Form ADV

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Item 1: Cover Page

YU Financial Advice, LLC

17295 Chesterfield Airport Road, Suite 200

Chesterfield, MO 63005

Form ADV Part 2A – Firm Brochure

(636) 733-7519

Dated February 5th, 2019

This Brochure provides information about the qualifications and business practices of YU Financial Advice, LLC,

“YU Financial Advice”. If you have any questions about the contents of this Brochure, please contact us at

(636) 733-7519. The information in this Brochure has not been approved or verified by the United States

Securities and Exchange Commission or by any state securities authority.

YU Financial Advice, LLC is registered as an Investment Adviser with the State of Missouri.

Registration of an Investment Adviser does not imply any level of skill or training.

Additional information about YU Financial Advice is available on the SEC’s website at www.adviserinfo.sec.gov

which can be found using the firm’s identification (“CRD”) number 192517.

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Item 2: Material Changes

Since this is the first filing of the Form ADV Part 2A for YU Financial Advice, there is nothing to

report. In the future, any material changes during the year made will be reported here.

Item 3: Table of Contents

Contents

Item 1: Cover Page ..................................................................................................................................... 1

Item 2: Material Changes ........................................................................................................................... 2

Item 3: Table of Contents ........................................................................................................................... 2

Item 4: Advisory Business .......................................................................................................................... 3

Item 5: Fees and Compensation ................................................................................................................. 7

Item 6: Performance-Based Fees and Side-By-Side Management ............................................................. 8

Item 7: Types of Clients .............................................................................................................................. 8

Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ....................................................... 8

Item 9: Disciplinary Information .............................................................................................................. 11

Item 10: Other Financial Industry Activities and Affiliations .................................................................... 11

Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 11

Item 12: Brokerage Practices ................................................................................................................... 12

Item 13: Review of Accounts .................................................................................................................... 13

Item 14: Client Referrals and Other Compensation ................................................................................. 14

Item 15: Custody ...................................................................................................................................... 14

Item 16: Investment Discretion ................................................................................................................ 14

Item 17: Voting Client Securities .............................................................................................................. 14

Item 18: Financial Information ................................................................................................................. 15

Item 19: Requirements for State-Registered Advisers ............................................................................. 15

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Item 4: Advisory Business

Description of Advisory Firm

YU Financial Advice, LLC is registered as an Investment Adviser with the State of Missouri.

We were founded in March 2015. Misook Yu is the principal owner of YU Financial

Advice. Because YU Financial Advice does not manage clients’ investments, its Assets Under

Management are not reported.

Types of Advisory Services

Investment Management Services

We are in the business of providing unbiased advice individually tailored investment portfolios

on a non-discretionary basis. Our firm provides continuous advice to a client regarding the

investment of client funds based on the individual needs of the client, unless one specifically

asks for pay-per-service in which he/she can pay one-time flat fee or hourly service fee.

Through personal discussions in which goals and objectives based on a client's particular

circumstances are established, we develop a client's personal investment policy or an

investment plan with an asset allocation target and create and manage a portfolio based on

that policy and allocation target. During our data-gathering process, we determine the client’s

individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and

discuss a client’s prior investment history, as well as family composition and background.

Account supervision is guided by the stated objectives of the client (i.e., maximum capital

appreciation, growth, income, or growth and income), as well as tax considerations. Clients may

impose reasonable restrictions on investing in certain securities, types of securities, or industry

sectors. Fees pertaining to this service are outlined in Item 5 of this brochure.

Financial Planning

Financial planning is a comprehensive evaluation of a client’s current and future financial state

by using currently known variables to predict future cash flows, asset values and withdrawal

plans. The key defining aspect of financial planning is that through the financial planning

process, all questions, information and analysis will be considered as they impact and are

impacted by the entire financial and life situation of the client. Clients purchasing this service

will receive a written or an electronic report, providing the client with a detailed financial plan

designed to achieve his or her stated financial goals and objectives.

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In general, the financial plan will address any or all of the following areas of concern. The client

and advisor will work together to select the specific areas to cover. These areas may include,

but are not limited to, the following:

• Business Planning: We provide consulting services for clients who currently operate

their own business, are considering starting a business, or are planning for an exit from

their current business. Under this type of engagement, we work with you to assess your

current situation, identify your objectives, and develop a plan aimed at achieving your

goals.

• Cash Flow and Debt Management: We will conduct a review of your income and

expenses to determine your current surplus or deficit along with advice on prioritizing

how any surplus should be used or how to reduce expenses if they exceed your income.

Advice may also be provided on which debts to pay off first based on factors such as the

interest rate of the debt and any income tax ramifications. We may also recommend

what we believe to be an appropriate cash reserve that should be considered for

emergencies and other financial goals, along with a review of accounts (such as money

market funds) for such reserves, plus strategies to save desired amounts.

• College Savings: Includes projecting the amount that will be needed to achieve college

or other post-secondary education funding goals, along with advice on ways for you to

save the desired amount. Recommendations as to savings strategies are included, and, if

needed, we will review your financial picture as it relates to eligibility for financial aid or

the best way to contribute to grandchildren (if appropriate).

• Employee Benefits Optimization: We will provide review and analysis as to whether

you, as an employee, are taking the maximum advantage possible of your employee

benefits. If you are a business owner, we will consider and/or recommend the various

benefit programs that can be structured to meet both business and personal retirement

goals.

• Estate Planning: This usually includes an analysis of your exposure to estate taxes and

your current estate plan, which may include whether you have a will, powers of

attorney, trusts and other related documents. Our advice also typically includes ways for

you to minimize or avoid future estate taxes by implementing appropriate estate

planning strategies such as the use of applicable trusts.

We always recommend that you consult with a qualified attorney when you initiate,

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update, or complete estate planning activities. We may provide you with contact

information for attorneys who specialize in estate planning when you wish to hire an

attorney for such purposes. From time-to-time, we will participate in meetings or phone

calls between you and your attorney with your approval or request.

• Financial Goals: We will help clients identify financial goals and develop a plan to reach

them. We will identify what you plan to accomplish, what resources you will need to

make it happen, how much time you will need to reach the goal, and how much you

should budget for your goal.

• Insurance: Review of existing policies to ensure proper coverage for life, health,

disability, long-term care, liability, home and automobile.

• Investment Analysis: This may involve developing an asset allocation strategy to meet

clients’ financial goals and risk tolerance, providing information on investment vehicles

and strategies, reviewing employee stock options, as well as assisting you in establishing

your own investment account at a selected broker/dealer or custodian. The strategies

and types of investments we may recommend are further discussed in Item 8 of this

brochure.

• Retirement Planning: Our retirement planning services typically include projections of

your likelihood of achieving your financial goals, typically focusing on financial

independence as the primary objective. For situations where projections show less than

the desired results, we may make recommendations, including those that may impact

the original projections by adjusting certain variables (i.e., working longer, saving more,

spending less, taking more risk with investments).

If you are near retirement or already retired, advice may be given on appropriate

distribution strategies to minimize the likelihood of running out of money or having to

adversely alter spending during your retirement years.

• Tax Planning Strategies: Advice may include ways to minimize current and future

income taxes as a part of your overall financial planning picture. For example, we may

make recommendations on which type of account(s) or specific investments should be

owned based in part on their “tax efficiency,” with consideration that there is always a

possibility of future changes to federal, state or local tax laws and rates that may impact

your situation.

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We recommend that you consult with a qualified tax professional before initiating any

tax planning strategy, and we may provide you with contact information for accountants

or attorneys who specialize in this area if you wish to hire someone for such purposes.

We will participate in meetings or phone calls between you and your tax professional

with your approval.

Comprehensive Financial Planning

This service involves working one-on-one with a planner over an extended period of time. By

paying a monthly retainer, clients get continuous access to a planner who will work with them

to design their plan. The planner will monitor the plan, recommend any changes and ensure the

plan is up to date. One can opt to pay for a financial plan only without a retainer, in which case,

no monitoring service will be provided.

Upon desiring a comprehensive plan, a client will be taken through establishing their goals and

values around money. They will be required to provide information to help complete the

following areas of analysis: net worth, cash flow, insurance, credit scores/reports, employee

benefit, retirement planning, insurance, investments, college planning and estate planning.

Once the client’s information is reviewed, their plan will be built and analyzed, and then the

findings, analysis and potential changes to their current situation will be reviewed with the

client. Clients subscribing to this service will receive a written or an electronic report, providing

the client with a detailed financial plan designed to achieve his or her stated financial goals and

objectives. If a follow up meeting is required, we will meet at the client's convenience. The plan

and the client’s financial situation and goals will be monitored throughout the year and followup

phone calls and emails will be made to the client to confirm that any agreed upon action

steps have been carried out. On an annual basis there will be a full review of this plan to ensure

its accuracy and ongoing appropriateness. Any needed updates will be implemented at that

time.

Client Tailored Services and Client Imposed Restrictions

We offer the same suite of services to all of our clients. However, specific client financial plans

and their implementation are dependent upon the client suitability questionnaire which

outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used

to construct a client specific plan to aid in the selection of a portfolio that matches restrictions,

needs, and targets.

Wrap Fee Programs

We do not participate in wrap fee programs.

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Item 5: Fees and Compensation

Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to

signing the investment advisory contract, the investment advisory contract may be terminated

by the client within five (5) business days of signing the contract without incurring any advisory

fees. How we are paid depends on the type of advisory service we are performing. Please

review the fee and compensation information below.

Comprehensive Financial Planning

Comprehensive Financial Planning consists of an initial fee ranging from $1,000 - $2,500 and an

ongoing fee that is paid monthly, in advance, at the rate between $150.00 and $450.00 per

month. The fee is based on complexity of client needs, services provided, and is negotiable in

certain cases. YU Financial Advice will send client an invoice detailing fees due but will not bill

an amount above $500.00 more than 6 months in advance. This service may be terminated with

30 days’ notice. Upon termination of any account, all fees will be prorated and any unearned

fee will be refunded to the client.

Financial Planning Fixed Fee

Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed

upon before the start of any work. The fixed fee can range between $500.00 and $3,500.00.

The fee may be negotiable. If a fixed fee program is chosen, the fee is due at the beginning of

process and the remainder is due at completion of work. YU Financial Advice will send client an

invoice detailing fees due. Client may terminate the service with 3 business days’ notice if the

work has not yet been completed. In the event of early termination, any unearned but paid fees

will be refunded to the client. This is calculated based on the amount of hours worked

multiplied by $275.00.

Financial Planning Hourly Fee

Financial Planning fee is an hourly rate between $200.00 and $395.00 per hour, depending on

complexity. The fee may be negotiable in certain cases and is due after the financial planning

services have been provided. YU Financial Advice will send client an invoice detailing fees due.

Other Types of Fees and Expenses

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Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and

expenses which may be incurred by the client. Clients may incur certain charges imposed by

custodians, brokers, and other third parties such as custodial fees, deferred sales charges, oddlot

differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes

on brokerage accounts and securities transactions. Mutual fund and exchange traded funds

also charge internal management fees, which are disclosed in a fund’s prospectus. Such

charges, fees and commissions are exclusive of and in addition to our fee, and we shall not

receive any portion of these commissions, fees, and costs.

Item 12 further describes the factors that we consider in selecting or recommending brokerdealers

for client’s transactions and determining the reasonableness of their compensation

(e.g., commissions).

We do not accept compensation for the sale of securities or other investment products

including asset-based sales charges or service fees from the sale of mutual funds.

Item 6: Performance-Based Fees and

Side-By-Side Management

We do not offer performance-based fees.

Item 7: Types of Clients

We provide financial planning and investment management services to individuals and small

business owners. We do not have a minimum account size requirement.

Item 8: Methods of Analysis, Investment

Strategies and Risk of Loss

Passive Investment Management

We primarily practice passive investment management. Passive investing involves building

portfolios that are comprised of various distinct asset classes. The asset classes are weighted in

a manner to achieve a desired relationship between correlation, risk and return. Funds that

passively capture the returns of the desired asset classes are placed in the portfolio. The funds

that are used to build passive portfolios are typically index mutual funds or exchange traded

funds.

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Passive investment management is characterized by low portfolio expenses (i.e. the funds

inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading

activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and

turnover inside the portfolio is minimal).

In contrast, active management involves a single manager or managers who employ some

method, strategy or technique to construct a portfolio that is intended to generate returns that

are greater than the broader market or a designated benchmark. Academic research indicates

most active managers underperform the market.

Material Risks Involved

All investing strategies we offer involve risk and may result in a loss of your original

investment which you should be prepared to bear. Many of these risks apply equally to stocks,

bonds, commodities and any other investment or security. Material risks associated with our

investment strategies are listed below.

Market Risk: Market risk involves the possibility that an investment’s current market value will

fall because of a general market decline, reducing the value of the investment regardless of the

operational success of the issuer’s operations or its financial condition.

Small and Medium Cap Company Risk: Securities of companies with small and medium market

capitalizations are often more volatile and less liquid than investments in larger companies.

Small and medium cap companies may face a greater risk of business failure, which could

increase the volatility of the client’s portfolio.

Concentration Risk: Certain investment strategies focus on particular asset-classes, industries,

sectors or types of investment. From time to time these strategies may be subject to greater

risks of adverse developments in such areas of focus than a strategy that is more broadly

diversified across a wider variety of investments.

Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the

value may fall below par value or the principal investment. The opposite is also generally true:

bond prices generally rise when interest rates fall. In general, fixed income securities with

longer maturities are more sensitive to these price changes. Most other investments are also

sensitive to the level and direction of interest rates.

Inflation: Inflation may erode the buying-power of your investment portfolio, even if the dollar

value of your investments remains the same.

Risks Associated with Securities

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Apart from the general risks outlined above which apply to all types of investments, specific

securities may have other risks.

Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s

bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic

environment could have an adverse effect on the price of all stocks.

Corporate Bonds are debt securities to borrow money. Generally, issuers pay investors periodic

interest and repay the amount borrowed either periodically during the life of the security

and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero

coupon bonds, which do not pay current interest, but rather are priced at a discount from their

face values and their values accrete over time to face value at maturity. The market prices of

debt securities fluctuate depending on such factors as interest rates, credit quality, and

maturity. In general, market prices of debt securities decline when interest rates rise and

increase when interest rates fall. The longer the time to a bond’s maturity, the greater its

interest rate risk.

Municipal Bonds are debt obligations generally issued to obtain funds for various public

purposes, including the construction of public facilities. Municipal bonds pay a lower rate of

return than most other types of bonds. However, because of a municipal bond’s tax-favored

status, investors should compare the relative after-tax return to the after-tax return of other

bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same

general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment

risk, inflation risk, market risk, call or redemption risk, credit risk, and liquidity and valuation

risk.

Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client

indirectly bears its proportionate share of any fees and expenses payable directly by those

funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In

addition, the client’s overall portfolio may be affected by losses of an underlying fund and the

level of risk arising from the investment practices of an underlying fund (such as the use of

derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a

market price that is above or below their net asset value; (ii) the ETF may employ an investment

strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the

listing exchange’s officials deem such action appropriate, the shares are de-listed from the

exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases

in stock prices) halts stock trading generally. The Adviser has no control over the risks taken by

the underlying funds in which client’s invest.

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Item 9: Disciplinary Information

Registered investment advisers are required to disclose all material facts regarding any legal or

disciplinary events that would be material to your evaluation of YU Financial Advice or the

integrity of our management. We have no information applicable to this Item.

Item 10: Other Financial Industry

Activities and Affiliations

No YU Financial employee is registered, or have an application pending to register, as a brokerdealer

or a registered representative of a broker-dealer.

No YU Financial employee is registered, or have an application pending to register, as a futures

commission merchant, commodity pool operator or a commodity trading advisor.

YU Financial does not have any related parties. As a result, we do not have a relationship with

any related parties.

YU Financial only receives compensation directly from clients. We do not receive compensation

from any outside source. We do not have any conflicts of interest with any outside party.

Item 11: Code of Ethics, Participation or

Interest in Client Transactions and

Personal Trading

As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the

best interests of each client. Our clients entrust us with their funds and personal information,

which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core

aspect of our Code of Ethics and represents the expected basis of all of our dealings.

This code does not attempt to identify all possible conflicts of interest, and literal compliance

with each of its specific provisions will not shield associated persons from liability for personal

trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the

Code of Ethics' Principles is outlined below.

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• Integrity - Associated persons shall offer and provide professional services with integrity.

• Objectivity - Associated persons shall be objective in providing professional services to

clients.

• Competence - Associated persons shall provide services to clients competently and

maintain the necessary knowledge and skill to continue to do so in those areas in which

they are engaged.

• Fairness - Associated persons shall perform professional services in a manner that is fair

and reasonable to clients, principals, partners, and employers, and shall disclose

conflict(s) of interest in providing such services.

• Confidentiality - Associated persons shall not disclose confidential client information

without the specific consent of the client unless in response to proper legal process, or

as required by law.

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

profession.

• Diligence - Associated persons shall act diligently in providing professional services.

We will, upon request, promptly provide a complete code of ethics.

A recommendation made to one client may be different in nature or in timing from a

recommendation made to a different client. Clients often have different objectives and risk

tolerances. At no time, however, will our firm or any related party receive preferential

treatment over our clients.

In an effort to reduce or eliminate certain conflicts of interest involving the firm or personal

trading, our policy may require that we restrict or prohibit associates’ transactions in specific

securities transactions. Any exceptions or trading pre-clearance must be approved by our Chief

Compliance Officer in advance of the transaction in an account, and we maintain the required

personal securities transaction records per regulation.

Item 12: Brokerage Practices

Factors Used to Select Custodians and/or Broker-Dealers

YU Financial Advice, LLC does not have any affiliation with Broker-Dealers. Specific custodian

recommendations are made to client based on their need for such services. We recommend

custodians based on the reputation and services provided by the firm.

1. Research and Other Soft-Dollar Benefits

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We currently do not receive soft dollar benefits.

2. Brokerage for Client Referrals

We receive no referrals from a broker-dealer or third party in exchange for using that brokerdealer

or third party.

3. Clients Directing Which Broker/Dealer/Custodian to Use

We do recommend a specific custodian for clients to use, however, clients may custody their

assets at a custodian of their choice. Clients may also direct us to use a specific broker-dealer

to execute transactions. By allowing clients to choose a specific custodian, we may be unable

to achieve most favorable execution of client transaction and this may cost clients money over

using a lower-cost custodian.

Aggregating (Block) Trading for Multiple Client Accounts

Investment advisers may elect to purchase or sell the same securities for several clients at

approximately the same time when they believe such action may prove advantageous to

clients. This process is referred to as aggregating orders, batch trading or block trading. We do

not engage in block trading. It should be noted that implementing trades on a block or

aggregate basis may be less expensive for client accounts; however, it is our trading policy is to

implement all client orders on an individual basis. Therefore, we do not aggregate or “block”

client transactions. Considering the types of investments we hold in advisory client accounts,

we do not believe clients are hindered in any way because we trade accounts individually. This

is because we develop individualized investment strategies for clients and holdings will vary.

Our strategies are primarily developed for the long-term and minor differences in price

execution are not material to our overall investment strategy.

Item 13: Review of Accounts

Client accounts with the Investment Management Service will be reviewed regularly on a

quarterly basis by Misook Yu, President and CCO. The account is reviewed with regards to the

client’s investment policies and risk tolerance levels. Events that may trigger a special review

would be unusual performance, addition or deletions of client imposed restrictions, excessive

draw-down, volatility in performance, or buy and sell decisions from the firm or per client's

needs.

Clients will receive trade confirmations from the broker(s) for each transaction in their accounts

as well as monthly or quarterly statements and annual tax reporting statements from their

custodian showing all activity in the accounts, such as receipt of dividends and interest.

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YU Financial Advice will not provide written reports to Investment Management clients.

Item 14: Client Referrals and Other

Compensation

We do not receive any economic benefit, directly or indirectly from any third party for advice

rendered to our clients. Nor do we directly or indirectly compensate any person who is not

advisory personnel for client referrals.

Item 15: Custody

YU Financial Advice does not accept custody of client funds and does not deduct advisory fees

from client accounts.

Item 16: Investment Discretion

We do not provide investment management services on a discretionary basis.

Item 17: Voting Client Securities

We do not vote Client proxies. Therefore, Clients maintain exclusive responsibility for: (1) voting

proxies, and (2) acting on corporate actions pertaining to the Client’s investment assets. The

Client shall instruct the Client’s qualified custodian to forward to the Client copies of all proxies

and shareholder communications relating to the Client’s investment assets. If the client would

like our opinion on a particular proxy vote, they may contact us at the number listed on the

cover of this brochure.

In most cases, you will receive proxy materials directly from the account custodian. However, in

the event we were to receive any written or electronic proxy materials, we would forward them

directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in

which case, we would forward you any electronic solicitation to vote proxies.

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Item 18: Financial Information

Registered investment advisers are required in this Item to provide you with certain financial

information or disclosures about our financial condition. We have no financial commitment that

impairs our ability to meet contractual and fiduciary commitments to clients, and we have not

been the subject of a bankruptcy proceeding.

We do not have custody of client funds or securities or require or solicit prepayment of more

than $500 in fees per client six months in advance.

Item 19: Requirements for State-

Registered Advisers

Misook Yu

Born: 1969

Educational Background

• 2012 – B.S. Finance, University of Missouri

• 1998 – A.A. Applied Science-Programing, St. Louis Community College

Business Experience

• 11/2017 – Present, YU & Money, President

• 03/2015 – Present, YU Financial Advice, LLC, President and CCO

• 03/2014 – 03/2015, Edward Jones, Financial Advisor

• 01/2013 – 07/2013, Diversified Financial Advisors, Assistant for Financial Advisor

Other Business Activities

Misook Yu is currently employed as President at YU & Money LLC. This activity accounts for less

than 20% of her time. She also is employed as an instructor teaching Continuing Education

courses at St. Louis Community College. This activity is on weekends only and accounts for less

than 5% of her time.

Performance Based Fees

YU Financial Advice is not compensated by performance-based fees.

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Material Disciplinary Disclosures

No management person at YU Financial Advice, LLC has ever been involved in an arbitration

claim of any kind or been found liable in a civil, self-regulatory organization, or administrative

proceeding.

Material Relationships That Management Persons Have With Issuers of

Securities

YU Financial Advice, LLC, nor Misook Yu, have any relationship or arrangement with issuers of

securities.

Additional Compensation

Misook Yu does not receive any economic benefit from any person, company, or organization,

in exchange for providing clients advisory services through YU Financial Advice.

Supervision

Misook Yu, as President and Chief Compliance Officer of YU Financial Advice, is responsible for

supervision. She may be contacted at the phone number on this brochure supplement.

Requirements for State Registered Advisers

Misook Yu has NOT been involved in an arbitration, civil proceeding, self-regulatory proceeding,

administrative proceeding, or a bankruptcy petition.

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YU Financial Advice, LLC

17295 Chesterfield Airport Road, Suite 200

Chesterfield, MO 63005

(636) 733-7519

Dated February 5th, 2019

Form ADV Part 2B – Brochure Supplement

For

Misook Yu

President and Chief Compliance Officer

This brochure supplement provides information about Misook Yu that supplements the YU

Financial Advice, LLC (“YU Financial Advice”) brochure. A copy of that brochure precedes this

supplement. Please contact Misook Yu if the YU Financial Advice brochure is not included with

this supplement or if you have any questions about the contents of this supplement.

Additional information about Misook Yu is available on the SEC’s website at

www.adviserinfo.sec.gov which can be found using the identification number (CRD #) 6173783.

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Item 2: Educational Background and

Business Experience

Misook Yu

Born: 1969

Educational Background

• 2012 – B.S. Finance, University of Missouri

• 1998 – A.A. Applied Science-Programing, St. Louis Community College

Business Experience

• 11/2017 – Present, YU & Money, President

• 03/2015 – Present, YU Financial Advice, LLC, President and CCO

• 03/2014 – 03/2015, Edward Jones, Financial Advisor

• 01/2013 – 07/2013, Diversified Financial Advisors, Assistant for Financial Advisor

Item 3: Disciplinary Information

No management person at YU Financial Advice, LLC has ever been involved in an arbitration claim of

any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding.

Item 4: Other Business Activities

Misook Yu is currently employed as President at YU & Money LLC. This activity accounts for less than

20% of her time. She also is employed as an instructor teaching Continuing Education courses at St.

Louis Community College. This activity is on weekends only and accounts for less than 5% of her time.

Item 5: Additional Compensation

Misook Yu does not receive any economic benefit from any person, company, or organization, in

exchange for providing clients advisory services through YU Financial Advice.

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Item 6: Supervision

Misook Yu, as President and Chief Compliance Officer of YU Financial Advice, is responsible for

supervision. She may be contacted at the phone number on this brochure supplement.

Item 7: Requirements for State Registered

Advisers

Misook Yu has NOT been involved in an arbitration, civil proceeding, self-regulatory proceeding,

administrative proceeding, or a bankruptcy petition.