OVERVIEW Flexible Plan Investments, Ltd. (“Flexible” or “FPI” or “Adviser” or “we” or “our”) was founded in Bloomfield Hills, Michigan in 1981 by Jerry C. Wagner, President and controlling owner. Combining expertise in investment analysis, system design, and software development, Mr. Wagner anticipated technological innovations that allow average investors to enjoy professional management advantages at one time available only to institutions and high net worth individuals. As of 12/31/23, Adviser had $1,420,533,938 of discretionary assets under management. Flexible is a TAMP, Turnkey Asset Management Program, that primarily provides managed accounts, that can be in the form of direct strategy management of investments in mutual funds, ETFs, and/or other securities; or by supplying signals to various strategies to effectuate the trading of such strategies by others. For purposes of the following discussion, unless otherwise specified, the term "Investment" includes mutual funds, exchange traded funds (“ETF”), exchange traded notes (“ETN”), stocks, annuities, insurance or other investment products having unit values determined on a daily basis at a minimum, or individual securities. These may include funds, sub-accounts or collective trusts of which Adviser is the adviser or sub-adviser. Adviser utilizes risk management investment methodologies known as "tactical asset allocation" and "dynamic asset allocation." In addition, index-matching trading signals are given to Advisors Preferred LLC as adviser of the sub-advised The Gold Bullion Strategy Fund, The Gold Bullion Strategy Portfolio Fund and Quantified Funds may also trade index futures, swaps and options within such funds. Adviser may also provide trading signals for use in model portfolios managed on platforms and TAMPS or at funds described in this brochure under Item 10. Client accounts are established in one or more Investment Families. An Investment Family means a mutual fund complex, insurance company, brokerage firm, or a trust company custodian that maintains a universe of Investments suitable for Adviser's management. Unless otherwise noted, account assets are invested by purchases and sales of money market, equity, and/or bond Investments based upon the advisability of their purchase or sale as supported by numerous indicators followed by Adviser. The term money market used in this brochure refers to a section of the financial market where financial instruments with high liquidity and short-term maturities are traded. The reference to money market in this brochure can include traditional money market products, short-term or ultra-short-term bond Investments, Axos-Money Market, FDIC cash accounts and other short-term investment products. Although money market funds seek to preserve the value of one’s investment, it is always possible with any investment to incur a loss. Use of any investment methodology is limited to those Investments approved by Adviser. Other restrictions may apply. INVESTMENT ADVISORY SERVICES No Financial Planning/Consulting Services. Adviser does not hold itself out as providing, nor do we provide, any financial planning, tax or related consulting services. Neither Adviser, nor any of our representatives, serves as an attorney, accountant, or insurance agent on behalf of Clients, and no portion of Adviser’s services should be construed as same. Types of Advisory Services. Adviser serves as an investment adviser to Clients under individual Investment Management Agreements. Adviser implements its investment advisory services principally through four (4) marketing channels; Strategic Solutions, variable annuity and variable universal life policies, self-directed brokerage accounts, and Group Retirement Plans. In addition, Adviser acts as a sub-adviser to other advisers, including a sub-adviser on mutual funds under the names of The Gold Bullion Strategy Fund, The Gold Bullion Strategy Portfolio Fund and the Quantified Funds (“Affiliated Funds” as described in this brochure under Item 10, Advisors Preferred LLC). Strategic Solutions. Strategic Solutions is our trade name for our risk-managed account business available at Axos Advisor Services (Axos”), Equity Advisor Solutions (“Equity”) and also on a tax-deferred basis utilizing a Monument Advisor Variable Annuity policy issued by Nationwide Advisory Solutions (the “Program”). Flexible’s Strategic Solutions Program is primarily offered pursuant to either a solicitor business model or a co-adviser business model (see Item 14). An individual becomes a client upon completion and Adviser’s acceptance of an Investment Management Agreement (“IMA”) with Flexible and custodial agreement with the independent custodian. The IMA outlines the terms and conditions of the relationship between Flexible and Client. Part 2A of Form ADV 2 #119-0324 Flexible has selected and engaged the Custodians for the Program. The current Custodians available for the Program are: Axos, 7103 South Revere Parkway, Centennial, CO 80112 and Equity, 1600 Stout Street, Suite 850, Denver, CO 80202, for the taxable Program, and Nationwide Advisory Solutions,

10350 Ormsby Park Place, Louisville, KY 40233 for the tax-deferred Program utilizing a Monument Advisor Variable Annuity policy. The Custodians have assumed responsibility for: (1) receipt and safekeeping of all cash received from Clients and for the cash and securities of Clients' investment accounts; (2) execution of all investment directions from Flexible; (3) maintenance of separate accounting records for each Client's investment account; (4) payment from each Client's investment account of the Establishment Fee, if applicable, and the Program Fees due to Flexible; (5) preparation of quarterly statements for each Client's investment account reflecting the record during the previous calendar quarter of: (a) all investment activity within the account; (b) all earnings or other distributions received on the Investments and all additions or withdrawals made by Client; (c) all fees or other expenses disbursed from the account to Flexible, the solicitor or to the Custodians; (d) the value of the account at the beginning and at the end of the quarter; and (6) mailing to each Program Client the quarterly statement described in (5). A copy of Flexible’s agreement with the Custodians is available upon written request. Flexible does not, directly or indirectly, have custody of Program Clients’ funds. At the inception of an IRA account, Client has a 7-day rescission period commencing upon Client’s receipt of IRS mandated disclosures by the Custodian. If revoked, Client is entitled to a full return of the contribution made to the IRA; however, the amount returned would reflect an adjustment for such items as sales commissions, administrative expenses, or fluctuation in market value. Revocation may only be made by mailing or delivering a written notice to Axos or Equity, respectively. All other Clients have the right to rescind their IMA, without cost, by notifying Flexible within five (5) days of the date of the IMA. Flexible retains the right, from time to time, to appoint, terminate and replace the Custodian for the non-variable annuity portion of the Program, Axos and Equity. In such case, Flexible may select a replacement Custodian that will provide at least the same level of services as were provided by the replaced Custodian at a cost commensurate to the level of service provided to Program Clients. This right regarding Custodian selection does not extend to replacement of Nationwide Advisory Solutions as custodian for the tax- deferred annuity segment of the Program. The tax-deferred Strategic Solutions Program must be established in conjunction with a Monument Advisor Variable Annuity policy issued by Nationwide Advisory Solutions. Flexible is not a party to the contract relating to the variable annuity; accordingly, Client controls matters relating to the retention and continuation of the Monument Advisor Variable Annuity. Adviser provides risk-managed account advisory services for variable annuities and variable universal life insurance policies on several platforms throughout the country. Self-Directed Participant Accounts. Adviser provides management of certain workplace retirement plan accounts at various brokerage platforms. Group Retirement Plans. Adviser provides plan core fiduciary services, model portfolios and management of participant retirement plan accounts custodied on various platforms. Advisory services generally. Adviser requires Clients to complete a suitability questionnaire as part of the Investment Management Agreement. This questionnaire establishes Client’s relative risk profile (conservative, moderate, balanced, growth or aggressive) and investment time horizon which guides the selection of strategies for Client’s account. Additionally, Client may impose reasonable restrictions on the management of Client’s account. In the event that a requested restriction is clearly inconsistent with Adviser’s stated investment strategy or Client’s stated investment objectives or is fundamentally inconsistent with the operation of Adviser’s program, Client will be advised in writing that Client’s requested restriction is deemed unreasonable and Client will be afforded opportunity to restate Client’s restriction. If Client is unable or unwilling to modify an unreasonable restriction, the Client’s Investment Management Agreement may be terminated. Adviser’s management process and style does not differ between various custodians other than the variety of the strategies available, the underlying product’s or platform’s fee structure, the securities available for investment and that different Investment platforms and Custodians may require minimum holding periods or limitations on the frequency of trading, which in turn can limit the trading frequency of a Strategy as applied to that Investment. As a result, strategies with a specifically described trading frequency may be traded at a different frequency in order to comply with these limitations on the Strategy Investments. These limitations may substantially change the investment experience of Clients with Investments on different Investment platforms or Custodians. Part 2A of Form ADV 3 #119-0324