Joseph Keith Kessel

Kessel Law, PLLC I formed a law firm entity that may provide legal services. In an exercise of caution, I am disclosing it as a potential business activity, although it is not an "activity" at present, and, as such, is not an "Outside Business Activity"; it is merely an entity registration at this point. The name of the entity is Kessel Law PLLC. It is not investment-related. The address is 1090 Vermont Avenue, NW, Washington, DC, 20005, Attn: Corporation Service Company. Nature of business: legal services. My position: sole owner/lawyer. Title: lawyer/attorney at law; Managing Member. Start date: 4/15/2021. Approximate hours per month: 0. Number of hours during securities trading hours: 0. Duties: per the "Nature of the Business" disclosure above, the duties, if in fact activities were to occur, would be to provide legal services. If clients or duties were to be acquired, they would neither be related to my present employment with IFP Securities and IFP Advisors, nor clients of such firms, and would not occur during trading hours, and, in my assessment, would not present a conflict-of-interest. Kessel Advisory Services, LLC Kessel Advisory Services, LLC, registered in Wyoming, with the agent address-of-record being 30 N Gould St., Sheridan, WY 82801. There is no other physical address for this entity/business. The formation date was 7/2021. As a career lawyer and compliance professional, I advise, on a part-time basis, registered broker/dealers and investment advisers on compliance matters. As such, I established an entity, which is essentially designed to be my brand name under which I may and do provide advice and compliance services to such entities. I serve as the Managing Member/CEO and sole employee/owner for this entity. Any advice provided would be of a securities industry compliance nature, but could conceivably be broader than the securities industry. The entity is not investment-related. Estimated time devoted to the entity/business = 10 hours per month. I do not and would not provide advice during regular business/trading hours. Any such business would not be in relation to (i) my current employment with Independent Financial Partners ("IFP"), (ii) representatives of IFP or (iii) any party adverse to IFP. If any conflict were identified or arise, I would terminate any business/representation of Kessel Advisory Service, LLC that conflicts with IFP.