Prudent Investor Advisors, LLC (“Prudent”) began conducting business in 2007. As of April, 2011, Prudent began using Prudent Retirement Services as a brand to market retirement plan services to other investment professionals only and not to the general investing public. Prudent began using MYworkIRATM in 2014 to market retirement plan services to business owners and their employees. Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company):  Gary K. Allen, Principal  Jeffrey B. Coontz, Principal Prudent offers the following advisory services to our clients: INVESTMENT MANAGEMENT Prudent provides investment management services to its clients on a discretionary and non-discretionary basis. When Prudent manages client assets on a discretionary basis, Prudent executes securities transactions for clients without having to obtain specific client consent prior to each transaction. Discretionary authority is limited to investments within a client’s managed accounts and the investments options within a group plan when applicable. However, clients may impose restrictions on investing in certain securities or types of securities. When Prudent manages client assets on a non-discretionary basis, Prudent notifies the client and obtains permission prior to the sale or purchase of each security within the managed account. Clients may decide not to invest in certain securities or types of securities and may refuse to approve securities transactions. Prudent provides investment management services that include, among other things, advice regarding asset allocation and the selection of investments, retirement plan participant meetings, portfolio design including model portfolios, investment plan implementation and ongoing investment monitoring. Prudent relies on the stated objectives of the client and considers the client’s risk profile and financial

status and/or investment policy statement prior to making any recommendations. Prudent doesn’t participate in wrap fee programs by providing portfolio management or any other services. FINANCIAL PLANNING SERVICES Prudent provides financial planning services consistent with a client's stated investment objectives, tolerance for risk, liquidity and suitability. To ensure that our initial determination of an appropriate portfolio remains suitable and that the account continues to be managed in a manner consistent with the client's financial circumstances, we will: 1. Send quarterly written reminders to each client requesting any updated information regarding changes in the client's financial situation and investment objectives; 2. At least annually, contact each participating client to determine whether there have been any changes in the client's financial situation or investment objectives, and whether the client wishes to impose investment restrictions or modify existing restrictions; 3. Be reasonably available to consult with the client; and 4. Maintain client suitability information in each client's file. There is an incentive for Prudent to recommend investment management services for which it receives compensation. A conflict of interest is created whenever associated persons of the Adviser recommend products or services to a client for which the associated person receives compensation. However, financial planning clients are under no obligation to act upon any recommendations of Prudent or to execute any transactions through Prudent if they decide to follow the recommendations. CONSULTING SERVICES Prudent provides education and enrollment services to participants in retirement plans. AMOUNT OF MANAGED ASSETS As of 12/31/2023, we were actively managing $83,598,273 of clients' assets on a discretionary basis plus $1,161,812,885 of clients' assets on a non-discretionary basis.