A. LifePlan Investment Advisors, INC was founded by Kenneth A. Sutherland and is co-owned by Kenneth A. Sutherland and Alex P. Sutherland. Full details of the education and business background of Kenneth A. Sutherland and Alex P. Sutherland are provided in the Brochure Supplements at the end of this Disclosure Brochure. LifePlan Investment Advisors, INC filed its initial application to become registered as an investment adviser with the U.S. Securities Exchange Commission in September 2021, which was accepted on November 16, 2021. B. Advisory Services Offered: LifePlan Investment Advisors, INC provides retirement planning for a fee as well as asset based advisory services. We provide financial planning and investment advice to individuals, businesses, as well as qualified retirement plans through employers. This planning includes discussions and recommendations related to the coordination and placement of assets, insurance, tax, and estate issues including tax and estate preparation. A particular focus is on retirement planning and related issues such as investment allocation and diversification, income generation, taxation, risk management, and estate planning. A written agreement establishes the scope and terms of our services. This agreement must be signed by a client and an Investment Advisor Representative of LifePlan Investment Advisors, INC before we provide such services. Retirement Plan Rollover Recommendations: When LifePlan Investment Advisors, INC provides investment advice about your retirement plan account or individual retirement account (“IRA”) including whether to maintain investments and/or proceeds in the retirement plan account, roll over such investment/proceeds from the retirement plan account to a IRA or make a distribution from the retirement plan account, we acknowledge that LifePlan Investment Advisors, INC is a “fiduciary” within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”) as applicable, which are laws governing retirement accounts. The way LifePlan Investment Advisors, INC makes money creates 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 you. Under this special rule’s provisions, LifePlan Investment Advisor, INC must act as a fiduciary to a retirement plan account or IRA under ERISA/IRC:
• Meet a professional standard of care when making investment recommendations (e.g., give prudent advice);
• Never put the financial interests of LifePlan Investment Advisors, INC ahead of you when making recommendations (e.g., 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 the services we provide;
• Give Client basic information about conflicts of interest. To the extent we recommend you roll over your account from a current retirement plan account to an individual retirement account managed by LifePlan Investment Advisors, INC, please know that our firm and our investment adviser representatives have a conflict of interest. We earn investment advisory fees by recommending that you roll over your account at the retirement plan to an IRA managed by us, which we would not earn if you do not roll over the funds. Thus, our investment adviser representatives have an economic incentive to recommend a rollover of funds from a retirement plan to an IRA which is

a conflict of interest because our recommendation that you open an IRA account to be managed by our firm can be based on our economic incentive and not based exclusively on whether or not moving the IRA to our management program is in your overall best interest. We have taken steps to manage this conflict of interest. We have adopted an impartial conduct standard whereby our investment adviser representatives will (i) provide investment advice to a retirement plan participant regarding a rollover of funds from the retirement plan in accordance with the fiduciary status previously described, (ii) not recommend investments which result in LifePlan Investment Advisors, INC receiving unreasonable compensation related to the rollover of funds from the retirement plan to an IRA, and (iii) fully disclose compensation received by LifePlan Investment Advisors, INC and our supervised persons and any material conflicts of interest related to recommending the rollover of funds from the retirement plan to an IRA and refrain from making any materially misleading statements regarding such rollover. C. Advice is tailored to the needs of each client. Asset allocation and portfolio design focus on the achievement of client goals, income needs, and risk tolerances as determined by the analysis of a client’s personal and financial information. LifePlan Investment Advisors, INC advises clients in positioning assets based on the purpose those assets serve in their life. More conservative strategies are utilized for generating income in the near term with growth strategies focused on assets with longer time horizon goals. Our investment philosophy leans towards highly diversified portfolio models associated with institutional investment platforms and/or Exchange Traded Funds with strategic or passive management. Tactical managers may also be utilized to assist in mitigating risk. Based on the investment strategy selected, clients may impose restrictions on investing in certain securities or types of securities. These restrictions, if any, would be established in the investment policy statement. D. When a client implements their financial plan through LifePlan Investment Advisors, INC, if appropriate and desired, we may assist them in the selection of a Co-Advisor, Sub-Advisor, or Third-Party Managers. A client is not required to utilize a Co-Advisor, Sub-Advisor, or Third-Party Manager for investment services. We provide access to investment platforms such as, but not limited, to AE Wealth Management, LLC for these services. They provide access to institutional custodial and investor services, back office support, daily account monitoring, portfolio rebalancing, and manager due diligence oversight. LifePlan Investment Advisors, INC is compensated through fee sharing agreements based on assets under management (not commissions). Total advisory fees, inclusive of LifePlan Investment Advisors, INC and any Co-Advisor, Sub-Advisor, and Third-Party Manager fees, are disclosed prior to implementation in a written agreement. E. LifePlan Investment Advisors, INC advises clients on the establishment of a portfolio model with appropriate allocations and diversification for client circumstances. If authorized by our clients, through a written agreement we may obtain discretionary authority to place trades on their behalf and/or authorization to disburse funds to client’s address or financial account of record. As of 12/31/2023, we oversee $239,598,406 of client assets. Our regulatory assets under management totaled $183,998,415 all on a discretionary basis. We also have $55,599,991 in assets under advisement.