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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 2BJOHN LAWRENCE SAUGER, CRPC®Investment Adviser RepresentativePersonal CRD Number: 5519217Phone: (586) 939-3810Email: jsauger@fsa-l.comFSA Advisors • 30500 Van Dyke Ave., Ste. 800 • Warren, MI 48093Updated 2/102023

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

Item 2: Educational Background and Business ExperienceName: John Lawrence Sauger Born: 1973Educational Background and Professional Designations: Education: Bachelors Education, Butler University - 1996 Designation: Chartered Retirement Planning Counselor (CRPC®) CRPC® Minimum qualications:Business Background: 12/2022 - Present Registered Representative AE FINANCIAL SERVICES 08/2017 - Present Investment Adviser Representative FSA ADVISORS 08/2004 - Present Senior Vice President FINANCIAL SERVICES OF AMERICA 07/2008 - 12/2022 Registered Principal / Investment Adviser Representative INDEPENDENCE CAPITAL COMPANY 01/2011 - 12/2020 Insurance Agent HUB INTERNATIONAL MIDWEST LIMITED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. SM

Item 4: Other Business ActivitiesJohn Lawrence Sauger is a registered representative. From time to time, he will oer clients advice or products from this activity. Clients should be aware that these services pay a commission and involve a possible conict of interest, as commissionable products can conict with the duciary duties of a registered investment adviser. FSA Advisors always acts in the best interest of the client; including in the sale of commissionable products to advisory clients. Clients are in no way required to utilize the services any representative of FSA Advisors in such individual’s outside capacity.John Lawrence Sauger is an investment adviser representative with another rm. From time to time, he will oer clients advice or products from this activity. FSA Advisors always acts in the best interest of the client. Clients are in no way required to utilize the services of any representative of FSA Advisors in such individual’s outside capacity.John Lawrence Sauger is a licensed insurance agent. From time to time, he will oer clients advice or products from this activity. Clients should be aware that these services pay a commission and involve a possible conict of interest, as commissionable products can conict with the duciary duties of a registered investment adviser. FSA Advisors always acts in the best interest of the client; including in the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan through any representative of FSA Advisors in their capacity as a licensed insurance agent.Item 5: Additional CompensationJohn Lawrence Sauger 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, John Lawrence Sauger is supervised by Nicholas Andrew Shaheen, the rm’s Chief Compliance Ocer. Nicholas Andrew Shaheen is responsible for ensuring that John Lawrence Sauger 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) 939-3810 ext. 1018.Item 6: Supervision