innovative advisory group

© 2011-2021 Innovative Advisory Group, LLC; All Rights Reserved

INNOVATIVE ADVISORY GROUP BROCHURE SUPPLEMENT

Version 2021.3.1

Corporate Office Address

394 LOWELL STREET, SUITE 8 LEXINGTON, MA 02420

Website: http://www.innovativewealth.com

Last Updated: MARCH 18, 2021

This brochure supplement provides information about the qualifications of supervised persons of INNOVATIVE ADVISORY GROUP, LLC. You should have received a copy of INNOVATIVE ADVISORY GROUP, LLC’s Firm Brochure. If you have not received a copy of the firm brochure or have any questions about the contents of this brochure supplement, please contact us at (781) 218-2250 or by electronic mail at [email protected]. Except where indicated, the information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any equivalent state securities authority. Additional information about each supervised person of INNOVATIVE ADVISORY GROUP, LLC is also available on the United States Securities and Exchange Commission website at http://www.adviserinfo.sec.gov. Please do note that INNOVATIVE ADVISORY GROUP, LLC is not responsible for maintenance or management of this website. INNOVATIVE ADVISORY GROUP is an Independent Registered Investment Advisor.

• Independent solely and only implies that INNOVATIVE ADVISORY GROUP is not affiliated with any other firm.

• Registered solely and only implies that INNOVATIVE ADVISORY GROUP has registered itself with the appropriate regulatory organization within the United States.

• Investment Advisor solely and only implies that INNOVATIVE ADVISORY GROUP portrays itself to be a firm that provides Investment Advice in accordance with all the disclosures in this brochure.

• Being a registered investment advisor does not imply a certain level of skill or training.

http://www.innovativewealth.com/

mailto:[email protected]

http://www.adviserinfo.sec.gov/

© 2011-2021 Innovative Advisory Group, LLC; All Rights Reserved of 24

Material Changes March 30, 2011 Initial Revision; 2010 Annual Update in Brochure Format October 01, 2011 Added Additional Office Address on Cover Page

Updated Version number to 1.1 Added Section numbers to each investment advisor representative Added Section 1.7, 2.7, 3.7, 4.7, 5.7, 6.7 to each section Updated Other Business Activities Section for clarity (as applicable) Updated Additional Compensation Section for clarity (as applicable) Removed Mr. Mark Prideaux Added Mr. Odias Bachelder II

December 13, 2011 Removed Mr. Steven Cox Updated Version number to 1.2

March 12, 2012 Added Contact information for each investment advisor representative Added Satellite Office Information for Maine based investment advisor representative Updated Other Business Activities for Mr. Rajeev Kotyan, Ms. Fumiji Aoki and Mr. George Zuluaga Removed older business experience information for Ms. Fumiji Aoki and Mr. Odias Bachelder II Added Additional Compensation information for Mr. Kirk Chisholm Updated Version number to 1.3 Updated Copyright information to include 2012

July 02, 2012 Added Other Business Activity for Mr. Odias Bachelder II Added Other Business Activity for Ms. Fumiji Aoki Updated Version number to 1.4

August 20, 2012 Changed Supervision for Ms. Laurie Bachelder Changed Other Business Activity for Mr. Rajeev Kotyan Changed Supervision for Mr. George Zuluaga Changed Supervision for Ms. Fumiji Aoki Updated Version number to 1.5

October 16, 2012 Removed Ms. Laurie Bachelder Removed Mr. Odias Bachelder II Changed Version number to 1.6

January 28, 2013 Changed Version number to 1.7 Updated Copyright information to include 2013 Removed Mr. George Zuluaga Changed Other Business Activity for Mr. Rajeev Kotyan Changed Registered Office Address on Cover Page

June 03, 2013 Changed Version number to 2.0 Changed NUA Advisors, LLC to NUA Advisors throughout Updated Business experience for Mr. Rajeev Kotyan to reflect last 5 years only Updated Additional Compensation for Mr. Kirk Chisholm to reflect the 2013 Five Star Award

September 26, 2013 Changed Version number to 2.1 Removed Registered Office Address on Cover Page


March 14, 2014 Changed Version number to 2.3; Updated Copyright notice; Updated Address Updated Business Experience for Mr. Kirk Chisholm and Mr. Rajeev Kotyan

August 01, 2014 Changed to Version 3.0 Changed NUA Advisors to Innovative Advisory Group, LLC

January 02, 2014 Changed to Version 3.1; Updated Copyright notice Updated Other Business Activity for Mr. Kirk Chisholm

February 05, 2015 Changed to Version 3.2 Added clarity to Disciplinary Information for Mr. Kirk Chisholm Added clarity to Disciplinary Information for Mr. Rajeev Kotyan Added clarity to Disciplinary Information for Ms. Fumiji Aoki Updated Other Business Activity for Mr. Kirk Chisholm Updated Other Business Activity for Mr. Rajeev Kotyan

February 22, 2016 Changed to Version 3.3; Updated Copyright notice Updated Other Business Activity for Mr. Rajeev Kotyan Updated Other Business Activity for Ms. Fumiji Aoki

May 25, 2016 Changed to Version 3.4 Updated Additional Compensation for Mr. Kirk Chisholm Updated Additional Compensation for Mr. Rajeev Kotyan

September 12, 2016 Changed to Version 3.5 Removed Ms. Fumiji Aoki

February 22, 2017 Changed to Version 3.6; Updated Copyright notice February 15, 2018 Changed to Version 3.8; Updated Copyright notice

Corrected typographical and grammatical errors March 23,2018 Changed to Version 3.9

Updated Other Business Activity for Mr. Kirk Chisholm Updated Supervision for Mr. Kirk Chisholm Updated Other Business Activity for Mr. Rajeev Kotyan Updated Supervision for Mr. Rajeev Kotyan

April 23, 2018 Changed to Version 4.0 Added Mr. Timothy Picciott

June 01, 2018 Changed to Version 4.1 Corrected designation for Mr. Timothy Picciott

July 27, 2018 Changed to Version 4.2 Updated primary office address for Mr. Timothy Picciott

February 28, 2019 Changed to Version 2019: Updated Copyright notice July 24, 2019 Changed to Version 2019.1

Added Mr. Jonathan T Weaver October 03, 2019 Changed to Version 2019.2

Added Mr. Kelly T. Coughlin November 13, 2019 Changed to Version 2019.3

Added Mr. John Mark English January 30, 2020 Changed to Version 2020.1; Updated Copyright notice

Removed Mr. Jonathan Weaver June 09, 2020 Changed to Version 2020.2

Item 1: Updated SEC URL


January 12, 2021 Changed to Version 2021.1; Updated Copyright notice Update cover page with Innovative Advisory Group clarification on use of Registered Investment Advisor Item 3.2: Updated Business Experience for Timothy Picciott Item 5.1: Updated Primary Office Address for John Mark English

January 15, 2021 Changed to Version 2021.1.1 Added Mr. Paul R. Dio March 09, 2021 Changed to Version 2021.3

Added Ms. Redina Franklin Updated Mr. Paul R. Dio’s number

March 18, 2021 Changed to Version 2021.3.1 Added Mr. Teinchia Wang


Table of Contents 1. Kirk Chisholm ....................................................................................................................................... 8

1.1 General Information ...................................................................................................................... 8

1.2 Education Background and Business Experience ........................................................................... 8

1.3 Disciplinary Information ................................................................................................................ 8

1.4 Other Business Activity .................................................................................................................. 8

1.5 Additional Compensation ............................................................................................................... 8

1.6 Supervision .................................................................................................................................... 9

1.7 Requirements for State Registered Advisors ................................................................................... 9

2 Rajeev Kotyan ...................................................................................................................................... 10

2.1 General Information .................................................................................................................... 10

2.2 Education Background and Business Experience ......................................................................... 10

2.3 Disciplinary Information .............................................................................................................. 10

2.4 Other Business Activity ................................................................................................................ 10

2.5 Additional Compensation ............................................................................................................. 10

2.6 Supervision .................................................................................................................................. 10

2.7 Requirements for State Registered Advisors ................................................................................. 11

3. Timothy Picciott .................................................................................................................................. 12






3.6 Supervision .................................................................................................................................. 14


4. Kelly T. Coughlin ................................................................................................................................. 15






4.6 Supervision .................................................................................................................................. 15



5. John Mark English ............................................................................................................................... 17






5.6 Supervision .................................................................................................................................. 17


6. Paul R. Dio .......................................................................................................................................... 19






6.6 Supervision .................................................................................................................................. 20


7. Redina Franklin .................................................................................................................................... 21






7.6 Supervision .................................................................................................................................. 22


8. Teinchia Wang (Tien-Jia Wang or Jack Wang) ...................................................................................... 23


8.2 Education Background and Business ............................................................................................ 23




8.6 Supervision .................................................................................................................................. 24


1. Kirk Chisholm

1.1 General Information Individual CRD# 4004975 Year of Birth 1975 Primary Office Address 394 Lowell Street, Suite 8

Lexington, MA 02420 Contact Information (617) 372-9033

1.2 Education Background and Business Experience Trinity College Bachelor of Arts in Economics Business Experience for the last 5 years only: Innovative Advisory Group, LLC Principal November 2008 to Present

1.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. Kirk Chisholm.

1.4 Other Business Activity Mr. Chisholm is monetarily invested (minor investment, directly and/or indirectly) in Cambria Investments Holdings, LLC. Cambria Investments Holdings, LLC creates and manages Exchange Traded Funds (ETFs). Mr. Chisholm’s investment does not provide for any management or control of Cambria Investments Holdings, LLC. Other than the return of investment, Mr. Chisholm does not receive any compensation, discounts or other benefits, either directly or indirectly, due to his investment in Cambria Investments Holdings, LLC. This may cause a potential conflict of interest in the portfolio allocation of ETFs provided by Cambria Investments Holdings, LLC. Additional supervision prior to portfolio allocation in Cambria Investments Holdings, LLC ETFs is provided to limit any potential conflict of interest. Mr. Kirk Chisholm is the non-compensated manager of Self Direct Your Retirement, LLC, which is a personal holding company solely for estate planning for his family and himself and does not conduct any financial services related business through this firm. Mr. Kirk Chisholm has ownership and management interests in Harrington Eight, LLC. Harrington Eight, LLC is the owner of the office space leased by Innovative Advisory Group, LLC. Harrington Eight, LLC does not provide any investment related services. Mr. Kirk Chisholm is the sole owner and managing member of Stirling Global Advisor, LLC, the personal holding company of Mr. Kirk Chisholm, which is an owner of Innovative Advisory Group, LLC.

1.5 Additional Compensation Mr. Chisholm received an award from the Five Star Professional in February 2010 naming him as a 2010 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Chisholm’s wealth management service provided to his clients. Prior to being selected for the award Mr. Chisholm has had no communication with this firm.


Mr. Chisholm received an award from the Five Star Professional in February 2012 naming him as a 2012 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Chisholm’s wealth management service provided to his clients. Prior to being selected for the award Mr. Chisholm has had no communication with this firm. Mr. Chisholm received an award from the Five Star Professional in February 2013 naming him as a 2013 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Chisholm’s wealth management service provided to his clients. Prior to being selected for the award Mr. Chisholm has had no communication with this firm. Mr. Chisholm received an award from the Five Star Professional in February 2015 naming him as a 2015 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Chisholm’s wealth management service provided to his clients. Prior to being selected for the award Mr. Chisholm has had no communication with this firm. Mr. Chisholm received an award from the Five Star Professional in February 2016 naming him as a 2016 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Chisholm’s wealth management service provided to his clients. Prior to being selected for the award Mr. Chisholm has had no communication with this firm. Innovative Advisory Group, LLC is not affiliated and has no arrangements with Five Star Professional and their award. Other than the compensation from Innovative Advisory Group, LLC, Mr. Chisholm does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

1.6 Supervision Mr. Chisholm is a Management Person of Innovative Advisory Group, LLC. As a check and balances the other Management Persons of the company provide oversight on the advice provided to clients, including but not limited to portfolio reviews, financial plan reviews and client needs discussions. Mr. Kirk Chisholm is supervised by Mr. Rajeev Kotyan, Principal and Chief Compliance Officer and can be reached at (781) 577-2782. Mr. Rajeev Kotyan is also a Management Person at Innovative Advisory Group, LLC.

1.7 Requirements for State Registered Advisors Mr. Chisholm is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 1.3) provided. Mr. Chisholm has no additional information to disclose.


2 Rajeev Kotyan


Lexington, MA 02420 Contact Information (781) 577-2782

2.2 Education Background and Business Experience University of Poona Bachelor of Engineering (Computers, Finance – minor) Business Experience for the last 5 years only: Innovative Advisory Group, LLC Principal July 2008 to Present

2.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. Rajeev Kotyan

2.4 Other Business Activity Mr. Rajeev Kotyan is the sole owner and president of Blue Haven Group, Inc., the personal holding company of Mr. Rajeev Kotyan, which is an owner of Innovative Advisory Group, LLC. Mr. Rajeev Kotyan has ownership and management interests in Harrington Eight, LLC. Harrington Eight, LLC is the owner of the office space leased by Innovative Advisory Group, LLC. Harrington Eight, LLC does not provide any investment related services. Mr. Rajeev Kotyan is on the Board of Trustees for the Harrington Park Condominium Association. This is a non-compensated position for the purposes of management of the Harrington Park Condominiums.

2.5 Additional Compensation Mr. Kotyan received an award from the Five Star Professional in February 2016 naming him as a 2016 Five Star Wealth Manager in Boston Magazine. This is an unsolicited, unpaid recognition of Mr. Kotyan’s wealth management service provided to his clients. Prior to being selected for the award Mr. Kotyan has had no communication with this firm. Innovative Advisory Group, LLC is not affiliated and has no arrangements with Five Star Professional and their award. Other than the compensation from Innovative Advisory Group, LLC, Mr. Kotyan does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

2.6 Supervision Mr. Kotyan is a Management Person of Innovative Advisory Group, LLC. As a check and balances the other Management Persons of the company provide oversight on the advice provided to clients, including but not limited to portfolio reviews, financial plan reviews and client needs discussions.


Mr. Rajeev Kotyan is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.

2.7 Requirements for State Registered Advisors Mr. Kotyan is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 2.3) provided. Mr. Kotyan has no additional information to disclose.


3. Timothy Picciott

3.1 General Information Individual CRD# 5535180 Year of Birth 1986 Primary Office Address 16165 N 83rd Avenue, Suite 200

Peoria, AZ 85382 Contact Information 480-420-4659

3.2 Education Background and Business Experience State University of New York Genesco Bachelor of Science in Business Administration Business Experience for the last 5 years only: Innovative Advisory Group, LLC April 2018 to Present Wealthcare Advisory Partners, LLC November 2015 to February 2018 LPL Financial, LLC November 2015 to February 2018

Mr. Picciott is a Certified Financial Planner TM (CFP®), both marks and designations owned by the Certified Financial Planner Board of Standards, Inc. (CFP® Board) To receive the Certified Financial Planner TM designation, the candidate must have completed the following requirements:

• Bachelor’s Degree from an accredited college or university • CFP® Board Registered Education Program • Pass the CFP® Certification Examination • Three years of full-time or equivalent part-time direct financial planning work experience • Pass CFP® Board’s Fitness Standards for Candidates and Registrants • Abide by the CFP® Board’s Code of Ethics and Professional Responsibility, Rules of

Conduct and Financial Planning Practice Standards • Pass all Continuing Education requirements on an annual basis

More information on CFP® Board is available at http://www.cfp.net. (Innovative Advisory Group, LLC does not maintain or manage the contents of this website.) Innovative Advisory Group, LLC is not affiliated with CFP® Board. Mr. Picciott is a Chartered Retirement Planning Counselor SM (CRPC®), both marks and designations owned by The College for Financial Planning, Inc. To receive the Chartered Retirement Planning Counselor SM, the candidate must have competed the following requirements:

• Course of study encompassing pre- and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.

• Pass an examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations.

http://www.cfp.net/


• Abide by the Standards of Professional Conduct as published by The College for Financial Planning, Inc.

• Pass all renewal, continuing education and self disclosure requirements of The College for Financial Planning, Inc.

More information about Chartered Retirement Planning Counselor SM (CRPC®) is available at http://www.cffpdesignations.com/Designation/CRPC (Innovative Advisory Group, LLC does not maintain or manage the contents of this website.) Innovative Advisory Group, LLC is not affiliated with The College for Financial Planning, Inc.

3.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. Timothy Picciott.

3.4 Other Business Activity Mr. Timothy Picciott is the manager and member of Ironplan, LLC, which is a personal holding company solely for estate planning and tax planning for his family and himself and does not conduct any financial services related business through this firm. Mr. Timothy Picciott is the manager and member in The Libertarian Advisor, LLC, which is the personal holding company for intellectual property rights, including but not limited to trademarks, service marks and copyrights for the sole benefit of Mr. Timothy Picciott and his family. The Libertarian Advisor, LLC may sell non-finance related merchandise. The Libertarian Advisor, LLC does not provide any investment or financial related services. Mr. Timothy Picciott is the manager and member in Crypto Wealth Advisors, LLC, which is the personal holding company for digital assets and rights, including but not limited to URL’s, blockchain technology, crypto currency and their related digital trademarks, service marks and copyrights for the sole benefit of Mr. Timothy Picciott and his family. Crypto Wealth Advisor, LLC does not provide any investment or financial related services. Mr. Timothy Picciott is the Statutory Resident Agent, as defined by the Arizona Corporations Commission Corporations Division, for Innovative Advisory Group, LLC in the State of Arizona. Mr. Timothy Picciott is an Independent Insurance Producer in the State of Arizona (Insurance License #: 11162714). This license is specific to Mr. Picciott, and details of the license information are available only directly with Mr. Picciott or with the State of Arizona Department of Insurance. (Innovative Advisory Group, LLC is not responsible for the content of the State of Arizona, Department of Insurance website, nor is it responsible for the insurance license or insurance license status for Mr. Picciott.) As an independent insurance producer, Mr. Picciott may receive compensation for the sale of insurance products. Sales of insurance products for compensation creates a conflict of interest for Mr. Picciott since it gives him an incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. Innovative Advisory Group, LLC will supervise insurance products that are recommended by Mr. Picciott to advisory clients as part of a financial plan to limit this conflict of interest. Innovative Advisory Group, LLC does not receive any compensation from Mr. Picciott’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Mr. Picciott’s Other Business Activities.

http://www.cffpdesignations.com/Designation/CRPC

https://insurance.az.gov/


3.5 Additional Compensation Mr. Picciott may receive compensation from his activity in The Libertarian Advisor, LLC and Crypto Wealth Advisor, LLC. None of this compensation is related to or dependent on investment or financial related services. Mr. Picciott may receive compensation from his activity as the Statutory Resident Agent for Innovative Advisory Group, LLC. This compensation is not related to or dependent on investment or financial related services. Mr. Picciott may receive compensation from his activity as an independent insurance producer. Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Mr. Picciott does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

3.6 Supervision All investment advice and financial planning material between Mr. Timothy Picciott and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Mr. Timothy Picciott is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.

3.7 Requirements for State Registered Advisors Mr. Picciott is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 3.3) provided. Mr. Picciott has no additional information to disclose.


4. Kelly T. Coughlin

4.1 General Information Individual CRD# 1014477 Year of Birth 1957 Primary Office Address Private Residence; Not disclosed due to privacy Contact Information 612-232-6640

4.2 Education Background and Business Experience Babson College Master’s in Business Administration Business Experience for the last 5 years only: Innovative Advisory Group, LLC Oct 2019 to Present

4.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. Kelly Coughlin.

4.4 Other Business Activity Mr. Kelly Coughlin is a Certified Public Accountant (CPA) and provides tax and accounting services to individuals and businesses, through his firm EveryDay CPA, Inc. where he also is the designated Chief Executive Officer. Mr. Kelly Coughlin is a partner in The BizGeeks, LLC which provides digital marketing services. Innovative Advisory Group, LLC does not receive any compensation from Mr. Coughlin’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Mr. Coughlin’s Other Business Activities.

4.5 Additional Compensation Mr. Coughlin may receive compensation from any or all his Other Business Activity, and Innovative Advisory Group, LLC has no knowledge or control of such compensation. Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Mr. Coughlin does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

4.6 Supervision All investment advice and financial planning material between Mr. Kelly Coughlin and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Mr. Kelly Coughlin is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.


4.7 Requirements for State Registered Advisors Mr. Coughlin is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 4.3) provided. Mr. Coughlin has no additional information to disclose.


5. John Mark English


5.2 Education Background and Business Experience The Catholic University of America Bachelor of Arts in Politics and Government Business Experience for the last 5 years only: Innovative Advisory Group, LLC November 2019 to Present Ameriprise Financial Services, Inc. August 2011 to November 2019

5.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. English.

5.4 Other Business Activity Mr. English is a member of the Board of Governors at Nyack Boat Club, where he is also the designated Cruising Fleet Treasurer. Mr. English is the Secretary for the Parish Council, St. Pius X in Scarsdale, NY. Mr. English is a member of Advisor Plus Network’s Apprenticeship Program. Innovative Advisory Group, LLC does not receive any compensation from Mr. English’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Mr. English’s Other Business Activities.

5.5 Additional Compensation Mr. English may receive compensation from any or all his Other Business Activity, and Innovative Advisory Group, LLC has no knowledge or control of such compensation. Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Mr. English does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

5.6 Supervision All investment advice and financial planning material between Mr. English and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Mr. English is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.


5.7 Requirements for State Registered Advisors Mr. English is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 5.3) provided. Mr. English has no additional information to disclose.


6. Paul R. Dio


Lexington, MA 02420 Contact Information 617-925-7175

6.2 Education Background and Business Experience Wentworth Institute of Technology Bachelor of Science in Business Management of Technology Business Experience for the last 5 years only: Innovative Advisory Group, LLC January 2021 to Present LPL Financial, LLC. November 2017 to December 2020 Trilogy Capital & Financial Services, December 2011 to December 2020

6.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Mr. Dio.

6.4 Other Business Activity Mr. Paul R. Dio is an Independent Insurance Producer in the Commonwealth of Massachusetts (Insurance License #: 1913507). This license is specific to Mr. Dio, and details of the license information are available only directly with Mr. Dio or with the Commonwealth of Massachusetts Division of Insurance. (Innovative Advisory Group, LLC is not responsible for the content of the Commonwealth of Massachusetts, Division of Insurance website, nor is it responsible for the insurance license or insurance license status for Mr. Dio.) As an independent insurance producer, Mr. Dio may receive compensation for the sale of insurance products. Sales of insurance products for compensation creates a conflict of interest for Mr. Dio since it gives him an incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. Innovative Advisory Group, LLC will supervise insurance products that are recommended by Mr. Dio to Innovative Advisory Group clients to limit this conflict of interest. Innovative Advisory Group, LLC does not receive any compensation from Mr. Dio’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Mr. Dio’s Other Business Activities.

6.5 Additional Compensation Mr. Dio may receive compensation from any or all his Other Business Activity, and Innovative Advisory Group, LLC has no knowledge or control of such compensation. Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Mr. Dio does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

https://agentfinder.doi.state.ma.us/



6.6 Supervision All investment advice and financial planning material between Mr. Dio and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Mr. Dio is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.

6.7 Requirements for State Registered Advisors Mr. Dio is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 6.3) provided. Mr. Dio has no additional information to disclose.


7. Redina Franklin


7.2 Education Background and Business Experience Texas Tech University Bachelor in Family Financial Planning Business Experience for the last 5 years only: Innovative Advisory Group, LLC March 2021 to Present Amicus Financial Advisors, LLC April 2017 to March 2021 White Rhino Financial July 2015 to November 2017

7.3 Disciplinary Information There have been no legal or disciplinary events for, against and by Ms. Franklin.

7.4 Other Business Activity Ms. Franklin is an Independent Insurance Agent in the State of Texas (Insurance License #: 1052889). This license is specific to Ms. Franklin, and details of the license information are available only directly with Ms. Franklin or with the State of Texas Department of Insurance. (Innovative Advisory Group, LLC is not responsible for the content of the State of Texas, Department of Insurance website, nor is it responsible for the insurance license or insurance license status for Ms. Franklin.) As an independent insurance agent, Ms. Franklin may receive compensation for the sale of insurance products. Sales of insurance products for compensation creates a conflict of interest for Ms. Franklin since it gives an incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. Innovative Advisory Group, LLC will supervise insurance products that are recommended by Ms. Franklin to Innovative Advisory Group clients to limit this conflict of interest. Innovative Advisory Group, LLC does not receive any compensation from Ms. Franklin’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Ms. Franklin’s Other Business Activities.

7.5 Additional Compensation Ms. Franklin may receive compensation from any or all his Other Business Activity, and Innovative Advisory Group, LLC has no knowledge or control of such compensation. Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Ms. Franklin does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.



7.6 Supervision All investment advice and financial planning material between Ms. Franklin and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Ms. Franklin is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.

7.7 Requirements for State Registered Advisors Ms. Franklin is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 7.3) provided. Ms. Franklin has no additional information to disclose.


8. Teinchia Wang (Tien-Jia Wang or Jack Wang)


Lexington, MA 02420 Contact Information 781-218-2250

8.2 Education Background and Business

University of Texas at Austin Bachelor in Business Administration Business Experience for the last 5 years only: Innovative Advisory Group, LLC March 2021 to Present Longhorn Holdings September 2005 to Present

8.3 Disciplinary Information On September 08, 2014 Mr. Wang filed for personal bankruptcy which has subsequently been discharged effective November 18, 2014. There have been no additional legal or disciplinary events for, against and by Mr. Wang.

8.4 Other Business Activity Mr. Wang is a member of the Board of the Westford Community Access Television in Westford, MA. Mr. Wang is an Independent Insurance Producer in the Commonwealth of Massachusetts (Insurance License #: 8426024). This license is specific to Mr. Wang, and details of the license information are available only directly with Mr. Wang or with the Commonwealth of Massachusetts Division of Insurance. (Innovative Advisory Group, LLC is not responsible for the content of the Commonwealth of Massachusetts, Division of Insurance website, nor is it responsible for the insurance license or insurance license status for Mr. Wang.) As an independent insurance producer, Mr. Wang may receive compensation for the sale of insurance products. Sales of insurance products for compensation creates a conflict of interest for Mr. Wang since it gives him an incentive to recommend insurance products based on the compensation received, rather than on the client’s needs. Innovative Advisory Group, LLC will supervise insurance products that are recommended by Mr. Wang to Innovative Advisory Group clients to limit this conflict of interest. Innovative Advisory Group, LLC does not receive any compensation from Mr. Wang’s Other Business Activities listed here, nor does Innovative Advisory Group, LLC provide any support to Mr. Wang’s Other Business Activities.

8.5 Additional Compensation Mr. Wang may receive compensation from any or all his Other Business Activity, and Innovative Advisory Group, LLC has no knowledge or control of such compensation.




Except as disclosed here, other than the compensation from Innovative Advisory Group, LLC, Mr. Wang does not receive any economic benefit from any person, company, or organization in exchange for providing client advisory services through Innovative Advisory Group, LLC.

8.6 Supervision All investment advice and financial planning material between Mr. Wang and clients are sent to the Chief Compliance Officer or Innovative Advisory Group, LLC Management Person for review. All materials are maintained by Innovative Advisory Group, LLC. Mr. Wang is supervised by Mr. Kirk Chisholm, Principal and can be reached at (617) 372-9033. Mr. Kirk Chisholm is also a Management Person at Innovative Advisory Group, LLC.

8.7 Requirements for State Registered Advisors Mr. Wang is a State Registered Investment Advisor Representative, due to the fact that Innovative Advisory Group, LLC is a State Registered Investment Advisory Firm. States require that additional disciplinary disclosures pertaining to arbitration claims; civil, self-regulatory or administrative proceedings; or bankruptcy proceeding have to be disclosed in addition to the Disciplinary Information (Section 8.3) provided. Mr. Wang has no additional information to disclose.

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