Firm Description Prosperity Advisers, LLC (“Prosperity Advisers”) is a registered investment adviser based in Pennsylvania. Prosperity Advisers is organized as a limited liability company under the laws of the State of Florida. Daniel and Lisa Barram are co-owners. The firm became registered to provide investment advisory services in May 2016. Prosperity Advisers is a fee only financial planning and investment advisory firm. Prosperity Advisers does not sell annuities, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. However, Prosperity Advisers might recommend that an insurance policy be acquired. Such policies can be obtained through an insurance agent or through the Managing Member’s affiliated insurance agency, Retirement Prosperity Group. Investment advice is an integral part of financial planning. In addition, Prosperity Advisers advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning. Other professionals (e.g., lawyers, accountants, tax preparers, insurance agents, etc.) are engaged directly by the client on an as-needed basis and may charge fees of their own. Conflicts of interest will be disclosed to the client in the event they should occur. Types of Advisory Services Prosperity Advisers provides investment supervisory services, also known as asset management, ERISA plan services and financial planning services. ASSET MANAGEMENT Prosperity Advisers offers discretionary asset management services to advisory Clients. Prosperity Advisers will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The Client will authorize Prosperity Advisers discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. ALTERNATIVE INVESTMENT ASSET MANAGEMENT After a thorough discovery and needs analysis of a client’s financial situation, Prosperity Advisers may advise qualified clients on investing in a range of alternative investments. ANNUITY MANAGEMENT Prosperity Advisers offers discretionary direct asset management services to advisory Clients on their fee-only annuities. Prosperity Advisers will work with individuals to assemble an appropriate portfolio of investment options as provided through the insurance company that services annuity investments. ERISA PLAN SERVICES Prosperity Advisers provides service to qualified and non-qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit sharing plans, cash balance plans, and deferred compensation plans. Prosperity Advisers may act as a 3(21). Prosperity is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act (“ERISA”) and regulations under the Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to specific duties and obligations under ERISA and the Internal Revenue Code that include among other things, restrictions concerning certain forms of compensation. 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. Limited Scope ERISA 3(21) Fiduciary. Prosperity Advisers typically acts as a limited scope ERISA 3(21) fiduciary that can advise, help and assist plan sponsors with their investment decisions on a non-discretionary basis. As an investment advisor Prosperity Advisers has a fiduciary duty to act in the best interest of the client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using Prosperity Advisers can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services include:
• Provide non-discretionary investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment

policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options.
• Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS.
• Provide non-discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5) and 404(a)-5. 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands Prosperity Advisers’ assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, Prosperity Advisers is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. Prosperity Advisers will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees.
• Meet with Client on a periodic basis to discuss the reports and the investment recommendations. Prosperity Advisers may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Prosperity Advisers and Client. Prosperity Advisers has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in the calculation of Fees paid to Prosperity Advisers under this Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. FINANCIAL PLANNING AND CONSULTING If financial planning services are applicable, a thorough review of all applicable topics including but not limited to, Wills, Estate Plans and Trusts, Investments, Taxes, Qualified Plans, Insurance, Retirement Income, Social Security, and College Planning will be reviewed. If a conflict of interest exists between the interests of Prosperity Advisers and the interests of the Client, the Client is under no obligation to act upon Prosperity Advisers’ recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through Prosperity Advisers. Financial plans will be completed and delivered inside of thirty (30) days contingent upon timely delivery of all required documentation. SEMINARS AND WORKSHOPS Prosperity Advisers holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational in nature and no specific investment or tax advice is given. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Wrap Fee Programs Prosperity Advisers does not sponsor any wrap fee programs. Client Assets under Management As of March 8, 2024, Prosperity Advisers has reported $249,967,262 in discretionary client assets under management and $786,051 in non-discretionary assets under management.