General Disclosures

FinanceCreation Advisers LLC (“FinanceCreation Advisers”) is an SEC-registered investment adviser. FinanceCreation Brokerage LLC (”FinanceCreation Brokerage”), member FINRA / SIPC, provides brokerage products and services. FinanceCreation Software LLC (“FinanceCreation Software”) offers a free software-based financial advice engine that delivers automated financial planning tools to help users achieve better outcomes.

FinanceCreation Advisers, FinanceCreation Brokerage, and FinanceCreation Software are all wholly owned subsidiaries of FinanceCreation Corporation (“FinanceCreation”). FinanceCreation and its affiliates operate a website at www.FinanceCreation.com and a mobile application ("our website" (which includes our blog), "our app")..

FinanceCreation Advisers provides investment advisory services to clients, but does not provide personalized financial planning to investors, such as estate, tax, or retirement planning. Nothing on our website or our app should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Advisory services are only provided to investors who become advisory clients of FinanceCreation Advisers ("Clients") pursuant to a written Advisory Client Agreement, which investors are urged to read and carefully consider in determining whether such agreement is suitable for their individual facts and circumstances. (Part 2 of FinanceCreation Advisers’ Form ADV can be found here.

Past Performance Is No Guarantee Of Future Results, And Any Expected Returns Or Hypothetical Projections May Not Reflect Actual Future Performance. Furthermore, Past Returns May Reflect The Performance Of Assets For A Finite Time, Or During A Period Of Extreme Market Activity. All Investments Involve Risk And May Lose Money. There can be no assurance that an investment mix or any projected or actual performance shown on the Site or App will lead to the expected results shown or perform in any predictable manner. It should not be assumed that investors will experience returns in the future, if any, comparable to those shown or that any or all Clients actually experienced such returns.

FinanceCreation Advisers’ investment strategies, including portfolio rebalancing and tax loss harvesting, can lead to high levels of trading. High levels of trading could result in (a) bid-ask spread expense; (b) trade executions that may occur at prices beyond the bid ask spread (if quantity demanded exceeds quantity available at the bid or ask); (c) trading that may adversely move prices, such that subsequent transactions occur at worse prices; (d) trading that may disqualify some dividends from qualified dividend treatment; (e) unfulfilled orders or portfolio drift, in the event that markets are disorderly or trading halts altogether; and (f) unforeseen trading errors.

As part of transferring your account to FinanceCreation Advisers, we will apply our algorithms to sell your transferred account, seeking to minimize any potentially negative tax impact and optimizing for other factors, and invest the proceeds into a FinanceCreation portfolio. Liquidating your transferred account may cause, among other things, realized capital gains or losses in specific securities, surrender fees, and redirection of declared dividends or distributions. Also be aware selling down securities prior to transfer could subject you to the same risks.

All product names, logos, and brands are property of their respective owners. Use of these names, logos, and brands is for identification purposes only, and does not imply endorsement or affiliation.

FinanceCreation Advisers Process

FinanceCreation Advisers' methodology is based on Modern Portfolio Theory, for which the Nobel Prize was awarded in 1990. It is considered state-of-the-art portfolio modeling, but is only one possible way to invest. Clients should be aware that FinanceCreation Advisers’ process is based in part on a careful evaluation of past price performance and volatility in order to evaluate future probabilities. Although FinanceCreation Advisers seeks multiple asset classes for its Clients in order to diversify portfolios, it is possible that different or unrelated asset classes may all exhibit similar price changes in similar directions. This correlation of price behavior may adversely affect a Client, and may become more acute in times of market upheaval or high volatility.

ETF Selection Disclosures

The securities employed in Client accounts are exchange-traded funds or other publicly registered funds ("ETFs"), which generally are registered investment companies under the Investment Company Act of 1940. Although FinanceCreation Advisers believes its selection process identifies ETFs with high liquidity, low expenses, and low tracking error, FinanceCreation Advisers’ selection process does not guarantee the quality of a particular ETF or that it will 1) be profitable, 2) properly track any comparable index, 3) trade in a liquid fashion, or 4) trade at or above its publicly-posted net asset value.

FinanceCreation Advisers reserves the right to change at any time the selection of ETFs that it recommends if, in FinanceCreation Advisers’ sole discretion, any ETF does not meet requirements for continued listing on the platform. Clients should be aware that changes in the selection of ETFs employed by FinanceCreation Advisers’ investment management service may result in the sale of their existing holdings and may subject them to additional tax liability.

ETFs are only one type of securities product, and FinanceCreation Advisers generally does not make available to Clients other types of securities products that an investor may wish to consider as part of his or her overall financial plan. Other ETFs or investment products may provide different performance.

Client-Defined Portfolios

Clients who elect to customize the securities and allocations in their investment account(s) authorize FinanceCreation Advisers to effect securities transactions in their account in accordance with their election. However, such clients also understand and agree that FinanceCreation Advisers retains full discretion over the securities and allocations in their portfolio. In certain situations, the securities and allocations in a client’s portfolio may differ from securities and allocations elected by the client. A lack of liquidity, market conditions, unavailable pricing, software failure, tax considerations, wash sale prevention, and other factors may prevent FinanceCreation Advisers from effecting transactions in accordance with a client’s specified election. Clients should note that ETF categorization and descriptions are editorial and provided by FinanceCreation Advisers for your convenience. Clients should always read an ETF’s prospectus prior to making any investment decision.

ETF Fee and Performance Disclosure

An ETF typically includes embedded expenses that may reduce its net asset value, and therefore directly affect its performance and indirectly affect a Client’s portfolio performance or an index benchmark comparison. These expenses may include management fees, custodian fees, and legal and accounting fees. ETF expenses may change from time to time at the sole discretion of the ETF issuer. FinanceCreation Advisers discloses each ETF’s current information, including expenses, on the Site or App. ETF tracking error and expenses may vary.

Furthermore, ETF performance may not exactly match the performance of the index or market benchmark that the ETF is designed to track because 1) the ETF incurs expenses and transaction costs not incurred by any applicable index or market benchmark; 2) certain securities comprising the index or market benchmark tracked by the ETF may, from time to time, temporarily be unavailable; and 3) supply and demand in the market for either the ETF and/or for the securities held by the ETF may cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities owned by the ETF.

Certain ETF strategies may from time to time include fixed income, commodities, foreign securities, American Depositary Receipts, or other securities for which expenses could be higher than otherwise charged for exchange-traded equity securities, and for which market quotations or valuation may be limited or inaccurate.

Clients should be aware that in some limited instances it may be difficult or impossible to trade the Clients’ securities. This liquidity risk may be caused by numerous factors, including but not limited to: 1) extreme market volatility, 2) a decision by exchange participants to withhold some or all of their quoted market bids, 3) exchange technical issues or exchange closure, 4) delisted or halted securities, and/or 5) a position across Client accounts that is large relative to the average daily trading volume of the security.

Performance Disclosures

Performance information is presented net of all management fees and expenses unless marked otherwise. Commissions are not considered since Clients on the FinanceCreation Advisers’ platform are not charged trading commissions. For all periods the performance information includes the reinvestment of dividends and interest unless otherwise noted.

Any comparison to traditional financial advisors is based on an evaluation of average fees and returns. Actual results may be different for each investor and there can be no guarantee of enhanced returns due to additional diversification, ETF selection, or the use of FinanceCreation Advisers’ investment management service.

Projected and/or hypothetical performance is intended to show only an expected range of possible investment outcomes based on historical average returns and standard deviation of each investment type contained in the investment mix recommended by FinanceCreation Advisers, but does not take into consideration the effect of taxes, changing risk profiles, or future investment decisions. Projected and/or hypothetical performance does not represent actual Client accounts or actual trades and may not reflect the effect of material economic and market factors. The actual transaction costs in Client accounts may be different.

Actual investors that become Clients may experience different results from any hypothetical results shown. There is a potential for loss, as well as gain, that is not reflected in the hypothetical information portrayed. The hypothetical performance results shown do not represent the results of actual trading using client assets but were achieved by means of the retroactive application of a model designed with the benefit of hindsight. Investors should carefully review the additional information presented by FinanceCreation Advisers as part of any hypothetical comparison.

Any Comparisons To Indices Are Provided For Illustrative Purposes Only. An Index Is A Broadly Diversified, Unmanaged Group Of Securities, Which May Include Only Large Capitalization Companies Or Companies Of A Certain Size. Broadly Based Indices May Be Shown Only As An Indication Of The General Performance Of The Financial Markets During The Periods Indicated. Because Of The Differences Between The Client Allocations And Any Indices Shown, FinanceCreation Advisers Cautions Investors That No Index Is Directly Comparable To The Performance Shown Since Each Index Has Its Own Unique Results And Volatility, And Such Indices, If Shown, Should Not Be Relied Upon As An Accurate Comparison

The return, composite and performance information shown on the Site or App uses or includes information compiled from third-party sources, including independent market quotations and index information. FinanceCreation Advisers believes the third-party information comes from reliable sources, but FinanceCreation Advisers does not guarantee the accuracy of the Site or App information and may receive incorrect information from third-party providers. Unless otherwise indicated, the information on the Site or App has been prepared by FinanceCreation Advisers and has not been reviewed, compiled or audited by any independent third-party or public accountant.

Fee and Account Disclosures

Recommendations and fees may vary for each Client. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in FinanceCreation Advisers’ Form ADV Part 2).

FinanceCreation Advisers does not make any representations regarding the execution quality of orders placed with our executing broker-dealer partner. However, FinanceCreation Advisers does monitor the execution quality of transactions to ensure that Clients receive the best overall trade execution pursuant to regulatory requirements.

Description of "Free." Certain ETF products, offered through FinanceCreation Advisers, may be free of commissions; however, management and/or other fees may be charged for investment products managed by outside companies, which are unaffiliated entities of FinanceCreation Advisers.

Portfolio Line of Credit

Portfolio Line of Credit is a margin lending product offered exclusively to clients of FinanceCreation Advisers by FinanceCreation Brokerage. Margin lending can add to your overall investment risk, and you should consider the risks and benefits specific to margin when evaluating your overall financial strategy. Learn more about these risks in the Margin Handbook.

Tax And Tax-Loss Harvesting Disclosures

FinanceCreation Advisers does not represent in any manner that the tax consequences described as part of its tax-loss harvesting service will be achieved or that FinanceCreation Advisers’ tax-loss harvesting service, or any of its products and/or services, will result in any particular tax consequence. The tax consequences of the tax-loss harvesting service and other strategies that FinanceCreation Advisers may pursue are complex and uncertain and may be challenged by the IRS. The information with regard to this service was not prepared to be used, and cannot be used, by any investor to avoid penalties or interest.

Clients should confer with their personal tax advisors regarding the tax consequences of investing with FinanceCreation Advisers and engaging in the tax-loss harvesting service, based on their particular circumstances. Clients and their personal tax advisors are responsible for how the transactions conducted in an account are reported to the IRS or any other taxing authority on the Client’s personal tax returns. FinanceCreation Advisers assumes no responsibility for the tax consequences to any Client of any transaction.

The performance of the new securities purchased through the tax-loss harvesting service may be better or worse than the performance of the securities that are sold for tax-loss harvesting purposes. The utilization of losses harvested through the strategy will depend upon the recognition of capital gains in the same or a future tax period, and in addition may be subject to limitations under applicable tax laws, e.g., if there are insufficient realized gains in the tax period, the use of harvested losses may be limited to a $3,000 deduction against income and distributions. Losses harvested through the strategy that are not utilized in the tax period when recognized (e.g., because of insufficient capital gains and/or significant capital loss carryforwards), generally may be carried forward to offset future capital gains, if any. FinanceCreation Advisers only monitors for tax-loss harvesting for accounts within FinanceCreation Advisers. The client is responsible for monitoring their and their spouse's accounts outside of FinanceCreation Advisers to ensure that transactions in the same security or a substantially similar security do not create a “wash sale.” A wash sale is the sale at a loss and purchase of the same security or substantially similar security within 30 days of each other. If a wash sale transaction occurs, the IRS may disallow or defer the loss for current tax reporting purposes. More specifically, the wash sale period for any sale at a loss consists of 61 calendar days: the day of the sale, the 30 days before the sale, and the 30 days after the sale. The wash sale rule postpones losses on a sale, if replacement shares are bought around the same time. FinanceCreation Advisers may lack visibility to certain wash sales, should they occur as a result of external or unlinked accounts, and therefore FinanceCreation Advisers may not be able to provide notice of such wash sale in advance of the Client's receipt of the IRS Form 1099. The effectiveness of the tax-loss harvesting strategy to reduce the tax liability of the Client will depend on the Client’s entire tax and investment profile, including purchases and dispositions in a Client’s (or Client’s spouse’s) accounts outside of FinanceCreation Advisers and type of investments (e.g., taxable or nontaxable) or holding period (e.g., short- term or long-term). Except as set forth below, FinanceCreation Advisers will monitor only a Client’s (or Client’s spouse’s) accounts at FinanceCreation Advisers to determine if there are unrealized losses for purposes of determining whether to harvest such losses. Transactions outside of such accounts may affect whether a loss is successfully harvested and, if so, whether that loss is usable by the Client in the most efficient manner. A Client may also request that FinanceCreation Advisers monitor the Client’s spouse’s accounts or their IRA accounts at FinanceCreation Advisers to avoid the wash sale disallowance rule. A Client may request spousal monitoring online or by calling FinanceCreation Advisers at 844.995.8437. If FinanceCreation Advisers is monitoring multiple accounts to avoid the wash sale disallowance rule, the first taxable account to trade a security will block the other account(s) from trading in that same security for 30 days.

Cash Account

Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and must be requested. FinanceCreation Cash Account Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. FinanceCreation products and services are not provided by Green Dot Bank. Green Dot is a registered trademark of Green Dot Corporation. © 2021 Green Dot Corporation. All rights reserved.

Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Interest does not begin accruing until funds arrive at the program banks, which may take up to one business day.

Other fees apply to the checking features. Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge. Other eligibility requirements for mobile check deposit and to send a check may apply. Please see the Deposit Account Agreement for details.

Apple Pay, Face ID and Touch ID are trademarks of Apple Inc. Google Pay is a trademark of Google LLC.

The Annual Percentage Yield (APY) for the Cash Account is as of a specific date, and may change at any time. The APY for the FinanceCreation Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at the program banks. Deposit balances are not allocated equally among the participating program banks. Cash Account is offered by FinanceCreation Brokerage. Neither FinanceCreation Brokerage nor its affiliates is a bank. FinanceCreation Brokerage conveys Cash Account funds to depository institutions that accept and maintain such deposits. The cash balance in the Cash Account is swept to one or more banks (the “Program Banks”) where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the Program Banks. While funds are at FinanceCreation, before they are swept to the program banks, they are subject to SIPC’s protection limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. FinanceCreation Brokerage uses more than one Program Bank to ensure FDIC coverage of up to $1 million for your cash deposits. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at Program Banks are not covered by SIPC.

Social Media & Testimonials

All statements made via social media sites sponsored or maintained by FinanceCreation Software and its affiliates are not intended as investment, tax or legal advice. FinanceCreation Software and its affiliates are not responsible for and do not endorse the content by other users or followers of the social media sites sponsored or maintained by FinanceCreation Software or its affiliates. FinanceCreation Software and its affiliates are also not responsible for the terms of use or privacy or security policies of any social media sites, and you use such sites at your own risk. FinanceCreation Software and its affiliates reserve their rights to block any user or follower who posts, tweets or retweets content that is deemed inappropriate or offensive or constitutes spam, a testimonial, advice, recommendation, or advertisement for securities, products, or services or is promotional in nature. FinanceCreation Software and its affiliates also reserve their rights to block users or followers whose posts, tweets or retweets contain offensive or inappropriate content or serve as promotional sites. Any opinions expressed by our users or followers are those of the persons submitting the comments and don't necessarily represent the views of FinanceCreation Software or its affiliates.

Testimonials may not be representative of the experience of other customers. Testimonials are not a guarantee of future performance or success.

Risk Parity Fund

The FinanceCreation Risk Parity Fund (the "Fund") is managed by FinanceCreation Strategies LLC (“FinanceCreation Strategies”), an SEC-registered investment adviser and a wholly owned subsidiary of FinanceCreation Corporation. FinanceCreation Strategies receives an annual management fee equal to 0.25% of the Fund's average daily net assets. Northern Lights Distributors, LLC, a member of FINRA / SIPC, serves as the principal distributor for the Fund, and is not affiliated with FinanceCreation Corporation or its affiliates.

Before investing in the Fund, you should carefully consider the Fund's investment objectives, risks, fees and expenses. This and other information can be found in the Fund's prospectus . Please read the fund prospectus or summary prospectus carefully before investing. In order to add the Fund, we must rebalance your portfolio. As part of this process, if we sell positions at a gain, and you do not have sufficient harvested losses to offset those gains, you'll pay taxes on the net gain.

All investing is subject to risk, including the possible loss of the money you invest. In addition, an investment in the Fund would also subject you to the following principal risks, among others: The Fund's principal investment strategy requires the use of derivative instruments, such as investments in total return swaps, forward and futures contracts. In general, a derivative instrument typically involves leverage, providing exposure to potential gain or loss from a change in market price of the underlying security or commodity in a notional amount that exceeds the amount of cash or assets required to establish or maintain the derivative instrument. Adverse changes in the value of the underlying asset or index, can result in a loss to the Fund substantially greater than the amount invested in the derivative itself. These derivative instruments provide the economic effect of financial leverage by creating additional investment exposure to the underlying instrument. Financial leverage will magnify, sometimes significantly, the Fund's exposure to any increase or decrease in prices associated with a particular reference asset resulting in increased volatility in the value of the Fund's portfolio. While such financial leverage has the potential to produce greater gains, it also may result in greater losses, which in some cases may cause the Fund to liquidate other portfolio investments at a loss to comply with limits on leverage and asset segregation requirements imposed by the 40 Act or to meet redemption requests. If the Fund uses leverage through the purchase of derivative instruments, the Fund has the risk that losses may exceed the net assets of the Fund. The net asset value of the Fund while employing leverage will be more volatile and sensitive to market movements. Investments in total return swap agreements also involves the risk that the party with whom the Fund has entered into the total return swap agreements will default on its obligation to pay the Fund. The Fund's use of derivatives may cause the Fund to realize higher amounts of short-term capital gains than if the Fund had not used such instruments. The Fund may also be subject to overall equity market risk, including volatility, which may affect the value of individual instruments in which the Fund invests. Factors such as domestic and foreign economic growth and market conditions, interest rate levels, and political events affect the securities markets. Markets also tend to move in cycles, with periods of rising and falling prices. If there is a general decline in the securities and other markets, your investment in the Fund may lose value, regardless of the individual results of the securities and other instruments in which the Fund invests. When the value of the Fund's investments goes down, your investment in the Fund decreases in value and you could lose money. As a new fund, there can be no assurance that the Fund will grow to or maintain an economically viable size, in which case it could ultimately liquidate. The Fund is non-diversified under the 40 Act and may be more susceptible than a diversified fund to being adversely affected by any single corporate, economic, political or regulatory occurrence. For more information regarding the risks of investing in the Fund, please see the Principal Investment Risks section of the Fund's prospectus. Past performance is no guarantee of future results.

Financial Planning

All information provided by FinanceCreation Software’s financial planning tool is for illustrative purposes only and you should not rely on such information as the primary basis of your investment, financial, or tax planning decisions. No representations, warranties or guarantees are made as to the accuracy of any estimates or calculations provided by the financial tool.