Firm informa on R J Cloud Advisors and Company (RJCAC) is a Registered Investment Advisor with the U.S. Securi es and Exchange Commission, which is organized as a corpora on under the laws of the State of Oklahoma. RJCAC was founded in March 2017 and the sole shareholder is Randall J. Cloud. This disclosure brochure provides informa on regarding the qualifica ons, business prac ces and the advisory services provided by RJCAC. Investment Advisory Services RJCAC offers investment advisory services to individuals, high net worth individuals, trusts, estates, corpora ons, and charitable organiza ons in Oklahoma and in other states (each referred to as a client). Financial Planning RJCAC provides financial planning services to individuals and families as part of its investment advisory services. Services are provided in several areas of a client's financial situa on, depending on their goals, objec ves, and financial situa on. This planning or consul ng will focus on one or more areas of need, including, but not limited to investment planning, re rement planning, personal savings, educa on savings, and other areas of client’s financial situa on. Family Office Services RJCAC provides family office services which consist of various services for personal and business financial ma ers. The scope of such services will be outlined in an agreement between RJCAC and the client prior to services being provided. In providing the agreed upon Family Offices Services, RJCAC will rely extensively on the accoun ng, tax, and consul ng services of RJ Cloud PLLC which is owned by Randall J. Cloud and who is also the owner of RJCAC. The agreed upon services, fee, terms, and condi ons will be outlined in a wri en agreement and fully executed by RJCAC and client prior to RJCAC providing any services. In addi on, RJCAC may recommend the services of other specialists and professionals outside of RJCAC as necessary to provide the agreed upon services to clients. RJCAC does not receive referral fees for the recommenda ons made to other specialists and professionals. The client is free to accept or reject any recommenda on from RJCAC. Although RJCAC may have experience with these service providers, RJCAC is not responsible for the services provided by these other service providers and is not responsible for any losses caused by the ac ons of any third par es. Pension Consul ng Services RJCAC provides non-discre onary re rement plan services. RJCAC will work with plans to monitor planning investments, provide fiduciary planning advice including regular considera ons of the goals and objec ves of the plan, and provide par cipant educa on services to the plan. Account Por olio Management RJCAC provides customized investment advisory solu ons for its clients. This is achieved through client interac on while providing discre onary investment management and consul ng services. RJCAC works with each client to iden fy their investment goals and objec ves as well as risk tolerance and financial situa on to create a por olio alloca on. RJCAC will then construct a por olio consis ng of mutual funds and or exchange traded funds to achieve the client’s investment goals. The advisor may also use individual stocks and bonds, United States government bonds, and real estate investment trusts to meet the needs of its clients. Currently RJCAC constructs por olios using mutual funds and exchange traded funds. Primarily, RJCAC u lizes the Dimensional Funds (DFA) for the construc on of client por olios. The mutual funds do not contain 12b(1) fees which means that the brokerage firms are not being compensated by these mutual funds; therefore, the brokerage firm charges a trade fee whenever these funds are bought and sold. RJCAC's investment strategy is primarily long term focused but the advisor may buy or sell or reallocate posi ons that have been held less than one year to meet the objec ves of the client or due to market condi ons. RJCAC will construct, implement, and monitor the por olio. Each client will have the opportunity to place reasonable restric ons on the types of investments to be held in their respec ve por olio subject to acceptance by RJCAC. RJCAC evaluates and selects assets for inclusion in client por olios only a er applying their internal due diligence process. RJCAC may recommend on occasion redistribu ng investment alloca ons to diversify the por olio. RJCAC may recommend specific posi ons to increase asset class weigh ngs. The adviser may recommend employing cash posi ons as a possible hedge against market movement which may adversely affect the por olio. RJCAC may recommend selling posi ons for reasons that include but are not limited to harves ng capital gains or losses risk exposure to specific class of securi es overvalua on or overweigh ng of the posi ons in the por olio change in risk tolerance of the client genera ng cash

to meet client needs or any risk deemed unacceptable for the client’s risk tolerance. Prior to rendering investment advisory services, RJCAC will ascertain in conjunc on with the client the client's financial situa on, risk tolerance, and investment objec ves. RJCAC will provide investment advisory services, por olio management services, and family office services but will not provide securi es custodial services. At no me will RJCAC accept or maintain custody of a client's funds or securi es. All client assets will be managed within their designated brokerage account or pension account pursuant to the client investment advisory agreement. Client account management Prior to engaging RJCAC to provide investment advisory services, each client is required to enter into an investment advisory agreement with RJCAC that defines the terms, condi ons, authority, and responsibili es of RJCAC and the client. These services may include:  Establishing an investment policy statement RJCAC in conjunc on with the client may develop a statement that summarizes the client's investment goals and objec ves along with the broad strategies to be employed to meet the objec ves an investment policy statement generally includes specific informa on on the client stated goals, me horizon for achieving the goals, investment strategies, client risk tolerance, and any restric ons imposed by the client.  Asset allocation RJCAC will develop a strategic asset alloca on that is targeted to meet the investment objec ves, me horizon, financial situa on, and tolerance for risk for each client.  Portfolio construction RJCAC will develop a por olio for the client that is intended to meet the stated goals and objec ves of the client.  Investment management and supervision RJCAC will provide investment management and ongoing oversight of the client por olios. Re rement Rollovers - No obliga on/conflict of interest: A client leaving an employer typically has four op ons and may engaged in a combina on of these op ons: 1) leave the money in his former employers plan if permi ed, 2) roll over the assets to his slash her new employers plan if one is available and roll overs are permi ed, 3) roll over to an individual re rement account, or 4) cash out the account value which could depending upon the client's age result in adverse tax consequences. RJCAC may recommend an investor rollover plan assets to an IRA managed by RJCAC. As a result, RJCAC may earn an asset-based fee; however, a recommenda on that a client or prospec ve client leave their plan assets with their old employer will result in no compensa on. RJCAC has an economic incen ve to encourage an investor to role play and assets into an IRA that RJCAC will manage. There are various factors that RJCAC may consider before recommending a rollover including but not limited to: 1) the investment op ons available in the plan versus the investment op ons available in an IRA, 2) fees and expenses in the plan versus the fees and expenses in an IRA, 3) the services and responsiveness of the planned investment professionals versus those of RJCAC, 4) required minimum distribu ons and age considera ons, and 5) employer stock tax consequences if any. No client is under any obliga on to roll over plan assets to an IRA managed by RJCAC. When we provide investment advice to you regarding your re rement plan account or individual re rement account, we are fiduciaries within the meaning of tle one of the employee re rement income Security Act and or the Internal Revenue Code as applicable which are laws governing re rement accounts. The way we make money creates some conflicts 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. Under these special rules’ provisions, we must:  Meet a professional standard of care when making investment recommendations (give prudent advice);  Never put our financial interest ahead of yours when making recommendations (give loyal advice);  Avoid misleading statements about conflicts of interest fees and investments;  Follow policies and procedures designed to ensure that we give advice that is in your best interest;  Charge no more than is reasonable for our services; And  Give you basic information about conflicts of interest. Wrap fee programs RJCAC does not manage or place client assets into a wrap fee program. Investment management services are provided directly by RJCAC. Assets under management As of December 31st, 2022, the most recent date for which such calcula ons are provided pursuant to securi es regula ons RJCAC manages the following assets discre onary assets $100,490,000. Non- discre onary assets are $0.00. Total assets under management $100,490,000. Clients may request more current informa on at any me by contac ng RJCAC.