A. Fiduciary Experts LLC was formed in February 2008 by Maribel Larios. Maribel has over eighteen years of investment advisory experience and has been in the 401k, 403b, 457 retirement plan business for over twenty years. She is the principal of this RIA. B. As a Registered Investment Advisor we specialize in the retirement industry as consultants, fiduciaries, and investment managers for company and government retirement plans. As a RIA our service model provides corporate, non-profits, and municipal retirement plans an independent fiduciary best practice process. We provide co-fiduciary and discretionary fiduciary services for the investment liability of these retirement plan by implementing best practices with a set process, specific evaluation criteria, benchmarking costs, and quarterly investment monitoring. Our services include the following but are not limited as we also take on special cases as it pertains to fiduciary services: 1- Formalize 401k oversight and process 2- Create/update Charter for proper delegation of plan management 3- Educate and identify current company fiduciaries and set up Investment Committee. 4- Create/Update IPS (Investment Policy Statement) with qualitative and quantitative criteria for proper investment selection. 5- Provide cost analysis and benchmarking on 401k, 457, 401a, 403b, RHS vendors 6- Renegotiate and recover excesses discovered to confirm such plan costs are reasonable. 7- Education and enrollment for plan participants. 8- One-on-one advisory service to participants 9- RFP and plan transition consulting and execution 10- Fiduciary overview and education to plan sponsors. We work with the plan administrators, TPA firms, and brokers in order to orchestrate a transparent system which ultimately helps lower client liability and execute best practices as ERISA mandates. We specialize on cost recovery solutions to the 401k, 403b, 457, and Profit-Sharing Retirement Plans. As an ERISA co-fiduciary or 3(38) advisor we address and provide solutions to the issues affecting the financial markets such as the liabilities fiduciaries handle, and we provide effective and transparent cost controls. C. We tailor our service model to 401k, 457, and 403b plans as well as individuals. Individual clients may impose restrictions on investing in certain securities if they wish and such restrictions will be incorporated into their specific IPS. Institutional clients may

also impose such restrictions so as long as these do not create a conflict in offering the necessary asset classes to participants to avoid any breaches of fiduciary duties. Financial Planning Services Fiduciary Experts offers financial planning services, which involve preparing a written financial plan covering only those specific areas of concern mutually agreed upon by you and us. When providing financial planning services, the role of your investment adviser representative is to find ways to help you understand your overall financial situation and help you set financial objectives. A modular written financial plan is limited or segmented and does not involve the creation of a full written financial plan. You should be aware that there are important issues that may not be taken into consideration when your investment adviser representative develops his or her analysis and recommendations under a modular written financial plan. Written financial plans prepared by us do not include specific recommendations of individual securities. Our financial planning services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. Our asset management services are offered as a separate service to clients for an additional fee. See Item 5 of this brochure. You have the sole responsibility for determining whether to implement our financial planning recommendations. To the extent that you would like to implement any of our investment recommendations through Fiduciary Experts or retain Fiduciary Experts to actively monitor and manage your investments, you must execute a separate written agreement with us for our asset management services. D. We do NOT participate in any wrap programs. E. As of December 2023, we manage over $ 744,394,982.00 in assets under management. $ 301,297,706.00 are managed under our non-discretionary assets. $ 443,097,276.00 are managed on a discretionary basis. In order to avoid conflicts of interest and full transparency, we do not act as custodian for plans for assets under management. These assets are calculated by amounts in our client retirement plans held by plan administrators/recordkeepers and custodians.