RHP offers a variety of advisory services, which include financial planning, consulting, and Wealth Management services. Prior to RHP rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with RHP setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). RHP filed for registration as an investment adviser in June 2019 and is owned by Glenn Royal, Michele Jones and Natalie Picha. As of December 2023, RHP had $264,433,297 in assets under management, $233,097,408 of which was managed on a discretionary basis and $31,335,889 of which was managed on a non-discretionary basis. While this brochure generally describes the business of RHP, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on RHP’s behalf and are subject to the Firm’s supervision or control. Wealth Management Services RHP provides clients with Wealth Management services which include a broad range of financial planning and consulting services as well as discretionary management of investment portfolios. RHP primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), and individual debt and equity securities. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios. Clients can engage RHP to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, RHP directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. RHP tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. RHP consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify RHP if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if RHP determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the

Firm’s management efforts. Project based and Hourly Expanded Consulting Services RHP offers clients a broad range of expanded consulting services on a project or hourly basis. The client and RHP will work together to select specific areas to cover. These areas may include, but are not limited to, the following: ● Business Planning ● Cash Flow Forecasting ● Trust and Estate Planning ● Investment Consulting ● Insurance Planning ● Retirement Planning ● Tax Planning ● Education Planning While each of these services is available on a stand-alone basis, certain of them can also be rendered in conjunction with investment portfolio management as part of a comprehensive Wealth Management engagement (described in more detail below). In performing these services, RHP is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. RHP recommends certain clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage RHP or its affiliates to provide (or continue to provide) additional services for compensation, including Wealth Management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by RHP under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising RHP’s recommendations and/or services. Retirement Plan Consulting Services RHP provides various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or all of the following services: ● Plan Design and Strategy ● Plan Review and Evaluation ● Executive Planning & Benefits ● Investment Selection ● Plan Fee and Cost Analysis ● Plan Committee Consultation ● Fiduciary and Compliance ● Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by RHP as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of RHP’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement.