9AT: FIRST LIGHT RETIREMENT, LLC

FIRST LIGHT RETIREMENT, LLC

FIRST LIGHT RETIREMENT, LLC

Adviser Profile

As of Date	09/17/2026
Registration	SEC, Approved, 06/08/2021
ADV Location	DEL MAR, CA, United States
Contact Info	858 xxxxxxx
Websites

AUM^*	843,658,362 27%
of that, discretionary	0
Number of Employees	2
of those in investment advisory functions	2
Private Fund GAV^*	0
Avg Account Size	38,348,107 32%
SMA’s	No
Private Funds	0

Adviser Type

- Pension consultant

Client Types

- Pension and profit sharing plans

Advisory Activities

- Pension consulting services

Compensation Arrangments

- A percentage of assets under your management

Reported AUM

844M 723M 603M 482M 362M 241M 121M

2021 2022 2023 2024 2025 2026

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

A. Description of the Advisory Firm B. Types of Advisory Services C. Client Tailored Services and Client Imposed Restrictions account, or if the restrictions would require FLRL to deviate from its standard suite of services, FLRL reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. FLRL does not participate in any wrap fee programs. FLRL has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 0.00 $ 571,136,479.00 December 2022 Pension Consulting Services Fees Asset-Based Fees for Pension Consulting Total Assets Under Management Annual Fee All Assets 0.25% FLRL uses an average of the daily balance in the client's

account throughout the billing period, after taking into account deposits and withdrawals, for purposes of determining the market value of the assets upon which the advisory fee is based. These fees are generally negotiable and the final fee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty for a full refund of FLRL's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the pension consulting agreement immediately upon written notice. FLRL uses an average of the daily balance in the client’s account throughout the billing period, after taking into account deposits and withdrawals, for purposes of determining the market value of the assets upon which the advisory fee is based. D. Wrap Fee Programs E. Assets Under Management