We offer retirement-planning information, education, and asset-allocation investment advice. We offer this in different formats: Investment Education. We offer information, which might include information about a Retirement Plan, general financial and investment information, information about a Retirement Plan’s investment alternatives, and asset-allocation models. Investment Advice. We offer nondiscretionary advice about how an Individual should invest the Individual’s Plan Account. This advice includes an asset-allocation recommendation. Further, our advice might recommend a Fund for each asset class we recommend. Managed Account. We offer a service under which we accept responsibility to decide investments for an Individual’s Plan Account. With Investment Advice, we may offer related implementation services. For example, our AutoAdvice feature lets an Individual give us or another investment or service provider a standing instruction to render the Individual’s Plan investment directions that follow our advice, including updates of it, until the Individual changes or ends the Individual’s instruction. Our service regarding a Plan is governed by our Agreement with the Plan, or with a service provider regarding the Plan. An Agreement may impose restrictions and conditions beyond those described in our Brochure. Only a Plan’s Independent Plan Fiduciary may approve our Agreement. For a Managed Account or Investment Advice, we’re a Fiduciary to the Retirement Plan. For Investment Education, even if we’re not a Fiduciary (as ERISA defines it) to the Retirement Plan, we have fiduciary duties under the Investment Advisers Act. 4.A About Remotiv Many people never get around to retirement planning because of the time, effort, and costs involved. We make retirement-planning services accessible and affordable. What makes us unique is not only the ease- of-use of our services, but also their level of customization. Regardless of age, income, or marital status, we’re here to help a Plan’s Individuals find easy-to-understand solutions to some of today’s most pressing financial concerns. We developed our retirement-readiness and other services to improve a Retirement Plan’s communications to participants, including employees who don’t yet have a Plan Account. We can give an Individual Investment Education about how much to contribute to a Retirement Plan. We can give an Individual Investment Education or Investment Advice about how to improve a Plan Account’s asset allocation. Both kinds of information might help an Individual improve the probability that the Individual’s Plan Account will accumulate enough retirement savings to help the Individual enjoy more financial security for retirement. Remotiv was formed in January 2007, and registered with the SEC in September 2008. Our leaders have experience with other investment-related businesses, mostly about retirement planning. Lee Tupper, our chief information officer, before he joined us had experience with software businesses. For information on the education and business experience of our people involved in forming the investment-advice models we use for our services, see page 26. Although a few persons are Owners, Robert C. Dughi is the only principal (25% or more) Owner. March 27, 2024 Remotiv LLC page 7 of 27 4.B Services we offer This brochure describes services we offer to, for, or about Retirement Plans. Our other brochures describe other services we offer. Remotiv’s retirement-readiness services Our key services are about retirement readiness, showing an Individual how likely it is that one would have enough retirement savings to produce a retirement income (from a combination of sources) that meets a specified ratio in replacing the Individual’s working year’s income. Also, we offer services to guide people about financial wellness. Our Retirement Readiness Analysis provides an Individual with a personalized Retirement Plan review, including this information specific to the Individual’s personal situation:  a personalized retirement wealth target;  an analysis of the Individual’s chances to meet that target;  a shortfall the Individual likely would have at retirement;  specific changes the Individual can make in one’s investment allocation and Retirement Plan contributions that might help reduce or eliminate the Individual’s projected retirement shortfall. Our reports to a Retirement Plan’s Fiduciary can include:  Your average participant;  Retirement Readiness probability analysis;  Contribution rate analysis;  Plan match use analysis;  Employee shortfall/surplus analysis;  Projected income analysis;  Projected income shortfall analysis;  Projected wealth analysis;  Investment risk analysis. We sort these reports by Individuals’ ages, salaries, and other factors. Our asset-allocation education or advice (if provided) is limited to asset classes for which a Plan Account would invest in a Fund (or a Stable-Value Account) that is your Plan’s Designated Investment Alternative. If so provided by our Agreement or as your Plan’s Independent Plan Fiduciary directs us, our asset- allocation education or advice is limited to a specified subset of the Plan’s Designated Investment Alternatives. Our advice about which Fund an Individual should invest in (if more than one Designated Investment Alternative is available for the asset class) is limited to Funds that report information in a form used by our software and service providers. Our Retirement Readiness service can work with any individual-account (defined-contribution) Retirement Plan and any Recordkeeper or third-party administrator. Our program uses a data feed to generate personalized reports for every eligible employee, without requiring an Individual to go online or to input extensive personal information. An Individual (including eligible employees who have not yet made a contribution) receives individualized advice with simple implementation instructions. Making it easy for Individuals improves their use of their Retirement Plan to increase retirement savings. Remotiv’s retiree planning services We offer services to give a retired participant essential guidance to use the Individual’s Plan Account throughout retirement. March 27, 2024 Remotiv LLC page 8 of 27 This service begins with a baseline Retiree Analysis proactively delivered to each Individual identified to us as retired. This analysis includes a personalized investment strategy recommendation with monthly spend-down guidance. The Retiree Analysis urges a retiree to visit our Retiree Portal to tailor the analysis for the Individual’s specific situation. To complete the analysis, we urge a retiree to add “outside” assets and retirement income sources, including:  Social Security,  defined-benefit pensions,  other retirement plans’ accounts,  Individual Retirement Accounts,  investments beyond retirement plans; and for all of these a spouse’s benefits, pensions, accounts, and other investments. A retiree may customize the Individual’s spend-down calculation by adjusting an assumed life expectancy, and by setting a percentage for an intended legacy. A change to the facts or assumptions described above triggers updated calculations on a personalized dashboard. This includes the spend-down matrix, organized

by income source, and a new investment strategy recommendation. Remotiv’s communication hub Our services often use our communication hub. We send personalized messaging electronically from our Remotiv engine to registered users. We target dynamic content, based on information that might include an Individual’s profile, age, salary, contribution rate, Plan account balance, portal usage, and Remotiv RR Score™. These dynamic and engaging messages can be customized and sent as often as the Plan’s Fiduciary directs. Also, our communication hub supports on-demand, custom messaging to support retirement readiness and other Plan communications. Remotiv’s Savings Coaches While our fintech platform offers many innovative features to help Individuals save more for the future they deserve, we also can add a human touch. Our team of Savings Coaches can help an Individual unlock one’s full savings potential, while using all aspects of our services the Plan provides. To educate and motivate employees to take action using our approach to creating behavior change in employees’ savings habits, our Savings Coaches are trained in a wide range of retirement-readiness and holistic savings topics, and in sports and performance psychology principles. Coaching responsibilities can include:  Coaching saving and non-saving employees about the features and benefits of their Retirement Plan;  Assisting employees in the portal registration process and creating personal profiles;  Using our savings and investment guidance to help the Individual maximize retirement outcomes;  Demonstrating ways to improve the Individual’s Remotiv RR Score™;  Presenting how to use the Savings Mindset Coach app (see below);  Delivering retirement-planning seminars and webinars using online tools; and  Coordinating education with Remotiv communication hub (see above) deliverables. Our Savings Coaches do not sell any insurance or investment product. Even for services your Plan arranged, Saving Coaches do not formulate Remotiv’s investment advice; they follow our models. Translation services To help you reach all your Plan’s eligible employees, Remotiv can supply Language Line Services, Inc.’s LanguageLine® real-time interpreting services, if your Agreement provides our Retirement Savings March 27, 2024 Remotiv LLC page 9 of 27 Coaches [see page 8]. You can rest easy knowing your Plan’s Individuals can get the same education and coaching for any of over 200 languages. Many of America’s retirement-services providers and Financial Institutions use LanguageLine’s translation service. To help protect you, our agreement with LanguageLine requires them to keep confidential information they hear in working for us, your Plan, and your Plan’s Individuals. Remotiv’s Savings Mindset Coach app Working with sports and performance psychology principles, Remotiv designed, improves, and maintains a mobile application singularly focused on changing behavior to a savings mindset. Our Savings Mindset Coach (SMC) app uses methods for behavior change that leverage accountability tools, commitment coaching, goal getting, focus training, and group culture participation—concepts known to succeed in improving human performance. Available to Plans and their Individuals, some of the app features include: Savings targets: Each user creates a specific and personal monthly savings plan to identify the Individual’s key areas of focus: Retirement savings, debt repayment, emergency funds, life planning, personal investing, and large-purchase planning. A user sets specific savings targets. Messaging and reminder features can help reinforce a user’s focus on achieving one’s goals. Remotiv RR Score™ integration: For an Individual with access to our retirement-readiness (RR) web portal, our Savings Mindset Coach app offers full integration of web portal metrics into the Individual’s SMC profile. Personalized mindset training tools: Our SMC app asks a user to personalize mindset training tools to create one’s motivation framework. These tools include personal mantras or slogans, imagery, and teammates to help them along the way. Personal reminders: Dynamic push notifications and SMS messages are generated from a user’s mindset toolkit, and delivered systematically to direct a user’s focus to the target behaviors consistently over time. And more: For more information about how we use stories, spending trainers, influencers, and our Retirement Analyzer, visit https://remotiv.com/. 4.C How we tailor our services Which services we provide is set by our Agreement. As long as we can work within the information, software, and data-processing constraints that result from our use of suppliers, we’re willing to tailor our services to meet the preferences that an Independent Plan Fiduciary finds appropriate for its Retirement Plan. We can furnish reports to, and advise, a Plan’s Fiduciary about Individuals’ retirement readiness, about how changes to a Plan’s contributions would affect Individuals’ retirement savings, and about setting a Plan’s Designated Investment Alternatives to make feasible the service we’re engaged for. About a Plan’s investment restrictions and scope for our services We limit our asset-allocation advice or suggestions to Funds that are the Plan’s Designated Investment Alternatives. If we manage a Managed Account, we direct investment only in Funds that are the Plan’s Designated Investment Alternatives. To the extent we suggest particular Investment Alternatives, a Fiduciary may instruct us to:  consider all Designated Investment Alternatives that are Funds;  consider only a specified subset of Funds; or  suggest only specified managed accounts. March 27, 2024 Remotiv LLC page 10 of 27 A Plan’s Fiduciary may direct us to limit our advice to a specified subset of the Plan’s Designated Investment Alternatives. A Plan’s Fiduciary may direct us not to advise or direct investment in a particular Fund, or in a kind of Fund the Fiduciary specifies clearly enough so we can apply its restriction. But if we believe Relevant Law includes Co-Fiduciary Responsibility, we may decline to follow a direction as we consider appropriate for us not to be liable concerning the other Fiduciary’s breach of the other Fiduciary’s responsibility. About an Individual’s investment restrictions If we give advice, an Individual decides whether to follow our advice. If we manage a Managed Account, an Individual may direct us not to invest the Individual’s Plan Account in a particular Fund or in a kind of Fund the Individual specifies clearly enough so we can apply that restriction. But if we believe obeying the Individual’s direction would not excuse us from responsibility, we may decline to follow a direction as we consider appropriate. 4.D Not a wrap-free program None of our services involves a wrap-free program. 4.E Assets under our advice As of the end of 2023, we provide our Investment Advice and Investment Education services for about 423,000 Individuals and IRA Holders with about $21.5 billion. None of this is regulatory assets under management because our nondiscretionary Investment Advice is not “continuous and regular supervisory or management services” as the SEC’s instructions define that phrase.