Investment Adviser Disclosures

The Retirement IQ Journey is provided by Ideal Retirement Solutions, a registered investment adviser, for educational and informational purposes only. Information presented throughout this application is based on user-provided responses and is intended to facilitate retirement planning discussions and identify topics that may warrant further review. It is not intended as individualized investment advice or as tax, legal, accounting, or insurance advice, and should not be relied upon as a recommendation regarding any security, investment strategy, or financial product.

Participation in the Retirement IQ Journey does not create an advisory relationship with Ideal Retirement Solutions. Advisory services are provided only pursuant to a written advisory agreement. Registration as an investment adviser does not imply a certain level of skill or training.

Please consult your financial, tax, legal, and insurance professionals regarding your individual circumstances.

This report has been prepared exclusively for educational and informational purposes by Ideal Retirement Solutions based upon information voluntarily provided during the Retirement IQ Journey.

The observations, scores, planning insights, and educational content contained in this report are intended to help identify retirement planning topics that may warrant further discussion. They are not personalized investment advice, financial planning advice, tax advice, legal advice, accounting advice, or insurance recommendations.

The Retirement IQ Score and any category-specific scores are proprietary educational benchmarks developed by Ideal Retirement Solutions. They are intended solely as educational planning tools and should not be interpreted as predictions of future investment performance, retirement success, financial outcomes, or the appropriateness of any investment strategy or financial product.

No recommendation regarding any specific investment, security, portfolio allocation, insurance product, or retirement strategy is being made through this report. Any financial decisions should be made only after a comprehensive review of an individual's unique objectives, financial circumstances, risk tolerance, liquidity needs, tax considerations, and other relevant factors.

Information presented in this report is based solely upon information provided by the participant. Ideal Retirement Solutions has not independently verified the accuracy or completeness of such information, and inaccuracies or omissions may materially affect the observations contained herein.

Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.

Ideal Retirement Solutions is a registered investment adviser. Registration does not imply a certain level of skill or training.

If you would like personalized recommendations based upon your unique financial circumstances, schedule a complimentary Retirement Strategy Session with one of our fiduciary advisors.

The Retirement IQ Score is a proprietary educational planning benchmark developed by Ideal Retirement Solutions.

The Retirement IQ Score is designed to help organize retirement planning conversations by evaluating multiple planning categories based solely upon information voluntarily provided during the Retirement IQ Journey.

The Retirement IQ Score is intended to highlight planning opportunities and facilitate discussions with a fiduciary advisor.

The overall score is a weighted average, not a simple average, of the seven planning areas: Retirement Readiness 22%, Income Planning 18%, Tax Planning 15%, Healthcare Planning 15%, Estate Planning 12%, Risk Alignment 10%, Legacy Planning 8%. Because heavier areas count for more, the overall score can sit above or below the plain average of the seven area scores.

The overall score and every planning area use the same labels and thresholds: Strong (80 and above), On Track (65–79), Worth Attention (50–64) and Needs Focus (below 50).

It is not an investment rating, credit score, guarantee, prediction of retirement success, or measurement of future investment performance.

The Retirement IQ Score should be considered one educational resource among many that may assist individuals in evaluating their retirement planning progress.

Ideal Retirement Solutions collects only the information you choose to provide through Florida Retirement IQ — the responses you enter during the Retirement IQ Journey, your account details, and any material you upload to your secure document area.

That information is used to generate your educational materials, to support planning conversations with our team, and to respond to requests you initiate. We do not sell your personal information, and we do not share it with third parties except service providers that operate this platform on our behalf under confidentiality obligations, or where required by law.

Information is transmitted over encrypted connections and stored with access controls that limit visibility to you and authorized personnel of the firm. You may request a copy of the information you have provided, correct it, or request its deletion at any time by contacting us.

Use of Florida Retirement IQ is subject to these terms. The platform is provided for general educational and informational purposes and is made available on an “as is” basis without warranties of any kind, express or implied.

You agree to provide accurate information, to use the platform only for your own personal planning purposes, and not to reproduce, redistribute, or commercially exploit its content. The Retirement IQ Journey, the Retirement IQ Score, and Florida Retirement IQ, together with all related materials, remain the property of Ideal Retirement Solutions.

To the fullest extent permitted by law, Ideal Retirement Solutions is not liable for any decision made in reliance upon educational content presented within the platform. We may modify, suspend, or discontinue any part of the platform, and may update these terms, at any time.

Our Form ADV Part 2A brochure describes the firm's advisory services, fee schedule, business practices, conflicts of interest, and the background of our advisory personnel. A current copy is available at any time upon request and at no charge.

Ideal Retirement Solutions is a registered investment adviser. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by the Securities and Exchange Commission.

You may review the firm's registration, disciplinary history, and filings through the SEC's Investment Adviser Public Disclosure database.