Financial planning services are provided via online systems operated by Moneyguide Pro and/or eMoney (Financial Planning Software). Moneyguide Pro and eMoney are separate and unaffiliated with each other as well as separate and unaffiliated with Pacific Advisory Securities Group, LLC (d/b/a The Pacific Group, LLC (“TPG”)) and any of its affiliated or related companies. Unless expressly communicated, TPG shall not be deemed to have recommended the use of the Financial Planning Software for any particular client. Rather, any fees charged with be for the actual financial planning services provided. Financial planning services will not be provided until after a prospective client has received copies of the firm’s Form CRS, Form ADV Part 2A, and Form ADV Part 2B, and executed an investment advisory agreement.