RPA Financial, LLC (“RPA” or “Advisor”) is registered as an investment advisor with the United States Securities and Exchange Commission. RPA is organized as a limited liability company under the laws of the state of California. The sole owner of RPA Financial is Global Retirement Partners, LLC. Geoffrey White is the Chief Executive Officer and Cosmo Gould is the Chief Compliance Officer. RPA only provides services to companies and entities that provide their employees retirement plan benefits. RPA recognizes that our retirement plan advisors, by acting in a fiduciary capacity to their plan clients, provide services that are critical in helping clients fulfill their obligations as set forth by the US Department of Labor under the Employee Retirement Income Security Act of 1974. We support this effort by providing our Investment Advisory Representatives (“IAR”) tools and resources necessary to meet client needs, objectives, and obligations. With our dynamic and experienced team, RPA provides the following investment advisory and management services to pension plans, profit sharing plans, and defined contribution plans. I. Retirement Plan Consulting Services for ERISA and Non-ERISA Covered Plans: RPA provides advisory and other services for plan sponsors on a discretionary or non-discretionary basis to be agreed upon by RPA and the client as detailed in our scope of services. For non-discretionary services, RPA and the IAR will act in a solely advisory capacity and will not have or exercise any discretionary authority or discretionary control respecting management or the investment of the assets of the plan. For discretionary services, RPA and the IAR will be designated as the Investment Manager to the plan with responsibility to provide the investment selection and asset management for the plan. The IAR will acknowledge that RPA and the IAR will serve as fiduciaries to the plan in providing the investment advisory services delineated in the agreement signed by the client and RPA. RPA and the IAR provide the following services to Retirement Plan clients: Preparation of Investment Policy Statement: RPA and the IAR will assist clients in preparing an initial draft investment policy statement (“IPS”), including investment objectives, policies, and constraints consistent with the plan’s requirements and provide an annual review of the IPS. The client will be responsible for reviewing and adopting the IPS and updating the IPS to reflect changes in the plan and its investments from time to time. Investment Selection: The IAR will review the plan’s investments and recommend investment manager(s) and investments consistent with the requirements of the plan’s IPS as adopted by the client. If the plan is a participant directed plan, the IAR will recommend investment alternatives with a view to complying with the “broad range” requirements under regulations issued by the U.S. Department of Labor (“DOL”) under section 404(c) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If RPA has been engaged as an investment advisor to the plan, the IAR will assist the client in implementing the plan’s investment program solely upon the client’s direction. If RPA has been appointed as the Investment Manager, the IAR will implement recommendations for the plan after notice to the client. Brochure Page 5 of 14 Performance Monitoring and Reporting: The IAR will monitor the plan’s investment manager(s) and investments and may recommend additional investments and investment managers or other changes from time to time. The IAR will prepare and provide to the client (at intervals mutual agreed by the client and the IAR) reports monitoring plan investment managers and investments comparing the performance to benchmarks set forth in the IPS. The IAR will recommend appropriate action, when necessary, that may include replacing an investment or investment manager.

If the IAR is engaged as the Investment Advisor to the plan, the IAR will assist the client in implementing recommendations solely upon the client’s direction. If the IAR is appointed as the Investment Manager, the IAR will implement its recommendations after notice to the client. Fiduciary Education Services: The IAR may provide in person or online training sessions for the clients, including their plan committee members, relating to the investment duties of fiduciaries. Participant Education Services: If the plan is participant directed, the IAR may provide investment education and information to participants as agreed from time to time, including in person group sessions, and providing educational materials. Unless otherwise agreed to by the client and IAR, the IAR’s services will be limited to investment education services within the meaning of DOL Interpretive Bulletin 96-1 and the IAR will not provide individualized advice to any participants with respect to the investment of their individual accounts under the plan. Service Provider Search Support: The IAR will assist the client with the preparation of requests for proposals, evaluation of proposals and bids, and interviews of investment providers (e.g., insurance or brokerage firms or mutual fund companies) offering plan recordkeeping and investment services and other plan service providers, as requested by the client. IV. Hourly and Fixed Fee Consulting Services: RPA will charge on an hourly or fixed fee basis for consulting services. The total estimated fee will be based on the time, scope, and complexity of our engagement with clients. Generally, our hourly fee will not exceed $350. In the case of fixed fee, payment for services will be according to individual arrangement. In general, a portion of the fee may be paid in advance with the balance paid upon the completion and presentation of the project. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.” Brochure Page 6 of 14 Assets Under Management/Advisement RPA Financial provides investment advisory and management services to clients. As of December 31, 2023, RPA Financial reflects $5,251,417,811 in assets under advisement. This includes approximately $2,013,381,362 in non-discretionary institutional assets under advisement, primarily comprised of ERISA qualified retirement plans where RPA Financial acts as a 3(21) fiduciary, and approximately $3,238,036,449 in discretionary institutional assets under advisement, primarily comprised of qualified retirement assets where RPA Financial acts as an ERISA 3(38) investment manager. In addition, RPA Financial provides consulting services to clients that have combined assets of $18,651,607,861.00 as of December 31, 2023. Combined, RPA Financial works with clients that have plans with assets of $23,903,025,673.00. RPA does not participate in wrap fee programs.