About Our Business Cambridge Retirement Partners (hereinafter, “we”, “our”, or the “Firm”) is a wealth management firm that provides investment management and comprehensive retirement plan advisory and consultation services. Cambridge Retirement Partners is the trade name for Cambridge Wealth Advisors LLC, a Georgia limited liability corporation that was founded in 2008. Raymond N. Cornelius and Robert A. Noble are the principal owners of the firm; both own equal interest. Raymond N. Cornelius is the Chief Compliance Officer. Mr. Cornelius and Mr. Noble are both Investment Adviser Representatives of the firm. Types of Advisory Business Our services encompass Investment Management and comprehensive Retirement Planning Services. We provide investment management services to Individuals, High Net-Worth Individuals, Corporations, Banking and Thrift Institutions, and Other Business Entities. We also provide planning and consultation services to Pension & Profit Sharing Plans (sponsors and participants), including but not limited to 403(b) and 401(k) plans. While we may provide advice regarding any matter relative to securing your financial goals, our services focus primarily on assisting you with retirement planning and preparation. Additional details regarding our advisory services are as follows: Investment Management Services Our investment management services encompass portfolio construction, establishing or revising your current asset allocations, and other investment management strategies to meet your investment goals and objectives. Our advice regarding securities includes Equities (Listed and Over-the-Counter), Mutual Funds, U.S. Government Securities, and Bonds. Retirement Planning & Consultation Services Cambridge Retirement Partners retirement planning and consultation services consist of assisting individuals and retirement plan participants in formulating and managing their retirement goals. In doing so, we may prepare comprehensive retirement plans; these plans may include information

regarding retirement readiness, income replacement options, or other financially related matters. We also provide advice regarding the investment options available through your retirement plan. We will consult with you regarding model portfolio options for your specific financial situation and proper asset allocations to meet your financial and retirement goals. Retirement Plan Advisory Services We serve as an ERISA fiduciary adviser to retirement plans (sponsors and participants). We advise retirement plan sponsors regarding investment strategy by conducting investment performance reviews and making recommendations to ensure conformance with the retirement plan’s investment policy statement. We also provide retirement plan management, ongoing monitoring, and third- party administrative services. These services may be combined or provided separately. The retirement plan sponsor may also request that we assist in organizing plan enrollment meetings and conduct investment education seminars for participants. In conjunction with educational services, we assist retirement plan participants (and beneficiaries) in understanding investment options offered by the plan as well as providing advice regarding selection and allocation of investment choices within the retirement plan. Tailored Services Our services are based on the individual needs of our clients after a thorough assessment of their goals, objectives, investment horizon, and risk tolerance. Clients may impose restrictions on investing in certain asset classes or any specific types of securities by advising their investment adviser representative of such restrictions. Wrap Fee Programs Cambridge Retirement Partners is not a sponsor of, or participant in, any Wrap Fee Program(s). Assets under Management Cambridge Retirement Partners manage $4,400,999 in assets on a discretionary basis and $166,676,031 on a non-discretionary basis. Our Assets under Management figure of $171,077,030 is based on calculations as of January 31, 2024.