RISE (hereinafter “RISE” or the “Firm”) offers a variety of advisory services which include financial planning, consulting and investment management. Prior to rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with RISE setting forth the relevant terms and conditions of the advisory relationship (the “Agreement”). RISE provides strategic investment management and seeks to monitor and rebalance client portfolios to maintain an efficient risk/return tradeoff and manage portfolio risk. To that end, the Firm will analyze client information to assess a client’s current situation, define their goals and determine what should be done in order to meet those goals. Depending on what services the Firm is engaged to provide, this could entail analyzing client assets, liabilities and cash flow, current insurance coverage, investments, tax strategies, and other personal goals and desired outcomes. The Firm believes an approach that carefully monitors client portfolios and leverages technology to effectively manage client assets plays a central role in meeting client objectives. RISE has been an independent registered investment adviser since June 2020 and is principally owned by Scott G. Klatt, Mark B. Jones, Zachary M. Harrington and Stephanie M. Kelm. While this brochure generally describes the business of RISE, 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 any other person who provides investment advice on RISE’s behalf and is subject to the Firm’s supervision or control. Financial Planning and Consulting Services RISE offers clients a range of financial planning and consulting services, which may include any or all of the following functions:
• Cash Flow Forecasting • Insurance Needs Analysis
• Asset Allocation
• Retirement Plan Analysis
• Estate Planning
• Risk Management
• Investment Consulting • Retirement Income & Distribution
• Financial Institution Consulting Services While each of these services is available on a stand-alone basis, certain of them may also be rendered as part of a comprehensive client engagement (as described below). The Firm can be engaged for a process which includes financial planning and consulting. RISE typically will analyze, and review data and documents provided by clients, evaluate a client’s ability to meet objectives, provide observations, Page 5 identify problems and recommend strategies. A client will receive a summary which reflects their current financial circumstances, financial outlook, personal prerogatives and objectives in any one or all of the above-mentioned function areas. In performing these services, RISE 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. RISE may recommend the services of itself, its Supervised Persons in their individual capacities as insurance agents or registered representatives of a broker-dealer, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest may arise if RISE recommends its own services for implementation. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by RISE under a financial planning or consulting engagement or to engage the services of any such recommended professionals, including RISE itself. Clients are advised that it remains their responsibility to promptly notify the Firm if there is ever any change in their financial situation

or investment objectives for the purpose of reviewing, evaluating or revising RISE’s previous recommendations and/or services. Financial Institution Consulting Services RISE has entered into an agreement with Mutual Securities, Inc. (“Mutual Securities”), a registered broker-dealer, to provide non-discretionary investment consulting services to certain of Mutual Securities’ brokerage customers (“Brokerage Customers”) who provide written consent requesting to receive the firm’s consulting services. Brokerage Customers who elect this service provide written consent to Mutual Securities for RISE to provide consulting services, and will enter into a non-discretionary Investment Consulting Agreement with RISE. Under this agreement, RISE will provide Brokerage Customers with periodic reviews, analysis, and recommendations regarding their holdings with Mutual Securities. The Brokerage Customers are solely responsible for all decisions relating to the implementation of the advice provided by RISE. Investment Management Services RISE manages client investment portfolios primarily on a discretionary basis but may also manage portfolios on a non- discretionary basis. RISE principally allocates client assets among exchange-traded index funds (“ETFs”) and may allocate assets among mutual funds, individual equity and debt securities. Further, the Firm may allocate funds among the securities components of variable annuities and variable life insurance contracts in accordance with the investment objectives of its individual clients. In addition, RISE may also recommend that clients who qualify as accredited investors, as defined by Rule 501 of the Securities Act of 1933, invest in privately placed securities, which may include debt, equity and/or interests in pooled investment vehicles. Where appropriate, the Firm may also provide advice about any type of legacy position or other investment held in client portfolios. Clients may also engage RISE to 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 Page 6 qualified tuition plans (i.e., 529 plans). In these situations, RISE 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. RISE tailors its advisory services to meet the needs of its individual clients and continuously seeks to ensure that client portfolios are managed in a manner consistent with their specific investment profiles. RISE consults with clients on an initial and ongoing basis to determine their specific risk tolerance, time horizon, liquidity constraints and other factors relevant to the management of their portfolios. Clients are advised to promptly notify RISE if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if RISE 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. Variable Annuities As mentioned above, RISE may also recommend and provide ongoing advice on variable annuities. This service will be based upon an agreement in place between RISE and our client(s). When providing advice on variable annuities, our advice is limited to those investment options made available by the insurance company. Further, limitations on frequency of trading or rebalancing will vary according to each sub-account’s restrictions. We describe the fees charged below under