Information about RJ20, Inc. and its Services RJ20, Inc. (the "firm") is a North Carolina company formed in 2009. Sean T. Ruehl is the firm’s President and Chief Compliance Officer. Mr. Lyle Finley is majority shareholder and passive owner with no operational authority or access to operational functionalities. RJ20, Inc. is not a subsidiary of, nor does it control, another securities industry entity. The firm was originally approved as an investment adviser in 2009 by the State of North Carolina; later as an SEC applicant in 2012.1 Our firm and its associates may also notice-file/register or meet certain exemptions to registration in other jurisdictions in which we conduct investment advisory business. The firm does not provide asset management services, sponsor or manage wrap fee investment programs, or have discretion or custody over any assets. RJ20 only provides non-discretionary advice to plan participants where it’s up to the participant to act on the advice or not. Corporate Services RJ20, Inc. is an ERISA2 fiduciary to corporate retirement plans under ERISA § 3(21)(A)(ii). Its fiduciary responsibilities are limited to assisting individual participants with the investment of their account balances among investment options made available to them under the plan through non-discretionary advice. The firm also works with non-ERISA corporate retirement plans as well. RJ20, Inc. does not advise plan sponsors on the plan’s investment policy, or the selection or monitoring of investment funds. RJ20, Inc. provides plan participants their own customized 401(k) report outlining (i) a personal assessment of participant’s current retirement savings and investments, (ii) an indication if participant is on track to meet their retirement goals, (iii) suggestions on how to improve the probability of achieving participant’s retirement objectives, and (iv) simple steps participant can take to implement their new strategy. Participants may ask questions electronically and these communications will be serviced by a CERTIFIED FINANCIAL PLANNER™ Professional.3 RJ20, Inc. will also make available an online financial planning website for participants - this is known as the Basic Package. “Wellness Services” RJ20 negotiated with Mark Singer CFP®, Certified Financial Educator (CFEd™), noted author, and President of Safe Harbor Retirement Planning, Inc., to provide a customized financial wellness program, unique and apart from Mark’s standard wellness services, so RJ20 clients could benefit from a customized wellness solution, at a steeply discounted price off Mark’s standard pricing, to better aid RJ20’s participants in improving their probabilities to a more secure financial retirement. RJ20 discloses this wellness service is not it’s own, but is providing it as a convenient accommodation, as a single source provider for retirement plan participants. 1RJ20, Inc. is registered as an Internet Only firm pursuant to SEC Rule 203A-2(e), and operates pursuant to its exemptions, exceptions and restrictions. 2The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for pension plans in private industry. Additional information may be found at http://www.dol.gov. 3Current requirements for those industry professionals attaining the CERTIFIED FINANCIAL PLANNER™ Professional designation may be found at the end of this brochure. Page 4 of 17 Clients who engage RJ20 for services, are not required to buy these

wellness options. Instead, they are available as a convenience, should the client wish to add them to the RJ20 Basic Package. The wellness service is a year-long program with several 4-6 week electronic training programs where participants complete financial assignments geared to improve their finances. They will then receive monthly communications from the wellness provider on relevant topics to keep them engaged and interested in their financial well-being. College Planning Service RJ20 provides access to an online website called My Tuition Score, which allows plan participants that have children intending to go to college, to login and do college planning. As college expenses are one of the largest risks to retirement assets where parents pay too much of their life’s savings to pay for college, RJ20 wanted to have a valuable resource available to assess the likelihood of overpaying for college. Participants can receive a report (like a credit report) with a score showing the level of preparedness to efficiently pay what they should for college, and not more. The website will help them select schools that are more financial-aid generous and will help them save thousands per year or more by identifying schools expected to offer more financial aid for their unique situation. Client Tailored Services and Client Imposed Restrictions The client is asked to provide their information and this data assists the firm in building a financial picture for the particular user. Data provided by the client is important to their plan, however, in performing its services the firm shall not be required to verify any information received from the client and RJ20, Inc. is expressly authorized to rely thereon. The plan will be delivered for viewing over the Internet. The client will be able to save multiple versions of their information and print a copy of each version using portable document format (.pdf). This will enable any client with a printer to print the plan. RJ20, Inc. will always work with a client in helping them find a solution to incorporate our technology and services in a way that blends in well with their business model and needs. The client retains discretion over all implementation decisions and is free to accept or reject any recommendation from RJ20, Inc. General Information RJ20, Inc. will use its best judgment in rendering its services to its clients. The firm cannot warrant or guarantee any particular level of account performance, or that account will be profitable over time. Past performance is not necessarily indicative of future results. Except as may otherwise be provided by law, the firm will not be liable to the client, heirs, or assigns for any loss an account may suffer by reason of an investment decision made or other action taken or omitted in good faith by the firm with that degree of care, skill, prudence and diligence under the circumstances that a prudent person acting in a fiduciary capacity would use; any loss arising from the firm's adherence to the client or their legal agent's direction; or any act or failure to act by a service provider maintaining an account. Page 5 of 17 Notwithstanding the preceding, nothing within the client services agreement is intended to diminish in any way the firm's fiduciary obligation to act in the client's best interest or shall in any way limit or waive any client rights have under federal or state securities laws or the rules promulgated pursuant to those laws.