Legal Disclosures

Cambridge Wealth Advisors, LLC, doing business as Cambridge Retirement Partners (“the Adviser”), is a Registered Investment Adviser registered with the U.S. Securities and Exchange Commission (“SEC”) under the Investment Advisers Act of 1940. The Adviser has been appointed as an “investment manager,” as defined in Section 3(38) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), concerning certain assets of the Southeastern Pooled Employer Plan (PEP) (“the Plan”).

As an ERISA §3(38) investment manager, the Adviser has full discretionary authority to:

- Select, monitor, and replace the Plan’s designated investment options.

- Develop and maintain model portfolios and/or qualified default investment alternatives (QDIAs), if applicable.

- Monitor ongoing investment performance and prudence in line with ERISA fiduciary standards.

- Act in accordance with the Investment Policy Statement (“IPS”) adopted by the Plan.

Fiduciary Acknowledgment:

The Adviser recognizes its fiduciary status under ERISA §3(38) regarding the Plan assets over which it has discretionary authority. The Adviser accepts fiduciary responsibility for the prudence of investment decisions made on behalf of the Plan, following ERISA’s standards of care.

Scope of Responsibility:

The Adviser’s discretionary authority is limited to selecting, monitoring, and replacing Plan investment options. The Adviser does not assume responsibility for:

- The selection, monitoring, or oversight of the Pooled Plan Provider (“PPP”) or other service providers.

- Administrative, recordkeeping, custodial, or compliance duties carried out by the PPP or other vendors.

Employer responsibilities include contribution remittance, accurate payroll data, and employee eligibility determinations.

No Guarantee of Outcomes:

The Adviser does not guarantee investment performance or that any investment decision will be profitable. Investments in securities involve risk, including the potential loss of principal. Past performance does not predict future results.

Conflicts of Interest:

The Adviser is compensated through an agreement with the Plan’s Pooled Plan Provider. It does not receive compensation from investment managers, mutual funds, or other investment vehicles used in the Plan lineup unless explicitly disclosed in Form ADV Part 2 or the investment management agreement. The Adviser strives to avoid conflicts of interest and will disclose any material conflicts in writing.

Participant Responsibility:

Participants are responsible for making their own investment decisions among the designated options unless they are defaulted into a QDIA, in accordance with ERISA and Department of Labor regulations. Participants should review all available materials, prospectuses, and disclosures prior to investing.

Regulatory Oversight:

As a Registered Investment Adviser, the Adviser is supervised by the SEC. Disclosures regarding the Adviser’s business, services, fees, and potential conflicts are available in the Adviser’s Form ADV Part 2A and Part 2B, which should be reviewed carefully by visiting https://brokercheck.finra.org/ and using CRD #: 148889.

Acknowledgment of Reliance:

By participating in the Plan, adopting employers acknowledge that the Adviser acts solely as an ERISA §3(38) investment manager with respect to investment selection and monitoring, and that employers retain responsibility for functions not explicitly delegated.