CT Financial Partners offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to CT Financial Partners rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with CT Financial Partners setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). CT Financial Partners filed for registration as an investment adviser in February 2023 and is owned by Craig Thistlethwaite. As of the date of this filing, CT Financial Partners does not have any assets under management. While this brochure generally describes the business of CT Financial Partners, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on CT Financial Partners’s behalf and are subject to the Firm’s supervision or control. CT Financial Partners provides advisory services through certain programs sponsored by LPL Financial LLC (“LPL”), a registered investment advisor and broker-dealer. CT Financial Partners provides its wrapped services pursuant to this brochure. For more information regarding any LPL programs please see the program account packet (which includes the account agreement and LPL Form ADV program brochure) or request additional information. Financial Planning and Consulting Services CT Financial Partners offers clients a broad range of financial planning and consulting services, which include any or all of the following functions:
• Business Planning
• Cash Flow Forecasting
• Trust and Estate Planning
• Financial Reporting
• Investment Consulting
• Insurance Planning
• Retirement Planning
• Risk Management
• Charitable Giving
• Distribution Planning
• Tax Planning
• Education Planning In performing these services, CT Financial Partners is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. CT Financial Partners recommends certain clients engage the Firm Page | 5 © MarketCounsel 2023 for additional related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage CT Financial Partners or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by CT Financial Partners under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising CT Financial Partners’s recommendations and/or services. Wealth Management Services CT Financial Partners provides clients with wealth management services which include a broad range of financial planning and consulting services as well as discretionary management of investment portfolios. CT Financial Partners primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual equity (and occasionally individual debt) securities and options in accordance with their stated investment objectives. Where appropriate, the Firm also

provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can engage CT Financial Partners to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, CT Financial Partners directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. CT Financial Partners tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. CT Financial Partners consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify CT Financial Partners if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if CT Financial Partners determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Page | 6 © MarketCounsel 2023 Retirement Plan Consulting Services CT Financial Partners provides various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or all of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Executive Planning & Benefits
• Investment Selection
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Fiduciary and Compliance
• Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by CT Financial Partners as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of CT Financial Partners’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement. Sponsor and Manager of Wrap Program CT Financial Partners provides investment management services as the sponsor and manager of the Talisman Wealth Advisors Wrap Program (the “Wrap Program”), a wrap fee program (i.e., an arrangement where certain brokerage commissions and transaction costs are absorbed by the Firm). Accounts managed through the Wrap Program are done so in substantially the same manner as those managed under a non- wrap arrangement. Participants in the Wrap Program may pay a higher or lower aggregate fee than if investment management and brokerage services are purchased separately. Additional information about the Wrap Program is available in CT Financial Partners’s Wrap Brochure, which appears as Part 2A Appendix 1 of the Firm’s Form ADV (the “Wrap Brochure”).