A. Firm Information The following provides information about a variety of topics relating to SJHL Financial Services, LLC d/b/a SJHL Financial Group (hereinafter referred to as "SJHL” or the “Advisor”), its business practices and conflicts of interest. SJHL is an SEC registered investment adviser with its principal office and place of business in Kansas. SJHL was founded in October 2016, and is owned and operated by Kyle Hawk, Keith Janzen, and Chet Buchman. SJHL is affiliated with Swindoll, Janzen, Hawk & Loyd, LLC through common ownership. B. Advisory Services Offered SJHL offers financial planning and investment advisory services to individuals, pension and profit-sharing plans, trusts, estates, and small businesses (each referred to as a “Client”). Prior to engaging SJHL, each Client is required to enter into an investment advisory agreement with SJHL that defines the terms, conditions, authority, and responsibilities of SJHL and the Client. SJHL hereby acknowledges that it is a "fiduciary" when the firm’s services are subject to the provisions of ERISA of 1974, as amended. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some 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 yours. Investment Management Services SJHL provides customized investment advisory solutions for its clients through continuous personal client contact, interaction, and oversight while providing discretionary investment management, through its sub-advisor (described further below), Buckingham Strategic Partners, LLC (“BSP”). SJHL works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation to create a portfolio allocation. SJHL, in connection with the Client, will identify the Client’s investment goals and objectives, and, with BSP, will identify the broad strategy[ies] to be employed and develop a strategic asset allocation that is targeted to meet the identified investment objectives, time horizon, financial situation and tolerance for risk for each Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by SJHL. At times, SJHL will provide clients with financial planning recommendations as part of its investment management services. These services range in nature and scope depending upon the Client’s needs. When financial planning recommendations are provided, these are done so as part of the investment management services at no additional cost. SJHL, with BSP, will provide investment management and ongoing oversight of the Client’s account using a portfolio, consisting of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. Initial public offerings (IPOs) and non-traded REITS are not available through SJHL. Accounts are managed on a discretionary basis. SJHL will be responsible for selecting funds for the account, and their amounts. At no time will SJHL accept or maintain physical custody of a client’s funds or securities. The firm does have constructive custody due to the direct deduction of SJHL’s fees and due to the use of Standing Letters of Authorization for third-party money movement with the client’s custodian. Use of Sub-Adviser SJHL has contracted with Buckingham Strategic Partners, LLC (“BSP”), for services including trade processing, collection of management fees, record maintenance, report preparation, marketing assistance, and research. SJHL has also contracted with BSP as its sub-advisor to provide portfolio management to clients’ accounts. SJHL pays a fee for these BSP services based on management fees paid to SJHL on accounts that use BSP services. These fees will not be separately charged to advisory clients. The fee paid by SJHL to BSP varies based on the total amount of client assets administered and/or sub advised by BSP through SJHL, and as BSP acts as subadvisor for more client funds, the rate it charges to SJHL decreases; therefore, SJHL has a conflict in that it has an incentive to recommend more clients work with BSP, which is mitigated by the fact that recommendations that clients

work with BSP are only made when in the best interests of clients and the decision to work with BSP is ultimately the client’s. For investment management services, SJHL will request authority from the client to delegate discretion to trade in the client’s account, and to receive quarterly payments directly from the client's account held by an independent custodian. Clients may provide written limited authorization to SJHL or its sub-advisor, BSP, to withdraw fees from the account. Clients will receive custodial statements showing the advisory fees debited from their account(s). Certain third-party administrators will calculate and debit SJHL’s fee and remit such fee to SJHL. Retirement Plan Consulting Services We offer services to both plan sponsors and participants of retirement benefit plans. Plan Design and Provider Consulting. We may assist with various aspects of the plan design. We evaluate bundled or unbundled retirement plan service providers, including record keepers, third party administrators, trustees, custodians, investment companies and legal and accounting professionals. Investment Services. We offer assistance in creating and establishing a plan’s asset allocation and in evaluating and monitoring investment options. This may include reviewing appropriate investment options for the plan, asset classes and investment styles, evaluating and recommending investment managers, types, and selection of investment options. We may also conduct periodic reviews of the plan’s investments to evaluate performance, risk characteristics and expenses and recommend changes where appropriate. Employee Education Services. We provide services to help plan participants choose an appropriate deferral rate and investment selection by holding enrollment meetings and providing online or printed educational materials to encourage participation and help employees choose appropriate deferral rates and investment elections. We may also work directly with plan participants to help them evaluate their retirement savings goals and implement appropriate contribution amounts and investments available in the plan. To assist plan sponsors in fulfilling their ERISA fiduciary responsibilities, we may compare a plan’s services, investments, features, and fees against those of comparable plans in similar-sized organizations, provide educational resources to help plan sponsors understand and meet their fiduciary obligations and provide detailed listings and explanations of all fees paid by the plan and participants to service providers and identify appropriate opportunities for cost savings. All recommendations of investment options and portfolios are submitted to the client for ultimate approval or rejection. Therefore, it is always the client’s responsibility to make changes to the plan itself. In the event a client contracts with SJHL for one-on-one consulting services with plan participants, those services are consultative in nature and do not involve SJHL implementing recommendations in individual participant accounts. It is the responsibility of each participant to implement changes in the participant’s individual accounts. We can also meet with individual participants to discuss their specific investment risk tolerance, investment time frame and investment selections. Although we do not implement any transactions in a retirement plan or participant’s account; we can assist participants with adjusting the allocation percentage of their contributions for investment options available within their plan upon request. SJHL does not serve as administrator or trustee of the plan nor does SJHL act as custodian for any client account or have access to client funds or securities (with the exception of some accounts having written authorization from the client to deduct our fees and in connection with Standing Letters of Authorization on file with clients’ custodian). For retirement plan consulting services, the retirement plan or the plan participant who elects to implement any recommendations made by us is solely responsible for implementing all transactions. C. Termination of Agreements Although investment management contemplates an ongoing agreement, the length of service is at the client’s discretion. The Client or SJHL may terminate the agreement at any time by written notice to the other party upon advance written notice. D. Wrap Fee Programs SJHL does not manage or place Client assets into a wrap fee program. E. Assets Under Management As of December 31, 2023, SJHL managed $126,101,847 in assets on a discretionary basis.