General Description of the Firm’s Ownership and Services Fountainhead Retirement Services LLC (“FRS,” “Adviser,” “we,” “our,” “us”) was formed as a New Jersey limited liability company in April 2019. We are under common control with two other SEC-registered investment advisers, Fountainhead Capital Management (“FCM”) and Fountainhead AM (“FAM”), collectively referred to as “Fountainhead.” FCM personnel manage and direct our day-to-day business and we share personnel and the same headquarters. FRS was previously owned 100% by current owners and managers of FCM/FAM through FRS II, LLC. We eliminated the intervening limited liability company and the owners of FRS II, LLC became direct, rather than indirect, owners of FRS. Joseph Halpern, Scott Silver, and Marc Rock each own more than 25% of FRS. We provide non-fiduciary advisory services to ERISA and other retirement plan sponsors. We do not provide 3(21) or 3(38) investment management services to the sponsors or the plans; these services, if needed, are provided by an unaffiliated adviser selected by the plan sponsor. We also do not provide personalized advice to plan participants, but we refer participants seeking investment advice to our affiliate, FCM. FRS provides solely non-fiduciary services, including the following:  Assistance with the Plan Fiduciary’s Plan Governance and Review, including assistance with determining Plan objectives and Plan design options; reviewing Plan Committee structure and requirements; reviewing participant education and communication strategy, including ERISA 404(c) requirements; assisting the Sponsor with developing and maintaining appropriate Plan documentation; attending periodic meetings with the Plan Sponsor  Assistance with the Plan Fiduciary’s Vendor Management, including reviewing fees and services and identifying procedures to track receipt and evaluation of ERISA 408(b)(2) disclosures; providing periodic benchmarking of fees and services to assist the Sponsor’s review for reasonableness; reviewing ERISA spending accounts or Plan Expense Recapture Accounts (PERAs); generating and evaluation of service provider requests for proposal and/or requests for information; support with Sponsor’s Plan vendor contract negotiations; service provider transition

and/or Plan conversion assistance  Employee Investment Education and Communication, including providing group enrolled and investment education meetings; providing fee-specific education and communicating the Plan’s requirements for requesting additional information about Plan fees and expenses; supporting individual participant questions; providing periodic updates, upon request or through periodic written communications; assisting participants with retirement readiness through general education The specific services FRS provides will be documented in the advisory agreement we enter into with the Plan Sponsor. Limited Advice FRS will provide advisory services solely to sponsors of retirement plans. We have partnered with unaffiliated companies that are already providing other services to businesses, such as payroll and benefits, and plan administration and recordkeeping. These companies will refer their business clients (“Sponsor”) to us to provide ERISA and IRS non-fiduciary services to the client’s retirement plan (“Plan”). We do not provide advice about specific investments or securities. Referrals of Plan Participants FRS will not provide individualized advice to Plan participants, though we will provide general education about investing, especially investing for retirement. We will also provide participants with information about their employer’s Plan. Where participants wish to receive additional advisory services, we will refer them to our affiliate, FCM. This includes terminating employees who are in a position to roll over their Plan assets to an IRA or other investment account outside of the Plan. These individuals will receive FCM’s disclosures and may choose to enter into an advisory agreement with FCM. We have a conflict of interest in referring to our affiliate, which we mitigate by disclosing the conflict and making clear that participants are not required to use FCM. See Item 14 for more information, including a description of the revenue sharing that will result from referrals. Tailored Advice We tailor our services to the needs of the Sponsor, within the broad limitations of the services we offer. Assets Under Management The firm does not manage client assets.