A. Description of the Advisory Firm The Tenret Company, LLC (hereinafter “The Tenret Company”) is a Limited Liability Company organized in the State of Florida. The firm was formed in August 2018, and the principal owner is Tina Tenret. B. Types of Advisory Services Portfolio Management Services The Tenret Company offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. The Tenret Company creates a written Investment Policy Statement for each client. Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring The Tenret Company evaluates clients’ current investments relative to their risk tolerance levels and time horizon. The Tenret Company will typically create a portfolio of no-load mutual funds and exchange traded funds (ETFs), although The Tenret Company may use other investments as well to diversify a portfolio when applicable. Client portfolios may also include some individual equity securities if disposition of these securities would present an overriding tax implication, or the client specifically requests retaining them. The Tenret Company will request discretionary authority from clients to select securities and execute transactions without permission from the client prior to each transaction. The Tenret Company seeks to make investment decisions in accordance with its fiduciary duties and without consideration of The Tenret Company’s economic, investment or other financial interests. To meet its fiduciary obligations, The Tenret Company attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios. The Tenret Company’s policy is to seek fair and equitable allocation of investment opportunities and transactions among its clients. The Tenret Company may direct clients to third-party investment advisers to manage all or a portion of the client's assets. Before selecting other advisers for clients, The Tenret Company will ensure those advisers are properly licensed or registered as an investment adviser. The Tenret Company conducts due diligence on any third-party investment adviser, which may involve phone calls, meetings and review of the third-party adviser's performance and investment strategy. The Tenret Company then makes investments with a third-party investment adviser by referring the client to the third-party adviser. The Tenret Company will review the ongoing performance of the third-party adviser as a portion of the client's portfolio. In addition to managing clients’ investment portfolios, The Tenret Company may consult with clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trusts, and other subjects. Divorce Consulting Services: Financial Neutral or Single Party Advisor The Tenret Company offers financial consulting services on divorce cases, including Tina Tenret’s participation as a single party advisor or as a financial neutral on collaborative teams. These teams include attorneys for each of the divorcing parties and, in certain cases, one or more mental health professionals. The role of the financial neutral professional is to assist divorcing clients in achieving their post-divorce financial and other goals. Financial neutrals will not align with either client or any attorney involved in the collaborative case. Rather, they act as educators and facilitators in all matters relating to finance. They also gather financial information deemed necessary to help the team work together. Single party advisor services focus on a single party in the divorce and that person’s specific financial needs. Services are provided in consultation with counsel for the parties. They typically include preparing, reviewing and/or updating schedules of income, expenses, assets, and debts. They may also include preparation of schedules of projected cash flow and providing tax planning assistance regarding payment of alimony, child support, and property distributions. Financial

Planning The Tenret Company also provides advice in the form of Financial Planning. Clients purchasing this service may receive written financial reports, providing the client with detailed financial information designed to achieve their stated financial goals and objectives. In general, the financial plan will address any or all the following areas of concern:
• PERSONAL: Family records, budgeting, personal liability, estate information and financial goals.
• EDUCATION: 529 Plans, financial aid, grants, and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan.
• RISK: Review of existing insurance policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.
• TAX & CASH FLOW: Income tax and spending analysis and planning for past, current, and future years.
• DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.
• RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• INVESTMENTS: Analysis of current and alternative investment holdings and costs, examining the potential long-term effects on a client’s portfolio, recommending appropriate investment options, allocations, or adjustments. Through in-depth personal interviews, The Tenret Company gathers required information such as a client’s current financial status, future goals, and attitudes towards risk, as well as related documents. Should a client choose to implement the recommendations in the plan, The Tenret Company suggests the client work closely with an attorney, accountant and/or insurance agent. Implementation of financial plan recommendations is entirely at the client’s discretion. Clients are encouraged to review their plan on a regular basis, especially if there are any changes in their financial situation, goals, need, or investment objectives. Written Acknowledgement of Fiduciary Status When The Tenret Company provides investment advice to clients regarding a retirement plan account or individual retirement account, it acts as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way the company makes money may create some conflicts with your interests, so it operates under a special rule that requires us to act in clients’ best interest and put clients’ interests first. Under this special rule’s provisions, The Tenret Company must:
• Meet a professional standard of care when making investment recommendations (give prudent advice)
• Never put its financial interests ahead of clients’ when making recommendations (give loyal advice)
• Avoid misleading statements about conflicts of interest, fees, and investments
• Follow policies and procedures designed to ensure that The Tenret Company gives advice in the client’s best interest
• Charge no more than is reasonable for The Tenret Company’s services; and
• Give the client basic information about conflicts of interest. C. Client Tailored Services and Client Imposed Restrictions The Tenret Company offers the same suite of services to all clients. However, specific investment strategies and their implementation are dependent upon each client’s Investment Policy Statement. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs but if the restrictions prevent The Tenret Company from properly servicing the client account, or if the restrictions would require The Tenret Company to deviate from its standard suite of services, The Tenret Company reserves the right to end the relationship. D. Wrap Fee Programs The Tenret Company does not participate in wrap fee programs. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. E. Assets Under Management The Tenret Company has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 141,954,649 $ 0 December 2023