DEAN, JACOBSON FINANCIAL SERVICES, LLC

The advisory business provides financial services to clients, including advisory account statements, confirmations following each brokerage account transaction, and business evaluation and succession planning. Advisory account statements are generated at least quarterly and sent directly to the account owner from their broker dealer, product sponsors, custodian, or retirement plan administrator. These statements list the account positions, activity in the account over the covered period, and other related information. The advisory business also helps business owners convert their business into cash and move successfully into their post-business lives. This process involves developing a specific, customized, and executable roadmap through the often complex steps of business succession. The advisory business strives to help business owners maximize the financial return, minimize the tax liability, plan for contingencies, and increase the likelihood of a successful transfer of the business. This process typically takes at least nine months to develop and will involve combining the expertise of multiple professional advisors to address tax, legal, business and even life/death issues.

The Adviser primarily focuses on Strategic Asset Allocation (SSA), a long-term investment approach that involves setting a specific asset allocation based on the client's goals and resources. This approach emphasizes diversification across various asset classes, aiming to reduce portfolio volatility and potentially enhance returns. The Adviser believes that mutual funds are the best investment method for most clients and utilizes actively managed mutual funds, index-linked ETFs, and other unique investment offerings. In addition to SSA, the Adviser employs Dynamic Asset Allocation (DAA) as a tactical strategy for specific clients. DAA is a quantitative approach that responds to market conditions and aims to improve returns by adjusting asset allocation based on broad market research and data. The Adviser utilizes seven model portfolios, each incorporating a combination of actively managed mutual funds, index-linked ETFs, and both strategic and tactical investment strategies. These portfolios cater to various risk tolerances and investment goals, ranging from balanced/conservative to aggressive/growth.

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