Description of Moneta Moneta provides financial planning, tax planning, estate planning, risk management, retirement planning, business succession consulting, concierge services (e.g., bill pay and bookkeeping), and portfolio management services to high-net-worth families, individuals and institutional clients (defined contribution plans, defined benefit plans, endowments and other corporate funds). As of the date of this brochure, Moneta is comprised of twenty-six Partner- led teams, as well as a house Moneta Advisory Services Team supervised by the CEO and Board Chair, (collectively the “Teams”). Each of the Teams provides varied financial and investment advisory services to their clients. The services that Moneta provides to our institutional clients include plan consulting and design, participant education and enrollment, investment policy statement development assistance and investment menu selection. Moneta also provides both discretionary and non-discretionary advisory services to its retirement plan clients. Moneta was founded with the singular purpose of assisting clients in planning and managing all aspects of their financial affairs. Due to the demands of everyday life, most people (and many businesses) benefit from this kind of professional assistance. Moneta believes that when it comes to individuals, proper financial advice requires specific goals and objectives, and, in many cases, a comprehensive review of a client’s assets, potential income, applicable tax rates (including estate taxes), available retirement benefit programs, insurance contracts, wills and trust agreements and other related matters. The most comprehensive plan, however, is no more than an expensive academic exercise unless it leads to action. Moneta operates on the premise that our Teams should be actively involved in implementing recommendations. We take pride in providing superior quality and unwavering personal service while attempting to maximize our clients’ abilities to achieve their financial goals and objectives. The evolution of Moneta is a historical microcosm of the independent investment adviser industry as a whole. Moneta began as a handful of “sellers” of commissioned insurance products, operating under various iterations of First Financial Group. Early in the industry, the financial sector remained rife with conflicts of interest, offering financial professionals little economic incentive other than generating new transactions. Moneta’s vision was to escape the constraints created by those conflicts, reinventing Moneta’s service model and in doing so became a pioneering member of the independent investment adviser community focusing on individuals and families. Moneta was one of the first “full service” comprehensive financial planning and investment advisory firms in the St. Louis area. It is from these roots that the notion of the “Family CFO” sprang. In general, Moneta strives to provide the same breadth of services that a Chief Financial Officer (“CFO”) provides to any ongoing business concern; we have simply boiled down the CFO job to the individual client level. Today, Moneta has grown to become a leading provider of investment advisory services with approximately 501 employees and approximately $37.4 billion in regulatory assets under management as of December 31, 2023. Moneta also advises on assets that are not includable for SEC reporting purposes in its assets under management total, but which are subject to Moneta’s billing practices and for which Moneta provides investment advisory services. In this regard, as of December 31, 2023, Moneta advised on a total of approximately $42.1 billion in assets (“AUA”). Moneta is governed by its Board of Managers, which is headed by Chief Executive Officer and Board Chair Eric Kittner and supported by the following Executive Officers named in Moneta’s ADV Part 1: President and Chief Operating Officer, Keith Bowles; Chief Compliance Officer, Adam Kruger; Chief Platform Officer, Amanda Barrale; Chief Investment Officer, Andrew Kelsen; Chief Global Market Strategist, Aoifinn Devitt; and Chief Talent Officer, Bethany Wilkinson. This group, alongside other members of Moneta’s Enterprise Service Team, provides the leadership and structure that allows Moneta to focus exclusively on the many needs of its clients. Mr. Kittner, as Moneta’s CEO, is also ultimately responsible for supervising the Teams. Moneta is a wholly owned subsidiary of Moneta Group, LLC (“Moneta Group”). Moneta Group is wholly owned by the Moneta Partners and Professional Staff. As a result of our independence, and “open architecture”, we are agnostic to the type of investments selected for client portfolios. Our multi-criteria investment selection process (described in more detail in Item 8) forms the primary basis upon which our clients’ investment portfolios are constructed. P a g e | 6 Fiduciary Status Moneta is a federally registered investment adviser. As such, Moneta provides investment advisory/management services in a fiduciary capacity in accordance with, and subject to being deemed a fiduciary pursuant to, the Advisers Act, the Employee Retirement Income Security Act of 1974 (“ERISA”), and such other governing laws as may be applicable within any particular client relationship. Family CFO and Family Office Services Moneta provides services to high-net-worth families and individuals. These services can be best defined as giving continuous financial and investment advice, and related services, to individuals, spouses and families based on their particular needs. Specific client investment strategies are crafted to focus on the client’s specific goals and objectives. In this regard, Family CFO and Family Office services can include, but are not limited to, the following: Comprehensive Financial Management In general, services will begin with a comprehensive financial management plan tailored to each prospective Moneta client. The planning process is organic and involves a close review of existing financial positions of each prospective client and an investment plan for each client. However, each client’s situation is unique and, as a result, financial plans vary in length and scope and in certain instances are foregone in their entirety. Once the financial plan is mutually agreed upon by the applicable client and the client’s Team, the Team begins to implement the plan. On an ongoing basis an advisor will review and update portions of the financial plan, meet with the client and bring attention to any issues deemed worthy of closer review. In order to fully prepare a financial plan, the Team engages in a series of meetings with the prospective client. In these meetings, the Team reviews the client’s goals and investment objectives, and formulates a plan that addresses some or all of the following key issues: 1) Financial Management; 2) Financial Independence; 3) Money Management; 4) Income Tax Planning; 5) Investment Planning; 6) Risk Management; 7) Estate Planning; and 8) Business Succession Planning. Our Teams focus on the specific personal goals articulated by the client, including, for example, how to achieve and maintain financial independence, funding for children’s college education and/or providing adequate funds for dependents in the event of death or disability. Each prospective client is expected to provide complete information in all relevant areas. Careful consideration is given to subjective factors such as a client’s prior investment experience, ability and desire to manage their assets, risk tolerance and familiarity with various investment vehicles. The goal is to determine the optimum course of action necessary to realize the client’s short term and long-term objectives. The Teams will then develop and propose an investment plan that includes an asset allocation model specifically designed to meet the client’s goals. Moneta’s portfolio allocations typically include a mix of the following: taxable, municipal and government bonds; cash and cash equivalents (e.g., money markets and certificates of deposit); large cap, mid cap, small cap and international equities; and a variety of alternative investments. Investment-Only & Financial-Only Planning Moneta recommends its full financial planning services only to those clients whose needs and financial circumstances warrant such services. In other instances, for those clients who either do not need or desire comprehensive financial planning services, Moneta offers investment-only services. As part of this service, an advisor will analyze the client’s current investment portfolio and will, as necessary, make recommendations relative to the portfolio and its holdings. Those recommendations are based on the client’s stated investment goals, objectives and risk tolerance. Similarly, some clients benefit from only receiving financial planning services. As part of this service, a Team analyzes the client’s financial situation and prepares a financial plan for the client but does not provide specific investment recommendations or ongoing investment advisory/management services to the client. P a g e | 7 Investment Supervision and Monitoring Investment services are based on the recommendations of each individual Team. Teams then continuously monitor those investments that are subject to our management to ensure conformity with the client’s goals and objectives. These investment-related services are provided on a non-discretionary, discretionary or combined basis. Non-Discretionary Investment Management Moneta Teams can manage client assets on a non-discretionary basis and, as such, each client must approve each recommendation before a specific trade can be placed. Following the initial implementation, the Team reviews and monitors the portfolio for adherence to the agreed-upon asset allocation model. Recommendations will vary between, and within, Teams based on the client’s particular needs and goals. From time to time, the Team will recommend changes to the underlying investments to rebalance the portfolio, recommend removing investments that no longer meet the client’s goals and objectives, or to address other changes to the client’s financial situation, and/or to add or remove investments based on Moneta’s Investment Department’s recommendations. With respect to Family CFO clients, as of December 31, 2023, Moneta reported non-discretionary regulatory assets under management of approximately $8.9 billion. For this same period, Moneta’s non- discretionary

AUA with respect to Family CFO clients was approximately $12.8 billion. Discretionary Investment Management Moneta Teams can provide discretionary investment management services, where the client delegates full investment authority to Moneta to determine which securities are to be bought or sold in the client’s portfolio. Teams managing discretionary accounts have the authority to invest client assets in stocks, bonds, mutual funds and other investments as deemed appropriate for the individual client. Discretionary clients have the right to impose reasonable restrictions on Moneta’s authority to purchase certain investments for the portfolio. Changes to the portfolio investments are made based on, among other factors, changes in general market conditions, factors affecting the specific investments, or to rebalance the portfolio or incorporate changes in the client’s circumstances. However, because each client’s portfolio will generally contain a different mix of investments, and Teams have the ability to trade their clients’ holdings independent of one another, client orders for the same security will not always be submitted at one time, which can result in variances to prices received by clients buying or selling the same security. Moneta provides each discretionary client with periodic reports detailing all investments within the portfolio for the prior reporting period. With respect to Family CFO clients, as of December 31, 2023, Moneta reported discretionary regulatory assets under management of approximately $24.7 billion, which is also representative of Moneta’s AUA for the same period with respect to these clients. Professional and Developing Athlete Some Moneta Teams provide financial planning and career strategy advice that is tailored to the unique and complex financial situations of professional and developing athletes. This service includes educational coaching and planning around common challenges for athletes, which can include coordination of any legal entities to receive income, tax consultation when earning compensation across multiple states or countries, analysis of cash flows for name-image-likeness licensing and/or product royalties, and expense coordination of agents and licensing. This service is often paired with either the Comprehensive Financial Management or Investment Supervision services. Institutional Intelligent Portfolios Some Moneta client accounts are managed utilizing the Schwab Institutional Intelligent Portfolio platform. For additional information and disclosures on this, please see Item 21. Retirement/Pension Plan Services Moneta provides fiduciary management and investment advisory services, and non-fiduciary education and consulting services to a variety of retirement plans, pensions and profit-sharing clients, including, but not limited to, the following: 401(k), 403(b), 457(b) and 409(a) plans; defined benefit plans; balance forward plans; and profit- P a g e | 8 sharing plans. Moneta is engaged by plan fiduciaries to define the investment options available to the plan as a whole, the menu of options available to the individual plan participants, or to select plan investments. More specifically, Moneta provides the following services: Non-Discretionary Retirement Consulting Moneta offers non-discretionary investment advisory services to qualified retirement plans under Section 3(21) of ERISA, or to non-qualified retirement plans under a non-discretionary engagement. As a Section 3(21) investment advisor or non-discretionary advisor, Moneta’s typical service offering includes consulting with and advising the plan fiduciaries on the development of an Investment Policy Statement designed to reflect the investment objectives, policies, constraints and risk tolerance of the plan. Moneta is responsible for making investment recommendations to the plans regarding the fund options made available to plan participants. The plan fiduciaries are ultimately required to exercise their discretion to act upon the investment options recommended by Moneta. With respect to non-discretionary retirement plan clients, as of December 31, 2023, Moneta reported no regulatory assets under management relative to 3(21) plan clients, and $142 million for non-ERISA plan clients. For this same period, Moneta’s AUA for non- discretionary Retirement/Pension Plan Services client assets was $1.05 billion. Discretionary Retirement Management Moneta offers full discretionary investment management services to qualified retirement plan clients under Section 3(38) of ERISA. As a Section 3(38) ERISA investment manager, Moneta deploys a distinct and customizable Investment Policy Statement which is subsequently approved by the plan fiduciaries. As the discretionary investment manager, Moneta is solely responsible for determining the appropriate investment options available to plan participants and/or the plan, as applicable. Moneta works with the plan’s third- party administrator and qualified custodian to ensure the selected investment options are available within the plan. Moneta is responsible for the ongoing monitoring of investment options and implementing changes as necessary. Plan fiduciaries are given notice of changes to existing allocations and/or menu choices; Moneta implements those changes as promptly as practicable in coordination with the plan’s third-party administrator and plan custodian. Consent of the plan for investment option changes is not required. With respect to discretionary retirement plan clients, as of December 31, 2023, Moneta reported discretionary regulatory assets under management of approximately $3.4 billion, which is also representative of Moneta’s AUA for the same period with respect to these clients. Collective Investment/Retirement Advocate Funds Sub-Advisor Moneta acts as the sub-advisor for five (5) Retirement Advocate Funds (“RAFs”). The Matrix Trust Company is the Trustee and custodian of the RAFs and provides the general administration. Matrix Trust Company engages the advisory services of Moneta to provide asset allocation targets, fund recommendations, and occasionally, direction to rebalance outside of the quarterly regimen. Currently, the availability of the RAFs is limited to Moneta’s institutional 401(k) and retirement planning clients. Moneta uses a proprietary investment allocation methodology to manage the RAFs’ assets. The RAFs have five model strategies: Conservative, Moderately Conservative, Moderate, Moderately Aggressive and Aggressive. Each model strategy employs a unique portfolio allocation that is assessed against an appropriate performance benchmark chosen by the Investments Department. Plan participants select the model strategy best suited to their individual investment goals and objectives. Moneta does not receive fees for its sub-advisory services to the RAFs but does receive customary advisory fees from plans (or participants, as applicable) for its advisory/management services to the plan, but these fees are independent of any plan’s use of the RAFs. Non-Fiduciary Consulting Services Moneta provides plan participant enrollment, educational, and other consulting services. Enrollment education discusses the benefits of enrolling in the plan as a retirement savings vehicle and best practice strategies relating to saving. The educational presentations are designed to assist participants in evaluating their specific goals and objectives and how to select the investments best suited to help them attain those goals. This education also provides a review of various asset allocation models and how asset allocation affects investment results. P a g e | 9 Moneta’s consulting services on plan benefits include: project planning, facilitating benefit committee meetings, consulting on fiduciary duties, consulting on vendor management and fee benchmarking and consulting on industry trends. Institutional Investment Management Consulting Moneta provides both investment management and investment consulting services to large institutional clients, endowments, foundations and charitable organizations. Other Services In addition to the above-referenced advisory services, our Teams will from time to time provide the following non- advisory services to clients on a case-by-case basis as agreed upon by Moneta and the client: Insurance Review and Sales When engaged to do so, Moneta will review and, as appropriate, recommend changes or additions to a client’s health, life, disability, long-term care or other insurance coverage needs. Clients are free to follow or decline such recommendations. Death Claims Services Moneta can assist clients in processing death claims. Moneta provides services such as asset valuation and re-titling of assets distributed to the estate beneficiaries. Please see Item 5 herein regarding applicable fees. Bill Pay, Bookkeeping & Other Concierge Services For clients who desire bill payment, bookkeeping, or other concierge services, a Team can provide such services itself or through Moneta’s centralized resources. Fees for these services are established on a client-by-client basis and can be structured as hourly or flat fees. Securities Class Action Claims For clients that have a brokerage account that contains securities, there may be an opportunity to be party to legal action against the company that issues any security if they allegedly harmed their investors. Such legal filings (broadly, “Securities Class Actions”) can result in financial relief paid to the owners of the security who are party to the Securities Class Actions, if a court concludes that the issuing company did harm the investors. Moneta contracts with a third-party service provider to process Securities Class Actions claims on behalf of its clients that opt in for such service. Unless the Client completes the Moneta Class Action Claim Filing Election Form and opts in for this service, the Client will retain sole and absolute authority and responsibility for pursuit of any Securities Class Actions for any securities the Client owns. Moneta makes no guarantee of the success of any such Securities Class Actions against any issuer, nor a guarantee of any financial relief or compensation to any Client. The service typically does bear a contingent cost to the client, where a fee of roughly 18.5% is charged by the third party service provider only if proceeds from any issuer are successfully acquired for Client by that service provider. P a g e | 10