Description of Services Financial Independence, LLC is a registered investment adviser based in Warwick, Rhode Island. We are organized as a limited liability company under the laws of the State of Rhode Island. We have been providing financial planning and investment advisory services since 2009. Rick W. Campbell is our firm's principal owner. We provide a variety of planning and advisory services that are offered separately or through a wealth management service referred to as the Financial Independence BEST Life Planning Program, also referred to as Wealth Management Services. These planning and advisory services, as well as the advisory and Platform services offered through the AssetMark Platform, are described in more detail below along with how these services are personalized to each individual client. As used in this brochure, the words "we", "our" and "us" refer to Financial Independence, LLC and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. Wealth Management Services Financial Planning Services We offer broad-based, modular, and consultative financial planning services. Financial planning will typically involve providing a variety of advisory services to clients regarding the management of their financial resources based upon an analysis of their individual needs. If you retain our firm for financial planning services, we will meet with you to gather information about your financial circumstances and objectives. Once we review and analyze the information you provide to our firm, we will deliver a written Plan Summary to you designed to help you achieve your stated financial goals and objectives. If you require advice on a more limited set of goals and objectives or a single aspect of your finances, we offer modular financial planning/general consulting services to address those specific areas. This could include, but not be limited to, asset allocation recommendations on your employer-provided retirement plans. Financial plans are based on your financial situation at the time we present the plan to you, and on the financial information you provide to our firm. You must promptly notify our firm if your financial situation, goals, objectives, or needs change. Certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that your financial goals and objectives will be met. You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm. Investment Advisory Services We offer advisory and Platform services through the AssetMark Platform. The AssetMark Platform is an asset allocation program sponsored by AssetMark; an investment adviser registered with the Securities Exchange Commission. After gathering information about your financial situation and objectives, we will make recommendations regarding the suitability of an investment program based on factors such as investment strategy, performance, and methods of analysis. We will recommend one or more discretionary portfolio strategists on the AssetMark Platform for your portfolio. We periodically review the performance of the strategists we recommend for client accounts to ensure their performance and investment

styles remain consistent with the goals and objectives of our clients. For additional information on the AssetMark Platform, please see the AssetMark Platform Disclosure Brochure included in your account opening paperwork. Pension Consulting Services We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan. In general, these services may include an existing plan review, asset allocation advice, assistance with fund selection and investment options, communication and education services to plan participants, investment performance monitoring, and/or ongoing consulting. Pension Consulting services will be provided pursuant to the agreement entered into and within the parameters set forth in the plan documents. Where the plan sponsor engages our firm to provide advice to participants on an individual basis, such advice will be limited to general retirement planning issues, fund selection and asset allocation of plan assets. Client accounts are regulated under the Employee Retirement Income Securities Act ("ERISA"). Our firm will provide consulting services to the plan fiduciaries as described above. Typically, the named plan fiduciary must make the ultimate decision as to retaining the services of such investment advisers as our firm recommends. The plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. General - Advisory Services to Retirement Plans and Plan Participants As disclosed above, we offer various levels of advisory and consulting services to employee benefit plans ("Plan") and to the participants of such plans ("Participants"). Specifically, the firm provides asset allocation models for use by plan participants directed by risk level of the participant. There are models for participants with a low risk tolerance, medium risk tolerance and high risk tolerance. The firm does not provide individual advice to plan participants. The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act ("ERISA"). Pursuant to adopted regulations of the U.S. Department of Labor, we are required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). The services we provide are described above, and in the service agreement. Our compensation for these services is described below, within Item 5, and also in the service agreement. Status We are registered as an investment adviser under the United States Securities and Exchange Commission and represent that we are not subject to any disqualification as set forth in Section 411 of ERISA. In performing Fiduciary Services, we act as a fiduciary of the Plan as defined in Section 3(21) under the Employee Retirement Income Security Act ("ERISA") for purposes of providing non- discretionary investment advice only. Types of Investments We primarily offer advice on mutual funds and exchange-traded funds ("ETFs"); however, we may also offer advice on equity securities, corporate debt securities, municipal securities, variable life insurance, variable annuities, and U.S. Government securities. You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing, and we will determine if AssetMark can accommodate your request. Assets Under Management We have the following assets under management: Discretionary Amounts: Non-Discretionary Amounts: Date Calculated: $ 0.00 $ 183,966,639 December 2022