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FSA Advisors d/b/a Financial Services of America AdvisorsFirm BrochureFSA Advisors d/b/a Financial Services of America AdvisorsIndividual Disclosure BrochureForm ADV Part 2BMARK LOUIS KERSTEN Investment Adviser RepresentativePersonal CRD Number: 2584772Phone: (586) 690-4288Email: mkersten@fsa-1.comFSA Advisors • 30500 Van Dyke Ave., Ste. 800 • Warren, MI 48093Updated: 10/26/2022

is brochure supplement provides information about Mark Louis Kersten that supplements the FSA Advisors brochure. You should have received a copy of that brochure. Please contact Mark Louis Kersten if you did not receive FSA Advisors’s brochure or if you have any questions about the contents of this supplement. Additional information about Mark Louis Kersten is also available on the SEC’s website at www.adviserinfo.sec.gov.

Item 2: Educational Background and Business ExperienceName: Mark Louis KerstenBorn: 1969Educational Background and Professional Designations: Education: Bachelor of Arts Political Science, Michigan State University - 1991 Designation: Chartered Retirement Planning Counselor (CRPC®) CRPC® Minimum qualications:Business Background: 10/2022 - Present Investment Adviser Representative FSA ADVISORS 02/1993 - Present Vice President FINANCIAL SERVICES OF AMERICAere are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 3: Disciplinary Information• successfully complete the program;• pass the nal examination; and • comply with the Code of Ethics, which includes agreeing to abide by the Standards of Professional Conduct and Terms and Conditions. Applicants must also disclose of any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct. Conferment of the designation is contingent upon the College for Financial Planning’s review of matters either self-disclosed or which are discovered by the College that are required to be disclosed.• Successful students receive a certicate and arc granted the right to use the designation on correspondence and business cards for a two-year period. • Continued use of the CRPC® designation is subject to ongoing renewal requirements. Every two years individuals must renew their right to continue using the CRPC® designation by: • completing 16 hours of continuing education; • rearming to abide by the Standards of Professional Conduct, Terms and Conditions, and self disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct; and paying a biennial renewal fee.

Item 5: Additional CompensationMark Louis Kersten does not receive any economic benet from any person, company, or organization, other than FSA Advisors in exchange for providing clients advisory services through FSA Advisors. As a representative of FSA Advisors, Mark Louis Kersten is supervised by Nicholas Andrew Shaheen, the rm’s Chief Compliance Ocer. Nicholas Andrew Shaheen is responsible for ensuring that Mark Louis Kersten adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the rm’s Code of Ethics and compliance manual. e phone number for Nicholas Andrew Shaheen is (586) 684-4578. Item 6: SupervisionItem 4: Other Business ActivitiesMark Louis Kersten is a licensed insurance agent. is activity creates a conict of interest since there is an incentive to recommend insurance products based on commissions or other benets received from the insurance company, rather than on the client’s needs. Additionally, the oer and sale of insurance products by supervised persons of FSAA are not made in their capacity as a duciary, and products are limited to only those oered by certain insurance providers. FSAA addresses this conict of interest by requiring its supervised persons to act in the best interest of the client at all times, including when acting as an insurance agent. FSAA periodically reviews recommendations by its supervised persons to assess whether they are based on an objective evaluation of each client’s risk prole and investment objectives rather than on the receipt of any commissions or other benets. FSAA will disclose in advance how it or its supervised persons are compensated and will disclose conicts of interest involving any advice or service provided. At no time will there be tying between business practices and/or services (a condition where a client or prospective client would be required to accept one product or service conditioned upon the selection of a second, distinctive tied product or service). No client is ever under any obligation to purchase any insurance product. Insurance products recommended by FSAA’s supervised persons may also be available from other providers on more favorable terms, and clients can purchase insurance products recommended through other unaliated insurance agencies.