Firm Description RLB Financial, LLC (“RLB”) was founded in 2009. Robert Baltzell is a 100% owner. RLB provides investment management and utilizes third party investment managers for individuals. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm’s managing member is affiliated with entities that sell insurance products. An evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement or risk analysis. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, tax preparers, insurance agents, etc.) are engaged directly by the client on an as-needed basis and may charge fees of their own. For example, tax preparation and to the extent your estate plan needs to be updated, the tax preparer and/or attorney will bill the client separately. Conflicts of interest will be disclosed to the client in the event they should occur. Types of Advisory Services INVESTMENT SUPERVISOR SERVICES RLB also offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. Investment Supervisory Services include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring RLB evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. When deemed appropriate for the Client, RLB may hire Sub-Advisors to manage all or a portion of the assets in the Client account. RLB has full discretion to hire and fire Sub- Advisors as they deem suitable. Sub-Advisors will maintain the models or investment strategies agreed upon between Sub-Advisor and RLB. Sub-Advisors execute trades on behalf of RLB in Client accounts. RLB will be responsible for the overall direct relationship with the Client. RLB retains the authority to terminate the Sub-Advisor relationship at RLB’s discretion. SEI Mutual Fund Models Program and SEI Funds RLB offers discretionary management services through a program sponsored by SEI Investments Management Corp (SIMC). SIMC has developed various model mutual fund asset allocation portfolios (the "Mutual Fund Models") designed to be invested in accordance with a stated investment objective or goal (the "Mutual Fund Models Program"). SIMC currently develops its Mutual Fund Models through two underlying programs, described in various SEI literature as either SEI's Institutional Mutual Fund models or SEI's

Goals Based Investing models and, may in the future, develop additional mutual fund model programs. Each Mutual Fund Model's underlying portfolio allocation is generally comprised exclusively of mutual funds in the SEI family of funds ("SEI Funds"), which are each advised by SIMC. Pursuant to the Mutual Fund Models Program, SEI will make available its various Mutual Fund Models to RLB who, in turn, may assist Investors in determining into which Mutual Fund Models to invest their assets. ASSETS UNDER ADVISEMENT RLB will work with individuals on determining their individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, and asset allocation are based on the above factors. The accounts will be monitored on a quarterly basis. RLB will provide recommendations to the client on a quarterly basis, but implementation will be at the sole discretion of the client. FINANCIAL PLANNING AND CONSULTING If financial planning services are applicable, a thorough review of all applicable topics including but not limited to, Wills, Estate Plans and Trusts, Investments, Taxes, Qualified Plans, Insurance, Retirement Income, Social Security, and College Planning will be reviewed. If a conflict of interest exists between the interests of RLB and the interests of the Client, the Client is under no obligation to act upon RLB’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through RLB. Financial plans will be completed and delivered inside of ninety (90) days contingent upon timely delivery of all required documentation. THIRD PARTY MONEY MANAGERS RLB utilizes the services of Third Party Money Managers to manage client accounts. In such circumstances, RLB shares in the fees charged by the Third Party Manager. This is detailed in Item 10 of this brochure. Included in the services for asset management or when using money managers, RLB may include the following at no additional charge: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and legacy planning. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Wrap Fee Programs RLB does not sponsor any wrap fee programs. Client Assets under Management RLB has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $105,130,106 $0 08/12/2023