Next Financial Advisors LLC

Next Financial Advisors LLC, also known as Copper, is a registered investment adviser specializing in web-based discretionary investment advisory services for U.S.-based families. Clients access services through a mobile application owned by Copper Banking. The firm offers exchange-traded funds (ETFs) selected and weighted for each individual client account. Clients must complete account-opening documents, a suitability questionnaire, and an Investment Advisory Agreement before initiating deposits. NFA manages client accounts using three pre-constructed portfolios based on risk profiles. Clients may implement restrictions on ETFs or weightings. The firm charges a fixed monthly Wrap Fee of $2.95, payable on the effective date of the Advisory Agreement. Clients may cancel their subscription at any time through the NFA App. NFA does not provide in-person advisory services and communicates solely through the Platform. The firm uses proprietary algorithms to analyze client risk profiles and provide customized investment recommendations. Clients are responsible for voting proxies and receive proxy materials directly from the custodian. NFA emphasizes acting as a fiduciary and has a Code of Ethics to manage potential conflicts of interest. The firm does not recommend securities in which it or related persons have a material financial interest. Clients have full access and control over their accounts, including the ability to monitor performance and holdings. NFA periodically reviews accounts to ensure alignment with client inputs and urges clients to update their profiles regularly.