ERISA Advisers, Inc. is a registered investment adviser domiciled in the State of Tennessee. We are a subsidiary of ERISA Corporation, a holding company that is not under the control or affiliation with another financial services industry entity. In addition to our 2014 registration as an investment adviser in the State of Tennessee, our firm and its associates may register, become licensed or meet certain exemptions to registration and/or licensing in other jurisdictions in which we conduct investment advisory business. Mr. Richard Phillips is the firm’s President, Chief Compliance Officer (supervisor) and shareholder of the parent company, ERISA Corporation. Additional information about Mr. Phillips and his background may be found toward the end of this brochure. ERISA Corporation is the majority shareholder of ERISA Advisers, Inc. The firm provides fee-only investment services that may be general in nature or focused on particular areas of interest or need. We do not offer financial planning services, nor does the firm serve as sponsor or portfolio manager for a wrap fee investment program. As of our fiscal year-end on December 31, 2023, our firm had approximately $145.557 million1 of reportable client assets under management on a discretionary basis, and $0.0 million on a nondiscretionary basis (defined in Item 16). Introductory Review A complimentary review is conducted by a qualified representative of the firm to determine the scope of services to be provided. During or prior to this meeting the client will be provided with our current Form ADV Part 2A firm brochure that includes a statement involving our privacy policy, as well as a brochure supplement about the investment advisory representative assisting that client. If the client wishes to engage ERISA Advisers, Inc. for its services, a written agreement must be executed and further discussion and analysis conducted thereafter to ascertain financial goals, holdings, etc., as provided by the client. Advice and portfolio planning is based upon the information disclosed by the client or their legal agent and incorporate the client's situation at the time the plan is presented. In performing its services, the firm may, but is not required to, verify any information received from the client or from the client's agents. The firm does not provide advice on property and casualty insurance, accounting or legal matters. With the client's consent, the firm may work with the client's other advisers (accountants, attorneys, etc.) to assist with coordination and implementation of accepted strategies. The client should be aware that their other advisers may bill them separately for their services, and these fees will be in addition to those of the firm. Investment Services The firm generally employs Modern

Portfolio Theory at an aggregate account level as part of its investment strategy which is described in further detail in Item 8 of this brochure. Existing positions within a client account containing various holdings will be evaluated and maintained when deemed appropriate. When required under the engagement agreement, the firm will provide regular and continuous monitoring of the client’s account, which may include rebalancing portfolios to maintain an optimal allocation while minimizing tax exposures and transactional costs. Where practical, the firm will assist the client in preparing an investment policy statement (IPS) reflecting the client's investment objectives, time horizon, investment policy constraints and risk tolerance. The IPS will be designed to be specific enough to provide guidance to the firm while concurrently allowing flexibility to respond to changing market conditions. Since the IPS will to a large extent be a product of information and data provided by the client, the client shall be responsible for review and final approval of the statement. The firm will also account for any reasonable restrictions the client may require involving the management of their investment account(s). It is important to note that it remains the client’s responsibility to promptly notify us if there is any change in their financial situation and/or investment objectives for the purpose of our reviewing, evaluating or revising previous account restrictions or firm investment recommendations. 1The term “assets under management” and rounding per SEC’s General Instructions for Part 2 of Form ADV. Page 5 of 18 Firm Services The firm will use its best judgment and good faith effort in rendering its services to its clients. ERISA Advisers, Inc. cannot warrant or guarantee any particular level of account performance, or that an account will be profitable over time. Past performance is not necessarily indicative of future results. Except as may otherwise be provided by law, our firm will not be liable to the client, heirs, or assignees for any loss an account may suffer by reason of an investment decision made or other action taken or omitted in good faith by our firm with that degree of care, skill, prudence and diligence under the circumstances that a prudent person acting in a fiduciary capacity would use; any loss arising from our adherence to the client’s direction or that of their legal agent; any act or failure to act by a service provider maintaining an account. Federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith and, therefore, nothing contained in this document or our client engagement agreement shall constitute a waiver of any rights that a client may have under federal and state securities laws.