A. Description of the Advisory Firm Parker Financial LLC is a Limited Liability Company organized in the state of Washington. This firm has been in business since July 13, 2007, and the principal owner is Jason Randall Parker. Parker Financial LLC does business as: Sound Retirement Planning Sound Retirement Radio Parker Financial Insurance Services by Parker Financial, LLC B. Types of Advisory Services Parker Financial LLC (hereinafter “PF”) offers the following services to advisory clients: Investment Supervisory Services PF offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. PF creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan (the Investment Policy Statement) to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring PF evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. PF will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Educational Seminars & Newsletter Subscriptions PF may occasionally provide seminars in areas such as financial planning, retirement planning and estate planning. We may charge a fee for attendance ranging from $10- $50 per person. We may also offer workbooks for purchase prior to some seminars for a fee ranging from $19-$49. If we are offering workbooks, then attendees are required to purchase one workbook per household to attend the seminar. No other attendance fee will be charged in those instances. A spouse or guest may attend at no additional cost. Additional workbooks are $19-$24 each if the spouse or guest would like one. Workbook fees are nonrefundable. Any fees will be published on the seminar announcement or invitation and will be due in advance of the seminar. Payment can be made by check or credit card. PF may also provide pro-bono seminars at its own discretion. Seminars are offered to organizations and the public on a variety of financial topics. Seminars are always offered on an impersonal basis and do not focus on the individual needs of participants. PF provides subscriptions to e-newsletters to the public free of charge. Selection of Other Advisers PF may direct clients to third-party money managers; Envestnet or Freedom Advisor. PF will be compensated via a fee share from these advisers to which it directs those clients. This relationship will be disclosed in each contract between PF and Envestnet or Freedom Advisor. The fees shared will not exceed any limit imposed by any regulatory agency. Before selecting other advisers for clients, PF will always ensure those other advisers are properly licensed or registered as an investment adviser. Clients entering into an Investment Advisory Agreement with us using Envestnet are consenting to use Envestnet Asset Management (“Envestnet”) as a third-party money/platform manager and Fidelity Investment Services as their Custodian/Broker. Envestnet is a technology provider and SEC Registered Investment Adviser who assists us in portfolio construction, management, practice management and performance reporting for our clients. PF may utilize and/or recommend Third Party Money Managers or Sub-Advisers for a portion or all of their client’s assets if suitable and applicable. PF may also recommend that certain clients authorize the active discretionary management of a portion of their assets by independent money managers. PF has entered into a sub- advisory relationship with Envestnet. Envestnet gives us access to specialized tactical & strategic portfolios that primarily utilize diversified baskets of exchange traded funds and mutual funds (portfolios can also include individual equity securities at the discretion of the portfolio manager). Under the sub-advisory arrangement, PF will remain responsible for determining the client’s investment objectives and whether one or more of Envestnet’s tactical or strategic programs are suitable to meet such investment objectives. Envestnet is responsible for the discretionary management of the assets which the primary adviser has instructed be invested in one or more of the firm’s tactical or strategic programs. Each tactical or strategic program is designed to achieve particular investment goals. Accordingly, the tactical or strategic programs are not tailored to accommodate the needs or objectives of specific clients, but rather, are designed to enable the primary adviser to match clients with a tactical or strategic programs that are consistent with their investment goals and objectives. Due to the nature of the tactical or strategic programs, PF will not be able to impose restrictions on Envestnet’s management of the tactical or strategic strategies. However, because Envestnet also offers customized tactical or strategic programs as an investment option, PF may request that Envestnet develop a customized tactical or strategic portfolio that takes into account certain reasonable restrictions. A restriction request, however, may not be honored if it is fundamentally inconsistent with Envestnet’s investment philosophy. It is in Envestnet’s sole and absolute discretion whether or not to accept such restrictions. Fees: Fee schedules vary and are published within their own contracts (Statement of Investment Selection) and disclosure documents (Private Wealth Management Program and Conditions),

including their respective Form ADV, Part 2. Fees are calculated on a quarterly basis and are payable quarterly in advance. With written notice clients may terminate these contracts at any time Solicitor Relationships When acting as a solicitor for Freedom Advisor Management, clients typically receive deeply diversified asset allocations comprising over twenty different asset classes and equity styles, all of which are consolidated onto a single platform in a single account with aggregated online reporting. Investors in the wrap fee program benefit from the institutional style money management within a customized asset allocation. Investors also benefit from the direct ownership of securities. Through our collaboration with the client, the combination of portfolios is completely customizable, though Freedom Advisor provides recommended allocations based on the client's individual needs, goals and risk tolerance. Clients entering into an Investment Advisory Agreement with us using Freedom Advisor are consenting to use Freedom Advisor Management as a third-party money/platform manager and Goldman Sachs as their Custodian/Broker. Freedom Advisor is a technology provider and SEC Registered Investment Adviser who assists us in portfolio construction, management, practice management and performance reporting for our clients. PF may utilize and/or recommend Third Party Money Managers or Sub-Advisers for a portion or all of their client’s assets if suitable and applicable. PF may also recommend that certain clients authorize the active discretionary management of a portion of their assets by independent money managers. PF acts as a solicitor for Freedom Advisor. Freedom Advisor gives us access to specialized tactical & strategic portfolios that primarily utilize diversified baskets of exchange traded funds and index mutual funds (portfolios can also include individual equity securities at the discretion of the portfolio manager). Under the sub-advisory arrangement, PF will remain responsible for determining the client’s investment objectives and whether one or more of Freedom Advisor’s tactical or strategic programs are suitable to meet such investment objectives. Freedom Advisor is responsible for the discretionary management of the assets which the primary adviser has instructed be invested in one or more of the firm’s tactical or strategic programs. Each tactical or strategic program is designed to achieve particular investment goals. Accordingly, the tactical or strategic programs are not tailored to accommodate the needs or objectives of specific clients, but rather, are designed to enable the primary adviser to match clients with a tactical or strategic program that is consistent with their investment goals and objectives. Due to the nature of the tactical or strategic programs, PF will not be able to impose restrictions on Freedom Advisor’s management of the tactical or strategic strategies. However, because Freedom Advisor also offers customized tactical or strategic programs as an investment option, PF may request that Freedom Advisor develop a customized tactical or strategic portfolio that takes into account certain reasonable restrictions. A restriction request, however, may not be honored if it is fundamentally inconsistent with Freedom Advisor’s investment philosophy. It is in Freedom Advisor’s sole and absolute discretion whether or not to accept such restrictions. Fees: Fee schedules vary and are published within their own contracts and disclosure documents, including their respective Form ADV, Part 2. Fees are calculated on a monthly basis and are payable monthly in arrears. With written notice clients may terminate these contracts at any time. Financial Planning & Investment Consulting Financial planning includes tax planning, insurance planning, retirement planning and estate planning. Financial planning services may include consultations and/or written plans, which analyze a client's financial situation and make appropriate recommendations for strategies and methods of implementation of the strategies. Investment Consulting may include portfolio review and non-discretionary investment consulting services. Both these services are based on fixed fees and the final fee structure is documented in the Financial Planning & Investment Consulting Agreement. Services Limited to Specific Types of Investments PF limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, debt securities, ETFs, real estate, hedge funds, third party money managers, REITs, insurance products including annuities, private placements, and government securities. PF may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions PF offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent PF from properly servicing the client account, or if the restrictions would require PF to deviate from its standard suite of services, PF reserves the right to end the relationship. D. Wrap Fee Programs PF does not participate in any wrap fee programs. E. Amounts Under Management PF has the following assets under management: Discretionary Amounts: $174,674,474 Non-discretionary Amounts: $0.00 Date Calculated: 12/31/2023