About ADVISOR ADVISOR, a South Carolina LLC was founded in 2018 and became registered with the SEC on December 4, 2018 as an Investment Advisor. The firm’s owners are Retirement Funding Advisors, LLC, owned 100% by Mr. James Carson Vaughan, and Welch Benefit Group, an S-corporation for Mr. Ray William Welch III (“Tripp” Welch). Listed below is a description of the various investment advisory services offered by ADVISOR through registered individuals associated with ADVISOR as Investment Advisor Representatives (“IAR”). IARs may hold themselves out to the public using business names other than ADVISOR. These are known as “doing business as” names or, more commonly, “DBAs”. IARs must disclose on their advertising and correspondence materials that they are IAR’s of ADVISOR and that securities are offered through ADVISOR. Description of Clients ADVISOR IARs provide discretionary and non-discretionary portfolio management. The Advisor provides discretionary and non-discretionary portfolio management as well as financial planning and general consulting services to individuals, high net worth individuals, corporations, trusts, estates, charitable organizations, retirement plans and retirement and pension plan participants. Advisory Services ADVISOR IARs offer financial planning and consulting. Financial planning typically involves providing a variety of services to individuals or entities regarding the management of their financial resources based upon an analysis of their individual needs. Generally, financial planning services involve preparing a financial analysis for a client based on the client’s stated life-goals, income, and financial needs, and may also include a review of the client’s investment objectives and risk tolerance. Based on the information the IAR gathers, a financial plan or investment analysis will be developed. The IAR may use various computer software tools to assist them in creating the plan. While the IAR will not provide tax or legal advice, with client permission the IAR may speak with the client’s attorney or tax professional. Portfolio Management Based on its review of the information provided by the client, the Advisor generally develops with each client a financial outline for the client based on the client’s financial circumstances and goals, and the client’s risk tolerance level (the “Financial Profile”); and the client’s investment objectives and guidelines (the “Investment Plan”) The Financial Profile reflects the client’s current financial picture and a look to the future goals of the client. The Investment Plan outlines the types of investments the Advisor will make or recommend on behalf of the client based on the Advisor’s own research and analysis to meet those goals. The elements of the Financial Profile and the Investment Plan are discussed periodically with each client but are not necessarily written documents. The Investment Plan will be updated from time to time when requested by the client, or when determined to be necessary or advisable by the Advisor based on updates to the client’s financial or other circumstances To implement the client’s Investment Plan, the Advisor will manage the client’s investment portfolio on a discretionary or a non-discretionary basis pursuant to an investment advisory agreement with the client. As a discretionary investment advisor, the Advisor will have the authority to supervise and direct the portfolio without prior consultation with the client. Clients who choose a non-discretionary arrangement must be contacted prior to the execution of any trade in the account(s) under management. This may result in a delay in executing recommended trades, which could adversely affect the performance of the portfolio. This delay also normally means the affected account(s) will not be able to participate in block trades, a practice designed to enhance the execution quality, timing and/or cost for

all accounts included in the block. In a non-discretionary arrangement, the client retains the responsibility for the final decision on all actions taken with respect to the portfolio. Notwithstanding the foregoing, clients may impose certain written restrictions on the Advisor in the management of their investment portfolios, such as prohibiting the inclusion of certain types of investments in an investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of the relationship. Each client should note, however, that restrictions imposed by a client may adversely affect the composition and performance of the client’s investment portfolio. Each client should also note that his or her investment portfolio is treated individually by considering each purchase or sale for the client’s account. For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ, and clients should not expect that the composition or performance of their investment portfolios would necessarily be consistent with similar clients of the Advisor. Separate Account Managers The Advisor may utilize one or more Separate Account Managers, each a “Manager”, when appropriate and in accordance with the Investment Plan for a client. Having access to various Managers offers a wide variety of manager styles and offers clients the opportunity to utilize more than one Manager if necessary to meet the needs and investment objectives of the client. The Advisor will usually select the Manager(s) it deems most appropriate for the client. Factors that the Advisor considers in recommending/selecting Managers generally includes the client’s stated investment objective(s), management style, performance, risk level, reputation, financial strength, reporting, pricing, and research. The Manager(s) will generally be granted discretionary trading authority to provide investment advisory services for the portfolio. In most cases, the client will select one or more Managers recommended by the Advisor and enter into separate agreements which such Managers. Under certain circumstances, the Advisor retains the authority to terminate the Manager’s relationship or to add new Managers without specific client consent. In any case, with respect to assets managed by a Manager, the Advisor’s role will be to monitor the overall financial situation of the client, to monitor the investment approach and performance of the Manager(s), and to assist the client in understanding the investments of the portfolio. Qualified Plan Consulting ADVISOR IAR’s offer consulting services to qualified plans and their fiduciaries. Advisory services are rendered on non- discretionary and discretionary basis at the election of each plan sponsor. In general, these services may include existing plan review, design of an investment policy statement, asset allocation advice, investment selection, communication and education services, performance monitoring and/or ongoing consulting. Services to Qualified Plan Participants The Advisor may also provide investment advice directly to plan participants but only as a nondiscretionary fiduciary. The Advisor provides participants with diversification strategies and recommendations, and the participants will have the sole responsibility to execute the transactions. In some cases, the Advisor may, after approval of the client, instruct the record- keeper or third-party administrator to execute recommendations on the client’s behalf. From time to time, the Advisor will also meet with plan participants to provide general investment education, which may include basic information regarding insurance products, mutual funds, annuities, inflation, risk and diversification Assets Under Management As of December 31, 2023, ADVISOR managed $255,743,839in assets on a discretionary basis and $23,516,544 on a non- discretionary basis.