Form CRS Customer Relationship Summary

We offer brokerage services through Registered Representatives ("RR"). Brokerage services include accounts and services offered through a clearing firm as well as accounts direct with product companies such as insurance and mutual fund companies. Our brokerage services include:

• Taking customer orders and executing securities transactions based on customer instructions.
• Providing investor education, research, financial tools, and personalized information about financial products and services, including recommendations about whether to buy, sell or hold securities.
• Custodial services where appropriate.
• When Geneos acts as your broker-dealer, Geneos and its RR's do not have discretion to buy and sell securities for you. In other words, Geneos will only place transactions in brokerage accounts and/or direct product company accounts upon approval from you. You will make individual buy, sell, and hold decisions in your Geneos brokerage account and/or direct product company account.
• Unlike a Geneos advisory account, in a Geneos brokerage account and/or a direct product company account, Geneos and its RR's do not provide ongoing monitoring of customer accounts.
• Geneos does not require a minimum amount to open a Geneos brokerage account or a direct product company account.

We offer advisory services through Investment Advisor Representatives ("IAR"). Our advisory services include:

• Services to retail investors for an ongoing fee based on the value of cash and investments in your account. We also offer fixed fee and one-time Financial Planning Fees. Our two primary management options are the VIP Ultra and Axiom programs.
• Our advisory services include wealth management, financial planning, consultations on wealth transfer, estate planning, tax planning, retirement planning, education funding, and charitable gifting.
• We will meet with you to understand your current financial situation, existing resources, goals, and risk Based on what we learn, we will recommend a portfolio of investments that is regularly monitored, and if necessary, rebalanced to meet your changing needs, stated goals and objectives.
• Our accounts are managed on a discretionary basis. We do not need to contact you when buying or selling in your account. You will sign a client services agreement giving us this authority, which will remain in place until you or we terminate the relationship. See https://adviserinfo.sec.gov/firm/summary/120894
• Geneos does not require a minimum amount to open a Geneos advisory account. Axiom accounts require a minimum of $5,000.
• We are limited to using ourselves as a broker‑dealer and any custodian that we have approved for advisory activities.

• Depending on what you buy or sell, you may pay commissions, sales charges, and/or administrative fees. In addition, you pay transaction-based fees on the purchase or sale of certain equity and fixed-income products. The investments within your non-ERISA plan also may have ongoing expenses such as distribution and/or services fees (12b-1 fees), trail and renewal commissions that reduce your investment returns.
• We and our financial professionals get paid when you trade or invest based on our recommendations. We are paid each time you trade in your brokerage account or make a new investment. We also pay our financial professionals most of the transaction-based payments that we receive. These transaction-based payments, usually called commissions, incentivize us and your financial professional to encourage you to trade more or purchase additional investments that result in additional revenue for our Firm and your RR. When you purchase products, such as certain mutual funds, 529 plans, closed-end funds at public offering, UITs, and variable insurance products, the sponsor company will pay a commission to us. Although you do not pay this commission directly, the sponsor factors this commission into the product's fees and costs. In this way, you indirectly pay the commission out of the value of your investments.
• Geneos also offers annuity products. Geneos and its RRs and IARs may have a financial incentive to offer a contract that includes optional benefit features, which may entail additional fees in addition to the base fee associated with the contract. Geneos may also encourage contract owners to select investment options with relatively higher fees, or may offer you a new contract in place of the one you already have.
• In addition to transaction related fees, you also may pay other administrative account fees for various services provided within the account. A complete schedule of these administrative account fees is available at: www.geneoswealth.com/disclosures.
• Geneos receives a portion of many of the account fees you pay.

Financial Planning Services (Plans and Consultations).

• Negotiated between you and your Investment Advisor Representative ("IAR") in advance and set forth in your contract.
• You may be charged as a one-time fixed fee, an hourly fee, or a fixed periodic fee.

Asset Management Services.

• Fees for investment advisory services are based on a percentage of assets under management. The greater the assets you have in your advisory accounts, the more fees you will pay and, thus, Geneos and its IARs may have an incentive to encourage you to increase assets in the account.
• Fees are negotiated between you and your IAR and will be disclosed in your agreement.
• Fees range from 0.50% to 2.50%. Minimum account fee is 0.50% or 50 basis points and we may accept accounts with a lower fee at our discretion.
• Our wrap fee programs, VIP Ultra and Axiom, charge a combined fee for management and transactions, as disclosed in each program's Wrap Fee Disclosure Brochure. This combined fee for management and transactions may be higher than some traditional management programs.
• You may incur other charges imposed by third parties such as custodians, including but not limited to, confirmation fees, mutual fund 12b‑1 distribution fees, sub accounting fees, contingent deferred sales charges, variable annuity fees and surrender charges, short term redemption fees, qualified retirement plan fees, account maintenance fees, mutual fund management fees and investment management fees. Please see www.geneoswealth.com/disclosures for full detail regarding third-party fees.
• We may act as a solicitor for other RIA's. Sometimes they may be referred to as Third Party Money Managers (TPMM). In this solicitor arrangement we will receive a portion of the fee the TPMM will charge you. This varies and will be identified in the TPMM's Form ADV.