Q4 Newsletter

Melanie Colusci*, CFP^®,CEPA^® ,AEP^®

November 14, 2025

Contact

Office: 412-733-4016

Fax: 412-733-4070

381 Mansfield Avenue

Suite 400

Pittsburgh, PA 15220

info@bridgerfinancialgroup.com

Check the background of your financial professional on FINRA's BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Bridger Financial Group is a dba of Strategic Alliance Systems, LLC.

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Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 800-873-7637, www.htk.com, Any other business entity or name that your financial professional markets their securities and advisory services under is not affiliated with HTK.The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.

We are insurance and securities licensed in our resident state of PA, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.

Melanie Colusci CA Insurance# G29689

LEAP®, Financial Junk Drawer™, and Protection, Savings, and Growth (PS&G) Model® are trademarks and service marks of Leap Systems, LLC which is an independent affiliate of the Penn Mutual Life Insurance Company (PML). Trademarks belong to their respective owners. It is important to note that the implementation of any strategies provided as a part of LEAP is designed to help find tax inefficiencies and aid one in reaching their financial goals, but no assurance can be made that these goals will in fact be reached. Individual results may vary.

Investing involves risk, including loss of value. Insurance and other financial products and services may be subject to certain terms, conditions and costs not identified within the enclosed material. Any strategies represented are not guarantees of future performance or success, and may not be appropriate for your situation.

**The Five Star Wealth Manager Award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1) Credentialed as an investment advisory representative (IAR) or a registered investment advisor; 2) Actively employed as a credentialed professional in the financial services industry for a minimum of five years; 3) Favorable regulatory and complaint history review; 4) Fulfilled their firm review based on internal firm standards; 5) Accepting new clients; 6) One-year client retention rate; 7) Five-year client retention rate; 8) Non-institutionalized discretionary and/or non-discretionary client assets administered; 9) Number of client households served; 10) Educational and professional designations. Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may opt to purchase additional profile ad space or related award promotional products. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s future performance. 1726 Pittsburgh Wealth Managers were considered for the award; 453 (approximately 27 percent of the award candidates) were named Five Star Wealth Managers. To qualify as having a favorable regulatory and complaint history for this award, the person cannot have (1) been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine, (2) had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, (3) individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, (4) filed for bankruptcy, or (5) been convicted of a felony.

Information Privacy Notice

The privacy and security of your information is important to us. You can be confident knowing your personal information is secured and kept private, protecting you against potential identity theft and fraud. We encourage you to read this Information Privacy Notice.

Information We Collect

In the normal course of business, we may obtain various types of information about you. This information may include your name, address, contact information, credit card or billing information, and other personal or financial information. We may have originally obtained similar information from affiliated companies we do business with. We call all this information “Customer Data”.

How We Use and Share This Information

We use your Customer Data to contact you about our products or services, billing or other business matters related to you. Without your permission, we do not sell, rent, or share your information to or with any third party not affiliated with or owned by us, except service providers who may assist us in areas such as data storage. We can, however, share and use this information as required by law, by legal processes, by exigent circumstances, or to protect ourselves. We may also use this information to communicate with you about goods and services related to our products and services. We will never give or sell your personal information to be used for the purposes of sending you unsolicited commercial offers (such as spam) from any third party.

Customer Information Security

Because we care about your privacy, we make every reasonable effort to protect your information regardless of the form of storage or transmission. This includes the implementation of administrative, physical and technical safeguards, as well as being InfoSafe Certified to ensure that we are in compliance with government and industry regulations for securing our customer’s personal information. All employees, agents or representatives that act on our behalf are contractually obligated to keep all information deserving legal protection confidential and private. We continue to safeguard your information after you no longer do business with or close your account with us.

Changes

We reserve the right to make changes to this Policy at any time without notice, although we will make reasonable efforts to notify you the Customer before the Policy change takes effect.

Contacting Us

If you have a question concerning personal information we may have collected about you, or related to this Information Privacy Notice, contact us at: info@bridgerfinancialgroup.com