Guidance Point Retirement Services, LLC ("GPRS"), having Andrew J. Walker as its principal owner, Investment Adviser Representative and Chief Compliance Officer, is organized in the State of Delaware, and is registered as an investment adviser with the U.S. Securities and Exchange Commission.
GPRS provides comprehensive investment advisory and fiduciary services to retirement plan sponsors pursuant to an agreement. The investment advisory services provided to participant-directed retirement plans is non-discretionary and the investment advice provided to plan-sponsor directed plans and other corporate accounts is discretionary in nature.
GPRS also provides recommendations on the investment of plan assets to plan participants on a non- discretionary basis. The typical services we offer to defined contribution and defined benefit plan sponsors are related to investment consulting, participant education, fiduciary education, vendor selection, plan design, and benchmarking. Our services are described below: Investment Consulting - Plan Level: Our Investment Consulting services include the development of an Investment Policy Statement, a target investment allocation, the selection of appropriate investment vehicles for the plan, and the on- going monitoring of the portfolio. These services are tailored to the specific needs to the firm's individual clients. GPRS will honor any reasonable restrictions on investing in certain securities or types of securities imposed by the client in writing.
GPRS investment recommendations generally include mutual funds, exchange-traded funds, collective investment funds, and insurance company separate accounts. We also may recommend certificates of deposit, U.S. government securities, insurance company fixed accounts, and money market funds.
Vendor Selection: Our Vendor Selection process begins with a thorough understanding of the plan sponsor's goals and objectives. We develop either a Request for Proposal (RFP) or a Request for Bid (RFB). We pre- qualify vendors and request they complete either a RFP or an RFB. We coordinate and manage any questions from the vendors and prepare a comprehensive analysis of all vendor responses.
As the search process continues we help the client narrow the field of possible vendors and coordinate finalist interviews and reference checks. We work with the client through the decision making process and recommend a vendor to service the plan. As a final step we provide communication and implementation support. Plan Design: We describe our comprehensive fiduciary review process as "The Starting Point". The Starting Point is a 6-week Fiduciary Governance redesign program, through which we identify the direction your governance should take, dive deeply into your plan design and documentation, and work through formalizing your governance structure and board delegations. Our consultants have a national

perspective and decades of experience working with all types of qualified retirement plans. We are able to use our experience to help our clients meet their objectives. We have direct experience working with the following types of plans:
•401(k) and 403(b) 4
•Profit Sharing
•Money Purchase
•Target Benefit
•457
•Defined Benefit
•Cash Balance We help our clients meet their fiduciary duty by conducting unbiased, objective, comprehensive fee reviews, fiduciary reviews, investment reviews, and vendor reviews. We benchmark the review results using appropriate industry standards and surveys. Ongoing Consultant Services: Our ongoing consulting services focus on continually improving fiduciary governance, reducing costs and improving investment outcomes. We represent our clients in the vendor management process and assist in coordinating their duties. Additionally, we evaluate a client's vendors through annual qualitative analysis, quality review of all administrative and recordkeeping work, and annual fee benchmarking. We serve as co-fiduciaries for all clients, and create a fiduciary governance system with a goal of helping fiduciaries conform to industry best practices. This process often begins with specific education relative to the fiduciary's duties and responsibilities. Our ongoing services include:
•Review of board delegations
•Establishment and review of investment committee charter
•Development of an Investment Policy Statement
•Development of an Education Policy Statement (ERSA)
•Benchmarking of plan fees and expenses
•Quarterly due diligence meetings with the investment committee
•Recording of committee meeting minutes
•Electronic backup of investment committee documentation Participant and Fiduciary Education: GPRS provides ongoing education support to participants in 401(k) and 403(b) plans. We strive to equip plan participants with the information and tools necessary to make informed investment decisions with a focus on retirement readiness.
GPRS may provide mutual fund allocation recommendations based upon the mutual fund investment options made available to the plan participant as part of the overall relationship with the plan sponsor client. GPRS will not make recommendations to plan participants regarding: 1) investment in public or privately held employer stock options; or 2) investment in self-directed brokerage accounts.
At the plan fiduciary level, we provide specific education to all plan fiduciaries relative to their duties and responsibilities. We conduct the education with a goal of helping the fiduciaries conform to industry best practices.
As of December 31, 2023, GPRS provided pension consulting services and investment management services to $1,726,808,349 in client assets, of which $64,263,884 as managed on a discretionary basis. 5