Clear Investment Research is an investment adviser registered with the United States Securities and Exchange Commission (“SEC”) since August 2014 and is a limited liability company (LLC) formed under the laws of the State of Georgia. Joseph Jennings is the Principal. Description of Advisory Services Retirement Consulting Services We offer personalized retirement consulting services to companies offering qualified and non-qualified retirement plans. A detailed description is provided in Item 5, Fees and Compensation, so that clients and prospective clients can review the services and description of fees more thoroughly. Asset Management Services Clear Investment Research, LLC offers asset management services, which involves Clear Investment Research, LLC providing you with continuous and ongoing supervision over your specified accounts. You must appoint our firm as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the Account, and you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting and receive transaction confirmations) of the Account. The Account is managed by us based on your financial situation, investment objectives and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the Account. We will need to obtain certain information from you to determine your financial situation and investment objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance or investment objective and whether you wish to impose or modify existing investment restrictions; however, we will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. We are always reasonably available to consult with you relative to the status of your Account. You have the ability to impose reasonable restrictions on the management of your accounts, including the ability to instruct us not to purchase certain securities. It is important that you understand that we manage investments for other clients and may give them advice or take actions for them or for our personal accounts that is different from the advice we provide to you or actions taken for you. We are not obligated to buy, sell or recommend to you any security or other investment that we may buy, sell or recommend for any other clients or for our own accounts. Conflicts may arise in the allocation of investment opportunities among accounts that we manage. We strive to allocate investment opportunities believed to be appropriate for your account(s) and other accounts advised by our firm among such accounts equitably and consistent with the best interests of all accounts involved. However, there can be no assurance that a particular investment opportunity that comes to our attention will be allocated in any particular manner. If we obtain material, non-public Clear Investment Research, LLC Page 5 Form ADV Part 2A Disclosure Brochure information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no obligation to disclose the information to any client or use it for any client’s benefit. Financial Planning Services Financial Planning Services begin with a data-gathering and analysis of the client’s stated needs, financial goals and objectives,

risk tolerance, age, tax status, net worth, income and other relevant factors. We will request input and information from the client, including financial information in conjunction with past financial history, present financial condition, and investment goals. These may include planning for short-term goals (such as college funding) or for long-term goals (such as retirement planning) or other segments of an investment plan that may be desired. The information gathered for review and assessment may vary, depending upon the individual needs and objectives as stated by the client. Information presented by the client will be deemed reliable and current. The adviser may also request information regarding the utilization of other Advisors (e.g., attorney, accountant, banker, etc.), family background, and other circumstances that may affect the client economically, based upon what information is reported by the client. The Financial Planning Services can be included as a part of the Clear Investment Research Investment Management Service and may involve the creation of capital accumulation or capital distribution plans, a tax plan, and/or tracking the client’s annual savings progress. We may offer comprehensive planning services, or the client may desire advice on certain planning components. We will assist the client with the development and implementation of a comprehensive financial plan. Clear Investment Research can tailor services as desired by the client. When Financial Planning Services only focus on certain areas of client interests, needs or is otherwise limited, clients must understand that a client’s overall financial and investment needs and objectives may not be considered as a result of time and/or service restraints placed on our services. The advice provided may include recommendations for updates and reviews. During the course of the Investment Management engagement, we will remain available to the client for client-initiated updates and annual reviews. Limits Advice to Certain Types of Investments We provide investment advice on any investment product that may be suitable for each client’s specific circumstances, needs, goals and objectives. It is not our typical investment strategy to attempt to time the market, but we may increase cash holdings modestly as deemed appropriate based on your risk tolerance and our expectations of market behavior. We may modify our investment strategy to accommodate special situations such as low basis stock, stock options, legacy holdings, inheritances, closely held businesses, collectibles, or special tax situations. (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more information.) Clear Investment Research, LLC Page 6 Form ADV Part 2A Disclosure Brochure Wrap Fee Programs Clear Investment Research does not offer or participate in wrap fee programs. Clear Investment Research offers asset management services through a traditional fee based program. Clients may elect to pay expenses under a “traditional” payment option meaning that advisory services are provided for a fee but transaction services are billed separately on a per-transaction basis. Tailor Advisory Services to Individual Needs of Clients Our services are always provided based on clients’ specific needs. Clients have the ability to impose restrictions on their accounts, including specific investment selections and sectors. Client Assets Managed by Clear Investment Research As of December 31, 2023, discretionary assets under management were $221,576,588. As of December 31, 2023, non-discretionary assets under management were $5,623,182,802.