REBEL FINANCIAL, LLC.

Firm Brochure (Form ADV, Part 2A) rebel Financial LLC 5940 Clyde Moore Dr, Suite C Groveport, OH 43125 Phone: (614) 441-9605 Fax: (614) 441-4150 Website: https://rebelfinancial.com Item 1: Cover Page This brochure provides information about the qualification and business practices of rebel Financial LLC. If you have any questions about the contents of this brochure, please contact us at (614) 441-9605, or by email at support@rebelfinancial.com. 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 rebel Financial LLC is available on the SEC’s website at www.adviserinfo.sec.gov. March 15, 2025  Item 2: Material Changes Annual Update rebel Financial LLC is providing this information as part of our annual updating amendment which will contain material changes from our last annual update. Material Changes since the Last Update The Securities and Exchange Commission adopted amendments to Part 2 of Form ADV effective October 2010. The newly revised Part 2 consists of Part 2A (the “Brochure”) and Part 2B (the “Brochure Supplement”). Each update of the Brochure must now include a summary of all material changes since the last annual update dated March 15, 2024. These changes are noted below: • There were no material changes since the last annual amendment. This brochure dated March 15, 2025 replaces the previously published brochure dated March 15, 2024. Full Brochure Availability The Firm Brochure for rebel Financial LLC is available on our website: https://rebelfinancial.com or by contacting W. Phil Ratcliff at (614) 441-9605 or by e-mail at support@rebelfinancial.com. In 2025, all new clients are being provided a full copy of our brochure. 2  Item 3: Table of Contents Table of Contents Item 1: Cover Page ................................................................................................................ 1 Item 2: Material Changes....................................................................................................... 2 Annual Update ...............................................................................................................................2 Material Changes since the Last Update ..........................................................................................2 Full Brochure Availability ................................................................................................................2 Item 3: Table of Contents ....................................................................................................... 3 Item 4: Advisory Business ...................................................................................................... 6 Firm Description ............................................................................................................................6 Principal Owners ............................................................................................................................6 Types of Advisory Services .............................................................................................................6 Tailored Relationships ....................................................................................................................7 Wrap Fee Programs ........................................................................................................................7 Client Assets ..................................................................................................................................7 Item 5: Fees and Compensation ............................................................................................. 7 Description ....................................................................................................................................7 Fee Billing ......................................................................................................................................7 Other Fees ................................................................................................................................... 10 Fees Paid in Advance .................................................................................................................... 10 Additional Compensation ............................................................................................................. 11 Item 6: Performance-Based Fees & Side- by-Side Management ............................................ 11 Sharing of Capital Gains or Capital Appreciation............................................................................ 11 Item 7: Types of Clients ........................................................................................................ 11 Description .................................................................................................................................. 11 Account Minimums ...................................................................................................................... 11 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .................................... 12 Methods of Analysis ..................................................................................................................... 12 Investment Strategies .................................................................................................................. 12 Risk of Loss .................................................................................................................................. 12 3  Item 9: Disciplinary Information ........................................................................................... 14 Legal and Disciplinary ................................................................................................................... 14 Criminal or Civil Action ................................................................................................................. 15 Administrative Proceeding ........................................................................................................... 15 Self-Regulatory Proceeding ........................................................................................................... 15 Item 10: Other Financial Industry Activities and Affiliations .................................................. 15 Broker-dealer or Registered Representative .................................................................................. 15 Futures Commission Merchant, Commodity Pool Operator, Commodity Trading Adviser or Associated Person ........................................................................................................................ 15 Material Relationships or Arrangements with Financial Industry ................................................... 15 Recommend or Select Other Investment Advisers ......................................................................... 15 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 16 Code of Ethics .............................................................................................................................. 16 Recommend Securities with Material Financial Interest ................................................................ 16 Invest in Same Securities Recommended to Clients ....................................................................... 16 Personal Trading Policies .............................................................................................................. 16 Item 12: Brokerage Practices ............................................................................................... 17 Selecting Brokerage Firms ............................................................................................................ 17 Research and Soft Dollars ............................................................................................................. 17 Brokerage for Client Referrals ....................................................................................................... 17 Directed Brokerage ...................................................................................................................... 17 Order Aggregation ....................................................................................................................... 17 Item 13: Review of Accounts ................................................................................................ 18 Periodic Reviews .......................................................................................................................... 18 Review Triggers ............................................................................................................................ 18 Regular Reports ........................................................................................................................... 18 Item 14: Client Referrals and Other Compensation ............................................................... 18 Economic Benefits ........................................................................................................................ 18 Third Party Solicitors .................................................................................................................... 18 Item 15: Custody .................................................................................................................. 19 Account Statements ..................................................................................................................... 19 Item 16: Investment Discretion ............................................................................................ 20 Discretionary Authority for Trading ............................................................................................... 20 4  Limited Power of Attorney ............................................................................................................ 20 Item 17: Voting Client Securities ........................................................................................... 20 Proxy Voting ................................................................................................................................ 20 Item 18: Financial Information ............................................................................................. 21 Prepayment of Fees ..................................................................................................................... 21 Financial Condition ...................................................................................................................... 21 Bankruptcy .................................................................................................................................. 21 Item 19: Requirements for State- Registered Advisers........................................................... 21 Identify Principal Executive Officers and Management Person ....................................................... 21 Describe Business Other Than Investment Advice ......................................................................... 21 Describe How Supervised Persons are compensated with performance-based fees ........................ 21 Describe if a Management Person has been subject to a Disciplinary Event .................................... 21 Describe any Relationship with an Issuer of Securities ................................................................... 21 5  Item 4: Advisory Business Firm Description rebel Financial LLC is an investment advisor registered with the State of Ohio. We specialize in customized portfolio management for individual investors, high net worth investors, pension/profit sharing plans and corporations. rebel Financial LLC is a full service financial advisory firm. We offer fee-based advice, investment management, and insurance solutions through a comprehensive financial planning process. Principal Owners William “Phil” Ratcliff founded rebel Financial on May 31, 2013 and is the sole owner. Types of Advisory Services The primary service offered by rebel Financial LLC is Investment Advice. We provide Comprehensive Financial Planning (Fee for planning), Investment Management, Retirement Planning, Business Planning, Estate Planning, Goal-Based Planning, and miscellaneous fee based Financial Consulting Services. We offer investment management services at various levels. a) On-going advice: Simple rebel - http://simplerebel.com/ eRebel - http://erebeladvisor.com/ Silver rebel - http://silver.rebelfinancial.com/ i) ii) iii) iv) Gold rebel - http://gold.rebelfinancial.com/ b) Financial tools without in person advice: rFreemium and rFreemium+ - https://rebelfinancial.com/freemium-rebel-financial/ c) 401k/Pension/NQ Employer Sponsored Plans d) Tax Preparation • rebel Financial offers tax preparation services through in house staff and third party Certified Public Accountants on a referral basis. e) Bookkeeping Services • rebel Financial offers bookkeeping services for its business clients, for an additional fee, using Quickbooks Online. f) Payroll Services • rebel Financial offers three levels of payroll services (Lite, Full-Service, & HR Suite) for its business clients, for an additional fee, using Gusto and BambooHR. 6  Tailored Relationships rebel Financial LLC will work with clients to make customized portfolios and provide advice for special situations and needs. Wrap Fee Programs rebel Financial LLC does not offer wrap fee programs. Client Assets As of December 31, 2024, rebel Financial LLC had $303,997,042 of assets under management that are managed on a discretionary basis and had $9,983.799 of assets under management that are managed on a non-discretionary basis. Item 5: Fees and Compensation Description As of October 2022, rebel Financial LLC offers management fees based on the client’s net-worth versus assets under management. Our assets under management fee structure remains in effect for existing clients. New clients’ fees will be based on their net worth and are calculated as a percentage of net worth under management per the fee schedules below. Grandfathered assets under management (AUM) fees are based on the value of assets managed and fees are calculated as a percentage of assets under management. We reserve the right to negotiate fees for special situations. Fee Billing Fees to rebel Financial are based on the custodian chosen and the service selected. Simple rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each tier of net worth value. The minimum monthly fee is $75.00. Net Worth Management: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Over $1,000,000 0.725% 0.35% Converted to eRebel or higher 7  Simple rebel Investment Advisory Services (AUM-based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). eRebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each tier of net worth value. The minimum monthly fee is $150.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Over $2,000,000 0.80% 0.40% 0.275% Converted to Silver or higher eRebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract. Silver rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each tier of net worth value. The minimum monthly fee is $208.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Next $2,000,001 - $3,000,000 Next $3,000,001 - $4,000,000 Next $4,000,000+ 1.00% 0.50% 0.35% 0.275% 0.25% 0.165% 8  Silver rebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). Gold rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each tier of net worth value. The minimum monthly fee is $292.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Next $2,000,001 - $3,000,000 Next $3,000,001 - $4,000,000 Next $4,000,000+ 1.10% 0.60% 0.45% 0.35% 0.30% 0.225% Gold rebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). rFreemium+ Fee Schedule (AUM based) The Advisory monthly AUM Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each tier of net worth value. The minimum monthly fee is $0.00. AUM Value Preferred Custodian Fee 1.000% 0.500% 0.350% 0.250% First $0 - $99,999.99 Next $100,000 - $999,999.99 Over $1,000,000 Additional fee for rFjord noncompliance+ 9  Retirement Plan Investment Management Services The monthly Assets Under Management (AUM) Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule. Amount Under Management: rebel Financial 401k & Pension Fee Schedule $0.00-$999,999.99 $1,000,000.00-$1,999,999.99 $2,000,000.00-$9,999,999.99 $10,000,000.00 + Bronze 0.25% 0.20% 0.10% 0.05% Silver 0.40% 0.30% 0.15% 0.10% Gold 0.50% 0.40% 0.20% 0.15% Pontera Services We use Pontera to facilitate management of client assets that are held away from our custodians. The platform allows us to avoid being considered to have custody of client funds since we do not have direct access to client log in credentials. We are not affiliated with the platform in any way and receive no compensation for using the Pontera platform. Pontera is used for discretionary management, where rebel Financial LLC, when deemed necessary, will rebalance the account(s) considering the client’s investment goals, risk tolerance, and current economic and market trends. There is an additional 0.25% fee when clients choose to utilize the Pontera services. Other Fees Our management fees are separate from charges assessed by third parties such as broker dealers, custodians and mutual fund companies. Brokerage and other transaction costs charged by broker dealers executing transactions and custodians maintaining your assets are in addition to the management fees and are not negotiable. Mutual funds, variable annuities and or other platforms charge may asses other fees and expenses such as 12B-1 fees or commissions in connection with the placement of your funds. Fees Paid in Advance Our Net Worth and Asset Under Management (AUM) fees are charged monthly (1/12 of annual fee) in advance based upon the month end value of your account. In addition, some advisory programs also charge a fixed rate monthly fee depending on level of Assets Under Management (AUM). Fees may be deducted from your investment account(s) or clients may be invoiced for services. Depending on the type and level of services will dictate the ability for invoices and is selected in the fee addendum of the client agreement. This Agreement may be terminated by either party at any time upon written notice. In the event of such termination, Client shall not be entitled to a prorata refund and shall receive continuation of service, rFPW access, document storage, and assistance with account transfer service until the end of the current month. 10  Monthly Fixed fees for the Simple rebel, eRebel, Silver rebel and Gold rebel are not refund once charged as stated in the Investment Management Agreement. Your death will not terminate the Investment Management Agreement or authority granted to rebel Financial LLC until we have received actual written notification of termination of our service(s) by your estate representative and/or all accounts managed by rF are closed and/or transferred whichever occurs later. Additional Compensation Neither rebel Financial LLC nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance-Based Fees & Side- by- Side Management Sharing of Capital Gains or Capital Appreciation We do not currently have any performance based fee accounts – performance fees are fees based on a share of the capital gains or appreciation of the assets of the client. Item 7: Types of Clients Description We specialize in customized portfolio management and providing investment advice for individual investors, high net worth investors, pension/profit sharing plans and corporations. Account Minimums There are no account minimums. 11  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis rebel Financial will employ both technical and fundamental analysis to our research and investment management; focusing primarily on fundamental analysis and utilization of modern portfolio theory (MPT). Investment Strategies Investing in securities involves the risk of loss that clients should be prepared to bear. Understanding the type of risk(s) exposure involved in securities and investment advisory services, as well as one’s own tolerance for risk is a key component of the investment decision making process. Depending on a client’s particular situation, needs and expectations, there are various methods of analysis and investment strategies that Financial Professionals may use when developing a financial plan, formulating investment advice, or managing assets. The principal source of information used by rebel Financial to prepare financial plans is the information provided by clients, including personal data, assets and liabilities, income expectations, assumed rate of inflation and return on assets, long term and short term financial goals, risk tolerance and other relevant data. The staff may use services and subscriptions to review current federal laws on income, estate and gift taxes, regulations and rulings, in addition to financial planning publications and other research material such as the Wall Street Journal and federal websites such as the IRS. We may also use training and marketing materials, prospectuses and annual reports for the securities, investment and insurance products distributed by rebel Financial or its affiliates in developing product recommendations. rebel Financial also has access to investment research compiled by Morningstar’s in house research team. Morningstar provides rebel Financial with access to investment research and advice, market and economic commentary, performance reporting and recommendations, and portfolio management tools and services, that cover topics including mutual funds, separate accounts, REITs, ETFs, fixed income, and certain alternative investments. Risk of Loss The primary risk involved in financial planning services stems from the possibility that the financial information and assumptions (such as assumptions regarding future market behavior) used in connection with developing the financial plan are or will prove to be inaccurate, which could result in the implementation of the plan in a manner so that the client’s investment goals and financial needs will not be met. Furthermore, even if the financial plan is itself appropriate, the plan may not be implemented appropriately. As discussed, investing in securities involves the risk of loss that clients should be prepared to bear. The types of risk vary depending on the type of securities and investment advisory programs in which a 12  client may participate. The following is a list of key risks that one may be exposed to depending on their particular investments, with definitions as provided by the Financial Industry Regulatory Authority, Inc. (FINRA). Market Risk – Due to the volatile nature of a market-based system, securities cannot guarantee the safety of principal invested or a certain rate of return. Past performance is no guarantee of future results. Capitalization Risk - Equities, i.e., stocks, and equity-based funds may also involve an issuing company “capitalization risk” as the common shares of small or mid-capitalized companies are generally more vulnerable to adverse business or economic conditions than larger companies having more available resources. Interest-rate risk describes the risk that the value of a security will go down because of changes in interest rates. For example, when interest rates overall increase, bond issuers must offer higher coupon rates on new bonds in order to attract investors. The consequence is that the prices of existing bonds drop because investors prefer the newer bonds paying the higher rate. On the other hand, there's also interest-rate risk when rates fall because maturing bonds or bonds that are paid off before maturity must be reinvested at a lower yield. Inflation risk describes the risk that increases in the prices of goods and services, and therefore the cost of living, reduce your purchasing power. Let's say a can of soda increases from $1 to $2. In the past, $2 would have bought two cans of soda, but now $2 can buy only one can, resulting in a decline in the value of your money. Inflation risk and interest rate risk are closely tied, as interest rates generally rise with inflation. Because of this, inflation risk can also reduce the value of your investments. For example, to keep pace with inflation and compensate for the loss of purchasing power, lenders will demand increased interest rates. This can lead to existing bonds losing value because, as mentioned above, newly issued bonds will offer higher interest rates. Inflation can go in cycles, however. When interest rates are low, new bonds will likely offer lower interest rates. Currency risk occurs because many world currencies float against each other. If money needs to be converted to a different currency to make an investment, any change in the exchange rate between that currency and yours can increase or reduce your investment return. You are usually only impacted by currency risk if you invest in international securities or funds that invest in international securities. For example, assume that the current exchange rate of the U.S. dollar to British pound is $1 = 0.53 British pounds. If you invest $1,000 in a mutual fund that invests in the stock of British companies, this will equal 530 pounds ($1,000 x 0.53 pounds = 530 pounds). Six months later, assume the dollar strengthens and the exchange rate becomes $1=0.65 pounds. If the value of the fund does not change, converting the original investment of 530 pounds into dollars will return only $815 (530 pounds/0.65 pounds = $815). Consequently, while the value of the mutual fund has not changed in the local currency, a change in the exchange rate has devalued the original investment of $1,000 into 13  $815. On the other hand, if the dollar were to weaken, the value of the investment would go up. So if the exchange rate changes to $1 = 0.43 pounds, the original investment of $1,000 would increase to $1,233 (530 pounds/0.43 pounds = $1,233). As with most risks, currency risk can be managed to a certain extent by allocating only a limited portion of your portfolio to international investments and diversifying this portion across various countries and regions. Liquidity risk is the risk that you might not be able to buy or sell investments quickly for a price that is close to the true underlying value of the asset. Sometimes you may not be able to sell the investment at all if there are no buyers for it. Liquidity risk is usually higher in over-the-counter markets and small- capitalization stocks. Foreign investments can pose liquidity risks as well. The size of foreign markets, the number of companies listed, and hours of trading may limit your ability to buy or sell a foreign investment. Sociopolitical risk is the possibility that instability or unrest in one or more regions of the world will affect investment markets. Terrorist attacks, war, and pandemics are just examples of events, whether actual or anticipated, that impact investor attitudes toward the market in general and result in system- wide fluctuations in stock prices. Some events, such as the September 11, 2001, attacks on the World Trade Center and the Pentagon, can lead to wide-scale disruptions of financial markets, further exposing investments to risks. Similarly, if you are investing overseas, problems there may undermine those markets, or a new government in a particular country may restrict investment by non-citizens or nationalize businesses. Management risk, also known as company risk, refers to the impact that bad management decisions, other internal missteps, or even external situations can have on a company's performance and, as a consequence, on the value of investments in that company. Even if you research a company carefully before investing and it appears to have solid management, there is probably no way to know that a competitor is about to bring a superior product to market. Nor is it easy to anticipate a financial or personal scandal that undermines a company's image, its stock price, or the rating of its bonds. Credit risk, also called default risk, is the possibility that a bond issuer won't pay interest as scheduled or repay the principal at maturity. Credit risk may also be a problem with insurance companies that sell annuity contracts, where your ability to collect the interest and income you expect is dependent on the claims-paying ability of the issuing insurance company. Item 9: Disciplinary Information Legal and Disciplinary Registered Investment advisors are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of rebel Financial LLC and the integrity of our management of your assets. We have no information that applies to this item. 14  Criminal or Civil Action Registered Investment advisors are required to disclose all material facts regarding any criminal or civil actions that would be material to your evaluation of rebel Financial LLC and the integrity of our management of your assets. We have no information that applies to this item. Administrative Proceeding Registered Investment advisors are required to disclose all material facts regarding any administrative proceeding that would be material to your evaluation of rebel Financial LLC and the integrity of our management of your assets. We have no information that applies to this item. Self-Regulatory Proceeding Registered Investment advisors are required to disclose all material facts regarding any self- regulatory proceedings that would be material to your evaluation of rebel Financial LCC and the integrity of our management of your assets. We have no information that applies to this item. Item 10: Other Financial Industry Activities and Affiliations Broker-dealer or Registered Representative rebel Financial LLC and our staff are not affiliated with a broker dealer or are registered representatives of a broker dealer. Futures Commission Merchant, Commodity Pool Operator, Commodity Trading Adviser or Associated Person rebel Financial LLC and our staff are not affiliated with a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Adviser. Material Relationships or Arrangements with Financial Industry rebel Financial LLC also offers tax preparation and accounting services to clients as a stand-alone service. rebel Financial LLC always acts in the best interest of the client and clients always have the right to decide whether or not to utilize the services of any rebel Financial LLC representative in such individuals outside capacities. Recommend or Select Other Investment Advisers rebel Financial LLC may recommend or select other investment advisors for our clients. This may occur to meet the objectives of specific clients to provide additional investment services of an advisor that has expertise that is not available at rebel. When this occurs, clients may need to sign paperwork for the investment advisor that serves as a subadvisor for rebel Financial. 15  Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics rebel Financial LLC has adopted a Code of Ethics. Our Officers and staff members are required to provide us with a written acknowledgement regarding the Code of Ethics. The Code of Ethics covers the following areas: 1. Definition of Terms 2. Standard of Conduct & Statement of General Fiduciary Principles 3. Protecting Inside Information 4. Restrictions on Personal Investing 5. Reporting Personal Securities Transactions and Accounts 6. Monitoring Personal Securities Transactions 7. Administration of the Code of Ethics and Violations 8. Acknowledgement of Code of Ethics rebel Financial will provide a copy of the Code of Ethics to clients and prospective clients upon request. To obtain a copy contact Phil Ratcliff at (614) 441- 9605 or by e-mail at support@rebelfinancial.com. Recommend Securities with Material Financial Interest rebel Financial LLC and its investment advisor representatives do not have any material financial interest in any public companies. Invest in Same Securities Recommended to Clients All related persons and affiliates of rebel Financial may not purchase or sell securities ahead of our clients. Unless there is a meaningful and favorable change in the price of a security, or an extenuating circumstance, our portfolio managers will not make any further purchases or sales that day after a related person or affiliate. This policy is a minimum for securities with limited marketability. For securities with limited marketability, related persons and affiliates may not purchase or sell until the portfolio manager agrees that he or she has substantially completed the purchase/or sale for clients. The purchase or sale program may extend over a number of days. This requirement does not apply to mutual fund purchases or sales except for mutual funds. As a general rule, in a situation where an investment conflict of interest occurs between a client and one of our associates, the conflict of interest will be resolved in the best interests of the client. Personal Trading Policies rebel Financial has a formal a Personal Securities Trading Policy. As part of this policy we require that our employees and affiliated persons submit all personal trading requests to the firm portfolio managers for approval prior to placing our personal transactions. Employees submit their personal securities transaction report quarterly to the compliance officer. 16  Item 12: Brokerage Practices Selecting Brokerage Firms You are free to select any broker dealer for your brokerage account. While you may select your broker dealer, rebel Financial suggests that our clients use TD Ameritrade Institutional (A division of TD Ameritrade Inc. Member FINRA/SIPC/NFA), Charles Schwab & Co., Inc (“Schwab), or Interactive Brokers for personal (non-qualified and individual retirement) accounts, TIAA CREF or Fidelity for university retirement accounts as your broker dealer and custodian for execution of transactions. You will be provided the commission schedules for these broker dealers at the time accounts are established so you can make a decision based on your needs and review of transaction costs and other fees charged. rebel Financial has direct on-line server access to accounts maintained at these broker dealers, as well as straight through order entry. rebel Financial is not affiliated with the above listed broker dealers and receives no economic benefit for recommending client establish accounts with these firms. In some cases where clients chose a specific broker dealer other than those mentioned above, this could cost you the client more money. You the client may pay higher brokerage commissions or transactions costs charged by that broker dealer. Research and Soft Dollars rebel Financial may receive non-cash compensation from investment companies, custodians, and third party vendors. Such compensation may include such items as gifts of nominal value, an occasional dinner or ticket to a sporting event, or reimbursement in connection with educational meetings or marketing or advertising initiatives. Such sponsors may also pay for education or training events that may be attended by rebel Financials’ employees. Brokerage for Client Referrals rebel Financial LLC does not engage in the practice of directing brokerage trades to outside broker dealers for client referrals. Directed Brokerage In almost every case, we direct trades based on each client’s direction. Typically, our trades are placed directly with the client’s custodian. On occasion a trade may be done with one broker dealer and settled with the client’s account at another broker dealer as part of a COD transaction. This is always done per the client’s instruction. Order Aggregation Most transactions for each client account are entered on a transaction-by-transaction basis. If we decide to purchase or sell the same securities for several clients at approximately the same time, we might combine (otherwise known as aggregating or batching transactions) for these orders. The broker dealer conducting the trade does this through the use of an average price account. By aggregating orders of the same securities, the broker dealer may be able to obtain a better overall execution price. In addition, you may receive lower transaction costs that might or might not have been obtained had 17  multiple orders been placed independently. When aggregating trades in the average price account the brokerage firm generally averages the price and charges one commission per client per security. We receive no additional compensation, fees or remuneration from the aggregation of client trades in an average price account. Item 13: Review of Accounts Periodic Reviews The portfolio manager reviews each portfolio at least quarterly. Review Triggers When securities held by clients are to be sold, accounts are reviewed immediately; either prior to or after the security is sold. When any security is bought for clients, accounts are reviewed immediately; either prior to or just after the security is purchased. One of the firm's portfolio managers reviews each portfolio at least quarterly. Regular Reports The broker dealer handling your account or custodian sends client account statements at least quarterly, and in some circumstances monthly. In some cases, account statement may be provided to you electronically by the custodian. These account statements show money balances, securities held in the account, investment values and transactions made. rebel Financial may also send out monthly reports that include other information such as performance of your investments. Item 14: Client Referrals and Other Compensation Economic Benefits For the benefit we receive from other broker dealers see the “Brokerage Practices” section above. Third Party Solicitors rebel Financial LLC has retained Paladin Advisors/Wiseradvisor and Ramsey Solutions as third parties to act as solicitors/promoters for rebel Financial LLC’s investment management services. Compensation with respect to the foregoing will be fully disclosed to each client referred by Paladin Advisors/Wiseradvisor and/or Ramsey Solutions . All such referral activities will be conducted in accordance with the Advisers Act, where applicable. rebel Financial LLC also has a bonus system for advisors and employees who help generate new business. 18  Item 15: Custody Account Statements We do not take custody of your funds and securities. Because of this, rebel Financial LLC does not accept securities or forward securities to your brokerage firm or custodian. The only checks payable to rebel Financial LCC that we are permitted to accept are those payable for Advisory fees. You will not give us authority to withdraw securities or funds (other than for payment of advisory fees) from your account. rebel Financial LLC is deemed to have custody due to its ability to deduct management fees in accordance with the advisory agreement but does not otherwise have any access to client assets. In February 2017, the SEC issued a no-action letter clarifying that standing authority (also known as a standing letter of authorization or “SLOA”) to move money from a client’s account to a third party account is “custody” within the meaning of Investment Advisers Act Rule 206(4) -4 (the “Custody Rule”). The SEC also stated that any accounts that meet the following seven conditions (the SEC refers to them as “representations”) will not be subject to the “independent verification” requirement under Rule 206(4)-2(a)(4), also known as the annual surprise accountant’s examination. As such, our firm has adopted the following seven safeguards in conjunction with our custodians: 1. 2. 3. 4. 5. 6. 7. The client provides an instruction to the qualified custodian, in writing, that includes the client’s signature, the third party’s name, and either the third party’s address or the third party’s account number at a custodian to which the transfer should be directed. The client authorizes the investment adviser, in writing, either on the qualified custodian’s form or separately, to direct transfers to the third party either on a specified schedule or from time to time. The client’s qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the client’s authorization, and provides a transfer of funds notice to the client promptly after each transfer. The client has the ability to terminate or change the instruction to the client’s qualified custodian. The investment adviser has no authority or ability to designate or change the identity of the third party, the address, or any other information about the third party contained in the client’s instruction. The investment adviser maintains records showing that the third party is not a related party of the investment adviser or located at the same address as the investment adviser. The client’s qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction The broker dealer or custodian handling your account sends to you account statements at least quarterly, but usually monthly. These Account statements show money balances, securities held in the account, investment values and transactions made. We encourage you to read your statements. 19  Item 16: Investment Discretion Discretionary Authority for Trading Most clients give rebel Financial LLC discretion over the selection, amount and timing of securities to be bought and sold. This means that the portfolio manager or advisor representative may purchase or sell securities consistent with your investment objectives without contacting you prior to entering the transaction. Limited Power of Attorney Investment authority may be subject to specific investment objectives and guidelines and/or conditions imposed by you. For example, you may specify that the investment in any particular stock or industry should not exceed specified percentages of the value of your portfolio or you may have restriction or prohibitions on transactions in the securities of a specific company or industry such as tobacco stocks. Please detail any such specifications or exceptions in writing prior to engaging our services. Item 17: Voting Client Securities Proxy Voting rebel Financial LLC will accept voting authority for client securities in certain cases. When rebel Financial does accept voting authority for client securities, it will always seek to vote in the best interests of its clients. Clients may direct us on how to vote client securities by communicating their wishes in writing or electronically to rebel Financial. When voting client proxies the firm will always hold the interests of the clients above its own interests. Clients of rebel Financial may obtain the voting record of how we voted on client securities by contacting the firm at phone number or e-mail address listed on the cover page of this brochure. Clients may obtain a copy of the rebel Financial proxy voting policies and procedures upon request. Where rebel Financial does not have voting authority, clients will receive proxies and proxy information or other solicitations about your securities from the account custodian. If you have questions about a particular solicitation, you can contact your representative for advice. You are not obligated to follow your representative’s advice on voting your securities. 20  Item 18: Financial Information Prepayment of Fees Fees for your investment advisor services are charged monthly in advance based upon the net worth or value of assets managed as determined by the client's custodian or other pricing services at the end of each calendar month. We do not require more than one month of pre-paid fees. Financial Condition Neither rebel Financial LLC nor its management has any financial condition that is likely to reasonably impair rebel Financial LLC’s ability to meet contractual commitments to clients. Bankruptcy rebel Financial LLC has not been subject to a bankruptcy proceeding. Item 19: Requirements for State- Registered Advisers Identify Principal Executive Officers and Management Person The Principal Executive Officer is William “Phil” Ratcliff. The primary Management Person is William “Phil” Ratcliff. See Form ADV Part 2B Supplement. Describe Business Other Than Investment Advice rebel Financial LLC also offers tax preparation and accounting services to clients as a stand-alone service. rebel Financial LLC always acts in the best interest of the client and clients always have the right to decide whether or not to utilize the services of any rebel Financial LLC representative in such individuals outside capacities. Describe How Supervised Persons are compensated with performance-based fees There is no compensation with performance-based fees. Describe if a Management Person has been subject to a Disciplinary Event The rebel Financial LLC Management Persons have not been subject to a disciplinary event. Describe any Relationship with an Issuer of Securities rebel Financial LLC has no relationships with issuers of securities. 21 

Firm Brochure (Form ADV, Part 2A) rebel Financial LLC 5940 Clyde Moore Dr, Suite C Groveport, OH 43125 Phone: (614) 441-9605 Fax: (614) 441-4150 Website: hLps://rebelfinancial.com Item 1: Cover Page This brochure provides informa3on about the qualifica3on and business prac3ces of rebel Financial LLC. If you have any ques3ons about the contents of this brochure, please contact us at (614) 441-9605, or by email at support@rebelfinancial.com. The informa3on in this brochure has not been approved or verified by the United States Securi3es and Exchange Commission, or by any state securi3es authority. Addi3onal informa3on about rebel Financial LLC is available on the SEC’s website at www.adviserinfo.sec.gov. March 15, 2025  Item 2: Material Changes Annual Update rebel Financial LLC is providing this informa3on as part of our annual upda3ng amendment which will contain material changes from our last annual update. Material Changes since the Last Update The Securi3es and Exchange Commission adopted amendments to Part 2 of Form ADV effec3ve October 2010. The newly revised Part 2 consists of Part 2A (the “Brochure”) and Part 2B (the “Brochure Supplement”). Each update of the Brochure must now include a summary of all material changes since the last annual update dated March 15, 2024. These changes are noted below: This brochure dated March 15, 2025 replaces the previously published brochure dated March 15, 2024. Full Brochure Availability The Firm Brochure for rebel Financial LLC is available on our website: h\ps://rebelfinancial.com or by contac3ng W. Phil Ratcliff at (614) 441-9605 or by e-mail at support@rebelfinancial.com. In 2025, all new clients are being provided a full copy of our brochure. 2  Item 3: Table of Contents Table of Contents Item 1: Cover Page .................................................................................................................. 1 Item 2: Material Changes ........................................................................................................ 2 Annual Update ................................................................................................................................. 2 Material Changes since the Last Update ........................................................................................... 2 Full Brochure Availability ................................................................................................................. 2 Item 3: Table of Contents ........................................................................................................ 3 Item 4: Advisory Business ........................................................................................................ 6 Firm Descrip?on .............................................................................................................................. 6 Principal Owners .............................................................................................................................. 6 Types of Advisory Services ............................................................................................................... 6 Tailored Rela?onships ...................................................................................................................... 7 Wrap Fee Programs .......................................................................................................................... 7 Client Assets .................................................................................................................................... 7 Item 5: Fees and CompensaEon ............................................................................................... 7 Descrip?on ...................................................................................................................................... 7 Fee Billing ........................................................................................................................................ 7 Other Fees ..................................................................................................................................... 10 Fees Paid in Advance ...................................................................................................................... 10 Addi?onal Compensa?on .............................................................................................................. 11 Item 6: Performance-Based Fees & Side- by-Side Management ............................................. 11 Sharing of Capital Gains or Capital Apprecia?on ............................................................................ 11 Item 7: Types of Clients ......................................................................................................... 11 Descrip?on .................................................................................................................................... 11 Account Minimums ........................................................................................................................ 11 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ..................................... 12 Methods of Analysis ...................................................................................................................... 12 Investment Strategies .................................................................................................................... 12 Risk of Loss .................................................................................................................................... 12 3  Item 9: Disciplinary InformaEon ............................................................................................ 14 Legal and Disciplinary .................................................................................................................... 14 Criminal or Civil Ac?on .................................................................................................................. 15 Administra?ve Proceeding ............................................................................................................. 15 Self-Regulatory Proceeding ............................................................................................................ 15 Item 10: Other Financial Industry AcEviEes and AffiliaEons ................................................... 15 Broker-dealer or Registered Representa?ve ................................................................................... 15 Futures Commission Merchant, Commodity Pool Operator, Commodity Trading Adviser or Associated Person .......................................................................................................................... 15 Material Rela?onships or Arrangements with Financial Industry .................................................... 15 Recommend or Select Other Investment Advisers .......................................................................... 15 Item 11: Code of Ethics, ParEcipaEon or Interest in Client TransacEons and Personal Trading 16 Code of Ethics ................................................................................................................................ 16 Recommend Securi?es with Material Financial Interest ................................................................. 16 Invest in Same Securi?es Recommended to Clients ........................................................................ 16 Personal Trading Policies ................................................................................................................ 16 Item 12: Brokerage PracEces ................................................................................................. 17 Selec?ng Brokerage Firms .............................................................................................................. 17 Research and SoT Dollars .............................................................................................................. 17 Brokerage for Client Referrals ........................................................................................................ 17 Directed Brokerage ........................................................................................................................ 17 Order Aggrega?on ......................................................................................................................... 17 Item 13: Review of Accounts ................................................................................................. 18 Periodic Reviews ............................................................................................................................ 18 Review Triggers .............................................................................................................................. 18 Regular Reports ............................................................................................................................. 18 Item 14: Client Referrals and Other CompensaEon ................................................................ 18 Economic Benefits ......................................................................................................................... 18 Third Party Solicitors ...................................................................................................................... 18 Item 15: Custody ................................................................................................................... 19 Account Statements ....................................................................................................................... 19 Item 16: Investment DiscreEon .............................................................................................. 20 Discre?onary Authority for Trading ................................................................................................ 20 4  Limited Power of AXorney ............................................................................................................. 20 Item 17: VoEng Client SecuriEes ............................................................................................ 20 Proxy Vo?ng .................................................................................................................................. 20 Item 18: Financial InformaEon .............................................................................................. 21 Prepayment of Fees ....................................................................................................................... 21 Financial Condi?on ........................................................................................................................ 21 Bankruptcy .................................................................................................................................... 21 Item 19: Requirements for State- Registered Advisers ........................................................... 21 Iden?fy Principal Execu?ve Officers and Management Person ....................................................... 21 Describe Business Other Than Investment Advice .......................................................................... 21 Describe How Supervised Persons are compensated with performance-based fees ....................... 21 Describe if a Management Person has been subject to a Disciplinary Event .................................... 21 Describe any Rela?onship with an Issuer of Securi?es ................................................................... 21 5  Item 4: Advisory Business Firm Descrip=on rebel Financial LLC is an investment advisor registered with the State of Ohio. We specialize in customized porbolio management for individual investors, high net worth investors, pension/profit sharing plans and corpora3ons. rebel Financial LLC is a full service financial advisory firm. We offer fee-based advice, investment management, and insurance solu3ons through a comprehensive financial planning process. Principal Owners William “Phil” Ratcliff founded rebel Financial on May 31, 2013 and is the sole owner. Types of Advisory Services The primary service offered by rebel Financial LLC is Investment Advice. We provide Comprehensive Financial Planning (Fee for planning), Investment Management, Re3rement Planning, Business Planning, Estate Planning, Goal-Based Planning, and miscellaneous fee based Financial Consul3ng Services. We offer investment management services at various levels. a) On-going advice: Simple rebel - h\p://simplerebel.com/ eRebel - h\p://erebeladvisor.com/ Silver rebel - h\p://silver.rebelfinancial.com/ i) ii) iii) iv) Gold rebel - h\p://gold.rebelfinancial.com/ b) Financial tools without in person advice: rFreemium and rFreemium+ - h\ps://rebelfinancial.com/freemium-rebel-financial/ c) 401k/Pension/NQ Employer Sponsored Plans d) Tax Prepara3on • rebel Financial offers tax prepara1on services through in house staff and third party Cer1fied Public Accountants on a referral basis. e) Bookkeeping Services • rebel Financial offers bookkeeping services for its business clients, for an addi3onal fee, using Quickbooks Online. f) Payroll Services • rebel Financial offers three levels of payroll services (Lite, Full-Service, & HR Suite) for its business clients, for an addi3onal fee, using Gusto and BambooHR. 6  Tailored Rela=onships rebel Financial LLC will work with clients to make customized porbolios and provide advice for special situa3ons and needs. Wrap Fee Programs rebel Financial LLC does not offer wrap fee programs. Client Assets As of December 31, 2024, rebel Financial LLC had $303,997,042 of assets under management that are managed on a discre3onary basis and had $9,983.799 of assets under management that are managed on a non-discre3onary basis. Item 5: Fees and CompensaAon Descrip=on As of October 2022, rebel Financial LLC offers management fees based on the client’s net-worth versus assets under management. Our assets under management fee structure remains in effect for exis3ng clients. New clients’ fees will be based on their net worth and are calculated as a percentage of net worth under management per the fee schedules below. Grandfathered assets under management (AUM) fees are based on the value of assets managed and fees are calculated as a percentage of assets under management. We reserve the right to nego3ate fees for special situa3ons. Fee Billing Fees to rebel Financial are based on the custodian chosen and the service selected. Simple rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each 3er of net worth value. The minimum monthly fee is $75.00. Net Worth Management: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Over $1,000,000 0.725% 0.35% Converted to eRebel or higher 7  Simple rebel Investment Advisory Services (AUM-based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). eRebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each 3er of net worth value. The minimum monthly fee is $150.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Over $2,000,000 0.80% 0.40% 0.275% Converted to Silver or higher eRebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract. Silver rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each 3er of net worth value. The minimum monthly fee is $208.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Next $2,000,001 - $3,000,000 Next $3,000,001 - $4,000,000 Next $4,000,000+ 1.00% 0.50% 0.35% 0.275% 0.25% 0.165% 8  Silver rebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). Gold rebel Investment Advisory Services (Net Worth based) The Advisory monthly Net Worth Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each 3er of net worth value. The minimum monthly fee is $292.00. Net Worth Fee: Net Worth Value Preferred Custodian Fee First $0 - $500,000 Next $500,001 - $1,000,000 Next $1,000,001 - $2,000,000 Next $2,000,001 - $3,000,000 Next $3,000,001 - $4,000,000 Next $4,000,000+ 1.10% 0.60% 0.45% 0.35% 0.30% 0.225% Gold rebel Investment Advisory Services (AUM based) Assets Under Management (AUM) fee schedules for this investment service is not available to new clients of rebel Financial. Some older clients are "Grandfathered" into their old AUM fee schedule as noted in their investment management contract(s). rFreemium+ Fee Schedule (AUM based) The Advisory monthly AUM Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule for each 3er of net worth value. The minimum monthly fee is $0.00. AUM Value Preferred Custodian Fee 1.000% 0.500% 0.350% 0.250% First $0 - $99,999.99 Next $100,000 - $999,999.99 Over $1,000,000 Addi3onal fee for rFjord noncompliance+ 9  Re3rement Plan Investment Management Services The monthly Assets Under Management (AUM) Fee is based off the following schedule at a rate of 1/12th the annual fee shown in the schedule. Amount Under Management: rebel Financial 401k & Pension Fee Schedule $0.00-$999,999.99 $1,000,000.00-$1,999,999.99 $2,000,000.00-$9,999,999.99 $10,000,000.00 + Bronze 0.25% 0.20% 0.10% 0.05% Silver 0.40% 0.30% 0.15% 0.10% Gold 0.50% 0.40% 0.20% 0.15% Pontera Services We use Pontera to facilitate management of client assets that are held away from our custodians. The plaborm allows us to avoid being considered to have custody of client funds since we do not have direct access to client log in creden3als. We are not affiliated with the plaborm in any way and receive no compensa3on for using the Pontera plaborm. Pontera is used for discre3onary management, where rebel Financial LLC, when deemed necessary, will rebalance the account(s) considering the client’s investment goals, risk tolerance, and current economic and market trends. There is an addi3onal 0.25% fee when clients choose to u3lize the Pontera services. Other Fees Our management fees are separate from charges assessed by third par3es such as broker dealers, custodians and mutual fund companies. Brokerage and other transac3on costs charged by broker dealers execu3ng transac3ons and custodians maintaining your assets are in addi3on to the management fees and are not nego3able. Mutual funds, variable annui3es and or other plaborms charge may asses other fees and expenses such as 12B-1 fees or commissions in connec3on with the placement of your funds. Fees Paid in Advance Our Net Worth and Asset Under Management (AUM) fees are charged monthly (1/12 of annual fee) in advance based upon the month end value of your account. In addi3on, some advisory programs also charge a fixed rate monthly fee depending on level of Assets Under Management (AUM). Fees may be deducted from your investment account(s) or clients may be invoiced for services. Depending on the type and level of services will dictate the ability for invoices and is selected in the fee addendum of the client agreement. This Agreement may be terminated by either party at any 3me upon wri\en no3ce. In the event of such termina3on, Client shall not be en3tled to a prorata refund and shall receive con3nua3on of service, rFPW access, document storage, and assistance with account transfer service un3l the end of the current month. 10  Monthly Fixed fees for the Simple rebel, eRebel, Silver rebel and Gold rebel are not refund once charged as stated in the Investment Management Agreement. Your death will not terminate the Investment Management Agreement or authority granted to rebel Financial LLC un3l we have received actual wri\en no3fica3on of termina3on of our service(s) by your estate representa3ve and/or all accounts managed by rF are closed and/or transferred whichever occurs later. Addi=onal Compensa=on Neither rebel Financial LLC nor its supervised persons accept any compensa3on for the sale of securi3es or other investment products, including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance-Based Fees & Side- by- Side Management Sharing of Capital Gains or Capital Apprecia=on We do not currently have any performance based fee accounts – performance fees are fees based on a share of the capital gains or apprecia3on of the assets of the client. Item 7: Types of Clients Descrip=on We specialize in customized porbolio management and providing investment advice for individual investors, high net worth investors, pension/profit sharing plans and corpora3ons. Account Minimums There are no account minimums. 11  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis rebel Financial will employ both technical and fundamental analysis to our research and investment management; focusing primarily on fundamental analysis and u3liza3on of modern porbolio theory (MPT). Investment Strategies Inves3ng in securi3es involves the risk of loss that clients should be prepared to bear. Understanding the type of risk(s) exposure involved in securi3es and investment advisory services, as well as one’s own tolerance for risk is a key component of the investment decision making process. Depending on a client’s par3cular situa3on, needs and expecta3ons, there are various methods of analysis and investment strategies that Financial Professionals may use when developing a financial plan, formula3ng investment advice, or managing assets. The principal source of informa3on used by rebel Financial to prepare financial plans is the informa3on provided by clients, including personal data, assets and liabili3es, income expecta3ons, assumed rate of infla3on and return on assets, long term and short term financial goals, risk tolerance and other relevant data. The staff may use services and subscrip3ons to review current federal laws on income, estate and giu taxes, regula3ons and rulings, in addi3on to financial planning publica3ons and other research material such as the Wall Street Journal and federal websites such as the IRS. We may also use training and marke3ng materials, prospectuses and annual reports for the securi3es, investment and insurance products distributed by rebel Financial or its affiliates in developing product recommenda3ons. rebel Financial also has access to investment research compiled by Morningstar’s in house research team. Morningstar provides rebel Financial with access to investment research and advice, market and economic commentary, performance repor3ng and recommenda3ons, and porbolio management tools and services, that cover topics including mutual funds, separate accounts, REITs, ETFs, fixed income, and certain alterna3ve investments. Risk of Loss The primary risk involved in financial planning services stems from the possibility that the financial informa3on and assump3ons (such as assump3ons regarding future market behavior) used in connec3on with developing the financial plan are or will prove to be inaccurate, which could result in the implementa3on of the plan in a manner so that the client’s investment goals and financial needs will not be met. Furthermore, even if the financial plan is itself appropriate, the plan may not be implemented appropriately. As discussed, inves3ng in securi3es involves the risk of loss that clients should be prepared to bear. The types of risk vary depending on the type of securi3es and investment advisory programs in which a 12  client may par3cipate. The following is a list of key risks that one may be exposed to depending on their par3cular investments, with defini3ons as provided by the Financial Industry Regulatory Authority, Inc. (FINRA). Market Risk – Due to the vola3le nature of a market-based system, securi3es cannot guarantee the safety of principal invested or a certain rate of return. Past performance is no guarantee of future results. Capitaliza/on Risk - Equi3es, i.e., stocks, and equity-based funds may also involve an issuing company “capitaliza3on risk” as the common shares of small or mid-capitalized companies are generally more vulnerable to adverse business or economic condi3ons than larger companies having more available resources. Interest-rate risk describes the risk that the value of a security will go down because of changes in interest rates. For example, when interest rates overall increase, bond issuers must offer higher coupon rates on new bonds in order to a\ract investors. The consequence is that the prices of exis3ng bonds drop because investors prefer the newer bonds paying the higher rate. On the other hand, there's also interest-rate risk when rates fall because maturing bonds or bonds that are paid off before maturity must be reinvested at a lower yield. Infla3on risk describes the risk that increases in the prices of goods and services, and therefore the cost of living, reduce your purchasing power. Let's say a can of soda increases from $1 to $2. In the past, $2 would have bought two cans of soda, but now $2 can buy only one can, resul3ng in a decline in the value of your money. Infla/on risk and interest rate risk are closely 3ed, as interest rates generally rise with infla3on. Because of this, infla3on risk can also reduce the value of your investments. For example, to keep pace with infla3on and compensate for the loss of purchasing power, lenders will demand increased interest rates. This can lead to exis3ng bonds losing value because, as men3oned above, newly issued bonds will offer higher interest rates. Infla3on can go in cycles, however. When interest rates are low, new bonds will likely offer lower interest rates. Currency risk occurs because many world currencies float against each other. If money needs to be converted to a different currency to make an investment, any change in the exchange rate between that currency and yours can increase or reduce your investment return. You are usually only impacted by currency risk if you invest in interna3onal securi3es or funds that invest in interna3onal securi3es. For example, assume that the current exchange rate of the U.S. dollar to Bri3sh pound is $1 = 0.53 Bri3sh pounds. If you invest $1,000 in a mutual fund that invests in the stock of Bri3sh companies, this will equal 530 pounds ($1,000 x 0.53 pounds = 530 pounds). Six months later, assume the dollar strengthens and the exchange rate becomes $1=0.65 pounds. If the value of the fund does not change, conver3ng the original investment of 530 pounds into dollars will return only $815 (530 pounds/0.65 pounds = $815). Consequently, while the value of the mutual fund has not changed in the local currency, a change in the exchange rate has devalued the original investment of $1,000 into 13  $815. On the other hand, if the dollar were to weaken, the value of the investment would go up. So if the exchange rate changes to $1 = 0.43 pounds, the original investment of $1,000 would increase to $1,233 (530 pounds/0.43 pounds = $1,233). As with most risks, currency risk can be managed to a certain extent by alloca3ng only a limited por3on of your porbolio to interna3onal investments and diversifying this por3on across various countries and regions. Liquidity risk is the risk that you might not be able to buy or sell investments quickly for a price that is close to the true underlying value of the asset. Some3mes you may not be able to sell the investment at all if there are no buyers for it. Liquidity risk is usually higher in over-the-counter markets and small- capitaliza3on stocks. Foreign investments can pose liquidity risks as well. The size of foreign markets, the number of companies listed, and hours of trading may limit your ability to buy or sell a foreign investment. Sociopoli/cal risk is the possibility that instability or unrest in one or more regions of the world will affect investment markets. Terrorist a\acks, war, and pandemics are just examples of events, whether actual or an3cipated, that impact investor aytudes toward the market in general and result in system- wide fluctua3ons in stock prices. Some events, such as the September 11, 2001, a\acks on the World Trade Center and the Pentagon, can lead to wide-scale disrup3ons of financial markets, further exposing investments to risks. Similarly, if you are inves3ng overseas, problems there may undermine those markets, or a new government in a par3cular country may restrict investment by non-ci3zens or na3onalize businesses. Management risk, also known as company risk, refers to the impact that bad management decisions, other internal missteps, or even external situa3ons can have on a company's performance and, as a consequence, on the value of investments in that company. Even if you research a company carefully before inves3ng and it appears to have solid management, there is probably no way to know that a compe3tor is about to bring a superior product to market. Nor is it easy to an3cipate a financial or personal scandal that undermines a company's image, its stock price, or the ra3ng of its bonds. Credit risk, also called default risk, is the possibility that a bond issuer won't pay interest as scheduled or repay the principal at maturity. Credit risk may also be a problem with insurance companies that sell annuity contracts, where your ability to collect the interest and income you expect is dependent on the claims-paying ability of the issuing insurance company. Item 9: Disciplinary InformaAon Legal and Disciplinary Registered Investment advisors are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evalua3on of rebel Financial LLC and the integrity of our management of your assets. We have no informa3on that applies to this item. 14  Criminal or Civil Ac=on Registered Investment advisors are required to disclose all material facts regarding any criminal or civil ac3ons that would be material to your evalua3on of rebel Financial LLC and the integrity of our management of your assets. We have no informa3on that applies to this item. Administra=ve Proceeding Registered Investment advisors are required to disclose all material facts regarding any administra3ve proceeding that would be material to your evalua3on of rebel Financial LLC and the integrity of our management of your assets. We have no informa3on that applies to this item. Self-Regulatory Proceeding Registered Investment advisors are required to disclose all material facts regarding any self- regulatory proceedings that would be material to your evalua3on of rebel Financial LCC and the integrity of our management of your assets. We have no informa3on that applies to this item. Item 10: Other Financial Industry AcAviAes and AffiliaAons Broker-dealer or Registered Representa=ve rebel Financial LLC and our staff are not affiliated with a broker dealer or are registered representa3ves of a broker dealer. Futures Commission Merchant, Commodity Pool Operator, Commodity Trading Adviser or Associated Person rebel Financial LLC and our staff are not affiliated with a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Adviser. Material Rela=onships or Arrangements with Financial Industry rebel Financial LLC also offers tax prepara3on and accoun3ng services to clients as a stand-alone service. rebel Financial LLC always acts in the best interest of the client and clients always have the right to decide whether or not to u3lize the services of any rebel Financial LLC representa3ve in such individuals outside capaci3es. Recommend or Select Other Investment Advisers rebel Financial LLC may recommend or select other investment advisors for our clients. This may occur to meet the objec3ves of specific clients to provide addi3onal investment services of an advisor that has exper3se that is not available at rebel. When this occurs, clients may need to sign paperwork for the investment advisor that serves as a subadvisor for rebel Financial. 15  Item 11: Code of Ethics, ParAcipaAon or Interest in Client TransacAons and Personal Trading Code of Ethics rebel Financial LLC has adopted a Code of Ethics. Our Officers and staff members are required to provide us with a wri\en acknowledgement regarding the Code of Ethics. The Code of Ethics covers the following areas: 1. Defini3on of Terms 2. Standard of Conduct & Statement of General Fiduciary Principles 3. Protec3ng Inside Informa3on 4. Restric3ons on Personal Inves3ng 5. Repor3ng Personal Securi3es Transac3ons and Accounts 6. Monitoring Personal Securi3es Transac3ons 7. Administra3on of the Code of Ethics and Viola3ons 8. Acknowledgement of Code of Ethics rebel Financial will provide a copy of the Code of Ethics to clients and prospec3ve clients upon request. To obtain a copy contact Phil Ratcliff at (614) 441- 9605 or by e-mail at support@rebelfinancial.com. Recommend Securi=es with Material Financial Interest rebel Financial LLC and its investment advisor representa3ves do not have any material financial interest in any public companies. Invest in Same Securi=es Recommended to Clients All related persons and affiliates of rebel Financial may not purchase or sell securi3es ahead of our clients. Unless there is a meaningful and favorable change in the price of a security, or an extenua3ng circumstance, our porbolio managers will not make any further purchases or sales that day auer a related person or affiliate. This policy is a minimum for securi3es with limited marketability. For securi3es with limited marketability, related persons and affiliates may not purchase or sell un3l the porbolio manager agrees that he or she has substan3ally completed the purchase/or sale for clients. The purchase or sale program may extend over a number of days. This requirement does not apply to mutual fund purchases or sales except for mutual funds. As a general rule, in a situa3on where an investment conflict of interest occurs between a client and one of our associates, the conflict of interest will be resolved in the best interests of the client. Personal Trading Policies rebel Financial has a formal a Personal Securi3es Trading Policy. As part of this policy we require that our employees and affiliated persons submit all personal trading requests to the firm porbolio managers for approval prior to placing our personal transac3ons. Employees submit their personal securi3es transac3on report quarterly to the compliance officer. 16  Item 12: Brokerage PracAces Selec=ng Brokerage Firms You are free to select any broker dealer for your brokerage account. While you may select your broker dealer, rebel Financial suggests that our clients use TD Ameritrade Ins3tu3onal (A division of TD Ameritrade Inc. Member FINRA/SIPC/NFA), Charles Schwab & Co., Inc (“Schwab), or Interac3ve Brokers for personal (non-qualified and individual re3rement) accounts, TIAA CREF or Fidelity for university re3rement accounts as your broker dealer and custodian for execu3on of transac3ons. You will be provided the commission schedules for these broker dealers at the 3me accounts are established so you can make a decision based on your needs and review of transac3on costs and other fees charged. rebel Financial has direct on-line server access to accounts maintained at these broker dealers, as well as straight through order entry. rebel Financial is not affiliated with the above listed broker dealers and receives no economic benefit for recommending client establish accounts with these firms. In some cases where clients chose a specific broker dealer other than those men3oned above, this could cost you the client more money. You the client may pay higher brokerage commissions or transac3ons costs charged by that broker dealer. Research and SoL Dollars rebel Financial may receive non-cash compensa3on from investment companies, custodians, and third party vendors. Such compensa3on may include such items as gius of nominal value, an occasional dinner or 3cket to a spor3ng event, or reimbursement in connec3on with educa3onal mee3ngs or marke3ng or adver3sing ini3a3ves. Such sponsors may also pay for educa3on or training events that may be a\ended by rebel Financials’ employees. Brokerage for Client Referrals rebel Financial LLC does not engage in the prac3ce of direc3ng brokerage trades to outside broker dealers for client referrals. Directed Brokerage In almost every case, we direct trades based on each client’s direc3on. Typically, our trades are placed directly with the client’s custodian. On occasion a trade may be done with one broker dealer and se\led with the client’s account at another broker dealer as part of a COD transac3on. This is always done per the client’s instruc3on. Order Aggrega=on Most transac3ons for each client account are entered on a transac3on-by-transac3on basis. If we decide to purchase or sell the same securi3es for several clients at approximately the same 3me, we might combine (otherwise known as aggrega3ng or batching transac3ons) for these orders. The broker dealer conduc3ng the trade does this through the use of an average price account. By aggrega3ng orders of the same securi3es, the broker dealer may be able to obtain a be\er overall execu3on price. In addi3on, you may receive lower transac3on costs that might or might not have been obtained had 17  mul3ple orders been placed independently. When aggrega3ng trades in the average price account the brokerage firm generally averages the price and charges one commission per client per security. We receive no addi3onal compensa3on, fees or remunera3on from the aggrega3on of client trades in an average price account. Item 13: Review of Accounts Periodic Reviews The porbolio manager reviews each porbolio at least quarterly. Review Triggers When securi3es held by clients are to be sold, accounts are reviewed immediately; either prior to or auer the security is sold. When any security is bought for clients, accounts are reviewed immediately; either prior to or just auer the security is purchased. One of the firm's porbolio managers reviews each porbolio at least quarterly. Regular Reports The broker dealer handling your account or custodian sends client account statements at least quarterly, and in some circumstances monthly. In some cases, account statement may be provided to you electronically by the custodian. These account statements show money balances, securi3es held in the account, investment values and transac3ons made. rebel Financial may also send out monthly reports that include other informa3on such as performance of your investments. Item 14: Client Referrals and Other CompensaAon Economic Benefits For the benefit we receive from other broker dealers see the “Brokerage Prac3ces” sec3on above. Third Party Solicitors rebel Financial LLC has retained Paladin Advisors/Wiseradvisor and Ramsey Solu3ons as third par3es to act as solicitors/promoters for rebel Financial LLC’s investment management services. Compensa3on with respect to the foregoing will be fully disclosed to each client referred by Paladin Advisors/Wiseradvisor and/or Ramsey Solu3ons . All such referral ac3vi3es will be conducted in accordance with the Advisers Act, where applicable. rebel Financial LLC also has a bonus system for advisors and employees who help generate new business. 18  Item 15: Custody Account Statements We do not take custody of your funds and securi3es. Because of this, rebel Financial LLC does not accept securi3es or forward securi3es to your brokerage firm or custodian. The only checks payable to rebel Financial LCC that we are permi\ed to accept are those payable for Advisory fees. You will not give us authority to withdraw securi3es or funds (other than for payment of advisory fees) from your account. rebel Financial LLC is deemed to have custody due to its ability to deduct management fees in accordance with the advisory agreement but does not otherwise have any access to client assets. In February 2017, the SEC issued a no-ac3on le\er clarifying that standing authority (also known as a standing le\er of authoriza3on or “SLOA”) to move money from a client’s account to a third party account is “custody” within the meaning of Investment Advisers Act Rule 206(4) -4 (the “Custody Rule”). The SEC also stated that any accounts that meet the following seven condi3ons (the SEC refers to them as “representa3ons”) will not be subject to the “independent verifica3on” requirement under Rule 206(4)-2(a)(4), also known as the annual surprise accountant’s examina3on. As such, our firm has adopted the following seven safeguards in conjunc3on with our custodians: 1. 2. 3. 4. 5. 6. 7. The client provides an instruc3on to the qualified custodian, in wri3ng, that includes the client’s signature, the third party’s name, and either the third party’s address or the third party’s account number at a custodian to which the transfer should be directed. The client authorizes the investment adviser, in wri3ng, either on the qualified custodian’s form or separately, to direct transfers to the third party either on a specified schedule or from 3me to 3me. The client’s qualified custodian performs appropriate verifica3on of the instruc3on, such as a signature review or other method to verify the client’s authoriza3on, and provides a transfer of funds no3ce to the client promptly auer each transfer. The client has the ability to terminate or change the instruc3on to the client’s qualified custodian. The investment adviser has no authority or ability to designate or change the iden3ty of the third party, the address, or any other informa3on about the third party contained in the client’s instruc3on. The investment adviser maintains records showing that the third party is not a related party of the investment adviser or located at the same address as the investment adviser. The client’s qualified custodian sends the client, in wri3ng, an ini3al no3ce confirming the instruc3on and an annual no3ce reconfirming the instruc3on The broker dealer or custodian handling your account sends to you account statements at least quarterly, but usually monthly. These Account statements show money balances, securi3es held in the account, investment values and transac3ons made. We encourage you to read your statements. 19  Item 16: Investment DiscreAon Discre=onary Authority for Trading Most clients give rebel Financial LLC discre3on over the selec3on, amount and 3ming of securi3es to be bought and sold. This means that the porbolio manager or advisor representa3ve may purchase or sell securi3es consistent with your investment objec3ves without contac3ng you prior to entering the transac3on. Limited Power of ANorney Investment authority may be subject to specific investment objec3ves and guidelines and/or condi3ons imposed by you. For example, you may specify that the investment in any par3cular stock or industry should not exceed specified percentages of the value of your porbolio or you may have restric3on or prohibi3ons on transac3ons in the securi3es of a specific company or industry such as tobacco stocks. Please detail any such specifica3ons or excep3ons in wri3ng prior to engaging our services. Item 17: VoAng Client SecuriAes Proxy Vo=ng rebel Financial LLC will accept vo3ng authority for client securi3es in certain cases. When rebel Financial does accept vo3ng authority for client securi3es, it will always seek to vote in the best interests of its clients. Clients may direct us on how to vote client securi3es by communica3ng their wishes in wri3ng or electronically to rebel Financial. When vo3ng client proxies the firm will always hold the interests of the clients above its own interests. Clients of rebel Financial may obtain the vo3ng record of how we voted on client securi3es by contac3ng the firm at phone number or e-mail address listed on the cover page of this brochure. Clients may obtain a copy of the rebel Financial proxy vo3ng policies and procedures upon request. Where rebel Financial does not have vo3ng authority, clients will receive proxies and proxy informa3on or other solicita3ons about your securi3es from the account custodian. If you have ques3ons about a par3cular solicita3on, you can contact your representa3ve for advice. You are not obligated to follow your representa3ve’s advice on vo3ng your securi3es. 20  Item 18: Financial InformaAon Prepayment of Fees Fees for your investment advisor services are charged monthly in advance based upon the net worth or value of assets managed as determined by the client's custodian or other pricing services at the end of each calendar month. We do not require more than one month of pre-paid fees. Financial Condi=on Neither rebel Financial LLC nor its management has any financial condi3on that is likely to reasonably impair rebel Financial LLC’s ability to meet contractual commitments to clients. Bankruptcy rebel Financial LLC has not been subject to a bankruptcy proceeding. Item 19: Requirements for State- Registered Advisers Iden=fy Principal Execu=ve Officers and Management Person The Principal Execu3ve Officer is William “Phil” Ratcliff. The primary Management Person is William “Phil” Ratcliff. See Form ADV Part 2B Supplement. Describe Business Other Than Investment Advice rebel Financial LLC also offers tax prepara3on and accoun3ng services to clients as a stand-alone service. rebel Financial LLC always acts in the best interest of the client and clients always have the right to decide whether or not to u3lize the services of any rebel Financial LLC representa3ve in such individuals outside capaci3es. Describe How Supervised Persons are compensated with performance-based fees There is no compensa3on with performance-based fees. Describe if a Management Person has been subject to a Disciplinary Event The rebel Financial LLC Management Persons have not been subject to a disciplinary event. Describe any Rela=onship with an Issuer of Securi=es rebel Financial LLC has no rela3onships with issuers of securi3es. 21