Firm Description MillenniuM Investment & Retirement Advisors, LLC, (“MILLENNIUM”) was founded in 1994 as Millennium Financial Services; becoming MILLENNIUM in 2002. MILLENNIUM provides personalized confidential ERISA & tax planning and investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the Client and can include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Principal Owners Rick Canipe is an 50% stockholder. James Holland is a 50% stockholder. Types of Advisory Services MILLENNIUM is strictly a fee-only, no-commission investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. ERISA 401k consulting and investment advice are integral parts of the firm. In addition, MILLENNIUM advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning. Investment advice is provided, with the Client making the final decision on investment selection. MILLENNIUM often serves as a Named Fiduciary under ERISA 402(a). MILLENNIUM will serve as an ERISA 3(38) Investment Manager. However, MILLENNIUM does not serve as a Co-Fiduciary, as we realize this is a term of art and not a term of law. MILLENNIUM does not act as a custodian of client assets. The Client always maintains asset control. MILLENNIUM places trades for clients under a limited power of attorney. A written evaluation of each Client's initial situation is provided to the Client, often in the form of a net worth statement. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the Client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the Client on an as-needed basis. Conflicts of interest will be disclosed to the Client in the unlikely event they should occur. The initial meeting, which can be made by calling MillenniuM, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management can be beneficial to the Client. Our investing philosophy stems from (1) legal decisions, (2) the Prudent Investor Rule Restatement (Third) Trusts and (3) combines more than eight decades of market data, Nobel Prize-winning academic research and the latest discoveries in behavioral finance. Research and guidance are also obtained from Dimensional® at www.dimensional.com where select non-conflicted advisers collaborate and use low-cost, no-load investment options. Our investing philosophy offers a prudent, strategic approach designed to help investors achieve their lifetime financial goals. It combines trust laws under Restatements of Trusts and:
• Nobel-prize winning academic research
• In-depth studies of investor psychology and behavior
• Over 80 years of empirical evidence and practical applications Through both bull and bear markets, our unique philosophy never wavers. We believe there are five key concepts that play an essential role in the construction of a portfolio tailored specifically to each investor’s goals: As of March 1, 2024, MILLENNIUM has approximately $51,591,612 in regulatory assets under management managed on a discretionary basis, and $1,607,834,598 in regulatory assets under management managed on a non-discretionary basis, for a total of $1,659,426,210 in regulatory assets under management. Tailored Relationships The goals and objectives for each Client are documented in our client relationship management system. Investment policy statements are created that reflect the stated goals and objective. Clients can impose restrictions on investing in certain securities or types of securities. Agreements cannot be assigned without client consent. Types of Agreements The following agreements define typical client relationships. Financial Planning is incidental and no cost Advisory Service Agreement Most clients choose to have MILLENNIUM manage their assets in order to obtain ongoing in-depth advice and life planning. All aspects of the Client’s financial affairs are reviewed, including those of their children. Realistic and measurable goals are set and objectives to reach

those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. 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. An Advisory Service Agreement may include cash flow management; insurance review; investment management (including performance reporting); education planning; retirement planning; estate planning; and tax preparation, as well as the implementation of recommendations within each area. The 1% annual Advisory Service Agreement fee is negotiable and based on a percentage of the investable assets. For more information on when this fee is billed, see the Fees and Compensation section below, under the title of Fee Billing. Current client relationships can exist where the fees are higher or lower than the fee schedule above. Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the Client is at the Client’s discretion. The Client or the investment manager can terminate an Agreement by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Tax documents (1099s, 5500, etc.) preparation can be performed as an integral part of the Advisory Service Agreement. Eligible federal and applicable state returns are filed electronically without an additional fee. Retainer and Consulting Expert Agreement In rare circumstances, a Retainer Agreement is executed in lieu of an Advisory Service Agreement when it is more appropriate to work on a fixed-fee basis. The annual fee for a Retainer Agreement is NEGOTIABLE. Payment of the Retainer Agreement is due to be paid to MILLENNIUM upon MILLENNIUM’s completion of the work agreed to within the Retainer Agreement. If Client terminates the Retainer Agreement and any fees are due MILLENNIUM for work performed, MILLENNIUM will invoice the Client. The invoice is payable within 5 days of delivery to the Client. Tax Preparation Agreement Tax preparation work is included in the Advisory Service Agreement or Retainer Agreement scope of work. Tax preparation work performed separately from an Advisory Service Agreement or a Retainer Agreement is billed at a rate of $150-$250 per hour. Eligible federal and applicable state returns are filed electronically without an additional fee. Hourly Planning Engagements MILLENNIUM provides hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $150-$250 and is negotiable. Hourly fee-based clients are billed upon completion of work performed by MILLENNIUM for the Client. If the final fee is not paid by the Client upon completion of the work by MILLENNIUM, the Client is required to pay the fee within 5 days of delivery of the invoice by MILLENNIUM. If the Client terminates the Agreement with MILLENNIUM prior to MILLENNIUM’s completion of the work, any fees due MILLENNIUM will be invoiced to the Client and payable within 5 days of delivery of the invoice. Asset Management MILLENNIUM does not receive commissions from securities products. MILLENNIUM routinely monitors and reports on the risk and return of these products as a part of our services for clients and employees of 401k clients. Assets are invested in no-load or low-load mutual funds and exchange-traded funds, usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages can charge a transaction fee for the purchase of some funds. Stocks and bonds can be purchased or sold through a brokerage account when appropriate. The brokerage firm charges a fee for stock and bond trades. MILLENNIUM does not receive any compensation, in any form, from fund companies. Investments can also include: mutual funds and exchange traded funds. Initial public offerings (IPOs) are not available through MILLENNIUM. Termination of Agreement A Client can terminate any of the aforementioned agreements at any time by notifying MILLENNIUM in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the Client made an advance payment, MILLENNIUM will refund any unearned portion of the advance payment. MILLENNIUM can terminate any of the aforementioned agreements at any time by notifying the Client in writing. If the Client made an advance payment, MILLENNIUM will refund any unearned portion of the advance payment.