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Our last Town Hall for 2025 is now ready to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series. In this episode, each team member shares a special holiday memory to help wrap up 2025. Tracey Richardson: There is a common misunderstanding that we see when people think about Exchange Traded Funds (ETFs). Tracey helps to set the record straight on what these are and how they may be a useful tool in the planning process. Will Meneses: The landscape has changed with employer benefits over the past couple of decades. This can change how you think about and prepare for retirement. Will discusses the challenges of retiring today and the need to remain adaptable to future changes. Steve Aul: Confirmation Bias is something to watch out for when making financial planning decisions. In today's information environment, it is easy to find sources that support your beliefs. This can lead you to make decisions that overlook different perspectives. One of our roles is to help cut through the "noise" and make well-informed decisions. If you have any questions about this episode or would like to discuss your financial planning with the team, please call us at (636) 230-8824 or email [email protected]. DISCLOSURE: Insurance products are offered through the insurance business Aul Insurance Group, LLC (AIG). Aul Financial Group, LLC is an Investment Advisory practice that offers products and services through Impact Partnership Wealth, LLC (IPW), a Registered Investment Adviser. IPW does not offer insurance products. The insurance products offered by Aul Insurance Group, LLC (AIG) are not subject to Investment Advisor requirements. IPW and Aul Insurance Group, LLC (AIG) are not affiliated companies. Opinions expressed are as of the current date and subject to change without notice, and data may be obtained from third-party sources we believe are reliable. Aul Financial Group, LLC shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, the information, data, analyses, or opinions contained herein or their use, which do not constitute investment advice, are provided as of the date written, are provided solely for informational purposes and therefore are not an offer to buy or sell a security. This commentary is for informational purposes only and has not been tailored to suit any individual. References to specific securities or investment options should not be considered an offer to purchase or sell that specific investment. This commentary contains certain forward-looking statements. Forward-looking statements involve known and unknown risks, uncertainties, and other factors which may cause the actual results to differ materially and/or substantially from any future results, performance, or achievements expressed or implied by those projected in the forward-looking statements for any reason. No graph, chart, or formula in this presentation can be used in and of itself to determine which securities to buy or sell when to buy or sell securities, whether to invest using this investment strategy, or whether to engage Aul Financial Group, LLC’s investment advisory services. Investments in securities are subject to investment risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Prices of securities may fluctuate from time to time and may even become valueless. Any securities mentioned in this commentary are not FDIC-insured, may lose value, and are not guaranteed by a bank or other financial institution. Before making any investment decision, investors should read and consider all the relevant investment product information. Investors should seriously consider if the investment is suitable for them by referencing their own financial position, investment objectives, and risk profile before making any investment decision. There can be no assurance that any financial strategy will be successful. "Market Guard® is an SEC registered investment adviser located in Englewood, Colorado. Bradley Jenkins is a non-controlling owner of IPW and the sole owner of Market Guard®. Brad Jenkins and Market Guard® provide model portfolios and investment products to IPW. Brad Jenkins is compensated through his non-controlling ownership in IPW. 3322836 - 01/24"