Pensionmark Financial Group, LLC

World Investment Advisors, LLC, established in March 2015, is a Registered Investment Adviser specializing in providing advisory services to Retirement Plans, including 401(k) Plans, pensions, and profit-sharing plans. The firm acts as a "Co-Fiduciary" under ERISA 3(21)(A) or ERISA 3(38) and offers Wealth Management Services. Investment advice is typically provided on a non-discretionary basis, but discretionary services are available upon request. WIA may recommend the use of managed models organized as Collective Investment Trusts. The firm discloses its fee structure, which is negotiated with each Plan Client and may be based on a percentage of total Plan assets. WIA does not charge performance-based fees and does not have any material disciplinary information. The firm is affiliated with various financial services companies, including Goldman Sachs, and may compensate third-party promoters for client referrals. WIA has custody of client funds for fee debiting purposes and may have discretion over investment selection for certain clients. Clients are responsible for voting proxies on their securities, and WIA maintains strict privacy policies regarding client information. Clients have the option to opt-out of third-party disclosures.