General Information Investor Advisory Group, LLC ("IAG") was formed in 1987 and provides portfolio management, financial planning and general consulting services to its clients. Aspirational Investments, LLC (which is owned by Edward K. Jackson and Julie F. Jackson) and Jones & Company Wealth Advisors, LLC (which is owned by Robert Jones) are the principal owners of IAG. Robert Jones is the active Chief Compliance Officer for IAG. Please see Brochure Supplements, Exhibit A, for more information on the individuals who formulate investment advice and have direct contact with clients. SERVICES PROVIDED At the outset of each client relationship, IAG spends time with the client, asking questions, discussing the client's investment experience and financial circumstances, and reviewing options for the client. Based on its reviews, IAG generally develops with each client:
• a financial outline for the client based on the client's financial circumstances, goals and the risk tolerance level (the "Financial Profile" or "Profile"); and
• the client's investment objectives and guidelines (the "Investment Plan" or "Plan"). The Financial Profile is a reflection of the client's current financial picture and a review of the goals of the client. The Investment Plan outlines the types of investments IAG will recommend on behalf of the client to meet those goals. The Profile and the Plan are discussed regularly with each client, but are not necessarily written documents. Finally, in instances in which IAG provides only limited financial planning or general consulting services, IAG works with the client to prepare an appropriate summary of the specific project(s) with referrals to qualified professionals such as CPAs or attorneys. Financial Planning IAG offers limited financial planning services to those clients in need of such service in conjunction with Portfolio Management services. IAG's limited financial planning services normally address areas such as general cash flow planning, retirement planning, and insurance analysis. The goal of this service is to assess the financial circumstances of the client in order to more effectively develop the client's Investment Plan. Financial planning is not offered as a stand-alone service or for a separate fee, but is typically provided in conjunction with the management of the portfolio. Portfolio Management As described above, at the beginning of a client relationship, IAG meets with the client, gathers information and performs research and analysis as necessary to develop the client's Investment Plan. The Investment Plan is later updated from time to time when requested by the client, or when determined to be necessary or advisable by IAG based on updates to the client's financial or other circumstances. To implement the client's Investment Plan, IAG manages the client's investment portfolio on a non- discretionary basis. Under a non-discretionary arrangement, clients must be contacted prior to the execution of any trade in the account(s) under management unless there is a pre-approved investment plan in place. This may result in a delay in executing recommended trades, which could adversely affect the performance of the portfolio. This delay also normally means the affected account(s) will not be able to participate in block trades, a practice designed to enhance the execution quality, timing and/or cost for all accounts included in the block. In a non-discretionary arrangement, the client retains the responsibility for the final decision on all actions taken with respect to the portfolio. Retirement Plan Advisory Services IAG's provision of retirement plan advisory services is grounded in the understanding that establishing a sound fiduciary governance process is vital to good decision-making and to ensuring that prudent procedural steps are followed in making investment decisions. IAG will provide Retirement Plan consulting services to Plans and Plan Fiduciaries as described below. The particular

services provided will be detailed in the consulting agreement. The appropriate Plan Fiduciary(ies) designated in the Plan documents (e.g., the Plan sponsor or named fiduciary) will (i) make the decision to retain our firm; (ii) agree to the scope of the services that we will provide; and (iii) make the ultimate decision as to accepting any of the recommendations that we may provide. The Plan Fiduciaries are free to seek independent advice about the appropriateness of any recommended services for the Plan. Retirement Plan consulting services may be offered individually or as part of a comprehensive suite of services. The Employee Retirement Income Security Act of 1974 ("ERISA") sets forth rules under which Plan Fiduciaries may retain investment advisers for various types of services with respect to Plan assets. For certain services, IAG will be considered a fiduciary under ERISA. For example, IAG will act as an ERISA § 3(21) fiduciary when providing non-discretionary investment advice to the Plan Fiduciaries by recommending a suite of investments as choices among which Plan Participants may select. With respect to any account for which IAG meets the definition of a fiduciary under Department of Labor rules, IAG acknowledges that both IAG and its Related Persons are acting as fiduciaries. Additional disclosure may be found elsewhere in this Brochure or in the written agreement between IAG and Client. Fiduciary Consulting Services
• Investment Selection Services - IAG will provide Plan Fiduciaries with recommendations of investment options consistent with ERISA section 404(c). Plan Fiduciaries retain responsibility for the final determination of investment options and for compliance with ERISA section 404(c).
• Non-Discretionary Investment Advice - IAG provides Plan Fiduciaries and Plan Participants general, non-discretionary investment advice regarding asset classes and investments.
• Investment Monitoring - IAG will assist in monitoring the plan's investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the investment policy statement and IAG will make recommendations to maintain or remove and replace investment options. The details of this aspect of service will be enumerated in the engagement agreement between the parties. Non-Fiduciary Services
• Participant Education - IAG will provide education services to Plan Participants about general investment principles and the investment alternatives available under the Plan. Education presentations will not take into account the individual circumstances of each Plan Participant and individual recommendations will not be provided unless a Plan Participant separately engages IAG for such services. Plan Participants are responsible for implementing transactions in their own accounts.
• Participant Enrollment - IAG will assist with group enrollment meetings designed to increase retirement Plan participation among employees and investment and financial understanding by the employees. General Consulting In addition to the foregoing services, IAG may provide general consulting services to clients. These services are generally provided on a project basis, and may include, without limitation, planning to determine the minimum cash flow required for certain events such as education expenses or retirement, estate planning analysis, income tax planning analysis and review of a client's insurance portfolio, as well as other matters specific to the client as and when requested by the client and agreed to by IAG. The scope and fees for consulting services will be negotiated with each client at the time of engagement for the applicable project. Assets Under Management As of December 31, 2023, we provide continuous management services for $140,933,246 in client assets on a non-discretionary basis.