Retirement Guys Formula LLC (“RGF”) has been in business since August 2013. The owner of RGF is Nolan Baker. He has been in the investment industry for over 20 years. Our firm offers services through our network of investment advisor representatives (“Advisor Representatives” or “IARs”). IARs may have their own legal business entities whose trade names and logos are used for marketing purposes and may appear on marketing materials or client statements. The Client should understand that the businesses are legal entities of the IAR and not of RGF. The IARs are under the supervision of RGF, and the advisory services of the IAR are provided through RGF. RGF has the arrangement described above with the following Advisor Representatives: Scott Osborn, Chaz Price & Nolan Baker - America’s Retirement Headquarters Mark Clair & Ryan Clair – Bull Moose Retirement Terrel Eisert - Eisert Wealth Management Shane Galino, Michael Sullivan & Rebekah Kiger - Retire Pittsburgh RGF provides personalized investment management and financial planning services. The firm provides financial and investment management services to individuals, trusts, foundations, endowments and corporations. Financial Planning and Consulting Services We offer broad based financial planning and consulting services, including tax planning, insurance planning, estate planning, disability planning, business planning, retirement planning, education planning, and budgeting and cash flow analysis. RGF strives to achieve a client’s long-term financial goals by implementing a financial planning process that may include any or all of the following steps:
• Assessment of a client’s present financial situation by collecting information regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans, employee benefit statements etc.
• Identification of a client’s financial and personal goals and objectives. Goals or objectives may include financing a child’s college education or retirement planning. The identified goals or objectives are specific, realistic, and measurable. All goals include time horizons.
• Resolution of finance related problems. Obstacles to achieving financial independence are identified so that resolution may occur. Examples of problem areas can include too little or too much insurance coverage, inadequate cash flow or a high tax burden.
• Plan Design. A financial plan is prepared that includes recommendations and solutions to several financial related problems.
• Implementation of the financial plan. The financial plan is finalized and agreed upon. The recommendations and solutions are executed to reach the desired goals and objectives.
• Evaluation of the financial plan is conducted periodically. The financial planning service provides the option of conducting a periodic review and revision of the plan to ensure that the financial goals are achieved. The client may be required to pay an additional fee to exercise this option. Financial plans are based on your financial situation and the financial information you provide to our firm. If your financial situation, goals, objectives, or needs change, you must notify us promptly. We also provide financial planning services that cover a specific area, such as retirement or estate planning. We offer consultative services where we set an appointment to meet with you for financial planning advice for an hourly fee. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our investment advisory services or by using the advisory/brokerage firm of your choice. If you request, RGF may recommend the services of other professionals for implementation purposes. You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendations from RGF. If you encage any professional recommended by RGF, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. Investment Management If you wish us to manage your investment accounts, we will ask you to provide us with some information about your investment goals, so that we can place your assets in investments we believe are most likely to assist you in meeting those goals. You may also place reasonable restrictions and guidelines on the management of your assets. RGF can assist you in developing these guidelines. Each client will have a written investment profile based on their objective and risk profile to guide both you and us in the management of your assets. Asset management services will generally be performed on a “discretionary” basis. When RGF is engaged to provide asset management services on a discretionary basis, we will monitor your accounts to ensure that they are still invested as would be needed to meet your goals. If any changes are needed to your investments, we will make the changes without receiving your approval for each change. These changes may involve selling a security or group of investments and buying others or keeping the proceeds in cash. You may at any time place restrictions on the types of investments we may use on your behalf, or on the allocations to each security type. You will receive written or electronic confirmations from your account custodian after any changes are made to your account. You will also receive statements from your account custodian. Clients engaging RGF on a discretionary basis will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an Investment Management Agreement that outlines the responsibilities

of both the client and RGF. Recommendation of Sub Advisers As part of our overall investment management strategy, we normally manage money internally for each client, but we may recommend sub advisers to manage all or a portion of your account. All sub advisers recommended by our firm must either be registered as investment advisers or exempt from registration requirements. Factors that we take into consideration when making our recommendations include, but are not limited to, the following: the sub adviser’s performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. In some cases, the sub adviser(s) will actively manage your portfolio and will assume discretionary investment authority over your account(s). The sub adviser(s) may also provide us with certain back- office support services such as report preparation, billing, and research. We will periodically monitor the sub adviser’s performance to ensure its management and investment style remains aligned with your investment goals and objectives. You may be required to sign an agreement directly with the sub adviser(s). You may terminate your advisory relationship with the sub adviser(s) according to the terms of your agreement with the sub adviser(s). You should review each sub adviser’s Form ADV Brochure for specific information on how you may terminate your advisory relationship with the sub adviser and how you may receive a refund, if applicable. You should contact the sub adviser directly for questions regarding your advisory agreement with the sub adviser. Selection of Third Party Investment Advisers RGF has entered into agreements with various third-party investment advisers (TPAs) for the provision of certain investment advisory services. Factors considered in the selection of a TPA include but may not be limited to: i) RGF’s preference for a particular TPA; ii) the client’s risk tolerance, goals and objectives, as well as investment experience; iii) the TPA’s management style; and, vi) the amount of client assets available for investment. In order to assist clients in the selection of a TPA, an investment adviser representative of RGF will typically gather information from the client about the client’s financial situation, investment objectives, and reasonable restrictions the client wants imposed on the management of the account. The TPA may customize the client's portfolio by blending traditional investment strategies with an allocation to asset classes. The investment strategy adopted by the TPA may embrace value, growth, or contrarian investing styles. Generally, securities transactions will be decided upon and executed by the TPA on a discretionary basis. This means that the manager selected will have the ability to buy and sell securities in your account without obtaining your approval. RGF and its investment adviser representative will not manage, or obtain discretionary authority over the assets in accounts participating in these accounts; however, clients may grant RGF the discretionary authority to hire and fire such TPA. Generally, clients may not impose restrictions on investing in certain securities or types of securities in accounts managed by a TPA. Investment adviser representatives of RGF will periodically review reports provided to the client. RGF will contact the client at least annually, or more often as agreed upon with each client, to review the client’s financial situation and objectives, communicate information to the TPA managing the account as necessary, and to assist the client in understanding and evaluating the services provided by the TPA. Clients will be expected to notify RGF of any changes in their financial situation, investment objectives, or account restrictions. The TPA may offer wrapped or non-wrapped pricing options. Wrap pricing structures allow the client to pay an all-inclusive fee for management, brokerage, clearance, custody, and administrative services. In a non-wrap pricing structure, the TPA’s fee may be separated from the advisory fee charged by RGF. Transaction costs may also be charged for the execution and clearance of advisory transactions directed by the TPA. A complete description of the programs and services provided, the amount of total fees, the payment structure, termination provisions and other aspects of each program are detailed and disclosed in: i) the TPA’s Form ADV Part 2A Brochure; ii) the program wrap brochure (if applicable); iii) the disclosure documents of the portfolio manager(s) selected; or, iv) the TPA’s account opening documents. A copy of all relevant disclosure documents of the TPA and of the individual portfolio manager(s) will be provided to anyone interested in these programs/managers. Appointment as a Sub-Advisor We provide sub-advisory services to clients of certain investment advisers (the “primary adviser”) that have signed an investment sub-advisory agreement with our firm. In these situations, the primary adviser will select one or more portfolio models/strategies developed by our firm and will invest its clients’ (the “end client”) assets in such models. The Primary adviser gives us discretionary authority to manage, invest and reinvest the assets held in these models. Where we have been engaged to provide advice with respect to only a part of any end client’s assets, it is expressly agreed that we assume no responsibility or obligation for the diversification of the end client’s investments. In addition, we will have no duty, responsibility or liability for assets that are not assigned to us for investment management services. Wrap Program RGF does not participate or sponsor a wrap program. Assets Under Management As of January 10, 2024, RGF managed $250,070,520 in client assets, all on a discretionary basis.