Firm Description Retirement Investment Advisors, Inc. (RIA) was founded in 1991 to help people achieve financial stability for life. We strive to provide our clients with greater confidence and financial independence by helping them make smart, well-informed decisions about their investments and retirement plans. We are fiduciaries on all client accounts all the time. Under the Investment Advisers Act of 1940, as amended, an adviser’s fiduciary duty is comprised of both a duty of care and a duty of loyalty and applies to the entire relationship between the investment adviser and the client. As a fee-only financial planning and investment management firm, we provide advice and are not in the business of selling investment products such as annuities, insurance, stocks, bonds, mutual funds, exchange-traded funds, limited partnerships, or other commissionable investments. We do not accept sales commissions from products in any form, nor do we accept finder’s fees. When we provide advice and recommendations to you, we always respect your decision on the investment selection, regardless of whether we have discretion on your account or not. We provide personalized financial planning and investment management services as described in the “Types of Advisory Services” section. We consult with our clients to identify financial problems, help determine financial objectives and to provide them with investment advice. In addition, we provide advice on other matters such as cash flow management, tax planning, insurance analysis, education funding, retirement planning and estate planning. One of our financial advisors will meet with you in order to help determine appropriate investment recommendations for you. You will enter into an agreement with our firm setting forth terms and conditions of the advisory services relationship, including fees to be charged and authorization for us to purchase investments consistent with your objectives. We will also provide a written comparison of your current investments when provided, typically in the form of a personalized Investment Policy Statement (IPS). We conduct periodic reviews with you as a reminder of specific courses of action that you should take with your investments. If appropriate we will conduct internal reviews more frequently regarding accounts and investments and will communicate with you when we believe immediate changes are merited. Our analysis, which we will present at your IPS meeting, includes a variety of factors such as determining a risk tolerance profile and portfolio categorization by asset type. We also consider historical class performance and standard deviation, asset allocation modeling as well as the historic financial numbers of a client, income and expenses projections, net worth, and retirement projections by a client. On an as-needed basis, we will consult with your other professionals, including attorneys, accountants, and insurance agents. We endeavor at all times to uphold our fiduciary duty to put the interests of our advisory clients first. However, as a registered investment advisory firm, the receipt of fees by our firm and our advisors in and of itself creates a potential conflict of interest with our clients. In the unlikely event any other conflicts of interests arise, we will disclose them to you. OUR APPROACH We generally meet with prospective clients three times before they sign on as a client. We believe that choosing a financial advisor is an important decision and that it should not be taken lightly. FIRST MEETING - INITIAL CONSULTATION The initial consultation is complimentary, and it can be in-person, or in the mode of communication best suited for you. This is a low keyed, get to know each other meeting. We will ask you about your goals, expectations and how we can help you. We will ask for financial data, including current investment account statements. If it makes sense for us to meet a second time, we will share this and why. If our services don't make sense for you at this time, we will provide suggestions, as may be appropriate for your situation. SECOND MEETING – THE INVESTMENT POLICY STATEMENT The Investment Policy Statement (IPS) meeting is also complimentary. In this meeting we will review items of importance to you and go over, and clarify, your financial goals. Your current investments will be analyzed and an investment solution for your financial goals will be given in an IPS. This statement clarifies what the solution does, and the risks involved. The meeting can also include other financial planning topics. Many people take this solution home and read through it before moving forward. THIRD MEETING – SIGNING Our third meeting with potential clients involves addressing and answering any additional questions or planning items that need to be discussed. There are often items from previous meetings that need to be reviewed, discussed, and clarified to ensure that both parties are clear of expectations and that this relationship is a good fit for all involved. This meeting is also designated as the time to complete all the necessary paperwork and documentation to move forward with officially entering into an agreement for the services to be provided by the firm. ADVISORY PROCESS When the decision is made to proceed, our financial professionals will recommend proposed strategies, not products, address financial concerns and indicate our recommendations for your financial management. Throughout our relationship, we will keep you informed on various matters affecting your financial management and provide as much education on the financial management process as you desire. COMMUNICATION Following the implementation of your financial plan, you will receive various documents in the mail or via secure e-mail. You are encouraged to call us any time you receive something you don't understand or if you have questions. You should contact us if a major financial event occurs in your life so we can adjust your financial plan as necessary. Events such as a retirement, death of a loved one, change in marital status, birth of a child or grandchild, sale of a home or business, or an anticipated receipt of an inheritance can impact your financial plan. REVIEWS You will be offered a review meeting at least annually. These are important meetings designed to make sure you are on course to your financial goals and if any adjustments need to be made. These meetings can include any other financial planning topics. Principal Owners Retirement Investment Advisors, Inc. is owned by NFP, an Aon company. Types of Advisory Services FINANCIAL PLANNING AND INVESTMENT MANAGEMENT SERVICES In order for us to give each client the highest quality of work and results, we need to understand the entire situation as many variables make each client’s situation unique. Financial planning services typically can include one or more of the following categories: 1) Income and expense analysis 2) Income tax planning 3) Financial statement analysis 4) Retirement planning 5) Investment analysis and/or planning 6) Estate planning 7) Insurance analysis and/or planning 8) Employee benefit analysis and/or planning 9)

Educational funding analysis and/or planning 10) Pension plan analysis and/or planning 11) Divorce settlement planning 12) General consultation The financial planning process is not a single undertaking applicable to a specific time frame, but rather a series of planned actions over a lifetime, or longer when including estate planning. The more we understand a client’s complete financial picture, the more we can work effectively to provide a comprehensive set of options to achieve their financial objectives. We offer financial services with this process in mind and include the following services on an ongoing basis: 1. Initial financial plan with regular updates - The financial strategy development and planning process consists of identifying financial objectives, analyzing the current investment portfolio and considering alternatives, developing and implementing the plan, and periodic reviews and revisions. 2. Investment portfolio design and management - Recommendations from our investment management services incorporate various strategies on U.S. and foreign investments, risk management and asset protection. The planning process also will consider the effect of inflation, income taxes, cash reserves for contingencies, and other relevant issues pertaining to the client’s current and projected financial position. 3. Estate planning – assisting clients and their legal counsel in estate planning matters. The purpose of estate planning is to ensure that client wealth and property are transferred smoothly to achieve the objectives of the family with a minimum of depletion to the heirs and/or charitable organizations if desired. By implementing estate-planning strategies, this planning process can minimize estate taxes, and help avoid aggravating delays in the administrative process necessary to settle an estate. We do not provide legal advice, nor do we prepare legal documents. The cost of our services does not include fees for preparing legal documents needed for estate planning. 4. Asset protection and risk management. The objectives of risk management are to minimize financial loss in the event of property loss, personal liability, illness, death or disability. We analyze alternative risk shifting techniques, such as obtaining proper amounts and cost-effective types of insurance coverage for this purpose. Asset protection is a sub-category of risk management where we examine the structure of a family’s affairs to help avoid the depletion of assets due to a catastrophic event. 5. Retirement planning and educational planning for children and/or grandchildren. The purpose of retirement planning is to accumulate sufficient assets and income sources so that assets last for the remainder of a client’s life. We review all sources of income at retirement to determine what levels of expenses are manageable given a client’s projected life expectancy. This planning involves assumptions regarding required principal sums, rates of return, rates of inflation and length of time until you need the money which helps us determine the sufficiency of your retirement income, whether certain assets should be sold to fund retirement, the level of spending that can be maintained and whether you should reduce your expenses. 6. Qualified plan distribution planning (IRA/PSP/401(k)/MP, Pension, etc.) Qualified plan distribution involves optimizing client net worth through the determination of the best withdrawal options, correct beneficiary designations and timing of withdrawals. 7. Net worth and cash flow management. We assist, upon request, in determining individual and family net worth. This includes income and expense analysis, income tax planning, and financial statement analysis. 8. Quarterly investment reports and updates. Investment statements are provided directly from the custodian quarterly or monthly as you prefer. We provide updates and/or additional reports during our review meetings. 9. Intergenerational wealth transfer strategic planning. We can help you plan tax efficient transfers of your assets in the way that makes sense for you and your family. We do not provide legal advice, nor do we prepare legal documents. 10. Face-to-face meetings with a personal financial planner. We prefer to meet with our clients in-person when geographically possible; otherwise, we can utilize the mode of communication best suited for you. Meetings are held periodically as needed but offered at least annually. We assign members of our professional staff as your contact through which to access all resources of our firm during the financial planning process. We want to ensure that our valued clients have knowledgeable points of contact to answer questions and fulfill requests. As of December 31, 2023, we managed approximately $1,109,660,853 in regulatory assets for 1335 clients. Tailored Relationships We document your goals and objectives and create an Investment Policy Statement (IPS) designed to address those goals and objectives. You can impose restrictions on investing in certain securities at any time. Our relationship will be contained in a written agreement. Types of Agreements We use the following agreements to clarify relationships with clients. Advisory Service Agreement The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. Most clients choose to have us manage their assets in order to obtain ongoing in-depth advice and life planning. Various aspects of the client’s financial affairs are reviewed as permitted and can include provisions for the next generation. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. An Advisory Service Agreement can include cash flow management; insurance review; investment management; education planning; retirement planning; tax strategies; and estate planning, as well as recommendations within each area. Retainer Agreement In some circumstances, we can enter into a Retainer Agreement in lieu of an Advisory Service Agreement if it is more appropriate to work on a fixed-fee basis. Annual retainers for financial services are fixed in advance based upon the complexity of your needs and the nature of the funds and services being provided and are billed quarterly. Hourly Planning Engagements On a more limited scope we can provide hourly planning services. We charge a fee of $400 to $600 per hour for financial professional services. There is a four-hour minimum fee for hourly planning engagements. A specific client fee is based on particular facts and circumstances of the client and advisor. Termination of Agreement You can terminate any of the agreements described above at any time by notifying us in writing. You will only be responsible for fees for the time spent on the investment advisory engagement prior to notification of termination. We will refund any advance payment that we have not earned. Similarly, we can terminate any of the agreements described above at any time by notifying you in writing.