JHPFS is a Delaware limited liability company founded in 2014. JHPFS’ owner is The Manufacturers Investment Corporation, which is an indirect, wholly owned subsidiary of Manulife Financial Corporation (“MFC”), a diversified international management and holding company with interests in companies that are active in, among other things, financial services and insurance. MFC is a publicly traded company listed on the Toronto Stock Exchange, the New York Stock Exchange, the Stock Exchange of Hong Kong and the Philippine Stock Exchange under the ticker symbol MFC. JHPFS provides discretionary investment management services through a service program (the “John Hancock Personalized Retirement Advice” service or “Retirement Advice Service” or “Service”) as described below. JHPFS and its affiliates also provide discretionary services to other programs that are not described in the brochure. This brochure is limited to the Retirement Advice Service. About The Retirement Advice Service The Retirement Advice Service is a discretionary investment management service offered only to persons residing in the United States who are participants in retirement plans for which John Hancock Retirement Plan Services LLC (“JHRPS”) is the recordkeeper. The Retirement Advice Service invests eligible assets in a fund-specific portfolio. The fund- specific portfolio is developed and maintained based on personalized information provided to the Retirement Advice Service and according to asset allocation and diversification principles. Investment strategies are long term. The Retirement Advice Service is designed for the sole objective of managing a participant’s retirement account for which JHRPS is the recordkeeper and does not provide the participant with a comprehensive financial plan. The Retirement Advice Service does not provide advice with respect to other accounts or financial goals the participant may have. There is no guarantee that the advisory services offered through the Retirement Advice Service will result in the participant’s retirement savings objectives being met. In addition to the management of program assets, the Retirement Advice Service can also provide forecasts and recommendations on the following areas: a) forecasted retirement income estimates based on client’s current situation as well as the proposed strategy; b) recommendations on savings strategies to achieve retirement income goals; c) recommendations on retirement age; and d) guidance on when a client may wish to begin receiving social security benefits. For participants over age 50, the Retirement Advice Service also provides a module which can help guide the participant to evaluate different retirement drawdown strategies. The investment options eligible for inclusion in the fund-specific portfolio for the Retirement Advice Service are limited to those chosen for a participant’s plan by the plan sponsor or the plan’s

fiduciary. These must be investments that can be purchased and sold without restriction by the participant’s employer or the plan’s fiduciary and that the participant has not restricted from the Retirement Advice Service. Employer stock is not eligible for the Retirement Advice Service. Once a participant enrolls, the Retirement Advice Service will manage eligible assets, including future contributions, in the participant’s retirement plan account on a discretionary basis, and the participant will not be able to make any exchanges of eligible assets among investment options within that account or otherwise direct the management of assets. The Retirement Advice Service will determine the eligible assets to be bought or sold, the amount of eligible assets to be bought or sold, and, if applicable, the broker-dealer to be used and the commissions to be paid. If your plan offers Automatic Increase in combination with Retirement Advice, your contribution rate may be increased annually by a percentage determined by your plan's fiduciary, until you reach a rate determined by your plan's fiduciary or the legal limit, whichever is less. A terminated participant who continues to maintain a balance in the retirement plan and remains enrolled in the Retirement Advice Service after terminating from employment will still be enrolled in the service upon rehire. If a participant in this situation and an investment option other than the Service is the retirement plan’s qualified default investment alternative, upon rehire the participant’s future investment election will be changed to the retirement plan’s qualified default investment alternative until the next scheduled quarterly account rebalance. If, however, the Service is the retirement plan’s qualified default investment alternative, upon rehire the Service‘s investment allocation will continue, and the Service will reallocate the participant’s account based on any new information provided by the employer in the next scheduled quarterly account rebalance JHPFS may terminate a participant from the Retirement Advice Service for any reason including not providing JHPFS with information it has requested that is deemed necessary, or appropriate, to manage the participant’s account. A participant may terminate the Retirement Advice Service for his or her account upon three business days’ notice to JHPFS and payment of all outstanding fees to JHPFS. Retirement Advice provides a participant with discretionary investment management services, as described in this Brochure, electronically through the use of a website. A participant should carefully consider whether his or her participation in Retirement Advice is appropriate for his or her confidence and facility in participating in a web-based investment program. Assets Under Management As of December 31, 2023, JHPFS had approximately $1.9 billion under management on a discretionary basis.