A. Firm Information Vision Retirement, LLC is a registered investment adviser. The firm’s founding member, Paul D, Muller, formed the firm as Vision Retirement which was registered in New Jersey as an LLC on 8/13/2012. The firm was registered as an independent investment adviser in September of 2014. The Firm offers Advice, Integrated Financial Planning, Tax Services and Consulting for clients. In addition, Vision Retirement also offers Fiduciary Investment Management, Automated Investing and Client Directed Accounts. Paul D. Muller, CFP, AEP - Founder, Wealth Advisor and CCO Paul is the Founder and CCO of Vision Retirement. Paul graduated from the State University of New York at Albany with a degree in Economics and has over 25 years of experience in the financial industry. He’s a Certified Financial Planner Professional (CFP®), Accredited Estate Planner (AEP®) and holds FINRA series 6, 7, 24, 63 and 65 securities registrations through LPL Financial. Paul has also been a seven-time recipient of the Five Star Award. Jean Riordan, CFP, ChFC, MBA - Relationship Manager and VP of Tax Planning Jean graduated from the University of Albany, SUNY with a degree in Business/Management Economics. In addition, Jean earned an MBA in Finance from Iona College. She is a Certified Financial Planner (CFP®) Professional, a Chartered Financial Consultant (ChFC) and holds FINRA series 7, 63 and 65 securities registrations through LPL Financial. Benjamin Stark, CFP - Financial Advisor and Director of Client Experience Ben graduated from Pace University at Pleasantville, New Yor with a degree in Finance. Ben has over six years of experience as a financial advisor and is a Certified Financial Planner (CFP®) Professional. Prior to joining Vision Retirement, he was with TJP Wealth Solutions in Tarrytown, New York. Ben holds FINRA series 7, and 66 securities registrations through LPL Financial. Bill Stavros - Chief Operating Officer Bill has spent most of his career in the financial services industry and marketing events to Fortune 1000 companies. He holds a Master’s Degree in Direct & Interactive Marketing from New York University and is a Certified Customer Experience Professional through the Customer Experience Professionals Association. Joanne Raso Rosenblatt - Director of Operations Joanne earned a Bachelor of Science degree in Economics/Finance with a concentration in Mathematics from the University of Scranton. Joanne started in financial services at Goldman Sachs, and later moved to AIG Investment Advisors. After taking time off from Wall Street to raise a family, she re-entered the workforce and took various roles – most of which involved helping small organizations better organize and manage their financials. Dawn Barkey - Client Operations Specialist Dawn has spent over 25 years in the finance industry, holding various positions. After 13 years at ESL Investments deciding not to relocate with the company, she began a new leg of her career working with financial advisors & most recently landed at Vision Retirement. B. Services Offered The investment advisor representatives with Vision Retirement are appropriately licensed and authorized to provide advisory services on behalf of Vision Retirement. Investment advisor representatives with Vision Retirement may also be registered representatives of LPL Financial (LPL) doing business as Ridgewood Financial Advisors. LPL is an SEC registered broker/dealer, and a member of the Financial Regulatory Authority ("FINRA") and the Securities Investors Protection Corporation (“SIPC”). Securities transactions shall be directed to LPL Financial for execution. Vision Retirement and LPL Financial are unaffiliated legal entities. Our clients turn to us for Advice, Integrated Financial Planning, Tax Services, Consulting, Fiduciary Investment Management, Automated Investing and Client Directed Accounts. Investment advisor representatives are restricted to providing services and charging fees based in accordance with the descriptions detailed in this document and the account agreement. However, the exact service and fees charged to a particular client are dependent upon the representative that is working with the client. Advisors are instructed to consider the individual needs of each client when recommending services. Investment strategies and recommendations are tailored to the individual client based on the advice and planning needs. Advice (Monthly Subscription) The firm offers a monthly subscription fee-based advice service that includes advice from an Advisor, helping clients address anything from routine questions to more complex life-changing events. More specifically, they get to speak to an Advisor anytime. The subscription is delivered in three areas: Advice, Technology and Education. Advice
• Navigating specific events
• Developing an Investment Roadmap
• Reviewing client’s portfolio
• Ensuring our clients are managing the basics
• Annual check up Technology
• VR Connect
• VR Risk Score
• Monthly Pulse Education
• Markey Commentary and Insights
• Articles on various topics Integrated Financial Planning As part of our financial planning services, Vision Retirement, through its investment advisor representatives, provides personal financial planning tailored to the individual needs of the client. These services may include, as selected by the client on the financial planning agreement, information and recommendations regarding tax planning, investment planning, retirement planning, business needs, education planning, life and disability insurance needs, long-term care needs and cash flow/budget planning. The services take into account information collected from the client such as financial status, investment objectives and tax status, among other data. Fees for such services are based on the service provided and detailed in the client agreement. The financial plan may include recommendations as to general types of insurance products, investment products, investment strategies or specific securities which may be appropriate for the Client to purchase given his/her financial situation and objectives. The Client is under no obligation to act upon the investment adviser’s recommendation or purchase such securities through Vision Retirement and the IAR or Ridgewood Financial Advisors. However, if the Client desires to purchase insurance, securities or fiduciary investment services in order to implement his/her financial plan, Vision Retirement and Ridgewood Financial Advisors may make a variety of products and services available through its IARs. This may result in the payment of normal and customary commissions, advisory fees or other types of compensation to Vision Retirement, Ridgewood Financial Advisors, and the IAR. Depending on the type of account and products used to implement a financial plan, such compensation may include (but is not limited to) advisory fees, commissions; mark-ups and mark-downs; transaction charges; confirmation charges; small account fees; mutual fund 12b-1 fees; mutual fund sub-transfer agency fees; hedge fund, managed futures, and variable annuity investor servicing fees; retirement plan fees; fees in connection with an insured deposit account program; marketing support payments from mutual fund, annuity and insurance sponsors; administrative servicing fees for trust accounts; referral fees; compensation for directing order flow; and bonuses, awards or other things of value offered by Vision Retirement to the IAR. To the extent that IAR recommends that Client invest in products and services that will result in compensation in form of a commission being paid by a sponsor and to the IAR, this presents a conflict of interest. This compensation to IAR may be more or less depending on the product or service that IAR recommends. Therefore, the IAR may have a financial incentive to recommend that a financial plan be implemented using a certain product or service over another product or service. Advice and planning services are made available to clients and may or may not result in a written plan. The amount of time required per plan can vary greatly depending on the scope and complexity of an individual engagement. A particular client’s plan will include the relevant types of planning specific to their needs and objectives such as:
• Cash Flow
• Charitable Giving
• Disability Insurance
• Distribution Strategies
• Education
• Employee Benefits
• Estate Planning
• Executive Compensation Planning
• Life Insurance
• Long Term Care Insurance
• Major Purchases
• Medicare Insurance
• Retirement
• Social Security
• Tax-Optimized Investing
• Tax Planning
• Trust Integration Clients of Vision Retirement can certainly choose to implement any of the plans at a different firm; however, Vision Retirement is also able to implement the plan. Hourly Consulting Consulting services are similar to financial planning and also available to all clients but tend to be more specific to a particular area of interest, less comprehensive and on a straight hourly basis verses a flat fee based on an anticipated number of hours. Vision Retirement, through its investment advisor representatives, may provide consulting services on an hourly basis. These services may include, as selected by the client in the consulting agreement, advice regarding tax planning, investment planning, retirement planning, cash flow/budget planning, business planning, education planning, and personal financial planning. The services take into account information collected from the client such as financial status, investment objectives and tax status, among other data. The investment advisor representatives may or may not deliver to the client a written analysis or report as part of the services. The investment advisor representatives tailor the hourly consulting services to the individual needs of the client based on the

investment objective chosen by the client. The engagement terminates upon final consultation with the client. Tax Services Our personal income tax preparation service will help save you time by having a single point person for all your tax-related needs. You’ll also better optimize your money since efforts between your financial advisor and our CPA partners will be better coordinated. This means you’ll not only get consistent advice, but you’ll minimize the chance for errors and avoid overpaying in taxes. Plus, you won’t have to worry about being rushed out the door, so your accountant can get through their backlog of returns. Fiduciary Investment Management (FIM) Vision Retirement through its Investment Advisor Representatives (IAR’s) provides Fiduciary Investment Management(FIM). Vision Retirement and its IAR’s rely on third party intellectual property for the allocations and strategies of clients’ assets. Vision Retirement may or may not be the responsible party for placing trades in client accounts held at a third party non-affiliated custodian. Vision Retirement performs due diligence on the third-party firms to make sure that the firms are qualified to execute on the strategies they advertise. Vision Retirement in its fiduciary capacity may override the decisions of a third-party firm if they feel it’s in the best interest of the client. The custodian may offer various programs for the IAR to take advantage of in offering a client for their strategy and allocation implementation. Investment Advisor Representatives may provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), variable annuity subaccounts, real estate investment trusts (“REITs”), equities, and fixed income securities as it relates to the strategists selected by Vision Retirement. The allocations used for a particular client are determined using various tools to assist the IAR in making recommendations to the client based on risk tolerance, goals, and time horizon. The advice is tailored to the individual needs of the client based on the investment objective chosen by the client in order to help assist clients in attempting to meet their financial goals. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment profile. Quarterly reviews are offered in person, via video conference or by phone. More specifically, Fiduciary Investment Management includes, but is not limited to the following:
• Global Diversification Global diversification helps you to broaden your investment options beyond the U.S. and helps cushion against the volatility of a concentrated portfolio.
• Rebalancing Rebalancing is the process of buying and selling assets within a portfolio to maintain the desired level of asset allocation and risk. This disciplined approach ensures your portfolio is managed according to your desired risk tolerance.
• Tax Loss Harvesting Designed to help you offset a capital gains liability, this strategy sells investments that have lost value and replaces them with similar ones to maintain your target investment mix and diversification strategy.
• Broad Range of Investment Options You have access to a broad range of investment options that can give you exposure to virtually any asset class.
• Due Diligence & Oversight We'll vet the vast universe of investments that are available in the marketplace to ensure they are appropriate for our client’s situation. What's more, our Investment Committee will oversee our clients investments by analyzing their performance relative to benchmarks while taking into consideration your risk tolerance score.
• Trading & Administrative Fees Our pricing covers a wide range of fees, including third-party custodian, record keeping, and transaction charges. Robo-Investment Management (VR Robo) The firm offers a digital investing solution which combines the power of automated investing through Betterment LLC with the expertise and guidance from a financial advisor. The Betterment platform gives clients access to a variety of exchange-traded funds (EFTs) and mutual funds. The platform captures information about the client and client goals to determine the appropriate allocations, trade execution, portfolio rebalancing and dividend reinvestment. This includes ongoing guidance from your financial professional and an annual review of your account. More specifically, VR Robo Investment Management includes, but is not limited to the following:
• Goal-Based Investment Management Betterment’s goal-based investment platform allows advisors and Clients to identify multiple investment goals for each Client, each with specific portfolio allocations.
• Portfolio Construction Tools Advisors and Clients have access to a set of portfolio strategies, each of which is comprised of low-cost, index- tracking exchange-traded funds or mutual funds (the latter only for advisors who are approved to construct portfolios with Dimensional Fund Advisors mutual funds), and are able to customize the risk-level for each investment goal
• Automated Investment Management Services Betterment’s algorithms automate back-office tasks such as trading, portfolio management, tax loss harvesting, and account rebalancing
• Website and Mobile Application Betterment’s website and mobile application provide a platform for account access and monitoring and delivery of account documentation and notices Client-Directed Investment Account (CDIA) The firm offers a client-directed investing option for those who don’t need investment management and/or want to be more involved in the investing process. CDIA allows for clients to choose between individual securities, exchange-traded funds (ETFs), and mutual funds and then call your financial advisor to review and execute the transaction. The minimum account opening requirement for this account is $ 5,000, and most trades have a $9 fee per trade. This option is available to clients who have a monthly subscription advice plan or have a or Clients who have another investment management account either FIM or VR Robo. Retirement Plan Rollovers When Vision Retirement provides investment advice to clients regarding retirement plan accounts or individual retirement accounts the firm is 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 Vision Retirement make money creates some conflicts with a client’s interests, so Vision Retirement operates under a special rule that requires the firm to act in a client’s best interest and not put the firm’s interests ahead of a client. Vision Retirement can also provide educational services to retirement plan participants with assets that could potentially lead to a recommendation to roll-over plan assets to an Individual Retirement Account (IRA) advisory account. An employee generally has four (4) options for their retirement plan when they leave an employer:
• Leave the money in his/her former employer’s plan, if permitted;
• Rollover the assets to his/her new employer’s plan, if one is available and permitted;
• Rollover to an Individual Retirement Account (IRA); or,
• Cash out the account value, which has significant tax considerations. Vision Retirement has an incentive to recommend a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a client’s best interest. C. Client Account Management Prior to engaging Vision to provide investment advisory services, each Client is required to enter into an investment advisory agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy Vision, in connection with the Client, may select a strategy that seeks to achieve the Client’s goals and destinations. The strategy is designed to address the Client’s personal goals, investment goals, and both long- term and short-term objectives.
• Asset Allocation Vision will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client.
• Portfolio Construction Vision will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision Vision will provide investment management and ongoing oversight of the Client’s relationship’s investment portfolio. D. Wrap Fee Programs Vision includes securities transaction fees together with its investment advisory fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes its investment management services for its Clients. The Advisor sponsors the Vision Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own transaction fees. Please see Appendix 1 –Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management Assets under management shall be reported following the Advisor’s December 31,2022 fiscal year end or sooner. Discretionary Assets Non-Discretionary Assets $97,267,354 $8,863,529 $106,130,883 Clients may request more current information at any time by contacting the Advisor. F. Legacy Clients A legacy Client is defined as a client who was onboarded prior to November of 2020. All legacy clients can continue to operate with the agreement signed with Vision Retirement. However, If a Legacy Client and Vision Retirement feel it would be more beneficial for the client to use the services outlined here then a new agreement will be executed.