Retirement Specialty Group, Inc.

Retirement Specialty Group, Inc. is a registered investment adviser based in Tennessee, established in 2012 and registered in 2021. The firm specializes in providing investment supervisory services, financial planning, and ERISA plan services to various clients, including individuals, high-net-worth individuals, and institutional investors. Clients are required to enter into written agreements with the firm before receiving services, and the firm offers a variety of services tailored to individual needs. The firm may use fundamental and technical analysis in its investment strategies, which include long-term purchases, short-term purchases, trading, margin transactions, and short sales. The firm charges fees for discretionary investment management services negotiated up to 1.80% of assets under management annually. RSG does not charge performance-based fees and does not manage performance-based and non-performance-based accounts simultaneously. The firm does not have a minimum initial investment requirement but reserves the right to decline engagements based on various factors. RSG has disclosed disciplinary information related to a civil enforcement action involving fraudulent promissory notes. The firm does not receive compensation for the sale of securities or other investment products and maintains a Code of Ethics to ensure fair dealing with clients. Clients' accounts are held at third-party custodians, and the firm accepts discretionary authority to manage securities accounts on behalf of clients. RSG does not vote client securities proxies and maintains confidentiality of client information as per the Gramm-Leach-Bliley Act. The firm has implemented practices for disaster recovery and business continuity.