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OneSource Wealth Management

The Pros and Cons of a Big Tax Refund

Is receiving a big tax refund a reason to celebrate?

© 2024 OneSource Wealth Management.

This opinion material is written by OneSource Wealth Management and contains general information to help you understand basic investment strategies.

Throughout the website, we may generally discuss different financial vehicles; however, nothing we say should be construed as a recommendation to buy or sell any financial vehicle, nor should it be used to make decisions today about your investments.

Our goal with this website is to expose you to ideas and financial vehicles that may help you work toward your financial goals. Please understand that we cannot make any promises or guarantees that you will accomplish such goals. All investments are subject to risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results.

Any references to protection benefits generally refer to insurance products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

This website is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that OneSource Wealth Management and its representatives do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Despite efforts to be accurate and current, this website may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this website.

OneSource Advisors, LLC

d/b/a OneSource Wealth Management, OneSource Health & Wealth Management, Wise Money Guys (“OneSource”, “Our Firm”, or the “Advisor”)

Form ADV Part 3 – Client Relationship Summary

February 2025

Item 1: Introduction

OneSource Advisors, LLC is an investment advisor registered with the Securities and Exchange Commission. Brokerage and investment advisory services and fees differ, and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at http://investor.gov/crs, which also provides educational materials about broker-dealers, investment advisers and investing.

Item 2: Relationships and Services

What investment services and advice can you provide me?

OneSource's services include investment advisory services to individuals, high net worth individuals, profit-sharing plans, financial planning, consulting services, trusts, estates and business (each referred to as a “Client”). As part of our standard services, OneSource provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. OneSource works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy.

OneSource will construct a portfolio, consisting of diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client's investment goals. The Advisor may also utilize individual stocks and bonds and other types of securities, as appropriate, to meet the needs of its Clients. OneSource generally does not impose a minimum account or relationship size for establishing an advisory account.

OneSource's investment strategy is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held less than one year to meet the objectives of the Client or due to market conditions. OneSource will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor.

Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan.

Additional information about our services can be found in Items 4, 5 and 7 of our Disclosure Brochure and available to all clients or by going here: https://adviserinfo.sec.gov/firm/summary/319078

Let's discussÃ¢â‚¬Â¦ Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

Item 3: Fees, Costs, and Standards of Conduct

What fees will I pay?

Investment advisory fees are calculated either quarterly in arrears or quarterly in advance (the “billing period”), pursuant to the terms of the investment advisory agreement with each Client. Investment advisory fees range from 0.50% to 2.00% of assets under management, depending on the size and complexity of the Client relationship. Our firm accounts for deposits and withdrawals during the quarter. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. Larger relationships are often charged a lower fee. Our firm bills on cash unless otherwise noted in writing.

Investment advisory fees in the first billing period of service are prorated from the inception date of the account[s] to the end of the first billing period. Fees may be negotiable at the discretion of the Advisor. The Client's fees will take

into consideration the aggregate assets under management with Advisor.

Our Qualified Retirement Plan Consulting services are billed based on a percentage of managed Plan assets will not exceed 2.00%. The fee is based on the scope and complexity of our engagement with the client. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting agreement.

Additional information about our fees can be found in Item 5 of our Disclosure Brochure and available to all clients or by going here: https://adviserinfo.sec.gov/firm/summary/319078

Let's discussÃ¢â‚¬Â¦ Help me understand how these fees and costs might affect my investments. If I give you $200,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we are obligated to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. The following is an example to help you understand what this means:

Ã‚Â· Our firm and/or its investment advisory representatives may from time-to-time purchase or sell products or investments that they may recommend to clients. In such circumstances, our firm or its investment adviser representatives may have a financial interest in recommending investments that our firm or its representatives also own.

Ã‚Â· Third-Party Payments: While we do not receive compensation from third parties when we recommend investments, our supervised persons or affiliates may recommend insurance products in their individual capacities. This results in an incentive for our supervised persons or affiliates to recommend those insurance products.

Let's discussÃ¢â‚¬Â¦ How might your conflicts of interest affect me, and how will you address them?

Additional information about our conflicts of interest can be found throughout our Disclosure Brochure and available to all clients or by going here: https://adviserinfo.sec.gov/firm/summary/319078

How do your financial professionals make money?

OneSource financial professionals are paid based on the amount of assets under advisement and any management duties for assistance with accounts or retirement plans.

Item 4: Disciplinary History

Do you or your financial professionals have legal or disciplinary history? For what type of conduct? No, neither we nor our financial professionals have a legal or disciplinary history. You can visit http://investor.gov/crs for a free and simple search tool to research us and our financial professionals.

Let's discussÃ¢â‚¬Â¦ As a financial professional, do you have any disciplinary history? For what type of conduct?

Item 5: Additional Information

To obtain additional information regarding our services or to request a copy of this relationship summary, please contact our Chief Compliance Officer, Giuseppe Visconti, at (916) 967-3500. Our Firm and its representatives have a fiduciary duty to all clients. Please call us at (916) 967-3500 if you have any concerns.

Let's discussÃ¢â‚¬Â¦ Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

OneSource Wealth Management Text Message Terms & Privacy Policy

By requesting or engaging in communication by text with one of the representatives of OneSource Wealth Management, you are agreeing to receive conversational and informational messages from OneSource Wealth Management. Msg & data rates may apply. Msg frequency varies. Unsubscribe at any time by replying SL2STOP or clicking the unsubscribe link (where available). Reply SL2HELP for help.

Privacy Policy & Terms are below.

OneSource Wealth Management uses text messages through CellTrust's SL2 to communicate with individuals in relation to our business relationship in compliance with applicable laws and regulations.

Â· We use text messages as a form of communication only with individuals who have indicated to us that they consider text an acceptable form of communication.

Â· We will ensure that individuals always have the ability to stop us from communicating by text message or to get help from us about the text messages that we send.

Â· Text messages with us are captured and recorded as required under applicable laws and regulations.

Â· Carrier message and data rates may apply.

CONSENT TO TEXT MESSAGE COMMUNICATIONS When you let us know that text messages are an acceptable form of communication for you, you are expressly authorizing us to contact you at the phone number you used to consent to text communications, and you are agreeing that we may communicate with you by text message in accordance with these terms and privacy policy.

Please understand that under the laws in certain jurisdictions, even though each text message we send to you is drafted and sent by an individual at our company, the text communications may be considered automatic telephone dialing systems. Additionally, the content in the text messages we send may be considered informational or marketing in certain jurisdictions and by consenting to receive text messages from us. By letting us know we can text you either by telling us to text you, sending us a text that requests a response, or completing a form that states you consent to text messages, you are consenting to these communications.

Even after you consent to receiving text messages, you may opt out of such communications at any time by sending SL2STOP to the phone number that you no longer want to send you text messages, or you can contact [CONTACT INFO] to opt out or help us understand what types of text messages you do not want to have sent to you.

Opting in to receive text messages from us is not a condition of your use of our services. Additionally, no trade instructions received via text message may be executed.

TEXT MESSAGING PRIVACY

We will not sell any personal information obtained as part of our text messaging communications with you, and we do not permit our third-party suppliers, vendors, or contractors to sell any personal information obtained in the course of our business relationship related to our text message communications with you. For information on how your information is used by CellTrust as our text messaging vendor, please see CellTrust's privacy policy at https://www.celltrust.com/privacy-statement/.

Furthermore, mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. The descriptions of how we use information elsewhere in our company privacy policy exclude the information you provide as part of your consent to receive text messages from us; this information will not be shared with any third parties and will only be used to document your consent to receive text messages, to send those text messages to you, and to comply with any applicable laws and regulations.

HOW OFTEN WILL I RECEIVE COMMUNICATIONS?

The frequency of text messages and calls you receive will depend upon your relationship with us. Just as with other communication tools, some individuals may communicate with us more often than others.

If you feel you are receiving more communications than desired, you can let us know or opt out of receiving communications by sending the opt-out keyword SL2STOP, and that number should no longer be able to send you communications. Alternatively, you can contact [CONTACT INFO] for assistance.

HOW DO I OPT OUT OR STOP RECEIVING TEXT MESSAGES OR VOICE CALLS?

If you feel you are receiving more communications than desired, you can let us know or opt out of receiving communications by sending the opt-out keyword SL2STOP, and that number should no longer be able to send you communications.

Helpful Hints: The opt-out keyword needs to be sent from the phone number where you want to stop receiving messages. If you have more than one phone number enrolled, you will need to follow this process with each phone number or contact us for assistance. Alternatively, you can contact [CONTACT INFO] for assistance.

WHAT DO I DO IF MY PHONE NUMBER CHANGES?

If your phone number changes, you should let us know right away to avoid your messages being sent to your old number. Ideally, you should follow the opt out process described above before you change your phone number. You will also need to let us know that it is ok to send you text messages to your new number.

WILL YOU SEND ME ADS OR MARKETING OFFERS?

CellTrust will not be sending you any ads or marketing even though we are using their SL2 product.

Under some laws “marketing” can mean any offer of goods or services. If someone from our company tells you about a new product that might help you, those details could be considered marketing.

If you have questions about the specific types of text messages you will receive, please contact us. We are happy to work with you to ensure you only are receiving text communications that you want to receive. For additional information, please see www.celltrust.com/tc1, text SL2HELP to us, or reach out to [CONTACT INFO].

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