Secure Retirement Financial & Insurance Services (“SRF”) is a state registered investment adviser firm established in 2004 to provide investment advisory and financial planning services to individuals, pensions and profit-sharing plans, trusts, estates, and charitable organizations (“clients”). Principal Owners Richard R. Morey and Sherry D. Morey are the trustees of a trust which owns 70%, and Jeffrey Michael Warren owns 30% of the SRF stock. Notwithstanding the ownership by the trust of the firm’s stock, the firm’s management and control rests solely in the hands of Grantor Richard R. Morey. Types of Advisory Services Offered SRF Investment Advisory Services SRF offers clients investment advisory services as covered in the Investment Advisory Agreement (“IAA”) where each client’s investment account and portfolio is managed on a regular and continuous basis. SRF may assist clients in determining, among other things, suitability, investment objectives, goals, time horizons, and risk tolerances. As part of the investment advisory services, SRF may provide personalized or corporate financial planning services as segmented (limited) financial plans, investment plans, and/or individual consultations regarding a client’s financial affairs. Financial planning is complimentary to investment advisory clients who make use of the service and a written financial plan is not delivered in every engagement. The design and implementation of a financial plan may begin with the process of gathering data regarding income, expenses, taxes, insurance coverage, retirement plans, wills, trusts, investments and/or other relevant information pertaining to a client’s overall financial situation. This information is carefully analyzed, taking into account a client’s goals and stated objectives, and a series of recommendations and/or

alternative strategies will be developed. SRF Referral Program SRF may also provide investment advisory services to clients referred by independent investment advisors. SRF will enter into an agreement directly with the client to provide these services. Retirement Account Advice When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Securities Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. The receipt of our advisory fee for making a recommendation creates a conflict of interest under ERISA/IRC with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. For example, if we recommend that you rollover assets from one retirement account to another and we will receive increased 6 SRF Brochure March 19, 2024 compensation as a result of that recommendation, we have a conflict that requires us to operate under this special rule. Tailored Services and Client Imposed Restrictions SRF will tailor its advisory services to the specific needs and objectives of each advisory client. Clients may also impose restrictions on investing in certain securities or types of securities. Restrictions are generally covered in the client’s investment advisory agreement and must be made in writing. SRF does not participate in a wrap fee program at this time. Assets Under Management SRF manages client assets in discretionary accounts on a continuous and regular basis. As of 12/2023, the total amount of assets under our management was: Discretionary Assets $ 96,627,501 Non-Discretionary Assets $ 0 Total Assets $ 96,627,501