APFS was formed in 1999. IFTI was the principal owner of APFS. IFTI is a consulting and actuarial firm specializing in the design, installation and administration of employee benefit plans. IFTI refers clients to APFS, and IFTI provides consulting and actuarial services to APFS clients who are also IFTI clients. On December 1, 2021 APFS and IFTI were acquired by NFP Retirement, a subsidiary of NFP Corp. As of September 30, 2023, APFS manages approximately $214 million in assets on a discretionary basis and approximately $154 million in assets on a non-discretionary basis. APFS is a registered investment advisor and certain investment programs are sub-advised by Envestnet Portfolio Solutions, Inc. (“Envestnet”). APFS provides an investment management recommendation services in which it matches the goals and investment objectives of its clients with the investment programs it offers. Clients may place restrictions on their investments in their Client Profiling Questionnaire (the “Profile”), including in particular issuers/types of securities. APFS offers clients six Envestnet investment programs, each of which is described below: Program 1: Selected Fund Account – 1 (Mutual Funds Models) This program includes mutual funds selected by our sub-advisor, Envestnet, and purchased on a “no load” or a “load waived” basis through the custodian based on the information provided by the client. Envestnet acts as account manager for all accounts under this program. Subject to the limitations described in the client’s responses to the Profile or other appropriate suitability analysis (including any reasonable restrictions the client may place on account investments), Envestnet has full authority to supervise and direct the investment of the monies contributed by the client in accordance with a model portfolio created by Envestnet without prior consultation. Program 2: Selected Fund Account – 2 (Unified Managed Account) This program includes general securities, including mutual funds, exchange-traded funds (“ETFs”), stocks and bonds, selected by our sub-advisor, Envestnet, and purchased and sold through the custodian, recommended and selected by Envestnet based on the information submitted by the client. Envestnet has arrangements with certain other registered investment advisors who have agreed to act as third-party providers of research services (“Research Providers”). Envestnet from time to time obtains the security rankings and/or purchase and sale recommendations of such Research Providers in the form of model portfolios or otherwise as appropriate in order that Envestnet may manage certain assets in accordance with a Research Provider’s recommendations. Envestnet acts as manager for all accounts under this program. Subject to the limitations described in the Client’s responses to the Profile or other appropriate suitability analysis (including any reasonable restrictions the Client may place on account investments), Envestnet has full authority to supervise and direct the investment of the monies contributed by the client without prior consultation. Program 3: Selected Fund Account – 3 (SMA) Registered investment advisors (“Separate Account Managers”) selected by APFS and its sub-advisor based on the information submitted by the client manages accounts under this program. All Separate Account Managers enter into appropriate, standard-form sub-advisory contracts with Envestnet obligating each Separate Account Manager to perform its respective duties in accordance with the requirements of the program. The client approves all transactions in the account other than transactions of approved Separate Account Managers who manage the account on a discretionary basis. The client approves the selection of Separate Account Managers. The investment recommendations for the account are subject to the limitations described in the client’s response to the Profile or other appropriate suitability analysis (including any reasonable restrictions the client may place on account investments). Program 4: ActivePassive Portfolios This program includes the selection of ActivePassive Funds selected by APFS in conjunction with our sub- advisor, Envestnet, based on the information submitted by the client. Envestnet acts as the investment advisor for these funds. The funds are purchased on a “no load” or a “load waived” basis through the custodian. Envestnet acts as account manager for all accounts under this program. Subject to the limitations described in the client’s responses to the Profile or other appropriate suitability analysis (including any reasonable restrictions the client may place on account investments), Envestnet has full authority to supervise and direct the investment of the monies contributed by the client to the account without prior consultation. Program 5: Select Fund Account – 4 (Advisor as Portfolio Manager) This program includes mutual funds selected by APFS’s advisory representative based on the information submitted by the client and purchased on a “no load” or a “load waived” basis through the custodian. The program may also include exchange-traded funds (“ETFs”) and general securities (stocks and bonds) selected by APFS’s advisory representative based on the information submitted by the client. APFS, through its advisory representatives, acts on a discretionary basis. The investment recommendations for the account are subject to the limitations described in the client’s responses to the Profile or other appropriate suitability analysis (including any reasonable restrictions the client may place on account investments). APFS, through the Envestnet Platform, executes transactions on behalf of its clients. Program 6: Rep. Managed UMA This program includes mutual funds selected by APFS’s advisory representative based on the information submitted by the client and purchased on a “no load” or a “load waived” basis through the custodian. The program may also include exchange-traded funds (“ETFs”) and general securities (stocks and bonds) selected by APFS’s advisory representative based on the information

submitted by the client. APFS utilizes research on managers and securities analysis provided by Envestnet. APFS, through the Envestnet Platform, executes transactions on behalf of its clients. APFS, through its advisory representatives, acts on a discretionary basis. The investment recommendations for the account are subject to the limitations described in the client’s responses to the Profile or other appropriate suitability analysis (including any reasonable restrictions the client may place on account investments). In addition to the six investment programs described above, APFS offers ten other investment programs: Ascensus, Inc. (Ascensus) Ascensus provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Ascensus’ family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Empower Retirement, LLC (Empower) Empower provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Empower’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Fidelity Investments (Fidelity) Fidelity provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Fidelity’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. John Hancock Retirement Services (John Hancock) John Hancock provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution qualified plans. These platforms utilize group annuity mutual fund wrap programs. John Hancock’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Lincoln Financial Group (Lincoln) Lincoln provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Lincoln’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Nationwide Mutual Insurance Company (Nationwide) Nationwide provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Nationwide’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. One America Financial Partners, Inc. (OneAmerica) OneAmerica provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. OneAmerica’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Principal Financial Services, Inc. (Principal) Principal provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Principal’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Simply Retirement by Principal (Simply) Simply provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution plans. These platforms utilize group annuity mutual fund wrap programs. Simply’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts. Voya Financial, Inc. (Voya) Voya provides investment platforms designed to encompass the needs of both trustee-directed and participant-directed defined contribution qualified plans. These platforms utilize group annuity mutual fund wrap programs. Voya’s family of products has been built around a combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. Participants select the investment options for their accounts.