Andrew Wayne Joski

Name of other business: Joski Insurance. Investment-related: Yes. Address: 65 N Plummer Rd, Star, ID 83669. Nature of business: Insurance sales and insurance consulting, including life insurance, disability insurance, long-term care insurance, fixed annuities, and fixed indexed annuities. Position/title/relationship: Licensed Insurance Agent. Start date: 03/2023. Approximate hours per month: 20–30 hours per month. Hours during securities trading hours: 5–15 hours per month. Duties: Mr. Joski meets with clients and prospective clients regarding insurance needs, gathers information, reviews insurance and annuity options, explains available product options, submits applications, services policies, and may receive insurance commissions where applicable. Mr. Joski is a licensed insurance agent affiliated with Joski Insurance and may offer life insurance, disability insurance, long-term care insurance, fixed annuities, and fixed indexed annuities. This activity is investment-related because insurance and annuity products may be discussed in connection with financial planning, retirement income planning, and risk management. Insurance products are offered separately from advisory services provided through Joski Financial LLC. Mr. Joski may receive commissions or other compensation from insurance carriers or insurance marketing organizations in connection with insurance sales. Clients are informed of this conflict of interest and are not required to purchase insurance products through Mr. Joski or Joski Insurance.**