A. OWNERSHIP/ADVISORY HISTORY R&R Financial Planners, Inc. (“The Adviser”, “We” or “R&R”) began its investment advisory business in June 1986 as a state registered investment advisor. In 2023, the Adviser become registered with the Securities and Exchange Commission (“SEC”). We operate from offices located at 1802 Hempstead Turnpike in East Meadow New York, 11554 and Atlantic Pavilion Offices, 245 N. Ocean Blvd. Suite #302, Deerfield Beach, FL 33441. The Advisor employees two individuals, two of whom serve as investment adviser representatives. The Principal Officer and Owner of the Advisor is: William V. Romeo, CFP® President, Chief Executive Officer (“CEO”) Effective March 2024, Ms. Nancy Praino was designated as the Firm’s Chief Compliance Officer. Ms. Praino also serves as Chief Compliance Officer of the Firm’s affiliate broker-dealer, RNR Securities. Ms. Praino is a financial industry veteran with over 25 years of experience including Associate Compliance Director at Northeast Securities, Inc., and their investment adviser affiliate Northeast Asset Management. The Adviser is affiliated with a registered broker-dealer, RNR Securities, LLC (“RNR Securities”). Mr. William V. Romeo is the CEO and President of both the Adviser and RNR Securities. RNR Securities and the Adviser share office space in New York and Florida. R&R Financial Planners, Inc. offers investment advisory services by either managing client assets or as part of its participation in third party management programs working with clients to find independent advisors to manage the client’s assets. We utilize two platforms so that we can meet the varied needs of our clients. Fees charged for these services are based on assets under management (“AUM”) and are negotiable. The fees are charged daily, monthly or quarterly in arrears, based on signed advisory agreements (the “Agreement”). A client may terminate their program without penalty within five (5) business days of signing the Agreement. Either party may terminate the Agreement by providing written notice to the other party specifying the date of termination. The client will incur fees only for the time that their assets are managed. Additional information about investment advisor representatives can be found in Part 2B – Supplemental Brochure that accompanies this brochure. B. ADVISORY SERVICES OFFERED R & R Financial Planners, Inc. Page 6 ADV Part 2A 03/29/2024 The Firm offers two (2) types of managed account platforms: 1) SEI Management Program The Advisor offers the SEI Asset Management Program (“The Program”) to individual clients. SEI Private Trust Company (“SEI Trust”), a wholly owned subsidiary of SEI Investments, provides custodial and recordkeeping services to Program participants. The Program offers securities and mutual fund management on a discretionary basis, automatic rebalancing and performance reporting for each client account. Client accounts are invested exclusively in various SEI portfolios, which may also include a fund of funds structure. The Advisor conducts a thorough interview to establish the financial goals and investment objectives of the client. Recommendations are made based on the client’s stated financial condition, risk tolerance, goals and investment objectives. The Advisor obtains a New Account Form from each client documenting their age, address, occupation, dependents, annual income, net worth, tax bracket, investment objectives and prior investment experience, in addition to all other details outlined on the Fact Find and new Account Form. Upon completion of the interview, the Adviser assists the client in choosing one of available securities and mutual fund asset allocation models. As an alternative to an asset allocation model, the client may choose to purchase individual securities and mutual funds. If the client chooses automatic rebalancing to model allocation and recommended model allocation changes will be available. The investment managers of the underlying mutual funds are selected by SEI Investment Management Corporation, a subsidiary of SEI Investments. SEI utilizes institutional investment management firms. The portfolio managers are monitored by SEI to ensure that their investment styles and performance remain consistent with the objectives of the securities portfolio and mutual fund holdings. Disclosure documents are provided by SEI of each mutual fund purchased, in addition to the disclosure document provided by the Firm. Rebalancing maintains the proper allocation to each asset class within the model. Rebalancing occurs automatically when the account holdings deviate from the prescribed quarterly allocation by greater than 2%. For tax-managed models, the variance is 3%. Rebalancing occurs monthly with no transaction fee. Clients should be aware that redemptions and exchanges between funds may have tax consequences which should be discussed with their independent tax advisor. SEI Management Program Fees and Account Reporting Program participants are assessed advisory fees that are negotiable and range from 0.01% - 1.5% annually, charged quarterly, in arrears, as further detailed on the following schedule: Account Value SEI Fee R&R Fee Total Client Fee R & R Financial Planners, Inc. Page 7 ADV Part 2A 03/29/2024 Under $1million 0.01% - 1.5% 1.00% 1.01% to 2.5% $1 million - $3 million 0.01% - 1.5% 0.80% 1.01% to 2.3% Over $3 million 0.01% - 1.5% 0.60% 1.01% to 2.1% Client accounts, that are fully funded for the entire quarter, may be linked to reduce the total fee assessed based on the above-referenced schedule. Advisory fees are assessed and invoiced by SEI and deducted from clients’

accounts, in arrears, and paid to R&R Financial Planners, Inc. quarterly. However, accounts funded after the 20th day of the previous month in a quarter will not be charged fees until the end of the following quarter. The initial fee will include the entire quarter plus the days the account was open after the 20th of the last month of the previous quarter. Each Client will receive quarterly statements from SEI Trust reflecting the account activity, holdings and all fees charged from the previous quarter as fee processing occurs two weeks following the end of the quarter. A quarterly report reflecting market value, cash flows, gains and losses, asset allocation and performance as it relates to market indices is also available should the investor elect its receipt. On an annual basis, the investor will also be provided with a tax report. 2) Interactive Brokers, LLC Program Interactive Brokers, LLC (“IB”) is a NYSE/FINRA/SIPC member firm and the full-service broker dealer through which R&R Financial Planners, Inc. transacts all of its portfolio management trading. R&R Financial Planners, Inc. maintains a Master Group Account within Interactive Brokers, LLC which oversees and has full discretion over all individual client accounts. R&R’s investment adviser representatives offer portfolio management for individual client accounts, based on their suitability profile and includes the buying and selling of a wide variety of investments, including but not limited to the following: Individual common and preferred stocks Convertible preferred stocks and bonds U.S. Government. Government Agency, Corporate and Municipal bonds Sovereign bonds, foreign securities and ADRs Listed options, including both naked & covered calls and puts No-load mutual funds and Exchange Traded Funds R & R Financial Planners, Inc. Page 8 ADV Part 2A 03/29/2024 Interactive Brokers, LLC Program Fees and Account Reporting The Advisor conducts a thorough interview to establish an understanding of each client’s trading history, risk tolerance, financial goals and investment objectives. The investment advisor representative or portfolio manager may use the Morningstar Advisor Workstation to build and rebalance ETF or Mutual Fund models that match the client’s risk tolerance, time horizon, income needs etc. As per the agreement signed by all clients during the opening of an IB account, clients attest that all applicable fees will be deducted, in arrears, from their accounts on a daily or monthly basis by Interactive Brokers LLC. Clients will incur fees only for the time their assets are managed. Break point reductions or increases will be adjusted after required balances are maintained for thirty (30) consecutive days. Changes cannot take effect until written request is received and approved by Interactive Brokers, LLC. All fees are negotiated and agreed upon prior to investment. In some instances, for select clients who have indicated a high risk tolerance, increased knowledge and investment experience are included in the Fact Find questionnaire. The investment adviser representative may purchase small cap highly speculative investments. In some instances, the investment adviser representative may recommend using RNR Securities (an affiliated broker- dealer) to purchase investments, insurance products or variable products. If securities or insurance products offered by Interactive Brokers or RNR Securities are purchased through a registered representative who is associated with the Advisor, standard commission rate commissions would apply. For more information about conflicts of interest can be found under section 10 of this brochure. Clients will receive quarterly statements directly from Interactive Broker via US Mail or electronically. In addition, clients have access to daily and monthly statements through Interactive Broker’s website. C. TAILORED STRATEGIES AND SERVICES R&R offers discretionary investment advice to clients, but clients may impose reasonable restrictions on the management of their accounts i.e., to avoid or include certain asset classes, individual companies or industries. Client restrictions are clearly outlined in the investment advisory agreement with the Firm. R&R provides financial planning services that are tailored to the individual needs of each client based on client meetings which include a review of the client’s financial condition including debts suitability profile and investment objectives among other areas of review. D. WRAP PROGRAM The Adviser does not sponsor a wrap program. However, the Adviser may offer or recommend a R & R Financial Planners, Inc. Page 9 ADV Part 2A 03/29/2024 program through a Third Party Money Manager. SEI Wrap Program offers Managed Account Solutions has third party money managers for specific investment model strategies which are comprised of SEI funds. In such cases, the Adviser will not directly manage the account, but will share in a portion of the program fee. The client will receive a copy of the Third Party Money Manager’s Form ADV Part 2A with Appendix 1, which will contain detailed information about the program and fees charged. Interactive Brokers provides a third party management program for select investment advisor representatives and portfolio managers to participate in. The Adviser urges all Third Party Management program clients to read the brochure and ask questions about any aspects of the program that they do not understand. In addition to receiving brochures and detailed information from SEI or IB, the Firm will also provide clients with a full set of disclosures. E. CLIENT ASSETS MANAGED As of 12/31/2023, the client assets held at Interactive Brokers and SEI is approximately $38,905.000 which are managed on a discretionary basis.