Firm Description ABG Consultants, LLC, (“ABGC”) was founded in 2004. ABGC provides personalized confidential investment management to individuals, pension and other retirement plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client. ABGC is strictly a fee-only investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. Investment advice is provided on either a discretionary or non-discretionary basis. ABGC places trades for clients under a limited power of attorney. ABGC does not act as a custodian of client assets. Principal Owners ABG Consultants, LLC is a wholly owned subsidiary of Rocky Mountain Employee Benefits, Inc. Effective January 1, 2021, Rocky Mountain Employee Benefits, Inc. was acquired by Fiduciary Services Group, LLC. Types of Advisory Services ABGC provides investment advisory services, including asset management, financial consulting, and financial planning. Financial planning may include investment planning, life insurance, tax concerns, retirement and estate planning, education planning, and budgeting. Assets are invested primarily in no-load or low-load mutual funds and exchange- traded funds, through qualified custodians. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through ABGC. Advisory Services to Individuals

The goals and objectives for each client are established during client onboarding and then reviewed with the client periodically. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. Clients may impose restrictions on investing in certain securities or types of securities. Advisory Services to Retirement Plans ABGC provides both 3(38) and 3(21) advisory services for retirement plans. Investment policy statements are created that reflect the stated goals and objectives. In addition, ABGC offers a managed account option to retirement plans. For this managed account option, individuals complete a risk tolerance questionnaire which combined with their age, determines the account’s allocation. Adjustments to the allocation for age are made annually around the individual’s birthday, and individuals can update their risk tolerance at any time. Advisory Services to Health Savings Accounts ABGC also provides investment advisory services for Health Savings Accounts (“HSAs”). There are both discretionary managed account and non- discretionary account options. For the discretionary managed account option, individuals complete a risk tolerance questionnaire which combined with their age, determines the account’s allocation. Adjustments to the allocation for age are made annually around the individual’s birthday, and individuals can update their risk tolerance at any time. For non-discretionary options, individuals create their own portfolio allocation from the investment options we make available. As of December 31, 2023, ABGC has $511,855,158 in assets under management. Of this amount, $367,346,672 is managed on a discretionary basis, and $144,508,486 is managed on a non-discretionary basis.