General Information Resource Planning Group, Ltd. was founded in 1991 and provides Fee-Only financial planning and investment advisory services to its clients. A Fee-Only adviser is one who is compensated solely by the client and who does not receive any compensation that is contingent on the purchase or sale of a financial product. We do not sell any financial products or accept any commissions. Our compensation is derived from charging a percentage of the assets under management or fixed fee for financial advisory services. Financial Planning is not offered as a stand-alone service for a separate fee and is provided in conjunction with the management of the portfolio. Principal Owners John E. Howard and Georgia F. Howard are the principal owners of RPG. Please see the Brochure Supplement for more information on those who provide investment advice and have direct responsibility for client relationships. Type and Value of Assets Currently Managed As of December 31, 2022, RPG managed $278,825,194 on a discretionary basis and $0 assets on a non- discretionary basis. Financial Advisory Services We offer comprehensive financial planning and investment advisory services to you for a fee based on the managed portfolio value. Our work typically includes advice that addresses your financial condition on some or all of the following topics:
• cash flow planning;
• asset allocation;
• portfolio construction;
• investment policy statement design;
• investment implementation;
• tax management;
• tax planning;
• education planning;
• retirement planning;
• estate planning;
• risk management;
• philanthropic planning;
• pension optimization;
• stock option analysis;
• concentrated stock management;
• liquidity management;
• asset protection; and
• consolidated investment reporting. The planning process generally begins with us gathering data, asking relevant or necessary questions, assessing feelings and opinions about risk, analyzing the current portfolio, and preparing a balance sheet, cash flow statement, tax projections, and summary of insurance coverage. Once completed, we utilize all of this information and analysis to recommend improvements to the financial plan and determine a suggested investment allocation. In limited instances, we may also prepare tax returns for our financial advisory clients as an add-on service. The fees associated with tax preparation services are separate and in addition to ongoing financial advisory fees and are disclosed in Item 5. In managing an investment portfolio, we consider your financial situation, risk tolerance, investment horizon, earning’s potential, liquidity needs, tax considerations, investment objectives, and any other important issues to the state of affairs. We also seek to understand your personal values and family situation. We then assist in establishing an account structure and cash flow system that will fund those needs in a manner that is coordinated with the investment policy and financial plan, giving due regard to the attendant income tax consequences. On an annual, or more frequent basis, we reconcile cash flows to ensure that the plan remains on track to achieve the financial objectives. We develop an Investment Policy Statement (“IPS”) which formally outlines the investment objectives, strategy for investment, asset allocation, estimated cash flows, and asset classes utilized in the portfolio. Portfolios are implemented on a discretionary basis, which provides us the authority to execute trades in your account without having to first contact you regarding the trade. You may include other holdings and/or impose certain restrictions on your managed account with the understanding that these actions may adversely affect the portfolio performance and composition. Betterment Wrap Fee Program Our primary offering is Financial Advisory Services; however, not all clients need the full scope of these services. We also offer a portfolio management services package1

geared for young investors who desire to establish a long-term relationship with an adviser and whose assets and planning needs may not currently meet the firm’s typical requirements. We may recommend that such clients implement their investment portfolios through Betterment Institutional, a division of Betterment LLC (herein “Betterment” or the “Investment Platform”). Betterment is an online wealth management service that provides automated, algorithm-based portfolio management advice. We assist you to complete Betterment’s investor profile questionnaire and then recommend one of Betterment’s model portfolios that contains the asset allocation most closely aligned with your financial situation, investment objectives, risk tolerance, and other considerations. Betterment is responsible for investing your assets into the selected model portfolio and rebalancing as needed. We provide oversight and monitoring of Betterment and its model portfolios. On an annual basis, we contact you to discuss changes in your personal or financial situation, suitability, and any new or revised restrictions to be applied to the account. We also make portfolio managers available to discuss servicing matters with you. This service does not include financial planning. Your portfolio is held in a brokerage account opened by you at Betterment Securities. We are independent of and not owned by, affiliated with, or sponsored or supervised by Betterment Securities or any of its affiliates. You should note that the account[s] cannot contain investments that are not included in the Betterment Institutional universe of ETFs and cash equivalents. Further, if you participate in the Investment Platform, you must agree to accept electronic delivery of both Betterment and our investment management agreement(s), disclosure documents, prospectuses, statements and other materials applicable to the program. Retirement Plan Advisory Services The Employee Retirement Income Security Act of 1974 (“ERISA”) sets forth rules under which a Plan Sponsor may retain investment advisers for various types of services with respect to Plan assets. To the extent that the Plan Sponsor retains us to act as an investment manager within the meaning of ERISA § 3(38), we will act as a fiduciary and provide discretionary investment management services to the Plan. When retained as an investment manager within the meaning of ERISA § 3(38), we provide continuous and ongoing supervision over the designated retirement plan assets. We will actively monitor the designated retirement plan assets and provide ongoing management of the assets. When applicable, we will have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the designated retirement plan assets in our sole discretion without first consulting with the Plan Fiduciaries. We also have the power and authority to carry out these decisions by giving instructions, on your behalf, to 1 Financial planning services are not provided to clients receiving portfolio management services through Betterment. brokers and dealers and the qualified custodian(s) of the Plan for our management of the designated retirement plan assets. Retirement Plan Rollovers We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries 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. We have to act in your best interest and not put our interest ahead of yours. If we recommend that you roll over your retirement plan assets into an account to be managed by us, such a recommendation creates a conflict of interest if we will earn a new (or increase our current) advisory fee because of the rollover. Investing in an IRA with us may be more expensive than an employer-sponsored retirement plan. You are under no obligation to roll over plan assets to an IRA managed by us or to engage us to monitor and/or manage the account while maintained at your employer.