A. Advisor Background FMB Retirement Services (“FMBRS”) was founded in May 2012 in the form of a related SEC‐ registered investment Advisor to FMB Wealth Management (“FMBWM”), both advisors being under the majority ownership of Debra A. Fields, CFP®. FMBRS is a privately‐owned boutique Registered Investment Advisor (RIA) firm and full scope 3(21) fiduciary or 3(38) fiduciary for qualified plans, located in Westlake Village, California. FMBRS is designed to offer suitable clients asset allocation services, consolidated reporting, and periodic recommendations pursuant to retirement investment objectives chosen by the clients. FMBRS will not serve as custodian for FMBRS’ client accounts or their assets. FMBRS coordinates the financial affairs of a limited number of clients by implementing a comprehensive retirement plan consulting process. We specialize in long‐term investment strategies and dynamic portfolio design. We only accept new clients when we believe that we can add value to those clientsʹ financial situations. We primarily use passive, low‐cost strategies for investments and a consultative and collaborative approach to investing. FMBRSʹ clients are offered customized choices and solutions that will assist them with reaching their goals and reinforcing their values. These solutions are developed and delivered in close consultation with the clients as well as with other trusted advisors in a highly collaborative environment. In every aspect of our work, we make an uncompromising commitment to provide world class client service and strive to meet every clientʹs highly individualized retirement needs. FMBRS and FMBWM share office space, employees, and management personnel. Most investment advisor representatives of FMBRS are also employee IARs with FMBWM. B. Management and Advisory Personnel Debra A. Fields, CFP® Year of Birth: 1958 Designations: CFP® (Certified Financial Planner™) Education: BA French/Business, University of Redlands, 1980 CFP® Certified Financial Planning Board of Standards, 1987 Business FMB Wealth Management Background: President, CFO, Secretary (2018 – present) Secretary, Treasurer, and Director (2001 ‐ present) FMB Retirement Services President, Secretary, CFO (2018 – present) Secretary, Treasurer and Director (2012 – present) 6 FMB Retirement Services, Form ADV Part 2A 3/19/2024 FMB Insurance Services President, Secretary (2018 – present) Secretary, Treasurer and Director (2016 – present) Reportable Ms. Fields has not been involved in a disclosure event where she was found Disclosures: liable in any civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Debra A. Fields does not have any other business activities other than administrative management of FMBRS’ related advisor, FMB Wealth Management, and FMBRS’ related insurance agency, FMB Insurance Services. * * * Grant E. Blindbury, CFP® Year of Birth: 1979 Designations: CFP® (Certified Financial Planner™) Licenses: NASAA Uniform Combined State Law Examination (Series 66) California Life, Health and Disability Insurance licensed Education: BA Business, UCLA, 2001 CFP® Certified Financial Planning Board of Standards, 2008 Business FMB Wealth Management Background: Partner, Director, Investment Advisor Representative (2001 ‐ present) FMB Retirement Services Partner, Director, Investment Advisor Representative (2012 – present) Reportable Grant E. Blindbury has not been involved in a disclosure event where he was Disclosures: found liable in any civil, self‐regulatory organization, or administrative proceeding, and has not been the subject of a bankruptcy petition. Other Business Activities: Grant E. Blindbury is a Director, Partner and salaried IAR with FMBRS’ affiliated Advisor, FMB Wealth Management (“FMBWM”). Mr. Blindbury is also licensed to sell life insurance products in the State of California and receives insurance commissions for doing so. Mr. Blindbury reports directly to Debra A. Fields for all FMBRS business. You may contact Ms. Fields by calling 805‐446‐4494. * * * Jeremy J. Fields, CFP®, AIF®, FBS®, RF™ Year of Birth: 1988 Designations: CFP® (Certified Financial Planner™) 7 FMB Retirement Services, Form ADV Part 2A 3/19/2024 AIF® (Accredited Investment Fiduciary) RF™ (Registered Fiduciary) FBS® (Certified Financial Behavior Specialist) Licenses: NASAA Uniform State Investment Advisor Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: BS Business Administration, University of San Diego, 2010 CFP® Certified Financial Planning Board of Standards, 2016 Business FMB Wealth Management Background: Director, Partner, Investment Advisor Representative (2012 ‐ present) FMB Retirement Services Director, Partner, Investment Advisor Representative (2012 ‐ present) FMB Insurance Services Chief Financial Officer (2018 – present) Reportable Jeremy J. Fields has not been involved in a disclosure event where he was found Disclosures: liable in any civil, self‐regulatory organization, or administrative proceeding, and has not been the subject of a bankruptcy petition. Other Business Activities: Jeremy J. Fields is a Director, Partner and IAR with FMBRS’ affiliated Advisor, FMB Wealth Management (“FMBWM”). Mr. Fields is also licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Jeremy J. Fields reports directly to Debra A. Fields for all FMBRS business. You may contact Ms. Fields by calling (805) 446‐4494. * * * Daniel L. Mock, CFP®, M.S. Year of Birth: 1991 Designations: CFP® (Certified Financial Planner™) M.S. (Master of Science) Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: B.A. Economics, California Lutheran University, 2013 B.A. Political Science, California Lutheran University, 2013 Masters of Science (M.S.), Quantitative Economics, California Lutheran University, 2014 CFP® Certified Financial Planning Board of Standards, 2016 Business FMB Wealth Management Background: Partner, Investment Advisor Representative; 8/2014 – Present 8 FMB Retirement Services, Form ADV Part 2A 3/19/2024 FMB Retirement Services Investment Advisor Representative; 8/2014 – Present Reportable Daniel Mock has not been involved in any disclosure event where he was found Disclosures: liable in an arbitration claim alleging damages in excess of $2,500, or found liable in a civil, self-regulatory organization, or administrative proceeding, and has not been the subject of a bankruptcy petition. Other Business Activities: Mr. Mock is a Partner and registered IAR employee with FMBRS’ affiliated RIA, FMB Wealth Management (“FMBWM”). Mr. Mock is also licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Daniel Mock reports directly to Debra A. Fields for all FMBRS business. You may contact Ms. Fields by calling (805) 446‐4494. * * * Andrew J. Miller Year of birth: 1979 Designations: CRPS® (Chartered Retirement Plans Specialist) Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: Bachelor of Science in Kinesiology, California State University, Northridge, 2003 Business FMB Wealth Management Background: Investment Advisor Representative; 8/2016 – Present FMB Retirement Services Investment Advisor Representative; 1/2020 – Present Reportable Andrew J. Miller has not been involved in any disclosure event where he Disclosures: was found liable in an arbitration claim, or found liable in a civil, self‐regulatory organization, or administrative proceeding, and has not been the subject of a bankruptcy petition. Other Business: Mr. Miller is a registered IAR employee with FMBRS’ affiliated RIA, FMB Wealth Management (“FMBWM”). Mr. Miller is also licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Andrew J. Miller reports directly to Debra Fields for all FMBRS business. You may contact Ms. Fields by calling (805) 446‐4494. * * * 9 FMB Retirement Services, Form ADV Part 2A 3/19/2024 Jake L. Berman, MBA Year of birth: 1995 Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) Education: Bachelor of Science in Business Administration, California State University Channel Islands, May 2017 Masters of Business Administration (MBA), May 2022 Business FMB Wealth Management Background: Director of Advisor Services ; 4/2021 – Present FMB Wealth Management Wealth Management Coordinator; 8/2018 – 4/2021 FMB Retirement Services Investment Advisor Representative; 3/2023 ‐ Present Reportable Mr. Berman has not been involved in any disclosure event where he was found Disclosures: liable in an arbitration claim, or found liable in a civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business: Mr. Berman is Director of Advisor Services and registered IAR employee with FMBRS’ affiliated RIA, FMB Wealth Management (“FMBWM”). Jake Berman reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. * * * Natalia M. McClure Year of birth: 1990 Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) Education: Art Studies, Moorpark College Business FMB Wealth Management Background: Associate Advisor; 9/2022 – Present FMB Retirement Services Associate Advisor; 8/2023 – Present Horst & Graben Wealth Management, LLC Operations Specialist; 2/2018 – 9/2022 Royal Alliance Registered Representative; 2/2018 – 12/2019 10 FMB Retirement Services, Form ADV Part 2A 3/19/2024 Reportable Ms. McClure has not been involved in any disclosure event where she was found Disclosures: liable in an arbitration claim, or found liable in a civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Ms. McClure is an Associate Advisor and registered IAR employee with FMBRS’ affiliated RIA, FMB Wealth Management (“FMBWM”). Natalie McClure reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. * * * C. Use of Professional Designations: Certified Financial Planner™ (CFP®). The Certified Financial Planner™, CFP® and federally registered CFP® marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and several other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:  Education – Complete an advanced college‐level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;  Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two‐day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;  Experience – Complete at least three years of full‐time financial planning‐related experience (or the equivalent, measured as 2,000 hours per year); and 11 FMB Retirement Services, Form ADV Part 2A 3/19/2024  Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to maintain the right to continue to use the CFP® marks:  Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and  Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Accredited Investment Fiduciary (AIF®). The AIF® (ACCREDITED INVESTMENT FIDUCIARY®) professional designation is the first and only designation that demonstrates knowledge and competency in the area of fiduciary responsibility. With the media awash with stories of financial scandals, investors are demanding that investment advisors embrace a higher standard of practice than ever before. The AIF® professional designation and certification is issued by the Center for Fiduciary Studies, and the training is the best way for investment fiduciaries and professionals to absorb the Prudent Practices, their legal underpinnings and how to apply them within existing fiduciary policies and procedures. Holders of the AIF® mark have successfully completed this specialized program on investment fiduciary standards and subsequently passed a comprehensive examination. To qualify for the AIF® Designation, candidates must meet minimum criteria for Screening, Education and Training standards, Professional Development standards, and Relevant Industry Experience standards. The AIF® training concludes with an examination to apply for and earn the AIF® Designation. The AIF® final exam is a proctored exam. The requirement for a proctor ensures the integrity of the examination process as one of the high standards for earning the AIF® Designation. Registered Fiduciary™ (RF™). The Registered Fiduciary™ (RF™) certification identifies financial professionals that have achieved pertinent academic qualifications and licenses, learned required practices, and have passed a background check. The RF™ certification prepares a candidate to comply with the regulatory requirements of acting as a fiduciary under current laws. The RF™

certification is continuously being updated to reflect the most recent regulatory, marketplace and technology changes. 12 FMB Retirement Services, Form ADV Part 2A 3/19/2024 This fiduciary standard distinguishes RF™ designated professionals as having met the highest standard in the financial industry. All valid certified RF™ are listed on the Registry of Fiduciary Professionals. RF™ certifications are further defined by specialties. Each designee has one or more specialties that identify the services that he/she is qualified to provide. Certified Financial Behavior Specialist® (FBS®). The Certified Financial Behavior Specialist® (FBS®) designation is a professional certification mark for financial professionals providing financial consulting services conferred by the Financial Psychology Institute®. To receive authorization to use the marks, the candidate must meet specific educational and continuing education requirements in the areas of behavioral finance and financial behavior. Certification Requirements:  Bachelor’s Degree or higher from a Regionally Accredited Institute of higher learning and/or a License, Registration, or Certification in financial planning, counseling, coaching, mental health, or a related field.  Completion of a Certificate in Financial Psychology & Behavioral Finance or related field.  Agreement to adhere to the Financial Psychology Instituteʹs® Code of Ethics.  20 Hours of CEUs in approved courses related to financial planning, financial behavior, or a related field every 2 years, either through the Financial Psychology Institute® or other approved providers.  Two letters of recommendation from professionals familiar with financial psychology or financial therapy, and who are also familiar with your work. Certificate holders include practicing financial planners, financial coaches, financial counselors, and mental health practitioners who use the theories and tools of financial behavior to provide more holistic services to clients, better understand financial beliefs and behaviors, and work more effectively with individuals, couples, families, and organizations around money. By using the marks, the FBS® Certificant promises to adhere to the ethical standards guide as defined in the Financial Psychology Instituteʹs® Code of Ethics. Chartered Retirement Plans Specialist® (CRPS®). The Chartered Retirement Plans Specialist® (CRPS®) designation is a credential for those who create, implement and maintain retirement plans for businesses. Unlike most other professional financial planning and advisory professional designations, the CRPS® focuses on wholesale and business clients. It is awarded by the College for Financial Planning to individuals who pass an exam demonstrating their expertise. Every two years, CRPS® professionals must complete 16 hours of continuing education and pay a nominal fee to continue using the designation. The Chartered Retirement Plans Specialist® program is a case‐study‐based, client‐centered problem‐solving approach. The study program to become a CRPS® covers types and characteristics of retirement plans, including IRAs, small business retirement plans, defined contribution plans, nonprofit plans, 401(k) and 403(b) plans, and government plans. 13 FMB Retirement Services, Form ADV Part 2A 3/19/2024 Keeping up with changes to tax codes and other laws is important for a chartered retirement plans specialist. For example, the passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act in December 2019 brought forth some hefty changes to the retirement industry. As of 2020, under the new law, the age for taking required minimum distributions (RMDs) is no longer 70.5, but age 72. Then, a few years later, Congress passed the SECURE 2.0 Act which increased the RMD age to 73. Being mindful of these changes as they occur are central to the role of chartered retirement plans specialist. D. Advisory Services The Employee Retirement Income Security Act of 1974, as amended (ERISA) requires employee benefit plan fiduciaries to act solely in the interests of, and for the exclusive benefit of, plan participants and beneficiaries. FMBRS provides full scope 3(21) fiduciary or 3(38) fiduciary for qualified plans and retirement services for Pensions, 401ks and other qualified retirement plan clients. Retirement Services is comprised of Investment Consulting, Advanced Planning and Relationship Management. Investment Consulting incorporates historical portfolio performance analysis, risk evaluations, and asset allocation. FMBRS provides full scope fiduciary services in compliance with ERISA § 3(21) as follows: 1. Strategic Planning and Investment Policy Services Meet with the Plan Sponsor to assist in developing an Investment Policy Statement (“IPS”). Alternatively, if the Plan has an existing IPS, the IAR will review the existing IPS and assist the Plan Sponsor to determine whether the Plan is performing consistent with the IPS and/or whether the IPS needs to be revised, based on an analysis of the Plan’s liquidity requirements, performance goals, and risk tolerance levels of the Plan, using information provided by the Plan Sponsor. 2. Assessment of Investments Conduct an initial and/or periodic annual review of Plan investments and investment options including, without limitation, investment performance, fund expenses and style drift for investments offered by the Plan to participants; provide investment recommendations to the Plan Sponsor from time to time as deemed warranted by IAR for alternative investment options for the Plan to make available to its participants (which decision shall remain the sole and exclusive decision of the Plan Sponsor and/or their delegate). 3. Plan Review Conduct a review of the Plan design and use best efforts to advise the Plan Sponsor whether the Plan is operating in accordance with Plan documents. 4. Plan Fee and Cost Review Conduct a periodic annual review, using a third‐party tool, of fees and costs charged to Plan by other service providers to assist Plan Sponsor with monitoring the reasonableness of fees and costs paid by the Plan. 14 FMB Retirement Services, Form ADV Part 2A 3/19/2024 5. Third Party Service Provider Liaison Act as a liaison for the Plan and Plan Sponsor, on an as needed basis, when dealing with the trustee, custodian, plan actuary and other third‐party services providers to the Plan. 6. Participant Investment Information The IAR will prepare information regarding allowable contributions and the choice of investments, which the Plan participant may implement at his/her sole discretion. Individual participant investment recommendations are not covered under this agreement. 7. Coordination with Other Consultants Interact with outside advisors or tax, legal and accounting counsel as necessary and requested by the Plan Sponsor. 8. Participant Education and Communication Coordinate investment education and enrollment for Plan participants. This does not include IAR performing onsite Plan participant meetings, providing individualized investment advice to Plan participants, or acting in a fiduciary capacity for Plan participants. ERISA Section 3(38) FMBRS Managed Vision Portfolios: FMBRS designs, constructs, and maintains each Model Portfolio and serves as Model Portfolio Manager. FMBRS shall not render any investment advice as to the selection of funds, which decision shall be within the sole discretion of Client. FMBRS shall have the authority and discretion to initially select, add or remove any underlying mutual fund, however, if it is from the series selected by client, for purposes of rendering Fiduciary Services. If any mutual fund not listed above shall be utilized for Model Portfolio purposes, FMBRS IAR shall provide Client with a mutual fund prospectus and relevant information about fees and required disclosure items at least sixty days prior to the use of such mutual fund in any Model Portfolio. If Client does not object in writing to the use of such mutual fund in a Model Portfolio following the sixty‐day notice period, then Client shall be deemed to have provided consent to the use of such mutual fund. Model Portfolios are not managed securities but rather asset allocation portfolios utilizing only the underlying mutual funds from the approved series of mutual funds designated by Client. The allocation of asset classes within each Model Portfolio to achieve each strategy shall be based on generally accepted investment theories and modern portfolio theory. FMBRS shall modify asset allocation within the Model Portfolio based on its professional judgment. FMBRS shall re‐balance Model Portfolio at its discretion based on conformance to its investment policy for proprietary investment bands. FMBRS may allow for some deviation from the investment policy (depending on the size of the position) based upon level of deviation of the asset class and other factors. ERISA Section 3(38) Qualified Default Investment Alternative (“QDIA”) Services: FMBRS will provide QDIA management services by creating and managing the Model Portfolio that allocates the assets of individual accounts for participants who are automatically enrolled 15 FMB Retirement Services, Form ADV Part 2A 3/19/2024 in the Plan but who fail to make an investment election. The Model Portfolio will be constructed to achieve varying degrees of long‐term appreciation and capital preservation through a mix of equity and fixed income exposures offered through mutual funds as designated above by Client. FMBRS shall diversify, reallocate, and rebalance the QDIA Model Portfolio and associated risk levels over time in accordance with generally accepted investment theories. In providing QDIA Services, FMBRS shall act as an ERISA fiduciary and will serve as an “investment manager” as defined in ERISA Section 3(38) only with respect to the assets of a participant’s account which have been defaulted into the QDIA. The Client retains the sole responsibility to provide notices to participants as required under ERISA Section 404(c)(5). In providing Fiduciary Services under this Agreement, FMBRS has no responsibility to provide any Fiduciary Services with respect to the following types of assets: employer securities, real estate (but excluding real estate funds), participant loans, non‐publicly traded securities or assets; other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). FMBRS shall have no authority or responsibility to provide Fiduciary Services with respect to voting proxies for securities held by the Plan or take other action related to the exercise of shareholder rights regarding such securities. FMBRS does not act as, nor will FMBRS agree to assume the duties of, a trustee of the Plan or as Plan Administrator (as such term is defined under ERISA). FMBRS has discretion only with respect to investments in the Model Portfolio but no discretion to interpret the Plan documents, to determine eligibility or participation under the Plan, or to take any other action with respect to the management, administration, or any other aspect of the Plan. Further, FMBRS does not serve as a custodian for the Plan and does not take custody of Plan assets. Non‐Fiduciary Services: FMBRS may coordinate for a suite of services, performed by various non‐affiliated service providers, for the management and investment of Plan assets. Clients may select among various services including investment management services by Agreement, custodial record‐keeping and third‐party administration services provided under agreement between Client and respective service providers, and services rendered by Advisor to Clients as agreed among them. FMBRS may provide other Non‐Fiduciary Services as agreed to in writing with Clients. FMBRS acts as a fiduciary of Plans under Sections 3(21)(A)(i) and 3(38) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) and under the Investment Advisors Act of 1940 (the “Act”). In performing any other services from time to time, including Non‐Fiduciary Services, FMBRS provides consulting or administrative support to Clients and acts solely as an agent of Clients (whether or not Client is acting as Plan Administrator) and acts solely at the direction of Clients and is not acting as a Fiduciary of the Plan. When FMBRS has been granted discretionary power and authority to act as an investment manager for the Plan, FMBRS may be a fiduciary. 16 FMB Retirement Services, Form ADV Part 2A 3/19/2024 Custody of Plan assets will be maintained with an independent custodian selected by Clients and approved by FMBRS. Generally, the independent custodian will be one of the following: Charles Schwab Institutional (“Schwab”), Fidelity Investments (“Fidelity”), Nationwide Retirement (“Nationwide”), Transamerica Retirement Services (“Transamerica”), Empower Retirement Services (“Empower”), Ascensus, PCS Retirement, Principal Financial Group, TruStage, or American Funds (Capital Group). FMBRS will not have custody of any assets. Clients will be solely responsible for paying all associated fees, charges and expenses by the respective custodian. FMBRS will not have any liability with respect to custodial arrangements or the acts, conduct, or omissions of the chosen custodian. Clients authorize FMBRS to instruct the custodian on Clients’ behalf to provide FMBRS and IAR with copies of all periodic statements and other reports that the custodian sends to Clients. The sole standard of care imposed on FMBRS in performing the Fiduciary Services is to act with the care, prudence, and diligence under the circumstances then prevailing that a prudent man acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of like character and with like aims, provided, however, that nothing in the executed Agreement limits any responsibility that FMBRS may have to Client to the extent such limitation would be inconsistent with applicable laws, including securities laws. FMBRS has not completed, nor will it complete, any independent due diligence or investigations of Clients, other than the required positive identification of each account beneficial owner(s), as required by federal and state law. Otherwise, FMBRS relies solely on the facts presented by Clients. FMBRS uses passively managed index mutual funds and Exchange Traded Funds (ETF’s) from various asset classes to achieve diversification. Many of the funds used are from Dimensional Fund Advisors (DFA). These funds are purchased and held at an independent third–party discount stock brokerage firm or qualified retirement plan custodian. For participant‐directed Defined Contribution pension plans held with qualified custodians, IAR will review and analyze all available investment options. E. Client Needs IARs conduct initial discovery meetings with each potential advisory client to discuss their financial needs, personal goals, risk tolerance and overall investment objectives in depth. It is beneficial to the client for each client to provide accurate and candid information and promptly inform their IAR of any material changes in their circumstances as soon as a change occurs so their IAR can re‐evaluate their portfolio to see if adjustments to the advisory account portfolio are necessary. Clients may impose restrictions on investing in certain securities or types of securities in most advisory programs. F. Wrap Programs FMBRS and its associated IARs do not offer or participate in wrap fee programs. 17 FMB Retirement Services, Form ADV Part 2A 3/19/2024 G. Client Assets Under Management As of December 31, 2023 (our fiscal year‐end) FMB Retirement Services had 82 Pension and other corporate retirement plan clients and was managing approximately $ 120,741,257 in assets on a discretionary basis. FMBRS does not manage non‐discretionary account assets. 18 FMB Retirement Services, Form ADV Part 2A 3/19/2024