Rmas, Inc.

William R. Small Risk Management Advisory Services, Inc. is led by President William R. Small, who has a Bachelor of Science in Accounting from the University of Pennsylvania. With a background spanning various financial roles since 1976, including as President of Risk Management Advisory Services, Inc. since 2001, Mr. Small has no history of disciplinary events. As a fiduciary, Mr. Small oversees all investment advice and conducts regular testing to ensure client objectives are met. Clients may benefit from Mr. Small's affiliations with J. Alden Associates, Incorporated, and other entities, though no client is obligated to use these services. RMAS officers may receive incentive awards, potentially influencing product recommendations. Clients should be aware of potential conflicts of interest arising from additional compensation. Mr. Small may allocate up to 80% of his time to related activities. Clients can rest assured that Mr. Small has not been involved in any events that could compromise his integrity.