Advisory Firm Description Retirement Plan Fiduciaries, LLC (“RPF” or the “Firm”) has been in business since January 2012. The principal owner is Thomas Carter, Jr. Types of Advisory Services For 401(k) plans, the Firm provides both investment and non-investment consulting for retirement plans to its clients. For individuals, the Firm provides financial planning and investment management services. Investment consulting entails advising plan sponsors as to the investments recommended (or actually made available) to fund participants. Non-investment consulting entails advising plan sponsors as to the service provider relationships and all plan matters except investment recommendations. Investment management services will include a financial plan. For 401(k) Plans Investment Consulting Services Under the Employee Retirement Income Security Act (“ERISA”) section 3(21), the Firm only gives investment recommendations to a plan sponsor who then has the discretion to take or disregard the advice. In this case, the Firm is a fiduciary with regard to the information it provides but does not act as a fiduciary of the plan itself. That is significantly different from ERISA section 3(38) which provides that a plan sponsor can delegate the responsibility and liability of selecting and monitoring investments to the Firm. The plan sponsor effectively hands over authority to the Firm to make investment decisions. In this case, the Firm is presumed by definition to have actual discretion and control over the plan’s assets and management and is a fiduciary of the plan itself. At the beginning of the relationship, the client chooses whether the Firm will manage its accounts under ERISA 3(21) or 3(38). RPF meets with plan sponsors to determine the investment goals of the plan. RPF will assist in developing an Investment Policy Statement (“IPS”) that is consistent with the plan document by:
• Listing criteria for selection of investment vehicles, procedures and timing of performance monitoring.
• Providing analysis and advice in order to assist plan fiduciaries in their decision- making processes.
• Making

final fund selections for availability to participants (Recordkeeper enacts fund trades when one fund is selected to replace another).(ERISA 3(38) OR
• Making recommendations for funds to plan sponsors which may or may not be enacted (ERISA 3(21). Non-investment Consulting Services (both fiduciary and non-fiduciary) Services include:
• Consultation regarding compliance with the plan document and ERISA requirements
• Education of participants regarding the plan
• Monitoring of the record keeper and trustee to ensure they are performing the functions in their service agreements
• Consultation to ensure notices to participants are properly and timely delivered
• Consultation to ensure all ERISA mandated discrimination tests are done
• Acting solely in the best interest of the plan sponsor, participants and beneficiaries of the plan
• Avoiding or fairly managing conflicts of interest
• Disclosing all forms of compensation For Individuals Financial Planning The Firm works with the client to define and understand personal and financial goals, objectives and priorities including the needs for income and growth of financial assets. Based on this information, the Firm produces a written plan for the client. At this point, the Firm will typically enter into an agreement with the client to provide investment management services. Separately Managed Accounts A customized portfolio is created for each client. Services include:
• Placing trades in the client’s portfolio based on the client’s risk tolerance
• Monitoring the portfolio holdings on a regular basis
• Making changes as appropriate according to market conditions, security prices, and the Firm’s outlook on the economy Tailored Advisory Services All investments are tailored to clients based on the information provided in the IPS. For 3(21) clients, plan sponsors determine whether to accept and execute the recommendation(s) provided by RPF. Client Assets Under Management As of December 31, 2023, the Firm had $160,907,213 in discretionary assets under management.