This Agreement is entered into on _________________________, by the investment adviser, Phase Line Financial LLC, (hereinafter referred to as "Adviser", "Our firm", "We" or "Us"), through its advisory representative _________________________ ("Planner") and _________________________ ("Client"). In consideration of the mutual benefits to be derived from this Agreement, it is understood and agreed as follows:

Our firm shall provide the Client with the following Financial Planning/Consulting services:

We provide a variety of financial planning and consultation services to individuals, families and other clients regarding the management of their financial resources based upon an analysis of the client's current situation, goals, and objectives. The purpose of this engagement will be to develop an advanced Roth Conversion plan to reduce taxes. Generally, such financial planning and consulting services will involve preparing a financial plan or rendering a financial consultation for clients based on the client's financial goals and objectives. This planning or consulting may encompass one or more of the following areas: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal Financial Planning.

Our written financial plans or financial consultations rendered to the clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney, or other specialist as necessary for non-advisory related services. For written financial planning engagements, we provide our clients with a written summary of their financial situation, and our firm's observations and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans and/or consultations are typically completed within one (1) month of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. Implementation of the recommendations will be at the discretion of the client.

The Client recognizes that the value and usefulness of our firm's financial planning services will be dependent upon the information that the Client provides and the Client's active participation in the formulation and implementation of the financial planning objectives. The Client may be required to complete a questionnaire to assist us in formulating the Client's financial planning objectives. Copies of certain Client documents may be requested by our firm to assist us in conducting a more complete evaluation of the Client's financial planning objectives and to prepare a financial plan. We may reasonably request certain of the following documents in order to permit a complete financial evaluation: insurance policies, wills, tax returns, and other documents depending upon the Client's circumstances.

Financial Planning & Consulting Agreement Rev 5/26

Phase Line Financial LLC

Page 1

We charge a flat fee basis for financial planning and consulting services. The ultimate fee that we charge you is based on the scope and complexity of our engagement with you.

(Client's Initial) (Client's Initial) Flat Planning/Consulting Fee - a flat fee of $2,500 will be paid to our firm for financial planning/consulting services.

In all cases, we will not require a retainer exceeding $1,200 when services cannot be rendered within 6 (six) months.

The Client understands that the Planner may recommend that clients execute their financial plans through a broker-dealer, investment advisor, or insurance company, though the Client is free to implement their plan through broker-dealers, investment advisors, or insurance companies of their choice. It should be noted that Planner may be an insurance agent and/or broker for which he/she may receive commissions for insurance product sales. The Planner does not possess or exercise any discretion with respect to Client transactions. Financial planning clients that do not choose to become ongoing Investment Management clients do not receive reviews of their written plans unless they take action to schedule a financial consultation with us. We do not provide ongoing services to financial planning clients, but are willing to meet with such clients upon their request to discuss updates to their plans, changes in their circumstances, etc.

It is expressly understood and agreed between the parties of this Agreement that our firm will not provide accounting or legal advice nor prepare any accounting or legal documents for the implementation of the Client's financial planning objectives. The Client is urged to work closely with his/her attorney and/or accountant in implementing recommendations set forth in the financial plan.

Either party may terminate this Agreement at any time by providing written notice. If the Client is not satisfied with the financial plan that is delivered, the Adviser will make adjustments to the plan in accordance with the wishes of the Client and deliver the revised plan within one (1) week. If the Client is still not completely satisfied with the financial plan that is delivered, the agreement will be considered terminated, no payment will be due, and all upfront fees will be returned to the Client by the Adviser within one (1) week. The Client can elect to terminate this agreement and receive a refund of all funds paid up to 30 days after the date the financial plan is delivered to the Client by the Adviser.

If the Client chooses to engage the Adviser for ongoing Investment Management services within ninety (90) days of delivery of the financial plan, the Adviser will credit the Client for the full financial planning fee toward the fees associated with ongoing Investment management services. If the Client chooses to terminate this contract using the termination clause (item 6 above), then this clause is rendered null and void, and no credit will be issued.

This agreement contains a provision, which requires that all claims arising out of transactions or activities affecting the provision of services by our firm to the Client (collectively referred to as "the parties") be resolved through arbitration in San Luis Obispo County, California. The parties acknowledge, understand and agree that:

Financial Planning & Consulting Agreement Rev 5/26

Phase Line Financial LLC

Page 2

(i) Arbitration is final and binding on the parties.
(ii) The parties are waiving their right to seek remedies in court, including the right to jury trial.
(iii) Pre-arbitration discovery is generally more limited than and potentially different in form and scope from court proceedings.
(iv) The Arbitration Award is not required to include factual findings or legal reasoning and any party's right to appeal or to seek modification of a ruling by the arbitrators is strictly limited.
(v) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.

To the extent permitted by law, all controversies which may arise between the parties or any of their affiliated companies concerning any transaction arising out of or relating to this agreement, or the construction, performance, or breach of this or any other agreement between us whether entered into prior to, on or subsequent to the date hereto, shall be submitted to arbitration conducted under the Rules of the American Arbitration Association.

Arbitration must be commenced by service upon the other party, of a written demand for arbitration or a written notice of intention to arbitrate. Judgment upon any award rendered by the arbitrator(s) shall be final, and may be entered in any court having jurisdiction. Any arbitration proceeding pursuant to this Agreement shall be determined pursuant to the laws of the State of California. This Agreement supersedes any and all preexisting agreements and/or understandings. No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this agreement except to the extent stated herein.

The parties hereby submit to the in person jurisdiction of the courts of the State of California and the local courts located therein (and expressly waive any defense to personal jurisdiction of the Client by such courts) for the purpose of confirming, vacating or modifying any such award or judgment entered thereon. To the extent any controversy as above described is to be resolved in a court action, the parties expressly agree that such action shall be brought only in State or Federal courts in California and service of process in such action shall be sufficient if served on the parties by certified mail, return receipt requested, at the parties last address known to the other party. In this connection the parties expressly waive any defense(s) to personal jurisdiction of the parties by such court; to service of process as set forth above; to venue; and in addition, expressly agree that California is a convenient forum for any such action.

Nothing herein shall be enforceable to the extent that you waive any of your rights under state or federal securities laws.

This Agreement may not be assigned by either you or our firm without the prior consent of the other party. You acknowledge and agree that transactions that do not result in a change of actual control or management of our firm shall not be considered an assignment.

This Agreement shall be governed by and construed and interpreted in accordance with the laws of the State of California.

Financial Planning & Consulting Agreement Rev 5/26

Phase Line Financial LLC

Page 3

You acknowledge that our firm will not vote proxies.

Client acknowledges receipt of Part 2 of Form ADV; at or before the time of signing this agreement. You further acknowledge and consent that our firm may send any of its notices including our ADV Part 2 and Privacy Policy to your email address last provided by you. For the purposes of this provision, a contract is considered entered into when all parties to the contract have signed the contract, or, in the case of an oral contract, otherwise signified their acceptance, any other provisions of this contract notwithstanding.

Financial Planning & Consulting Agreement Rev 5/26

Phase Line Financial LLC

Page 4

Phase Line Financial LLC
Principal Office: 210 Traffic Way Ste F, Arroyo Grande, CA 93420
(805) 696-2220
www.phaselinefinancial.com

Form ADV Part 2A – Firm Brochure

Dated: March 27, 2026

This Brochure provides information about the qualifications and business practices of Phase Line Financial LLC. If you have any questions about the contents of this Brochure, please contact us at (805) 696-2220 or zack@phaselinefinancial.com. 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.

Phase Line Financial LLC is registered as an Investment Adviser with the State of California. Registration of an Investment Adviser does not imply any level of skill or training.

Additional information about Phase Line Financial LLC is available on the SEC's website at www.adviserinfo.sec.gov which can be found using the firm's identification number 329068.

1

Material changes are included in this filing. Investment Advisory Fees in Item 5 were updated to reflect the fee calculation when Altruist Financal LLC is used as a custodian. Item 12 was also updated to show that no soft-dollar arrangement exists between Phase Line Financial and it's custodians. Updates were also made under item 19 in Part 2A to remove other business activities of Zachary Seidman, principal officer of PLF, and a disclosure that these activities may represent a conflict of interests.

From time to time, we may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations and routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to each Client annually and if a material change occurs in the business practices of Phase Line Financial LLC.

At any time, you may view the current Disclosure Brochure on-line at the SEC's Investment Adviser Public Disclosure website at http://www.adviserinfo.sec.gov by searching for our firm name or by our CRD number 329068.

You may also request a copy of this Disclosure Brochure at any time, by contacting us at (805) 696-2220 or email zack@phaselinefinancial.com.

Item 1: Cover Page

1

Item 2: Material Changes

2

Item 3: Table of Contents

3

Item 4: Advisory Business

4

Item 5: Fees and Compensation

8

Item 6: Performance-Based Fees and Side-By-Side Management

11

Item 7: Types of Clients

11

Item 8: Methods of Analysis, Investment Strategies and Risk of Loss

11

Item 9: Disciplinary Information

15

Item 10: Other Financial Industry Activities and Affiliations

15