RIA Advisors has operated as an investment adviser since 2009. As of December 31, 2023, RIA Advisors had $1,239,415,376 in client assets under management. Its principal owners are Connie Mack, Richard Rosso, Lance Roberts and James Daniel Ratliff. Asset Management RIA Advisors primarily provides fee-based investment advisory services. Our main business is “managing investment advisory accounts.” Specifically, this service describes: A) Determining what your current financial situation is and what you want to accomplish with your investments over time; B) Developing a plan that is tailored to your situation; C) Buying and selling investments on your behalf to accomplish the life goals you have. RIA Advisors may also provide ongoing advice on assets held away at custodians with which RIA Advisors does not have a relationship. This includes direct management of 401ks, 403bs, 529 plans, and other assets where RIA Advisors has discretion and may leverage an Order Management System to implement allocation or rebalancing strategies on behalf of the client. The client securely logs into the order management system and allows RIA Advisors to manage accounts without taking custody of assets. RIA Advisors regularly reviews the current holdings and available investment options in these accounts, monitors the accounts, rebalances and implements RIA Advisors’ strategies as necessary. In limited circumstances, RIA Advisors provides ongoing advice for non- discretionary, held-away accounts. Robo-Advisory Portfolio Management Services RIA Advisors provides “robo-advisory” portfolio management services through an online interface. This entails the use of algorithm-based portfolio management advice, rather than in-person investment advice. These automated investment solutions are customized to each client and based on individual characteristics, such as the client’s age, risk tolerance, income, and current assets, among others. RIA Advisors’ investment advisory personnel oversee the algorithm but may not monitor each client’s account. Clients are encouraged to update their account/questionnaire with any change in their objectives, risk tolerance, or other pertinent information as that information factors into the portfolio’s composition. Financial Planning RIA Advisors will create a financial plan covering the following areas: A) Fundamentals-Budgeting, Net Worth Statement, and Cash Flow Analysis; B) Investment Planning-Determine risk tolerance, create investment strategy for each goal, provide recommendations on company retirement plan; C) Risk Analysis-Insurance review of all policies covering Life, Health, Property, and Casualty to ensure adequate coverage at competitive prices; D) Income Tax Planning-Review overall tax strategy as it pertains to small business, investment vehicles, and account tax status; E) Estate Planning-Review will and make sure account registration reflects strategy contained in will. Discuss life planning events and create estate strategy around those events. Plan Services RIA Advisors will provide tax-qualified employee retirement plans (“Client”) with continuous and regular supervisory or management services as set forth below in connection with the securities, cash and or other investments (the “Account Assets”) held from time to time in the Account. RIA Advisors shall provide such services to Client, on a non-discretionary basis, and in accordance with the objectives as heretofore specified by Client, and in accordance with the Investment Policy Statement of the Plan (“IPS”). Additionally, RIA Advisors shall make recommendations, consistent with the IPS, as to diversified menu of investment funds to be offered to Plan Participants and beneficiaries covered by the Plan. From time to time, Client and RIA Advisors may amend, modify, or revise the below services as needed to reflect, on a prospective basis, changes in the description of services. Services to be provided: A) Creation of customized Investment Policy Statement- Creation of due diligence procedures for adding or removing an investment from platform; B) Annual review of Investment Policy Statement; C) Creation of Education Policy Statement-decide the content, method and frequency of distribution to plan participants; D) Annual review of Education Policy Statement-Review for potential refinement or updating of material; E) Annual review of QDIA to ensure compliance with DOL and ERISA standards; F) Plan design consultations as needed to keep up with industry changes; G) Comprehensive service provider review annually-cost benefit analysis of all service providers including RIA Advisors. Review of cost to ensure competitive pricing compared to industry; H) Annual SAFE review- Self-Assessment of Fiduciary Excellence (SAFE) and Consultant’s Assessment of Fiduciary Excellence (CAFE). SAFE is a review of understanding of fiduciary care a form of a self-audit; I) Review of Fidelity Bond-Should have policy that allows incremental increases as the plan grows. If not will provide annual assessment to see if more coverage is needed; J) Annual testing results of plan- Goal is to have 80% employee participation and will recommend strategies to reach goal; K) Quarterly review of plan- Review investments on platform, confirmation of annual notices sent to participants, review changes of retirement plan contribution limits and ensure TPA has necessary information for filing; L) Continual Fiduciary education of 401k committee; M) Continual Employee education- will work in partnership with plan service provider to maintain continuity; N) One on one participant consultations in person or over the phone;

O) One on one consultation with terminated employees to provide education around the choices they have. ERISA Fiduciary The Adviser provides advisory services, which include providing retirement Plan Sponsors or other plan fiduciaries (“Plan Sponsors”) investment advisory and management services by assisting plans in establishing and/or maintaining a consistent and ongoing documented process of prudent oversight and due diligence. The Adviser provides services to clients that sponsor a retirement plan that is qualified under the Internal Revenue Code of 1986, as amended (the “IRC”) and/or subject to the Employee Retirement Income Security Act of 1974 (“ERISA”). Services may include benchmarking, plan design strategies, analysis, fiduciary consulting and oversight, plan level investment advice and investment fund selection and monitoring services, and some employee education services. In regard to fund selection, the Adviser employs the fi360’s research and analytical analysis to score mutual funds as part of its selection process. The Adviser does not act as, and has not agreed to assume the duties of, a Plan trustee or the “Plan Administrator,” as defined under section 3(16) of ERISA nor as trustee as described by SEC Rule 206(4)-2. The Adviser has no discretion to interpret the Plan documents, to determine eligibility or participation under the Plan, to provide participant disclosures or communications, to ensure contributions are timely received by the Plan or to exercise any other action with respect to the management, administration or any other aspect of the Plan. The Adviser’s services are offered to assist plan fiduciaries as they carry out their investment related responsibilities and these services should not substitute for or diminish the careful deliberation and determination of plan fiduciaries, after appropriate consultation with their other professional advisers and the review of relevant plan documentation. Non-Discretionary 3(21) Fiduciary Services When the Adviser performs “3(21) Fiduciary Services,” the Adviser will act as a co- fiduciary “investment adviser” that provides “investment advice” as defined under Section 3(21) of ERISA. Under this arrangement, the Adviser is appointed by the plan sponsor or trustee to determine a recommended lineup of investments to be included in the Plan. These recommendations are presented to the Plan Sponsor, who has the ultimate responsibility to accept or reject the recommendation. The Adviser will not have any further responsibility to communicate instructions to any third‐party, including the custodian, and/or third‐party administrator. The Adviser will not communicate directly with the recordkeeper regarding administrative and recordkeeping matters arising under the Adviser’s investment advisory agreement with the Plan Sponsor, or more generally about the recordkeeper’s services to the Plan. The Adviser will provide the Plan Sponsor with a sample investment policy statement. Each retirement Plan Sponsor should adopt a final investment policy statement (“IPS”) which serves as a guide for the Adviser’s investment advisory services. The Adviser offers the following 3(21) services:
• Investment screening
• The selection of replacement funds to which existing Plan balances may be transferred
• Assisting clients to finalize a Plan’s investment lineup of funds available for investment by Plan participants and used for other administrative purposes under the Plan
• Assisting clients with electing a “qualified default investment alternative” as defined in section 404(c)(5) of ERISA
• Quarterly plan review meetings – including review of Investment Funds In the Adviser’s capacity as a 3(21) plan fiduciary, they will conduct research to determine appropriate investment selections and allocations and to project potential ranges of returns and market values over various time periods and using various cash flows to assist the Plan Sponsor in determining the appropriate investment options for the retirement plan. The data used to select the investment options is based on estimated, forward-looking performance of various asset classes and subclasses to create our forward-looking capital markets assumptions (e.g., expected return, expected standard deviation, correlation, etc.). Past performance and the return estimates of the asset classes and the indices that correspond to these asset classes may not be representative of actual future performance. Actual results could differ, based on various factors including the expenses associated with the management of the portfolio, the portfolio’s securities versus the securities comprising the various indices and general market conditions. Before a specific investment is selected, other factors such as economic trends, which may influence the choice of investments and risk tolerance, should be considered. The Adviser has the responsibility and authority to recommend the investment line up including evaluating investment managers and mutual fund companies, individual mutual funds, and money market funds which may be retained or replaced. The Plan Sponsor has the responsibility and authority to make the final decision regarding what investments to include and when to add or exclude a specific security. Back Office Support RIA Advisors provides RIA Wealth, an unaffiliated investment adviser, with back-office operational services, including daily account reconciliation, asset transfers, billing and other back-office functions. Wrap Program Adviser does not participate in any wrap fee programs.