OLV Form CRS

A Summary Of Your Advisory Relationship With Oliver Lagore Vanvalin Investment Group Inc

Introduction

Oliver LaGore VanValin Investment Group Inc., (“OLV Investment Group” or “OLV”) is registered with the Securities and Exchange Commission (SEC) as an investment adviser. Brokerage and investment advisory services and fees differ, and it is essential for you to understand these differences. In certain markets, OLV does business as Clark Financial Group, LLC and CFG Advisors, LLC. Free and simple tools are available to research firms and our Financial Professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

Relationships And Services

What Investment Services And Advice Can You Provide Me?

OLV Investment Group offers investment advisory services to retail investors on a discretionary basis and non-discretionary basis. In a discretionary account, you have granted written investment authority to your Financial Professional to execute purchase and sell orders in your advisory accounts without consulting with you first. You may limit our discretion, such as by imposing reasonable restrictions on investing in certain securities or groups of securities. In a non-discretionary account, you have not granted written trading authority to your Financial Professional, and he or she will consult with you before executing trades in your account. As the retail client, you make the ultimate decision regarding the purchase or sale of your investments. Our Firm monitors your investment advisory accounts, and specific investments within your accounts, on an ongoing basis to align with your investment goals. This service is included as part of the Firm’s standard advisory services.

Our Firm does not require a minimum dollar value of any account to which it provides advisory and financial planning services. In certain circumstances, we may allocate a portion of a portfolio to an independent third-party investment adviser (“Manager”) for separate account management based upon your individual circumstances and objectives, including, but not limited to, your account size and tax circumstances. Our Firm will have discretion to utilize independent third-party investment adviser to aid in the implementation of investment strategies for your portfolio. Our Firm offers financial planning and consulting services for our clients. Financial Planning services can be provided on a standalone basis or in conjunction with our investment management services. In addition, our Firm provides general investment recommendations, on a limited basis to our clients. In a consulting engagement, you will be required to select your own investment managers, custodian, and/or insurance companies for the implementation of consulting recommendations.

Questions To Ask Your Financial Professional:

• 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?

For More Information Refer To Our Firm’s Adv Part 2a Brochure – Item 4, 7, 8, 13 & 16

Fees, Costs, Conflicts, And Standard Of Conduct

What Fees Will I Pay?

Our Firm receives a fee as compensation for providing investment advisory services on your account. The investment management fee includes investment management supervision, trade entry, and other account maintenance and/or service activities. Our investment management fees are based on a percentage of the total account value. Our maximum annual investment advisory fee is 1.85%, billed monthly in arrears. You pay this fee even if you don’t buy or sell investments. The more assets in your advisory account, the more you will pay in fees, and therefore, the Firm has an incentive to encourage you to increase the asset value in your account. Our Firm provides services on a wrap fee basis as part of a wrap fee program. Under our wrap program, you will receive investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. This fee also covers most transaction costs and certain administrative and custodial costs associated with your investments. If you expect to trade infrequently or to pursue a “buy and hold” strategy, a wrap fee program may cost you more than paying for the program’s services separately. Financial Planning and Consulting fees are fixed fees only and range from $1,000 to $2,500. The fee will be determined based on factors including the complexity of your financial situation, agreed upon deliverables, and whether you intend to implement any recommendations through OLV. On occasions where an independent Registered Investment Advisory firm acts as a sub-adviser to our Firm, the other investment adviser manages the assets based upon the parameters provided by our Firm. Our Firm collects the client advisory fee as described above (not to exceed 1.85%) and then pays out the sub advisor a portion of the advisory fee based on the assets under management for such services as outlined in the Agreement between our Firm and the sub-advisor. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

Questions To Ask Your Financial Professional:

• Help me understand how these fees and costs might affect my investments.
• If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

For More Information Refer To Our Firm’s Adv Part 2a Brochure – Item 5

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 have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money createssome conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examplesto help you understand what this means. 1) Asset-based fees present a conflict because our Firm is incentivized by encouraging you to invest additional funds in your advisory accounts. Asset-based fee compensation also poses a conflict when: a) Advising you to rollover a 401(k) balance, when equivalent and less costly options are available if funds are left with the employer’s fund manager. b) Advising you not to pay off a mortgage (thus diminishing assets), even when the mortgage carries a high interest rate. c) Advising against making a large charitable contribution to get a tax deduction (but decrease assets under management). d) Advising you to take a margin position in your managed account and charging fees on the margin balance. 2) Our firm allows our Financial Professionals to invest in the same securities as you; therefore, our Financial Professionals may have an incentive to favor their personal accounts over your advisory account. 3) Lastly, some of the products, services and other benefits provided by your custodians are used in servicing all of our Firm’s advisory accounts and therefore may not directly benefit your advisory account. Our Firm acts as a Promoter to an independent registered investment advisor on legacy accounts and receives a portion of advisory feesfor such arrangement. Our Firm received an economic benefit from AE Wealth Management, LLC in the form of a loan, which is forgiven over a five-year period, if our Firm meets certain conditionsin terms of maintaining a relationship with AE Wealth Management, LLC. If you have questions about whether any of these situations could apply to your investments, ask your Financial Professional or refer to our Part 2A Brochure.

Questions To Ask Your Financial Professional:

• How might your conflicts of interest affect me, and how will you address them?

For More Information Refer To Our Firm’s Adv Part 2a Brochure – Item 5, 10, 11, And 14

How Do Your Financial Professionals Make Money?

Our Firm’s Financial Professionals are compensated by the investmentservicesfees as described above in Item 3 Fee section. This compensation is based on the amount of assets they service, the amount of time spent, and the complexity required to meet the client’s needs or revenue based on the recommendations provided by our Financial Professionals. Some of our Financial Professionals are insurance licensed and receive commissions, trails, or other compensation from the respective insurance companies as a result of effecting insurance transactions. However, you have the right to decide whether to act on the recommendation. We recognize our duty to place your interests first and have established policies in this regard to avoid any conflicts of interest. When our Financial Professionals act as a registered representative of a broker-dealer, our Financial Professionals receive commissions in connection with the transactions made in your brokerage account, primarily in making recommendations on the use of variable insurance products or servicing legacy variable products. Our Financial Professionals are required only act in the best interests of clients. Our Financial Professionals primarily make recommendations on the use of variable insurance products or receive commissions related to the servicing legacy variable products. While some of our Firm’s Financial Professionals are engaged in outside business activities, we are required to disclose material outside business activities and any conflict it may pose to you. Our Firm supervises the business activities of our Financial Professionals through our compliance program. All Financial Professionals are required to follow a Code of Conduct to mitigate any conflicts to you.

For More Information Refer To Our Firm’s Adv Part 2a Brochure – Item 5, 10, 11, 12 & 14

Disciplinary History

Do You Or Your Financial Professionals Have Legal Or Disciplinary History?

Yes. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.

Questions To Ask Your Financial Professional:

• As a Financial Professional, do you have any disciplinary history? For what type of conduct?

For More Information Refer To Our Firm’s Adv Part 2a Brochure – Item 9

For Additional Information About Our Services Or A Copy Of This Client Relationship Summary:

For additional information about our investment advisory services visit the SEC’s website at www.adviserinfo.sec.gov. Our firm’s IARD number is: 312989. You may also contact us directly for up-to-date information and to request a copy of the relationship summary at: 810 – 744-4450.

Questions To Ask Your Financial Professional:

Who is my primary contact person? Is he or she an investment adviser or a representative of a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

Material Changes Since Last Filing

January 25, 2022, the Firm updated formatting and added hyperlinks to Form CRS.

October 31, 2022, the Firm updated language as follows:

Our Firm acts as a Promoter to an independent registered investment advisor on legacy accounts and receives a portion
of advisory fees for such arrangement.

When our Financial Professionals act as a registered representative of a broker-dealer, our Financial Professionals receive commissions in connection with the transactions made in your brokerage account. Our Financial Professionals primarily make recommendations on the use of variable insurance products or receive commissions related to the servicing legacy variable products.

February 22, 2023, the Firm updated Form CRS formatting for the annual amendment.

May 4, 2023, the Firm added, in certain markets, OLV does business as Clark Financial Group, LLC and CFG Advisors.