Form ADV

Liberty Point Financial LLC

Form ADV Part 2A – Disclosure Brochure

Effective: May 20, 2026

This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices

of Liberty Point Financial LLC (“Liberty Point” or the “Advisor”). If you have any questions about the content of this

Disclosure Brochure, please contact the Advisor at (385) 245-3800.

Liberty Point is a registered investment advisor located in the State of Utah. The information in this Disclosure

Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any

state securities authority. Registration of an investment advisor does not imply any specific level of skill or training.

This Disclosure Brochure provides information about Liberty Point to assist you in determining whether to retain the

Advisor.

Additional information about Liberty Point and its Advisory Persons is available on the SEC’s website at

www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 340888.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800Item 2 – Material Changes

Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure

Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s

business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory

Persons of Liberty Point. For convenience, the Advisor has combined these documents into a single disclosure

document.

Liberty Point believes that communication and transparency are the foundation of its relationship with clients and will

continually strive to provide you with complete and accurate information at all times. Liberty Point encourages all

current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the

Advisor.

Material Changes

Liberty Point is a newly formed registered investment advisor. This is the initial filing of the Disclosure Brochure.

Future Changes

From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes

in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure

or a Summary of Material Changes shall be provided to you annually and if a material change occurs.

At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure

website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 340888. You may also

request a copy of this Disclosure Brochure at any time by contacting the Advisor at (385) 245-3800.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 2Item 3 – Table of Contents

Item 1 – Cover Page ................................................................................................................................................. 1

Item 2 – Material Changes....................................................................................................................................... 2

Item 3 – Table of Contents ...................................................................................................................................... 3

Item 4 – Advisory Services ..................................................................................................................................... 4

A. Firm Information .............................................................................................................................................................. 4

B. Advisory Services Offered ............................................................................................................................................... 4

C. Client Account Management ........................................................................................................................................... 5

D. Wrap Fee Programs ........................................................................................................................................................ 6

E. Assets Under Management ............................................................................................................................................. 6

Item 5 – Fees and Compensation ........................................................................................................................... 6

A. Fees for Advisory Services.............................................................................................................................................. 6

B. Fee Billing........................................................................................................................................................................ 7

C. Other Fees and Expenses .............................................................................................................................................. 7

D. Advance Payment of Fees and Termination ................................................................................................................... 7

E. Compensation for Sales of Securities ............................................................................................................................. 8

Item 6 – Performance-Based Fees and Side-By-Side Management ................................................................... 8

Item 7 – Types of Clients......................................................................................................................................... 8

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................... 8

A. Methods of Analysis ........................................................................................................................................................ 8

B. Risk of Loss ..................................................................................................................................................................... 9

Item 9 – Disciplinary Information ......................................................................................................................... 10

Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 10

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 11

A. Code of Ethics ............................................................................................................................................................... 11

B. Personal Trading with Material Interest ......................................................................................................................... 11

C. Personal Trading in Same Securities as Clients ........................................................................................................... 11

D. Personal Trading at Same Time as Client .................................................................................................................... 12

Item 12 – Brokerage Practices ............................................................................................................................. 12

A. Recommendation of Custodian[s] ................................................................................................................................. 12

B. Aggregating and Allocating Trades ............................................................................................................................... 12

Item 13 – Review of Accounts .............................................................................................................................. 13

A. Frequency of Reviews ................................................................................................................................................... 13

B. Causes for Reviews ...................................................................................................................................................... 13

C. Review Reports ............................................................................................................................................................. 13

Item 14 – Client Referrals and Other Compensation ......................................................................................... 13

A. Compensation Received by Liberty Point ..................................................................................................................... 13

B. Compensation for Client Referrals ................................................................................................................................ 14

Item 15 – Custody .................................................................................................................................................. 14

Item 16 – Investment Discretion ........................................................................................................................... 14

Item 17 – Voting Client Securities ........................................................................................................................ 14

Item 18 – Financial Information ............................................................................................................................ 14

Item 19 – Requirements for State Registered Advisors .................................................................................... 15

A. Educational Background and Business Experience of Principal Officer ....................................................................... 15

B. Other Business Activities of Principal Officer ................................................................................................................ 15

C. Performance Fee Calculations ...................................................................................................................................... 15

D. Disciplinary Information ................................................................................................................................................. 15

E. Material Relationships with Issuers of Securities .......................................................................................................... 15

Form ADV Part 2B – Brochure Supplement ........................................................................................................ 16

Privacy Policy......................................................................................................................................................... 19

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 3Item 4 – Advisory Services

A. Firm Information

Liberty Point Financial LLC (“Liberty Point” or the “Advisor”) is a registered investment advisor located in the State of

Utah. The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Utah. Liberty

Point was founded in February 2026 and became a registered investment advisor in May 2026. The Advisor is owned

and operated by Taylor R. Carlson (Principal and Chief Compliance Officer). This Disclosure Brochure provides

information regarding the qualifications, business practices, and the advisory services provided by Liberty Point.

B. Advisory Services Offered

Liberty Point offers investment advisory services to individuals, high net worth individuals, trusts, and estates (each

referred to as a “Client”).

The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the

Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts

of interest. Liberty Point's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more

information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client

Transactions and Personal Trading.

Wealth Management Services

Liberty Point provides customized wealth management services for its Clients. This is achieved through continuous

personal Client contact and interaction while providing discretionary investment management services and a broad

range of comprehensive financial planning.

Investment Management Services – The Advisor provides discretionary investment management services. Liberty

Point works closely with each Client to identify their investment goals and objectives as well as risk tolerance and

financial situation in order to create a portfolio strategy. Liberty Point will then construct an investment portfolio,

primarily consisting of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the

Client’s investment goals. The Advisor may also utilize individual stocks or bonds to meet the needs of its Clients.

The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio

strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client.

Liberty Point’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate

positions that have been held for less than one year to meet the objectives of the Client or due to market conditions.

Liberty Point will construct, implement and monitor the portfolio to ensure it meets the goals, objectives,

circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable

restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor.

Liberty Point evaluates and selects investments for inclusion in Client portfolios only after applying its internal due

diligence process. Liberty Point may recommend, on occasion, redistributing investment allocations to diversify the

portfolio. Liberty Point may recommend specific positions to increase sector or asset class weightings. The Advisor

may recommend employing cash positions as a possible hedge against market movement.

Liberty Point may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains

or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting

of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any

risk deemed unacceptable for the Client’s risk tolerance.

At no time will Liberty Point accept or maintain custody of a Client’s funds or securities, except for the limited authority

as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian,

pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices.

Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts

or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 4Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws

governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment

advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or

recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another

IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a

recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a

result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by

the Advisor.

Financial Planning Services – The Advisor provides a variety of financial planning and consulting services to Clients

at no additional cost as part of its wealth management services. For Clients who are not engaged for wealth

management services, the Advisor provides stand-alone financial planning services for an hourly fee pursuant to a

written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending

on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or

rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or

consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement

planning, personal savings, education savings, insurance needs and other areas of a Client’s financial situation.

A financial plan developed for, or financial consultation rendered to the Client will usually include general

recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations

may be made that the Client start or revise their investment programs, commence or alter retirement savings,

establish education savings and/or charitable giving programs.

Liberty Point may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique

situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s

financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not

provide a written summary. Plans or consultations are typically completed within six (6) months of contract date,

assuming all information and documents requested are provided promptly.

Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the

interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for

investment management services or to increase the level of investment assets with the Advisor, as it would increase

the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made

by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the

recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the

Advisor.

C. Client Account Management

Prior to engaging Liberty Point to provide investment advisory services, each Client is required to enter into one or

more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and

the Client. These services may include:

• Establishing an Investment Strategy – Liberty Point, in connection with the Client, will develop a strategy that

seeks to achieve the Client’s goals and objectives.

• Asset Allocation – Liberty Point will develop a strategic asset allocation that is targeted to meet the investment

objectives, time horizon, financial situation and tolerance for risk for each Client.

• Portfolio Construction – Liberty Point will develop a portfolio for the Client that is intended to meet the stated

goals and objectives of the Client.

• Investment Management and Supervision – Liberty Point will provide investment management and ongoing

oversight of the Client’s investment portfolio. Clients receiving wealth management services from the Advisor

may request to impose reasonable written restrictions on the purchase or sale of specific securities or types

of securities utilized within their portfolio. These restrictions are reviewed at least annually.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 5• Financial Planning Services – Liberty Point will provide financial planning services as a component of its

wealth management services. These services include, but are not limited to, investment planning, retirement

planning, personal savings, education savings, insurance needs and other areas of a Client’s financial

situation. Clients may request to impose reasonable written restrictions on the purchase or sale of specific

securities. These restrictions are reviewed at least annually. Clients are not obligated to implement any

recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client

elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to

implement the transaction through the Advisor.

D. Wrap Fee Programs

Liberty Point does not manage or place Client assets into a wrap fee program.

E. Assets Under Management

Liberty Point is a newly established advisor. Assets under management shall be reported with the Advisor’s next filing

of this Disclosure Brochure. Clients may request more current information at any time by contacting the Advisor.

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the

Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more

written agreements with the Advisor.

A. Fees for Advisory Services

Wealth Management Services

Wealth management fees are paid in arrears of each month, pursuant to the terms of the wealth management

agreement. Wealth management fees include investment management and financial planning services as described

in Item 4.B. Wealth management fees are based on the market value of assets under management at the end of the

month. Wealth management fees are based on a tiered schedule. As the Client’s assets under management increase,

the applicable fee rate decreases according to the following schedule:

Assets Under Management ($) Up to $1,000,000 Annual Rate (%) 0.80% Monthly Rate (%)

0.0667%

$1,000,001 to $3,000,000 0.70% 0.0583%

$3,000,001 to $5,000,000 0.60% 0.0500%

$5,000,001 to $10,000,000 0.50% 0.0417%

$10,000,001 and above 0.40% 0.0333%

The wealth management fee in the first month of service is prorated from the inception date of the account[s] to the

end of the first month. Fees may be negotiable at the sole discretion of the Advisor based on the following factors:

the scope and complexity of the services to be provided; the level of assets to be managed; and the overall

relationship with the Advisor. The Client’s fees will take into consideration the aggregate assets under management

with the Advisor. All securities held in accounts managed by Liberty Point will be independently valued by the

Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other

related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor

shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services

Liberty Point offers financial planning services as part of its wealth management services. For Clients not engaged

for wealth management services, the Advisor also offers stand-alone financial planning services at an hourly rate of

$250 per hour. The hourly rate is not negotiable. The total number of hours is determined based on factors such as

the complexity of the Client’s financial situation, the scope and number of topics addressed, and the frequency and

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 6duration of meetings required to prepare and deliver the financial plan. An estimate for total hours and overall costs

will be provided to the Client prior to engaging for these services.

B. Fee Billing

Wealth Management Services

Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.

The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s

account[s] at the respective month end date. The amount due is calculated by applying the monthly rate (annual rate

divided by 12) to the total assets under management with Liberty Point at the end of each month. Clients will be

provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee.

In addition, the Advisor will provide the Client a report itemizing the fee, including the calculation period covered by

the fee, the account value and the methodology used to calculate the fee. Clients are urged to also review and

compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian

does not perform a verification of fees. Clients provide written authorization permitting wealth management fees to

be deducted by Liberty Point to be paid directly from their account[s] held by the Custodian as part of the wealth

management agreement and separate account forms provided by the Custodian.

Financial Planning Services

Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial

planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s]. Financial

planning fees are collected via ACH payment. ACH payments are completed through a third-party payment processor

that will capture and process the Client’s account/routing numbers. The third-party payment processor is not affiliated

or related to the Advisor.

C. Other Fees and Expenses

Clients may incur certain fees or charges imposed by third parties, other than Liberty Point, in connection with

investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities

execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge

securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms

and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds

and other types of investments. The fees charged by Liberty Point are separate and distinct from these custody and

execution fees.

In addition, all fees paid to Liberty Point for investment advisory services are separate and distinct from the expenses

charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in

each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds,

other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible

distribution fee. A Client may be able to invest in these products directly, without the services of Liberty Point, but

would not receive the services provided by Liberty Point which are designed, among other things, to assist the Client

in determining which products or services are most appropriate for each Client’s financial situation and objectives.

Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Liberty Point to

fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination

Wealth Management Services

Liberty Point is compensated for its wealth management services at the end of the month after services are rendered.

Either party may terminate the wealth management agreement, at any time, by providing advance written notice to

the other party. The Client may also terminate the wealth management agreement within five (5) business days of

signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for

bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client.

The Client’s wealth management agreement with the Advisor is non-transferable without the Client’s prior written

consent.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 7Financial Planning Services

Liberty Point requires an advance deposit as described above. Either party may terminate the financial planning

agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the

financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client.

After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination

and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged

on the planning project times the contractual hourly rate. Any pre-paid fees exceeding the amount due to the Advisor

for services rendered will be refunded to the Client. The Client’s financial planning agreement with the Advisor is non-

transferable without the Client’s prior written consent.

E. Compensation for Sales of Securities

Liberty Point does not buy or sell securities to earn commissions and does not receive any compensation for securities

transactions in any Client account, other than the investment advisory fees noted above.

Mr. Carlson is licensed as independent insurance professionals. As an independent insurance professional, Mr.

Carlson may earn commission-based compensation for selling insurance products, including insurance products

offered to Clients. Insurance commissions earned by Mr. Carlson are separate and in addition to investment advisory

fees. This practice presents a conflict of interest as Mr. Carlson will have an incentive to recommend insurance

products to the Client for the purpose of generating commissions rather than solely based on the Client’s needs.

Clients are under no obligation, contractual or otherwise, to purchase insurance products through Mr. Carlson or the

Advisor. Please see Item 10 below.

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

Liberty Point does not charge performance-based fees for its investment advisory services. The fees charged by

Liberty Point are as described in Item 5 above and are not based upon the capital appreciation of the funds or

securities held by any Client.

Liberty Point does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund

or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients.

Item 7 – Types of Clients

Liberty Point offers investment advisory services to individuals, high net worth individuals, trusts, and estates. Liberty

Point does not impose a minimum relationship size.

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

A. Methods of Analysis

Liberty Point employs fundamental analysis in developing investment strategies for its Clients. The Advisor’s primary

area of research for a security lies in fundamental analysis. This analysis focuses on individual issuers and their

potential in light of their financial condition, and market, economic, political, and regulatory conditions. Research and

analysis from Liberty Point are derived from numerous sources, including financial media companies, third-party

research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press

releases and research prepared by others. When researching mutual funds or ETFs, prior fund returns, portfolio

management tenure/stability, and fund rankings are also factored into the research. Such research informs the

Advisor’s portfolio construction process and trading strategy as described in Item 4.B above.

Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists

generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed.

Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value

discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does

not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the

fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 8economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s

review process are included below in Item 13 – Review of Accounts.

As noted above, Liberty Point generally employs a long-term investment strategy for its Clients, as consistent with

their financial goals. Liberty Point conducts an ongoing review to determine if securities should continue to be held,

sold, or if additional amounts of the security should be purchased. Factors weighed in such determinations include,

but are not limited to price fluctuations, company/issuer announcements, market news, and the Client’s established

portfolio guidelines.

Liberty Point will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for

the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Liberty Point may also buy and

sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the

security, sector or asset class.

B. Risk of Loss

Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should

be prepared to bear the potential risk of loss. Liberty Point will assist Clients in determining an appropriate strategy

based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet

their investment goals.

While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the

investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may

lose value and may have negative investment performance. The Advisor monitors these economic indicators to

determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are

included below in Item 13 – Review of Accounts.

Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon,

tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client

participation in this process, including full and accurate disclosure of requested information, is essential for the

analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client

or their designees without the duty or obligation to validate the accuracy and completeness of the provided

information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or

other factors that may affect this analysis.

The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts.

The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process.

Following are some of the risks associated with the Advisor’s investment strategies:

Market Risks

The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as

economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall

financial markets.

ETF Risks

The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will

fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based

on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread

and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from

the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point

in the day may have a different price than the same ETF purchased or sold a short time later. The Advisor does not

utilize leveraged, inverse, or cryptocurrency ETFs.

Bond Risks

The Advisor invests in fixed income securities based on a combination of factors, including prevailing interest rate

conditions, credit quality assessments, duration targets, income requirements, and overall portfolio diversification

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 9objectives. The Adviser determines when to purchase or sell bonds through ongoing analysis of market conditions,

issuer fundamentals, yield curve movements, and relative value opportunities. Portfolio adjustments may occur in

response to changes in interest rates, credit outlook, liquidity conditions, or client-specific investment objectives.

In structuring bond portfolios, the Advisor typically seeks to diversify across issuers, maturities, sectors, and credit

qualities, while aligning the portfolio’s duration and income characteristics with the client’s investment goals and risk

tolerance. However, despite such efforts, investments in bonds are subject to various risks, including: 1) Interest Rate

Risk: The risk that bond prices will decline due to rising interest rates, and increase when interest rates fall. This risk

is generally more pronounced for bonds with longer maturities and lower coupon rates; 2) Inflation Risk: The risk that

inflation will erode the purchasing power of income generated by fixed income investments, resulting in a lower real

rate of return; 3) Reinvestment Risk: The risk that income proceeds (such as interest payments or principal

repayments) may need to be reinvested at lower prevailing interest rates than those of the original investment; 4)

Credit and Default Risk: The risk that an issuer may be unable or unwilling to make timely payments of interest or

principal, resulting in a loss of income and/or capital; 5) Credit Rating Risk: The risk that a rating agency may

downgrade the credit rating of a bond issuer, which may negatively affect the bond’s market value and perceived

creditworthiness, and; 6) Liquidity Risk: The risk that certain bonds may be difficult to sell at a desired time or price

due to limited market demand or lack of an active secondary market.

Clients should understand that while the Advisor seeks to manage these risks through prudent portfolio construction

and ongoing monitoring, there can be no assurance that investment objectives will be achieved or that losses will be

avoided.

Mutual Fund Risks

The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the

mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual

fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price

as a mutual fund purchased later that same day.

Stock Risks

Stocks provide investors with an opportunity for capital appreciation and growth. The stocks of smaller companies

tend to have the greatest potential for growth, but also the highest levels of risk or volatility. Larger company stocks

have more moderate potential for both return and risk. Stocks have a variety of risks, including specific risk which is

related to individual company developments, industry/sector risk, which is a function of broader economic factors

affecting a company’s business, and market/systematic risk, which affects all stocks in a market and is the result of

general investor sentiment and growth of the broader economy.

Past performance is not a guarantee of future returns. Investing in securities and other investments involve

a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss

these risks with the Advisor.

Item 9 – Disciplinary Information

There are no legal, regulatory or disciplinary events involving Liberty Point or its owner. Liberty Point values

the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any

advisor or service provider that the Client engages. The backgrounds of the Advisor or Advisory Persons are available

on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm

name or CRD# 340888.

Item 10 – Other Financial Industry Activities and Affiliations

A. Broker-Dealer Affiliation

Neither the Advisor nor its management persons have any active or pending registrations or affiliations with a broker-

dealer.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 10B. Futures Merchant

Neither the Advisor nor its management persons have any active or pending registrations or affiliations with a futures

commission merchant, commodity pool operator, or commodity-trading advisor.

C. Material Relationships

As noted in Item 5, Mr. Carlson is a licensed insurance professional. Implementations of insurance recommendations

are separate and apart from Mr. Carlson’s role with the Advisor. As an insurance professional, Mr. Carlson will receive

customary commissions from the various insurance companies whose products are sold. Mr. Carlson is not required

to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset

investment advisory fees. This presents a conflict of interest in recommending certain products of the insurance

companies. Clients are under no obligation to implement any recommendations made by the Advisor or Mr. Carlson.

The Corporation of the President

Mr. Carlson is also a Seminary Teacher for The Corporation of the President. In this capacity, Mr. Carlson teaches

high school aged youth. Mr. Carlson is compensated for this activity.

Step League

Mr. Carlson is also the Owner of Step League, a stepping competition application. In this capacity, Mr. Carlson owns

and develops an application for individuals who can participate in competition for steps over the course of a month.

D. Selection of Other Advisors

The Advisor does not utilize third party money managers.

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading

A. Code of Ethics

Liberty Point has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each

Client. This Code applies to all persons associated with Liberty Point (“Supervised Persons”). The Code was

developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client.

Liberty Point and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the

obligation of Liberty Point’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to

the general principles that guide the Code. The Code covers a range of topics that address employee ethics and

conflicts of interest. To request a copy of the Code, please contact the Advisor at (385) 245-3800.

B. Personal Trading with Material Interest

Liberty Point allows Supervised Persons to purchase or sell the same securities that may be recommended to and

purchased on behalf of Clients. Liberty Point does not act as principal in any transactions. In addition, the Advisor

does not act as the general partner of a fund, or advise an investment company. Liberty Point does not have a

material interest in any securities traded in Client accounts.

C. Personal Trading in Same Securities as Clients

Liberty Point allows Supervised Persons to purchase or sell the same securities that may be recommended to and

purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients

presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and

procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public

information controls); gifts and entertainment; outside business activities and personal securities reporting. When

trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The

fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more

advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated

by Liberty Point requiring reporting of personal securities trades by its Supervised Persons for review by the Chief

Compliance Officer (“CCO”). The Advisor has also adopted written policies and procedures to detect the misuse of

material, non-public information.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 11D. Personal Trading at Same Time as Client

While Liberty Point allows Supervised Persons to purchase or sell the same securities that may be recommended to

and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterwards. At

no time will Liberty Point, or any Supervised Person of Liberty Point, transact in any security to the detriment

of any Client.

Item 12 – Brokerage Practices

A. Recommendation of Custodian[s]

Liberty Point does not have discretionary authority to select the broker-dealer/custodian for custody and execution

services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and

authorize Liberty Point to direct trades to the Custodian as agreed upon in the investment advisory agreement.

Further, Liberty Point does not have the discretionary authority to negotiate commissions on behalf of Clients on a

trade-by-trade basis.

Where Liberty Point does not exercise discretion over the selection of the Custodian, it may recommend the

Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended

by the Advisor and will not incur any extra fee or cost associated with using a custodian not recommended by Liberty

Point. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not

engaged. Liberty Point may recommend the Custodian based on criteria such as, but not limited to, reasonableness

of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of

the Custodian’s offices.

The Advisor will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc.

(“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified

custodian”. The Advisor maintains an institutional relationship with Schwab, whereby the Advisor receives economic

benefits. Please see Item 14 – Client Referrals and Other Compensation below. Following are additional details

regarding the brokerage practices of the Advisor:

1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters

into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other

services. Liberty Point does not participate in soft dollar programs sponsored or offered by any broker-

dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see

Item 14 below.

2. Brokerage Referrals - Liberty Point does not receive any compensation from any third party in connection with

the recommendation for establishing an account.

3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Liberty Point will place trades

within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded

within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security

from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security

into one Client account from another Client’s account[s]). Liberty Point will not be obligated to select competitive bids

on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs

are determined by the Custodian.

B. Aggregating and Allocating Trades

The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the

most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution,

4) confidentiality and 5) skill required of the Custodian. Liberty Point will execute its transactions through the

Custodian as authorized by the Client. Liberty Point may aggregate orders in a block trade or trades when securities

are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block

trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of

each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 12statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’

accounts.

Item 13 – Review of Accounts

A. Frequency of Reviews

Securities in Client accounts are monitored on a regular and continuous basis by Taylor R. Carlson, Chief Compliance

Officer of Liberty Point. Formal reviews of Client accounts and financial plans, are generally conducted by Liberty

Point at least annually or more frequently depending on the needs of the Client.

B. Causes for Reviews

In addition to the ongoing monitoring noted in Item 13.A., the Advisor conducts a review of each Client account and/or

financial plan at least annually. More frequent reviews may occur upon the Client’s request or as needed based on

specific circumstances. Reviews may be triggered by: significant changes in economic, market, or political conditions;

known material changes in the Client’s financial situation, goals, risk tolerance; large deposits or withdrawals; or other

events that could materially affect the suitability of the current investment strategy. The Client is encouraged to notify

Liberty Point if changes occur in the Client’s personal financial situation that might adversely affect the Client’s

investment plan. Additional reviews may be triggered by material market, economic or political events. For stand-

alone financial plans (not part of ongoing investment management services), any subsequent review or update

requires a new engagement under a separate agreement, typically billed at the hourly rate described in Item 5.

C. Review Reports

The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements

are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s

website so that the Client may view these reports and their account activity. Client brokerage statements will include

all positions, transactions and fees relating to the Client’s account[s]. The Advisor also provides Clients with at least

annual written reports regarding their holdings, allocations, and performance.

Item 14 – Client Referrals and Other Compensation

A. Compensation Received by Liberty Point

Liberty Point is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product.

Liberty Point does not receive commissions or other compensation from product sponsors, broker-dealers or any un-

related third party. Liberty Point may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys,

accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise,

Liberty Point may receive non-compensated referrals of new Clients from various third-parties.

As noted in Item 5.E, certain Advisory Persons are also licensed as independent insurance professionals and may

receive additional compensation which is separate and distinct from investment advisory fees earned in their capacity

as investment advisor representatives of Liberty Point. Please see Item 5.E and Item 10 of this Disclosure Brochure

for additional information.

Participation in Institutional Advisor Platform

The Advisor has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a

division of Schwab dedicated to serving independent advisory firms like the Advisor. As a registered investment

advisor participating on the Schwab Advisor Services platform, the Advisor receives access to software and related

support without cost because the Advisor renders investment management services to Clients that maintain assets

at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services

provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put

the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a

custodian creates a conflict of interest since these benefits can influence the Advisor's recommendation of Schwab

over a custodian that does not furnish similar software, systems support, or services.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 13Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of

investment products, execution of securities transactions, and custody of Client’s funds and securities. Through

Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able

to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and

other investments without having to adhere to investment minimums that might be required if the Client were to

directly access the investments.

Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology,

research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts,

the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with

Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may

not directly benefit all Clients.

Services that May Only Benefit the Advisor – Schwab also offers other services to the Advisor that may not benefit

the Client, including: educational conferences and events, consulting services and discounts for various service

providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results

in a potential conflict of interest. The Advisor believes, however, that the selection of Schwab as Custodian is in the

best interests of its Clients.

B. Compensation for Client Referrals

The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client

referrals.

Item 15 – Custody

Liberty Point does not accept or maintain custody of any Client accounts, except for the authorized deduction of the

Advisor’s fees. All Clients must place their assets with a “qualified custodian”. Clients are required to engage the

Custodian to retain their funds and securities and direct Liberty Point to utilize that Custodian for the Client’s security

transactions. Clients should review statements provided by the Custodian and compare to any reports provided by

Liberty Point to ensure accuracy, as the Custodian does not perform this review. For more information about

custodians and brokerage practices, see Item 12 – Brokerage Practices.

Item 16 – Investment Discretion

Liberty Point has discretion over the selection and amount of securities to be bought or sold in Client accounts without

obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified

investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Liberty Point.

Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be

evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such

authority. All discretionary trades made by Liberty Point will be in accordance with each Client's investment objectives

and goals.

Item 17 – Voting Client Securities

Liberty Point does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly

from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the

sole responsibility for proxy decisions and voting.

Item 18 – Financial Information

Neither Liberty Point, nor its management, have any adverse financial situations that would reasonably impair the

ability of Liberty Point to meet all obligations to its Clients. Neither Liberty Point, nor any of its Advisory Persons, have

been subject to a bankruptcy or financial compromise. Liberty Point is not required to deliver a balance sheet along

with this Disclosure Brochure as the Advisor does not collect advance fees of $500 or more for services to be

performed six months or more in the future.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 14Item 19 – Requirements for State Registered Advisors

A. Educational Background and Business Experience of Principal Officer

The Principal Officer of Liberty Point is Taylor R. Carlson. Information regarding the formal education and background

of Mr. Carlson is included in his Form ADV 2B – Brochure Supplement below.

B. Other Business Activities of Principal Officer

Insurance Agency Affiliations

Mr. Carlson is also a licensed insurance professional. Implementations of insurance recommendations are separate

and apart from Mr. Carlson’s role with Liberty Point. As an insurance professional, Mr. Carlson will receive customary

commissions from the various insurance companies whose products are sold. Mr. Carlson is not required to offer the

products of any particular insurance company. Commissions generated by insurance sales do not offset regular

advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance

companies. Clients are under no obligation to implement any recommendations made by Mr. Carlson or the Advisor.

Mr. Carlson spends less than 5% of his time per month in this capacity.

The Corporation of the President

Mr. Carlson is also a Seminary Teacher for The Corporation of the President. In this capacity, Mr. Carlson teaches

high school aged youth. Mr. Carlson is compensated for this activity. Mr. Carlson spends approximately 50% of his

time per month in this capacity.

Step League

Mr. Carlson is also the Owner of Step League, a stepping competition application. In this capacity, Mr. Carlson owns

and develops an application for individuals who can participate in competition for steps over the course of a month.

Mr. Carlson spends less than 5% of his time per month in this capacity.

C. Performance Fee Calculations

Neither Liberty Point or its Advisory Persons charge performance-based fees for its investment advisory services.

The fees charged by Liberty Point are as described in Item 5 – Fees and Compensation above and are not based

upon the capital appreciation of the funds or securities held by any Client.

D. Disciplinary Information

There are no legal, civil or disciplinary events to disclose regarding Liberty Point or Mr. Carlson. Neither

Liberty Point nor Mr. Carlson have ever been involved in any regulatory, civil or criminal action. There have been no

client complaints, lawsuits, arbitration claims or administrative proceedings against Liberty Point or Mr. Carlson.

Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been

found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud;

false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or

extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary

events to disclose regarding Liberty Point or Mr. Carlson.

E. Material Relationships with Issuers of Securities

Neither Liberty Point nor do Mr. Carlson have any relationships or arrangements with issuers of securities.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 15Form ADV Part 2B – Brochure Supplement

for

Taylor R. Carlson

Principal and Chief Compliance Officer

Effective: May 20, 2026

This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Taylor

R. Carlson (CRD# 7953785) in addition to the information contained in the Liberty Point Financial (“Liberty Point” or

the “Advisor”, CRD# 340888) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if

you have any questions about the contents of the Liberty Point Disclosure Brochure or this Brochure Supplement,

please contact us at (385) 245-3800.

Additional information about Mr. Carlson is available on the SEC’s Investment Adviser Public Disclosure website at

www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7953785.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 16Item 2 – Educational Background and Business Experience

Taylor R. Carlson, born in 1994, is dedicated to advising Clients of Liberty Point as its Principal and Chief Compliance

Officer. Mr. Carlson earned his Bachelor’s Degree in Interpersonal and Family Communication from Were State

University in 2018. Mr. Carlson also earned his MBA from Western Governors University in 2023. Additional

information regarding Mr. Carlson’s employment history is included below.

Employment History:

Principal and Chief Compliance Officer, Liberty Point Financial Financial Advisor, Edward Jones 02/2026 to Present

07/2024 to 02/2026

Seminary Teacher, The Corperation of the Church Roofing Foreman, Monson and Monson Roofing Item 3 – Disciplinary Information

04/2019 to 08/2024

03/2015 to 03/2019

There are no legal, civil or disciplinary events to disclose regarding Mr. Carlson. Mr. Carlson has never been

involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims

or administrative proceedings against Mr. Carlson.

Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been

found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes;

fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery,

counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no

legal, civil or disciplinary events to disclose regarding Mr. Carlson.

However, we do encourage you to independently view the background of Mr. Carlson on the Investment Adviser

Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD#

7953785.

Item 4 – Other Business Activities

Insurance Agency Affiliations

Mr. Carlson is also a licensed insurance professional. Implementations of insurance recommendations are separate

and apart from Mr. Carlson’s role with Liberty Point. As an insurance professional, Mr. Carlson will receive customary

commissions from the various insurance companies whose products are sold. Mr. Carlson is not required to offer the

products of any particular insurance company. Commissions generated by insurance sales do not offset regular

advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance

companies. Clients are under no obligation to implement any recommendations made by Mr. Carlson or the Advisor.

Mr. Carlson spends less than 5% of his time per month in this capacity.

The Corporation of the President

Mr. Carlson is also a Seminary Teacher for The Corporation of the President. In this capacity, Mr. Carlson teaches

high school aged youth. Mr. Carlson is compensated for this activity. Mr. Carlson spends approximately 50% of his

time per month in this capacity.

Step League

Mr. Carlson is also the Owner of Step League, a stepping competition application. In this capacity, Mr. Carlson owns

and develops an application for individuals who can participate in competition for steps over the course of a month.

Mr. Carlson spends less than 5% of his time per month in this capacity.

Item 5 – Additional Compensation

Mr. Carlson has additional business activities where compensation is received that are detailed in Item 4 above.

Neither Mr. Carlson nor the Advisor earn economic benefits (marketing allowances, incentives, or practice support)

from any third party for providing investment advisory or insurance services to Clients of the Advisor.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 17Item 6 – Supervision

Mr. Carlson serves as the Principal and Chief Compliance Officer of Liberty Point. Mr. Carlson can be reached at

(385) 245-3800.

Liberty Point has implemented a Code of Ethics, an internal compliance document that guides each Supervised

Person in meeting their fiduciary obligations to Clients of Liberty Point.

Item 7 – Requirements for State Registered Advisors

A. Arbitrations and Regulatory Proceedings

State regulations require disclosure if any Supervised Person of the Advisor is subject to:

1. 2. An award or otherwise being found liable in an arbitration claim alleging damages in excess of $2,500,

involving any of the following:

a. an investment or an investment-related business or activity;

b. fraud, false statement(s), or omissions;

c. theft, embezzlement, or other wrongful taking of property;

d. bribery, forgery, counterfeiting, or extortion; or

e. dishonest, unfair, or unethical practices.

An award or otherwise being found liable in a civil, self-regulatory organization, or administrative

proceeding involving any of the following:

a. b. c. d. e. an investment or an investment-related business or activity;

fraud, false statement(s), or omissions;

theft, embezzlement, or other wrongful taking of property;

bribery, forgery, counterfeiting, or extortion; or

dishonest, unfair, or unethical practices.

Mr. Carlson does not have any disclosures to make regarding this Item.

B. Bankruptcy

If a Supervised Person has been the subject of a bankruptcy petition, that fact and the details must be disclosed.

Mr. Carlson does not have any disclosures to make regarding this Item.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 18Privacy Policy

Effective: May 20, 2026

Our Commitment to You

Liberty Point Financial LLC (“Liberty Point” or the “Advisor”) is committed to safeguarding the use of personal

information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as

described here in our Privacy Policy (“Policy”).

Our relationship with you is our most important asset. We understand that you have entrusted us with your private

information, and we do everything that we can to maintain that trust. Liberty Point (also referred to as "we", "our" and

"us”) protects the security and confidentiality of the personal information we have and implements controls to ensure

that such information is used for proper business purposes in connection with the management or servicing of our

relationship with you.

Liberty Point does not sell your non-public personal information to anyone. Nor do we provide such information to

others except for discrete and reasonable business purposes in connection with the servicing and management of

our relationship with you, as discussed below.

Details of our approach to privacy and how your personal non-public information is collected and used are set forth

in this Policy.

Why you need to know?

Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing

your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how

we collect, share, and protect your personal information.

What information do we collect from you?

Driver’s license number 

Date of birth

Social security or taxpayer identification number 

Name, address and phone number[s] 

Income and expenses

E-mail address[es] 

Investment activity

Account information (including other institutions) 

Investment experience and goals

What Information do we collect from other sources?

Custody, brokerage and advisory agreements 

Account applications and forms

Other advisory agreements and legal documents 

Investment questionnaires and suitability

documents

Transactional information with us or others 

Other information needed to service account

How do we protect your information?

To safeguard your personal information from unauthorized access and use we maintain physical, procedural and

electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a

secure office environment. Our technology vendors provide security and access control over personal information

and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s

personal information.

We require third parties that assist in providing our services to you to protect the personal information they receive

from us.

Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075

Phone: (385) 245-3800

Page 19Liberty Point Financial LLC

1340 S 4125 W, Syracuse, UT 84075