Silver Oak Securities, Inc.

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

The brochure lists different fees for different services or strategies; see the brochure for them.

Flat fee: $15,000 to $75,000 a year (Align Wealth Management service)

As stated in the firm's Form ADV Part 2A brochure dated March 31, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site

$2,448,325,094 as of October 2026, filing dated September 9, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses
• Portfolio management for businesses (other than small businesses) or institutional clients
• Pension consulting services
• Selection of other advisers (including private fund managers)

Legal name

Silver Oak Securities Incorporated

Also doing business as

AMERICAN CORNERSTONE GROUP, INC., AMS FINANCIAL GROUP, ARBOR FINANCIAL ADVISORS, ARMOR FINANCIAL, GROUP, ASSET PLANNING SERVICES, INC., B&H WEALTH, BARONE FINANCIAL GROUP, BENEFIT FINANCIAL SERVICES, LLC, BENNETT & BENNETT FINANCIAL, LLC, BIG ROCK WEALTH ADVISORS, BIVEN FINANCIAL SERVICES, BROWN FINANCIAL SERVICES, CAROLINAS WEALTH MANAGEMENT, CHANCERY FINANCIAL ADVISORS, CLOVER WEALTH PARTNERS, COKER WEALTH MANAGEMENT, LLC, COMPREHENSIVE FINANCIAL STRATEGIES, LLC, CORAM DEO ADVISORS, CORNERSTONE FINANCIAL GROUP, CREECH WEALTH MANAGEMENT, D & B ACCOUNTING & FINANCIAL GROUP, PLLC, DEKKER FINANCIAL SERVICES, EAST FINANCIAL, EJC INSURANCE AND FINANCIAL, F3 ADVISORS, FAMILY WEALTH ADVISORY, FINANCIAL RESOURCE ADVISORS, FINANCIAL SERVICE ASSOCIATES, GARRISON INVESTMENT STRATEGIES, GARY W DORSEY AND ASSOCIATES, GRUCZ FINANCIAL, HEARN WEALTH MANAGEMENT, HOLLIMAN GROUP, JAFFE WEALTH MANAGEMENT & CONSULTING INC., JMS FINANCIAL SOLUTIONS, LLC, JOANNA SLADE, CLU?, CFP?, EA, L.P. FINANCIAL ADVISORS, INC., LAMON & WALLACE, LEDGEROCK ADVISORS, LLC, LEON FINANCIAL GROUP, LIFETIME FINANCIAL GROUP, INC., LIFETIME FINANCIAL SOLUTIONS, INC., LOCKMUND FINANCIAL GROUP, MAGNATE WEALTH, MCKNIGHT ADVISORY GROUP, INC., MIDDLETON FINANCIAL, MOSS WEALTH ADVISORS, LLC, MOTIVE FINANCIAL SERVICES, NEW FINANCIAL CONCEPTS, INC., NICOLAS GEORGE FINANCIAL, PEAK WEALTH ADVISORS, PORTFOLIO IA, RAILEY FINANCIAL SERVICE, RETIREMENT SECURITY GROUP, SCHROCK FINANCIAL LLC, SECURE RETIREMENT ADVISORS, LLC, SMART PLAN FINANCIAL, SOLID ROCK RETIREMENT STRATEGIES, SOUTHERN TRUST WEALTH MANAGEMENT, SPIVEY FINANCIAL GROUP, STOLTZFUS FINANCIAL, TALLGRASS WEALTH MANAGEMENT, TRINITAS FINANCIAL PARTNERS, TRUNORTH INVESTMENT MANAGEMENT, VISION ASSET MANAGEMENT, VISION401K LLC, WEALTH COACH FINANCIAL, WICKER FINANCIAL GROUP, WINTEREGG AND ASSOCIATES, ZETTERGREN FINANCIAL GROUP, ZOOK FINANCIAL

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2010 (16 years)

Employees

Total: 103. Performing investment advisory functions: 103.

Wrap fee program participation

No.

Custodians (Schedule D, Section 5.K(3))

Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

21 other offices, as of the October 2026 filing

Beachwood, OHBowling Green, KYBrentwood, TNChandler, AZCincinnati, OHColorado Springs, COCreston, IAFlorence, KYGreenville, SCGreenwood, INKingsport, TNKnoxville, TNLouiisville, KYLouisville, KYMemphis, TNMount Joy, PAMurfreesboro, TNPeoria, ILSalt Lake City, UTWarminster, PAWilmette, IL

States registered or notice-filed

51 states or jurisdictions

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

4 Reports 4 disclosure items on Form ADV Item 11. View on IAPD.

Questions answered yes on this filing

Regulatory matters Items 11.C to 11.G

• 11.D(2) Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
• 11.D(4) In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?
• 11.D(5) Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?
• 11.E(2) Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. What happened, and who was involved, is on the Disclosure Reporting Pages of the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $765,802,520 in the October 2021 data and $2,448,325,094 in the October 2026 data, up 220%.

Total employees: 70 in October 2021 and 103 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. October 2026
   • Added the business name Nicolas George Financial.
2. August 2026
   • No longer lists the business name Fortune Strategies LLC.
   • Added the business name East Financial.
3. June 2026
   • Added the business name Motive Financial Services.
4. April 2026
   • No longer lists the business name Black Oak Asset Management.
   • No longer lists the business name Invite Wealth Management.
   • Added the business name Clover Wealth Partners.
   • Employees performing advisory functions went from 106 to 103.
   • Regulatory assets under management went from $2,028,010,263 to $2,448,325,094 (+21%).
   • Added an office in Louisville, KY.
   • No longer lists an office in Alpharetta, GA.
5. January 2026
   • Added the business name VISION401K LLC.
   • Added the business name Benefit Financial Services, LLC.
6. December 2025
   • No longer lists the business name Joanna Slade, CLU®, CFP®, EA.
   • Added the business name Secure Retirement Advisors, LLC.
   • Added the business name Leon Financial Group.
   • Added the business name Joanna Slade, CLU?, CFP?, EA.
   • Added the business name Barone Financial Group.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.