About Our Firm Rabe Investment Consulting Group, LLC (“RICG”) is a registered investment adviser that provides investment management and financial advisory services to individual and institutional investors to help them achieve their financial needs and goals. RICG is solely owned by Michael N. Rabe, CFA, and has been a registered investment adviser since July 2021. Our firm utilizes a holistic approach in providing personalized service to our clients and acknowledges that it is held to a fiduciary standard of care. The mission of the RICG is to guide our clients through a smooth transition from earned income to investment income using a lifetime of ongoing investment planning. Our portfolio management style takes an active approach. Our clients are exposed to a wide expanse of choices around the world. We use quantitative analysis to screen for undervalued securities. Individual securities are at the core of the strategy. We surround the core with other types of assets such as exchange traded funds [“ETFs”] and mutual funds which provide the balance and diversification needed to modify risk. Flexibility to adjust to changing conditions is key. Using our investment plan as a roadmap we can customize the portfolio to match the clients’ risk profile. Types of Advisory Services We Offer RICG offers a variety of advisory services to individuals, high net worth individuals, foundations, businesses, and corporations. These services include:
• Investment and wealth management
• Financial planning and consulting We work with our clients to determine their investment objectives and risk profile and develop a customized investment plan based on their individual needs and goals. RICG will utilize the financial information provided by the client to analyze and develop strategies and solutions to assist the client in meeting their financial goals. Prior to RICG rendering any of the foregoing services, clients are required to enter into one or more written advisory agreements with RICG setting forth the relevant terms and conditions of the advisory relationship. Investment and Wealth Management Services RICG manages our clients’ portfolios on a discretionary and non-discretionary basis. Our investment and wealth management services are tailored to the needs of our clients and are based on a comprehensive understanding of each client’s current situation, past experiences, and future goals. With this acquired knowledge we create, analyze, strategize, and implement goal-oriented investment solutions. These solutions become our clients’ investment policy. This policy and our matched strategies are designed to be risk appropriate, cost effective and tax efficient. Our wealth management services generally include a broad range of comprehensive financial planning and/or consulting services, as well as discretionary and non-discretionary management of investment portfolios. Client assets are primarily allocated among individual equity and debt securities, mutual funds, exchange-traded funds ("ETFs"), and in cash and cash alternatives, in accordance with the client's stated investment objective and risk/volatility parameters. Where appropriate, RICG may also provide advice about many types of legacy positions or other investments held in client portfolios. Clients may also engage RICG to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, RICG will direct or make recommendations on a non-discretionary basis for the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or custodian for the plan trustee or administrator and clients retain responsibility for effecting trades in these accounts. RICG consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. You should promptly notify us if there are changes in your financial situation or if you wish to place any limitations on the management of your account. You may impose reasonable restrictions or mandates on the management of your account if RICG determines, in our sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the firm's management efforts. To the extent a client’s assets are invested in a particular fund, those funds will have their own investment practices. Those investment practices are described in each fund’s prospectus, or in its offering or other disclosure documents. In addition, selected funds typically have discretion to determine the type, and amount, of securities to be purchased or sold for the portion of the assets managed by the fund. Financial Planning and Consulting Services In connection with the Investment and Wealth Management Services we offer our clients, RICG offers financial planning and consulting services

to help our clients identify, prioritize and work towards their goals and objectives. Our consulting services give our clients the ability to receive a broad range of financial advice and services, including specific security recommendations, for the duration of the advisory agreement. Our process starts with an extensive review of a client's family situation, which includes assets and liabilities as well as estate, tax, and insurance needs. We then employ a risk tolerance and risk capacity-focused simulation to get a detailed cash flow analysis and proposed asset allocation. Together, this information is analyzed to develop a proposed financial plan, which is designed to be dynamic in nature, ever-evolving due to life changes, along with changes in cash flow needs, risk tolerance, time horizon, or investment objectives. RICG’s financial planning and consulting services may include any of the following topics:
• Cash Flow Analysis
• Financial Record Organizing
• Estate Planning
• Charitable Giving
• Education Planning
• Business Planning
• Concentrated Stock
• Federal Benefits & Health Care
• Death & Disability
• Divorce Planning
• Liability Management
• Investment Consulting
• Tax Planning
• Insurance Review
• Family Governance • Retirement Plan Consulting and Employee Benefits Analysis In performing these services, RICG is not required to verify any information received from the client or from the client's other professionals (e.g., attorneys, accountants, etc.), and is expressly authorized to rely on such information. Implementation of financial planning recommendations is entirely at your discretion. You have complete freedom in selecting a financial adviser to assist you with implementing the recommendations made in your financial plan and are under no obligation to act on the advice of RICG. Financial planning recommendations are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance company. Should you choose to implement the recommendations contained in the plan, RICG suggests you work closely with your attorney, accountant and/or insurance agent. RICG will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or tax advice. You should seek the counsel of a qualified accountant and/or attorney when necessary. As part of our advisory services, we may assist clients with tax loss harvesting and will work with the client’s tax specialist to answer any questions related to the client’s portfolio. Independent Managers RICG can select certain Independent Managers to actively manage a portion of its clients' assets. Pursuant to the terms of the investment advisory agreement, RICG shall have the discretion to appoint and terminate these third- party advisers. The specific terms and conditions under which a client engages an Independent Manager may also be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients will also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. RICG evaluates a variety of information about Independent Managers, which may include the Independent Managers' public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, RICG seeks to assess the Independent Managers' investment strategies, past performance and risk results in relation to its clients' individual portfolio allocations and risk exposure. RICG also takes into consideration each Independent Manager's management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. RICG continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, RICG monitors the performance of those accounts being managed by Independent Managers. RICG seeks to ensure the Independent Managers' strategies and target allocations remain aligned with its clients' investment objectives and overall best interests. Complimentary Newsletters RICG offers complimentary newsletters to its clients free of charge. The content of the newsletters is general in nature, and no recommendations or security specific information is included in the content of the newsletters. Portfolio Management Services for Wrap Fee Program RICG offers its portfolio management services through a wrap fee program. A bundled or “wrap fee” program is an advisory fee program under which you pay one bundled fee to compensate RICG for portfolio management and trade execution. A wrap fee program may not be the lowest cost option if you would like to restrict your investments to open-end mutual funds or other long-term investment products. Please refer to our Wrap Fee Brochure for further information on this program. Amount of Assets We Manage As of December 31, 2023; RICG manages $102,739,487 of regulatory assets under management on a discretionary basis, and $18,218,582 on a non-discretionary basis.