Description of Services and Fees Argent Retirement Plan Advisors, LLC (“Argent Retirement”), is a registered investment adviser, organized as a limited liability company under the laws of the state of Oklahoma. Our firm has been providing investment advisory services since 2012. Argent Financial Group, Inc. is our principal owner and Mark Milton is our President. Currently, we offer the following investment advisory services, which are tailored to each client relationship:
• Pension Consulting Services
• Investment Management Services The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your plan needs. As used in this brochure, the words "we", "our" and "us" refer to Argent Retirement and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Scope of Services Overview: Argent Retirement provides investment advisory/pension consulting services to retirement plans, primarily participant directed retirement plans. Argent Retirement does not provide services to any other type entities, nor is it engaged by any individuals to provide investment advisory services. Argent Retirement does not execute any securities transactions for its clients. Argent Retirement is custodian neutral (the retirement account custodian is usually directed by the Plan sponsor). Argent Retirement’s only compensation is derived from the advisory fees paid to it by its clients. Argent Retirement does not receive any transaction-based or any other type of compensation. Argent Retirement does not currently implement any securities transactions for participant directed retirement plan clients, nor does it currently devise and mange any asset allocation models that are included on a plan’s investment platform. All clients execute an Investment Policy Statement that governs the advisory engagement. Argent Retirement’s primary business is engagement by participant directed retirement plan sponsors to assist Plan sponsors with the investment menu from which plan participants shall choose in managing their individual plan retirement accounts. The engagement can be obtained by Argent Retirement as result of an RFP process. All RFPs are reviewed and approved by Argent Retirement’s Chief Compliance Officer prior to submission to the requesting Plan. For such engagements, Argent Retirement recommends a platform of unaffiliated investment vehicles to the Plan trustees for their consideration and approval (primarily, unaffiliated lowest appropriate share class open-end mutual funds, with the small remainder allocated to collective trusts when the internal expenses of the trusts are less than their mutual fund counterparts). In limited engagements, Argent Retirement has been granted the authority by the Plan trustees to select the investment vehicles. Plan participants then choose from the investments on the approved platform to manage their individual retirement accounts (the participants make their own transactions). Argent Retirement may also, when specifically engaged to do so, provide general education to participants to assist them in making investment decisions for their individual retirement accounts. Plan clients continue to receive a 408(b)(2) Notice upon engagement, and if/when there is a change to such Notice. Argent Retirement continues to maintain an ERISA bond. Pension Consulting Services Our primary business is pension consulting services to participant directed ERISA plans (see below). Before engaging Argent Retirement to provide services, clients are required to enter into an agreement with us setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the fees that a client will incur (see fee schedule at Item 5 below). Argent Retirement provides pension consulting and investment advisory services specific to the needs of each client. Before providing pension consulting and/or investment advisory services, we will ascertain the client’s (i.e., the plan) investment objective(s), and confirm same in an Investment Policy Statement. We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment performance monitoring, and/or ongoing consulting. These pension consulting services will generally be advisory in nature. The ultimate decision to act on behalf of the plan shall remain with the plan sponsor or other named fiduciary. We may also assist with participant enrollment meetings and provide investment-related educational seminars to plan participants on such topics as:
• Diversification
• Asset allocation
• Risk tolerance
• Time horizon Our educational seminars may include other investment-related topics specific to the particular plan. We may also provide additional types of pension consulting services to plans on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and be consistent with the parameters set forth in the plan documents. Investment Management Services We may also be engaged to provide

non-discretionary investment advisory services to defined benefit plans specific to the needs of each plan. Before providing investment advisory services, an investment adviser representative will ascertain each plan’s investment objective(s) and restrictions, if any, as confirmed in the Investment Policy Statement. Thereafter, we will recommend that the plan client allocate investment assets consistent with their designated investment objectives as stated in the Investment Policy Statement. Once allocated, we provide ongoing monitoring and review of account performance and asset allocation to help maintain the client’s investment portfolio consistent with the plan’s investment objectives as stated in the Investment Policy Statement. Types of Investments Argent Retirement generally recommends a platform of unaffiliated investment vehicles to the Plan trustees for their consideration and approval (primarily, lowest cost appropriate share class open-end mutual funds, with the small remainder allocated to collective trusts when the internal expenses of the trusts are less than their mutual fund counterparts). We can and do offer advice on stocks, bonds, mutual funds, and ETFs. Additionally, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing. Use of Mutual Funds and Exchange Traded Funds Most, if not all, of the mutual fund we use are available to the public. However, we generally use mutual fund share classes that are not available to the public. A prospective client can obtain many of the funds that may be utilized by Argent Retirement independent of engaging Argent Retirement as an investment advisor. However, if a prospective client determines to do so, they will not receive Argent Retirement’s initial and ongoing investment advisory services and may not have access to the same share classes Argent Retirement would use. In addition to Argent Retirement’s investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Portfolio Activity Argent Retirement has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, Argent Retirement will review client portfolios on an ongoing basis to determine if any changes are recommended based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Argent Retirement determines that recommending changes to a client’s portfolio are neither necessary, nor prudent. Clients nonetheless remain subject to the fees described in Item 5 below during periods of account inactivity. Limitations of Service - No Financial Planning - No Non-Investment Implementation Services Argent Retirement does not provide financial planning or related consulting services regarding non- investment related matters, such as tax and estate planning, insurance, etc. We do not serve as an attorney, accountant, record keeper, pension administrator, or insurance agent, and no portion of our services should be construed as same. Accordingly, we do not prepare estate planning documents, tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Argent Retirement and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not Argent Retirement, shall be responsible for the quality and competency of the services provided. Client Obligations In performing our services, Argent Retirement shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, each client is advised that it remains their responsibility to promptly notify Argent Retirement if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising our previous recommendations and/or services. Investment Risk Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments recommended or undertaken by Argent Retirement) will be profitable or equal any specific performance level(s). Assets Under Management As of December 31, 2023, we provide non-discretionary advisory services to approximately $947,688,692 in retirement plan assets.