Thomas J. Brown, CFP™
Brown Financial Management Group LLC

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2023 Brown Financial Management Group, LLC ADV Part 2a

2023 Brown Financial Management Group LLC ADV Part 2B

2023 Brown Financial Management CRS form

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Brown Financial Management Group LLC

Office: 518-464-9974

Fax: 518-464-9976

950 New Loudon Rd

Ste 105

Latham, NY 12110

tom@thomasjbrown.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities offered through Cambridge Investment Research, Inc. a Broker/Dealer, Member FINRA/SIPC to residents of CT, FL, GA, IL, MA, MD, ME, MO, NC, NJ, NY, PA, SC, TX, VA and WI and Investment Advisory services offered through Brown Financial Management Group LLC, a Registered Investment Advisor. Brown Financial Management Group LLC and Cambridge Investment Research, Inc. are unaffiliated.

IMPORTANT DISCLOSURE INFORMATION

Brown Financial Management Group, LLC (“BFMG”) is an SEC registered investment adviser located in Latham, New York. A copy of the BFMG current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.

The BFMG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The BFMG’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the BFMG’s web site on the Internet should not be construed by any consumer and/or prospective client as BFMG’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by the BFMG with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of the BFMG’s current written disclosure Brochure and Form CRS discussing the BFMG’s business operations, services, and fees is available on this web site and/or from BFMG upon written request. The BFMG does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the BFMG’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by the BFMG), will be profitable or equal any historical performance level(s).

Certain portions of the BFMG’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, the BFMG (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from BFMG, or from any other investment professional. The BFMG is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

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Each client and prospective client agrees, as a condition precedent to his/her/its access to BFMG’s web site, to release and hold harmless the BFMG, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the BFMG.