Firm Description Future Capital, formerly ProNvest, was founded in 2000 and is an investment adviser registered with the SEC. Future Capital is a privately held C corporation and maintains its principal office at 1110 Market Street, Suite 402, Chattanooga, Tennessee 37402. Ownership and Shared Resources Jay Jumper serves as Future Capital’s President and Chief Executive Officer and has a 37.4% ownership in Future Capital. ProNvest, Inc. dba Future Capital owns 100% of SIGNiX, Inc., a digital signature and remote notarization technology company headquartered in Chattanooga, Tennessee. Future Capital and SIGNiX share the following resources: Board of Directors, Jay Jumper as President and Chief Executive Officer, Richard Cribbs as Chief Financial Officer and Executive Vice President, Katy Blackwell as Chief Compliance Officer and General Counsel. Decisions by the shared Board of Directors and CEO are carefully reviewed, involving legal counsel involved as appropriate, to ensure compliance with legal and ethical standards and safeguard client interests. Future Capital’s Information Security Program is designed to safeguard client information, ensure data integrity, and comply with regulatory requirements. As part of this Program, Future Capital and SIGNiX maintain separate systems and infrastructures including access-based restrictions to ensure subsidiary staff cannot access client data. Controls are overseen by the CCO, the Senior Vice President of Product, Engineering Manager, and IT personnel. Types of Advisory Services Future Capital offers a proprietary retirement planning tool (“Retirement Planning Tool”) which is designed to help clients plan for retirement using a variety of client- and plan-provided data related to the client’s financial situation and retirement goals (e.g., age, income, savings, investments, assets, expenses, expected retirement age, expected retirement expenses, expected inflation rate, and expected Social Security), together with target date portfolio models generated by one or more third-party investment advisers to provide discretionary advisory services that include asset allocation, fund selection, and the provision of model investment portfolios (each, a “Model Provider”) using a glidepath methodology. Future Capital provides investment advisory services to clients through the Retirement Planning Tool and over phone, video, email, and in-person communications with clients. 6 Future Capital provides advisory services through agreements with retirement plan sponsors and clients. For purposes of this Brochure, a Future Capital client is (1) a retirement plan participant who enters into an Employer Sponsored Retirement Account Service Agreement or Managed Account Subscription Agreement; or (2) an individual retirement account (“IRA”) owner or a retail account owner who enters into an IRA and Retail Account Service Agreement. For more information on these agreements, see the Client Agreements paragraph, below. Discretionary and Non-Discretionary Investment Management. Future Capital provides discretionary and non-discretionary investment management and advisory services. For discretionary accounts, the client authorizes Future Capital to perform certain functions without further approval from the client, such as to buy, sell, and otherwise effect investment transactions in the name of the client’s account without first seeking the client’s permission. For non-discretionary accounts, Future Capital obtains client approval before taking any action in the account, such as issuing trade instructions. Tailored Relationships. Future Capital’s advisory services and recommendations are based on individual client needs. Each client has a unique financial situation, investment time horizon, funding strategy, investment experience, tax status, risk tolerance, goals, and other life circumstances that influence retirement planning. Future Capital uses client-specific information, to the extent made available and updated by the client, to aid in Future Capital’s selection of a portfolio aligned with the client’s retirement needs and goals. Clients may place reasonable restrictions on the management of their account. Certain investment restrictions may be deemed unreasonable by Future Capital, for example, if the restriction would prevent Future Capital from implementing the client’s investment strategy. Advisory Service Providers. The Model Provider designs model investment portfolios based on information regarding the menu of funds offered by a retirement plan sponsor. The Model Provider does not have authority to purchase or sell assets for a client’s accounts. The Model Provider has no responsibility for the selection of funds made available by the retirement plan sponsor for investment by the plan’s participants, voting of proxies, or for determining any legal matter with respect to the securities in which participants are invested. In our selection of the Model Provider, we consider the nature and quality of services provided and may replace the Model Provider at any time without first obtaining a client’s consent. As of the date of this filing, Future Capital utilizes Wilshire Associates, LLC as the Model Provider. Model 7 Provider information is made available to each client and may also be obtained by contacting us. Asset Allocation and Rebalancing. In order to implement and maintain the model investment portfolio, Future Capital issues trade instructions to purchase and

sell securities for a client’s account on a discretionary basis based on (1) the personal and financial information provided to us by a client; (2) the client’s investment strategy; and (3) the Model Provider’s recommended asset allocation and fund selection. Future Capital instructs the client’s custodian or platform provider (as applicable) to execute purchase or sell instructions for securities in the client’s account. Future Capital rebalances a client’s investment portfolio to the target asset allocation at least once per quarter. Clients who do not select an investment strategy are managed in a moderate, age-based investment strategy in accordance with the client’s service agreement. Client Agreements. Future Capital’s provision of advisory services is governed by a service agreement with clients which provides the terms and conditions of the relationship, details regarding our services, client responsibilities, and other important terms. Future Capital cannot assign the client agreement without the client’s consent, provided that a client will be deemed to have consented to assignment if the client does not object in accordance with the manner and timeframe set forth in the client agreement. A client agreement may be terminated upon five days’ advance notice to us from the client. Fee information for each client agreement is provided under Item 5 of this Brochure. The following list describes the categories of typical client agreements offered by Future Capital: Employer Sponsored Retirement Account Service Agreement: Future Capital enters into an agreement with an employer (retirement plan sponsor) through which Future Capital is authorized to provide advisory services to certain or all participants in the retirement plan pursuant to the terms and conditions of the Employer Sponsored Retirement Account Service Agreement. These agreements may be categorized as either “auto-manage” or “voluntary.” Under an auto-manage agreement, the employer authorizes Future Capital to automatically manage its retirement plan participants’ accounts as of a specified date unless the participant opts out of our services. Under a voluntary agreement, Future Capital is authorized to provide services only to retirement plan participants who specifically opt in to receive such services. Employer Sponsored Retirement Account Subscription Agreement: An agreement under which Future Capital provides month-to-month, subscription-based advisory 8 services directly to a participant in an employer sponsored retirement account without any relationship between Future Capital and the retirement plan. IRA and Retail Account Service Agreement: An agreement under with Future Capital provides advisory services to owners of an IRA or retail account. When deciding whether to roll over assets from an employer sponsored retirement account (“ESRA”) into an IRA, clients should consider information concerning advantages, disadvantages, and alternatives. Clients typically have the following options regarding ESRA assets:
• Keep the assets in an ESRA (or rollover to a new ESRA, where applicable and permitted).
• Rollover the assets into an IRA. The assets can continue to grow on a tax- deferred basis and the rollover is not subject to federal or state taxes. Tax- deferred means the client will pay federal and state taxes upon the amount withdrawn for retirement each year.
• Withdraw the assets and pay applicable taxes. Cashing out means the assets will not continue to grow on a tax-deferred basis, the client will be required to pay federal and state taxes, and under certain circumstances, an early withdrawal penalty may apply. Clients are not required to rollover any assets into an IRA, regardless of any recommendation we provide. If we recommend that a client rollover ESRA assets into an IRA and the client subsequently hires us to manage the IRA assets, we will earn an asset-based fee. If the client leaves or places the assets in an ESRA not managed by us, this will result in little or no compensation to us. If the client leaves or places the assets in an ESRA managed by us, we are compensated for asset management services in accordance with the client’s service agreement. We have a duty under the law to act in the client’s best interest exercising reasonable diligence, care, and skill in making a recommendation, despite any economic incentive that may exist for us to recommend a rollover or otherwise. Our recommendations are based on the information clients provide to us regarding risk tolerance, objectives, and financial circumstances. Assets Under Management (“AUM”) As of March 26, 2024, Future Capital managed $962,529,153 of assets for 12,768 clients. Of this total, approximately $889,603,085 is managed on a discretionary basis for 12,766 clients and $72,926,068 is managed on a non-discretionary basis for 2 clients. 9 AUM naturally fluctuates over time; therefore, disclosed AUM may be higher or lower at any point following the calculation date of calculation above. Retail Services Future Capital makes available to financial advisors, financial planners, and wealth managers a retail solution to access held-away client assets and offer retirement planning services using the Retirement Planning Tool for their wealth clients with workplace retirement accounts. This arrangement is typically structured through a promoter agreement described under Item 14 but may be modified to comply with proposed regulations, in which case Future Capital will amend this Brochure.