Your questions, answered plainly.

An investment adviser is a firm paid to give advice about investing. A registered one is registered with the SEC or a state, and gives its clients a brochure, Form ADV Part 2A, that describes its services, its fees and its conflicts of interest.

Acrylic Financial, Inc. is a registered investment adviser, CRD 288263, organized in Arizona in February 2017. Registration as an investment adviser does not imply a certain level of skill or training. You can look the firm up on the SEC's adviser search at adviserinfo.sec.gov.

When acting in an advisory capacity through Acrylic, our advisors are held to a fiduciary standard. Form CRS says that when we act as your investment adviser, we may not put our interest ahead of yours.

Some of our advisors are also registered representatives of Brooklight Place Securities, Inc., an affiliate, or licensed insurance agents. In those roles they work under the rules for brokers and insurance agents, that work is not conducted through Acrylic, and insurance is not sold in a fiduciary capacity.

No. Form ADV Part 2A reports no criminal or civil actions, no administrative proceedings and no self-regulatory organization proceedings, and Form CRS says the firm has no legal or disciplinary events.

You do not have to take our word for it. You can search the firm and its financial professionals yourself at investor.gov.

No. Acrylic does not accept or keep physical custody of client funds or securities. Your accounts are held at a custodian the firm has approved: Charles Schwab & Co., Inc., Interactive Brokers LLC or Mid Atlantic Clearing & Settlement Corporation. Your statements come to you directly from the custodian, so you can compare them with the invoices we send.

One technical point: when our fee is deducted directly from your account at the custodian, which needs your written authorization, Acrylic is deemed to have custody of those assets. Form ADV Part 2A, Item 12, explains how directing accounts to these custodians limits your choice, and the conflict that creates.

Only if you choose that. If you grant us discretionary authority in your advisory agreement, we can trade for you without asking before each trade. If you keep the account non-discretionary, we ask for your approval before each trade.

Either way, you can set reasonable restrictions on what we invest in, for your values or your beliefs.

It is built to match your Investment Policy Statement, the written record of your income, your tax picture and your tolerance for risk, which is given to you. Acrylic primarily recommends exchange-traded funds (ETFs), and may use other securities to help diversify a portfolio. The full list of investment types the firm's advice covers is in Form ADV Part 2A, Item 4B.

Investing in securities involves a risk of loss that you should be prepared to bear.

An annual fee based on the assets we manage for you, figured on your average daily balance and taken from your account each month, in arrears, with your written authorization. The schedule uses flat breakpoints: when an account reaches a higher tier, that tier's single rate applies to the whole balance. Accounts in the same household are combined to set the rate unless you tell us otherwise.

Fees are negotiable, and your final schedule is written into your advisory agreement. Each new account also has a one-time setup fee in its first year, which the custodian deducts. Lower fees for comparable services may be available from other sources.

Planning is charged as a negotiated fixed fee or by the hour, and there is no charge for the initial consultation. A fixed fee is offered when the scope of the work can be defined in advance, and it is paid in advance. Hourly fees are generally billed in arrears. Acrylic does not charge for any hours on a financial plan beyond ten. Planning fees are paid by check or wire.

Form ADV Part 2A, dated March 3, 2026, lists no account minimum for any of Acrylic's services.

Separately from our fees, you pay the costs others charge: custodian fees, brokerage fees and commissions, transaction fees, and the internal expenses of mutual funds, which each fund's prospectus discloses. Fees and costs reduce what you make on your investments over time, and you pay them whether your investments make or lose money.

We get to know your needs and where you are today, and you get to ask us anything. Form CRS suggests questions worth asking any adviser, such as how we choose investments to recommend, what our licenses and qualifications mean, and how fees and conflicts could affect you. There is no charge for an initial consultation, and you can book one on our start page.

Accounts in our ongoing advisory services are reviewed on an ongoing basis and at least quarterly, and more often when market conditions or your circumstances call for it. Form CRS adds that we typically monitor client accounts monthly. Once a year we go over the portfolio with you and decide whether anything needs to change.

A retirement, the end of a job, a move or an inheritance can each prompt a review in between. Your custodian sends you a monthly statement showing what you hold, what it is worth and the fees charged.

A financial plan is a one-time piece of work. Each plan is reviewed by our Chief Compliance Officer, Charles Truhlar, when it is created and when it is delivered, and the planning service generally ends with delivery. After that there are no further reports unless you ask for them: more plans or reports are available for a fee.

You are under no obligation to act on a recommendation, or to act on it through us.

Yes. We can give ongoing advice on assets we do not hold, such as an employer-sponsored retirement plan or an account at another custodian, including help choosing among the investments a workplace plan offers. We do not trade those accounts and cannot take our fee from them directly.

That advice has its own fee, figured on the value you report or your statements show, and billed to you directly or taken from another account where you have authorized it. Our retirement page covers workplace plans in more detail.

Some of our advisors can, outside their advisory work. Certain people at Acrylic are also registered representatives of Brooklight Place Securities, Inc., a broker-dealer owned by Charles Truhlar and David Racich and so an affiliate of Acrylic, or licensed insurance agents who can sell life, health, disability and long-term care insurance and annuities. The insurance they can offer is limited to certain insurance companies. In those roles they may earn commissions, which gives them a reason to recommend products that pay one. That is a conflict of interest.

You do not have to buy a commissionable product through them, and you can use any broker or insurance agent you choose. Our advisory fees are not reduced by commissions they earn. Form CRS adds that when our affiliated broker-dealer makes money on your accounts, we benefit as well.

The way any adviser is paid creates conflicts, and Form CRS asks you to ask us about ours. Four to know:

• The more assets in your advisory account, the more you pay us, so we have an incentive to increase those assets.
• When we recommend another adviser, you pay its fee and ours.
• Acrylic generally requires accounts to be held at the custodians it has approved, and receives research and other services connected to those relationships. That gives it an incentive in recommending them, and can mean higher commissions for you.
• When our people buy or sell for themselves securities they also recommend to clients, that is a conflict. Acrylic monitors their personal accounts and keeps a restricted list.

Form ADV Part 2A, Items 5, 10, 11, 12 and 14, sets out each one in full, along with the others it lists.

Yes. Within five business days of signing your investment advisory contract, you can end it without penalty for a full refund of Acrylic's fees. After that, you can generally end it with 30 days' written notice, and any fee earned but not yet paid is due up to the date it ends.

A financial planning agreement can also be ended without penalty, for a full refund, within five business days of signing. After that it can generally be ended on written notice, and you receive the part of the plan prepared so far. Fees paid in advance but not yet earned are refunded on a prorated basis within fourteen days.