Our Approach to Investment Advisory Services

1. Getting Started
Our relationship begins with a conversation to understand your financial goals and develop an investment strategy that fits within your overall financial plan.

Before we begin managing your assets, we will provide you with an Investment Advisory Agreement. This agreement outlines:

• The scope of our advisory services

• The investment strategies we may use

• That we manage your investments on a discretionary basis, meaning we make day-to-day decisions to buy and sell investments on your behalf, in accordance with your goals

2. Your Investment Policy Statement (IPS)
The IPS is a personalized document that defines the investment objectives and guidelines for your accounts. It includes:

• Your investment goals and risk tolerance

• Intended investment mix

• Liquidity needs and time horizon

• Any specific tax considerations

This document is updated as your goals or circumstances change. You may view or request updates to your IPS at any time.

3. Your Account and Custodian
Your investment account is held with an independent custodian, Fidelity Investments. As custodian, Fidelity:

• Custody of Client Assets

  Seastrunk Financial Management, LLC does not take custody of client funds or securities. Client assets are held with an independent, third-party custodian—currently Fidelity Investments—who is responsible for safeguarding assets, executing transactions at our direction, and providing account statements directly to clients.

  SIPC Coverage

  Fidelity Investments is a member of the Securities Investor Protection Corporation (SIPC), which provides limited protection against the loss of securities or cash due to the financial failure of a brokerage firm, subject to SIPC limits. SIPC coverage does not protect against market losses, investment performance, or declines in account value due to market conditions or investment decisions.

4. Performance Reporting and Fees
Each calendar quarter, you’ll receive a performance report that includes:

• Your portfolio value

• Investment performance

• Our advisory fees and any other applicable charges

In addition to our advisory fee, you may incur:

• Third-party investment expenses, such as mutual fund or ETF fees (e.g., management or servicing fees)

• Custodial fees charged by Fidelity

These costs apply regardless of portfolio performance and will reduce your net returns.

5. How We Are Compensated

Our advisors are compensated through a combination of salary and participation in the firm’s advisory fee revenue. Advisory fees are based on the assets we manage on behalf of clients and are fully disclosed in our Form ADV and Investment Advisory Agreement.

Because advisory fees are generally tied to assets under management, this structure may create an incentive to recommend that clients maintain or increase assets under our management. We address this potential conflict through our fiduciary obligation to act in our clients’ best interests, firm-wide compliance oversight, and a planning-first approach that considers each client’s individual goals, circumstances, and overall financial situation—not solely the level of assets managed.

We do not receive commissions for investment recommendations, and our advice is not based on the sale of specific investment products.

More information on how we are compensated is available in:

• Our Form ADV (LOCATED HERE)

• Your Investment Advisory Agreement (LOCATED HERE)

6. Managing Conflicts of Interest
We may face conflicts of interest—situations where our interests differ from yours. For example:

• Since our compensation is linked to the value of assets under management, we may be incentivized to recommend strategies that increase those assets.

When such conflicts exist:

• We disclose them clearly

• We follow internal procedures to manage them

• As a Registered Investment Adviser, we are legally and ethically obligated to act in your best interests as your fiduciary at all times.

Additional details can be found in our Form ADV and Investment Advisory Agreement. If you ever have concerns, please reach out to us directly.

7. Your Responsibilities
To ensure your investment plan remains aligned with your needs, please notify us if your financial situation or goals change. Review your quarterly reports carefully and contact us with any questions or concerns.

8. Termination of Services
You may end the advisory relationship at any time by notifying us. Our agreement remains in effect until either you or we decide to modify or terminate it.