The Retirement Group, LLC (“TRG”) provides investment advisory services to individuals and trusts. TRG uses Charles Schwab & Co. (“Schwab”) and Pershing, LLC to clear advisory account transactions and to custody assets for their advisory accounts. However, a client can specifically request and negotiate for an alternative custodian and broker to execute and clear transactions. TRG will also use a variety of third party money managers to assist clients in meeting their desired investment allocations and goals. MANAGED SEPARATE ACCOUNTS TRG provides clients an opportunity to utilize the investment skills of professional third party money managers. The third party manager is granted discretionary authority with respect to investment management of client accounts. TRG does not act in such a capacity, nor have such authority. TRG assists the client in completing their client profile and choosing an investment manager that best matches the client’s investment objectives and goals. Clients may also impose reasonable restrictions upon the management of the account. TRG monitors managers on an on- going basis for financial soundness, performance, and to insure that the manager is adhering to the goals and investment objectives stated in the program. TRG uses Modern Portfolio Theory to integrate money managers into an overall portfolio that is based on the client’s risk tolerance, liquidity needs and time horizon. Overall portfolios are rebalanced to maintain asset style allocation weightings that have been agreed upon with the clients. Generally, TRG charges 1% on client accounts over $1,000,000. However, TRG may charge up to 2.5% on client accounts under $1,000,000 based upon complexity. Clients receive reports directly from the third party manager. Schwab provides reports detailing the accounts’ performance quarterly. Clients also can make inquires of their third party manager through TRG. The client may terminate any third party manager and assign or reassign investment managers upon written notice to all parties, including TRG. Termination of a third party manager does not terminate the advisory relationship between the client and TRG. The client’s third party investment manager is the attorney-in-fact for the account and may vote proxies according to its discretion. Neither Schwab, Pershing, nor TRG act in such a capacity or have such authority. INTERNALLY MANAGED ACCOUNTS TRG Investment Adviser Representatives work with clients to identify their investment goals and objectives as well as risk tolerance in order to create an initial portfolio allocation designed to complement the client’s financial situation and personal circumstances. The portfolio may consist of listed stocks, preferred stocks, exchange-traded index funds, corporate bonds, CD’s, mortgage backed agency securities, no-load mutual funds, load-waived mutual funds, and front-load fee offset mutual funds purchased prior to engaging TRG’s services. The investment strategies utilized depend on the individual client’s investment objectives and goals as provided to TRG. Portfolios are constructed following Modern Portfolio Theory and focus primarily on a long-term buy and hold approach as opposed to short-term trading. However, each client has the opportunity to place reasonable restrictions on the type of investments to be held in the portfolio. TRG has and may continue to periodically rebalance the client’s account to maintain the initially agreed upon strategic and tactical asset allocation. However, no changes are made to the agreed- upon asset allocation, nor are assets rebalanced in nondiscretionary accounts, without prior client review and consent. OTHER MANAGED ACCOUNT PLATFORMS: VISION2020 WEALTH MANAGEMENT PLATFORM – ADVISOR MANAGED PORTFOLIOS PROGRAM The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools, and based on your responses to a risk tolerance questionnaire (“Questionnaire”) and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation, we construct a portfolio of investments for you. This portfolio may consist of mutual funds, exchange traded funds, equities, options, debt securities, variable life, variable annuity sub- accounts (certain restrictions may apply) and other investments. Each portfolio is designed to meet your individual needs, stated goals and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. All information held on the V2020 platform is protected and confidential. TRG will not allow a Registered Rep or Investment Advisor Representative to take your information without TRG approval. For further Advisor Managed Portfolios details, please see the Advisor Managed Portfolios Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in Advisor Managed Portfolios. Please read it thoroughly before investing.” VISION2020 WEALTH MANAGEMENT PLATFORM – MODEL PORTFOLIOS PROGRAM The Wealth Management Platform - Model Portfolios Program (“Model Program”) offers Clients managed asset allocation models (“Asset Allocation Models”) of mutual funds or exchange traded funds (“ETFs”) diversified across various investment styles and strategies. The Asset Allocation Models are constructed by managers (“Program Managers”) such as Russell Investment Management Company, ICON Advisers, Inc. and Morningstar

Associates, LLC. Based upon the risk tolerance of each Client, the Model Program utilizes a system that selects a specific Asset Allocation Model which may contain either 1) a combination of mutual funds or 2) a combination of exchange traded funds (“ETFs”) depending on which Program Manager is used. Together, we will select a recommended Asset Allocation Model. After the Asset Allocation Model is chosen, we, with the assistance of the Model Program sponsor, will open a Model Program account. Your assets will be invested in the specific investments contained within the recommended Asset Allocation Model. You have the opportunity to place reasonable restrictions on investments held within the Model Program account. For further Model Program details, including a full list of Program Managers, please see the Model Program Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in the Model Program. Please read it thoroughly before investing. VISION2020 WEALTH MANAGEMENT PLATFORM – SMA AND UMA PROGRAM The Wealth Management Platform – SMA and UMA Account Program (“Wealth Managed Account Program” or “WMAP”) provides you with the opportunity to invest your assets across multiple investment strategies and asset classes by implementing an asset allocation strategy. WMAP is a Wrap Account program that offers these advisory services along with brokerage and custodial services for a single, asset-based, advisory fee. We will present you with a WMAP asset allocation model (“WMAP Model”) for your approval which will consist of: 1) third party money managers (“WMAP Managers”) who will manage your WMAP account according to a particular equity or fixed income model or strategy, or 2) no-load mutual funds (“Funds”), or 3) exchange traded funds (“ETFs”) or any combination thereof (individually or collectively, “WMAP Investments”). WMAP Investments will be managed according to the selected WMAP Model. WMAP Investments are held within a separately managed account or a series of separately managed accounts (collectively, “SMA Account”) or in one, unified managed account (“UMA Account”). We will suggest a WMAP Model to you based on your responses to a risk tolerance questionnaire (“Questionnaire”) and discussion that we have together regarding among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation. In addition, you have the opportunity to place reasonable restrictions on investments held within your WMAP account. For further WMAP details please see the WMAP Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in WMAP. Please read it thoroughly before investing. MANAGED ASSETS PROGRAM The Managed Assets Program (“MAP Program”) is an investment management program that provides you with access to multiple managers who provide investment advice to you on portfolios consisting of individual stocks, bonds, exchange traded and mutual funds. You can choose a variety of investment managers across asset classes and investment styles for a complete asset allocation strategy or seek an investment manager for a single asset class. More specifically, you will generally choose from the following three options: - The Single Asset Category Proposal allows you to select investments in a single asset class either by asset class (e.g. US Large Cap Equity) or by investment style (e.g. US Large Cap Growth Equity). - The Asset Allocation Proposal which allows you to allocate your investments across multiple asset classes and investment styles using multiple brokerage accounts. - The Diversified Multi-Strategy Portfolio Proposal which allows you to allocate your investments across multiple asset classes and investment styles using a single brokerage account. In addition, you have the opportunity to place reasonable restrictions on investments held within your MAP Program account. For further MAP Program details, please see the MAP Program Wrap Fee Brochure. We provide this brochure to you prior to or concurrent with your enrollment in WMAP. Please read it thoroughly before investing. LEGACY ACCOUNTS TRG provides clients an opportunity to obtain the services of professional third-party money managers through programs made available through Osaic Wealth, Inc. The third party manager has discretionary trading authority with respect to the investment management of these client accounts. Neither TRG nor Osaic act in such a capacity nor have such authority. TRG continues to monitor managers for these client accounts. TRG also continues to use Modern Portfolio Theory to integrate these money managers into an overall portfolio that is based on the client’s risk tolerance, liquidity needs and time horizon. Overall portfolios are rebalanced to maintain asset style allocation weightings that have been agreed upon with the client. FINANCIAL PLANNING TRG provides clients and prospects with a free eMoney report designed to help them achieve their financial goals and investment objectives. This report is a cashflow projection tool. It includes sample investment strategies which are not meant to be specific recommendations for the client. The preparation of such a plan may necessitate that the client provide TRG with personal data such as family records, budgeting, personal liability, estate information and additional financial goals. The report is a review of the client’s company retirement benefits, which includes income and earnings projections based on generic asset allocation assumptions. An initial fee may be assessed to compensate TRG for a financial planning consultation. Although there are exceptions, financial planning fees paid by the client or potential client will generally not exceed 1% of assets under management. As of December 31, 2023, TRG managed $544.45 million, all on a discretionary basis.