Firm Description Established in 2006, New England Retirement Consultants is an independent SEC registered investment advisory firm. Our primary business is consulting and advising on 403(b), 401(k), 457, defined benefit plans and endowment/foundations. Improving plans for tomorrow is the focus as we provide forward-looking solutions that are fresh and innovative. New England Retirement Consultants has unique strengths. Our consultants are all senior-level and average 25 years as industry leaders. Our Investment Advisory representatives began their careers working for 401(k) & 403(b) record-keepers, so our foundation in all aspects of retirement plan consulting is strong. We have the expertise to act as a 3(21) or 3(38) fiduciary to ERISA qualified plans. Services Provided: Investment Advisory, Policy, Asset Allocation, Discretionary Investment Services and Management of Fiduciary Responsibilities: New England Retirement Consultants, LLC- assists retirement plan sponsors and charitable organizations in managing their fiduciary responsibilities as outlined by U.S. Department of Labor (DOL) and Uniform Prudent Management of Institutional Funds Act (UPMIFA).  Defined Contribution 401(k), 403(b) & Pension Vendor Searches New England Retirement Consultants provides services to meet the fiduciary needs of organizations with oversight of retirement plans. The Department of Labor requires fiduciaries of these plans to make sure that fees charged are reasonable. Our services provide prudent due diligence of record keeper fees to ensure that fees for services are reasonable.  Asset Allocation New England Retirement Consultants provides asset allocation services to help determine the optimal risk reward allocation for each Custom Target Model, DB or endowment/foundation client based on spending policy needs or plan benefit payments. Investment manager searches will be specific for each client and their stated investment criteria. We utilize several databases to evaluate both institutional and retail money managers. Selection criteria include manager tenure, performance, risk, style, pricing and reputation.  Investment Monitoring and Manager Searches Manager searches and selection of mutual funds and independent separate account managers that meet the client objectives based on stated investment objectives are made using various databases. Due diligence reports include investment manager performance, risk and style analysis, comparing alternatives to appropriate benchmarks and peer groupings.  Defined Benefit Plan De-risking & Terminal Funding

Consulting New England Retirement Consultants provides services for the de-risking of defined benefit pension plans with the goal of plan termination. We help determine how to prudently reduce & eliminate liabilities in plans while reducing risk of investment allocations. We monitor and track progress, adjusting strategies in response to changes in the pension plan’s financial conditions and the external economic environment.  Outsourcing Chief Investment Officer Responsibilities New England Retirement Consultants provides a unique and compelling solution for Investment Committees who want to improve governance, execution, customization, transparency and reduce liability & exposure to investment committees & their organizations. We provide these customized investment-outsourcing services for small to mid-sized endowments, foundations and retirement plans. The goals and objectives reside with the Investment Committee, yet the committee can delegate all or part of the investment decision-making process. Investment outsourcing provides fiduciary parity of investment committee members while allowing investment transactions to occur more efficiently and effectively. Using a combination of institutional money managers and separately managed accounts, we can tailor portfolios for specific objectives, especially as per donor instructions. Environmental, Social, & Governance screens can also be implemented across all separate account managers and asset classes (including indices). For qualified ERISA retirement plans we become a 3(38) fiduciary.  Other Services Searches for actuarial, custody and administration for defined benefit plans are performed on a consulting assignment. Matching customer needs with appropriate services and costs for both ongoing and frozen defined benefit plans. We also conduct fiduciary assessments of retirement plans, corporate cash, endowments & foundation assets. Ad-hoc studies: Clients may request special studies on various matters specific to their plans. New England Retirement Consultants, LLC can provide special studies to meet the specific needs of the client. Principal Owners Glenn A. Jensen is a 100% stockholder. Agreements may not be assigned without client consent. As of 12/31/23, New England Retirement Consultants, LLC has Regulatory Assets Under Management of $1,793,515,209.46. Other Assets Under Advisement total $2,424,995,263.26 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.