Form ADV Part 2A — Firm Brochure
The principal disclosure brochure filed with the Pennsylvania Department of Banking and Securities.
Covers advisory services, fees, methods of analysis, material risks, brokerage practices, and conflicts of interest.
Dated July 14, 2026
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Form ADV Part 2B — Brochure Supplement
Background information on John J. Kroger.
Covers educational background, business experience, professional qualifications, and supervision, and should be read with the Form ADV Part 2A brochure.
Dated July 14, 2026
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Privacy Policy
How nonpublic personal information is collected, used, and safeguarded.
Covers the categories of information collected, permitted disclosures, safeguards, record retention, and treatment of former-client information.
Dated July 14, 2026
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Business Continuity Disclosure
How the firm prepares for significant business disruptions.
Describes the firm’s Business Continuity Plan, the role of qualified custodians in maintaining client access to assets, communication during disruptions, and the limited responsibilities of the firm’s continuity designee.
Dated July 14, 2026
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Website Terms of Use
Terms that apply to use of this website.
Explains the informational nature of the site, investment risks, third-party links, electronic communications, and other conditions of use.
Effective July 14, 2026
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Accessibility Statement
The website’s accessibility approach and assistance options.
Describes the site’s accessibility target, known limitations, feedback channel, and availability of alternative document formats.
Effective July 14, 2026
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