---
title: Fusion Family Wealth ADV 2A
description: Fusion Family Wealth, LLC, a Registered Investment Advisor in New York, provides investment advisory and related services for clients nationally
---

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# DISCLOSURES

# ADV 2A

Item 1    Cover Page  
FUSION FAMILY WEALTH, LLC  
SEC File # 801-78339

![](https://www.fusionfamilywealth.com/hs-fs/hubfs/image-png-2.png?width=363&height=363&name=image-png-2.png)

ADV Part 2A, Brochure  
Dated: March 2, 2026  
Contact: Brett Stanton, Chief Compliance Officer  
88 Froehlich Farm Boulevard, Suite 401, Woodbury, New York 11797 B.Stanton@FusionFamilyWealth.com  
(516) 206-1320  
[www.FusionFamilyWealth.com](http://www.FusionFamilyWealth.com)

This Brochure provides information about the qualifications and business practices of Fusion Family   
Wealth, LLC (the “Registrant”). If you have any questions about the contents of this Brochure,   
please contact us at BStanton@FusionFamilyWealth.com or (516) 206-1320. The information in this   
Brochure has not been approved or verified by the United States Securities and Exchange Commission   
or by any state securities authority.

Additional information about Fusion Family Wealth, LLC also is available on the SEC’s website at   
www.adviserinfo.sec.gov.  
References herein to Fusion Family Wealth, LLC as a “registered investment adviser” or any  
reference to being “registered” does not imply a certain level of skill or training.

Item 2    Material Changes  
There have been no material changes made to this Disclosure Brochure since the last annual   
amendment filing on February 14ᵗʰ, 2025.

ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions regarding this Form ADV Part 2A, including the disclosure additions and   
enhancements below.

Item 3    Table of Contents  
Item 1  Cover   
Page................................................................................................  
.................................... 1  
Item 2  Material Changes   
....................................................................................................  
...................... 2  
Item 3  Table of   
Contents............................................................................................  
.............................. 2  
Item 4  Advisory Business   
....................................................................................................  
.................... 3  
Item 5  Fees and Compensation   
....................................................................................................  
.......... 11  
Item 6  Performance-Based Fees and Side-by-Side Management   
.......................................................... 14  
Item 7  Types of   
Clients.............................................................................................  
............................. 14  
Item 8  Methods of Analysis, Investment Strategies and Risk of   
Loss................................................... 14  
Item 9  Disciplinary Information   
....................................................................................................  
........ 18  
Item 10 Other Financial Industry Activities and Affiliations   
.................................................................. 18  
Item 11  Code of Ethics, Participation or Interest in Client Transactions and Personal   
Trading.............. 18  
Item 12 Brokerage Practices   
....................................................................................................  
................ 19  
Item 13 Review of   
Accounts............................................................................................  
........................ 21  
Item 14 Client Referrals and Other Compensation   
.................................................................................. 21  
Item 15   
Custody.............................................................................................  
.......................................... 22  
Item 16 Investment   
Discretion..........................................................................................  
....................... 22  
Item 17 Voting Client   
Securities..........................................................................................  
.................... 23  
Item 18 Financial Information   
....................................................................................................  
............. 24

Item 4    Advisory Business  
A. Fusion Family Wealth, LLC (the “Registrant”) is a Delaware limited liability company, which has   
been registered as an Investment Adviser with the United States Securities and Exchange Commission   
on July 25, 2013. The Registrant is principally owned by Fusion Family Wealth Holdings, LLC. That   
entity is principally owned by FFW, Legacy, LLC, which is principally owned by Jonathan Blau, who   
also serves as the Registrant’s sole Member and Chief Executive Officer.

B. As discussed below, the Registrant offers investment advisory services and retirement plan   
consulting services to its clients (generally comprised of individuals, high net worth individuals,   
related trusts and estates, pension, and profit-sharing plans, etc.).

INVESTMENT ADVISORY SERVICES  
The client can engage the Registrant to provide discretionary or non-discretionary investment   
advisory services. The Registrant’s annual investment advisory fee is based upon a percentage (%)   
of the market value of the assets placed under the Registrant’s management. Before engaging the   
Registrant to provide investment advisory services, clients are required to enter into an   
Investment Advisory Agreement with Registrant setting forth the terms and conditions of the   
engagement (including termination), describing the scope of the services to be provided, and the   
fee that is due from the client. Registrant’s annual investment advisory fee shall include   
investment advisory services, and, to the extent specifically requested by the client and accepted   
by the Registrant, financial planning and consulting services. If Registrant determines in its sole   
discretion that the client requires extraordinary planning and/or consultation services, the   
Registrant may seek to charge for such additional services pursuant to a stand-alone Financial   
Planning Agreement as further described below.

Registrant provides investment advisory services specifically tailored to the needs of each client.   
Before providing investment advisory services, an investment adviser representative will ascertain   
each client’s investment objectives and develop an asset allocation based on a defined investment   
policy statement that focuses on client’s investment objectives, time horizon, and risk tolerance.   
Once client investment assets are allocated, the Registrant provides ongoing monitoring and review   
of account performance and asset allocation as compared to client-designated investment objectives   
and may execute or recommend execution of account transactions as a result of those reviews or   
based on other triggering events.  The advisor may retain certain types of investments from the   
Client’s legacy portfolio due to the fit with the overall portfolio strategy, tax-related reasons,   
or other reasons as identified between the Registrant and the Client.  
FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)  
To the extent specifically requested by a client, the Registrant may determine to provide financial   
planning and/or consulting services (including investment and non-investment related matters,   
including estate planning, insurance planning, etc.) on a stand-alone separate fee basis.   
Registrant’s planning and consulting fees are negotiable, depending upon the level and scope of the   
service(s) required and the professional(s) rendering the service(s). Before engaging the   
Registrant to provide planning or consulting services, clients are generally required to enter into   
a Financial Planning and Consulting Agreement with Registrant setting forth the terms and   
conditions of the engagement (including termination), describing the scope of the services to be   
provided, and the portion of the fee that is due from the client before Registrant commences services. If requested by the client,   
Registrant may recommend the services of other professionals for implementation purposes (i.e.,   
attorney, accountant, insurance agent, etc.), including professionals who serve as a promoter for   
the Registrant-see disclosure at Item 14 below. The client is under no obligation to engage the   
services of any such recommended professional. At all times, the engaged licensed professionals   
(i.e., attorney, accountant, insurance agent, etc.), and not Registrant, shall be responsible for   
the quality and competency of the services provided. The client retains absolute discretion over   
all such implementation decisions and is free to accept or reject any recommendation from the   
Registrant.  
ERISA PLAN and 401(k) INDIVIDUAL ENGAGEMENTS:

•  Trustee Directed Plans. Registrant may be engaged to provide discretionary investment advisory   
services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the   
investment objective designated by the Plan trustees. In such engagements, Registrant will serve as   
an investment fiduciary as that term is defined under The Employee Retirement Income Security Act   
of 1974 (“ERISA”). Registrant will generally provide services on an “assets under management” fee   
basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the   
Firm.

•  Participant Directed Retirement Plans. Registrant may also provide investment advisory and   
consulting services to participant directed retirement plans per the terms and conditions of a   
Retirement Plan Services Agreement between Registrant and the plan. For such engagements,   
Registrant shall assist the Plan sponsor with the selection of an investment platform from which   
Plan participants shall make their respective investment choices (which may include investment   
strategies devised and managed by Registrant), and, to the extent engaged to do so, may also   
provide corresponding education to assist the participants with their decision-making process.  
•  Client Retirement Plan Assets. If requested to do so, Registrant shall provide investment   
advisory services relative to the client’s 401(k) plan assets. In such event, Registrant shall   
recommend that the client allocate the retirement account assets among the investment options   
available on the 401(k) platform. The client is exclusively responsible for making all   
transactions. Registrant’s ability shall be limited to making recommendations regarding the   
allocation of the assets among the investment alternatives available through the plan. Registrant   
will not receive any communications from the plan sponsor or custodian, and it shall remain the   
client’s exclusive obligation to notify Registrant of any changes in investment alternatives,   
restrictions, etc. pertaining to the retirement account.  
MISCELLANEOUS  
Limitations of Non-Investment Consulting/Implementation Services. To the extent requested by a   
client, Registrant may provide financial planning and related consulting services regarding   
non-investment related matters, such as estate planning, tax planning, insurance, etc. The   
Registrant does not serve as a law firm, accounting firm, or insurance agency, and no portion of   
Registrant’s services should be construed as legal, accounting, or insurance implementation   
services. Accordingly, Registrant does not prepare estate planning documents, tax returns, or sell   
insurance products. To the extent requested by a client, Registrant may recommend the services of   
other professionals for certain non-investment implementation purposes (i.e., attorneys,   
accountants, insurance agents, etc.), which may include professionals who serve as a promoter for   
the Registrant-see disclosure at Item 14 below. Clients are reminded that they are under no   
obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation made by Registrant or its representatives. Please Note: If the client engages any recommended professional, and a dispute arises thereafter relative to such engagement, the client should seek recourse exclusively from and   
against the engaged professional. At all times, the engaged licensed professionals (i.e., attorney,   
accountant, insurance agent, etc.), and not Registrant, shall be responsible for the quality and   
competency of the services provided. Please Note:  Registrant will generally provide such planning   
and consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions could   
occur based upon assets under management, special projects, stand-alone planning engagements, etc.   
for which Firm may charge a separate or additional fee). Registrant believes that it is important   
for the client to address financial planning issues with the Registrant on an ongoing basis.   
Registrant’s fee, as set forth at Item 5 below, will remain the same regardless of whether or not   
the client determines to address planning issues with Registrant. Registrant remains available to   
address planning issues with the client on an ongoing basis.

Wealth Advisor Growth Network. Registrant’s indirect minority shareholder, Merchant Wealth   
Partners, LLC, maintains a minority ownership interest in Wealth Advisor Growth Network (“WAGN”), a   
company that offers consulting and support services to independent wealth management firms. Fusion   
has engaged a service provider (LibertyFi LLC, an advisory industry technology and administrative   
services support provider)  that compensates WAGN for introductions. Fusion’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions that such arrangements may   
create, including conflicts of interest.  
Investment Risk. Different types of investments involve varying degrees of risk, and it should not   
be assumed that future performance of any specific investment or investment strategy (including the   
investments and/or investment strategies recommended or undertaken by Registrant) will be   
profitable or equal any specific performance level(s).

Client Obligations. In performing its services, Registrant shall not be required to verify any   
information received from the client or from the client’s other professionals and is expressly   
authorized to rely thereon. Moreover, each client is advised that it remains their responsibility   
to promptly notify the Registrant if there is ever any change in their financial situation or   
investment objectives for the purpose of reviewing, evaluating, or revising Registrant’s previous   
recommendations and/or services.

Disclosure Brochure. A copy of this Brochure shall be provided to each client prior to, or   
contemporaneously with, the execution of the applicable form of client agreement.  
Non-Discretionary Service Limitations. Clients that determine to engage Registrant on a   
non-discretionary investment advisory basis must be willing to accept that Registrant cannot affect   
any account transactions without obtaining prior consent to such transaction(s) from the client.   
Thus, in the event that Registrant would like to make a transaction for a client’s account   
(including in the event of an individual holding or general market correction), and the client is   
unavailable, the Registrant will be unable to affect the account transaction(s) (as it would for   
its discretionary clients) without first obtaining the client’s consent. This could place affected   
accounts at a disadvantage.

Portfolio Activity. Registrant has a fiduciary duty to provide services consistent with the  
client’s best interest. As part of its investment advisory services, Registrant will review  
client portfolios on an ongoing basis to determine if any changes are necessary based upon various   
factors, including, but not limited to, investment performance, market conditions, fund manager   
tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment   
objective. Based upon these factors, there may be extended periods of time when Registrant   
determines that changes to a client’s portfolio are neither necessary, nor prudent. The advisory   
fees described in Item 5 below remain due and payable during periods of account inactivity.  
Asset Aggregation / Reporting Services. Registrant may provide access to reporting services through   
one or more third-party aggregation / reporting platforms that can reflect all of the client’s   
investment assets, including those investment assets that the client has not engaged the Registrant   
to manage (the “Excluded Assets”). Registrant’s service for the Excluded Assets is strictly limited   
to reporting and specifically excludes investment management or implementation. Because Registrant   
does not have trading authority for the Excluded Assets, the client (and/or another investment   
professional), and not Registrant, will be exclusively responsible for directly implementing any   
recommendations for the Excluded Assets. Please refer to Item 5 below with respect to the   
additional reporting fee that clients may incur for the Excluded Assets. Further, the client and/or   
their other advisors that maintain trading authority, and not Registrant, shall be exclusively   
responsible for the investment performance or related activity (such as timing and trade errors)   
pertaining to the Excluded Assets. The third-party aggregation / reporting platforms may also   
provide access to financial planning information and applications, which should not be construed as   
services, advice, or recommendations provided by Registrant. Accordingly, Registrant shall not be   
held responsible for any adverse results a client may experience if the client engages in financial   
planning or other functions available on the third-party reporting platforms without Registrant’s   
participation or oversight.

Availability of Mutual Funds and Exchange Traded Funds. While the Registrant may allocate   
investment assets to mutual funds and exchange traded funds (“ETFs”) that are not available   
directly to the public, the Registrant may also allocate investment assets to publicly available   
mutual funds and ETFs that the client could purchase without engaging Registrant as an investment   
adviser. However, if a client or prospective client determines to purchase publicly available   
mutual funds or ETFs without engaging Registrant as an investment adviser, the client or   
prospective client would not receive the benefit of Registrant’s initial and ongoing investment   
advisory services with respect to management of the asset. In addition to Registrant’s investment   
advisory fee described below, and transaction and/or custodial fees discussed below, clients will   
also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the   
fund level (e.g., management fees and other fund expenses).  
Cybersecurity Risk. The information technology systems and networks that Registrant and its   
third-party service providers use to provide services to Registrant’s clients employ various   
controls that are designed to prevent cybersecurity incidents stemming from intentional or   
unintentional actions that could cause significant interruptions in Registrant’s operations and/or   
result in the unauthorized acquisition or use of clients’ confidential or non-public personal   
information. Clients and Registrant are nonetheless subject to the risk of cybersecurity incidents   
that could ultimately cause them to incur financial losses and/or other adverse consequences.   
Although Registrant has established processes to reduce the risk of cybersecurity incidents, there   
is no guarantee that these efforts will always be successful,  especially  considering  that    
Registrant  does  not  directly  control  the cybersecurity measures and policies employed by   
third-party service providers, issuers or securities, broker-dealers, qualified custodians, governmental and other regulatory authorities,   
exchanges and other financial market operators and providers.

Artificial Intelligence. The Registrant may use certain Artificial Intelligence (“AI”) tools in   
connection with its investment advisory services. The Registrant has adopted an AI Policy that   
governs the appropriate use of AI tools to ensure that the Registrant and its employees abide by   
their fiduciary duty and comply with all applicable regulations. AI tools are not used by the   
Registrant as a substitute for professional judgment by the Registrant or its employees, and all AI   
generated output is reviewed by the Registrant for accuracy. All investment decisions and   
recommendations are made and approved by the Registrant. The use of AI tools does not guarantee the   
accuracy of analyses or the success of any investment strategy. Clients should not assume that   
reliance on AI tools results in better performance or reduces risk. AI tools involve limitations   
and risks. These risks include, but are not limited to, data security concerns, potential   
inaccuracies, and possible algorithmic biases. To mitigate these risks, the Registrant has   
implemented controls such as pre-approval requirements for AI tools, restrictions on providing   
nonpublic personal information to public AI systems, vendor due diligence, review of AI-generated   
materials, and employee training on appropriate AI usage.

Retirement Plan Rollovers – No Obligation / Conflict of Interest.  A client or prospective client   
leaving an employer typically has four options regarding an existing retirement plan (and may   
engage in a combination of these options): (i) leave the money in the former employer’s plan, if   
permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers   
are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the   
account value (which could, depending upon the client’s age, result in adverse tax consequences).   
If Registrant recommends that a client roll over their retirement plan assets into an account to be   
managed by Registrant, such a recommendation creates a conflict of interest if Registrant will earn   
new (or increase its current) compensation as a result of the rollover. If Registrant provides a   
recommendation as to whether a client should engage in a rollover or not (whether it is from an   
employer’s plan or an existing IRA), Registrant is acting as a fiduciary within the meaning of   
Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as   
applicable, which are laws governing retirement accounts. No client is under any obligation to roll   
over retirement plan assets to an account managed by Registrant, whether it is from an employer’s   
plan or an existing IRA. Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions that a client or prospective client may have regarding the potential for   
conflict of interest presented by such rollover recommendation.  
Independent Managers. The Registrant may allocate (and/or recommend that the client allocate) a   
portion of a client’s investment assets among unaffiliated independent investment managers /   
separately managed account platforms (“Independent Manager(s)”) in accordance with the client’s   
designated investment objectives according to the terms and conditions of a separate agreement   
between the client and the Independent Manager(s). In such situations, the Independent Manager(s)   
shall have day-to-day responsibility for the active discretionary management of the allocated   
assets. The Registrant shall continue to render investment advisory services to the client relative   
to the ongoing monitoring and review of account performance, asset allocation and client investment   
objectives. The Registrant generally considers the following factors when considering its   
recommendation to allocate investment assets to Independent Manager(s): the client’s designated   
investment objectives, management style, performance, reputation, financial strength, reporting,   
pricing, and research. The annual investment management fee charged by the Independent Manager(s)   
can range from 0.17% to 0.53% of the assets allocated to the Independent  
occurs, to help mitigate the corresponding yield dispersion, Fusion shall (usually within 30 days   
thereafter) generally (with exceptions) purchase a higher yielding money market fund available on   
the custodian’s platform, unless Fusion reasonably anticipates that it will utilize the cash   
proceeds during the subsequent 30-day period to purchase additional investments for the client’s   
account. Exceptions and/or modifications can and will occur with respect to all or a portion of the   
cash balances for various reasons, including, but not limited to the amount of dispersion between   
the sweep account and a money market fund, the size of the cash balance, an indication from the   
client of an imminent need for such cash, or the client has a demonstrated history of writing   
checks from the account. Please Note: The above does not apply to the cash component maintained   
within a Fusion actively managed investment strategy (the cash balances for which shall generally   
remain in the custodian designated cash sweep account), assets allocated to an unaffiliated   
investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The   
client shall remain exclusively responsible for yield dispersion/cash balance decisions and   
corresponding transactions for cash balances maintained in any Fusion unmanaged accounts. ANY   
QUESTIONS: Fusion’s Chief Compliance Officer, Brett Stanton, remains available to address any   
questions that a client or prospective client may have regarding the above.

Unaffiliated Private Investment Funds.  
Registrant does not recommend that its clients purchase private investment funds. However, the   
Registrant will assist the client with the purchase of same upon express request. Upon such   
request, the Registrant, on a non-discretionary basis, shall present prospective private funds to   
the client for the client’s review and consideration. Registrant’s role relative to unaffiliated   
private investment funds shall be limited to its initial and ongoing review and investment   
monitoring services. If a client determines to become an unaffiliated private fund investor, the   
amount of assets invested in the fund(s) shall be included as part of “assets under management” for   
purposes of Registrant calculating its investment advisory fee. Registrant’s fee shall be in   
addition to the fund’s fees. Registrant’s clients are under absolutely no obligation to consider or   
make an investment in any private investment fund(s).  
Please Note: Private investment funds generally involve various risk factors, including, but not   
limited to, potential for complete loss of principal, liquidity constraints and lack of   
transparency, a complete discussion of which is set forth in each fund’s offering documents, which   
will be provided to each client for review and consideration.  Unlike liquid investments that a   
client may own, private investment funds do not provide daily liquidity or pricing. Each   
prospective client investor will be required to complete a Subscription Agreement, pursuant to   
which the client shall establish that the client is qualified for investment in the fund and   
acknowledges and accepts the various risk factors that are associated with such an investment.

Please Also Note: Valuation. In the event that Registrant references private investment funds owned   
by the client on any supplemental account reports prepared by Registrant, the value(s) for all   
private investment funds owned by the client shall reflect the most recent valuation provided by   
the fund sponsor. However, if subsequent to purchase, the fund has not provided an updated   
valuation, the valuation shall reflect the initial purchase price. If subsequent to purchase, the   
fund provides an updated valuation, then the statement will reflect that updated value. The updated   
value will continue to be reflected on the report  
until the fund provides a further updated value. Please Also Note: As result of the valuation   
process, if the valuation reflects initial purchase price or an updated value subsequent to   
purchase price, the current value(s) of an investor’s fund holding(s) could be significantly more   
or less than the value reflected on the report. Unless otherwise indicated, Registrant shall   
calculate its fee based upon the latest value provided by the fund sponsor.

Conflict of Interest: To assist with identifying funds for the client’s review and consideration,   
the Registrant shall use the private fund due diligence and platform services provided by Opto   
Investments (“Opto”).  Registrant’s minority shareholder, Merchant Wealth Partners, LLC   
(“Merchant”), maintains a minority ownership interest in Opto, thereby creating a potential   
conflict of interest (i.e., Opto will derive compensation from private funds that are available on   
its platform).  ANY QUESTIONS: Registrant’s Chief Compliance Officer, Brett Stanton, remains   
available to address any questions regarding Opto and the above referenced conflict of interest.

Cash Positions. Registrant continues to treat cash as an asset class. As such, unless determined to   
the contrary by Registrant, all cash positions (money markets, etc.) shall continue to be included   
as part of assets under management for purposes of calculating Registrant’s advisory fee. At any   
specific point in time, depending upon perceived or anticipated market conditions/events (there   
being no guarantee that such anticipated market conditions/events will occur), Registrant may   
maintain cash positions for defensive purposes. In addition, while assets are maintained in cash,   
such amounts could miss market advances. Depending upon current yields, at any point in time,   
Registrant’s advisory fee could exceed the interest paid by the client’s money market fund. ANY   
QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address   
any questions that a client or prospective may have regarding the above fee billing practice.

Borrowing Against Assets/Risk. A client who has need to borrow money could determine to do so by   
using:  
• Margin – The account custodian or broker-dealer lends money to the client. The custodian charges   
the client interest for the right to borrow money, and uses the assets in the client’s brokerage   
account as collateral; and  
• Pledged Assets Loan – In consideration for a lender (i.e., a bank, etc.) to make a loan to the   
client, the client pledges its investment assets held at the account custodian as collateral;  
These above-described collateralized loans are generally utilized because they typically provide   
more favorable interest rates than standard commercial loans.  These types of collateralized loans   
can assist with a pending home purchase, permit the retirement of more expensive debt, or enable   
borrowing in lieu of liquidating existing account positions and incurring capital gains taxes.   
However, such loans are not without potential material risk to the client’s investment assets. The   
lender (i.e., custodian, bank, etc.) will have recourse against the client’s investment assets in   
the event of loan default or if the assets fall below a certain level. For this reason, Fusion does   
not recommend such borrowing unless it is for specific short-term purposes (i.e., a bridge loan to   
purchase a new residence). Fusion does not recommend such borrowing for investment purposes (i.e.,   
to invest borrowed funds in the market). Regardless, if the client was to determine to utilize   
margin or a pledged assets loan, the following economic benefits would inure to Fusion:

• By taking the loan rather than liquidating assets in the client’s account,  
Fusion continues to earn a fee on such Account assets; and,  
• If the client invests any portion of the loan proceeds in an account to be managed by Fusion,   
Fusion will receive an advisory fee on the invested amount; and,  
• If Fusion’s advisory fee is based upon the higher margined account value, Fusion will earn a   
correspondingly higher advisory fee. This could provide Fusion with a disincentive to encourage the   
client to discontinue the use of margin.  
Please Note:  The client must accept the above risks and potential corresponding consequences   
associated with the use of margin or a pledged assets loan.

C. The Registrant provides investment advisory services specific to the needs of each client.   
Before providing investment advisory services, an investment adviser representative will ascertain   
each client’s investment objectives. Thereafter, the Registrant shall allocate and/or recommend   
that the client allocate investment assets consistent with the designated investment objective(s).   
The client may, at any time, impose reasonable restrictions, in writing, on the Registrant’s   
services.

D. The Registrant does not participate in a wrap fee program.

E. As of December 31, 2025, the Registrant had $1,441,403,309 in Client assets,  
$1,425,894,758 of which are managed on a discretionary basis and $15,508,551 on a non-discretionary   
basis.  Clients may request more current information at any time by contacting the Registrant.

Item 5    Fees and Compensation  
A. Registrant offers its services on a fee basis, meaning that clients pay an annual fee based upon   
assets under management and/or advisement as described below.  
INVESTMENT ADVISORY SERVICES  
If a client chooses to engage the Registrant to provide discretionary and/or non-discretionary   
investment advisory services on a negotiable fee basis, the Registrant’s annual investment advisory   
fee shall be generally based upon a percentage (%) of the market value of assets under management   
according to the following fee schedule:  
Market Value of Portfolio                Annual Fee*  
Under $3,000,000                    1.10%  
Over $3,000,000 but less than $10,000,000       0.95%  
Above $10,000,000                    0.80%  
Client accounts will be aggregated by household for billing purposes to achieve the lowest possible   
pricing. The annual investment advisory fee is billed on a quarterly basis, in advance (except for   
Participant Directed Retirement Plans, which are billed in arrears), based upon the market value of   
the assets on the last day of the previous quarter. If assets in excess of $10,000 are deposited   
into or withdrawn from an account after the inception of a billing period, the fee payable with   
respect to such assets is adjusted to reflect the interim change in portfolio value. For the initial period of an engagement, the fee is calculated   
on a pro rata basis.

*Where applicable, agreed upon non-managed assets held as part of your portfolio with Fusion Family   
Wealth will not be charged any Fusion fee. These non-managed assets will be assessed a reporting   
services fee of 0.02% (2 bps).

Independent Manager Fees. Without limiting the above, the annual investment management fee charged   
by Independent Manager(s) to the client can range from 0.17% to 0.53% of the assets allocated to   
the Independent Manager(s). Fees for equity managers are generally higher than those for fixed   
income managers. The applicable advisory fee charged by the Independent Manager(s), any related   
platform fee, “SMA” fee, “UMA” fee, “TAMP” fee, or similarly named fee is separate from, and in   
addition to, the Registrant’s investment advisory fee as set forth above.  
Fee Dispersion. Registrant, in its discretion, may charge a lesser investment advisory fee, waive   
its asset minimum, charge a flat fee, waive its fee entirely, or charge a fee on a different   
interval, based upon certain criteria (i.e. anticipated future earning capacity, anticipated future   
additional assets, dollar amount of assets to be managed, related accounts, account composition,   
complexity of the engagement, anticipated services to be rendered, grandfathered fee schedules,   
employees and family members, courtesy accounts, competition, negotiations with client, etc.). As   
result of the above, similarly situated clients could pay different fees. In addition, similar   
advisory services may be available from other investment advisers for similar or lower fees.  
Fee Level Adjustment. Registrant’s annual fee generally decreases at the asset levels described   
above (over $3 million and over $10 million). Correspondingly, if the client’s managed assets fall   
below those agreed levels, Registrant’s annual fee will increase. If the asset level changes occur   
during any billing quarter, there will be no interim intra-quarter fee adjustments. Rather, the fee   
shall be adjusted as of the beginning of the following initial full billing quarter.  
Reporting Services Fee. Clients who choose to receive reporting services for investment assets that   
the client has not engaged the Registrant to manage (the “Excluded Assets”) will incur an   
additional annual reporting services fee of $80/Yodlee account for the Excluded Assets.  
ANY QUESTIONS: Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address   
any questions that a client or prospective client may have regarding advisory fees.

RETIREMENT ACCOUNTS  
For new clients that engage the Registrant’s services, effective March 1, 2021, assets maintained   
by the client in their employer sponsored retirement plan shall be included for purpose of   
Registrant calculating its quarterly fee per the fee schedule set forth at Item 5 above. However,   
if the client advises the Registrant, in writing, that it does not desire for the Registrant to   
provide advisory services for the client’s employer sponsored retirement plan, such assets shall   
not be included for Registrant’s fee billing purposes. At no time shall the Registrant maintain the   
client’s password for such retirement accounts, and it will be the client’s exclusive obligation to   
implement the Registrant’s recommendations.

FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)

To the extent specifically requested by a client, the Registrant may determine to provide financial   
planning and/or consulting services (including investment and non-investment related matters,   
including estate planning, insurance planning, etc.) on a stand-alone fee basis. Registrant’s   
planning and consulting fees are negotiable but are generally charged at a rate of $300 per hour,   
depending upon the level and scope of the service(s) required and the professional(s) rendering the   
service(s).

RETIREMENT PLAN CONSULTING SERVICES  
If a participant directed retirement plan sponsor client chooses to engage the Registrant to   
provide retirement plan consulting services, Registrant’s annual fee for these services ranges from   
20bps to 35bps based on the value of plan’s assets on the last day of the previous quarter payable   
quarterly, in arrears.

B. Clients may elect to have the Registrant’s investment advisory fees and retirement plan   
consulting fees deducted from their custodial account. Registrant’s Investment Advisory Agreement,   
Retirement Plan Services Agreement, and the applicable custodial/clearing agreement may authorize   
the custodian to debit the account for the amount of the Registrant’s investment advisory fee and   
to  directly remit that fee to the Registrant in compliance with regulatory procedures. In the   
limited event that the Registrant bills the client directly for those services, payment is due upon   
receipt of the Registrant’s invoice. The Registrant shall deduct investment advisory fees and   
retirement plan consulting fees  
C. As discussed below, unless the client directs otherwise or an individual client’s circumstances   
require, the Registrant shall generally recommend that Fidelity Institutional Wealth Services, an   
SEC-registered and FINRA member broker dealer (“Fidelity”), and/or Pershing Advisor Solutions, LLC   
an SEC-registered and FINRA member broker dealer serve as the broker-dealer/custodian for client   
investment advisory assets. Broker-dealers such as Fidelity and Pershing charge brokerage   
commissions, transaction, and/or other type fees for effecting certain types of securities   
transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and   
mark-downs charged for fixed income transactions, etc.). The types of securities for which   
transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall   
differ depending upon the broker-dealer/custodian (while certain custodians do not currently charge   
fees on individual equity transactions (including ETFs), others do). Currently, neither Fidelity   
nor Pershing charges transaction fees for individual equity transactions (including ETFs), with the   
exception that Fidelity will charge a transaction fee of $0.01 per share for equity transactions in   
excess of 10,000 shares. Pershing will also assess fees to clients who elect to receive account   
statements by regular mail rather than electronically. Pershing currently charges $2 per hard copy   
statement.  In addition to Registrant’s investment advisory fee, brokerage commissions and/or   
transaction fees, clients will also incur, relative to all mutual fund and exchange traded fund   
(“ETF”) purchases, charges imposed at the fund level (e.g. management fees and other fund   
expenses).  Clients (to the extent applicable to their account assets), can also incur deferred   
sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees and   
other fees and taxes on brokerage accounts and securities transactions, advisory fees imposed by   
Independent Manager(s) (including any related platform fee, “SMA” fee, “UMA” fee, “TAMP” fee, or   
similarly-named fee). Registrant does not receive any portion of these fees/charges. ANY QUESTIONS:   
The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address any   
questions regarding fees to be incurred by the client.

D. The Registrant’s annual investment advisory fee shall be prorated and paid quarterly in advance,   
based upon the market value of the assets on the last day of the previous quarter. The Registrant’s   
annual retirement plan consulting fee shall be prorated and paid quarterly in arrears, based upon   
the market value of the assets on the last day of the previous quarter. The applicable form of   
agreement between the Registrant and the client will continue in effect until terminated by either   
party in conformity with the terms of such agreement. Upon termination of such agreement, the   
Registrant shall, based upon the type of account:  
(1) retirement plans bill the client or debit the account for the pro-rated portion of the unpaid   
advisory fee based upon the number of days those services were provided during the billing quarter;   
or, (2) all other types of accounts refund the pro-rated portion of the advanced advisory fee paid   
based upon the number of days remaining in the billing quarter, as applicable. ANY QUESTIONS: The   
Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address any questions   
regarding fees to be incurred by the client.  
E. Neither the Registrant, nor its representatives accept compensation from the sale of securities   
or other investment products.

Item 6    Performance-Based Fees and Side-by-Side Management  
Neither the Registrant nor any supervised person of the Registrant accepts performance-based fees.

Item 7    Types of Clients  
The Registrant’s clients generally include individuals, high net worth individuals, related trusts   
and estates, pension, and profit-sharing plans. The Registrant generally requires a $5 million   
aggregate asset minimum for investment advisory services. The Registrant, in its sole discretion,   
may reduce its minimum asset preference based upon certain criteria (i.e., anticipated future   
earning capacity, anticipated future additional assets, dollar amount of assets to be managed,   
related accounts, account composition, negotiations with client, etc.). Please also refer to Item 5   
above with respect to “Fee Dispersion.”

Item 8    Methods of Analysis, Investment Strategies and Risk of Loss  
A. The Registrant may utilize the following methods of security analysis:  
•  Fundamental - (analysis performed on historical and present data, with the goal of making   
financial forecasts);  
•  Technical – (analysis performed on historical and present data, focusing on price and trade   
volume, to forecast the direction of prices); and/or  
•  Cyclical – (analysis performed on historical relationships between price and market trends, to   
forecast the direction of prices).  
The Registrant may utilize the following investment strategies when implementing investment advice   
given to clients:  
•  Long Term Purchases (securities held at least a year);  
•  Short Term Purchases (securities sold within a year); and/or  
•  Margin Transactions (use of borrowed assets to purchase financial instruments) 14

Investment Risk. Past performance does not guarantee future results. Investing in securities   
involves risk of loss that clients should be prepared to bear, including the complete loss of   
principal investment. Different types of investments involve varying degrees of risk, and it should   
not be assumed that future performance of any specific investment or investment strategy (including   
the investments and/or investment strategies recommended or undertaken by the Registrant) will be   
profitable or equal any specific performance level(s). While markets may increase and client   
account values could benefit as a result, it is also possible that markets may decrease, and such   
account values could suffer a loss. It is therefore important that clients understand investment   
risks, diversification strategies, and ask Registrant any questions they may have before making any   
investment decisions.

B. The Registrant’s methods of analysis and investment strategies do not present any significant or   
unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate   
market analysis the Registrant must have access to current/new market information. The Registrant   
has no control over the dissemination rate of market information; therefore, unbeknownst to the   
Registrant, certain analyses may be compiled with outdated market information, severely limiting   
the value of the Registrant’s analysis. Furthermore, an accurate market analysis can only produce a   
forecast of the direction of market values. There can be no assurances that a forecasted change in   
market value will materialize into actionable and/or profitable investment opportunities.

The Registrant’s primary investment strategies (Long-Term Purchases and Short-Term Purchases) are   
fundamental investment strategies. However, every investment strategy has its own inherent risks   
and limitations. For example, longer term investment strategies require a longer investment time   
period to allow for the strategy to potentially develop. Shorter term investment strategies require   
a shorter investment time period to potentially develop but, as a result of more frequent trading,   
may incur higher transactional costs when compared to a longer-term investment strategy.

C. Registrant recommends asset allocations based on a particular client’s: economic situation,   
liquidity needs, risk tolerance, proposed investment period, need for diversification, reliance   
upon current income, present and anticipated tax situation. Registrant also considers historical   
yields, potential appreciation, and marketability before making investment recommendations.   
Registrant primarily allocates or recommends that clients allocate investment assets among mutual   
funds, ETFs, and Independent Managers in accordance with the clients’ designated investment   
objectives. To a lesser extent, when consistent with investment objectives, Registrant may also   
allocate or recommend that clients allocate investment assets among individual equities (stocks)   
and individual bonds. In certain limited circumstances, when consistent with a client’s investment   
objectives, the Registrant may also recommend the use of margin transactions.

Each type of investment has its own unique set of risks associated with it. The following provides   
a short description of some of the underlying risks associated with the types of investments that   
Registrant uses or recommends:  
Market Risk. The price of a security may drop in reaction to tangible and intangible events and   
conditions. This type of risk may be caused by external factors (such as economic or political   
factors) but may also be incurred because of a security’s specific underlying investments.   
Additionally, each security’s price can fluctuate based on market movement,  
which may or may not be due to the security’s operations or changes in its true value. For example,   
political, economic, and social conditions may trigger market events which are temporarily   
negative, or temporarily positive.

Unsystematic Risk. Unsystematic risk is the company-specific or industry-specific risk in a   
portfolio that the investor bears. Unsystematic risk is typically addressed through   
diversification. However, as indicated above, diversification does not guarantee better performance   
and cannot eliminate the risk of investment losses.

Value Investment Risk. Value stocks may perform differently from the market as a whole and   
following a value-oriented investment strategy may cause a portfolio to underperform growth stocks.  
Growth Investment Risk. Prices of growth stocks tend to be higher in relation to their companies’   
earnings and may be more sensitive to market, political and economic developments than other   
stocks, making their prices more volatile.

Small Company Risk. Securities of small companies are often less liquid than those of large   
companies and this could make it difficult to sell a small company security at a desired time or   
price. As a result, small company stocks may fluctuate relatively more in price. In general, small   
capitalization companies are more vulnerable than larger companies to adverse business or economic   
developments and they may have more limited resources.  
Commodity Risk. The value of commodity-linked derivative instruments may be affected by changes in   
overall market movements, commodity index volatility, changes in interest rates, or factors   
affecting a particular industry or commodity, such as drought, floods, weather, livestock disease,   
embargoes, tariffs, and international economic, political, and regulatory developments.

Foreign Securities and Currencies Risk. Foreign securities prices may decline or fluctuate because   
of: (i) economic or political actions of foreign governments, and/or (ii) less regulated or liquid   
securities markets.  Investors holding these securities are also exposed to foreign currency risk   
(the possibility that foreign currency will fluctuate in value against the U.S. dollar).  
Interest Rate Risk. Fixed income securities and fixed income-based securities are subject to   
interest rate risk because the prices of fixed income securities tend to move in the opposite   
direction of interest rates. When interest rates rise, fixed income security prices tend to fall.   
When interest rates fall, fixed income security prices tend to rise. In general, fixed income   
securities with longer maturities are more sensitive to these price changes.

Inflation Risk. When any type of inflation is present, a dollar at present value will not carry the   
same purchasing power as a dollar in the future, because that purchasing power erodes at the rate   
of inflation.  
Reinvestment Risk. Future proceeds from investments may have to be reinvested at a potentially   
lower rate of return (i.e., interest rate), which primarily relates to fixed income securities.

Credit Risk. The issuer of a security may be unable to make interest payments and/or repay   
principal when due. A downgrade to an issuer’s credit rating or a perceived change  
in an issuer’s financial strength may affect a security’s value and impact performance. Credit risk   
is considered greater for fixed income securities with ratings below investment grade. Fixed income   
securities that are below investment grade involve higher credit risk and are considered   
speculative.

Call Risk. During periods of falling interest rates, a bond issuer will call or repay a   
higher-yielding bond before its maturity date, forcing the investment to reinvest in bonds with   
lower interest rates than the original obligations.

Regulatory Risk. Changes in laws and regulations from any government can change the market value of   
companies subject to such regulations. Certain industries are more susceptible to government   
regulation. For example, changes in zoning, tax structure or laws may impact the return on   
investments.

Mutual Fund Risk. Mutual funds are operated by investment companies that raise money from   
shareholders and invest it in stocks, bonds, and/or other types of securities. Each fund will have   
a manager that trades the fund’s investments in accordance with the fund’s investment objective.   
Mutual funds charge a separate management fee for their services, so the returns on mutual funds   
are reduced by the costs to manage the funds. While mutual funds generally provide diversification,   
risks can be significantly increased if the fund is concentrated in a particular sector of the   
market. Mutual funds come in many varieties. Some invest aggressively for capital appreciation,   
while others are conservative and are designed to generate income for shareholders. In addition,   
the client’s overall portfolio may be affected by losses of an underlying fund and the level of   
risk arising from the investment practices of an underlying fund (such as the use of derivatives).

Exchange Traded Fund Risk. ETFs are marketable securities that are designed to track, before fees   
and expenses, the performance or returns of a relevant index, commodity, bonds or basket of assets,   
like an index fund. Unlike mutual funds, ETFs trade like common stock on a stock exchange. ETFs   
experience price changes throughout the day as they are bought and sold. In addition to the general   
risks of investing, there are specific risks to consider with respect to an investment in ETFs,   
including, but not limited to: (i) an ETF’s shares may trade at a market price that is above or   
below its net asset value; (ii) the ETF may employ an investment strategy that utilizes high   
leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s   
officials deem such action appropriate, the shares are de-listed from the exchange, or the   
activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices)   
halts stock trading generally.  
Margin Transactions. A margin transaction strategy, in which an investor uses borrowed assets to   
purchase financial instruments, involves a high level of inherent risk. The investor generally   
obtains the borrowed assets by using other securities as collateral for the borrowed sum. The   
effect of purchasing a security using margin is to magnify any gains or losses sustained by the   
purchase of the financial instruments on margin. Please Note: To the extent that a client   
authorizes the use of margin, and margin is thereafter employed by the Registrant in the management   
of the client’s investment portfolio, the market value of the client’s account and corresponding   
fee payable by the client to the Registrant may be increased. As a result, in addition to   
understanding and assuming the additional principal risks associated with the use of margin,   
clients authorizing margin are advised of the potential conflict of interest whereby the client’s   
decision to employ margin may correspondingly increase the management fee payable to the   
Registrant. Accordingly, the decision as to whether to employ margin is left totally to the   
discretion of client.

Item 9    Disciplinary Information  
The Registrant has not been the subject of a disciplinary action.

Item 10    Other Financial Industry Activities and Affiliations  
A. Neither the Registrant, nor its representatives, are registered or have an application pending   
to register, as a broker-dealer or a registered representative of a broker-dealer.  
B. Neither the Registrant, nor its representatives, are registered or have an application pending   
to register, as a futures commission merchant, commodity pool operator, a commodity trading   
advisor, or a representative of the foregoing.

C.  As indicated above relative to Independent Manager(s), the Registrant recommends or selects   
other investment advisors (i.e., Independent Manager(s)) for its clients for which the Registrant   
earns an advisory fee.

Item 11    Code of Ethics, Participation or Interest in Client Transactions and Personal Trading  
A.  The Registrant maintains an investment policy relative to personal securities transactions.   
This investment policy is part of Registrant’s overall Code of Ethics, which serves to establish a   
standard of business conduct for all of Registrant’s Representatives that is based upon fundamental   
principles of openness, integrity, honesty and trust, a copy of which is available upon request.

In accordance with Section 204A of the Investment Advisers Act of 1940 and similar state law, the   
Registrant also maintains and enforces written policies reasonably designed to prevent the misuse   
of material non-public information by the Registrant or any person associated with the Registrant.  
B. Neither the Registrant nor any related person of Registrant recommends, buys, or sells for   
client accounts, securities in which the Registrant or any related person of Registrant has a   
material financial interest.  
C. The Registrant and/or representatives of the Registrant may buy or sell securities that are also   
recommended to clients. This practice may create a situation where the Registrant and/or   
representatives of the Registrant are in a position to materially benefit from the sale or purchase   
of those securities. Therefore, this situation creates a potential conflict of interest. Practices   
such as “scalping” (i.e., a practice whereby the owner of shares of a security recommends that   
security for investment and then immediately sells it at a profit upon the rise in the market price   
which follows the recommendation) could take place if the Registrant did not have adequate policies   
in place to detect such activities. In addition, this requirement can help detect insider trading,   
“front-running” (i.e., personal trades executed before those of the Registrant’s clients) and other   
potentially abusive practices.

The Registrant has a personal securities transaction policy in place to monitor the personal   
securities transactions and securities holdings of each of the Registrant’s “Access Persons.” The   
Registrant’s securities transaction policy requires that Access Person of the Registrant must   
provide the Chief Compliance Officer or his/her designee with a written report of their current   
securities holdings within ten (10) days after becoming an Access Person.  
Furthermore, Access Persons must provide the Chief Compliance Officer with a quarterly transaction   
report, detail all trades in the Access Person’s account during the previous quarter; and on an   
annual basis, each Access Person must provide the Chief Compliance Officer with a written report of   
the Access Person’s current securities holdings. However, at any time that the Registrant has only   
one Access Person, he or she shall not be required to submit any securities report described above.  
D. The Registrant and/or representatives of the Registrant may buy or sell securities, at or around   
the same time as those securities are recommended to clients. This practice creates a situation   
where the Registrant and/or representatives of the Registrant are in a position to materially   
benefit from the sale or purchase of those securities. Therefore, this situation creates a   
potential conflict of interest. As indicated above in Item 11.C. the Registrant has a personal   
securities transaction policy in place to monitor the personal securities transaction and   
securities holdings of each of Registrant’s Access Persons.

Item 12   Brokerage Practices  
A. In the event that the client requests that the Registrant recommend a broker-dealer/custodian   
for execution and/or custodial services (exclusive of those clients that may direct the Registrant   
to use a specific broker-dealer/custodian), Registrant generally recommends that investment   
advisory accounts be maintained at Fidelity and/or Pershing. Clients are not obligated to use the   
recommended custodian and will not incur any extra fee or cost from the Registrant associated with   
using a custodian not recommended by the Registrant. Depending on which custodian the client   
selects to maintain their accounts, clients may experience differences in customer service,   
transaction timing, the availability of sweep account vehicles and money market funds and other   
aspects of investing. In certain instances, some of these differences could cause differences in   
account performance. Before engaging Registrant to provide investment advisory services, the client   
will be required to enter into a formal Investment Advisory Agreement with Registrant setting forth   
the terms and conditions under which Registrant shall manage the client’s assets, and a separate   
custodial/clearing agreement with each designated broker-dealer/ custodian.  
Factors that the Registrant considers in recommending Fidelity and/or Pershing (or any other   
broker-dealer/custodian) to clients include historical relationship with the Registrant, financial   
strength, reputation, execution capabilities, pricing, research, and service. Although the   
commissions and/or transaction fees paid by Registrant’s clients shall comply with the Registrant’s   
duty to obtain best execution, a client may pay a commission that is higher than another qualified   
broker-dealer might charge to affect the same transaction where the Registrant determines, in good   
faith, that the commission/transaction fee is reasonable. In seeking best execution, the   
determinative factor is not the lowest possible cost, but whether the transaction represents the   
best qualitative execution, taking into consideration the full range of broker-dealer services,   
including the value of research provided, execution capability, commission rates, and   
responsiveness. Accordingly, although Registrant will seek competitive rates, it may not   
necessarily obtain the lowest possible commission rates for client account transactions. The   
brokerage commissions or transaction fees charged by the designated broker-dealer/custodian are   
exclusive of, and in addition to, Registrant’s investment advisory fee. The Registrant’s best price   
execution responsibility is qualified if securities that it purchases for client accounts are   
mutual funds that trade at net asset value as determined at the daily market close.  
1. Non-Soft Dollar Research and Additional Benefits  
Although not a material consideration when determining whether to recommend that a client utilize   
the services of a particular broker-dealer/custodian, Registrant can receive from Fidelity and/or   
Pershing (or other broker-dealer/custodians, unaffiliated investment managers, Independent   
Manager(s), investment platforms, vendors, and/or product/fund sponsors) without cost (and/or at a   
discount) support services and/or products, certain of which assist the Registrant to better   
monitor and service client accounts maintained at such institutions. Included within the support   
services that can be obtained by the Registrant may be investment-related research, pricing   
information and market data, software and other technology that provide access to client account   
data, compliance and/or practice management-related publications, discounted or gratis consulting   
services, discounted and/or gratis travel expenses/attendance at conferences, meetings, and other   
educational and/or social events, marketing support (including a financial contribution toward the   
cost of the Firm’s annual golf tournament), computer hardware and/or software and/or other products   
used by Registrant in furtherance of its investment advisory business operations.

Certain of the support services and/or products that may be received may assist the Registrant in   
managing and administering client accounts. Others do not directly provide such assistance, but   
rather assist the Registrant to manage and further develop its business enterprise.

Registrant’s clients do not pay more for investment transactions effected and/or assets maintained   
at a broker-dealer/custodian as a result of this arrangement. There is no corresponding commitment   
made by the Registrant to any broker-dealers/custodians or any other entity to invest any specific   
amount or percentage of client assets in any specific mutual funds, securities or other investment   
products as a result of the above arrangements. ANY QUESTIONS: The Registrant’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions that a client or prospective   
client may have regarding the above arrangements and the corresponding conflicts of interest   
presented by such arrangements.

2. The Registrant does not receive referrals from broker-dealers.  
3. Directed Brokerage.  
The Registrant does not generally accept directed brokerage arrangements (when a client requires   
that account transactions be affected through a specific broker-dealer). In such client directed   
arrangements, the client will negotiate terms and arrangements for their account with that   
broker-dealer, and Registrant will not seek better execution services or prices from other   
broker-dealers or be able to “batch” the client’s transactions for execution through other   
broker-dealers with orders for other accounts managed by Registrant. As a result, the client may   
pay higher commissions or other transaction costs or greater spreads, or receive less favorable net   
prices, on transactions for the account than would otherwise be the case.

Please Note: In the event that the client directs Registrant to effect securities transactions for   
the client’s accounts through a specific broker-dealer, the client correspondingly acknowledges   
that such direction may cause the accounts to incur higher commissions or transaction costs than   
the accounts would otherwise incur had the client determined to effect account transactions through   
alternative clearing arrangements that may be available through Registrant. Higher transaction   
cost

Compliance Officer, Brett Stanton, remains available to address any questions that a client or   
prospective client may have regarding the above arrangement.

B. Transactions for each client account generally will be affected independently, unless the   
Registrant decides to purchase or sell the same securities for several clients at approximately the   
same time. The Registrant may (but is not obligated to) combine or “bunch” such orders to obtain   
best execution, to negotiate more favorable commission rates or to allocate equitably among the   
Registrant’s clients differences in prices and commissions or other transaction costs that might   
have been obtained had such orders been placed independently. Under this procedure, transactions   
will be averaged as to price and will be allocated among clients in proportion to the purchase and   
sale orders placed for each client account on any given day. The Registrant shall not receive any   
additional compensation or remuneration as a result of such aggregation.

Item 13   Review of Accounts  
A. For those clients to whom Registrant provides investment supervisory services, account reviews   
are conducted on an ongoing basis by the Registrant’s investment adviser representatives and/or   
Chief Compliance Officer. All investment supervisory clients are advised that it remains their   
responsibility to advise the Registrant of any changes in their investment objectives and/or   
financial situation. All clients (in person or via telephone) are encouraged to review financial   
planning issues (to the extent applicable), investment objectives and account performance with the   
Registrant on an annual basis.  
B. The Registrant may conduct account reviews on an other-than periodic basis upon the occurrence   
of a triggering event, such as a change in client investment objectives and/or financial situation,   
market corrections and client request.

C. Clients are provided, at least quarterly, with written transaction confirmation notices and   
regular written summary account statements directly from the broker-dealer/custodian and/or program   
sponsor for the client accounts. The Registrant may also provide a written periodic report   
summarizing account activity and performance.

Item 14   Client Referrals and Other Compensation  
A. As referenced in Item 12.A.1 above, the Registrant can receive economic benefits from Fidelity   
and/or Pershing (or other broker-dealer/custodians, unaffiliated investment managers, Independent   
Manager(s), investment platforms, and/or mutual fund sponsors), such as support services and/or   
products without cost or at a discount. Registrant’s clients do not pay more for investment   
transactions effected and/or assets maintained at a broker-dealer/custodian as a result of this   
arrangement. There is no corresponding commitment made by the Registrant to a   
broker-dealer/custodian or any other entity to invest any specific amount or percentage of client   
assets in any specific mutual funds, securities or other investment products as a result of the   
above arrangements. ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton,   
remains available to address any questions that a client or prospective client may have regarding   
the above arrangements and the corresponding conflicts of interest presented by such arrangements.

B. The Registrant engages promoters to introduce new prospective clients to the Registrant   
consistent with the Investment Advisers Act of 1940, its corresponding. Rules, and applicable state   
regulatory requirements. If the prospect subsequently engages the Registrant, the promoter shall   
generally be compensated by the Registrant for the introduction. Because the promoter has an   
economic incentive to introduce the prospect to the Registrant, a conflict of interest is   
presented. The promoter’s introduction shall not result in the prospect’s payment of a higher   
investment advisory fee to the Registrant (i.e., if the prospect was to engage the Registrant   
independent of the promoter’s introduction).

C. In the event that a client advises Fusion Family that it requires the services of an   
unaffiliated professional (i.e., attorney, CPA, insurance agent, etc.), and the client   
correspondingly requests an introduction from Fusion Family, Fusion Family may make an introduction   
to a professional who is also a Fusion Family client and/or referral source. Unless otherwise   
expressly indicated, in writing, neither Fusion Family, nor any Fusion Family employee, shall   
receive any compensation from the professional for the introduction. Nevertheless, because the   
recommended professional is also a Fusion Family client, a conflict of interest arises because by   
making the introduction, Fusion Family is assisting an individual or entity from whom it derives   
(and anticipates in the future will derive) compensation as a Fusion Family client. In addition,   
Fusion Family currently (and anticipates continuing to do so in the future) provides advisory   
services to referral sources on a discounted basis. In the event that Fusion Family introduces a   
client to an unaffiliated professional who is also a Fusion Family client, Fusion Family will   
disclose the conflict to the client. No client is under any obligation to utilize the services of   
any such recommend professional.

Item 15   Custody  
The Registrant shall have the ability to have its advisory fee for each client debited by the   
custodian on a quarterly basis. Clients are provided, at least quarterly, with written transaction   
confirmation notices and regular written summary account statements directly from the   
broker-dealer/custodian and/or program sponsor for the client accounts. The Registrant may also   
provide a written periodic report summarizing account activity and performance.

Please Note: To the extent that the Registrant provides clients with periodic account statements or   
reports, the client is urged to compare any statement or report provided by the Registrant with the   
account statements received from the account custodian.  The account custodian does not verify the   
accuracy of the Registrant’s advisory fee calculation.

Certain clients have established asset transfer authorizations that permit the qualified custodian   
to rely upon instructions from Fusion to transfer client funds or securities to third parties.   
These arrangements are disclosed at Item 9 of Part 1 of Form ADV. However, in accordance with the   
guidance provided in the SEC’s February 21, 2017, Investment Adviser Association No-Action Letter,   
the affected accounts are not subject to an annual surprise CPA examination. In addition, in   
limited circumstances, Registrant engages in certain custody-related services and/or practices   
(i.e., trustee service), that are disclosed at Item 9 of Part 1 of Form ADV. These services and   
practices are subject to an annual surprise CPA examination. ANY QUESTIONS: Fusion’s Chief   
Compliance Officer, Brett Stanton, remains available to address any questions that a client or   
prospective client may have regarding custody-related issues.

Item 16   Investment Discretion  
The client can determine to engage the Registrant to provide investment advisory services on a   
discretionary or non-discretionary basis. Before the Registrant assumes discretionary authority   
over a client’s account, client shall be required to execute an Investment Advisory Agreement,   
naming the Registrant as client’s attorney and agent in fact, granting the Registrant full   
authority to buy, sell, or otherwise effect investment transactions involving the assets in the   
client’s name found in the discretionary account.

Clients who engage the Registrant on a discretionary basis may, at any time, impose restrictions,   
in writing, on the Registrant’s discretionary authority (i.e., limit the types/amounts of   
particular securities purchased for their account, exclude the ability to purchase securities with   
an inverse relationship to the market, limit or proscribe the Registrant’s use of margin, etc.).

Item 17   Voting Client Securities  
A. The Registrant does not vote client proxies. Clients maintain exclusive responsibility for:  
(1) directing the manner in which proxies solicited by issuers of securities owned by the client   
shall be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers,   
bankruptcy proceedings or other type events pertaining to the client’s investment assets.  
Registrant will introduce a third-party service provider, Chicago Clearing Corp. (CCC), to assist   
the client with participation in securities class action lawsuits pertaining to the assets under   
Registrant’s management. Registrant would then provide trade data and other necessary information   
to the third-party service provider, which would research class action cases and complete and   
calculate the applicable proof of claim. The third-party service provider would then file the   
applicable proof of claim with the claims administrator, verify payment received from the claims   
administrator and distribute the payment to the client minus a fifteen percent (15%) contingency   
fee of securities class action settlements collected. Otherwise, if clients choose not to engage in   
the class action monitoring, filing, and recovery services provided by the third-party service   
provider, clients will be exclusively responsible for voting in all legal proceedings or other type   
events pertaining to the assets under Registrant’s management including, but not limited to, class   
action lawsuits.

Fair Fund Process. In the event that the third-party service provider is required to process a Fair   
Fund payment (i.e., a fund established by the SEC to distribute money to defrauded investors), the   
third-party service provider shall deposit the gross settlement into the client’s account. However,   
CCC, unlike its does for class action settlements, the third-party service provider will not deduct   
its percentage fee from the client‘s gross settlement. Rather, the third-party service provider   
shall accrue its Fair Fund fee and deduct it from the client’s subsequent class action   
settlement(s).

B. Clients will receive their proxies or other solicitations directly from their custodian. Clients   
may contact the Registrant to discuss any questions they may have with a particular solicitation.  
Item 18   Financial Information  
A. The Registrant does not solicit fees of more than $1,200, per client, six months or more in   
advance.

B. The Registrant is unaware of any financial condition that is reasonably likely to impair its   
ability to meet its contractual commitments relating to its discretionary authority over certain   
client accounts.  
C. The Registrant has not been the subject of a bankruptcy petition.  
ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions that a client or prospective client may have regarding the  
above disclosures and arrangements.  
FUSION FAMILY WEALTH, LLC  
SEC File # 801-78339  
ADV Part 2A, Brochure  
Dated: March 2, 2026  
Contact: Brett Stanton, Chief Compliance Officer  
88 Froehlich Farm Boulevard, Suite 401, Woodbury, New York 11797 B.Stanton@FusionFamilyWealth.com  
(516) 206-1320  
www.FusionFamilyWealth.com

This Brochure provides information about the qualifications and business practices of Fusion Family   
Wealth, LLC (the “Registrant”). If you have any questions about the contents of this Brochure,   
please contact us at BStanton@FusionFamilyWealth.com or (516) 206-1320. The information in this   
Brochure has not been approved or verified by the United States Securities and Exchange Commission   
or by any state securities authority.

Additional information about Fusion Family Wealth, LLC also is available on the SEC’s website at   
www.adviserinfo.sec.gov.  
References herein to Fusion Family Wealth, LLC as a “registered investment adviser” or any  
reference to being “registered” does not imply a certain level of skill or training.

Item 2    Material Changes  
There have been no material changes made to this Disclosure Brochure since the last annual   
amendment filing on February 14ᵗʰ, 2025.

ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions regarding this Form ADV Part 2A, including the disclosure additions and   
enhancements below.

Item 3    Table of Contents  
Item 1  Cover   
Page................................................................................................  
.................................... 1  
Item 2  Material Changes   
....................................................................................................  
...................... 2  
Item 3  Table of   
Contents............................................................................................  
.............................. 2  
Item 4  Advisory Business   
....................................................................................................  
.................... 3  
Item 5  Fees and Compensation   
....................................................................................................  
.......... 11  
Item 6  Performance-Based Fees and Side-by-Side Management   
.......................................................... 14  
Item 7  Types of   
Clients.............................................................................................  
............................. 14  
Item 8  Methods of Analysis, Investment Strategies and Risk of   
Loss................................................... 14  
Item 9  Disciplinary Information   
....................................................................................................  
........ 18  
Item 10 Other Financial Industry Activities and Affiliations   
.................................................................. 18  
Item 11  Code of Ethics, Participation or Interest in Client Transactions and Personal   
Trading.............. 18  
Item 12 Brokerage Practices   
....................................................................................................  
................ 19  
Item 13 Review of   
Accounts............................................................................................  
........................ 21  
Item 14 Client Referrals and Other Compensation   
.................................................................................. 21  
Item 15   
Custody.............................................................................................  
.......................................... 22  
Item 16 Investment   
Discretion..........................................................................................  
....................... 22  
Item 17 Voting Client   
Securities..........................................................................................  
.................... 23  
Item 18 Financial Information   
....................................................................................................  
............. 24

2

Item 4    Advisory Business  
A. Fusion Family Wealth, LLC (the “Registrant”) is a Delaware limited liability company, which has   
been registered as an Investment Adviser with the United States Securities and Exchange Commission   
on July 25, 2013. The Registrant is principally owned by Fusion Family Wealth Holdings, LLC. That   
entity is principally owned by FFW, Legacy, LLC, which is principally owned by Jonathan Blau, who   
also serves as the Registrant’s sole Member and Chief Executive Officer.

B. As discussed below, the Registrant offers investment advisory services and retirement plan   
consulting services to its clients (generally comprised of individuals, high net worth individuals,   
related trusts and estates, pension, and profit-sharing plans, etc.).

INVESTMENT ADVISORY SERVICES  
The client can engage the Registrant to provide discretionary or non-discretionary investment   
advisory services. The Registrant’s annual investment advisory fee is based upon a percentage (%)   
of the market value of the assets placed under the Registrant’s management. Before engaging the   
Registrant to provide investment advisory services, clients are required to enter into an   
Investment Advisory Agreement with Registrant setting forth the terms and conditions of the   
engagement (including termination), describing the scope of the services to be provided, and the   
fee that is due from the client. Registrant’s annual investment advisory fee shall include   
investment advisory services, and, to the extent specifically requested by the client and accepted   
by the Registrant, financial planning and consulting services. If Registrant determines in its sole   
discretion that the client requires extraordinary planning and/or consultation services, the   
Registrant may seek to charge for such additional services pursuant to a stand-alone Financial   
Planning Agreement as further described below.

Registrant provides investment advisory services specifically tailored to the needs of each client.   
Before providing investment advisory services, an investment adviser representative will ascertain   
each client’s investment objectives and develop an asset allocation based on a defined investment   
policy statement that focuses on client’s investment objectives, time horizon, and risk tolerance.   
Once client investment assets are allocated, the Registrant provides ongoing monitoring and review   
of account performance and asset allocation as compared to client-designated investment objectives   
and may execute or recommend execution of account transactions as a result of those reviews or   
based on other triggering events.  The advisor may retain certain types of investments from the   
Client’s legacy portfolio due to the fit with the overall portfolio strategy, tax-related reasons,   
or other reasons as identified between the Registrant and the Client.  
FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)  
To the extent specifically requested by a client, the Registrant may determine to provide financial   
planning and/or consulting services (including investment and non-investment related matters,   
including estate planning, insurance planning, etc.) on a stand-alone separate fee basis.   
Registrant’s planning and consulting fees are negotiable, depending upon the level and scope of the   
service(s) required and the professional(s) rendering the service(s). Before engaging the   
Registrant to provide planning or consulting services, clients are generally required to enter into   
a Financial Planning and Consulting Agreement with Registrant setting forth the terms and   
conditions of the engagement (including termination), describing the scope of the services to be   
provided, and the portion of the fee  
3

that is due from the client before Registrant commences services. If requested by the client,   
Registrant may recommend the services of other professionals for implementation purposes (i.e.,   
attorney, accountant, insurance agent, etc.), including professionals who serve as a promoter for   
the Registrant-see disclosure at Item 14 below. The client is under no obligation to engage the   
services of any such recommended professional. At all times, the engaged licensed professionals   
(i.e., attorney, accountant, insurance agent, etc.), and not Registrant, shall be responsible for   
the quality and competency of the services provided. The client retains absolute discretion over   
all such implementation decisions and is free to accept or reject any recommendation from the   
Registrant.  
ERISA PLAN and 401(k) INDIVIDUAL ENGAGEMENTS:

•  Trustee Directed Plans. Registrant may be engaged to provide discretionary investment advisory   
services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the   
investment objective designated by the Plan trustees. In such engagements, Registrant will serve as   
an investment fiduciary as that term is defined under The Employee Retirement Income Security Act   
of 1974 (“ERISA”). Registrant will generally provide services on an “assets under management” fee   
basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the   
Firm.

•  Participant Directed Retirement Plans. Registrant may also provide investment advisory and   
consulting services to participant directed retirement plans per the terms and conditions of a   
Retirement Plan Services Agreement between Registrant and the plan. For such engagements,   
Registrant shall assist the Plan sponsor with the selection of an investment platform from which   
Plan participants shall make their respective investment choices (which may include investment   
strategies devised and managed by Registrant), and, to the extent engaged to do so, may also   
provide corresponding education to assist the participants with their decision-making process.  
•  Client Retirement Plan Assets. If requested to do so, Registrant shall provide investment   
advisory services relative to the client’s 401(k) plan assets. In such event, Registrant shall   
recommend that the client allocate the retirement account assets among the investment options   
available on the 401(k) platform. The client is exclusively responsible for making all   
transactions. Registrant’s ability shall be limited to making recommendations regarding the   
allocation of the assets among the investment alternatives available through the plan. Registrant   
will not receive any communications from the plan sponsor or custodian, and it shall remain the   
client’s exclusive obligation to notify Registrant of any changes in investment alternatives,   
restrictions, etc. pertaining to the retirement account.  
MISCELLANEOUS  
Limitations of Non-Investment Consulting/Implementation Services. To the extent requested by a   
client, Registrant may provide financial planning and related consulting services regarding   
non-investment related matters, such as estate planning, tax planning, insurance, etc. The   
Registrant does not serve as a law firm, accounting firm, or insurance agency, and no portion of   
Registrant’s services should be construed as legal, accounting, or insurance implementation   
services. Accordingly, Registrant does not prepare estate planning documents, tax returns, or sell   
insurance products. To the extent requested by a client, Registrant may recommend the services of   
other professionals for certain non-investment implementation purposes (i.e., attorneys,   
accountants, insurance agents, etc.), which may include professionals who serve as a promoter for   
the Registrant-see disclosure at Item 14 below. Clients are reminded that they are under no   
obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation made by Registrant or its representatives. Please Note: If the client engages any recommended professional, and a dispute arises thereafter relative to such engagement, the client should seek recourse exclusively from and   
against the engaged professional. At all times, the engaged licensed professionals (i.e., attorney,   
accountant, insurance agent, etc.), and not Registrant, shall be responsible for the quality and   
competency of the services provided. Please Note:  Registrant will generally provide such planning   
and consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions could   
occur based upon assets under management, special projects, stand-alone planning engagements, etc.   
for which Firm may charge a separate or additional fee). Registrant believes that it is important   
for the client to address financial planning issues with the Registrant on an ongoing basis.   
Registrant’s fee, as set forth at Item 5 below, will remain the same regardless of whether or not   
the client determines to address planning issues with Registrant. Registrant remains available to   
address planning issues with the client on an ongoing basis.

Wealth Advisor Growth Network. Registrant’s indirect minority shareholder, Merchant Wealth   
Partners, LLC, maintains a minority ownership interest in Wealth Advisor Growth Network (“WAGN”), a   
company that offers consulting and support services to independent wealth management firms. Fusion   
has engaged a service provider (LibertyFi LLC, an advisory industry technology and administrative   
services support provider)  that compensates WAGN for introductions. Fusion’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions that such arrangements may   
create, including conflicts of interest.  
Investment Risk. Different types of investments involve varying degrees of risk, and it should not   
be assumed that future performance of any specific investment or investment strategy (including the   
investments and/or investment strategies recommended or undertaken by Registrant) will be   
profitable or equal any specific performance level(s).

Client Obligations. In performing its services, Registrant shall not be required to verify any   
information received from the client or from the client’s other professionals and is expressly   
authorized to rely thereon. Moreover, each client is advised that it remains their responsibility   
to promptly notify the Registrant if there is ever any change in their financial situation or   
investment objectives for the purpose of reviewing, evaluating, or revising Registrant’s previous   
recommendations and/or services.

Disclosure Brochure. A copy of this Brochure shall be provided to each client prior to, or   
contemporaneously with, the execution of the applicable form of client agreement.  
Non-Discretionary Service Limitations. Clients that determine to engage Registrant on a   
non-discretionary investment advisory basis must be willing to accept that Registrant cannot affect   
any account transactions without obtaining prior consent to such transaction(s) from the client.   
Thus, in the event that Registrant would like to make a transaction for a client’s account   
(including in the event of an individual holding or general market correction), and the client is   
unavailable, the Registrant will be unable to affect the account transaction(s) (as it would for   
its discretionary clients) without first obtaining the client’s consent. This could place affected   
accounts at a disadvantage.

Portfolio Activity. Registrant has a fiduciary duty to provide services consistent with the  
client’s best interest. As part of its investment advisory services, Registrant will review  
client portfolios on an ongoing basis to determine if any changes are necessary based upon various   
factors, including, but not limited to, investment performance, market conditions, fund manager   
tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment   
objective. Based upon these factors, there may be extended periods of time when Registrant   
determines that changes to a client’s portfolio are neither necessary, nor prudent. The advisory   
fees described in Item 5 below remain due and payable during periods of account inactivity.  
Asset Aggregation / Reporting Services. Registrant may provide access to reporting services through   
one or more third-party aggregation / reporting platforms that can reflect all of the client’s   
investment assets, including those investment assets that the client has not engaged the Registrant   
to manage (the “Excluded Assets”). Registrant’s service for the Excluded Assets is strictly limited   
to reporting and specifically excludes investment management or implementation. Because Registrant   
does not have trading authority for the Excluded Assets, the client (and/or another investment   
professional), and not Registrant, will be exclusively responsible for directly implementing any   
recommendations for the Excluded Assets. Please refer to Item 5 below with respect to the   
additional reporting fee that clients may incur for the Excluded Assets. Further, the client and/or   
their other advisors that maintain trading authority, and not Registrant, shall be exclusively   
responsible for the investment performance or related activity (such as timing and trade errors)   
pertaining to the Excluded Assets. The third-party aggregation / reporting platforms may also   
provide access to financial planning information and applications, which should not be construed as   
services, advice, or recommendations provided by Registrant. Accordingly, Registrant shall not be   
held responsible for any adverse results a client may experience if the client engages in financial   
planning or other functions available on the third-party reporting platforms without Registrant’s   
participation or oversight.

Availability of Mutual Funds and Exchange Traded Funds. While the Registrant may allocate   
investment assets to mutual funds and exchange traded funds (“ETFs”) that are not available   
directly to the public, the Registrant may also allocate investment assets to publicly available   
mutual funds and ETFs that the client could purchase without engaging Registrant as an investment   
adviser. However, if a client or prospective client determines to purchase publicly available   
mutual funds or ETFs without engaging Registrant as an investment adviser, the client or   
prospective client would not receive the benefit of Registrant’s initial and ongoing investment   
advisory services with respect to management of the asset. In addition to Registrant’s investment   
advisory fee described below, and transaction and/or custodial fees discussed below, clients will   
also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the   
fund level (e.g., management fees and other fund expenses).  
Cybersecurity Risk. The information technology systems and networks that Registrant and its   
third-party service providers use to provide services to Registrant’s clients employ various   
controls that are designed to prevent cybersecurity incidents stemming from intentional or   
unintentional actions that could cause significant interruptions in Registrant’s operations and/or   
result in the unauthorized acquisition or use of clients’ confidential or non-public personal   
information. Clients and Registrant are nonetheless subject to the risk of cybersecurity incidents   
that could ultimately cause them to incur financial losses and/or other adverse consequences.   
Although Registrant has established processes to reduce the risk of cybersecurity incidents, there   
is no guarantee that these efforts will always be successful,  especially  considering  that    
Registrant  does  not  directly  control  the cybersecurity measures and policies employed by   
third-party service providers, issuers or  
securities, broker-dealers, qualified custodians, governmental and other regulatory authorities,   
exchanges and other financial market operators and providers.

Artificial Intelligence. The Registrant may use certain Artificial Intelligence (“AI”) tools in   
connection with its investment advisory services. The Registrant has adopted an AI Policy that   
governs the appropriate use of AI tools to ensure that the Registrant and its employees abide by   
their fiduciary duty and comply with all applicable regulations. AI tools are not used by the   
Registrant as a substitute for professional judgment by the Registrant or its employees, and all AI   
generated output is reviewed by the Registrant for accuracy. All investment decisions and   
recommendations are made and approved by the Registrant. The use of AI tools does not guarantee the   
accuracy of analyses or the success of any investment strategy. Clients should not assume that   
reliance on AI tools results in better performance or reduces risk. AI tools involve limitations   
and risks. These risks include, but are not limited to, data security concerns, potential   
inaccuracies, and possible algorithmic biases. To mitigate these risks, the Registrant has   
implemented controls such as pre-approval requirements for AI tools, restrictions on providing   
nonpublic personal information to public AI systems, vendor due diligence, review of AI-generated   
materials, and employee training on appropriate AI usage.

Retirement Plan Rollovers – No Obligation / Conflict of Interest.  A client or prospective client   
leaving an employer typically has four options regarding an existing retirement plan (and may   
engage in a combination of these options): (i) leave the money in the former employer’s plan, if   
permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers   
are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the   
account value (which could, depending upon the client’s age, result in adverse tax consequences).   
If Registrant recommends that a client roll over their retirement plan assets into an account to be   
managed by Registrant, such a recommendation creates a conflict of interest if Registrant will earn   
new (or increase its current) compensation as a result of the rollover. If Registrant provides a   
recommendation as to whether a client should engage in a rollover or not (whether it is from an   
employer’s plan or an existing IRA), Registrant is acting as a fiduciary within the meaning of   
Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as   
applicable, which are laws governing retirement accounts. No client is under any obligation to roll   
over retirement plan assets to an account managed by Registrant, whether it is from an employer’s   
plan or an existing IRA. Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions that a client or prospective client may have regarding the potential for   
conflict of interest presented by such rollover recommendation.  
Independent Managers. The Registrant may allocate (and/or recommend that the client allocate) a   
portion of a client’s investment assets among unaffiliated independent investment managers /   
separately managed account platforms (“Independent Manager(s)”) in accordance with the client’s   
designated investment objectives according to the terms and conditions of a separate agreement   
between the client and the Independent Manager(s). In such situations, the Independent Manager(s)   
shall have day-to-day responsibility for the active discretionary management of the allocated   
assets. The Registrant shall continue to render investment advisory services to the client relative   
to the ongoing monitoring and review of account performance, asset allocation and client investment   
objectives. The Registrant generally considers the following factors when considering its   
recommendation to allocate investment assets to Independent Manager(s): the client’s designated   
investment objectives, management style, performance, reputation, financial strength, reporting,   
pricing, and research. The annual investment management fee charged by the Independent Manager(s)   
can range from 0.17% to 0.53% of the assets allocated to the Independent  
Manager(s). Fees for equity managers are generally higher than those for fixed income managers. The   
applicable advisory fee charged by the Independent Manager(s), any related platform fee, “SMA” fee,   
“UMA” fee, “TAMP” fee, or similarly named fee is separate from, and in addition to, the   
Registrant’s investment advisory fee as set forth in Item 5. Certain Independent Manager(s) may   
impose more restrictive account requirements and varying billing practices than Registrant. In such   
instances, Registrant may alter its corresponding account requirements and/or billing practices to   
accommodate those of the Independent Manager(s). ANY QUESTIONS: The Registrant’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions regarding Independent   
Manager(s), and the additional fees to be incurred by the client as result of such engagements.

Please Note: Conflict of Interest: Registrant can allocate (or recommend that the client allocate)   
assets to Piton Management (“Piton”), an independent fixed income manager.  Registrant’s minority   
shareholder, Merchant Wealth Partners, LLC (“Merchant”), maintains a minority ownership interest in   
Piton, thereby creating a conflict of interest if/when the Registrant allocates (or recommends that   
the client allocate) a portion of their investment assets to Piton. Registrant does not factor   
Merchant’s ownership in Piton when allocating client assets to, or retaining assets with, Piton.   
Given the conflict of interest, the Registrant shall not allocate client assets to Piton on a   
discretionary basis. Rather, the Registrant shall recommend Piton to the client on a   
non-discretionary basis, and no portion of the client’s assets shall be allocated to Piton without   
the client’s prior consent. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Brett Stanton,   
remains available to address any questions regarding Piton and the above-mentioned conflict of   
interest.

Custodian Charges-Additional Fees. As discussed below at Items 5 and 12 below, when requested to   
recommend a broker-dealer/custodian for client accounts, Registrant generally recommends that   
Fidelity or Pershing serve as the broker-dealer/custodian for client investment management assets.   
Broker-dealers such as Fidelity and Pershing charge brokerage commissions, transaction, and/or   
other type fees for effecting certain types of securities transactions (i.e., including transaction   
fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions,   
etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as   
well as the amount of those fees, which also slightly differ for mutual fund and Independent   
Managers at Fidelity vs. Pershing) shall differ depending upon the broker-dealer/custodian (while   
certain custodians do not currently charge fees on individual equity transactions (including ETFs),   
others do). Currently, neither Fidelity nor Pershing charges transaction fees for individual equity   
transactions (including ETFs), with the exception that Fidelity will charge a transaction fee of   
$0.01 per share for equity transactions in excess of 10,000 shares. Pershing will also assess fees   
to clients who elect to receive account statements by regular mail rather than electronically.   
Pershing currently charges $2 per hard copy statement. Please Note: there can be no assurances that   
either Pershing or Fidelity will not change their transaction fee pricing in the future. These   
fees/charges are in addition to Registrant’s investment advisory fee at Item 5 below. Registrant   
does not receive any portion of these fees/charges. ANY QUESTIONS: Registrant’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions that a client or prospective   
client may have regarding the above.

Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account   
transactions or new deposits, be swept to and/or initially maintained in a specific custodian   
designated sweep account. The yield on the sweep account will generally be lower than those   
available for other money market accounts. When this  
occurs, to help mitigate the corresponding yield dispersion, Fusion shall (usually within 30 days   
thereafter) generally (with exceptions) purchase a higher yielding money market fund available on   
the custodian’s platform, unless Fusion reasonably anticipates that it will utilize the cash   
proceeds during the subsequent 30-day period to purchase additional investments for the client’s   
account. Exceptions and/or modifications can and will occur with respect to all or a portion of the   
cash balances for various reasons, including, but not limited to the amount of dispersion between   
the sweep account and a money market fund, the size of the cash balance, an indication from the   
client of an imminent need for such cash, or the client has a demonstrated history of writing   
checks from the account. Please Note: The above does not apply to the cash component maintained   
within a Fusion actively managed investment strategy (the cash balances for which shall generally   
remain in the custodian designated cash sweep account), assets allocated to an unaffiliated   
investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The   
client shall remain exclusively responsible for yield dispersion/cash balance decisions and   
corresponding transactions for cash balances maintained in any Fusion unmanaged accounts. ANY   
QUESTIONS: Fusion’s Chief Compliance Officer, Brett Stanton, remains available to address any   
questions that a client or prospective client may have regarding the above.

Unaffiliated Private Investment Funds.  
Registrant does not recommend that its clients purchase private investment funds. However, the   
Registrant will assist the client with the purchase of same upon express request. Upon such   
request, the Registrant, on a non-discretionary basis, shall present prospective private funds to   
the client for the client’s review and consideration. Registrant’s role relative to unaffiliated   
private investment funds shall be limited to its initial and ongoing review and investment   
monitoring services. If a client determines to become an unaffiliated private fund investor, the   
amount of assets invested in the fund(s) shall be included as part of “assets under management” for   
purposes of Registrant calculating its investment advisory fee. Registrant’s fee shall be in   
addition to the fund’s fees. Registrant’s clients are under absolutely no obligation to consider or   
make an investment in any private investment fund(s).  
Please Note: Private investment funds generally involve various risk factors, including, but not   
limited to, potential for complete loss of principal, liquidity constraints and lack of   
transparency, a complete discussion of which is set forth in each fund’s offering documents, which   
will be provided to each client for review and consideration.  Unlike liquid investments that a   
client may own, private investment funds do not provide daily liquidity or pricing. Each   
prospective client investor will be required to complete a Subscription Agreement, pursuant to   
which the client shall establish that the client is qualified for investment in the fund and   
acknowledges and accepts the various risk factors that are associated with such an investment.

Please Also Note: Valuation. In the event that Registrant references private investment funds owned   
by the client on any supplemental account reports prepared by Registrant, the value(s) for all   
private investment funds owned by the client shall reflect the most recent valuation provided by   
the fund sponsor. However, if subsequent to purchase, the fund has not provided an updated   
valuation, the valuation shall reflect the initial purchase price. If subsequent to purchase, the   
fund provides an updated valuation, then the statement will reflect that updated value. The updated   
value will continue to be reflected on the reportuntil the fund provides a further updated value. Please Also Note: As result of the valuation   
process, if the valuation reflects initial purchase price or an updated value subsequent to   
purchase price, the current value(s) of an investor’s fund holding(s) could be significantly more   
or less than the value reflected on the report. Unless otherwise indicated, Registrant shall   
calculate its fee based upon the latest value provided by the fund sponsor.

Conflict of Interest: To assist with identifying funds for the client’s review and consideration,   
the Registrant shall use the private fund due diligence and platform services provided by Opto   
Investments (“Opto”).  Registrant’s minority shareholder, Merchant Wealth Partners, LLC   
(“Merchant”), maintains a minority ownership interest in Opto, thereby creating a potential   
conflict of interest (i.e., Opto will derive compensation from private funds that are available on   
its platform).  ANY QUESTIONS: Registrant’s Chief Compliance Officer, Brett Stanton, remains   
available to address any questions regarding Opto and the above referenced conflict of interest.

Cash Positions. Registrant continues to treat cash as an asset class. As such, unless determined to   
the contrary by Registrant, all cash positions (money markets, etc.) shall continue to be included   
as part of assets under management for purposes of calculating Registrant’s advisory fee. At any   
specific point in time, depending upon perceived or anticipated market conditions/events (there   
being no guarantee that such anticipated market conditions/events will occur), Registrant may   
maintain cash positions for defensive purposes. In addition, while assets are maintained in cash,   
such amounts could miss market advances. Depending upon current yields, at any point in time,   
Registrant’s advisory fee could exceed the interest paid by the client’s money market fund. ANY   
QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address   
any questions that a client or prospective may have regarding the above fee billing practice.

Borrowing Against Assets/Risk. A client who has need to borrow money could determine to do so by   
using:  
• Margin – The account custodian or broker-dealer lends money to the client. The custodian charges   
the client interest for the right to borrow money, and uses the assets in the client’s brokerage   
account as collateral; and  
• Pledged Assets Loan – In consideration for a lender (i.e., a bank, etc.) to make a loan to the   
client, the client pledges its investment assets held at the account custodian as collateral;  
These above-described collateralized loans are generally utilized because they typically provide   
more favorable interest rates than standard commercial loans.  These types of collateralized loans   
can assist with a pending home purchase, permit the retirement of more expensive debt, or enable   
borrowing in lieu of liquidating existing account positions and incurring capital gains taxes.   
However, such loans are not without potential material risk to the client’s investment assets. The   
lender (i.e., custodian, bank, etc.) will have recourse against the client’s investment assets in   
the event of loan default or if the assets fall below a certain level. For this reason, Fusion does   
not recommend such borrowing unless it is for specific short-term purposes (i.e., a bridge loan to   
purchase a new residence). Fusion does not recommend such borrowing for investment purposes (i.e.,   
to invest borrowed funds in the market). Regardless, if the client was to determine to utilize   
margin or a pledged assets loan, the following economic benefits would inure to Fusion:

• By taking the loan rather than liquidating assets in the client’s account,  
Fusion continues to earn a fee on such Account assets; and,  
• If the client invests any portion of the loan proceeds in an account to be managed by Fusion,   
Fusion will receive an advisory fee on the invested amount; and,  
• If Fusion’s advisory fee is based upon the higher margined account value, Fusion will earn a   
correspondingly higher advisory fee. This could provide Fusion with a disincentive to encourage the   
client to discontinue the use of margin.  
Please Note:  The client must accept the above risks and potential corresponding consequences   
associated with the use of margin or a pledged assets loan.

C. The Registrant provides investment advisory services specific to the needs of each client.   
Before providing investment advisory services, an investment adviser representative will ascertain   
each client’s investment objectives. Thereafter, the Registrant shall allocate and/or recommend   
that the client allocate investment assets consistent with the designated investment objective(s).   
The client may, at any time, impose reasonable restrictions, in writing, on the Registrant’s   
services.

D. The Registrant does not participate in a wrap fee program.

E. As of December 31, 2025, the Registrant had $1,441,403,309 in Client assets,  
$1,425,894,758 of which are managed on a discretionary basis and $15,508,551 on a non-discretionary   
basis.  Clients may request more current information at any time by contacting the Registrant.

Item 5    Fees and Compensation  
A. Registrant offers its services on a fee basis, meaning that clients pay an annual fee based upon   
assets under management and/or advisement as described below.  
INVESTMENT ADVISORY SERVICES  
If a client chooses to engage the Registrant to provide discretionary and/or non-discretionary   
investment advisory services on a negotiable fee basis, the Registrant’s annual investment advisory   
fee shall be generally based upon a percentage (%) of the market value of assets under management   
according to the following fee schedule:  
Market Value of Portfolio                Annual Fee*  
Under $3,000,000                    1.10%  
Over $3,000,000 but less than $10,000,000       0.95%  
Above $10,000,000                    0.80%  
Client accounts will be aggregated by household for billing purposes to achieve the lowest possible   
pricing. The annual investment advisory fee is billed on a quarterly basis, in advance (except for   
Participant Directed Retirement Plans, which are billed in arrears), based upon the market value of   
the assets on the last day of the previous quarter. If assets in excess of $10,000 are deposited   
into or withdrawn from an account after the inception of a billing period, the fee payable with   
respect to such assets is adjusted to reflect theinterim change in portfolio value. For the initial period of an engagement, the fee is calculated   
on a pro rata basis.

*Where applicable, agreed upon non-managed assets held as part of your portfolio with Fusion Family   
Wealth will not be charged any Fusion fee. These non-managed assets will be assessed a reporting   
services fee of 0.02% (2 bps).

Independent Manager Fees. Without limiting the above, the annual investment management fee charged   
by Independent Manager(s) to the client can range from 0.17% to 0.53% of the assets allocated to   
the Independent Manager(s). Fees for equity managers are generally higher than those for fixed   
income managers. The applicable advisory fee charged by the Independent Manager(s), any related   
platform fee, “SMA” fee, “UMA” fee, “TAMP” fee, or similarly named fee is separate from, and in   
addition to, the Registrant’s investment advisory fee as set forth above.  
Fee Dispersion. Registrant, in its discretion, may charge a lesser investment advisory fee, waive   
its asset minimum, charge a flat fee, waive its fee entirely, or charge a fee on a different   
interval, based upon certain criteria (i.e. anticipated future earning capacity, anticipated future   
additional assets, dollar amount of assets to be managed, related accounts, account composition,   
complexity of the engagement, anticipated services to be rendered, grandfathered fee schedules,   
employees and family members, courtesy accounts, competition, negotiations with client, etc.). As   
result of the above, similarly situated clients could pay different fees. In addition, similar   
advisory services may be available from other investment advisers for similar or lower fees.  
Fee Level Adjustment. Registrant’s annual fee generally decreases at the asset levels described   
above (over $3 million and over $10 million). Correspondingly, if the client’s managed assets fall   
below those agreed levels, Registrant’s annual fee will increase. If the asset level changes occur   
during any billing quarter, there will be no interim intra-quarter fee adjustments. Rather, the fee   
shall be adjusted as of the beginning of the following initial full billing quarter.  
Reporting Services Fee. Clients who choose to receive reporting services for investment assets that   
the client has not engaged the Registrant to manage (the “Excluded Assets”) will incur an   
additional annual reporting services fee of $80/Yodlee account for the Excluded Assets.  
ANY QUESTIONS: Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address   
any questions that a client or prospective client may have regarding advisory fees.

RETIREMENT ACCOUNTS  
For new clients that engage the Registrant’s services, effective March 1, 2021, assets maintained   
by the client in their employer sponsored retirement plan shall be included for purpose of   
Registrant calculating its quarterly fee per the fee schedule set forth at Item 5 above. However,   
if the client advises the Registrant, in writing, that it does not desire for the Registrant to   
provide advisory services for the client’s employer sponsored retirement plan, such assets shall   
not be included for Registrant’s fee billing purposes. At no time shall the Registrant maintain the   
client’s password for such retirement accounts, and it will be the client’s exclusive obligation to   
implement the Registrant’s recommendations.

FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)  
To the extent specifically requested by a client, the Registrant may determine to provide financial   
planning and/or consulting services (including investment and non-investment related matters,   
including estate planning, insurance planning, etc.) on a stand-alone fee basis. Registrant’s   
planning and consulting fees are negotiable but are generally charged at a rate of $300 per hour,   
depending upon the level and scope of the service(s) required and the professional(s) rendering the   
service(s).

RETIREMENT PLAN CONSULTING SERVICES  
If a participant directed retirement plan sponsor client chooses to engage the Registrant to   
provide retirement plan consulting services, Registrant’s annual fee for these services ranges from   
20bps to 35bps based on the value of plan’s assets on the last day of the previous quarter payable   
quarterly, in arrears.

B. Clients may elect to have the Registrant’s investment advisory fees and retirement plan   
consulting fees deducted from their custodial account. Registrant’s Investment Advisory Agreement,   
Retirement Plan Services Agreement, and the applicable custodial/clearing agreement may authorize   
the custodian to debit the account for the amount of the Registrant’s investment advisory fee and   
to  directly remit that fee to the Registrant in compliance with regulatory procedures. In the   
limited event that the Registrant bills the client directly for those services, payment is due upon   
receipt of the Registrant’s invoice. The Registrant shall deduct investment advisory fees and   
retirement plan consulting fees  
C. As discussed below, unless the client directs otherwise or an individual client’s circumstances   
require, the Registrant shall generally recommend that Fidelity Institutional Wealth Services, an   
SEC-registered and FINRA member broker dealer (“Fidelity”), and/or Pershing Advisor Solutions, LLC   
an SEC-registered and FINRA member broker dealer serve as the broker-dealer/custodian for client   
investment advisory assets. Broker-dealers such as Fidelity and Pershing charge brokerage   
commissions, transaction, and/or other type fees for effecting certain types of securities   
transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and   
mark-downs charged for fixed income transactions, etc.). The types of securities for which   
transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall   
differ depending upon the broker-dealer/custodian (while certain custodians do not currently charge   
fees on individual equity transactions (including ETFs), others do). Currently, neither Fidelity   
nor Pershing charges transaction fees for individual equity transactions (including ETFs), with the   
exception that Fidelity will charge a transaction fee of $0.01 per share for equity transactions in   
excess of 10,000 shares. Pershing will also assess fees to clients who elect to receive account   
statements by regular mail rather than electronically. Pershing currently charges $2 per hard copy   
statement.  In addition to Registrant’s investment advisory fee, brokerage commissions and/or   
transaction fees, clients will also incur, relative to all mutual fund and exchange traded fund   
(“ETF”) purchases, charges imposed at the fund level (e.g. management fees and other fund   
expenses).  Clients (to the extent applicable to their account assets), can also incur deferred   
sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees and   
other fees and taxes on brokerage accounts and securities transactions, advisory fees imposed by   
Independent Manager(s) (including any related platform fee, “SMA” fee, “UMA” fee, “TAMP” fee, or   
similarly-named fee). Registrant does not receive any portion of these fees/charges. ANY QUESTIONS:   
The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address any   
questions regarding fees to be incurred by the client.  
D. The Registrant’s annual investment advisory fee shall be prorated and paid quarterly in advance,   
based upon the market value of the assets on the last day of the previous quarter. The Registrant’s   
annual retirement plan consulting fee shall be prorated and paid quarterly in arrears, based upon   
the market value of the assets on the last day of the previous quarter. The applicable form of   
agreement between the Registrant and the client will continue in effect until terminated by either   
party in conformity with the terms of such agreement. Upon termination of such agreement, the   
Registrant shall, based upon the type of account:  
(1) retirement plans bill the client or debit the account for the pro-rated portion of the unpaid   
advisory fee based upon the number of days those services were provided during the billing quarter;   
or, (2) all other types of accounts refund the pro-rated portion of the advanced advisory fee paid   
based upon the number of days remaining in the billing quarter, as applicable. ANY QUESTIONS: The   
Registrant’s Chief Compliance Officer, Brett Stanton, remains available to address any questions   
regarding fees to be incurred by the client.  
E. Neither the Registrant, nor its representatives accept compensation from the sale of securities   
or other investment products.

Item 6    Performance-Based Fees and Side-by-Side Management  
Neither the Registrant nor any supervised person of the Registrant accepts performance-based fees.

Item 7    Types of Clients  
The Registrant’s clients generally include individuals, high net worth individuals, related trusts   
and estates, pension, and profit-sharing plans. The Registrant generally requires a $5 million   
aggregate asset minimum for investment advisory services. The Registrant, in its sole discretion,   
may reduce its minimum asset preference based upon certain criteria (i.e., anticipated future   
earning capacity, anticipated future additional assets, dollar amount of assets to be managed,   
related accounts, account composition, negotiations with client, etc.). Please also refer to Item 5   
above with respect to “Fee Dispersion.”

Item 8    Methods of Analysis, Investment Strategies and Risk of Loss  
A. The Registrant may utilize the following methods of security analysis:  
•  Fundamental - (analysis performed on historical and present data, with the goal of making   
financial forecasts);  
•  Technical – (analysis performed on historical and present data, focusing on price and trade   
volume, to forecast the direction of prices); and/or  
•  Cyclical – (analysis performed on historical relationships between price and market trends, to   
forecast the direction of prices).  
The Registrant may utilize the following investment strategies when implementing investment advice   
given to clients:  
•  Long Term Purchases (securities held at least a year);  
•  Short Term Purchases (securities sold within a year); and/or  
•  Margin Transactions (use of borrowed assets to purchase financial instruments) 14

Investment Risk. Past performance does not guarantee future results. Investing in securities   
involves risk of loss that clients should be prepared to bear, including the complete loss of   
principal investment. Different types of investments involve varying degrees of risk, and it should   
not be assumed that future performance of any specific investment or investment strategy (including   
the investments and/or investment strategies recommended or undertaken by the Registrant) will be   
profitable or equal any specific performance level(s). While markets may increase and client   
account values could benefit as a result, it is also possible that markets may decrease, and such   
account values could suffer a loss. It is therefore important that clients understand investment   
risks, diversification strategies, and ask Registrant any questions they may have before making any   
investment decisions.

B. The Registrant’s methods of analysis and investment strategies do not present any significant or   
unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate   
market analysis the Registrant must have access to current/new market information. The Registrant   
has no control over the dissemination rate of market information; therefore, unbeknownst to the   
Registrant, certain analyses may be compiled with outdated market information, severely limiting   
the value of the Registrant’s analysis. Furthermore, an accurate market analysis can only produce a   
forecast of the direction of market values. There can be no assurances that a forecasted change in   
market value will materialize into actionable and/or profitable investment opportunities.

The Registrant’s primary investment strategies (Long-Term Purchases and Short-Term Purchases) are   
fundamental investment strategies. However, every investment strategy has its own inherent risks   
and limitations. For example, longer term investment strategies require a longer investment time   
period to allow for the strategy to potentially develop. Shorter term investment strategies require   
a shorter investment time period to potentially develop but, as a result of more frequent trading,   
may incur higher transactional costs when compared to a longer-term investment strategy.

C. Registrant recommends asset allocations based on a particular client’s: economic situation,   
liquidity needs, risk tolerance, proposed investment period, need for diversification, reliance   
upon current income, present and anticipated tax situation. Registrant also considers historical   
yields, potential appreciation, and marketability before making investment recommendations.   
Registrant primarily allocates or recommends that clients allocate investment assets among mutual   
funds, ETFs, and Independent Managers in accordance with the clients’ designated investment   
objectives. To a lesser extent, when consistent with investment objectives, Registrant may also   
allocate or recommend that clients allocate investment assets among individual equities (stocks)   
and individual bonds. In certain limited circumstances, when consistent with a client’s investment   
objectives, the Registrant may also recommend the use of margin transactions.

Each type of investment has its own unique set of risks associated with it. The following provides   
a short description of some of the underlying risks associated with the types of investments that   
Registrant uses or recommends:  
Market Risk. The price of a security may drop in reaction to tangible and intangible events and   
conditions. This type of risk may be caused by external factors (such as economic or political   
factors) but may also be incurred because of a security’s specific underlying investments.   
Additionally, each security’s price can fluctuate based on market movement,\  
which may or may not be due to the security’s operations or changes in its true value. For example,   
political, economic, and social conditions may trigger market events which are temporarily   
negative, or temporarily positive.

Unsystematic Risk. Unsystematic risk is the company-specific or industry-specific risk in a   
portfolio that the investor bears. Unsystematic risk is typically addressed through   
diversification. However, as indicated above, diversification does not guarantee better performance   
and cannot eliminate the risk of investment losses.

Value Investment Risk. Value stocks may perform differently from the market as a whole and   
following a value-oriented investment strategy may cause a portfolio to underperform growth stocks.  
Growth Investment Risk. Prices of growth stocks tend to be higher in relation to their companies’   
earnings and may be more sensitive to market, political and economic developments than other   
stocks, making their prices more volatile.

Small Company Risk. Securities of small companies are often less liquid than those of large   
companies and this could make it difficult to sell a small company security at a desired time or   
price. As a result, small company stocks may fluctuate relatively more in price. In general, small   
capitalization companies are more vulnerable than larger companies to adverse business or economic   
developments and they may have more limited resources.  
Commodity Risk. The value of commodity-linked derivative instruments may be affected by changes in   
overall market movements, commodity index volatility, changes in interest rates, or factors   
affecting a particular industry or commodity, such as drought, floods, weather, livestock disease,   
embargoes, tariffs, and international economic, political, and regulatory developments.

Foreign Securities and Currencies Risk. Foreign securities prices may decline or fluctuate because   
of: (i) economic or political actions of foreign governments, and/or (ii) less regulated or liquid   
securities markets.  Investors holding these securities are also exposed to foreign currency risk   
(the possibility that foreign currency will fluctuate in value against the U.S. dollar).  
Interest Rate Risk. Fixed income securities and fixed income-based securities are subject to   
interest rate risk because the prices of fixed income securities tend to move in the opposite   
direction of interest rates. When interest rates rise, fixed income security prices tend to fall.   
When interest rates fall, fixed income security prices tend to rise. In general, fixed income   
securities with longer maturities are more sensitive to these price changes.

Inflation Risk. When any type of inflation is present, a dollar at present value will not carry the   
same purchasing power as a dollar in the future, because that purchasing power erodes at the rate   
of inflation.  
Reinvestment Risk. Future proceeds from investments may have to be reinvested at a potentially   
lower rate of return (i.e., interest rate), which primarily relates to fixed income securities.

Credit Risk. The issuer of a security may be unable to make interest payments and/or repay   
principal when due. A downgrade to an issuer’s credit rating or a perceived change

in an issuer’s financial strength may affect a security’s value and impact performance. Credit risk   
is considered greater for fixed income securities with ratings below investment grade. Fixed income   
securities that are below investment grade involve higher credit risk and are considered   
speculative.

Call Risk. During periods of falling interest rates, a bond issuer will call or repay a   
higher-yielding bond before its maturity date, forcing the investment to reinvest in bonds with   
lower interest rates than the original obligations.

Regulatory Risk. Changes in laws and regulations from any government can change the market value of   
companies subject to such regulations. Certain industries are more susceptible to government   
regulation. For example, changes in zoning, tax structure or laws may impact the return on   
investments.

Mutual Fund Risk. Mutual funds are operated by investment companies that raise money from   
shareholders and invest it in stocks, bonds, and/or other types of securities. Each fund will have   
a manager that trades the fund’s investments in accordance with the fund’s investment objective.   
Mutual funds charge a separate management fee for their services, so the returns on mutual funds   
are reduced by the costs to manage the funds. While mutual funds generally provide diversification,   
risks can be significantly increased if the fund is concentrated in a particular sector of the   
market. Mutual funds come in many varieties. Some invest aggressively for capital appreciation,   
while others are conservative and are designed to generate income for shareholders. In addition,   
the client’s overall portfolio may be affected by losses of an underlying fund and the level of   
risk arising from the investment practices of an underlying fund (such as the use of derivatives).

Exchange Traded Fund Risk. ETFs are marketable securities that are designed to track, before fees   
and expenses, the performance or returns of a relevant index, commodity, bonds or basket of assets,   
like an index fund. Unlike mutual funds, ETFs trade like common stock on a stock exchange. ETFs   
experience price changes throughout the day as they are bought and sold. In addition to the general   
risks of investing, there are specific risks to consider with respect to an investment in ETFs,   
including, but not limited to: (i) an ETF’s shares may trade at a market price that is above or   
below its net asset value; (ii) the ETF may employ an investment strategy that utilizes high   
leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s   
officials deem such action appropriate, the shares are de-listed from the exchange, or the   
activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices)   
halts stock trading generally.  
Margin Transactions. A margin transaction strategy, in which an investor uses borrowed assets to   
purchase financial instruments, involves a high level of inherent risk. The investor generally   
obtains the borrowed assets by using other securities as collateral for the borrowed sum. The   
effect of purchasing a security using margin is to magnify any gains or losses sustained by the   
purchase of the financial instruments on margin. Please Note: To the extent that a client   
authorizes the use of margin, and margin is thereafter employed by the Registrant in the management   
of the client’s investment portfolio, the market value of the client’s account and corresponding   
fee payable by the client to the Registrant may be increased. As a result, in addition to   
understanding and assuming the additional principal risks associated with the use of margin,   
clients authorizing margin are advised of the potential conflict of interest whereby the client’s   
decision to employ margin may correspondingly increase the management fee payable to the   
Registrant. Accordingly, the decision as to whether to employ margin is left totally to the   
discretion of client.  
Item 9    Disciplinary Information  
The Registrant has not been the subject of a disciplinary action.

Item 10    Other Financial Industry Activities and Affiliations  
A. Neither the Registrant, nor its representatives, are registered or have an application pending   
to register, as a broker-dealer or a registered representative of a broker-dealer.  
B. Neither the Registrant, nor its representatives, are registered or have an application pending   
to register, as a futures commission merchant, commodity pool operator, a commodity trading   
advisor, or a representative of the foregoing.

C.  As indicated above relative to Independent Manager(s), the Registrant recommends or selects   
other investment advisors (i.e., Independent Manager(s)) for its clients for which the Registrant   
earns an advisory fee.

Item 11    Code of Ethics, Participation or Interest in Client Transactions and Personal Trading  
A.  The Registrant maintains an investment policy relative to personal securities transactions.   
This investment policy is part of Registrant’s overall Code of Ethics, which serves to establish a   
standard of business conduct for all of Registrant’s Representatives that is based upon fundamental   
principles of openness, integrity, honesty and trust, a copy of which is available upon request.

In accordance with Section 204A of the Investment Advisers Act of 1940 and similar state law, the   
Registrant also maintains and enforces written policies reasonably designed to prevent the misuse   
of material non-public information by the Registrant or any person associated with the Registrant.  
B. Neither the Registrant nor any related person of Registrant recommends, buys, or sells for   
client accounts, securities in which the Registrant or any related person of Registrant has a   
material financial interest.  
C. The Registrant and/or representatives of the Registrant may buy or sell securities that are also   
recommended to clients. This practice may create a situation where the Registrant and/or   
representatives of the Registrant are in a position to materially benefit from the sale or purchase   
of those securities. Therefore, this situation creates a potential conflict of interest. Practices   
such as “scalping” (i.e., a practice whereby the owner of shares of a security recommends that   
security for investment and then immediately sells it at a profit upon the rise in the market price   
which follows the recommendation) could take place if the Registrant did not have adequate policies   
in place to detect such activities. In addition, this requirement can help detect insider trading,   
“front-running” (i.e., personal trades executed before those of the Registrant’s clients) and other   
potentially abusive practices.

The Registrant has a personal securities transaction policy in place to monitor the personal   
securities transactions and securities holdings of each of the Registrant’s “Access Persons.” The   
Registrant’s securities transaction policy requires that Access Person of the Registrant must   
provide the Chief Compliance Officer or his/her designee with a written report of their current   
securities holdings within ten (10) days after becoming an Access Person.

Furthermore, Access Persons must provide the Chief Compliance Officer with a quarterly transaction   
report, detail all trades in the Access Person’s account during the previous quarter; and on an   
annual basis, each Access Person must provide the Chief Compliance Officer with a written report of   
the Access Person’s current securities holdings. However, at any time that the Registrant has only   
one Access Person, he or she shall not be required to submit any securities report described above.  
D. The Registrant and/or representatives of the Registrant may buy or sell securities, at or around   
the same time as those securities are recommended to clients. This practice creates a situation   
where the Registrant and/or representatives of the Registrant are in a position to materially   
benefit from the sale or purchase of those securities. Therefore, this situation creates a   
potential conflict of interest. As indicated above in Item 11.C. the Registrant has a personal   
securities transaction policy in place to monitor the personal securities transaction and   
securities holdings of each of Registrant’s Access Persons.

Item 12   Brokerage Practices  
A. In the event that the client requests that the Registrant recommend a broker-dealer/custodian   
for execution and/or custodial services (exclusive of those clients that may direct the Registrant   
to use a specific broker-dealer/custodian), Registrant generally recommends that investment   
advisory accounts be maintained at Fidelity and/or Pershing. Clients are not obligated to use the   
recommended custodian and will not incur any extra fee or cost from the Registrant associated with   
using a custodian not recommended by the Registrant. Depending on which custodian the client   
selects to maintain their accounts, clients may experience differences in customer service,   
transaction timing, the availability of sweep account vehicles and money market funds and other   
aspects of investing. In certain instances, some of these differences could cause differences in   
account performance. Before engaging Registrant to provide investment advisory services, the client   
will be required to enter into a formal Investment Advisory Agreement with Registrant setting forth   
the terms and conditions under which Registrant shall manage the client’s assets, and a separate   
custodial/clearing agreement with each designated broker-dealer/ custodian.  
Factors that the Registrant considers in recommending Fidelity and/or Pershing (or any other   
broker-dealer/custodian) to clients include historical relationship with the Registrant, financial   
strength, reputation, execution capabilities, pricing, research, and service. Although the   
commissions and/or transaction fees paid by Registrant’s clients shall comply with the Registrant’s   
duty to obtain best execution, a client may pay a commission that is higher than another qualified   
broker-dealer might charge to affect the same transaction where the Registrant determines, in good   
faith, that the commission/transaction fee is reasonable. In seeking best execution, the   
determinative factor is not the lowest possible cost, but whether the transaction represents the   
best qualitative execution, taking into consideration the full range of broker-dealer services,   
including the value of research provided, execution capability, commission rates, and   
responsiveness. Accordingly, although Registrant will seek competitive rates, it may not   
necessarily obtain the lowest possible commission rates for client account transactions. The   
brokerage commissions or transaction fees charged by the designated broker-dealer/custodian are   
exclusive of, and in addition to, Registrant’s investment advisory fee. The Registrant’s best price   
execution responsibility is qualified if securities that it purchases for client accounts are   
mutual funds that trade at net asset value as determined at the daily market close.  
1. Non-Soft Dollar Research and Additional Benefits

Although not a material consideration when determining whether to recommend that a client utilize   
the services of a particular broker-dealer/custodian, Registrant can receive from Fidelity and/or   
Pershing (or other broker-dealer/custodians, unaffiliated investment managers, Independent   
Manager(s), investment platforms, vendors, and/or product/fund sponsors) without cost (and/or at a   
discount) support services and/or products, certain of which assist the Registrant to better   
monitor and service client accounts maintained at such institutions. Included within the support   
services that can be obtained by the Registrant may be investment-related research, pricing   
information and market data, software and other technology that provide access to client account   
data, compliance and/or practice management-related publications, discounted or gratis consulting   
services, discounted and/or gratis travel expenses/attendance at conferences, meetings, and other   
educational and/or social events, marketing support (including a financial contribution toward the   
cost of the Firm’s annual golf tournament), computer hardware and/or software and/or other products   
used by Registrant in furtherance of its investment advisory business operations.

Certain of the support services and/or products that may be received may assist the Registrant in   
managing and administering client accounts. Others do not directly provide such assistance, but   
rather assist the Registrant to manage and further develop its business enterprise.

Registrant’s clients do not pay more for investment transactions effected and/or assets maintained   
at a broker-dealer/custodian as a result of this arrangement. There is no corresponding commitment   
made by the Registrant to any broker-dealers/custodians or any other entity to invest any specific   
amount or percentage of client assets in any specific mutual funds, securities or other investment   
products as a result of the above arrangements. ANY QUESTIONS: The Registrant’s Chief Compliance   
Officer, Brett Stanton, remains available to address any questions that a client or prospective   
client may have regarding the above arrangements and the corresponding conflicts of interest   
presented by such arrangements.

2. The Registrant does not receive referrals from broker-dealers.  
3. Directed Brokerage.  
The Registrant does not generally accept directed brokerage arrangements (when a client requires   
that account transactions be affected through a specific broker-dealer). In such client directed   
arrangements, the client will negotiate terms and arrangements for their account with that   
broker-dealer, and Registrant will not seek better execution services or prices from other   
broker-dealers or be able to “batch” the client’s transactions for execution through other   
broker-dealers with orders for other accounts managed by Registrant. As a result, the client may   
pay higher commissions or other transaction costs or greater spreads, or receive less favorable net   
prices, on transactions for the account than would otherwise be the case.

Please Note: In the event that the client directs Registrant to effect securities transactions for   
the client’s accounts through a specific broker-dealer, the client correspondingly acknowledges   
that such direction may cause the accounts to incur higher commissions or transaction costs than   
the accounts would otherwise incur had the client determined to effect account transactions through   
alternative clearing arrangements that may be available through Registrant. Higher transaction   
costs adversely impact account performance. ANY QUESTIONS: The Registrant’s Chief  
Compliance Officer, Brett Stanton, remains available to address any questions that a client or   
prospective client may have regarding the above arrangement.

B. Transactions for each client account generally will be affected independently, unless the   
Registrant decides to purchase or sell the same securities for several clients at approximately the   
same time. The Registrant may (but is not obligated to) combine or “bunch” such orders to obtain   
best execution, to negotiate more favorable commission rates or to allocate equitably among the   
Registrant’s clients differences in prices and commissions or other transaction costs that might   
have been obtained had such orders been placed independently. Under this procedure, transactions   
will be averaged as to price and will be allocated among clients in proportion to the purchase and   
sale orders placed for each client account on any given day. The Registrant shall not receive any   
additional compensation or remuneration as a result of such aggregation.

Item 13   Review of Accounts  
A. For those clients to whom Registrant provides investment supervisory services, account reviews   
are conducted on an ongoing basis by the Registrant’s investment adviser representatives and/or   
Chief Compliance Officer. All investment supervisory clients are advised that it remains their   
responsibility to advise the Registrant of any changes in their investment objectives and/or   
financial situation. All clients (in person or via telephone) are encouraged to review financial   
planning issues (to the extent applicable), investment objectives and account performance with the   
Registrant on an annual basis.  
B. The Registrant may conduct account reviews on an other-than periodic basis upon the occurrence   
of a triggering event, such as a change in client investment objectives and/or financial situation,   
market corrections and client request.

C. Clients are provided, at least quarterly, with written transaction confirmation notices and   
regular written summary account statements directly from the broker-dealer/custodian and/or program   
sponsor for the client accounts. The Registrant may also provide a written periodic report   
summarizing account activity and performance.

Item 14   Client Referrals and Other Compensation  
A. As referenced in Item 12.A.1 above, the Registrant can receive economic benefits from Fidelity   
and/or Pershing (or other broker-dealer/custodians, unaffiliated investment managers, Independent   
Manager(s), investment platforms, and/or mutual fund sponsors), such as support services and/or   
products without cost or at a discount. Registrant’s clients do not pay more for investment   
transactions effected and/or assets maintained at a broker-dealer/custodian as a result of this   
arrangement. There is no corresponding commitment made by the Registrant to a   
broker-dealer/custodian or any other entity to invest any specific amount or percentage of client   
assets in any specific mutual funds, securities or other investment products as a result of the   
above arrangements. ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton,   
remains available to address any questions that a client or prospective client may have regarding   
the above arrangements and the corresponding conflicts of interest presented by such arrangements

B. The Registrant engages promoters to introduce new prospective clients to the Registrant   
consistent with the Investment Advisers Act of 1940, its corresponding. Rules, and applicable state   
regulatory requirements. If the prospect subsequently engages the Registrant, the promoter shall   
generally be compensated by the Registrant for the introduction. Because the promoter has an   
economic incentive to introduce the prospect to the Registrant, a conflict of interest is   
presented. The promoter’s introduction shall not result in the prospect’s payment of a higher   
investment advisory fee to the Registrant (i.e., if the prospect was to engage the Registrant   
independent of the promoter’s introduction).

C. In the event that a client advises Fusion Family that it requires the services of an   
unaffiliated professional (i.e., attorney, CPA, insurance agent, etc.), and the client   
correspondingly requests an introduction from Fusion Family, Fusion Family may make an introduction   
to a professional who is also a Fusion Family client and/or referral source. Unless otherwise   
expressly indicated, in writing, neither Fusion Family, nor any Fusion Family employee, shall   
receive any compensation from the professional for the introduction. Nevertheless, because the   
recommended professional is also a Fusion Family client, a conflict of interest arises because by   
making the introduction, Fusion Family is assisting an individual or entity from whom it derives   
(and anticipates in the future will derive) compensation as a Fusion Family client. In addition,   
Fusion Family currently (and anticipates continuing to do so in the future) provides advisory   
services to referral sources on a discounted basis. In the event that Fusion Family introduces a   
client to an unaffiliated professional who is also a Fusion Family client, Fusion Family will   
disclose the conflict to the client. No client is under any obligation to utilize the services of   
any such recommend professional.

Item 15   Custody  
The Registrant shall have the ability to have its advisory fee for each client debited by the   
custodian on a quarterly basis. Clients are provided, at least quarterly, with written transaction   
confirmation notices and regular written summary account statements directly from the   
broker-dealer/custodian and/or program sponsor for the client accounts. The Registrant may also   
provide a written periodic report summarizing account activity and performance.

Please Note: To the extent that the Registrant provides clients with periodic account statements or   
reports, the client is urged to compare any statement or report provided by the Registrant with the   
account statements received from the account custodian.  The account custodian does not verify the   
accuracy of the Registrant’s advisory fee calculation.

Certain clients have established asset transfer authorizations that permit the qualified custodian   
to rely upon instructions from Fusion to transfer client funds or securities to third parties.   
These arrangements are disclosed at Item 9 of Part 1 of Form ADV. However, in accordance with the   
guidance provided in the SEC’s February 21, 2017, Investment Adviser Association No-Action Letter,   
the affected accounts are not subject to an annual surprise CPA examination. In addition, in   
limited circumstances, Registrant engages in certain custody-related services and/or practices   
(i.e., trustee service), that are disclosed at Item 9 of Part 1 of Form ADV. These services and   
practices are subject to an annual surprise CPA examination. ANY QUESTIONS: Fusion’s Chief   
Compliance Officer, Brett Stanton, remains available to address any questions that a client or   
prospective client may have regarding custody-related issues.

Item 16   Investment Discretion  
The client can determine to engage the Registrant to provide investment advisory services on a   
discretionary or non-discretionary basis. Before the Registrant assumes discretionary authority   
over a client’s account, client shall be required to execute an Investment Advisory Agreement,   
naming the Registrant as client’s attorney and agent in fact, granting the Registrant full   
authority to buy, sell, or otherwise effect investment transactions involving the assets in the   
client’s name found in the discretionary account.

Clients who engage the Registrant on a discretionary basis may, at any time, impose restrictions,   
in writing, on the Registrant’s discretionary authority (i.e., limit the types/amounts of   
particular securities purchased for their account, exclude the ability to purchase securities with   
an inverse relationship to the market, limit or proscribe the Registrant’s use of margin, etc.).

Item 17   Voting Client Securities  
A. The Registrant does not vote client proxies. Clients maintain exclusive responsibility for:  
(1) directing the manner in which proxies solicited by issuers of securities owned by the client   
shall be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers,   
bankruptcy proceedings or other type events pertaining to the client’s investment assets.  
Registrant will introduce a third-party service provider, Chicago Clearing Corp. (CCC), to assist   
the client with participation in securities class action lawsuits pertaining to the assets under   
Registrant’s management. Registrant would then provide trade data and other necessary information   
to the third-party service provider, which would research class action cases and complete and   
calculate the applicable proof of claim. The third-party service provider would then file the   
applicable proof of claim with the claims administrator, verify payment received from the claims   
administrator and distribute the payment to the client minus a fifteen percent (15%) contingency   
fee of securities class action settlements collected. Otherwise, if clients choose not to engage in   
the class action monitoring, filing, and recovery services provided by the third-party service   
provider, clients will be exclusively responsible for voting in all legal proceedings or other type   
events pertaining to the assets under Registrant’s management including, but not limited to, class   
action lawsuits.

Fair Fund Process. In the event that the third-party service provider is required to process a Fair   
Fund payment (i.e., a fund established by the SEC to distribute money to defrauded investors), the   
third-party service provider shall deposit the gross settlement into the client’s account. However,   
CCC, unlike its does for class action settlements, the third-party service provider will not deduct   
its percentage fee from the client‘s gross settlement. Rather, the third-party service provider   
shall accrue its Fair Fund fee and deduct it from the client’s subsequent class action   
settlement(s).

B. Clients will receive their proxies or other solicitations directly from their custodian. Clients   
may contact the Registrant to discuss any questions they may have with a particular solicitation.  
Item 18   Financial Information  
A. The Registrant does not solicit fees of more than $1,200, per client, six months or more in   
advance.

B. The Registrant is unaware of any financial condition that is reasonably likely to impair its   
ability to meet its contractual commitments relating to its discretionary authority over certain   
client accounts.  
C. The Registrant has not been the subject of a bankruptcy petition.

 

ANY QUESTIONS: The Registrant’s Chief Compliance Officer, Brett Stanton, remains available to   
address any questions that a client or prospective client may have regarding the  
above disclosures and arrangements.

[**](https://www.fusionfamilywealth.com/adv-2a#)

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