MJ Retirement is an Indiana limited liability Company that was founded in May 2012, and is an investment adviser registered with the SEC. We provide customized advisory services to retirement and deferred compensation plan sponsors, foundations, endowments, corporations, and other businesses. MJ Retirement also provides Wealth Management Services to individual investors. MJ Retirement willingly accepts the designation as a “Co-Fiduciary” under ERISA 3(21) (A) and ERISA 3(38) as part of its normal course of business. In 2021, MJ Retirement became wholly owned subsidiary of MJ Insurance, Inc dba The MJ Companies. Douglas G. Prince is the Chief Executive Officer and Chief Investment Officer, and Brea Dantin is the Chief Operations Officer.. As of December 2023, MJ Retirement manages $1,348,666,081.00 in client assets on a discretionary basis and $3,063,811,062.00 on a non-discretionary basis. Our general services include, but are not limited to, the following: Plan Sponsor and Institutional Investment Advisory Services Establishment of Investment Objectives Investment advisory services begin with the identification of the client's goals and objectives for the investment portfolio and a discussion of the appropriate level of risk for the retirement plan's participants (for participant-directed retirement plans), the Plan Sponsor (for Trustee-Managed or Defined Benefit Plans) or the institution. Investment Policy Statement (IPS) Development and Management The investment policy statement is a written document that contains the guidelines for investment recommendations, investment selection, as well as ongoing monitoring and management of the investment portfolio. The IPS outlines the intended use of the portfolio's assets, the time horizon, liquidity needs, targeted allocation by asset class (for example, equity, fixed income, cash), well as a range from low to high for each allocation, and any impermissible investments. The IPS also provides an overview of the methodology used for selection, monitoring and termination of investment managers. The IPS is reviewed on an annual basis and at other times when there has been a change in the client's intention for the long-term direction of the portfolio or an impending event such as a termination of the retirement plan. Asset Allocation Analysis Asset allocation analysis involves a review of how the client's portfolio has been invested in the past in terms of the division between equity, fixed income, cash and alternative investments, along with the level of risk the historical allocation has generated and the allocation's impact on historical returns. The analysis is used to assess the degree to which the asset allocation fits with the client's goals and objectives and to model alternate asset allocations that may be appropriate depending on the client's goals and objectives. Investment Manager Search, Selection and Due Diligence Searching for the investment managers that will carry out the Investment Policy Statement first involves consideration of the types of vehicles that are available from the entity (such as the custodian or retirement plan record keeper) that provides the investment platform through which investments will be purchased, sold and held. The types of vehicles could include for example mutual funds, exchange-traded funds, collective trusts, master trusts, and separate accounts. MJ Retirement will recommend the best fit for each client's goals, asset level, liquidity needs and participant population (for participant-directed retirement plans). MJ Retirement uses a variety of money manager databases, as well as third-party and proprietary screening and evaluation tools along with its professional judgment and experience to search for and recommend investment managers. Investment managers are monitored through a qualitative and quantitative methodology on a quarterly basis. Clients receive a written report after the end of each calendar quarter showing the investment manager's rate of return for the quarter, how the return compares to the applicable market benchmark and to a peer group of similar managers available from MJ Retirement’s investment manager databases. Recommendations for replacement of an investment manager or addition of a new manager are provided at such time the quarterly report is delivered. Additionally, significant events that MJ Retirement believes could have a detrimental impact on the investment manager's performance will be discussed with the client along with any recommendations. Examples of such events could be changes to the portfolio management team, a change in investment philosophy, a significant change in investment strategy or events affecting the investment manager's corporate entity. A plan-level rate of return is provided for retirement plans and a portfolio

rate of return is provided for other institutional clients. The reports are illustrative and based upon information deemed to be reliable, but do not replace account statements received from the custodian. Fiduciary Services for Retirement Plan Clients For retirement plan clients, MJ Retirement provides fiduciary training at the onset of the engagement covering foundational topics, such as who is the fiduciary, what are the statutory duties of a fiduciary, establishing fiduciary governance, and investment basics such as asset allocation, diversification, and historical risk and return of investment categories. Additionally, at each quarterly investment review topics of interest to fiduciaries and tools for fiduciaries to use in carrying out their duties are presented and discussed. For retirement plan clients, a benchmarking of total fees and expenses is conducted. Total fees and expenses are compared to a benchmarking group consisting of retirement plans similar in asset size, participant count and industry classification. For all institutional clients, investment expenses by investment manager are reported on a quarterly basis and compared to the category average for managers in the same or similar investment category. For retirement plan clients who want to replace their record keeper or request an in- depth comparison of services and fees to another record keeper, MJ Retirement performs a full scope record keeper search. There may be a separate fee for this service which will be discussed with the client prior to beginning the project. MJ Retirement also provides limited scope record keeper search services whereby the primary goal is to compare fees and basic services. At the client’s request, MJ Retirement serves as the intermediary between the client and the record keeper for fee negotiations, problem resolution, examination of new services and development of an employee education and communication strategy. Consultations Certain clients may engage MJ Retirement for a consultation instead of for on-going investment advisory services. A consultation is a one-time, limited scope project. Examples of consultation projects would be limited scope investment advice for a particular type of investment or an asset allocation for a specified period of time, a one- time record keeper or other service provider search, advice on a prudent process for a specific fiduciary duty, participant or Investment Committee education, etc. MJ Retirement’s fees for consultations are based upon the scope and nature of the consultation engagement and will be agreed upon in advance of the engagement. Wealth Management Services Financial Planning Services MJ Retirement offers financial planning services for clients who wish to receive holistic advice as it relates to their entire financial situation. Elements of the client’s circumstances and needs reviewed in a financial plan include, but are not limited to investments, insurance, income taxes, estate planning, retirement income generation, liquidity needs and education funding. MJ Retirement does not offer legal or tax advice, but rather works with the client and the client’s legal and tax advisors to formulate a financial plan. Investment Advisory Services Investment advisory services begin with the identification of the client's goals and objectives for the investment portfolio and a discussion of the appropriate level of risk based upon the client’s capacity to take risk and risk tolerance. Other factors considered by MJ Retirement include, but are not limited to, time horizon, liquidity needs, income needs and the purpose for the investment portfolio. MJ Retirement offers investment advisory services on a discretionary basis (meaning the client gives MJ Retirement authorization to make investment decisions without seeking prior approval from the client) and a non-discretionary basis (meaning the client must approve the investment recommendations made by MJ Retirement prior to implementation). Clients who engage MJ Retirement on a non-discretionary basis may impose restrictions on investing in certain types of investments or on specific securities. MJ Retirement will conduct an investment review (whether in person or by telephone) with wealth management clients on a quarterly basis or less frequently if requested by the client. The review will include a discussion of the portfolio’s overall performance and investment manager returns. For non-discretionary clients, the review will also include recommendations to add or replace investment categories or investment managers when applicable. The review will also serve as a forum to discuss any changes in the client’s financial or family situation or changes to investment goals and objectives.