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Item1:CoverPage

FordFinancialSolutions,LLC

POBox109NewYork,NY10024

FormADVPart2A–FirmBrochure

(212)799-0631

www.fordfinancialsolutions.com

DatedJanuary17,2017

ThisBrochureprovidesinformationaboutthequalificationsandbusinesspracticesofFordFinancialSolutions,LLC,“FFS”.IfyouhaveanyquestionsaboutthecontentsofthisBrochure,pleasecontactusat(212)799-0631.TheinformationinthisBrochurehasnotbeenapprovedorverifiedbytheUnitedStatesSecuritiesandExchangeCommissionorbyanystatesecuritiesauthority.

FordFinancialSolutions,LLCisregisteredasanInvestmentAdviserwiththeStateofNewYork.RegistrationofanInvestmentAdviserdoesnotimplyanylevelofskillortraining.

AdditionalinformationaboutFFSisavailableontheSEC’swebsiteatwww.adviserinfo.sec.govwhichcanbefoundusingthefirm’sidentificationnumber282588.

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Item2:MaterialChangesFees&Compensation:FFShasamendedthefeestructureforitsoveralladvisoryservices.PleaseseeItem5foradditionalinformation.

Item3:TableofContents

ContentsItem1:CoverPage.........................................................................................................................1

Item2:MaterialChanges...............................................................................................................2

Item3:TableofContents...............................................................................................................2

Item4:AdvisoryBusiness...............................................................................................................3

Item5:FeesandCompensation.....................................................................................................7

Item6:Performance-BasedFeesandSide-By-SideManagement.................................................8

Item7:TypesofClients..................................................................................................................9

Item8:MethodsofAnalysis,InvestmentStrategiesandRiskofLoss............................................9

Item9:DisciplinaryInformation...................................................................................................12

Item10:OtherFinancialIndustryActivitiesandAffiliations........................................................12

Item11:CodeofEthics,ParticipationorInterestinClientTransactionsandPersonalTrading..13

Item12:BrokeragePractices........................................................................................................15

Item13:ReviewofAccounts........................................................................................................15

Item14:ClientReferralsandOtherCompensation.....................................................................16

Item15:Custody..........................................................................................................................16

Item16:InvestmentDiscretion....................................................................................................16

Item17:VotingClientSecurities..................................................................................................16

Item18:FinancialInformation.....................................................................................................17

Item19:RequirementsforState-RegisteredAdvisers.................................................................18

FormADVPart2B–BrochureSupplement..................................................................................20

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Item4:AdvisoryBusinessDescriptionofAdvisoryFirm

FordFinancialSolutions,LLCisregisteredasanInvestmentAdviserwiththeStatesofNewYorkandTexas.WewerefoundedinMarch6,2015.JulieE.FordistheprincipalownerofFFS.FFSdoesnottakeAssetsUnderManagement.

TypesofAdvisoryServices

FinancialPlanning

Financialplanningisacomprehensiveevaluationofaclient’scurrentandfuturefinancialstatebyusingcurrentlyknownvariablestopredictfuturecashflows,assetvaluesandwithdrawalplans.Thekeydefiningaspectoffinancialplanningisthatthroughthefinancialplanningprocess,allquestions,informationandanalysiswillbeconsideredastheyimpactandareimpactedbytheentirefinancialandlifesituationoftheclient.Clientspurchasingthisservicewillreceiveawrittenoranelectronicreport,providingtheclientwithadetailedfinancialplandesignedtoachievehisorherstatedfinancialgoalsandobjectives.

Theclientalwayshastherighttodecidewhetherornottoactuponourrecommendations.Iftheclientelectstoactonanyoftherecommendations,theclientalwayshastherighttoeffectthetransactionsthroughanyoneoftheirchoosing.

Ingeneral,thefinancialplanwilladdressanyorallofthefollowingareasofconcern.Theclientandadvisorwillworktogethertoselectthespecificareastocover.Theseareasmayinclude,butarenotlimitedto,thefollowing:

• BusinessPlanning:Weprovideconsultingservicesforclientswhocurrentlyoperatetheirownbusiness,areconsideringstartingabusiness,orareplanningforanexitfromtheircurrentbusiness.Underthistypeofengagement,weworkwithyoutoassessyourcurrentsituation,identifyyourobjectives,anddevelopaplanaimedatachievingyourgoals.

• CashFlowandDebtManagement:Wewillconductareviewofyourincomeandexpensestodetermineyourcurrentsurplusordeficitalongwithadviceonprioritizinghowanysurplusshouldbeusedorhowtoreduceexpensesiftheyexceedyourincome.Advicemayalsobeprovidedonwhichdebtstopayofffirstbasedonfactorssuchasthe

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interestrateofthedebtandanyincometaxramifications.Wemayalsorecommendwhatwebelievetobeanappropriatecashreservethatshouldbeconsideredforemergenciesandotherfinancialgoals,alongwithareviewofaccounts(suchasmoneymarketfunds)forsuchreserves,plusstrategiestosavedesiredamounts.

• CollegeSavings:Includesprojectingtheamountthatwillbeneededtoachievecollegeorotherpost-secondaryeducationfundinggoals,alongwithadviceonwaysforyoutosavethedesiredamount.Recommendationsastosavingsstrategiesareincluded,and,ifneeded,wewillreviewyourfinancialpictureasitrelatestoeligibilityforfinancialaidorthebestwaytocontributetograndchildren(ifappropriate).

• EmployeeBenefitsOptimization:Wewillprovidereviewandanalysisastowhetheryou,asanemployee,aretakingthemaximumadvantagepossibleofyouremployeebenefits.Ifyouareabusinessowner,wewillconsiderand/orrecommendthevariousbenefitprogramsthatcanbestructuredtomeetbothbusinessandpersonalretirementgoals.

• EstatePlanning:Thisusuallyincludesananalysisofyourexposuretoestatetaxesandyourcurrentestateplan,whichmayincludewhetheryouhaveawill,powersofattorney,trustsandotherrelateddocuments.Ouradvicealsotypicallyincludeswaysforyoutominimizeoravoidfutureestatetaxesbyimplementingappropriateestateplanningstrategiessuchastheuseofapplicabletrusts.Wealwaysrecommendthatyouconsultwithaqualifiedattorneywhenyouinitiate,update,orcompleteestateplanningactivities.Wemayprovideyouwithcontactinformationforattorneyswhospecializeinestateplanningwhenyouwishtohireanattorneyforsuchpurposes.Fromtime-to-time,wewillparticipateinmeetingsorphonecallsbetweenyouandyourattorneywithyourapprovalorrequest.

• FinancialGoals:Wewillhelpclientsidentifyfinancialgoalsanddevelopaplantoreachthem.Wewillidentifywhatyouplantoaccomplish,whatresourcesyouwillneedtomakeithappen,howmuchtimeyouwillneedtoreachthegoal,andhowmuchyoushouldbudgetforyourgoal.

• Insurance:Reviewofexistingpoliciestoensurepropercoverageforlife,health,disability,long-termcare,liability,homeandautomobile.

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• InvestmentAnalysis:Thismayinvolvedevelopinganassetallocationstrategytomeetclients’financialgoalsandrisktolerance,providinginformationoninvestmentvehiclesandstrategies,reviewingemployeestockoptions,aswellasassistingyouinestablishingyourowninvestmentaccountataselectedbroker/dealerorcustodian.ThestrategiesandtypesofinvestmentswemayrecommendarefurtherdiscussedinItem8ofthisbrochure.

• RetirementPlanning:Ourretirementplanningservicestypicallyincludeprojectionsofyourlikelihoodofachievingyourfinancialgoals,typicallyfocusingonfinancialindependenceastheprimaryobjective.Forsituationswhereprojectionsshowlessthanthedesiredresults,wemaymakerecommendations,includingthosethatmayimpacttheoriginalprojectionsbyadjustingcertainvariables(e.g.,workinglonger,savingmore,spendingless,takingmoreriskwithinvestments).Ifyouarenearretirementoralreadyretired,advicemaybegivenonappropriatedistributionstrategiestominimizethelikelihoodofrunningoutofmoneyorhavingtoadverselyalterspendingduringyourretirementyears.

• RiskManagement:Ariskmanagementreviewincludesananalysisofyourexposuretomajorrisksthatcouldhaveasignificantlyadverseeffectonyourfinancialpicture,suchasprematuredeath,disability,propertyandcasualtylosses,ortheneedforlong-termcareplanning.Advicemaybeprovidedonwaystominimizesuchrisksandaboutweighingthecostsofpurchasinginsuranceversusthebenefitsofdoingsoand,likewise,thepotentialcostofnotpurchasinginsurance(“self-insuring”).

• TaxPlanningStrategies:Advicemayincludewaystominimizecurrentandfutureincometaxesasapartofyouroverallfinancialplanningpicture.Forexample,wemaymakerecommendationsonwhichtypeofaccount(s)orspecificinvestmentsshouldbeownedbasedinpartontheir“taxefficiency,”withconsiderationthatthereisalwaysapossibilityoffuturechangestofederal,stateorlocaltaxlawsandratesthatmayaffectyoursituation.Werecommendthatyouconsultwithaqualifiedtaxprofessionalbeforeinitiatinganytaxplanningstrategy,andwemayprovideyouwithcontactinformationforaccountantsorattorneyswhospecializeinthisareaifyouwishtohiresomeoneforsuchpurposes.Wewillparticipateinmeetingsorphonecallsbetweenyouandyourtaxprofessionalwithyourapproval.

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ComprehensiveFinancialPlanning

Thisserviceinvolvesworkingone-on-onewithaplanneroveranextendedperiodoftime.Bypayingamonthlyretainer,clientsgetcontinuousaccesstoaplannerwhowillworkwiththemtodesigntheirplan.Theplannerwillmonitortheplan,recommendanychangesandensuretheplanisuptodate.

Upondesiringacomprehensiveplan,aclientwillbetakenthroughestablishingtheirgoalsandvaluesaroundmoney.Theywillberequiredtoprovideinformationtohelpcompletethefollowingareasofanalysis:networth,cashflow,insurance,creditscores/reports,employeebenefit,retirementplanning,insurance,investments,collegeplanningandestateplanning.Oncetheclient’sinformationisreviewed,theirplanwillbebuiltandanalyzed,andthenthefindings,analysisandpotentialchangestotheircurrentsituationwillbereviewedwiththeclient.Clientssubscribingtothisservicewillreceiveawrittenoranelectronicreport,providingtheclientwithadetailedfinancialplandesignedtoachievehisorherstatedfinancialgoalsandobjectives.Ifafollowupmeetingisrequired,wewillmeetattheclient'sconvenience.Theplanandtheclient’sfinancialsituationandgoalswillbemonitoredthroughouttheyearandfollow-upphonecallsandemailswillbemadetotheclienttoconfirmthatanyagreeduponactionstepshavebeencarriedout.Onanannualbasistherewillbeafullreviewofthisplantoensureitsaccuracyandongoingappropriateness.Anyneededupdateswillbeimplementedatthattime.

EducationalWorkshops&Seminars

Weofferperiodicfinancialeducationalsessionstoorganizationsandthepubliconavarietyoffinancialtopics.Topicsmayincludeissuesrelatedtofinancialplanning,collegefunding,estateplanning,retirementstrategies,thefinancialimplicationsofmarriageordivorce,orvariousothereconomicandinvestmenttopics.Oursessionsareeducationalinnatureanddonotinvolvethesaleofinsuranceorinvestmentproducts.Informationpresentedwillnotbebasedonanyoneperson’sneednordoweprovideindividualizedinvestmentadvicetoattendeesduringourgeneralsessions.

ClientTailoredServicesandClientImposedRestrictions

Weofferthesamesuiteofservicestoallofourclients.However,specificclientfinancialplansandtheirimplementationaredependentuponaclientInvestmentPolicyStatement,whichoutlineseachclient’scurrentsituation(income,taxlevels,andrisktolerancelevels)andisusedtoconstructaclientspecificplantoaidintheselectionofaportfoliothatmatchesrestrictions,needs,andtargets.

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WrapFeePrograms

Wedonotparticipateinwrapfeeprograms.

Item5:FeesandCompensationPleasenote,unlessaclienthasreceivedthefirm’sdisclosurebrochureatleast48hourspriortosigningtheinvestmentadvisorycontract,theinvestmentadvisorycontractmaybeterminatedbytheclientwithinfive(5)businessdaysofsigningthecontractwithoutincurringanyadvisoryfeesandwithoutpenalty.Howwearepaiddependsonthetypeofadvisoryserviceweareperforming.Pleasereviewthefeeandcompensationinformationbelow.

ComprehensiveFinancialPlanning

Comprehensive Financial Planning consists of an upfront charge ranging from $750.00 to$3,500.00 and an ongoing fee that is paid monthly, in advance, at the rate of $150.00 to$450.00permonth.Thefeemaybenegotiableincertaincases.Thisservicemaybeterminatedwith2businessdays’notice.Uponterminationofanyaccount,thefeewillbeproratedandanyunearnedfeewillberefundedtotheclient.

FinancialPlanningFixedFee

FinancialPlanningwillgenerallybeofferedonafixedfeebasis.Thefixedfeewillbeagreeduponbeforethestartofanywork.Thefixedfeecanrangebetween$900.00to$5,000.00.Thefeeisnegotiable.Ifafixedfeeprogramischosen,theentirefeeisdueatthebeginningoftheprocess,however,FFSwillnotbillanamountabove$500.00morethan6monthsinadvance.Intheeventofearlytermination,theclientwillbebilledforthehoursworkedatarateof$200.00perhour.Iftheinitialdepositisgreaterthantheamountbilled,thentheclientwillberefundedthedifference.Iftheinitialdepositisless,thentheclientwillbebilledthedifference.

FinancialPlanningHourlyFee

FinancialPlanningfeeisanhourlyratebetween$150.00and$300.00perhour,dependingoncomplexity.Thefeemaybenegotiableincertaincasesandisdueatthecompletionofthe

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engagement.Intheeventofearlyterminationbyclient,anyfeesforthehoursalreadyworkedwillbedue.EducationalWorkshops&Seminars

Theremaybeafeeforeducationalworkshopsandseminars.Feeswillbefixedandbasedonmaterialcostsandinternalestimatesforpreparationandpresentationtimeat$150perhour.Educationalworkshopandseminarattendeesmaybeassessedaper-sessionfeerangingfromfreeto$500.Thefeewillbeannouncedinadvanceoftheworkshopandwillbedeterminedbythelengthoftheevent,thenumberandexpertiseofthepresentersinvolved,inadditiontowhetherornoteducationalmaterialsarebeingprovided.

OtherTypesofFeesandExpenses

Whenimplementinganinvestmentrecommendation,theclientmayincuradditionalfeessuchasbrokeragecommissions,transactionfees,andotherrelatedcostsandexpenses.Clientsmayincurcertainchargesimposedbybroker-dealers,andotherthirdpartiessuchascustodialfees,deferred sales charges, odd-lot differentials, transfer taxes,wire transfer andelectronic fundfees,andotherfeesandtaxesonbrokerageaccountsandsecuritiestransactions.Mutualfundand exchange traded funds also charge internalmanagement fees, which are disclosed in afund’sprospectus.Suchcharges,feesandcommissionsareexclusiveofandinadditiontoourfee,andweshallnotreceiveanyportionofthesecommissions,fees,andcosts.

Item12furtherdescribesthefactorsthatweconsiderinselectingorrecommendingbroker-dealersforclient’stransactionsanddeterminingthereasonablenessoftheircompensation(e.g.,commissions).

Wedonotacceptcompensationforthesaleofsecuritiesorotherinvestmentproductsincludingasset-basedsaleschargesorservicefeesfromthesaleofmutualfunds.

Item6:Performance-BasedFeesandSide-By-SideManagementWedonotofferperformance-basedfees.

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Item7:TypesofClientsWeprovidefinancialplanningservicestoindividuals.

Wedonothaveaminimumaccountsizerequirement.

Item8:MethodsofAnalysis,InvestmentStrategiesandRiskofLossWhenclientshaveuscompleteanInvestmentAnalysis(describedinItem4ofthisbrochure)aspartoftheirfinancialplan,ourprimaryinvestmentstrategyispassiveinvestment.

PassiveInvestmentManagement

We primarily practice passive investment management. Passive investing involves buildingportfoliosthatarecomprisedofvariousdistinctassetclasses.Theassetclassesareweightedinamanner to achieve a desired relationship between correlation, risk and return. Funds thatpassivelycapturethereturnsofthedesiredassetclassesareplacedintheportfolio.Thefundsthatareused tobuildpassiveportfoliosare typically indexmutual fundsorexchange tradedfunds.

Passive investment management is characterized by low portfolio expenses (i.e. the fundsinside theportfoliohave low internalcosts),minimal tradingcosts (dueto infrequent tradingactivity),andrelativetaxefficiency(becausethefundsinsidetheportfolioaretaxefficientandturnoverinsidetheportfolioisminimal).

In contrast, active management involves a single manager or managers who employ somemethod,strategyortechniquetoconstructaportfoliothatisintendedtogeneratereturnsthataregreaterthanthebroadermarketoradesignatedbenchmark.Academicresearchindicatesmostactivemanagersunderperformthemarket.

MaterialRisksInvolved

FFSdoesnotprovideinvestmentmanagement,howeverinvestmentrecommendationsmaybemadeaspartofthefinancialplanningservice.Allinvestingstrategiesweofferinvolveriskand

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mayresultinalossofyouroriginalinvestmentwhichyoushouldbepreparedtobear.Manyoftheserisksapplyequallytostocks,bonds,commoditiesandanyotherinvestmentorsecurity.Materialrisksassociatedwithourinvestmentstrategiesarelistedbelow.

MarketRisk:Marketriskinvolvesthepossibilitythataninvestment’scurrentmarketvaluewillfallbecauseofageneralmarketdecline,reducingthevalueoftheinvestmentregardlessoftheoperationalsuccessoftheissuer’soperationsoritsfinancialcondition.

StrategyRisk:TheAdviser’sinvestmentstrategiesand/orinvestmenttechniquesmaynotworkasintended.

SmallandMediumCapCompanyRisk:Securitiesofcompanieswithsmallandmediummarketcapitalizationsareoftenmorevolatileandlessliquidthaninvestmentsinlargercompanies.Smallandmediumcapcompaniesmayfaceagreaterriskofbusinessfailure,whichcouldincreasethevolatilityoftheclient’sportfolio.

TurnoverRisk:Attimes,thestrategymayhaveaportfolioturnoverratethatishigherthanotherstrategies.Ahighportfolioturnoverwouldresultincorrespondinglygreaterbrokeragecommissionexpensesandmayresultinthedistributionofadditionalcapitalgainsfortaxpurposes.Thesefactorsmaynegativelyaffecttheaccount’sperformance.

Limitedmarkets:Certainsecuritiesmaybelessliquid(hardertosellorbuy)andtheirpricesmayattimesbemorevolatilethanatothertimes.Undercertainmarketconditionswemaybeunabletosellorliquidateinvestmentsatpricesweconsiderreasonableorfavorable,orfindbuyersatanyprice.

ConcentrationRisk:Certaininvestmentstrategiesfocusonparticularasset-classes,industries,sectorsortypesofinvestment.Fromtimetotimethesestrategiesmaybesubjecttogreaterrisksofadversedevelopmentsinsuchareasoffocusthanastrategythatismorebroadlydiversifiedacrossawidervarietyofinvestments.

InterestRateRisk:Bond(fixedincome)pricesgenerallyfallwheninterestratesrise,andthevaluemayfallbelowparvalueortheprincipalinvestment.Theoppositeisalsogenerallytrue:bondpricesgenerallyrisewheninterestratesfall.Ingeneral,fixedincomesecuritieswithlongermaturitiesaremoresensitivetothesepricechanges.Mostotherinvestmentsarealsosensitivetothelevelanddirectionofinterestrates.

LegalorLegislativeRisk:LegislativechangesorCourtrulingsmayimpactthevalueofinvestments,orthesecurities’claimontheissuer’sassetsandfinances.

Inflation:Inflationmayerodethebuying-powerofyourinvestmentportfolio,evenifthedollarvalueofyourinvestmentsremainsthesame.

PassiveInvesting:Aportfoliowhichemploysapassive,efficientmarketsapproachhasthepotentialriskattimestogeneratelower-than-expectedreturnsforthebroaderallocationthan

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mightbethecaseforamorenarrowlyfocusedassetclass,andthereturnoneachtypeofassetmaybedeviationfromtheaveragereturnfortheassetclass.

RisksAssociatedwithSecurities

Apartfromthegeneralrisksoutlinedabovewhichapplytoalltypesofinvestments,specificsecuritiesmayhaveotherrisks.

Commonstocksmaygoupanddowninpricequitedramatically,andintheeventofanissuer’sbankruptcyorrestructuringcouldloseallvalue.Aslower-growthorrecessionaryeconomicenvironmentcouldhaveanadverseeffectonthepriceofallstocks.

CorporateBondsaredebtsecuritiestoborrowmoney.Generally,issuerspayinvestorsperiodicinterestandrepaytheamountborrowedeitherperiodicallyduringthelifeofthesecurityand/oratmaturity.Alternatively,investorscanpurchaseotherdebtsecurities,suchaszerocouponbonds,whichdonotpaycurrentinterest,butratherarepricedatadiscountfromtheirfacevaluesandtheirvaluesaccreteovertimetofacevalueatmaturity.Themarketpricesofdebtsecuritiesfluctuatedependingonsuchfactorsasinterestrates,creditquality,andmaturity.Ingeneral,marketpricesofdebtsecuritiesdeclinewheninterestratesriseandincreasewheninterestratesfall.Thelongerthetimetoabond’smaturity,thegreateritsinterestraterisk.

BankObligationsincludingbondsandcertificatesofdepositmaybevulnerabletosetbacksorpanicsinthebankingindustry.BanksandotherfinancialinstitutionsaregreatlyaffectedbyinterestratesandmaybeadverselyaffectedbydownturnsintheU.S.andforeigneconomiesorchangesinbankingregulations.

MunicipalBondsaredebtobligationsgenerallyissuedtoobtainfundsforvariouspublicpurposes,includingtheconstructionofpublicfacilities.Municipalbondspayalowerrateofreturnthanmostothertypesofbonds.However,becauseofamunicipalbond’stax-favoredstatus,investorsshouldcomparetherelativeafter-taxreturntotheafter-taxreturnofotherbonds,dependingontheinvestor’staxbracket.Investinginmunicipalbondscarriesthesamegeneralrisksasinvestinginbondsingeneral.Thoserisksincludeinterestraterisk,reinvestmentrisk,inflationrisk,marketrisk,callorredemptionrisk,creditrisk,andliquidityandvaluationrisk.

ExchangeTradedFundspricesmayvarysignificantlyfromtheNetAssetValueduetomarketconditions.CertainExchangeTradedFundsmaynottrackunderlyingbenchmarksasexpected.

InvestmentCompaniesRisk.WhenaclientinvestsinopenendmutualfundsorETFs,theclientindirectlybearsitsproportionateshareofanyfeesandexpensespayabledirectlybythosefunds.Therefore,theclientwillincurhigherexpenses,manyofwhichmaybeduplicative.In

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addition,theclient’soverallportfoliomaybeaffectedbylossesofanunderlyingfundandthelevelofriskarisingfromtheinvestmentpracticesofanunderlyingfund(suchastheuseofderivatives).ETFsarealsosubjecttothefollowingrisks:(i)anETF’ssharesmaytradeatamarketpricethatisaboveorbelowtheirnetassetvalue;(ii)theETFmayemployaninvestmentstrategythatutilizeshighleverageratios;or(iii)tradingofanETF’ssharesmaybehaltedifthelistingexchange’sofficialsdeemsuchactionappropriate,thesharesarede-listedfromtheexchange,ortheactivationofmarket-wide“circuitbreakers”(whicharetiedtolargedecreasesinstockprices)haltsstocktradinggenerally.TheAdviserhasnocontrolovertheriskstakenbytheunderlyingfundsinwhichclientsinvest.

Item9:DisciplinaryInformationCriminalorCivilActions

FFSanditsmanagementhavenotbeeninvolvedinanycriminalorcivilaction.

AdministrativeEnforcementProceedings

FFSanditsmanagementhavenotbeeninvolvedinadministrativeenforcementproceedings.

Self-RegulatoryOrganizationEnforcementProceedings

FFSanditsmanagementhavenotbeeninvolvedinlegalordisciplinaryeventsthatarematerialtoaclient’sorprospectiveclient’sevaluationofFFSortheintegrityofitsmanagement.

Item10:OtherFinancialIndustryActivitiesandAffiliationsNoFFSemployeeisregistered,orhaveanapplicationpendingtoregister,asabroker-dealeroraregisteredrepresentativeofabroker-dealer.

NoFFSemployeeisregistered,orhaveanapplicationpendingtoregister,asafuturescommissionmerchant,commoditypooloperatororacommoditytradingadvisor.

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FFSdoesnothaveanyrelatedparties.Asaresult,wedonothavearelationshipwithanyrelatedparties.

FFSonlyreceivescompensationdirectlyfromclients.Wedonotreceivecompensationfromanyoutsidesource.Wedonothaveanyconflictsofinterestwithanyoutsideparty.

RecommendationsorSelectionsofOtherInvestmentAdvisers

FFSdoesnotrecommendorselectotherinvestmentadvisersforitsclientsanddoesnothaveanyotherbusinessrelationshipswithotheradvisers.

Item11:CodeofEthics,ParticipationorInterestinClientTransactionsandPersonalTradingAsafiduciary,ourfirmanditsassociateshaveadutyofutmostgoodfaithtoactsolelyinthebestinterestsofeachclient.Ourclientsentrustuswiththeirfundsandpersonalinformation,whichinturnplacesahighstandardonourconductandintegrity.OurfiduciarydutyisacoreaspectofourCodeofEthicsandrepresentstheexpectedbasisofallofourdealings.ThefirmalsoadherestotheCodeofEthicsandProfessionalResponsibilityadoptedbytheCFP®BoardofStandardsInc.,andacceptstheobligationnotonlytocomplywiththemandatesandrequirementsofallapplicablelawsandregulationsbutalsototakeresponsibilitytoactinanethicalandprofessionallyresponsiblemannerinallprofessionalservicesandactivities.

CodeofEthicsDescription

Thiscodedoesnotattemptto identifyallpossibleconflictsof interest,andliteralcompliancewitheachofitsspecificprovisionswillnotshieldassociatedpersonsfromliabilityforpersonaltradingor other conduct that violates a fiduciary duty to advisory clients. A summaryof theCodeofEthics'Principlesisoutlinedbelow.

• Integrity-Associatedpersonsshallofferandprovideprofessionalserviceswithintegrity.

• Objectivity-Associatedpersonsshallbeobjective inprovidingprofessionalservicestoclients.

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• Competence - Associated persons shall provide services to clients competently andmaintainthenecessaryknowledgeandskilltocontinuetodosointhoseareasinwhichtheyareengaged.

• Fairness-Associatedpersonsshallperformprofessionalservicesinamannerthatisfairand reasonable to clients, principals, partners, and employers, and shall discloseconflict(s)ofinterestinprovidingsuchservices.

• Confidentiality - Associated persons shall not disclose confidential client informationwithoutthespecificconsentoftheclientunlessinresponsetoproperlegalprocess,orasrequiredbylaw.

• Professionalism - Associated persons’ conduct in all matter shall reflect credit of theprofession.

• Diligence-Associatedpersonsshallactdiligentlyinprovidingprofessionalservices.

WeperiodicallyreviewandamendourCodeofEthicstoensurethatitremainscurrent,andwerequireallfirmaccesspersonstoattesttotheirunderstandingofandadherencetotheCodeofEthics at least annually. Our firm will provide of copy of its Code of Ethics to any client orprospectiveclientuponrequest.

Investment Recommendations Involving a Material Financial InterestandConflictsofInterest

Neitherourfirm,itsassociatesoranyrelatedpersonisauthorizedtorecommendtoaclient,oreffectatransactionforaclient,involvinganysecurityinwhichourfirmorarelatedpersonhasamaterialfinancialinterest,suchasinthecapacityasanunderwriter,advisertotheissuer,etc.

AdvisoryFirmPurchaseofSameSecuritiesRecommendedtoClientsandConflictsofInterest

Ourfirmandits“relatedpersons”donotinvestinthesamesecurities,orrelatedsecurities,e.g.,warrants,optionsorfutures,whichwerecommendtoclients.

TradingSecuritiesat/AroundtheSameTimeasClient’sSecurities

Becauseourfirmandits“relatedpersons”donotinvestinthesamesecurities,orrelatedsecurities,e.g.,warrants,optionsorfutures,whichwerecommendtoclients,wedonottradeinsecuritiesatoraroundthesametimeasclients.

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Item12:BrokeragePracticesFactorsUsedtoSelectCustodiansand/orBroker-Dealers

FordFinancialSolutions,LLCdoesnothaveanyaffiliationwithBroker-Dealers.Specificcustodianrecommendationsaremadetoclientbasedontheirneedforsuchservices.Werecommendcustodiansbasedonthereputationandservicesprovidedbythefirm.

1.ResearchandOtherSoft-DollarBenefits

Wecurrentlydonotreceivesoftdollarbenefits.

2.BrokerageforClientReferrals

Wereceivenoreferralsfromabroker-dealerorthirdpartyinexchangeforusingthatbroker-dealerorthirdparty.

3.ClientsDirectingWhichBroker/Dealer/CustodiantoUse

Asafeeonlyfinancialplannerwhodoesnotofferinvestmentmanagementservices,wedonothaveaconcernoverwhichbroker-dealersaclientmaychooseinordertoimplementourinvestmentrecommendations.

Aggregating(Block)TradingforMultipleClientAccounts

SomeRegisteredInvestmentAdvisersexecuteclientaccountsonanaggregatedbasisasawaytolowerexpenses.Asafeeonlyfinancialplannerwhodoesnotofferinvestmentmanagementservices,wedonotexecutetradesonbehalfofclients.Asaresult,itisuptotheclienttonegotiatetheirowntradingcostswiththeirbroker-dealer.

Item13:ReviewofAccountsJulieE.Ford,OwnerandCCOofFFS,willworkwithclientstoobtaincurrentinformationregardingtheirassetsandinvestmentholdingsandwillreviewthisinformationaspartofourfinancialplanningservices.FFSdoesnotprovidespecificreportstoclients,otherthanfinancialplans.

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Item14:ClientReferralsandOtherCompensationWedonotreceiveanyeconomicbenefit,directlyorindirectlyfromanythirdpartyforadvicerenderedtoourclients.Nordowedirectlyorindirectlycompensateanypersonwhoisnotadvisorypersonnelforclientreferrals.

Item15:CustodyFFSdoesnotacceptcustodyofclientfunds.

Item16:InvestmentDiscretionWedonotprovideinvestmentmanagementservices,andthereforedonotexercisediscretion.

Item17:VotingClientSecuritiesFFSdoesnotprovideinvestmentmanagementservicesanddoesnotvoteclientsecurities.Therefore,Clientsmaintainexclusiveresponsibilityfor:(1)votingproxies,and(2)actingoncorporateactionspertainingtotheClient’sinvestmentassets.TheClientshallinstructtheClient’squalifiedcustodiantoforwardtotheClientcopiesofallproxiesandshareholdercommunicationsrelatingtotheClient’sinvestmentassets.Iftheclientwouldlikeouropiniononaparticularproxyvote,theymaycontactusatthenumberlistedonthecoverofthisbrochure.

Inmostcases,youwillreceiveproxymaterialsdirectlyfromtheaccountcustodian.However,intheeventweweretoreceiveanywrittenorelectronicproxymaterials,wewouldforwardthemdirectlytoyoubymail,unlessyouhaveauthorizedourfirmtocontactyoubyelectronicmail,inwhichcase,wewouldforwardyouanyelectronicsolicitationtovoteproxies.

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Item18:FinancialInformationRegisteredInvestmentAdvisersarerequiredinthisItemtoprovideyouwithcertainfinancialinformationordisclosuresaboutourfinancialcondition.Wehavenofinancialcommitmentthatimpairsourabilitytomeetcontractualandfiduciarycommitmentstoclients,andwehavenotbeenthesubjectofabankruptcyproceeding.

Wedonothavecustodyofclientfundsorsecuritiesorrequireorsolicitprepaymentofmorethan$500infeesperclientsixmonthsinadvance.

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Item19:RequirementsforState-RegisteredAdvisersJulieE.Ford,CFP®

Born:1983

EducationalBackground

• 2007–BachelorofBusinessAdministrationinAccountancy,TexasA&MUniversity• 2007–MastersinScienceinAccountancy,TexasA&MUniversity

BusinessExperience

• 03/2015–Present,FordFinancialSolutions,LLC,OwnerandCCO• 03/2010–07/2012,KramerFinancialGroup,LLC,DirectorofClientServices• 09/2009–03/2010,LesavoyFinancialPerspectives,Inc.,Associate• 07/2007–09/2009,Ernst&Young,LLP,SeniorAccountant

ProfessionalDesignations,Licensing&Exams

CFP(CertifiedFinancialPlanner)®:CFP®certificantsmusthaveaminimumofthreeyears’workplace experience in financial planning and develop their theoretical and practicalfinancialplanningknowledgebycompletingacomprehensivecourseofstudyapprovedbyCFP® Board. They must pass a comprehensive 2-day, 10-hour CFP® CertificationExamination that tests theirability toapply financialplanningknowledge inan integratedformat.Asafinalsteptocertification,CFP®practitionersagreetoabidebyastrictcodeofprofessionalconduct.

CPA(CertifiedPublicAccountant):CPAsarelicensedandregulatedbytheirstateboardsofaccountancy.Whilestatelawsandregulationsvary,theeducation,experienceandtestingrequirementsforlicensureasaCPAgenerallyincludeminimumcollegeeducation(typically150credithourswithat leastabaccalaureatedegreeandaconcentration inaccounting),minimumexperience levels (moststatesrequireat leastoneyearofexperienceprovidingservices that involve the use of accounting, attest, compilation, management advisory,financial advisory, tax or consulting skills, all of which must be achieved under thesupervision of or verification by a CPA), and successful passage of the Uniform CPAExamination.InordertomaintainaCPAlicense,statesgenerallyrequirethecompletionof40hoursofcontinuingprofessionaleducation(CPE)eachyear(or80hoursoveratwo-yearperiod or 120 hours over a three-year period). Additionally, all American Institute of

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Certified Public Accountants (AICPA)members are required to follow a rigorous Code ofProfessional Conduct which requires that they act with integrity, objectivity, due care,competence, fullydiscloseany conflictsof interest (andobtain client consent if a conflictexists),maintainclientconfidentiality,disclosetotheclientanycommissionorreferralfees,andserve thepublic interestwhenproviding financial services.Thevastmajorityof stateboardsofaccountancyhaveadoptedtheAICPA’sCodeofProfessionalConductwithintheirstateaccountancylawsorhavecreatedtheirown.

OtherBusinessActivitiesJulieE.Fordisnotinvolvedwithoutsidebusinessactivities.

PerformanceBasedFees

FFSisnotcompensatedbyperformance-basedfees.

MaterialDisciplinaryDisclosures

NomanagementpersonatFordFinancialSolutions,LLChaseverbeeninvolvedinanarbitrationclaimofanykindorbeenfoundliableinacivil,self-regulatoryorganization,oradministrativeproceeding.

MaterialRelationshipsThatManagementPersonsHavewithIssuersofSecurities

FordFinancialSolutions,LLC,norJulieE.Ford,haveanyrelationshiporarrangementwithissuersofsecurities.

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FordFinancialSolutions,LLC

POBox109NewYork,NY10024(212)799–0631

www.fordfinancialsolutions.com

DatedJanuary17,2017

FormADVPart2B–BrochureSupplementFor

JulieE.Ford,CFP®

Owner,andChiefComplianceOfficer

ThisbrochuresupplementprovidesinformationaboutJulieE.FordthatsupplementstheFordFinancial Solutions, LLC (“FFS”) brochure.A copyof that brochureprecedes this supplement.PleasecontactJulieE.Ford if theFFSbrochure isnot includedwiththissupplementor ifyouhaveanyquestionsaboutthecontentsofthissupplement.

AdditionalinformationaboutJulieE.FordisavailableontheSEC’swebsiteatwww.adviserinfo.sec.govwhichcanbefoundusingtheidentificationnumber5551913.

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Item2:EducationalBackgroundandBusinessExperienceJulieE.Ford,CFP®

Born:1983

EducationalBackground

• 2007–BachelorofBusinessAdministrationinAccountancy,TexasA&MUniversity• 2007–MastersinScienceinAccountancy,TexasA&MUniversity

BusinessExperience

• 03/2015–Present,FordFinancialSolutions,LLC,OwnerandCCO• 03/2010–07/2012,KramerFinancialGroup,LLC,DirectorofClientServices• 09/2009–03/2010,LesavoyFinancialPerspectives,Inc.,Associate• 07/2007–09/2009,Ernst&Young,LLP,SeniorAccountant

ProfessionalDesignations,Licensing&Exams

CFP (Certified Financial Planner) ®: CFP® certificants must have a minimum of three years’workplace experience in financial planning and develop their theoretical and practical financialplanningknowledgebycompletingacomprehensivecourseofstudyapprovedbyCFPBoard.Theymustpassacomprehensive2-day,10-hourCFP®CertificationExaminationthatteststheirabilitytoapply financialplanningknowledge inan integrated format. Asa finalsteptocertification,CFP®practitionersagreetoabidebyastrictcodeofprofessionalconduct.

CPA (Certified Public Accountant): CPAs are licensed and regulated by their state boards ofaccountancy. While state laws and regulations vary, the education, experience and testingrequirements for licensure as a CPA generally includeminimum college education (typically 150credit hourswith at least a baccalaureate degree and a concentration in accounting),minimumexperience levels (most states require at least one year of experience providing services thatinvolvetheuseofaccounting,attest,compilation,managementadvisory,financialadvisory,taxorconsultingskills,allofwhichmustbeachievedunderthesupervisionoforverificationbyaCPA),andsuccessfulpassageoftheUniformCPAExamination.InordertomaintainaCPAlicense,statesgenerallyrequirethecompletionof40hoursofcontinuingprofessionaleducation(CPE)eachyear(or 80 hours over a two-year period or 120 hours over a three-year period). Additionally, allAmerican Institute of Certified Public Accountants (AICPA) members are required to follow arigorousCodeofProfessionalConductwhichrequiresthattheyactwithintegrity,objectivity,due

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care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflictexists),maintainclientconfidentiality,disclose to theclientanycommissionor referral fees,andserve the public interestwhen providing financial services. The vastmajority of state boards ofaccountancy have adopted the AICPA’s Code of Professional Conduct within their stateaccountancylawsorhavecreatedtheirown.

Item3:DisciplinaryInformationNomanagementpersonatFordFinancialSolutions,LLChaseverbeeninvolvedinanarbitrationclaimofanykindorbeenfoundliableinacivil,self-regulatoryorganization,oradministrativeproceeding.

Item4:OtherBusinessActivitiesJulieE.Fordisnotinvolvedwithoutsidebusinessactivities.

Item5:AdditionalCompensationJulie E. Ford does not receive any economic benefit from any person, company, or organization, inexchangeforprovidingclientsadvisoryservicesthroughFFS.

Item6:SupervisionJulieE.Ford,asOwnerandChiefComplianceOfficerofFFS,isresponsibleforsupervision.Shemaybecontactedatthephonenumberonthisbrochuresupplement.

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Item7:RequirementsforStateRegisteredAdvisersJulieE.FordhasNOTbeeninvolvedinanarbitration,civilproceeding,self-regulatoryproceeding,administrativeproceeding,orabankruptcypetition.