The Arkansas Financial Group, Inc.

The Arkansas Financial Group, Inc. is an SEC registered investment adviser established in 1982. The firm specializes in providing wealth management services on a fee-only basis, including financial planning and discretionary investment portfolio management. Clients are required to enter into written agreements detailing the services, fees, and terms of engagement. The firm primarily invests in mutual funds, ETFs, and individual debt securities based on client objectives. AFG does not participate in wrap programs and manages over $667 million in assets. Fees are structured as a core financial planning fee and an investment management fee, ranging from 0.25% to 0.90% based on assets under management. AFG's investment philosophy is based on Modern Portfolio Theory and Behavioral Finance. The firm does not have any disciplinary events to disclose and does not participate in performance-based fees. Clients include individuals, high net worth individuals, pension plans, trusts, and corporations. AFG recommends Fidelity as a custodian and does not vote client proxies. The firm does not require prepayment exceeding $1,200 and has no financial conditions impairing its commitments. Clients can contact Mary E. McCraw, the Chief Compliance Officer, for any questions regarding the firm's services.