Advisory Fees will be rebated back to the account through an electronic credit or check to the client. Upon termination, the client will be responsible for monitoring the securities in their account, and we will have no further obligation to act or advise with respect to those assets. In the event of client’s death or disability, Wayfinding will continue management of the account until we are notified of client’s death or disability and given alternative instructions by an authorized party. For Retirement Plan Services, we charge an annual fee (“Retirement Plan Fee”) as negotiated with the client and as disclosed in the Retirement Plan Services agreement (“Plan Sponsor Agreement”) and will not exceed 1.25% annually. The Retirement Plan Fee begins with the effective date of the Plan Sponsor Agreement. For that calendar quarter, fees will be adjusted pro rata based upon the number of calendar days in the calendar quarter that the Agreement was effective. Our Retirement Plan Fee is billed in arrears on the last business day of the quarter or as indicated on the Plan Sponsor Agreement. For plans where we are authorized in the Plan Sponsor Agreement to debit our fee from the Custodian, our Retirement Plan Fee is deducted directly from the participant accounts. Either party may terminate the Plan Sponsor Agreement at any time upon immediate notice. Clients are responsible to pay for services rendered until the termination of the agreement. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 4  Unless the client directs otherwise, we will generally recommend either Charles Schwab & Company (“Schwab”) or Betterment LLC to serve as the broker-dealer/custodian (“Custodian”) for client assets. Neither Schwab nor Betterment are related entities to Wayfinding Financial, LLC. Custodian charges transaction fees for effecting certain securities transactions (i.e. transaction fees for certain no-load mutual funds, individual equity, and fixed income securities transactions, etc.). If the client utilizes a fee-based annuity, it is important for them to know that fees charged by the insurance company or insurance agencies are separate and in addition to our Advisory Fees. Some clients may use other custodians in addition to those noted above, for such things as 529 or retirement plan accounts. When you open an account at the Custodian or in accounts managed through Pontera, you are responsible for the transaction charges, fees and other expenses charged by the investments. In addition to our Advisory Fee and Custodian charges (transaction fees), clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). Accordingly, the client should review the fees charged by the investments, Custodian, Third Party Money Managers, insurance companies and agencies and our Advisory Fee to fully understand the total amount of the fees being paid. Additionally, the investments selected for the clients are not exclusively available to the Advisor and could be obtained through other unaffiliated firms and potentially at a lower fee. In some cases, we may have the option to utilize an investment that has no transaction fees (“NTF”). In our decision to purchase any NTF, we consider our expected holding period of the fund, the position, performance, size, and the expense ratio of the fund versus alternative funds. Depending on our analysis and future events, NTF funds might not always be in a client’s best interest. FINANCIAL PLANNING For our Investment Management clients, financial planning services are included in the Investment Management fees described above. For stand-alone financial planning arrangements, Wayfinding will charge the client a planning fee (“Planning Fee”) using a fixed fee. Our Financial Planning Fee will be agreed upon in advance of services being performed and clearly shown in the Financial Planning Agreement. The fee will be determined based on factors including whether single or as married or complexity of the client’s financial situation. Financial Planning Fees for financial plans range from $1,000 to $2,000 depending on the service requested by the client. If a Client selects the Estate Planning Option, the fee charged for that service is separate, and in addition to the Financial Planning Fee. Typically, we complete a plan within a month and will present it to the client within 90 days of the contract date, provided all information needed to prepare the financial plan has been delivered to us. Planning Fees are billed at the execution of the Financial Planning Agreement. Clients may terminate the financial planning agreement by providing us with written notice. There is no penalty for termination of a financial planning agreement prior to the plan being delivered to the client. We will not require prepayment of more than $1,200 in fees per client, six (6) or more months in advance of providing any services. We may make recommendations to purchase insurance products during the Financial Planning process. This creates a conflict of interest in recommending products or services where Wayfinding and/or the Representative receives compensation. However, we will make all recommendations independent of such considerations and based solely on our obligations to consider the client’s objectives and needs. Clients have the option to purchase investment products we recommend through us or through the agent of their choice. FINANCIAL INSTITUTION CONSULTING SERVICES For brokerage customers who have provided third-party access to Wayfinding, we receive a flat consulting fee of $65 each quarter for each Contract with a market value equal to or greater than $50,000 as of the calendar quarter end. No compensation is paid for those Contracts with values less than $50,000. Client may terminate this authorization at any time with written notice to our Firm. ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT We do not charge advisory fees on a share of the capital appreciation of the funds or securities in a client account (so-called performance-based fees). WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 5  ITEM 7 - TYPES OF CLIENTS We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts, estates, and broker-dealers. In some cases, we provide investment advice to insurance companies whose clients have utilized brokerage-based insurance products. We do not have minimum dollar amount to open and maintain an advisory account with our Firm. ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS METHODS OF ANALYSIS AND INVESTMENT STRATEGIES Wayfinding utilizes personalized investment strategies to meet the needs and goals of clients. We provide a consultative process which combines both comprehensive financial planning concepts along with a disciplined investment allocation aligned with planning based individualized client’s risk/return needs. Asset Allocation: Asset Allocation is the process of attempting to maximize our client’s portfolio objectives while minimizing the associated risks. We manage diversified portfolios utilizing Exchange Traded Funds (ETFs) and actively managed institutional share class mutual funds to provide a long-term core strategic asset allocation. The strategic allocation decisions generally consider the recommendation of the recognized best in the business firms’ security research (i.e. Morningstar, Fidelity Institutional Asset Management, Blackrock, and other third-party sources). These core allocations will focus on seeking non-correlated assets to reduce short-term volatility. We also will incorporate short-term tactical themes representing opportunities given the current state of the economy. Mutual Fund and/or ETF Analysis: We use ETFs to appropriately weight sectors, geographies, market-caps, and styles to ensure portfolios accurately reflect opportunity within capital market assumptions over time. We look at the underlying assets in a mutual fund or ETF to determine if there is significant overlap in the underlying investments held in other fund(s) in the client’s portfolio. We also monitor the funds or ETFs to determine if they are continuing to follow their stated investment strategy. A risk of mutual fund and/or ETF analysis is that, as in all securities investments, past performance does not guarantee future results. Since we do not control the underlying investments in a fund or ETF, managers of different funds held by the client may purchase the same security thereby increasing the risk to the client if that security were to fall in value. There is also a risk that a manager may deviate from the stated investment mandate or strategy of the fund or ETF which could make the holding(s) less suitable for the client’s portfolio. Constraints: We believe wealth can be achieved through a disciplined, managed approach that remains fully invested. Market timing techniques generally will not be employed. Over the course of a market cycle, we may be under or overweight in certain sectors to take advantage of potential market opportunities. Positions may be increased or reduced as price, performance, and market conditions warrant. Clients should keep in mind that historical short-term results have been a less reliable indicator of management performance than compounded returns generated over longer periods of time. Ongoing Review: Communication with clients is ongoing with a focus on progress to the client’s investment planning goals. In addition to quarterly account statements from the Custodian, we send clients a personalized quarterly performance evaluation. The evaluation reviews asset allocation and highlights account performance according to stated guidelines. It also supplies relevant benchmarks against which clients may use to help evaluate performance. Investment performance will be reviewed at least annually to determine the continued feasibility of achieving the client’s objectives. Wayfinding rebalances portfolios on a regular basis to ensure investment allocations remain consistent to client objectives. Periodically we may encounter economic conditions that warrant temporary adjustments to the asset allocation of an investment strategy or portfolio. If we believe that these conditions present either an increase in risk or opportunity for that particular asset class, we may alter the appropriate allocation to reflect this conviction. Third Party Money Managers: As noted above, we may recommend the use of a TPMM to manage some or all a client’s investments. A risk of investing with a TPMM who has been successful in the past is that they may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in a manager’s portfolio, there is also a risk that the manager WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 6  may deviate from the stated investment mandate or strategy of the portfolio, making it a less suitable investment for our clients. Moreover, as we do not control the manager’s daily business and compliance operations, we may be unaware of the lack of internal controls necessary to prevent business, regulatory, or reputational deficiencies. Fixed Income: Our investment strategies may include the allocation of client assets to fixed income securities. When implementing fixed income strategies, such as bond ladders or actively managed bond portfolios, we may execute trades through various Bond Desks. We evaluate the suitability of bond investments for each client based on their risk tolerance, investment objectives, and time horizon. Risks associated with bond investments include, but are not limited to, interest rate risk, credit risk, inflation risk, and liquidity risk. Alternative Investments: If deemed appropriate for a client’s portfolio, we may recommend investments classified as "alternative investments”. Alternative investments may include a broad range of underlying assets including, but not limited to, hedge funds, private equity, venture capital, and registered, publicly traded securities. Alternative investments are speculative, not suitable for all clients, and intended for only experienced, sophisticated investors who are willing to bear the high risk of the investment. RISK OF LOSS A client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws, and national and international political circumstances. Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Wayfinding will assist clients in determining an appropriate strategy based on their tolerance for risk. Each client engagement will entail a review of the client’s investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a client’s account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a client’s account(s). Wayfinding shall rely on the financial and other information provided by the client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the client to inform Wayfinding of any changes in financial condition, goals, or other factors that may affect this analysis. Our methods rely on the assumption that the underlying companies within our security allocations are accurately reviewed by the rating agencies and other publicly available sources of information about these securities, are providing accurate and unbiased data. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate or misleading information. Investors should be aware that accounts are subject to the following risks: Market Risk: Even a long-term investment approach cannot guarantee a profit. Economic, political, and issuer-specific events will cause the value of securities to rise or fall. Since the value of investment portfolios will fluctuate, there is risk of losing money and investment may be worth upon liquidation. Foreign Securities and Currency Risk: Investments in international and emerging-market securities include exposure to risks such as currency fluctuations, foreign taxes and regulations, and the potential for illiquid markets and political instability. Capitalization Risk: Small-cap and mid-cap companies may be hindered because of limited resources or less diverse products or services. Their stocks have historically been more volatile than the stocks of larger, more established companies. Interest Rate Risk: In a rising rate environment, the value of fixed-income securities generally declines, and the value of equity securities may be adversely affected. Credit Risk: The risk that the issuer of a security may be unable to make interest payments and/or repay principal when due. A downgrade to an issuer’s credit rating or a perceived change in an issuer’s financial strength may affect a security’s value and thus impact the fund’s performance. Securities Lending Risk: Securities lending involves the risk that the fund loses money because the borrower fails to return the securities in a timely manner or at all. The fund could also lose money if the value of the collateral provided for loaned securities, or the value of the investments made with the cash collateral, falls. These events could also trigger adverse tax consequences for the fund. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 7  Exchange Traded Funds: ETFs face market-trading risks, including the potential lack of an active market for shares, losses from trading in the secondary markets, and disruption in the creation/redemption process of the ETF. Any of these factors may lead to the fund’s shares trading at either a premium or a discount to its “net asset value.” Performance of Underlying Managers: We select the mutual funds and ETFs in the asset allocation portfolios. However, we depend on the manager of such funds to select individual investments in accordance with their stated investment strategy. Non-Liquid Alternative Investments: From time to time, we recommend to certain qualifying clients that a portion of such clients’ assets be invested in interval funds, private funds, private fund-of-funds, and/or other alternative investments (collectively, “Non- Liquid Alternative Investments”). Non-Liquid Alternative Investments are not suitable for all clients and are offered only to those qualifying clients for whom we believe such an investment is suitable and in line with their overall investment strategy. Non-Liquid Alternative Investments typically are available to only a limited number of sophisticated investors who meet the definition of “accredited investor” under Regulation D of the Securities Act of 1933, as amended (the “Securities Act”), or “qualified client” under the Investment Advisers Act of 1940, or “qualified purchaser” under the Investment Company Act of 1940. Non-Liquid Alternative Investments present special risks for our clients, including without limitation: limited liquidity, higher fees and expenses, volatile performance, no assurance of investment returns, heightened risk of loss, limited transparency, additional reliance on underlying management of the investment, special tax considerations, subjective valuations, use of leverage, and limited regulatory oversight. When a Non-Liquid Alternative Investment invests part or all of its assets in real estate properties, there are additional risks that are unique to real estate investing, including but not limited to: limitations of the appraisal value; the borrower’s financial conditions (if the underlying property has been obtained by a loan), including the risk of foreclosures on the property; neighborhood values; the supply of and demand for properties of like kind; and certain city, state, and/or federal regulations. Additionally, real estate investing is also subject to possible loss due to uninsured losses from natural and man-made disasters. The above list is not exhaustive of all risks related to an investment in Non-Liquid Alternative Investments. A more comprehensive discussion of the risks associated with a particular Non-Liquid Alternative Investment is set forth in that fund’s offering documents, which will be provided to each client subscribing to a Non-Liquid Alternative Investment, for review and consideration. It is important that each potential, qualified investor carefully read each offering or private placement memorandum prior to investing. Options and Other Derivatives Risk: Client portfolios may purchase or sell options, warrants, equity-related swaps, or other derivatives that trade on an exchange. Both the purchasing and selling of call and put options entail risks. An investment in an option may be subject to greater fluctuation than an investment in the underlying securities. The effectiveness of purchasing or selling stock index options as a hedging technique depends upon the extent to which price movements in the hedged portfolios correlate with price movements of the stock index selected. Being that the value of an index option depends upon movements in the level of the index rather than the price of a particular security, whether a portfolio realizes a gain or loss will depend upon movements in the level of security prices in securities markets generally rather than movements in the price of a particular security. Interest Rate Risk: Refers to the risk that the market value of bonds will go down when interest rates go up. Due to this risk, investors can lose money in any bond fund or laddered individual bond portfolio, if a bond is sold before its maturity date. Interest rate risk applies to investments in insured bonds and U.S. Treasury Bonds. Longer-term bonds and bond funds tend to have higher interest rate risks. Credit Risk: The risk that companies or other issuers may fail to pay their debts (including the debt owed to holders of their bonds). Consequently, this affects individual bond ladders, mutual funds, and exchange traded funds (ETFs) that hold these bonds. Credit risk is less of a factor in investments including insured bonds or U.S. Treasury Bonds. By contrast, those that invest in the bonds of companies with poor credit ratings generally will be subject to higher risk. Prepayment Risk: Issuers may choose to pay off debt earlier than the stated maturity date on a bond. For example, if interest rates fall, a bond issuer may decide to “retire” its debt and issue new bonds that pay a lower rate. When this happens, proceeds from the sale of individual bonds or a bond fund may not be able to be reinvested in an investment with as high a return or yield. ITEM 9 - DISCIPLINARY INFORMATION We do not have any legal, financial, or other “disciplinary” item to report. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 8  ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS As noted above, some Representatives are also licensed to sell insurance and may receive commissions from the sales of insurance products such as life, disability, and fixed annuities. Should a client wish to purchase insurance from the Representatives with assets that are not advisory assets, the client will pay the premium or commission on those assets that are separate and distinct from any Advisory Fee. This could create a conflict for the Representative to sell a product to make a commission—but in all cases the client interests must be placed before ours. Representatives, when acting as an insurance Agent, may also receive commission trails from the sale of insurance products. If a client has an annuity previously purchased and they move the same to a fee-based annuity, it is important for them to know the fee-based annuity will be charged an Advisory Fee. Our firm does not have any direct ownership or control relationship with any utilized Bond Desk. We do not receive any direct compensation from any Bond Desk for using their services to execute bond trades on behalf of clients. ITEM 11 - CODE OF ETHICS We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include:  A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding   (upon hire, and annually); Prohibitions on the misuse of material non-public information; Personal securities trading policies and procedures (governing not only our employee, but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: “Front-run” or trade in anticipation of client transactions; o Trade on inside information; o o Trade or participate in any activity prohibited under the federal securities laws; or o Place their interests in front of clients. We strive to achieve the highest ethical and fiduciary standards (in dealing with clients, the public, vendors, prospective clients, and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in client accounts. We have a strict policy against using the trade flow of clients to economically benefit our Firm or Representatives and we monitor the transactions of Representative’s accounts to ensure that client interests are placed first. We provide services for various other clients. We may give advice or take actions for our clients that differ from the advice given to other clients. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at 425-361-0707. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 9  ITEM 12 - BROKERAGE PRACTICES As noted above, we work primarily with Schwab or Betterment for administrative convenience and because they offer good value to our clients for the transaction costs and other costs incurred. If a client is referred to Betterment, they will use Betterment Securities as their Custodian, which is the affiliated broker-dealer of Betterment. The client is not obligated to affect transactions through any broker-dealer recommended by Wayfinding. In recommending custodians, we will comply with our fiduciary duty to seek best execution and will consider such relevant factors as: (1) price; (2) the Custodian’s facilities, reliability, and financial responsibility; (3) the ability of the Custodian to effect transactions, particularly with regard to such aspects as timing, order size, and execution of order; and (4) Any other factors that we consider to be relevant. We may aggregate trades for clients. The allocations of a particular security will be determined before the trade is placed with the broker. When practical, client trades in the same security will be bunched in a single order (“block”) to obtain best execution at the best security price available. When employing a block trade: (1) we will make reasonable efforts to attempt to fill client orders by day-end; (2) if the block order is not filled by day-end, we will allocate shares executed to underlying accounts on a pro rata basis, adjusted as necessary to keep client transaction costs to a minimum; (3) if a block order is filled (full or partial fill) at several prices through multiple trades, an average price and commission will be used for all trades executed; (4) all participants receiving securities from the block trade will receive the average price; and (5) only trades executed within the block on the single day may be combined for purposes of calculating the average price. When executing transactions for client accounts, including bond purchases and sales, our firm seeks to obtain 'best execution,' meaning the most favorable terms reasonably available under the circumstances. This includes consideration of various factors such as the price of the security, commission rates or other transaction costs, the size and type of the transaction, the market for the security, the difficulty of execution, and the financial responsibility of the broker-dealer. To achieve best execution for bond transactions, we may utilize third-party Bond Desks. These Bond Desks provide access to a wide range of bond inventory and competitive pricing. We may utilize some Bond Desks more frequently due to familiarity, comprehensive offerings, competitive pricing, ease of use, ability to source specific bonds, etc. When exercising discretionary authority over client accounts, we have the authority to select the broker-dealers or bond trading platforms used for executing transactions. Our selection is based on our ongoing duty to seek best execution for our clients. It is expected that this trade aggregation and allocation policy will be applied consistently. However, if application of this policy results in unfair or inequitable treatment of some or all our clients, we may deviate from this policy. ITEM 13 - REVIEW OF ACCOUNTS Accounts are reviewed by our Chief Compliance Officer who is responsible for overseeing all investment advisory activities for the firm, although such reviews may be assigned or delegated to an appropriate reviewer. The frequency of reviews is determined based on the client investment objectives. Accounts are generally reviewed quarterly, but in any event, no less than annually. More frequent reviews may be triggered by a change in a client’s investment objectives, tax considerations, large deposits or withdrawals, large sales or purchases, loss of confidence in corporate management, or changes in the economic climate. Investment advisory clients receive standard account statements from the Custodian of their accounts typically on a monthly basis. We may also provide clients with a written report summarizing their account(s). There may be a difference between the report provided by Wayfinding and the statement from the Custodian based on settlement versus trade date accounting, dividends, or accrued interest. It is important that clients rely on the value as provided by the Custodian for the actual value of their accounts. Additionally, we have contracted with various technology firms (“Technology Firms”), all unaffiliated firms to utilize their technology platforms which support our data reconciliation, performance reporting, fee calculation, client relationship maintenance, quarterly performance evaluations, and other functions related to the administrative tasks of managing client accounts. Due to these arrangements, these Technology Firms will have access to client accounts, but will not serve as an investment advisor to our clients or bill the accounts. These Technology Firms charge us a fee to utilize the software that is born by our Firm. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 10  ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION We pay referral fees that were initially set up in accordance with Rule 206 (4)-3 of the Investment Advisers Act of 1940. However, we now are paying these fees under the SEC Marketing Rule that was finalize in 2020. This arrangement will not result in higher costs to our clients. All clients referred to our Firm will be given a full written disclosure describing the terms and fee arrangements between our Firm and the referring party. Our Firm does not accept compensation for client referrals. As noted above, we typically recommend Schwab or Betterment as the Custodian for client assets, although it is the client’s ultimate decision to select the custodian. The Custodians provide us economic benefits that include the following products and services (provided without cost or at a discount): receipt of duplicate client statements and confirmations, research related products and tools; consulting services; access to a trading desk serving advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; transition fee reimbursement, access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third-party vendors. Some of the products and services made available by the Custodian may benefit us but may not benefit client accounts. These products or services may assist us in managing and administering accounts, including accounts not maintained at the Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits received by our Firm or our personnel through participation in the program do not depend on the amount of brokerage transactions directed to the Custodian. As part of our fiduciary duties to clients, we always endeavor to put the interests of our clients first. Clients should be aware; however, that the receipt of economic benefits by our Firm or our related persons in and of itself creates a conflict of interest and may indirectly influence our choice of either Schwab or Betterment for custody and brokerage services. ITEM 15 – CUSTODY As noted in the Advisory Agreement signed by the client, we do have the ability to deduct our advisory fee directly from client accounts. Additionally, we are reporting custody on certain accounts where the client has requested the ability to electronically transfer assets to a third-party through a standing limited power of attorney (known as a SLOA). Although we do not have any relationship, affiliation, or share an address with any of the third parties, we are following SEC guidelines to report having custody of these assets. Other than these situations, we do not have custody of any client assets. ITEM 16 – INVESTMENT DISCRETION Clients grant us discretion through a limited power of attorney to select, purchase, or sell securities without obtaining client specific consent within client accounts. Our Advisory Agreement will provide us with discretion authority to trade accounts. ITEM 17 – VOTING YOUR SECURITIES We will not vote proxies on clients’ behalf. Clients are welcome to vote proxies or designate an independent third-party at their own discretion. Proxy voting authority is designated in the custodial account documents. Proxy materials must be sent directly to the client or assigned to a third party. Clients can contact our office with questions about a particular solicitation by phone at 425-361- 0707. ITEM 18 – FINANCIAL INFORMATION We do not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. Therefore, we are not required to include a balance sheet for our most recent fiscal year. The Firm received a Paycheck Protection Plan Loan ($26,557.00) through the SBA in conjunction with the relief afforded from the CARES Act. The Firm procured the loan to guarantee payroll due to the potential of decreased revenue associated with the unprecedented health pandemic. It also aids in supporting and retaining our staff and ongoing operations due to the potential for continued revenue decline in 2020. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 11  ITEM 1 – COVER PAGE WAYFINDING FINANCIAL, LLC Trent J. O’Neal PART 2B – SUPPLEMENTAL BROCHURE JULY 8, 2025 WAYFINDING FINANCIAL, LLC 19020 33RD AVENUE, SUITE 390 LYNNWOOD, WA 98036 425-361-0707 The Brochure Supplement provides information about Trent J. O’Neal (CRD# 5633010) that supplements the Wayfinding Financial, LLC’s Brochure. You should have received a copy of the Brochure. Please contact the Chief Compliance Officer at 425-361-0707 if you did not receive Wayfinding Financial, LLC’s Brochure or if you have any questions about the contents of this supplement. Additional information about Trent O’Neal is available on the SEC’s website at SEC Adviser Info. You can search this site by a unique identifying number, known as the CRD number listed above. Additional information about Wayfinding Financial, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as an IARD number. The IARD number for Wayfinding Financial is IARD# 306208. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 12  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Trent O’Neal was born in 1985. He obtained a Bachelor of Science in Business Administration from the University of Nevada in 2007. He was a Financial Advisor with Merrill Lynch from 2008 to 2013. From 2013 through 2019 he was a Financial Advisor with Wells Fargo Advisors Financial Network, LLC. In 2019 he founded Wayfinding Financial, LLC where he is a Financial Advisor. He holds a Charted Retirement Planning Counselor (CRPC®) The CRPC® program is administered by the College for Financial Planning. Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of- course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. ITEM 3 – DISCIPLINARY INFORMATION Trent O’Neal has no history of any legal or disciplinary events that would be material to a client’s consideration of Wayfinding Financial, LLC. ITEM 4 – OTHER BUSINESS ACTIVITIES Trent O’Neal is a licensed insurance agent. In such capacity, he offers fixed insurance products to clients and receives normal and customary commissions and trails because of any purchases of insurance products made by clients. The potential for receipt of commissions and other compensation gives him incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. To address this, disclosure is made to the client at the time purchase is made, identifying the nature of the transaction or relationship, the role to be played and any compensation (e.g., commissions, trails) to be paid by the client and/or received by the insurance agent. He will always act in the best interest of his clients and act as a fiduciary in carrying out services to clients. It should be noted that the client is under no obligation to purchase insurance products through Trent O’Neal. ITEM 5 – ADDITIONAL SERVICES Trent O’Neal does not receive any economic benefit for providing advisory services beyond the scope of Wayfinding Financial, LLC and activities listed in Item 4 above. ITEM 6 – SUPERVISION Supervision is conducted by the Chief Compliance Officer, Trent O’Neal, who is responsible for administering the policies and procedures. Trent O’Neal reviews those policies and procedures annually for their adequacy and the effectiveness of their implementation. All policies and procedures of the firm are followed. Trent O’Neal can be reached at 425-361-0707 or trent.oneal@wayfindingfinancial.com. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 13  ITEM 1 – COVER PAGE WAYFINDING FINANCIAL, LLC Cathie Arthurs PART 2B – SUPPLEMENTAL BROCHURE JULY 8, 2025 WAYFINDING FINANCIAL, LLC 19020 33RD AVENUE, SUITE 390 LYNNWOOD, WA 98036 425-361-0707 The Brochure Supplement provides information about Cathie Arthurs (CRD# 5073528) that supplements the Wayfinding Financial, LLC’s Brochure. You should have received a copy of the Brochure. Please contact the Chief Compliance Officer at 425-361-0707 if you did not receive Wayfinding Financial, LLC’s Brochure or if you have any questions about the contents of this supplement. Additional information about Cathie Arthurs is available on the SEC’s website at SEC Adviser Info. You can search this site by a unique identifying number, known as the CRD number listed above. Additional information about Wayfinding Financial, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as an IARD number. The IARD number for Wayfinding Financial is IARD# 306208. WAYFINDING FINANCIAL LLC JULY 8, 2025 | PAGE 14  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Cathie Arthurs was born in 1974. She attended Wenatchee Valley College in 1992 and Pacific University in 1993. She started in the financial services industry in 2006 when she registered as a registered representative and investment advisor representative with Cuna Brokerage Services. From 2007 until 2011 she was a registered representative with Allstate Financial Services. From 2012 to 2017 she was a financial advisor with Conover Capital Management. From 2017 through 2020 she was an advisor with Edelman Financial Advisors (Financial Engines Advisors, LLC). From January 2021 through November 2021, she was an advisor with Helium Financial Advisors. In 2021 she joined Wayfinding Financial, LLC as a financial advisor. ITEM 3 – DISCIPLINARY INFORMATION Cathie Arthurs has no history of any legal or disciplinary events that would be material to a client’s consideration of Wayfinding Financial, LLC. ITEM 4 – OTHER BUSINESS ACTIVITIES Cathie Arthurs is a licensed insurance agent. In such a capacity, she offers fixed insurance products to clients and receives normal and customary commissions and trails because of any purchases of insurance products made by clients. The potential for receipt of commissions and other compensation gives her incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. To address this, disclosure is made to the client at the time purchase is made, identifying the nature of the transaction or relationship, the role to be played and any compensation (e.g., commissions, trails) to be paid by the client and/or received by the insurance agent. She will always act in the best interest of his clients and act as a fiduciary in carrying out services to clients. It should be noted that the client is under no obligation to purchase insurance products through Cathie Arthurs. ITEM 5 – ADDITIONAL SERVICES Cathie Arthurs does not receive any economic benefit for providing advisory services beyond the scope of Wayfinding Financial, LLC and activities listed in Item 4 above. ITEM 6 – SUPERVISION Cathie Arthurs is supervised through a compliance program designed to prevent and detect violations of the federal and state securities laws. Supervision is conducted by the Chief Compliance Officer, Trent O’Neal, who is responsible for administering the policies and procedures. Trent O’Neal reviews those policies and procedures annually for their adequacy and the effectiveness of their implementation. All policies and procedures of the firm are followed. Trent O’Neal can be reached at 425-361-0707 or trent.oneal@wayfindingfinancial.com. 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