A. Description of the Advisory Firm Specialized Retirement Consultants LLC (hereinafter “SRC”) is a Limited Liability Company organized in the State of Michigan. The firm was formed in November 2021, and the principal owner is Tyler Jon Krzewina. B. Types of Advisory Services Portfolio Management Services SRC offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. SRC creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring SRC evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. SRC seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of SRC’s economic, investment or other financial interests. To meet its fiduciary obligations, SRC attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and, accordingly, SRC’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is SRC’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent that might have a limited supply, among its clients on a fair and equitable basis over time. Pension Consulting Services SRC offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: • identifying investment objectives and restrictions • providing guidance on various assets classes and investment

options • recommending money managers to manage plan assets in ways designed to achieve objectives
• monitoring performance of money managers and investment options and making recommendations for changes
• recommending other service providers, such as custodians, administrators and broker-dealers • creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Selection of Other Advisers SRC may direct clients to third-party investment advisers. Before selecting other advisers for clients, SRC will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where SRC is recommending the adviser to clients. Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; education planning; and debt/credit planning. Services Limited to Specific Types of Investments SRC generally limits its investment advice to mutual funds. SRC may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions SRC will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by SRC on behalf of the client. SRC may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may not impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees and transaction costs. SRC does not participate in wrap fee programs. E. Assets Under Management SRC has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 76,753 $ 153,506,159 December 2023