Arnie Advisors, LLC (hereinafter “Arnie Advisors”) is a Limited Liability Company organized pursuant to the laws of the State of California and is a wholly owned subsidiary of Arnie Inc., a corporation formed under the laws of the state of Delaware in 2020. Arnie Advisors, LLC provides investment advisory services to its ERISA plan clients as outlined below. Arnie Advisors, LLC is indirectly controlled by Izabel Arnold and Eliza Arnold, through their ownership of Arnie, Inc. Arnie Advisors, LLC is under common control with Arnie Technologies, LLC (hereinafter “Arnie Tech”) a Limited Liability Company that provides retirement recordkeeping technology to Arnie, Inc.’s clients. Arnie, Inc. and its wholly owned subsidiaries Arnie Advisors, LLC and Arnie Technologies, LLC together are referred to as “Arnie”. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. When a plan appoints Arnie as a plan fiduciary, we have a responsibility to act in the best interest of all beneficiaries of the plan. Types of Advisory Services Offered Retirement Plan Consulting: Arnie Advisors provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. Arnie Advisors’ advice to plans is in furtherance of certain ERISA provisions that define diversified investment and Qualified Default Investment Alternative (“QDIA”) requirements as well as managed individual portfolios for plan participants. All advice is delivered through Arnie’s proprietary software. A plan appoints Arnie Advisors to serve in an ERISA 3(38) fiduciary capacity and will generally also receive recordkeeping services from its affiliate Arnie Tech through its online platform. Arnie’s economic, investment, and other financial interests are not taken into consideration when making investment decisions. As the needs of the plan sponsor dictate, areas of advising may include:  Arnie will work with the Plan Sponsor to establish and make recommendations for a plan, and Arnie’s Participant Account opening process is designed to provide Participants an opportunity to make personalized selections from a variety of investment options and personal inputs. For the avoidance of doubt, a “Participant Account” is not a Client Account” as it is recognized by the custodian.  Under the Retirement Plan Investment Advisory Agreement, Arnie Advisors provides individual plan Participants with personalized advice. Arnie Advisors does not maintain a retail client agreement with plan participants. The engagement is solely under the client agreement that Arnie Advisors has with the plan and is only delivered through Arnie’s proprietary online platform. Participants are deemed to have consented to Arnie’s advisory services by continuing to contribute to the Plan, and they may opt out at any time. A ADV Part 2A – Firm Brochure Page 5 Arnie Advisors, LLC. Participant’s decision to opt out will take effect on a date as determined by the Plan’s administrative procedure, and generally is the next payroll check date.  Plan participant’s portfolios are managed on a discretionary basis.  Arnie provides

diversified investments representing a range of risk/return characteristics. 401k plan Participants will be assigned to a model based on the risk level determined from their inputs, but they have the option to choose a different model than the one assigned. Risk is determined by their age, time until retirement, estimated income needs during retirement, and availability of other assets. Portfolios can be adjusted based on the alignment of each portfolio asset to their personal preferences.  If a 401k plan Participant does not provide additional inputs through the software, they will be automatically invested into a portfolio based solely on information provided by the plan administrator.  Participant Education – Arnie will provide opportunities to educate plan participants about their retirement plan offerings, different investment options, and general guidance on allocation strategies. All retirement plan consulting services shall be in compliance with the applicable state laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and Arnie Advisors accepts appointment to provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(38) of ERISA as designated by the Retirement Plan Investment Advisory Agreement with respect to the provision of services described therein. Automated Investment Advice to Plan Participants: Using our proprietary software, Arnie recommends individualized portfolios to plan participants based on user inputs and preferences. The algorithm to generate advice is provided by Arnie Advisors and delivered to Plan Participants through Arnie’s online participant portal. Tailoring of Advisory Services General investment advice will be offered to our Retirement Plan Consulting clients. Arnie Advisors offers automated investment advice to 401k plan participants. Based on information gathered by the plan administrator or directly from Participants through the online platform, including Participants’ predicted income and spending from now and through retirement, their personal risk tolerance, and the risk profile of every asset, Arnie utilizes its proprietary software to recommend a diversified, custom portfolio. If a participant does not indicate their risk tolerance, indicate preferences, or provide other investment instructions, Arnie Advisors will by default invest their funds in a recommended portfolio based on the participant’s age and estimated time until retirement. Pursuant to section 404(c) of the Employee Retirement Income Security Act of 1974, as amended, Arnie Advisors provides a selection of diversified investments representing a range of risk/return characteristics. Participants are able to direct the investment of their 401k by modifying the inputs used to assign a model to them, or by choosing a different model. All portfolios are invested as a managed account, so Participants cannot choose trades directly. ADV Part 2A – Firm Brochure Page 6 Arnie Advisors, LLC. Participation in Wrap Fee Programs In a wrap fee investment program, the investor pays one stated fee to cover management fees, transaction costs, fund expenses, and other administrative fees. Arnie Advisors does not participate in any such wrap fee program. Regulatory Assets Under Management Our firm manages $496,300 on a discretionary basis as of December 31st, 2023.