RDA Financial Network, Inc. (RDAFN) is registered as an investment advisor with the Securities and Exchange Commission since October 2008. RDAFN is notice filed in Iowa and all other states where it conducts business and is required to be notice filed. Investment Management Services - RDAFN provides Investment Management Services, defined as giving continuous advice to clients based on their individual needs through RDAFN’s Investment Management Services. RDAFN will obtain financial information from prospective clients to determine the suitability of RDAFN’s Investment Management Services for prospective clients and to determine the appropriate investment objectives that are specific for each client account that is established with RDAFN. Sub-Advisor Services - In some instances, Investment Management Services Accounts may be managed by independent Sub-Advisors that have Sub-Advisory agreements with RDAFN. In such circumstances, the Sub-Advisor will have discretionary power and trading authority for the investment of the Account. RDAFN and IAR shall be responsible for making the suitability determination in what investment strategy will be implemented in the management of Client’s Account by Sub-Advisor. Sub-Advisor will also provide administrative services which may include the calculating and processing for payment of advisory fees on behalf of RDAFN. Sub- Advisor may perform other administrative duties on behalf of RDAFN. Discretionary Trading - RDAFN, IAR or Sub-Advisor will buy, sell, exchange, convert, tender and otherwise trade on a discretionary basis mutual funds, variable annuities and life contracts, and the sub-accounts thereof, general securities including stocks, bonds, CMOs, REITs, ETFs, unit investment trusts and other securities, and if authorized independently, to purchase or write options to purchase or sell securities, consistent with investment analysis, interpretations and judgments designed to seek an investment return suitable to the investment objectives and goals of the Client, subject, however, to any limitations established by the Client and acknowledged by RDAFN. WRAP Fee Custodian/Broker-Dealer Arrangements - RDAFN shall consider a number of factors including, without limitation, best execution, the overall direct net economic impact on account assets (including commissions which may not be the lowest available, but which will not be higher than the generally prevailing competitive range) the financial stability of the Custodian/Broker-Dealer, the efficiency with which the transaction is effected, the ability to effect the transactions where complicating factors are involved, the availability of the Custodian/ Broker-Dealer to stand ready to execute possible difficult transactions in the future, and other matters involved in the receipt of brokerage and research services. RDAFN has Wrap Fee Custodian/Broker-Dealer arrangements with Charles Schwab & C0., Inc. (Schwab) (Referred to as Custodian/Broker-Dealer) RDAFN will recommend this Custodian/Broker-Dealer to clients for custody and brokerage services. This Custodian/Broker-Dealer’s advisory accounts custody and brokerage services are typically not available to retail investors. These benefits include the following products and services (provided without cost or at a discount)
• Duplicate client statements and confirmations
• Research related products and tools.
• Consulting services. VERSION 03.30.2024 | Page 4 of 18 RDA FINANCIAL NETWORK | WRAP FEE BROCHURE
• Access to a trading desk serving advisor participants.
• Access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts).
• The ability to have advisory fees deducted directly from client accounts.
• Access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers.
• Discounts on compliance, marketing, research, technology, and practice management products or services provided to RDAFN by third party vendors. Some of the products and services made available by this Custodian/Broker-Dealer may benefit RDAFN but may not directly benefit client accounts. These products or services may assist RDAFN in managing and administering client accounts, including accounts not maintained at this Custodian/Broker-Dealer. Other services made available by this Custodian/Broker-Dealer are intended to help RDAFN manage and further develop its business enterprise. The benefits received by RDAFN do not depend on the amount of brokerage transactions directed to this Custodian/Broker- Dealer. Clients should be aware, however, that the receipt of economic benefits by RDAFN or its related persons in and of itself creates a potential conflict of interest and may indirectly influence RDADFN’s choice or recommendation of this Custodian/Broker-Dealer for custody and brokerage services. Trading – RDAFN allocates trades to clients in a fair and equitable manner that will be applied consistently to all clients. Personal accounts of RDAFN, its investment advisor representatives, associates and family members will not be treated more favorably than any other client account. RDAFN will make every attempt to completely fill all block order trades. In the event where there is a partial fill of the trade the trade will be allocated as follows: Small (100 share) and odd lot positions filled in entirety then prorated across the remaining shareholders. All variable annuities managed within the Investment Management Program by RDAFN will have their variable annuity sub- account transactions processed through the Custodian of record for the variable annuity. Trading Error Corrections - It is RDAFN’s policy to ensure clients are made whole following a trade error. Specifically, when a trade error occurs in a client account that results in a loss, the responsible party will reimburse the client. The responsible party may include RDAFN, RDAFN IARs, United Planners or a Custodian/Broker-Dealer. If the trade error was made in a client account resulting in a gain of over $100.00, the client will keep the gain. If the gain is under $100.00 Schwab will keep the gain If the trade error was made in a block trading account and client funds were not at risk and the trade results in a gain, RDAFN will keep the gain unless the Custodian/Broker-Dealer keeps the gain. Additional Information on RDAFN’s Relationship with United Planners Financial Services – United Planners and its clearing broker/dealers (Pershing LLC.) also make available to RDAFN other products and services that benefit RDAFN but may not directly benefit its clients' accounts. Some of these other products and services assist RDAFN in managing and administering client accounts. These include software and other technology that provide access to client account data (such as trade confirmation and account statements); facilitate trade execution; provide research, pricing information and other market data; facilitate payment of RDAFN's fees from its clients' accounts; and assist with back-office functions; record keeping and client reporting. Many of these services generally may be used to service all or a substantial number of VERSION 03.30.2024 | Page 5 of 18 RDA FINANCIAL NETWORK | WRAP FEE BROCHURE RDAFN's accounts, including accounts not held through United Planners. Broker-Dealer and Custodian fees, expenses, and commission charges are separate and distinct from the fee charged by RDAFN. Custody - All client accounts and assets are held by independent custodians. Under no circumstances will RDAFN maintain custody of Client accounts or assets. RDAFN’ only has custody to the extent it needs to have Advisory Fees deducted from client accounts. Investment Management Agreements Termination. Agreements

may be terminated by any party to the Agreements by giving notice to the other party of termination. Agreements shall also be terminated by closing the Client Account(s). In addition, Agreements shall be terminated upon written notice from the Custodian that the authorization to deduct the Advisory Fees from the Client Account(s) has been terminated. Any prepaid, unearned fees will be refunded to Client on a pro-rata basis. There is no termination fee; however, the account(s) may be subject to fees or charges related to transferring an account, or account closing costs charged by the Custodian. Doing Business As - Our business model is based on a network of Investment Advisor Representatives (“IARs) with offices located in numerous states and cities. Although all IARs of RDAFN are registered with, and subject to oversight and supervision by RDAFN, they operate their businesses independently and some offices work under a separate business name or “DBA”. IARs associated with RDAFN may provide IAR services to clients under a DBA name that is owned and registered by the IAR or the group of IARs for which the DBA name represents. As such, marketing materials provided to clients and potentials clients may include the DBA name and may include a logo associated with the DBA name. RDAFN continues to review and approve marketing materials related to the IAR or IA firm services offered and provided to clients. RDAFN supervises IARs in the performance of their IAR duties whether the services are performed under the IAR’s name, the DBA name, or the RDAFN name. If properly disclosed as an outside business activity of the IAR, RDAFN allows IARs to provide other products and services through their DBA so long as they are unrelated to RDAFN’s investment advisor business. These outside business activities are not associated with or supervised by RDAFN. Because all our IARs operate their businesses independently from one another, they have significant flexibility in providing tailored individualized investment advice to clients. RDAFN’s home office in Akron, Iowa, assists the IARs with marketing, back-office functions and compliance responsibilities. A list of all the RDAFN approved DBA names can be found on our Schedule D, Section 1.B. Other Business Names of our Form ADV Part 1 available on the SEC’s Investment Advisor Public Disclosure website at www.adviserinfo.sec.gov. GENERAL ADVISORY SERVICES DISCLOSURES Investment Management -Assets Under Management RDAFN has $493,702,617.90 of assets under discretionary management in its Investment Management Services as of December 31, 2023. RDAFN has $0.0 of assets under non-discretionary management in its Investment Management Services as of December 31, 2023. RDAFN has $47,378,137.59 of assets under its Wrap Fee Management program as of December 31, 2023. VERSION 03.30.2024 | Page 6 of 18 RDA FINANCIAL NETWORK | WRAP FEE BROCHURE RDAFN’s Investment Management Fees - RDAFN manages client accounts for a percentage of the assets under management. RDAFN charges an annualized Advisory Fee that ranges up to 2.05%, depending on the size and complexity of the client account. The initial Advisory Fee shall be calculated from the date on which assets or cash were first deposited to the Account to the last day of the calendar quarter in which such deposits were made (or, at RDAFN’s option, through the last business day of the next calendar quarter if the date the account is accepted by RDAFN falls within 30 days prior to the beginning of a calendar quarter). The Account Value for the purposes of calculating the initial Advisory Fee is the value on the last day of the calendar quarter. If additional assets are deposited to the Account(s) during a fee period, the client will be charged additional Advisory Fees based on the value of the additional assets, prorated for the number of days remaining in such fee period. The Advisory Fee will normally be charged on a quarterly basis, payable in advance, and will be billed based on the value of the assets under management on the last day of the prior reporting period. Debit balances due to the use of margin will be ignored for the purposes of calculating fees. If an Account is opened by transferring assets from an existing RDAFN Account, then the Advisory Fee will not be assessed until the beginning of the quarter following execution of this Agreement. If an Account is closed by transferring assets to a new Account managed by RDAFN or Sub-Advisor, then the Advisory Fee for the quarter shall not be prorated to the date of transfer. Sub-Advisors - RDAFN will compensate Sub-Advisors up to 1.05% for their investment management services and administrative services for sub-advised accounts. Sub- Advisor compensation may increase client’s Advisory Fees. RDAFN’s Fiduciary Oath - RDAFN and RDAFN’s IARs must adhere to a fiduciary standard of care that requires RDAFN and RDAFN’s IARs to act and serve in the client's best interests with the intent to eliminate, or at least to expose, all potential conflicts of interest which might incline them—consciously or unconsciously—to render advice which was not in the best interest of their clients. RDAFN’s Proprietary Strategies Fees – RDAFN proprietary strategies have a maximum fee allowable of 2.05%. General Investment Management Fee Disclosures - Client may have Advisory Fees paid from other accounts or custodians, or be billed directly by invoice, in such cases Advisory Fee deductions will be noted as zero on the client’s monthly Custodian statements. Clients may incur certain charges imposed by third parties other than RDAFN, in connection with investments placed in a managed account, including but not limited to:
• IRA and Qualified Retirement Plan Fees
• Other custodial fees
• Mutual fund and variable annuity internal expenses, commissions, sales loads,12(b)- 1 fees, trail fees and surrender charges. Some advice offered by the IARs may involve investments in mutual funds and variable annuity products which pay 12b-1 trail fees. RDAFN prohibits IARs from collecting both a fee for investment advisory management, and any 12b-1 trail fees associated with their clients investing in such products. Clients should be aware that the payment and receipt of 12b-1 trail fees do exist, and that other entities may collect such fees. VERSION 03.30.2024 | Page 7 of 18 RDA FINANCIAL NETWORK | WRAP FEE BROCHURE RDAFN and IARs may in some instances receive other advantages from these entities in the form of soft dollars to help cover technology costs, thus creating a potential conflict of interest. Advisory Fees paid by clients in RDAFN’s Wrap Fee Program may be more than the cost of purchasing the same services separately or similar services elsewhere. RDAFN’s Wrap Fee Program Advisory Fees are negotiable. MARKETING SOFT DOLLARS - RDAFN Advisors may receive a portion of fees paid to sub- advisors to be used for marketing purposes. This may create a conflict of interest in where an IAR may encourage the use of one of these participating strategists over other approved sub- advisors. Currently, RDAFN does not have any existing relationships to disclose. RDAFN Miscellaneous Technology Fee – RDAFN advisors may choose to charge each client account at their discretion a miscellaneous technology fee. This fee helps defray the growing costs of technology and cyber security expenses associated with the maintenance of your account(s). Each advisory account may be charged a yearly miscellaneous technology fee not to exceed $150.00 USD. This fee will be debited directly from each account agreed to by both IAR and client in writing on RDAFN’s Agreement for Investment Managements Services Exhibit A form in advance on a quarterly basis. Any technology fee will not be refunded.