Edward Jones

Edward Jones Advisory Solutions® Fund Models Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that were made to this brochure following our prior annual filing on February 14, 2025. • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please see Termination of Advisory Solutions Fund Models Services in Item 4: Services, Fees and Compensation for more information. Item 3: Table of contents Item 1: Cover Page............................................................................................................................... 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Services, Fees and Compensation ....................................................................................... 3 Item 5: Account Requirements and Types of Clients ......................................................................14 Item 6: Advisory Solutions Fund Models Fund Investment Selection and Evaluation ................15 Item 7: Client Information Provided to Edward Jones ....................................................................19 Item 8: Client Contact with Edward Jones ...................................................................................... 20 Item 9: Additional Information .......................................................................................................... 20 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................. 20 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ........................... 21 Item 10: Requirements for State-Registered Advisers .................................................................. 23 Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ................................... 24 Page 2 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation decide if you are comfortable delegating the day-to-day management of your account. Investors in Advisory Solutions Fund Models typically: • Need advice and guidance when making investment decisions • Are at ease with a financial professional making their day-to-day investment decisions • Are willing to follow a disciplined investment strategy • Are comfortable paying monthly, asset-based (percentage) Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Advisory Solutions® Fund Models (“Advisory Solutions Fund Models”), the fees charged for our services and our business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in Advisory Solutions Fund Models. fees for investments and advice rather than individual, transaction-based commissions or sales charges In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately at Edward Jones or through another broker-dealer or investment adviser. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in Advisory Solutions Fund Models may be lower or higher than if you purchased the investments or services separately or through another broker- dealer or investment adviser. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Because Advisory Solutions Fund Models is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Advisory Solutions Fund Models to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Advisory Solutions Fund Models and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. Advisory Solutions Fund Models accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are the amount of trading activity you have in your accounts and the corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account as well as the type of advice you desire. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. Additionally, some of the mutual funds managed by an affiliate of Edward Jones (“affiliated mutual funds”) are only available to be held or purchased in an Edward Jones investment advisory program and are not available to be held or purchased in an Edward Jones Select brokerage account or at another financial institution. Generally, Edward Jones prevents the purchase of certain affiliated mutual funds unless you already hold shares of those mutual funds and transfer them into your Guided Solutions account(s). However, Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. The decision to invest in Advisory Solutions Fund Models is yours. Before making this decision, you and your financial advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. If you decide to invest in Advisory Solutions Fund Models, we will not begin providing you advisory services until (a) our acceptance and approval of a written Client Services Agreement (“CSA”) between you and Edward Jones, and (b) funding of the account at the initial minimum investment as determined by Edward Jones. Advisory Solutions Fund Models Overview Advisory Solutions Fund Models is a wrap fee program in which you can combine multiple investments in a single advisory account. Advisory Solutions Fund Models will invest in various allocations of affiliated mutual funds, unaffiliated mutual funds, Before investing in Advisory Solutions Fund Models, you should Page 3 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com cause a taxable event as well as redemption fees, if applicable. exchange-traded funds (“ETFs”) and unaffiliated money market funds (collectively referred to as “Eligible Investment”). Certain Eligible Investments are only available in taxable accounts. Edward Jones selects the Eligible Investments that are available in Advisory Solutions Fund Models. Edward Jones categorizes these Eligible Investments by investment style, which we refer to as “Asset Allocation Categories.” Based on your selected portfolio objective for your Advisory Solutions Fund Models account (your “Account Portfolio Objective”), Advisory Solutions Fund Models will allocate a portion or percentage of your investments to the Asset Allocation Categories. Asset allocation cannot eliminate risk associated with investing, but it can help to keep your account within your stated risk tolerance range. There is no guarantee that the Eligible Investments will perform in any particular manner. Details about the mutual funds and/or ETFs in your account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF (collectively, “Fund prospectus and other fund documents”). It is important that you read these documents before investing. Investment restrictions may prevent or limit the purchase or continued purchase of certain Eligible Investments. Situations include but are not limited to restrictions that prevent purchases of an Eligible Investment and restrictions that only permit current holders of the Eligible Investment to continue making purchases, subject to parameters set forth by Edward Jones. Account Portfolio Objective. In order to invest in Advisory Solutions Fund Models, you will complete a Client Profile that contains important information about your account, which generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance and other financial information. Your account will invest in one or more affiliated mutual funds, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”) and the Edward Jones Money Market Fund (“Money Market Fund”). Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Your time horizon will reflect the expected time frame over which you plan to invest (and potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. Bridge Builder Funds and the Money Market Fund are affiliated with Edward Jones. The Money Market Fund, however, is not available to purchase as an Eligible Investment for Advisory Solutions Fund Models. However, cash balances awaiting investment or reinvestment in your account will be automatically swept into the Money Market Fund, where they will be held until invested in an Eligible Investment. Please refer to Appendix A for more information about the Money Market Fund. If your account is not assigned to a goal established at Edward Jones, then we will recommend an Account Portfolio Objective for your account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments. If your account is assigned to a goal established at Edward Jones, then we will recommend that you select an Account Portfolio Objective that is appropriate for the portfolio objective you selected for your goal (your “Goal Portfolio Objective”). Your account’s asset allocation may include a cash allocation held in the Money Market Fund through the automatic sweep feature described above and/or invested in a third-party money market fund. In certain instances, such as instances of market volatility or uncertainty, Edward Jones may increase the amount of cash you hold in your portfolio. The portion of your Advisory Solutions Fund Models account that is held in the Money Market Fund or other cash vehicles will be included in the calculation of your Advisory Solutions Fund Models Fee (defined below). You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Account Portfolio Objectives in Advisory Solutions Fund Models currently include: All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your financial advisor if you are interested in learning more about such investments available in Advisory Solutions Fund Models and the associated risk. Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. We can make changes to the list of Eligible Investments at any time and can change the amount of your money that is invested in the different Asset Allocation Categories. We can also add and remove Asset Allocation Categories at any time without prior notice. These additions or removals could result in the purchase or sale of an Eligible Investment in your account. Liquidations may Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it Page 4 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com should have moderate to higher risk. Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. A broader list of Eligible Investments is used to maximize incorporation of these factors while also balancing performance expectations in creating your recommended portfolio. As a result, the performance of your personalized Research Model could be better or worse than a defined Research Model you could otherwise select. Please contact your financial advisor to learn more about personalized Research Models, including their availability. Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. With all Research Models, we can make changes to the Eligible Investments at any time and can change the amount of your money that is invested in the different Asset Allocation Categories at any time without first giving you notice. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. If your account is taxable, changes will cause transactions in the account, and these transactions can have tax consequences. Edward Jones constructs the asset allocation for each Account Portfolio Objective using different target weightings of Asset Allocation Categories, taking into account risk tolerance, time horizon and the purpose of investing funds into Advisory Solutions Fund Models. Edward Jones is solely responsible for determining, and periodically reviewing, the Asset Allocation Category targets and ranges. If you select a Research Model, Edward Jones has ongoing discretion regarding the Eligible Investments, asset allocation and rebalancing of your account pursuant to your chosen Account Portfolio Objective. We can remove and/or add an Eligible Investment(s) to your Research Model at any time without prior notice. If you do not wish to invest in a specific Eligible Investment(s), you must invest in a Custom Model. Further, if Edward Jones retires the Research Model you selected, then Edward Jones will, without prior notice to you, select and implement a replacement Research Model or personalized Research Model for your account. Due to various influences, such as changing market conditions, we may change the asset allocation or target weighting of an Account Portfolio Objective. If we change the asset allocation or target weighting, we will automatically rebalance your account to align with the new asset allocation or target weighting. 2. You invest in a Custom Model and select the Eligible Investments. Once you have selected your Account Portfolio Objective, you select either a Research Model or construct a Custom Model that is consistent with your chosen Account Portfolio Objective. You can choose one of the following two investment options: 1. You invest in a defined or personalized Research Model and give Edward Jones authority to select the Eligible Investments. If you select a Custom Model, you are responsible for choosing Eligible Investments and setting your Asset Allocation Category and target percentages within the ranges that Edward Jones has deemed acceptable for your Account Portfolio Objective. In addition, Edward Jones may, in our sole discretion, implement guidelines and/or restrictions as to the minimum and maximum number of Eligible Investments that can be held in an account at any one time, and the minimum and maximum percentage allocations to those investments held in a Custom Model. Where Edward Jones, in our sole discretion, deems In a Research Model, you give Edward Jones complete control over the management of your account (except for selecting or changing your Account Portfolio Objective). Edward Jones offers two types of Research Models: defined Research Models and personalized Research Models. In both defined Research Models and personalized Research Models, your portfolio will align with the Account Portfolio Objective you select. A defined Research Model is pre-constructed by Edward Jones using Eligible Investments and invests your money into pre- determined percentages (target weightings) across different Asset Allocation Categories. A select list of Eligible Investments is used to construct defined Research Models. appropriate, it may deviate from the weighting ranges within a particular Account Portfolio Objective and create a Custom Model with different weighting ranges that is appropriate for a specific subset of clients within that Account Portfolio Objective. If you elect such a Custom Model, you will be expected to set Asset Allocation Category and Eligible Investments targets within the range that Edward Jones designates for that portfolio, rather than the ranges designated under the Account Portfolio Objective. In a personalized Research Model, Edward Jones considers factors unique to your situation such as your existing assets and their respective characteristics, potential capital gains and losses, and the characteristics of the overall portfolio, as well as portfolio preferences you can select, to create a recommended portfolio from a broader list of Eligible Investments than the Eligible Investments used in defined Research Models and invests your money across different Asset Allocation Categories. Due to various influences, such as changing market conditions, a reclassification of an Eligible Investment to a different Asset Allocation Category or a change in the securities underlying an Eligible Investment, we may change the Asset Allocation Category or Eligible Investment weighting within an Account Portfolio Objective. If such changes conflict with your current investment selections or your chosen Asset Allocation Category or Eligible Investment targets, we will, when possible, Page 5 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Brokerage Services. Advisory Solutions Fund Models trades are typically executed through Edward Jones as a broker-dealer. You cannot request that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. provide you thirty (30) days’ notice to modify your selection. If you do not update your selections within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice, we may trade Eligible Investments within your account, or change your Asset Allocation Category or investment targets, to bring your account back into alignment with your chosen Account Portfolio Objective. If your account is taxable, such changes will cause transactions in the account, and these transactions may have tax consequences. If you select a Custom Model, you may not be able to purchase certain Eligible Investments in your Advisory Solutions Fund account. For example, certain mutual funds that are Eligible Investments may be closed to new accounts. Advisory Solutions Fund Models trades are often aggregated. This means that trades for your account are combined with other client accounts, including accounts for Edward Jones associates, and executed in a single trade or series of trades. Once the trade is executed, it is then allocated to your account in the proper amount. Trade aggregation is done to increase operational efficiencies and allows us to keep trading costs down. If we did not aggregate trades, the Program Fee could potentially be higher. Eligible Investment trades that are aggregated are executed each trading day at times determined by Edward Jones. If an Eligible Investment trade is made after the last designated trade aggregation cutoff time, it will be executed on the next business day. You may not receive the same price as trades executed the prior trading day. As a result, trade aggregation may affect the price you pay for an Eligible Investment in your account. ETF trades will be rounded to the nearest whole share. If there is not sufficient cash or assets invested in a money market fund to cover rounding, Edward Jones is authorized to sell a sufficient amount of assets held in your account to purchase a whole ETF share. Such transactions will be effected without regard to tax consequences. If an Eligible Investment is removed from the list of Eligible Investments for any reason, the Eligible Investment can no longer be held in your account. If we remove an Eligible Investment, we will, when possible, provide you thirty (30) days’ notice and recommend another appropriate Eligible Investment (which may include affiliated mutual funds). You can choose our recommendation or another Eligible Investment from the list of Eligible Investments in the same Asset Allocation Category as the Eligible Investment being removed. If you do not select an appropriate Eligible Investment replacement within 30 days (or such shorter or longer time as may be determined at the discretion of Edward Jones) of such notice, we will liquidate the Eligible Investment being removed and use the recommended Eligible Investment as the replacement. Liquidations may cause a taxable event as well as redemption fees, if applicable. You may have to pay redemption fees to a mutual fund company if those mutual fund shares were held for only a short time. (See below for more information on redemption fees.) Custom Models trades are not aggregated with Research Models trades when we remove an Eligible Investment from the list of Eligible Investments. Because Custom Models are typically given notice and time to select an Eligible Investment replacement other than the recommended Eligible Investment, Custom Models will normally trade after Research Models. As a result, trades placed in the same Eligible Investment may execute at different prices when purchased in Research Models versus Custom Models. In scenarios where an Eligible Investment changes due to fund restructuring, a spinoff, a merger, or something similar, including where such activity involves in-kind purchases or redemptions of Eligible Investments, Edward Jones has the authority to buy, sell, add or remove one or more Eligible Investments in its discretion to appropriately align your account with your selected Account Portfolio Objective and Asset Allocation Categories. This may require liquidating shares of the Eligible Investment(s) experiencing changes and/or purchasing shares of a different Eligible Investment(s). Liquidations may cause a taxable event as well as redemption fees, if applicable. Until such Eligible Investment designated for removal is removed from your account, there is a possibility that additional shares of that Eligible Investment may be purchased. Such purchase(s) may occur in a number of instances including, but not limited to, when assets are added to your account or a rebalancing occurs. The purchase of additional shares of such Eligible Investment and the eventual mandatory removal of such shares may result in a taxable event. The replacement Eligible Investment may be subject to higher internal expenses than the prior investment. Trade Allocation. From time to time, the volume and/or number of trades that must be executed for Advisory Solutions Fund Models accounts may exceed Edward Jones’ operational and technological capacities if these trades are made on a single day. This may occur if Edward Jones is removing an Eligible Investment from the list of Eligible Investments, if a large number of accounts need to be rebalanced, or by request of the manager of an Eligible Investment. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may decide to allocate trades over an extended period of time. This may result in clients receiving different prices during such events. However, Edward Jones’ allocation process is designed to be fair and equitable over time through the use of a random allocation process conducted prior to trade execution. You cannot restrict individual securities in an Advisory Solutions Fund Models account. However, you can choose not to invest in a specific Eligible Investment by investing in a Custom Model. In addition, if the volume or size of redemptions required to be effected as a result of the removal of an Eligible Investment from Page 6 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Objective. Please contact your financial advisor to learn more about the TLH service, including its availability. the list of Eligible Investments or the rebalancing of a large number of accounts exceeds the limits set forth in the Eligible Investment’s trading policies and procedures, the Eligible Investment may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on the allocation process described above to effect the redemptions over time in a manner consistent with the limits set forth in the Eligible Investment’s trading policies and procedures. Trading in Advisory Solutions Fund Models is subject to the trading policies and restrictions determined by Edward Jones. Edward Jones exercises time and price discretion for all trades. TLH Eligibility. The TLH service applies to Eligible Investments in an eligible taxable account (“Eligible TLH Account”) within Advisory Solutions Fund Models. Although there are no required investment minimums for eligibility to elect the TLH service, your Advisory Solutions Fund Models Account that has been designated for the TLH service must continue to meet the minimum requirements to remain in the Advisory Solutions Fund Models program as described in this Brochure. Any authorized account holder may elect the TLH service for an Eligible TLH Account without the authorization of the other joint account holder(s). Similarly, any account holder may opt-out of the TLH service without the authorization of the other joint account holder(s) at any time by contacting their financial advisor. Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. The TLH service will exclude Eligible Investments with missing cost basis information or those Eligible Investments that do not have an alternative Replacement Security to tax loss harvest. Similarly, the TLH service will not be available to accounts that are not active or have certain account-level restrictions in place. Any purchase or sale of Eligible Investments to rebalance your account to the target asset allocation by Edward Jones as part of a model trade will take precedence over the TLH Service. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in there being trades placed between your account and an Edward Jones error account. When using an error account, we engage in principal transactions. This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. TLH Enrollment. The timing of your enrollment will determine when your Eligible TLH Account will be initially reviewed for tax loss harvesting opportunities. Edward Jones does not guarantee that your Eligible TLH Account will be reviewed for tax loss harvesting opportunities in the same calendar quarter that you enroll for the TLH service. You may opt in or opt out of the TLH service at any time by contacting your Financial Advisor. Tax Loss Harvesting. Edward Jones offers the Tax Loss Harvesting (“TLH”) service as an optional service that, if elected, is an addition that is separate to the core management of your account. The TLH service reviews Eligible Investments in certain eligible taxable accounts, on a quarterly basis, for opportunities to realize capital losses. Using trading thresholds, Edward Jones will sell a security with a loss (“Harvestable Security”) and use the proceeds to, in its sole discretion, select and purchase a different security (“Replacement Security”) that will maintain the asset allocation pursuant to your chosen Account Portfolio Objective. TLH Limitations. The TLH service does not consider certain characteristics unique to an investment that may result in changes to an investment’s final cost basis, such as Eligible Investments that have been gifted to you. Additionally, Edward Jones will not take into consideration securities held in other investment advisory or brokerage accounts at Edward Jones (including other Advisory Solutions Fund Models Account(s), if applicable), or other financial institutions (if applicable) when providing the TLH service. Therefore, transactions in other investment advisory or brokerage accounts at Edward Jones or other financial institutions can affect whether a capital loss that is harvested in the Eligible TLH Account will benefit the client. Accordingly, it is the client’s responsibility to monitor any other accounts at Edward Jones or other financial institutions to avoid any wash sales. You should consult your tax and/or legal advisor prior to selecting the TLH service, as well as on an ongoing basis, to determine whether the wash sales rule or other tax rules apply to the trading activity in your Eligible TLH Account or in other investment advisory or brokerage accounts at Edward Jones or other financial institutions, if applicable. TLH Frequency and Implementation. For the account(s) for which you have opted in to the TLH service, we will review Eligible Investments for capital losses on a quarterly basis. In certain The Replacement Security may be any investment that qualifies as an Eligible Investment, even if not currently held in your account, and will have a similar risk profile as the Harvestable Security, as determined in Edward Jones’ sole discretion. Edward Jones’ use of Replacement Securities seeks to avoid triggering a wash sale within the meaning of the Internal Revenue Code of 1986, as amended, and accompanying regulations (“Tax Law”); however, there is no assurance regarding how the Internal Revenue Service (“IRS “) would view these transactions. The wash-sale rule provides that a tax loss will be disallowed if a person buys the same security, a contract or option to buy the security, or a “substantially identical” security, within 30 days before or after the date they sold the loss- generating security (a 61-day period). Once the 61-day wash sale period has expired, Edward Jones will typically sell the Replacement Security, and then reinvest the proceeds back into the Eligible Investments in your account in accordance with your selected Account Portfolio Page 7 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Advisory Solutions Fund Models account may be negatively affected. Please review the Reserve Line Agreement for a discussion of the risks as well as the “Reserve Line Risk” section below before taking a Reserve Line Advance. The Reserve Line Agreement also includes a discussion of the costs of these advances. You will pay interest charges on a Reserve Line Advance to the Lender, which are separate from, and in addition to, the Advisory Solutions Fund Models Fee (defined below) you pay us. Before taking out a Reserve Line Advance, first evaluate the intended duration of the advance and your other options, including alternative loan options or liquidating securities. It is our view that the use of securities-based lending is most appropriate when short in duration. The costs of a Reserve Line Advance, including interest charges, and Advisory Solutions Fund Models Fee may be greater than the income generated by your Advisory Solutions Fund Models account and, as a result, your account’s value may decrease. To the extent that a “Maintenance Call” (as that term is defined in the Reserve Line Agreement) is triggered in connection with your Reserve Line and the Lender instructs us to liquidate any pledged collateral, we will act solely in our capacity as a broker-dealer and not as an investment adviser. circumstances (for example, if market conditions present an opportunity), we may, in our sole discretion, review and/or conduct harvesting more than once in a calendar quarter. Alternatively, we may, in our sole discretion, postpone or not conduct tax loss harvesting if, for instance, market volatility is causing excessive market movement that may impact the results of harvesting or in situations where we determine harvesting is not appropriate. As a result, Edward Jones makes no guarantees regarding the frequency and/or timing of tax loss harvesting and will not be liable for any tax consequences, losses, or missed opportunities arising from our decisions whether to review your account(s) or conduct harvesting. Each TLH service event is pursuant to trading thresholds as established by Edward Jones through its TLH service (which include, but are not limited to minimum trade amounts, minimum loss percentages and maximum portfolio turnover percentages) and are subject to change without notice to the client. The date Edward Jones reviews your Eligible TLH Account for tax loss harvesting opportunities may not align with, or be changed for, market events that may impact, even significantly, the value of the Eligible Investments in your account. Therefore, not all losses will be realized. You will not be notified before tax loss harvesting occurs. Moreover, in causing the liquidation and sale of such pledged collateral to satisfy a Maintenance Call, the Lender will prioritize its interests over your interests. Edward Jones is obligated to adhere to this order of prioritization, as the Securities Intermediary (as that term is defined in the Reserve Line Agreement), thus Edward Jones will address the Lender’s interests before your interests. To learn more about the Reserve Line offering and its availability, please contact your Financial Advisor. Custody. Assets in your account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones, as sub-custodian. As custodians, Edward Jones and EJTC are responsible for: • Safekeeping your funds and securities • Collecting dividends, interest and proceeds from any sales • Disbursing funds from your account Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. You can waive the right to receive certain trade confirmations; however, you will still receive mutual fund and ETF prospectuses, when applicable. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. Edward Jones Reserve Line of Credit. Certain Advisory Solutions Fund Models non-retirement accounts may be eligible to serve as collateral in support of securities-based loans offered by Edward Jones SBL, LLC (the “Lender”), a non-investment adviser, non-bank affiliate of Edward Jones. The securities-based lending offering is called the Edward Jones Reserve Line of Credit (“Reserve Line”). The terms and conditions applicable to the Reserve Line are governed by the Edward Jones Reserve Line of Credit Agreement (“Reserve Line Agreement”) and are not included in this Brochure. Client “Obligations” (as that term is defined in the Reserve Line Agreement) are collateralized by the pledged account and the assets, including securities, within that account. If your Advisory Solutions Fund Models account is used as collateral to take an advance under the Reserve Line (a “Reserve Line Advance”), your account and assets within it are pledged to support your Obligations and you will not be permitted to withdraw securities or funds from your account unless sufficient collateral remains to support your Obligations as required under the Reserve Line Agreement. The availability of the Reserve Line will depend on whether the Lender is authorized to extend credit in the state where you reside, the value of the assets, including securities held in the pledged accounts and the eligibility guidelines set forth in the Reserve Line Agreement. The Lender at its sole discretion may refuse a request for a Reserve Line Advance. Reserve Line Advances may be used for personal and business purposes but may not be used for the purpose of purchasing securities or reducing or retiring any indebtedness incurred to purchase securities. Investment and Trading Discretion. When you decide to invest in Advisory Solutions Fund Models, you will sign a CSA indicating that you agree to all of its terms and conditions. You cannot change or amend the CSA in any way. By signing the CSA, you Before making the decision to take a Reserve Line Advance, it is important you understand the terms and conditions of the Reserve Line Agreement; the risks and costs associated with taking a Reserve Line Advance; and how the performance of your Page 8 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Terminating your CSA at any time; • Liquidating the Eligible Investments in your account if your CSA give Edward Jones discretionary investment and trading authority over your account. You do not give us the authority to choose or change your Account Portfolio Objective. is terminated; • Converting mutual fund shares from an existing share class to a share class available outside of your Advisory Solutions Fund Models account if your CSA is terminated; and • Implementing any reasonable restrictions. The discretionary investment and trading authority you give to Edward Jones to manage your assets on a discretionary basis by buying and selling investments for your account whenever deemed appropriate and without your approval of each transaction, includes but is not limited to: • Selecting the Eligible Investments for your account (except for Custom Models); The discretionary investment and trading authority you give to Edward Jones can be exercised by us at any time and without prior notice to you. • Removing Eligible Investments from the list of Eligible Investments and your account; • Replacing an Eligible Investment in your account with another Termination of Advisory Solutions Fund Models Services. You or Edward Jones may terminate your participation in Advisory Solutions Fund Models at any time without any advisory termination fee. While oral instructions to terminate your participation in Advisory Solutions Fund Models are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Advisory Solutions Fund Models advisory services for your account. recommended Eligible Investment (which may include affiliated mutual funds and unaffiliated mutual funds) (for Custom Models, we will, when possible, provide you thirty (30) days’ notice and recommend a replacement Eligible Investment (which may include affiliated mutual funds or an affiliated SMA). If you do not want to accept the replacement Eligible Investment, you must notify Edward Jones within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice; otherwise, we will select the replacement Eligible Investment for your account; Upon notice of termination of your Advisory Solutions Fund Models services, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to the assets in your account, but you may instruct us to sell the securities or transfer the securities to another Edward Jones account or a third-party account. • Where circumstances require, utilizing an affiliated transition fund, which is a short-term investment vehicle, to facilitate an Eligible Investment replacement. The decision to use a transition fund is solely in our discretion; • Determining the asset allocations and changing an asset allocation at any time; • Adding and removing Asset Allocation Categories, which could In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Advisory Solutions Fund Models account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. result in the purchase or sale of Eligible Investments; • Using discretion as to the time Edward Jones will make a trade in your account and the price we will pay for investments in accordance with our obligation of best execution; • Aggregating trades; • Investing funds and reinvesting all dividends and proceeds earned by your account into Eligible Investments; • Automatically buying and selling Eligible Investments to rebalance your account to the target asset allocation when determined necessary by Edward Jones; In general, Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. When a mutual fund company offers multiple share class options for a mutual fund, and you have instructed us to transfer such mutual fund to an Edward Jones Select brokerage account or you fail to provide instructions and your assets are transferred to a Limited Services Account, as defined below, then Edward Jones will determine, in our sole discretion, what share class to convert your mutual fund holding into when transferring your mutual fund holding to the Edward Jones Select brokerage account or Limited Services Account. Mutual fund share class conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. • Deducting cash or selling money market shares and other assets for Program Fees and deducting the proceeds from your account to pay Edward Jones your Advisory Solutions Fund Models Fee; • Determining the appropriate mutual fund share classes for Advisory Solutions Fund Models, which may not be the lowest- priced share class available in the particular mutual fund; In the event Edward Jones is notified by a receiving firm that a transfer of securities in your Advisory Solutions Fund Models account is being rejected in part or whole by such receiving firm Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm. • Exchanging mutual fund shares into another mutual fund share class; Bridge Builder Funds are only available to be purchased or held by you in Edward Jones’ advisory programs and you may not Page 9 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com unaffiliated mutual funds in your account, have internal fees and expenses that are described in the prospectus of each fund. These internal fees and expenses vary depending on the particular Eligible Investment. The following section explains: • The fees and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Edward Jones direct us to hold or purchase Bridge Builder funds in an Edward Jones Select brokerage account or at another financial institution. Accordingly, any positions in Bridge Builder Funds will be liquidated when you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs. Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Program Fee Taxable gains, taxable losses, redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. If you request the assets in your account to be liquidated, proceeds from the sale of your securities will be available upon settlement of the trades generated to complete the liquidation. Liquidation of securities held in your account may cause a taxable event as well as additional fees and expenses. Every Advisory Solutions Fund Models account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your account aligned with such guidance; periodic performance reporting; custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. The Platform Fee Upon notice of termination, if you fail to instruct Edward Jones as to the disposition of assets in your account, your account’s services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. Platform Fee is charged on accounts enrolled in Advisory Solutions Fund Models for the support and maintenance of accounts on the Edward Jones’ investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for money market funds). Any transactions will be subject to fees, commissions, and sales charges applicable to Edward Jones brokerage accounts. How the Advisory Solutions Fund Models Fee Is Calculated The Advisory Solutions Fund Models Fee is based on the market value of all assets held in your account, including cash, cash equivalents, shares of third-party money market funds and shares of the Money Market Fund. Reserve Line Advances, if any, do not reduce the market value of your account for the purposes of calculating the Advisory Solutions Fund Models Fee. The Advisory Solutions Fund Models Fee is comprised of fees assessed at annual fee rates (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. If you terminate your participation in Advisory Solutions Fund Models and do not instruct us to transfer the assets in your Advisory Solutions Fund Models account to another Edward Jones account that is eligible for the Reserve Line, the Reserve Line (if any) associated with your Advisory Solutions Fund Models account will be terminated by the Lender and all outstanding Obligations will immediately be due and payable. The Lender may instruct us to liquidate securities or assets pledged as collateral (without notice to you) in an amount sufficient to satisfy outstanding Obligations. Edward Jones will act solely in its capacity as Securities Intermediary (as defined in the Reserve Line Agreement) in connection with any such instruction, not as an investment adviser. Please see the Reserve Line Agreement for additional information. The Advisory Solutions Fund Models Fee is charged to your account each month in arrears. If your account is open for part of a month, then your Advisory Solutions Fund Models Fee will be based on the number of days your account was open and invested in the market. The amount you pay is determined by the average daily market value of the assets held in your account for the previous month. Fees Every Advisory Solutions Fund Models account pays asset-based fees (referred to as your “Advisory Solutions Fund Models Fee”). Your Advisory Solutions Fund Models Fee includes a Program Fee and a Platform Fee, less any applicable fee reduction and/or fee offset (as discussed more fully below). In addition to your Advisory Solutions Fund Models Fee, Eligible Investments, including ETFs, affiliated mutual funds and Page 10 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Pricing Groups Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below. Fee Reductions To determine your Program Fee rate and Platform Fee rate, your account may be grouped with your other Edward Jones advisory accounts or the Edward Jones advisory accounts of people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each account can only be in one Pricing Group, and we will disclose to you the accounts making up your Pricing Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: If your Advisory Solutions Fund Models account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the account is active in Advisory Solutions Fund Models. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security or other characteristics of the account activity in the previous Edward Jones account. Ask your financial advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your account in Advisory Solutions Fund Models before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your account. 1. Your single, joint, custodial, owner-only 401(k) plan and IRA accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your financial advisor to group your account with other accounts for the purpose of planning and establishing financial goals, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your financial advisor if you have any questions about your Relationship Group.) If you are selling securities to invest in Advisory Solutions Fund Models but did not purchase them through Edward Jones, you will not receive a fee reduction. 2. Your revocable trust accounts are grouped with your single, Fee Offsets joint, custodial, owner-only 401(k) plan, IRA or other revocable trust accounts if they are registered at the same address and use the same tax ID number for tax reporting. Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. 3. Your association, church, corporation, estate, irrevocable trust, LLC, partnership and sole proprietorship accounts are grouped with other accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of accounts will be grouped with each other but not with other account types. Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the amount received to your account. Additionally, accounts that do not meet the above criteria with your account, but that meet the above criteria with another person’s account in your Pricing Group, will be added to your Pricing Group. Furthermore, if your account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. Please contact your financial advisor if you have questions about your Pricing Group. In addition, the Advisory Solutions Fund Models Fee may be lower than the above stated maximum annual fee rate in the following circumstances: Affiliated Mutual Funds: If your account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, other than the Money Market Fund, consist of Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds. • Either Edward Jones or your financial advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or • You are a member of an active or eligible retired associate’s Pricing Group. Reducing, up to and including a waiver, the Advisory Solutions Fund Models Fee is at the sole discretion of Edward Jones and may result in clients being charged differently for the same or similar services. Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Page 11 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com pursuant to a transfer on death agreement, estate service fees, an account transfer fee and/or an account termination fee. How the Advisory Solutions Fund Models Fee Is Paid Also, the Advisory Solutions Fund Models Fee does not cover the following (if applicable to your account): transfer taxes; electronic fund, wire and other account transfer fees; internal fees and expenses incurred by mutual funds (including affiliated mutual funds) or ETFs purchased for your account, including commissions and other transaction-related charges incurred by any such fund, even if Edward Jones or an affiliate thereof effects these transactions for the fund; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. The Advisory Solutions Fund Models Fee is deducted directly from your account and paid using the cash portion of the portfolio in which you are invested, which may include cash or assets invested in a money market fund. If there is not sufficient cash or assets in the money market fund, we are authorized to sell a sufficient amount of assets to pay the Advisory Solutions Fund Models Fee. If Edward Jones sells assets, this may trigger a rebalance of your account. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time. (See below for more information on redemption fees.) Trades as a result of a liquidation of an Eligible Investment in a taxable account may result in a taxable event. At the sole discretion of Edward Jones, you may be allowed to pay your Advisory Solutions Fund Models Fee from an alternate Edward Jones account. Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Deposits, including interest and dividends, received into your account but not yet invested into Advisory Solutions Fund Models may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate, and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Financial Advisor Compensation Each Eligible Investment (including affiliated mutual funds, if any) has internal management fees and ongoing expenses that are deducted from the Eligible Investment’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many Eligible Investments used in Advisory Solutions Fund Models have different share classes with different fees and expenses. The prospectus for each Eligible Investment will describe the internal fees and expenses. Please refer to Item 6 below for more information regarding the selection of Eligible Investments for Advisory Solutions Fund Models. Internal fees and expenses are in addition to the Advisory Solutions Fund Models Fee described above and vary depending on the particular Eligible Investment. You will not see a separate entry on your account statement showing these fees and expenses. Most financial advisors receive a portion of the Program Fee, though some financial advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the model in which you invest. As a result, your financial advisor does not have a financial incentive to recommend one model over another. Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). The prospectus and SAI will describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Similarly, the fee rate paid to your financial advisor will be the same regardless of the investment advisory program in which you invest. As a result, your financial advisor does not have a financial incentive to recommend Advisory Solutions Fund Models over another investment advisory program. Your financial advisor also will not receive a portion of the Platform Fee. Any internal fees and expenses charged by an Eligible Investment will reduce your account’s overall returns and investment performance. Other Fees and Expenses Not Included in the Advisory Solutions Fund Models Fee The amount of your financial advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of an Advisory Solutions Fund Models account. If you purchased investments through Edward Jones as a broker-dealer, you would pay sales charges or commissions, a portion of which would be paid to your financial advisor. A financial advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the alternative, a financial advisor will typically earn more over time if you invest in Advisory Solutions Fund Models. This creates a financial incentive for your financial advisor to recommend Advisory Solutions Fund Models instead of brokerage services. In addition to the Advisory Solutions Fund Models Fee described above, clients may incur other fees and expenses. You will pay interest charges on a Reserve Line Advance, if applicable, to the Lender, as set forth in the Reserve Line Agreement, which are separate from, and in addition to, the Advisory Solutions Fund Models Fee you pay us. You may pay for other services including, but not limited to, fees to distribute an account Page 12 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com that are appropriate in light of their financial circumstances. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/compensation. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (the “Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Advisory Solutions Fund Models is an investment advisory program offered by Edward Jones. The services provided through Advisory Solutions Fund Models are described in Item 4 above and in Section 1 of the CSA. For a description of the fees that may be directly charged to the Plan in connection with Advisory Solutions Fund Models, refer to Fees in this Item 4 and the Advisory Solutions Fund Models Schedule of Fees. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a discussion of other potential sources of compensation, see Item 9 below. Edward Jones will receive revenue as a result of you taking advances under the Reserve Line, which is based on the amount of the Reserve Line advance. The larger the amount of the Reserve Line Advance, the more revenue Edward Jones receives. In addition, your financial advisor may also receive compensation in connection with Reserve Line Advances depending on the profitability of your financial advisor’s branch. As a result of the foregoing, there is a material conflict of interest between you and us in connection with the Reserve Line, which we address through disclosure in this Brochure and which you are deemed to consent to by taking a Reserve Line Advance. For example, if you take out or maintain a Reserve Line Advance rather than withdraw money from your Advisory Solutions Fund Models account, we retain the Advisory Solutions Fund Models Fee that such assets are otherwise generating and receive revenue from the Lender. The Lender also receives revenue in the form of interest payable on the Reserve Line Advance. Depending on your specific circumstances, including the intended duration of the advance under the Reserve Line and the return on your account, over the long term it may cost you more to take out the Reserve Line Advance than if you had pursued an alternative financing option or liquidated securities and withdrawn the sale proceeds from your account. You are responsible for determining whether a Reserve Line is appropriate for your liquidity needs, the acceptability of the lending terms, and potential adverse tax or other consequences for you. You are encouraged to carefully consider the total cost of taking out an advance under the Reserve Line, and any additional compensation to us or your financial advisor or the Lender, when determining to take out and/or maintain a Reserve Line Advance. For a discussion of termination fees that may apply see “Termination of Advisory Solutions Fund Models Services” and “Other Fees and Expenses Not Included in the Advisory Solutions Fund Models Fee” in this Item 4. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Comparing Costs, Expenses and Services The Program Fee, as well as assets under care and Reserve Line Advance balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client Reserve Line Advance balances may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). Most financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Your Advisory Solutions Fund Models Fee is a fee for investment advisory, brokerage and custody services as described above under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “Platform Fee.” Advisory Solutions Fund Models may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your account, the amount of cash in your account, and the trading activity in your account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services You can choose to forgo the services of Advisory Solutions Fund Models and buy and sell securities through Edward Jones as a broker-dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits Page 13 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com of the program described in this Brochure). Edward Jones can prohibit any person or entity from investing or remaining in Advisory Solutions Fund Models for any reason, including if we do not believe it is an appropriate investment strategy for that person or entity. As a general rule, you should not invest in Advisory Solutions Fund Models if you want to actively trade in mutual funds and/or ETFs or have a time horizon shorter than three (3) years. We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. Copies are available from your financial advisor upon request of our CRS is available at www.edwardjones.com/regbidisclosures, as well as a copy of our educational resource the “Making Good Choices” brochure. Item 5: Account Requirements and Types of Clients You may add or withdraw funds from your account upon request. Additions and withdrawals from your account may result in Edward Jones selling or purchasing assets in your account in accordance with your model and in a manner that attempts to minimize variations in the asset allocation and target weightings within your account. If using personalized Research Models, Edward Jones will evaluate the factors unique to your personal portfolio, which can include potential tax consequences or your account’s alignment to certain asset allocations or target weightings, to determine what securities will be purchased or sold when you add or withdraw funds. If after your Advisory Solutions Fund Models account is opened and activated you subsequently transfer in shares of mutual funds that are current Eligible Investments but in a different share class from the share class used in Advisory Solutions Fund Models, these shares will be liquidated upon transfer into your account and the funds invested in accordance with your model. This may cause a taxable event in your account, and we cannot guarantee that you will not owe taxes as a result of the liquidation. For more information about share classes, please refer to the Risk of Loss section below. Your initial investment in an Advisory Solutions Fund Models account generally must be at least $25,000. You can initially fund your Advisory Solutions Fund Models account with cash and/or securities. If your account is a Benefit Plans account or a traditional or Roth IRA account, all initial incoming securities may be liquidated and the proceeds, along with any other incoming cash, will be invested in your Research or Custom Model. For all other account types (“taxable accounts”), if you initially transfer securities into your Advisory Solutions Fund Models account and those securities are Eligible Investments within your Research or Custom Model, you authorize and direct Edward Jones to: (a) convert some or all shares of current Eligible Investments to a different share class used in Advisory Solutions Fund Models, and/or (b) liquidate some or all shares of current Eligible Investments. Conversions could result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Liquidations depend upon factors such as the type and values of the securities you transfer in and the type and values required by your Research or Custom Model at the time of the transfer. Any securities you transfer into your account that are not Eligible Investments within your Research or Custom Model will be liquidated and the proceeds invested as described above. The total value of your account is monitored by Edward Jones. If the value of your account falls below the initial investment minimum, we may, in our discretion, remove your account from Advisory Solutions Fund Models. All liquidations and redemptions of securities will be made as promptly as practicable without regard to tax consequences or redemption fees that may be assessed on the liquidation or redemption of those securities. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. The proceeds will be invested in your Research or Custom Model. We will not provide advice and/ or guidance regarding the securities being sold to fund the Advisory Solutions Fund Models account. Trades that occur in a taxable account will result in a taxable event to you. Please consult with your tax professional. Mutual fund shares held in your Advisory Solutions Fund Models account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into Advisory Solutions Fund Models is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into Advisory Solutions Fund Models. Assets in your Advisory Solutions Fund Models account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. Edward Jones offers clients a wide range of financial services. Advisory Solutions Fund Models may not be appropriate for every client or every account type. Generally, Advisory Solutions Fund Models is available only to residents or entities of the United States and certain U.S. territories with the following types of accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs; and Benefit Plans. Benefit Plans (individually, “Benefit Plan”) include pension or other employee benefit plans governed by ERISA, a tax-qualified retirement plan (including a Keogh plan, an Edward Jones-sponsored Owner K® plan or a “single owner 401(k)” plan in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), Savings Incentive Match Plan for Employees (“SIMPLE”) IRAs, Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other applicable retirement plans. If you request a transfer of securities from your Advisory Fund Models account to another Edward Jones account or a third-party account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share Page 14 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com class. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Advisory Solutions Fund Models account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions may result in higher fees and expenses and negatively affect investment performance and liquidations may cause a taxable event. funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other Eligible Investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. Edward Jones continually reviews Eligible Investments (other than affiliated mutual funds) to ensure they remain suitable for the list of Eligible Investments. An Eligible Investment can be removed from the list for a variety of reasons, including, but not limited to, the following: • A significant change to a fund’s investment team • A major shift in the fund’s investment process • A drift away from a fund’s stated investment style Affiliated mutual funds may not be held outside of your Edward Jones investment advisory and/or brokerage account. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. Similarly, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. Liquidations of an affiliated mutual fund in a taxable account may result in a taxable event. • An alternate Eligible Investment that has been identified within the same Asset Allocation Category • A change in Edward Jones’ guidance and/or outlook Item 6: Advisory Solutions Fund Models Fund Investment Selection and Evaluation • A decision by Edward Jones to reduce our ownership level of a fund Advisory Solutions Fund Models is a wrap fee program sponsored by Edward Jones. Edward Jones-supervised persons serve as portfolio managers for Research Models in Advisory Solutions Fund Models. See Item 4 above for a description of our advisory services. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Affiliated mutual funds generally will not be removed from the list of Eligible Investments. However, as multi-manager funds, the above events would likely cause the affiliated investment adviser to select a replacement sub-adviser, subject to the terms and conditions of the prospectus. The affiliated investment adviser may also reallocate the fund’s assets or change the weightings among the remaining sub-advisers at its discretion. The affiliated investment adviser and the affiliated mutual funds have received an exemptive order from the SEC that allows sub-advisers to be appointed without a vote of the shareholders of the affiliated mutual fund. Methods of Analysis, Investment Strategies and Risk of Loss Edward Jones selects the Eligible Investments available in Advisory Solutions Fund Models based on several factors. The selection process starts with the universe of applicable funds, including affiliated and unaffiliated mutual funds, ETFs and unaffiliated money market funds. Numerous quantitative (investment history, past performance, portfolio analysis of the individual holdings in the mutual fund, etc.) and qualitative (investment strategy, process, personnel, etc.) factors are applied in selecting and monitoring Eligible Investments. The selection and monitoring processes take into consideration a variety of factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. Update Pending Status. Edward Jones can place an Eligible Investment (other than an affiliated mutual fund) on “Update Pending” status. Update Pending is an interim status indicating there is some type of important news or issue involving the Eligible Investment. Once the significance of the news or issue is assessed, we will remove the Update Pending status and either: (1) keep the Eligible Investment on the list of Eligible Investments, or (2) remove the Eligible Investment from the list of Eligible Investments. You will not be notified that an Eligible Investment is in Update Pending status, and your account will continue to hold the Eligible Investment through the Update Pending period. This process will not apply to affiliated mutual funds. The processes we use to select and monitor affiliated mutual funds are different from the processes we apply to unaffiliated mutual funds and other Eligible Investments. In selecting and monitoring sub-advisers for our affiliated mutual The appropriate asset allocation ranges for each Account Portfolio Objective are based on the Edward Jones Investment Pyramid. Target allocations for each Research Model are established within the asset allocation ranges set by us. Eligible Page 15 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Investments are chosen to represent the Asset Allocation Categories and investment styles within each model. In the case of the affiliated mutual funds, sub-advisers are chosen based on due diligence. The overall asset allocation and target weightings within each model are monitored for changes to the Eligible Investments or sub-advisers as deemed necessary. Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while entire segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time.. Rebalancing. Depending on market volatility, the asset allocations set for your portfolio will sometimes get out of balance. Different Asset Allocation Categories will perform better than others, resulting in an asset allocation that may have more or less risk than you may want. In order to keep your account in line with your risk tolerance and Account Portfolio Objective, your account will be automatically rebalanced if the Eligible Investments comprising your portfolio have deviated too far from the target asset allocations. Rebalancing will occur if either Eligible Investments or Asset Allocation Categories are out of balance by an amount or for a time period determined by Edward Jones. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks depending on its investments and investment strategy. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The Fund prospectus and other fund documents describe the risks specific to the fund. Rebalancing is achieved by buying, redeeming or selling shares of Eligible Investments, which may include affiliated mutual funds, until the asset allocation in your account is in alignment with the target asset allocation of the Account Portfolio Objective. We may also rebalance your account if an Eligible Investment is removed from the list of Eligible Investments or, if you are invested in a Research Model, an Eligible Investment is added to the Research Model. As a result, your account may be reallocated, in whole or in part, from unaffiliated mutual funds and/or ETFs into affiliated mutual funds. Rebalancing trades are subject to certain dollar minimums as determined by Edward Jones. You will not be notified before a rebalance occurs. Asset allocation and rebalancing strategies do not guarantee a profit or protect against loss. Rebalancing trades in a taxable account may result in a taxable event to you. Consult with your tax professional before you invest in Advisory Solutions Fund Models. Share Classes. Unaffiliated mutual funds used in Advisory Solutions Fund Models can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. The objective of investing in a variety of Eligible Investments in various types of Asset Allocation Categories in different percentages is to construct a portfolio designed to experience less volatility and show more consistent performance over time. There is no guarantee that this goal will be achieved. Edward Jones considers several factors when selecting a mutual fund share class for Advisory Solutions Fund Models, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Risk of Loss All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Clients should not assume they will be invested in the share class with the lowest expense ratio. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. Edward Jones generally attempts to select institutional and/or advisory share classes for Advisory Solutions Fund Models, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in Advisory Solutions Fund Models, Each Eligible Investment will also fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives, strategies, risks, fees and expenses, and past performance of each Eligible Investment before deciding to invest in Advisory Solutions Fund Models. A prospectus containing this and other information about each Eligible Investment can be obtained from your financial advisor. Page 16 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com fluctuate, and you could lose money. the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b 1 fees for shares held in your account, we will credit the amount received to your account as a fee offset. Please refer to the appropriate prospectus and SAI for more information regarding the available share classes of mutual funds used in Advisory Solutions Fund Models. In our sole discretion, Edward Jones can change the share class of any Eligible Investment at any time without prior notice to you. Redemptions from Eligible Investments. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are Eligible Investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, removes a mutual fund from the list of Eligible Investments. If the volume or size of redemptions required to be effected as a result of the removal of a mutual fund from the list of Eligible Investments exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in accounts experiencing increased risk of loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to reduce the likelihood of an in-kind redemption and will take steps to minimize potential adverse consequences to you, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Each Fund’s prospectus and other fund documents describe the risks specific to the fund. Reserve Line Risk. Our financial advisors provide information and education regarding the availability of the Reserve Line. However, you decide whether to take Reserve Line Advances and you decide when and how to pay back any such advances. There are certain risks and conflicts of interest that arise when you take a Reserve Line Advance, including (i) the interest rate charged by the Lender in connection with the Reserve Line Advance may be higher than those charged by other lenders for financing and is in addition to the Advisory Solutions Models Fee; (ii) the Lender is permitted to modify its collateral maintenance requirements at any time and without providing advance written notice to you; (iii) the Lender may require additional collateral or that you repay all or a portion of a Reserve Line Advance if there is a decline in the market value of the securities in the account that was pledged as collateral; (iv) the Lender can instruct us to liquidate any and all of the securities in your pledged account to satisfy a Maintenance Call without notice to you (even if the Lender has already notified you and provided a date by which you can meet a Maintenance Call); (v) you are not entitled to an extension of time on a Maintenance Call; (vi) to satisfy a Maintenance Call, Lender may instruct us to liquidate any or all of the securities in a pledged account that we would otherwise not recommend you sell and that may not otherwise be in your best interest to sell; (vii) liquidation of securities to satisfy a Maintenance Call could result in your account being out of alignment with your portfolio objective and result in other securities being sold to bring your account back into alignment with your Account Portfolio Objective; (viii) the liquidation of securities to satisfy a Maintenance Call could have adverse tax consequences to you; (ix) you are not entitled to select which securities in a pledged account are liquidated to satisfy a Maintenance Call and Lender can instruct us to liquidate securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences; (x) depending on market conditions, the prices obtained for the liquidated securities may be less than favorable and may be less than the value that we or you believe the securities are worth and may negatively impact the performance of your account and interrupt your investment strategy; (xi) the timing of securities sales in connection with a Maintenance Call will be different than if those securities were not used as collateral in connection with the Reserve Line; (xii) a situation could arise where the value of your account is zero and you still owe money on a Reserve Line Advance; (xiii) we will act as a broker-dealer, and not as an investment adviser, in connection with a Maintenance Call (and our lending affiliate will act as a lender), which may be in conflict with your best interest and our role as an investment adviser to your Advisory Solutions Fund Models account; and (xiv) you will still be responsible for any deficiency if the value of the assets liquidated is insufficient to satisfy your obligations to the Lender under the Reserve Line. Please see the Reserve Line Agreement for a discussion of risks related to utilizing the Reserve Line. Any action taken by us in connection with a Maintenance Call will not constitute a breach of our fiduciary duties as an investment adviser. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may Page 17 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com > edwardjones.com Tax Loss Harvesting Risks. Tax loss harvesting involves unique risks and you should carefully consider whether such risks are right for your individual situation before participating in the TLH service. Some material risks of participating in the TLH service include, but are not limited to, the following: • Taxes. There is no guarantee that the TLH service will reduce, replacement shares, the loss would be deferred or, in some cases, disallowed entirely. Specifically, a taxpayer cannot avoid the wash sales rule by selling an investment at a loss in a taxable account and then buying it back in a tax-advantaged account. Also, the IRS takes the position that a security sold by one spouse at a loss and purchased within Wash Sale Period by the other spouse is a wash sale. defer or eliminate your tax liability in any given tax year. Furthermore, there is no guarantee that an investment sold as a Harvestable Security will settle at a loss. Factors, including but not limited to, market volatility and/or movement or an adjusted cost basis at trade settlement, can result in the Harvestable Security settling at no loss or at a gain to you. Losses carried forward from a tax year come with the possibility that they may not be used efficiently or at all in future years, thereby decreasing or eliminating the value of the TLH service with respect to such carried forward losses. Edward Jones is not providing tax advice by offering the TLH service and assumes no responsibility for any tax consequences associated with the TLH service. Edward Jones will typically sell the Replacement Security, and then reinvest proceeds from the Replacement Security back into the account in accordance with the client’s selected Account Portfolio Objective after a 31-day period. However, Edward Jones cannot guarantee that Wash Sales will not occur in a client’s Eligible TLH Account(s). For example, if securities need to be sold during the Wash Sale Period to provide funds for a withdrawal, those sales will take place even if they will result in a wash sale. Similarly, any sales or purchases of the Harvestable Security during the Wash Sale Period (for example, in connection with a rebalancing event or a dividend reinvestment) may also cause a Wash Sale. Both scenarios affect whether a loss that is harvested in the Eligible TLH Account will benefit the client. Any deposits, including interest, received in the client’s account during the Wash Sale Period will be invested into the account’s Eligible Investments in accordance with the client’s selected Account Portfolio Objective. The client’s use of Edward Jones’ TLH service is subject to current tax provisions. These provisions are complex, and interpretation and enforceability thereof may change and render the TLH service ineffective and may pose additional unforeseen risks to the client. It is important to note that consequences of enrolling in the TLH service are complex, uncertain and may be challenged by the IRS or any other tax authority resulting in adverse tax consequences. In addition, there may be potential tax considerations and consequences relating to state or local tax, federal tax rules applicable to entities, estate taxes, or gift taxes implicated when utilizing the TLH service. For these reasons, you should discuss such risks and responsibilities with your tax and/or legal professional(s) before opting into the TLH service. Edward Jones will not monitor for Wash Sales across two or more of a client’s Eligible TLH Accounts, non-Eligible TLH Accounts within the Advisory Solutions Fund Models program, in other investment advisory or brokerage accounts held at Edward Jones or another financial institution. It is the client’s sole responsibility to monitor and report Wash Sales in accordance with current tax provisions across other Eligible TLH Account(s), other investment advisory or brokerage accounts at Edward Jones or other financial institutions. In addition, state and local tax laws may differ from federal law in material ways. There is limited guidance governing whether an ETF is “substantially identical” to another ETF, or whether a mutual fund is “substantially identical” to another mutual fund for purposes of the wash sales rule. Accordingly, there can be no assurance regarding how the IRS would view the exchange of one fund for another. Ultimately, it is your responsibility to accurately report on your tax return your capital gains and losses realized during the year and Wash Sales occurring across all accounts held at Edward Jones and other financial institutions. • Suitability. The TLH service is not suitable for all clients, and each client must determine whether use of the TLH service is appropriate after considering all pertinent factors, including but not limited to, the client’s current and future tax profile, investment activity and objectives, the number and type of investment accounts, planned future activity such as anticipated withdrawals, holdings periods, state of residence, and personal circumstances. Clients maintain the sole responsibility for determining the appropriateness and benefit of the TLH service notwithstanding any advice or guidance from Edward Jones or its Financial Advisors. As noted above, there is no guarantee that the TLH service will reduce, defer, or eliminate taxes. • Wash Sales Limitations. Pursuant to the wash sales rule, a • Trading and Performance. When we identify a Harvestable Security for sale pursuant to the TLH service, we expect the Replacement Security to have similar performance and risk exposure as the Harvestable Security. However, a Replacement Security can vary in performance and risk exposure from the Harvestable Security. As a result, we cannot make any guarantees regarding the actual performance of the Replacement Security. For example, a new ETF (Replacement Security) may perform better or worse than the original ETF (Harvestable Security) that was sold for tax loss harvesting purposes. taxpayer cannot deduct any loss on the sale or other disposition of an investment if the taxpayer (or a related party) acquires a substantially identical security (“Wash Sale”) within a 30-day period before and 30-day period after the date of such sale (“Wash Sale Period”). If a Wash Sale occurs on the sale of a loss security, the loss is deferred such that the client cannot currently use the loss to offset gains or in certain cases reduce taxable income. If you acquire substantially identical Page 18 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  > edwardjones.com the portfolio manager in Research Models described in the Advisory Solutions Unified Managed Account (UMA) Models Brochure. Additionally, use of the TLH service will likely result in more frequent trading and the Replacement Security may have higher internal management fees and ongoing expenses. Accordingly, the risk and return of any Replacement Security cannot be guaranteed and may result in additional losses. We also act as an investment adviser in other advisory programs for which we provide different services. Additional information is available at www.edwardjones.com/advisorybrochures. In limited instances, due to market movement, the security identified to be sold for a loss will be sold at a gain. The sale of a replacement security with a capital gain will result in either a reduction of the capital loss from the sale of the Harvestable Security or, in certain circumstances, a net capital gain. The use of the TLH service may also cause certain dividends that would otherwise qualify for the reduced rates on qualified dividend income to not qualify due to a failure by the client to satisfy certain holding period requirements with respect to the underlying security. • ESG Dilution. If you have selected mutual funds and ETFs that use ESG or values-based strategies, electing the TLH service may cause those ESG holdings to be diluted or sold. Voting Client Securities As a registered investment adviser, Edward Jones can vote proxies for clients in accordance with applicable law and has a fiduciary duty to vote those proxies in a timely manner and in our clients’ best interests, even if our clients’ best interest is in conflict with our interests. Edward Jones votes Eligible Investment proxies for all Advisory Solutions Fund Models accounts (except Benefit Plans accounts) unless the client specifically retains the right to vote proxies. If you transfer non-Eligible Investment investments to open or fund an Advisory Solutions Fund Models account, Edward Jones may also vote proxies for those securities if the date of record occurs before the securities are liquidated. When you invest in Advisory Solutions Fund Models, you delegate the right to vote on these securities to Edward Jones and cannot direct or recommend how we will vote. By delegating proxy authority, you also authorize us to receive all proxy-related materials, annual and semi-annual reports, and other shareholder materials, including corporate actions, arising from any Eligible Investments or other securities in the account. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Edward Jones has hired an independent third-party proxy voting service to assist us in evaluating and voting proxies in a way that follows our adopted policies and guidelines. We have established policies and procedures that are intended to ensure that proxies are voted in a manner that is consistent with our clients’ best interest. Further, certain independent shareholder rights available to you as an individual may not be exercised or effectuated when you delegate proxy authority to Edward Jones. For more information, you can receive a copy of proxy-related materials, Edward Jones’ proxy voting policy and procedures, voting guidelines and/or proxy voting record by submitting a written request to: Edward Jones, Attention: Investment Advisory, 12555 Manchester Road, St. Louis, MO 63131. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. Benefit Plans accounts, for which we will not vote proxies, and those clients who wish to retain their right to vote proxies will then continue to receive all materials and notices from Edward Jones or the applicable mutual fund company, and will be responsible for voting on the issues that the fund companies raise. We will not provide recommendations or advice on how to vote on these issues. Tailoring Advisory Services to Clients See Item 4 above for a description of how we tailor our advisory services to you and how you can impose restrictions on investing in certain securities or types of securities by investing in a Custom Model. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any Eligible Investments or other assets held in your account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, class action lawsuit and/or bankruptcy. However, Edward Jones will promptly forward any such documents to you. Wrap Fee Programs We act as both the wrap fee program sponsor and the portfolio manager in Research Models described in this Brochure. We receive the Advisory Solutions Fund Models Fee as described in Item 4. We also act as both the wrap fee program sponsor and Page 19 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  > edwardjones.com Item 7: Client Information Provided to Edward Jones Client information provided to Edward Jones will be maintained in accordance with our privacy policies. during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Over time, your financial goals and objectives may change. Accordingly, you and your financial advisor must perform an annual review, as set forth in Item 9B below. Item 8: Client Contact with Edward Jones You may contact your Edward Jones financial advisor during normal business hours with questions regarding your account. Item 9: Additional Information A. Disciplinary Information and Other Financial State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Industry Activities and Affiliations Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary Page 20 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com > edwardjones.com fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Advisory Solutions Fund Models and other Edward Jones programs. For additional information about this arrangement, please see Item 4. Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for you and other clients outside of Advisory Solutions Fund Models, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families or sub- advisers that also provide products or services in Advisory Solutions Fund Models. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when selecting Eligible Investments and/or sub-advisers. Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub- adviser be selected to manage the affiliated mutual funds. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing on assets held in Advisory Solutions Fund Models accounts. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Advisory Solutions Fund Models. • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. receive as a result of their employment with Edward Jones Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to the Eligible Investments, including Asset Page 21 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com > edwardjones.com understanding of Advisory Solutions Fund Models, including the fees and expenses you are or will be paying. While you are invested in Advisory Solutions Fund Models, we provide ongoing monitoring, including an annual review. The Asset Allocation Category established for your Account Portfolio Objective is monitored on an ongoing basis and rebalanced according to Edward Jones’ guidelines. (For more information, please refer to “Rebalancing.”) Allocation Categories. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. You will receive a written account statement at least quarterly (monthly in months in which activity occurs in your account) containing a description of all activity in your account during the period, including all transactions, contributions, withdrawals, fees and the value of your account at the beginning and end of the period. As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in Advisory Solutions Fund Models buy securities that are also available in Advisory Solutions Fund Models. These brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. Our supervision and monitoring do not substitute for your own continued review and monitoring of your account and performance of your investments. You should review performance reports, trade confirmations (as applicable), account statements and other information we send to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. At least annually, you and your financial advisor should discuss any changes to your financial situation, investment objectives and/or risk tolerance, and whether you would like to impose any reasonable investment restrictions on your account. If you decide to pursue a different Account Portfolio Objective, your account may be rebalanced to match your new Account Portfolio Objective. You should know that financial advisors, Edward Jones associates (including those directly involved with Advisory Solutions Fund Models) and/or their family members are permitted to and do invest in Advisory Solutions Fund Models. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before our clients and receive a better price on a security. To address this potential conflict, trades for financial advisors, Edward Jones associates (including those directly involved with Advisory Solutions Fund Models) and/ or their family members are aggregated along with other trades, which may include trades for your account. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Advisory Solutions Fund Models Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones Review of Accounts At the time your Advisory Solutions Fund Models account is opened, Edward Jones’ supervisory associates will review your selected Account Portfolio Objective to confirm it is appropriate based on considerations such as your net worth, risk tolerance, time horizon and/or Goal Portfolio Objective (if applicable). The funding of your Advisory Solutions Fund Models account will also be reviewed. If you have sold investments purchased at Edward Jones in order to fund the account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your Page 22 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Certain unaffiliated mutual fund companies and/or ETF sponsors on the list of Eligible Investments (or their investment advisers) pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of Eligible Investments or the selection of a sub-adviser for affiliated mutual funds. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which Eligible Investment to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Page 23 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds For any Advisory Solutions Fund Models account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Edward Jones Money Market Fund. Your Advisory Solutions Fund Models account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. Bridge Builder Mutual Funds. Your Advisory Solutions Fund Models account may from time to time be invested in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub-advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable accounts. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that our clients maintain in the Money Market Fund. Page 24 of 24 IAS-3936AC-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Advisory Solutions® Unified Managed Account (UMA) Models Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we”, “us”, “our” or “its”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo. sec.gov. PAGE 1 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure following our prior annual filing on February 14, 2025. • On May 2, 2025 we updated the brochure to reflect the introduction of Alternative Investment Services Pilot that will be available in our Custom Models to certain eligible program participants. For more information on these new services, including what asset types are included, eligibility requirements, and the ongoing treatment and management of such asset types, please refer to Item 4: Services, Fees and Compensation for more information. • On January 2, 2026 we updated the brochure to reflect that Edward Jones is assuming the role of overlay manager from Natixis Advisors, LLC. For more information on the services associated with the role of overlay manager, please refer to Item 4: Services, Fees and Compensation for more information. • On January 2, 2026 we updated the brochure to reflect a new pilot for models that are developed by qualifying Edward Jones financial advisors. For more information on this pilot and the types of investment models offered in Edward Jones Advisory Solutions® Unified Managed Account Models including the unique features and the particular investments available with each investment model type, please refer to Item 4: Services, Fees and Compensation for more information. • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please refer to Termination of Advisory Solutions UMA Models Services in Item 4: Services, Fees and Compensation for more information. Item 3: Table of Contents Item 1: Cover Page ............................................................................................................................................. 1 Item 2: Material Changes ................................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................................... 2 Item 4: Services, Fees and Compensation ...................................................................................................... 3 Item 5: Account Requirements and Types of Clients ................................................................................... 19 Item 6: Portfolio Manager Selection and Evaluation .................................................................................... 21 Item 7: Client Information Provided to Portfolio Managers.......................................................................... 27 Item 8: Client Contact with Portfolio Managers ............................................................................................ 27 Item 9: Additional Information ........................................................................................................................ 27 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................................ 27 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ......................... 28 Item 10: Requirements for State-Registered Advisers ................................................................................. 31 Appendix A: Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ........................... 32 PAGE 2 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com as determined by Edward Jones. Item 4: Services, Fees and Compensation Before investing in Advisory Solutions UMA Models, you should decide if you are comfortable delegating the day-to-day management for most, if not all, of your account. (See sub-item D for information on non-discretionary services offered in Advisory Solutions UMA Models for Alternative Investments.) • Need advice and guidance when making investment decisions • Are at ease with a financial professional making their day-to- day investment decisions • Are willing to follow a disciplined investment strategy Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Advisory Solutions® Unified Managed Account (UMA) Models (“Advisory Solutions UMA Models” or the “Program”) sponsored by Edward Jones, the fees charged for Advisory Solutions UMA Models, and our services and business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in Advisory Solutions UMA Models. • Are comfortable paying monthly, asset-based (percentage) fees for investments and advice rather than individual, transaction-based commissions or sales charges In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately at Edward Jones or through another broker-dealer or investment adviser. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in Advisory Solutions UMA Models may be lower or higher than if you purchased the investments or services separately or through another broker- dealer or investment adviser. Advisory Solutions UMA Models accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are the amount of trading activity you have in your accounts and the Because Advisory Solutions UMA Models is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Advisory Solutions UMA Models to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Advisory Solutions UMA Models and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account as well as the type of advice you desire. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. Additionally, some of the mutual funds managed by an affiliate of Edward Jones (“affiliated mutual funds”) are only available to be held or purchased in an Edward Jones investment advisory program and are not available to be held or purchased in an Edward Jones Select brokerage account or at another financial institution. Generally, Edward Jones prevents the purchase of certain affiliated mutual funds unless you already hold shares of those mutual funds and transfer them into your Guided Solutions account(s). However, Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. The decision to invest in Advisory Solutions UMA Models is yours. Before making this decision, you and your financial advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. If you decide to invest in Advisory Solutions UMA Models, our advisory relationship does not begin until (a) Edward Jones accepts and approves the written Client Services Agreement (“CSA”) with you and (b) funding of the account at the initial minimum investment, PAGE 3 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Certain Eligible Investments are only available in taxable accounts. SMA Managers can provide (a) a non-discretionary model portfolio to Edward Jones, acting as overlay manager, to implement at its discretion or (b) a discretionary model portfolio and then facilitate the trading in your account to align with such investment recommendations (SMA Managers acting in this capacity are referred to hereinafter as an “Executing SMA Manager”). Advisory Solutions UMA Models Overview Advisory Solutions UMA Models is a wrap fee program in which you can combine multiple investments in a single advisory account. Advisory Solutions UMA Models offers multi-style investment services implemented by us using overlay management. For more information on the services associated with overlay management, please read this Brochure and the accompanying brochure for the Edward Jones Overlay Management Services to understand the full scope of these services and associated risks. Edward Jones and/or an Executing SMA Manager may, in its sole discretion, reject an account for any reason. The affiliated SMAs are created by Edward Jones through a separate advisory program called the Edward Jones SMA Model Portfolios. Please read this Brochure and the accompanying brochure for the Edward Jones SMA Model Portfolios program to understand the key risks and differences for these SMAs. The investments available to you in the Program will depend on what investment model you select. The Program offers a mix of firm developed, financial advisor developed, and client developed investment model types. See sub-item A: Program Investment Models Available to You for more information on the different investment model types available to you. The affiliated SMAs are only available for inclusion in a Custom Model. For more information on Custom Models available in the Program, please see sub-item A. Your account may invest in one or more affiliated mutual funds, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”) and the Edward Jones Money Market Fund (“Money Market Fund”). Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Across the available investment model types, some combination of the following types of investments have been approved by Edward Jones and are available: affiliated separately managed accounts (“SMAs”), unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, exchange-traded funds (“ETFs”), stocks, or private market investments managed by unaffiliated asset managers in the categories of private equity, private credit, or real assets (collectively, the “Alternative Investments”). In general, these investments are referred to as “Eligible Investments” throughout the Brochure. For information on what types of investments are available in each investment model type, please see sub-item A: Program Investment Models Available to You. The Money Market Fund is not available to purchase as an Eligible Investment for Advisory Solutions UMA Models. However, cash balances required by a selected SMA strategy, by a financial advisor as part of a Financial Advisor Developed Model (see Item 4 for more information), or awaiting investment or reinvestment in your account will be automatically swept into the Money Market Fund, where they will be held until invested in an Eligible Investment. Please refer to Appendix A for more information about the Money Market Fund. The Alternative Investments available in the Program are part of a pilot Edward Jones is conducting and are subject to additional client eligibility and qualification requirements. The Alternative Investments and unaffiliated money market funds made available in the Program are offered on a non-discretionary basis. For more information on Alternative Investments and the associated services, including the use of unaffiliated money market funds, please see sub-item D. Your account’s asset allocation may include a cash allocation held in the Money Market Fund through the automatic sweep feature described above and/or invested in a third-party money market fund. In certain instances, such as instances of market volatility or uncertainty, Edward Jones and/or the Executing SMA Manager may increase the amount of cash you hold in your portfolio. The portion of your Advisory Solutions UMA Models account held in the Money Market Fund or other cash vehicles will be included in the calculation of your Advisory Solutions UMA Models Fee (defined below). Edward Jones selects the Eligible Investments that are available in Advisory Solutions UMA Models. Edward Jones categorizes these Eligible Investments by investment style, which we refer to as “Asset Allocation Categories.” Based on your selected portfolio objective for your Advisory Solutions UMA Models account (your “Account Portfolio Objective”), Advisory Solutions UMA Models will allocate a portion or percentage of your investments to the Asset Allocation Categories. Asset allocation cannot eliminate risk associated with investing, but it can help to keep your account within your stated risk tolerance range. The unaffiliated SMAs are managed or recommended by one or more unaffiliated investment advisers (“Unaffiliated Managers”), while the affiliated SMAs are managed or recommended by Edward Jones (“Affiliated Manager”). Collectively we refer to Unaffiliated Managers and Affiliated Manager as the “SMA Managers” throughout this Brochure. Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your PAGE 4 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com financial advisor if you are interested in learning more about such investments available in Advisory Solutions UMA Models and the associated risk. recommend that you select an Account Portfolio Objective that is appropriate for the portfolio objective you selected for your goal (your “Goal Portfolio Objective”). You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Account Portfolio Objectives in Advisory Solutions UMA Models currently include: We can make changes to the list of Eligible Investments at any time and, excluding Alternative Investments, can change the amount of your money that is invested in the different Asset Allocation Categories and/or Eligible Investments. We can also add and remove Asset Allocation Categories at any time without prior notice. Excluding Alternative Investments, these additions or removals could result in the purchase or sale of an Eligible Investment in your account. Liquidations may cause a taxable event as well as redemption fees, if applicable. All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it should have moderate to higher risk. There is no guarantee that the Eligible Investments will perform in any particular manner. Details about the mutual funds and/or ETFs in your account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF, and details about the Alternative Investments in your account can be found in the prospectus, offering document, and/or subscription agreement (collectively, “Fund prospectus and other fund documents”). Investment restrictions may prevent or limit the purchase or continued purchase of certain Eligible Investments. Situations include but are not limited to restrictions that prevent purchases of an Eligible Investment and restrictions that only permit current holders of the Eligible Investment to continue making purchases, subject to parameters set forth by Edward Jones. Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. It is important that you read these documents, the accompanying Edward Jones Overlay Management Services brochure and any applicable Executing SMA Manager’s and SMA Manager’s Form ADV Part 2A brochure, including any supplements, and Part 3 Client Relationship Summary before investing. Services Provided Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. A. Account Portfolio Objective, Investment Model Selection and Construction and Ongoing Asset Allocation Guidance In order to invest in Advisory Solutions UMA Models, you will complete a Client Profile, which is a resource used to collect important information about your account, and generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance and other financial information. Your time horizon will reflect the expected time frame for when you plan to invest (and potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. Edward Jones constructs each Account Portfolio Objective using different Asset Allocation Category targets and different Eligible Investment weightings within each Asset Allocation Category, taking into account risk tolerance, time horizon and the purpose of investing funds into Advisory Solutions UMA Models. Edward Jones is solely responsible for determining, and periodically reviewing, the Asset Allocation Category targets and ranges, and Eligible Investment offerings and weightings appropriate for each Account Portfolio Objective. Generally, certain Account Portfolio Objectives are not available if your initial minimum investment is under $500,000. See Item 5, below. If your account is not assigned to a goal established at Edward Jones, then we will recommend an Account Portfolio Objective for your account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments. If your account is assigned to a goal established at Edward Jones, then we will Program Investment Models Available to You Advisory Solutions UMA Models offers the following types of investment models: Research Model, Financial Advisor Developed Model (in pilot), and Custom Model. The investment model type that you select must be consistent with your chosen Account Portfolio Objective. PAGE 5 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Research Model: Research Models are based on the Asset Allocation Category and Eligible Investment weightings determined by Edward Jones in its sole discretion to be appropriate for each Account Portfolio Objective. These weightings are set by Edward Jones at target percentages appropriate for each Research Model’s corresponding Account Portfolio Objective and cannot be changed by you. Eligible Investment Types Available for Research Models. The Eligible Investments available to Research Models include a list of unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, and ETFs. The selection and ongoing management of what Eligible Investments are included in a particular Research Model is owned and managed by an Edward Jones home office team. Edward Jones, including your financial advisor, retains the right to make any change to an FA Developed Model you have selected at any time without prior notice to you. For example, due to various influences, such as changing market conditions, a reclassification of an Eligible Investment to a different Asset Allocation Category or a change in the securities underlying an Eligible Investment, Edward Jones may change the Asset Allocation Category or Eligible Investment weightings within an Account Portfolio Objective. This type of change by Edward Jones could then result in your financial advisor needing to make a change to his or her FA Developed Model to account for the change in the underlying Asset Allocation Category or Eligible Investment done by Edward Jones for that Account Portfolio Objective. Additionally, Edward Jones can make changes to the Eligible Investments allowed to be held in an FA Developed Model at any time. Or, alternatively, or your financial advisor can make changes to the Eligible Investments held in an FA Developed Model at any time. If your account is taxable, changes to an Asset Allocation Category or an Eligible Investment held in an FA Developed Model will cause transactions in the account, and these transactions may have tax consequences. Edward Jones may make any change to a Research Model you have selected at any time without prior notice to you. For example, due to various influences, such as changing market conditions, a reclassification of an Eligible Investment to a different Asset Allocation Category or a change in the securities underlying an Eligible Investment, Edward Jones may change the Asset Allocation Category or Eligible Investment weightings within an Account Portfolio Objective. Additionally, Edward Jones may make changes to the Eligible Investments held in a Research Model at any time. Further, if Edward Jones retires the Research Model you selected, then Edward Jones will, without prior notice to you, select and implement a replacement Research Model for your account. Custom Model: Custom Models provide our clients with more flexibility to select investments consistent with their account Portfolio Objective. If you select a Custom Model, you are responsible for choosing Eligible Investments from the list of available Eligible Investments for a Custom Model and setting your Asset Allocation Category and Eligible Investment target percentages within the ranges that Edward Jones has deemed acceptable for your Account Portfolio Objective. If your account is taxable, changes to an Asset Allocation Category or an Eligible Investment held in a Research Model will cause transactions in the account, and these transactions may have tax consequences. Eligible Investment Types Available for Custom Models. The Eligible Investments available to Custom Models include a list of affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, ETFs, and Alternative Investments. For Alternative Investments, please see sub-item D for more information on availability and disclosures specific to this investment type. Financial Advisor Developed Model Pilot: Edward Jones is conducting a pilot with a limited number of qualifying financial advisors for the development of investment models in the Program. The models developed by financial advisors are referred to as Financial Advisor Developed Models (“FA Developed Models”) and can only be recommended to the clients of such financial advisor who developed the model. If your financial advisor qualifies for and is offering FA Developed Models, has recommended an FA Developed Model to you, and you have chosen to select such a model, then these disclosures apply to you. Eligible Investments within a Custom Model may be subject to certain investment minimums, as may be determined by Edward Jones and/or an SMA Manager. In addition, Edward Jones may, in our sole discretion, implement guidelines and/or restrictions as to the minimum and maximum number of Eligible Investments that can be held in an account at any one time and the minimum and maximum percentage allocations to those Eligible Investments held in a Custom Model. Each FA Developed Model has an Asset Allocation Category and Eligible Investment target percentage that is set by the financial advisor within a range that Edward Jones has deemed acceptable for an Account Portfolio Objective. Eligible Investment Types Available for FA Developed Models. The Eligible Investments available to FA Developed Models include a list of unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, ETFs, and stocks. The selection and ongoing management of what Eligible Investments are included in a particular FA Developed Model are determined by your financial advisor. Edward Jones may, in our sole discretion when we deem appropriate, deviate from the weighting ranges within a particular Account Portfolio Objective and create a Custom Model with different weighting ranges that is appropriate for a specific subset of clients within that Account Portfolio Objective. If you elect such a Custom Model, you will be expected to set Asset Allocation Category and Eligible Investment targets within the range that Edward Jones designates for that portfolio, rather than the ranges designated under the Account Portfolio Objective. Due to PAGE 6 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com a taxable event. For an investment model that includes an SMA, the replacement Eligible Investment selected may be subject to a higher SMA Manager Fee. Similarly, for an investment model that includes a mutual fund or ETF, the replacement Eligible Investment selected may be subject to higher internal expenses than the prior investment and you will be responsible for paying the higher fees. The Program Fee and the Platform Fee (defined below) for Advisory Solutions UMA Models you pay to Edward Jones will not change as a result of the replacement Eligible Investment. Circumstances may require the replacement of an Eligible Investment in your account through the utilization of an affiliated transition fund, which is a short-term investment vehicle used to facilitate a mutual fund or ETF replacement. The decision to use a transition fund is solely at our discretion. various influences, such as changing market conditions, a reclassification of an Eligible Investment to a different Asset Allocation Category or a change in the securities underlying an Eligible Investment, we may change the Asset Allocation Category or Eligible Investment weighting within an Account Portfolio Objective. If such changes conflict with your current Eligible Investment selections or your chosen Asset Allocation Category or Eligible Investment targets, we will, when possible, provide you thirty (30) days’ notice to modify your selection. If you do not update your selections within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice, we may trade Eligible Investments within your account or change your Asset Allocation Category or Eligible Investment targets, to bring your account back into alignment with your chosen Account Portfolio Objective. If your account is taxable, this change will result in transactions in your account that may have tax consequences. If you select a Custom Model, you may not be able to purchase certain Eligible Investments in your Advisory Solutions UMA Models account. For example, certain mutual funds that are Eligible Investments may be closed to new accounts. Multi-Year Transition Service Pilot. Edward Jones is conducting a Multi-Year Transition Service pilot with a limited number of clients. The Multi-Year Transition Service is intended for clients seeking to fund their taxable Custom Model UMA account with assets from an existing account inside or outside of Edward Jones or, alternatively, seeking to transition from one portfolio to another within their existing taxable Advisory Solutions UMA Models account. The Multi-Year Transition Service allows the client to work with their Edward Jones financial advisor to establish a timeline for transitioning the sale of Eligible Investments over consecutive tax years (the “Transition Period”) while moving to their target portfolio allocation over the Transition Period. The terms and conditions of the Multi-Year Transition Service are set forth in the CSA. If an Eligible Investment is removed from the list of Eligible Investments for any reason, the Eligible Investment can no longer be held in your account. Except for Alternative Investments, if we remove an Eligible Investment, we will, when possible, provide you thirty (30) days’ notice and recommend a replacement Eligible Investment (which may include affiliated mutual funds or an affiliated SMA). If you do not want to accept the replacement Eligible Investment, you must notify Edward Jones within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice; otherwise, we will select the replacement Eligible Investment for your account. Please see the sub-section Alternative Investments Transition within Item 6 for information on what will occur if an Alternative Investment is removed from the Program as an Eligible Investment. Alternative Investments in a Custom Model. Edward Jones is conducting a pilot that offers qualified clients Alternative Investments, which are managed by Edward Jones on a non- discretionary basis within your account. Alternative Investments are only available in a Custom Model. For more information on Alternative Investments and the associated services, please see sub-item D. Except for Alternative Investments, in scenarios where an Eligible Investment changes due to fund restructuring, a spinoff, a merger, or something similar, including where such activity involves in-kind purchases or redemptions of Eligible Investments, Edward Jones has the authority to buy, sell, add or remove one or more Eligible Investments in its discretion to appropriately align your account with your selected Account Portfolio Objective and Asset Allocation Categories. This may require liquidating shares of the Eligible Investment(s) experiencing changes and/or purchasing shares of a different Eligible Investment(s). Liquidations may cause a taxable event as well as redemption fees, if applicable. Investment and Trading Discretion. When you decide to invest in Advisory Solutions UMA Models, you will sign a CSA indicating that you agree to all of its terms and conditions. You cannot change or amend the CSA in any way. By signing the CSA and excluding the services associated with Alternative Investments, you give Edward Jones (and, as applicable, an Executing SMA Manager) discretionary investment and trading authority over your account. You do not give us the authority to choose or change your Goal Portfolio Objective or Account Portfolio Objective without your instruction. To change your Goal Portfolio Objective or Account Portfolio Objective, you must meet with your financial advisor to select a new Goal Portfolio Objective or Account Portfolio Objective. With the exception of Alternative Investments, which Edward Jones offers to you on a non-discretionary basis, the discretionary investment and trading authority you give to Edward Jones and, as applicable, the Executing SMA Manager(s) to Except for Alternative Investments, until such Eligible Investment designated for removal is removed from your account, there is a possibility that additional shares of that Eligible Investment may be purchased. Such purchase(s) may occur in certain instances including, but not limited to, when dividend reinvestments occur. The purchase of additional shares of such Eligible Investment and the eventual mandatory removal of such shares may result in PAGE 7 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Converting mutual fund shares from an existing share class to a share class available outside of your Advisory Solutions UMA Models account if your CSA is terminated; and manage your Eligible Investments on a discretionary basis by buying and selling investments for your account whenever deemed appropriate and without your approval of each transaction, includes but is not limited to: • Implementing any reasonable restrictions. • Selecting the Eligible Investments for your account (except for Custom Models); This discretionary investment and trading authority can be exercised at any time and without prior notice to you. • Removing Eligible Investments from the list of Eligible Investments available in the Program; • Replacing an Eligible Investment in your account with another recommended Eligible Investment (which may include affiliated mutual funds and unaffiliated mutual funds) (for Custom Models, we will, when possible, provide you thirty (30) days’ notice and recommend a replacement Eligible Investment (which may include affiliated mutual funds or an affiliated SMA). If you do not want to accept the replacement Eligible Investment, you must notify Edward Jones within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice; otherwise, we will select the replacement Eligible Investment for your account); • Where circumstances require, utilizing an affiliated transition fund, which is a short-term investment vehicle, to facilitate an Eligible Investment replacement. The decision to use a transition fund is solely in our discretion; • Determining the asset allocations and changing an asset allocation at any time; Investment Restrictions: For Research Models, FA Developed Models, and Custom Models, you can request to restrict the purchase of certain equity securities, including a specific equity security or category of securities. For example, you may restrict Edward Jones or Executing SMA Manager(s) from buying specific securities or a category of securities (e.g., tobacco or alcohol companies) that you consider objectionable for personal reasons or that you wish to avoid due to potential overconcentration in a specific security. Edward Jones will apply the uninvested cash resulting from the security or category restriction across other investments held within the SMA Manager’s strategy, or the other stocks held in your FA Developed Model. When a security or category is restricted from purchase, your account performance will differ from other accounts investing in the same Account Portfolio Objective and may be adversely impacted. You may restrict the mutual funds or ETFs your account may invest in, but not the actual securities in which the underlying mutual fund or ETF invests. You cannot restrict the purchase of a fixed-income security. Restrictions must be determined to be reasonable by Edward Jones. • Adding and removing Asset Allocation Categories, which could result in the purchase or sale of Eligible Investments; • Using discretion as to the time a trade will be made in your Client Services Agreement Approval: Once you have selected your Account Portfolio Objective, you will complete a CSA that must be accepted and approved by Edward Jones. Trading of your account will not begin until the CSA is accepted and approved, which can take several business days. account and the price paid for investments in accordance with obligations of best execution; • Aggregating trades; • Investing funds and reinvesting all dividends and proceeds Rebalancing: Rebalancing is achieved by buying, redeeming or selling Eligible Investments, which may include affiliated mutual funds, until the Asset Allocation Category or Eligible Investment is in alignment with the target for your account. earned by your account into Eligible Investments managed by us and/or an Executing SMA Manager • Automatically buying and selling Eligible Investments to rebalance your account to the target asset allocation when determined necessary by Edward Jones (or with respect to clients participating in the Multi-Year Transition Service, trading your account in connection with your transition plan); • Deducting cash, selling money market shares and other Upon approval of your CSA, Edward Jones is authorized to buy, sell or trade securities in your account in a manner consistent with the Asset Allocation Category established by us, the model portfolio provided by the applicable SMA Manager and any restrictions you have placed on the account. With certain Eligible Investments in Research Models or Custom Models, certain Executing SMA Managers have discretion to buy, sell or trade securities directly in your account. assets, and deducting the proceeds from your account to pay Edward Jones your Advisory Solutions UMA Models Fee; • Determining the appropriate mutual fund share classes for Advisory Solutions UMA Models, which may not be the lowest priced share class available in the particular mutual fund; • Exchanging mutual fund shares into another mutual fund share class; • Terminating your CSA at any time; Pursuant to parameters determined at the sole discretion of Edward Jones for the Eligible Investments we have discretionary investment and trading authority over in the Program, if the percentage of an Asset Allocation Category or an Eligible Investment in your account has drifted too far from its target, your account will generally be rebalanced back toward the target of one or more Asset Allocation Categories or Eligible Investments in your account at the discretion of Edward Jones. • Liquidating the Eligible Investments in your account if your CSA is terminated; We may also rebalance your account if an Eligible Investment is removed from the list of Eligible Investments; if you are invested PAGE 8 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com equity securities; • Managing your taxable account in a tax-efficient manner with the objective of minimizing your realized gain and maximizing realized losses while maintaining the desired investment allocation. Tax-efficient management of your taxable account may conflict with model portfolio recommendations from an SMA Manager; in these instances, tax-efficient management may take precedence over the model portfolio recommendations of an SMA Manager; • For clients enrolled in the Multi-Year Transition Service, in a Research Model or an FA Developed Model, an Eligible Investment will be added to the respective Research Model or FA Developed Model; or, if you are invested in a Custom Model, we will, when possible, provide you thirty (30) days’ notice and recommend a replacement Eligible Investment (which may include affiliated mutual funds or an affiliated SMA). If you do not want to accept the replacement Eligible Investment, you must notify Edward Jones within 30 days (or such shorter time as may be determined at the discretion of Edward Jones). As a result, the portion of your account invested in mutual funds and/or ETFs may be reallocated, in whole or in part, from unaffiliated mutual funds and/or ETFs into affiliated mutual funds. adjusting target portfolio allocations over time with the goal of minimizing your realized gains while transitioning to your stated investment targets. It may not be possible to achieve or maintain the desired investment allocation during the Transition Period; and Rebalancing trades are subject to certain dollar minimums as determined by Edward Jones, in our sole discretion. You will not be notified before a rebalancing occurs in these types of Eligible Investments. Neither asset allocation nor rebalancing is guaranteed to produce a profit or protect against loss. Rebalancing trades in a taxable account may result in a taxable event to you. Consult with your tax professional before you invest in Advisory Solutions UMA Models. B. Overlay Management • Monitoring and maintaining the required cash thresholds set by each selected SMA strategy or by your financial advisor if in an FA Developed Model in your account. If your cash balance goes above the threshold for one of your SMA strategies or the threshold set by your financial advisor in the FA Developed Model, Edward Jones will apply the excess cash into the investments held within the SMA strategy or the qualifying stock held in your FA Developed Model. Edward Jones provides overlay management services as part of Advisory Solutions UMA Models. You can find information on the overlay management services in the Edward Jones Overlay Management Services brochure, but in general, Edward Jones performs the following functions with these services: Edward Jones retains sole responsibility for selecting the overlay manager and reserves the right, at any time and at its sole discretion, to replace the overlay manager with either an affiliated or unaffiliated investment manager. • Implementing instructions by SMA Managers; C. Execution Services • Placing orders for the purchase and/or sale of securities in accordance with the model portfolio recommendations of the SMA Managers and/or communicating the orders for the purchase and/or sale of securities through Edward Jones’ broker-dealer or other broker-dealers (please note: a taxable account funded with securities will result in purchase and/or sale orders in your account which may have tax consequences); • Aggregating orders for the purchase and/or sale of securities; Edward Jones and, as applicable, an Executing SMA Manager have discretion over your account to determine when and what Eligible Investments, excluding Alternative Investments, to buy or sell in accordance to the investment model you have selected or, in the case of an Executing SMA Manager, their model portfolio recommendations. Additionally, Edward Jones and, as applicable, an Executing SMA Manager will determine what broker-dealer will fulfill or execute the buy or sell orders generated for your account. • Placing orders for the purchase, sale or redemption of shares of mutual funds and/or ETFs in accordance with the parameters set by your investment model or as instructed by you; • Rebalancing one or more Asset Allocation Categories or Eligible Investments within your account back toward their respective targets if, pursuant to parameters determined in the sole discretion of Edward Jones, the weighting of the Asset Allocation Category or Eligible Investment has deviated too far from its target; • Adding and removing an Asset Allocation Category pursuant to investment guidelines set by Edward Jones, which could result in the purchase of Eligible Investments to fill the newly added Asset Allocation Category, or sale of an Eligible Investment to support the removal of an Asset Allocation Category; • Implementing any reasonable restrictions that you have placed on the purchase of certain equity securities or category of For the buy and sell orders generated by Edward Jones, as overlay manager, or an Executing SMA Manager for your account, it is generally anticipated that these transactions will be routed to and executed through Edward Jones’ broker-dealer. Notwithstanding the foregoing, Edward Jones and an Executing SMA Manager have an obligation to seek best execution for all trades they create in your account, which means Edward Jones, as overlay manager, and an Executing SMA Manager have full authority to route and execute trades with those broker-dealers that they believe are capable of providing the best qualitative execution under the circumstances, even if such broker-dealers are not Edward Jones. Factors that Edward Jones or an Executing SMA Manager may consider when determining what broker-dealer to route buy and sell orders for execution in your account include: what, if any, additional trading costs will be applied; the nature of the security; the size and type of transaction; the nature and character of the markets involved; the PAGE 9 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com parties as well as foreign tax charges. All of these charges are in addition to the Advisory Solutions UMA Models Fee. executing broker’s execution, clearance and settlement capabilities as well as its reputation; soft-dollar arrangements, as described below; the importance of speed, knowledge, efficiency, consistency and anonymity provided by the executing broker; and additional investment opportunities. Edward Jones, as overlay manager, and an Executing SMA Manager may consider different factors or may place different weight on the factors it uses to meet its best execution obligation. Edward Jones, as overlay manager, and the Executing SMA Manager’s best execution obligations do not require either to obtain the best price or the lowest available cost of trade orders. Clients should be aware that some Executing SMA Managers have historically placed all or substantially all of their client trades as step-out trades with another broker-dealer for execution. Frequently, these trades have been for fixed-income, foreign and small-cap equity securities. As a result, these types of Executing SMA Managers and their strategies could be more costly to a client than Executing SMA Managers that primarily place trades with Edward Jones for execution. Additionally, Edward Jones may, and has at times, engaged in trading away. Please see Edward Jones’ website at www.edwardjones.com/ advisorybrochures for more information and a list of Executing SMA Managers who informed Edward Jones that they traded away from Edward Jones during the most recent year and general information about the additional cost (if any) of those trades. Edward Jones does not engage in soft-dollar arrangements; however, the Executing SMA Managers participating in Advisory Solutions UMA Models may direct transactions to brokers in return for brokerage or research services. In certain instances, an Executing SMA Manager engaged in soft-dollar arrangements may pay a broker-dealer (other than Edward Jones) higher commissions than what another broker-dealer adequately qualified to effect such transactions would have charged, where an Executing SMA Manager determines in good faith that the commission is reasonable in relation to the value of the soft-dollar benefits received. Soft-dollar arrangements may be considered as a factor in best execution determinations but will not replace the duty of the Executing SMA Manager to seek best execution for trades in your account(s). When Edward Jones, as a broker-dealer, executes a trade order in your account, you will not be charged or pay additional costs for the execution of such trade. For this reason, Edward Jones, acting as overlay manager, and an Executing SMA Manager may determine that Edward Jones’ execution capabilities as broker- dealer provide the most favorable option for routing and executing trade orders in your account. Alternatively, Edward Jones, acting as overlay manager, or an Executing SMA Manager may determine to execute trades with another broker-dealer if either reasonably believes that a different broker-dealer can obtain a more favorable execution than Edward Jones under the circumstances. This practice is frequently referred to as “trading away,” and these types of trades are frequently called “step-out” trades. Step-out trades are executed at another broker-dealer and cleared and settled at Edward Jones. When Edward Jones is acting as executing broker, there may be times when we engage in “principal transactions.” This means that we will fill your buy or sell orders from our own inventory of securities. We will not charge you a markup or markdown on these principal transactions. However, if an Executing SMA Manager buys from or sells to our inventory, we may earn revenue or incur losses depending on market or price fluctuations in the security. Edward Jones will engage in principal transactions only where we are permitted to do so under applicable law. Edward Jones may also engage in “cross transactions” in Advisory Solutions UMA Models. This means that we act as a broker-dealer for advisory clients on both the sell side and the buy side of the same transaction. If this occurs with an Executing SMA Manager, they will direct all trades and will instruct either Edward Jones or another broker-dealer to execute those trades. Edward Jones will engage in cross transactions only where permitted to do so under applicable law. An Executing SMA Manager may participate in other wrap fee programs sponsored by firms other than Edward Jones. In addition, an Executing SMA Manager may manage institutional and other accounts that are not part of a wrap fee program. In order to avoid buying or selling the same security for all Executing SMA Managers’ client accounts through multiple broker-dealers, an Executing SMA Manager may decide to aggregate all such client transactions into a block trade that is executed through one broker-dealer. This practice may enable the Executing SMA Manager to obtain more favorable execution, including more favorable pricing, than would otherwise be available if orders were not aggregated. Using block transactions may also assist the Executing SMA Manager in potentially avoiding an adverse effect on the price of a security that could result from simultaneously placing a number of separate successive or competing client orders. This practice generally results in “trading away” from Edward Jones, as described above. See below for information on how Edward Jones handles trade allocations when they are acting as overlay manager and broker-dealer. If Edward Jones, acting as overlay manager, or an Executing SMA Manager executes trade orders with another broker-dealer, you will incur trading costs in addition to the Advisory Solutions UMA Models Fee. The trading costs for step-out trades to another broker-dealer may include commissions, markups, markdowns or “spreads” paid to market makers in addition to the Advisory Solutions UMA Models Fee. Additionally, if a foreign currency transaction is required, a foreign broker-dealer may receive compensation in the form of a dealer spread, markup or markdown. There may be other exchange or similar fees, including, but not limited to, foreign ordinary conversion and creation of American Depositary Receipts, charged by third Alternatively, an Executing SMA Manager may use a trade rotation process where one group of the Executing SMA Manager’s clients may have a transaction effected before or after another group of clients. The Executing SMA Manager PAGE 10 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com number of accounts exceeds the limits set forth in the Eligible Investment’s trading policies and procedures, the Eligible Investment may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on the allocation process described above to effect the redemptions over time in a manner consistent with the limits set forth in the Eligible Investment’s trading policies and procedures. implements their trades with certain clients, custodians or sponsors using a trade rotation process in order to minimize the impact of their trading on the securities or markets in which they trade. These trade rotation practices may result in a transaction being completed for your account near or at the end of the Executing SMA Manager’s rotation, resulting in your account bearing the market price impact, if any, of those trades executed earlier in the rotation. This may result in you receiving a less favorable net price for the trade. However, the Executing SMA Manager’s trade rotation policies are typically designed to ensure that clients are treated equitably and fairly over time. Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones or an Executing SMA Manager, Edward Jones will work to promptly correct the error while ensuring your account is not disadvantaged. Edward Jones and, as applicable, an Executing SMA Manager will not aggregate or rotate trades for Custom Models with trades for Research Models or FA Developed Models. Similarly, trades resulting in the removal and replacement of an Eligible Investment in the Program, will not result in Edward Jones or, as applicable, the Executing SMA Manager, aggregating or rotating trades for Custom Models with trades for Research Models or FA Developed Models. Because Custom Models are typically given notice and time to select an Eligible Investment replacement other than the recommended Eligible Investment, Custom Models will normally trade after Research Models or FA Developed Models. As a result, Research Models and FA Developed Models may receive different prices than Custom Models. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in trades between your account and an Edward Jones error account. When using an error account, we engage in principal transactions. This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. You should review each Executing SMA Manager’s Form ADV Part 2A Brochure and Part 3 Client Relationship Summary for more information about their soft-dollar, trade aggregation and trade rotation practices and any related conflicts of interest Brochures for all SMA Managers, discretionary or non- discretionary, can be found at www.advisorinfo.sec.gov. An Executing SMA Manager is solely responsible for ensuring they comply with their best execution obligations to you. You should also inquire about an Executing SMA Manager’s trading practices and consider that information carefully before choosing to invest in Advisory Solutions UMA Models. In particular, you should carefully consider any additional trading costs you may incur. Trade Allocation. From time to time, the volume and/or number of trades that must be executed for Advisory Solutions UMA Models accounts may exceed Edward Jones’ operational and technological capacities if these trades are made on a single day. This may occur if Edward Jones is removing an Eligible Investment from the list of Eligible Investments, if a large number of accounts need to be rebalanced, or by request of an Eligible Investment. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may decide to allocate trades over an extended period of time. This may result in clients receiving different prices during such events. However, Edward Jones’ allocation process is designed to be fair and equitable over time through the use of a random allocation process conducted prior to trade execution. Edward Jones Reserve Line of Credit. Certain Advisory Solutions UMA Models non-retirement accounts may be eligible to serve as collateral in support of securities-based loans offered by Edward Jones SBL, LLC (the “Lender”) a non-investment adviser, non-bank affiliate of Edward Jones. The securities-based lending offering is called the Edward Jones Reserve Line of Credit (“Reserve Line”). The terms and conditions applicable to Reserve Line are governed by the Edward Jones Reserve Line of Credit Agreement (“Reserve Line Agreement”) and are not included in this brochure. Client “Obligations” (as that term is defined in the Reserve Line Agreement) are collateralized by the pledged account and the assets, including securities, within that account. If your Advisory Solutions UMA Models account is used as collateral to take an advance under the Reserve Line (a “Reserve Line Advance”), your account and assets within it are pledged to support your Obligations and you will not be permitted to withdraw securities or funds from your account unless sufficient collateral remains to support your Obligations as required under the Reserve Line Agreement. The availability of the Reserve Line will depend on whether the Lender is authorized to extend credit in the state where you reside, the value of the assets, including securities held in the pledged accounts and the eligibility guidelines set forth in the Reserve Line Agreement. Lender, at its sole discretion, may refuse a request for a Reserve Line Advance. Reserve Line Advances may be used for personal and business purposes but may not be used for the purpose of purchasing securities or reducing or retiring any indebtedness incurred to purchase securities. In addition, if the volume or size of redemptions required to be effected as a result of the removal of an Eligible Investment from the list of Eligible Investments or the rebalancing of a large Before making the decision to take a Reserve Line Advance, it is important you understand the terms and conditions of the Reserve Line Agreement; the risks and costs associated with PAGE 11 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com assigned to your stated investment goal. The Account Portfolio Objective is a component of the Goal Portfolio Objective and provides a specific portion or percentage of Asset Allocation Categories for a subset of assets or single account connected to your investment goal. As such, another prerequisite to qualifying for access to the Alternative Investment Services Pilot is that you must have selected an Account Portfolio Objective for your Advisory Solutions UMA Models account that is aligned to your investment goal and associated Goal Portfolio Objective. For more information regarding how to review what investment goal, Goal Portfolio Objective, or Account Portfolio Objective you have selected for your Advisory Solutions UMA Models account, please contact your financial advisor. Advisory Services Provided. Edward Jones will perform the following Alternative Investment Services Pilot: • Recommending a Custom Model that includes an allocation to Alternative Investments that aligns to your Goal Portfolio Objective for your consideration. You are responsible for deciding if and how you want to take action on that advice. • Initial and ongoing due diligence on the Alternative Investment and its asset manager. • Determining and advising on the unique qualification criteria and concentration limits associated with a particular Alternative Investment purchase request. • Recommending an Alternative Investment purchase or sale for taking a Reserve Line Advance; and how the performance of your Advisory Solutions UMA Models account may be negatively affected. Please review the Reserve Line Agreement for a discussion of the risks as well as the “Reserve Line Risk” section below before taking a Reserve Line Advance. The Reserve Line Agreement also includes a discussion of the costs of these advances. You will pay interest charges on a Reserve Line Advance to the Lender, which are separate from, and in addition to, the Advisory Solutions UMA Models Fee (defined below) you pay us. Before taking out a Reserve Line Advance, first evaluate the intended duration of the advance and your other options, including alternative loan options or liquidating securities. It is our view that the use of securities- based lending is most appropriate when short in duration. The costs of a Reserve Line Advance, including interest charges, and Advisory Solutions UMA Models Fee may be greater than the income generated by your Advisory Solutions UMA Models account and, as a result, your account’s value may decrease. To the extent that a “Maintenance Call” (as that term is defined in the Reserve Line Agreement) is triggered in connection with your Reserve Line and the Lender instructs us to liquidate any pledged collateral, we will act solely in our capacity as a broker-dealer and not as an investment adviser. Moreover, in causing the liquidation and sale of such pledged collateral to satisfy a Maintenance Call, the Lender will prioritize its interests over your interests, we are obligated to prioritize the Lender’s interests over your interests and we will prioritize our interests over your interests. To learn more about the Reserve Line offering and its availability, please contact your Financial Advisor. your consideration. D. Alternative Investments and Associated Services Pilot • Providing the appropriate prospectus and/or offering documents of the Alternative Investment (the “Offering Documents”) to you. • Obtaining the necessary documents to facilitate the purchase, sale, or transfer of an Alternative Investment. • Working with you and the appropriate transfer agent, as Advisory Solutions UMA Models is conducting a pilot that offers qualifying clients the ability to buy and sell Alternative Investments using a Custom Model and temporary access to an unaffiliated money market fund for pending purchase requests (the “Alternative Investment Services Pilot”). The Alternative Investment Services Pilot is offered and managed by Edward Jones on a non-discretionary basis. All other Eligible Investments in the account are managed by Edward Jones, and/or an Executing SMA Manager as described in sub-items A-C. needed, to ensure an Alternative Investment purchase or sale request is in good order and can be moved forward to completion or settlement. • Obtaining and providing you with valuation information on the Alternative Investment. High Net Worth Clients. If you are a client with $5 million or more in investable assets and also eligible to purchase Alternative Investments, your Alternative Investment Services Pilot will give you access to an Edward Jones home office team that specializes in working with the complex needs of high net worth clients (the “Portfolio Strategy team” or individually the “Portfolio Strategy representative”) and your financial advisor. • Monitoring your Alternative Investment(s) and notifying you with recommended actions for your consideration if your Alternative Investment(s) is out of alignment to the Target Range for your Goal Portfolio Objective. You are responsible for deciding if and how you want to take action on that advice. • Reviewing, at least annually, your Alternative Investments in relation to your Account Portfolio Objective and associated Goal Portfolio Objective. Ineligible Securities. Edward Jones will not accept into the Program any Alternative Investment that has not been deemed an Eligible Investment in the Program. Further, Edward Jones reserves the right to reject, in its sole discretion, a request to Goal Portfolio Objective and Account Portfolio Objective Prerequisites. A prerequisite to qualifying for access to the Alternative Investment Services Pilot is that you must have selected and assigned your Advisory Solutions UMA Models account to an investment goal, which allows a Goal Portfolio Objective to be created. A Goal Portfolio Objective provides the cumulative asset allocation and investment category ranges (“Target Ranges”), while considering your time horizon and comfort with risk, for the total assets or accounts you have PAGE 12 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com transfer into the Program an existing Alternative Investment that you purchased outside of Edward Jones, even if such Alternative Investment has been identified as an Eligible Investment within the Program. account to represent the value of the Alternative Investment purchase or sale while the trade is processed and until it is settled. The Advisory Solutions UMA Models Fee, as defined in sub-section G, will be charged on the value of the pending transaction. Required Eligible Investments Minimum. Edward Jones requires that you meet a minimum of $300,000 in Eligible Investments in your Advisory Solutions UMA Models account as a prerequisite to access the Alternative Investment Services Pilot prior to an initial Alternative Investment purchase. Valuation Availability and Timing. An Alternative Investment does not trade at the same frequency as other Eligible Investments held in your account. Valuation information for an Alternative Investment may not change for days, weeks, or months, and may be based on estimated or actual values. Once you have purchased an Alternative Investment in your account, if the value of your Eligible Investments, excluding your Alternative Investments, in your Advisory Solutions UMA Models account falls below the requisite minimum amount, we may, in our discretion, remove your account from the Program. The asset manager provides valuation information pertaining to your Alternative Investment, which Edward Jones utilizes to provide you position or account valuations, statements, confirmations and tax reporting documents. Edward Jones relies solely on the valuation information provided from the asset manager and does not attest to the accuracy or completeness of such information. Furthermore, Alternative Investments often have minimum net worth, income, or other financial qualification requirements. These qualifications may vary depending on the Alternative Investment and you may be required to maintain these minimums to remain invested in the Alternative Investment. These qualification requirements are determined by the Alternative Investment’s asset manager and are in addition to Edward Jones’ Alternative Investments’ client eligibility requirements. The portion of the Advisory Solutions UMA Models Fee attributable to the Alternative Investment(s) in your account is calculated using the valuation information available to Edward Jones for your Alternative Investment(s). For more information on the Advisory Solutions UMA Models Fee, including how it is calculated, please see sub-section G – Fees. Trading. Once you have notified your financial advisor or Portfolio Strategy representative that you want to proceed with purchasing or selling an Alternative Investment, Edward Jones will take several actions, including: • For purchase requests, confirm you have sufficient cash in your account or a sale in process in your account that would cover the purchase price of the requested Alternative Investment. Alternative Investment Alignment. Edward Jones will review your Alternative Investment(s) and notify you when these investments are out of alignment with the associated Target Ranges for your Account Portfolio Objective or Goal Portfolio Objective. If your account is out of alignment for any reason, including, but not limited to, valuation increases, you will be responsible for realigning your account within a time frame determined by Edward Jones in its sole discretion and communicated to you. • Invest the cash in your account that has been designated for an Alternative Investment purchase into an unaffiliated money market fund of Edward Jones’ choosing. The Advisory Solutions UMA Models Fee, as defined in sub-section G, will be charged on the value of the unaffiliated money market position while you hold that position in your account. To realign the Alternative Investment(s), you must provide instructions to Edward Jones on how much of your Alternative Investment(s) you request to sell or transfer your Alternative Investment to an Edward Jones Select brokerage account, which allows Alternative Investments transferred from an Advisory Solutions UMA Models account to be held in this account as a hold-eligible investment, or third-party account. Upon receiving your request, Edward Jones will work with you to begin the trade process, including the issuance of the Alternative Investment Documents. Such transactions may result in tax consequences as well as additional fees and expenses as described in sub- section G. In the event you do not provide instructions to Edward Jones to realign your Alternative Investment(s) within the required time frame, Edward Jones may, in its sole discretion, determine to remove your account from the Program. • Provide you with the applicable documents associated with the requested Alternative Investment including, but not limited to, the Offering Documents, the investor application and contract associated with that Alternative Investment, and the Edward Jones Alternative Investments Client Acknowledgement form (collectively, the “Alternative Investment Documents”) for your review and completion. It is very important that you review every document in the Alternative Investment Documents in-depth. These resources contain important information on how that Alternative Investment is structured, including unique risks, limitations, such as restrictions on when or how you can sell your investment, and much more. E. Custody, Trade Confirmations and Account Statements • Provide the transfer agent and/or asset manager with the completed Alternative Investment Documents and the cash from your account to fund your Alternative Investment purchase order. • Provide you with a pending transaction valuation in your Assets in your account are held at Edward Jones as broker- dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones, as sub- custodian. PAGE 13 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com As custodians, Edward Jones and EJTC are responsible for: • Safekeeping your funds and securities; Further terms and conditions applicable to this Class Action Claim Filing Service can be found at edwardjones.com/ accountfeatures. • Collecting dividends, interest and proceeds from any sales; and Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. • Disbursing funds from your account. F. Termination of Advisory Solutions UMA Models Services Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. You can waive the right to receive certain trade confirmations; however, you will still receive mutual fund and ETF prospectuses, when applicable. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. You or Edward Jones may terminate your participation in Advisory Solutions UMA Models at any time without any advisory termination fee. While oral instructions to terminate your participation in Advisory Solutions UMA Models are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Advisory Solutions UMA Models advisory services for your account. Upon notice of termination of your Advisory Solutions UMA Models services, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to the assets in your account, but you may instruct us to sell the securities or transfer the securities to another Edward Jones account or a third-party account. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Advisory Solutions UMA Models account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/ or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. Further, In the event Edward Jones is notified by a receiving firm that a transfer of securities in your Advisory Solutions UMA Models account is being rejected in part or whole by such receiving firm Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm.. Conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Class Action Claim Filing Service. Edward Jones partners with a third-party service provider to assist with recovery services by filing claims on your behalf in certain “Class Actions” related to securities and other financial instruments held in your account. “Class Actions” includes all U.S. state and federal class actions, Securities and Exchange Commission disgorgements, or other regulatory cases, as well as international class actions and/or collective actions involving publicly traded securities and financial instruments. As part of your CSA, you have provided limited power and authority to Edward Jones and/or the third-party service provider Edward Jones partners with to submit claims on your behalf, either directly or indirectly through such third-party service provider, including execution of necessary forms and documents. Pursuant to your CSA, you will be bound by, and subject to, the terms of all forms and releases that may be entered into for settlements in which a claim is filed on your behalf. In so doing, you appoint Edward Jones and/or the third-party service provider Edward Jones partners with as your administrative agent to process and administer your participation in such asset recovery cases as a class member. This Class Action Service is a separate administrative service, is not part of the advisory services offered in the UMA Models program or covered by the UMA Models Fee, and Edward Jones does not act in an advisory capacity when making this service available to you. Additionally, Edward Jones will not provide legal advice to you or any other party related to your participation in such Class Actions. Charges for the processing of class action claims shall be subject to a contingency fee assessed by the third-party service provider in the event a recovery is made. The contingency fee shall be a percentage of the total reimbursement of Class Actions settlements the third-party service provider collects. Additional service charges may apply related to the distribution and handling of payment if your account has been closed and a paper check and/or location services/escheatment is required. Bridge Builder funds are only available to be purchased or held by you in Edward Jones’ advisory programs and you may not direct us to hold or purchase Bridge Builder funds in an Edward Jones Select brokerage account or at another financial institution Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs. Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. In addition, SMA Managers may invest in mutual funds that have been developed for use solely with their respective SMA strategy. Accordingly, any positions in such mutual funds will be liquidated if you terminate your participation in such SMA strategy or your CSA is terminated. You are automatically enrolled in the Class Action Claim Filing Service. However, you are not obligated to continue to provide Edward Jones with the authority to permit the third-party provider to process any such claims. Rather, you may opt out of this service and pursue such claims on your own by advising Edward Jones, in writing, of your intention to opt out of this third-party service. PAGE 14 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Your Advisory Solutions UMA Models Fee includes a Program Fee, Platform Fee and SMA Manager Fees, less any applicable fee reduction and/or fee offset (as discussed more fully below). Clients participating in the Multi-Year Transition Service do not pay fees in addition to the Advisory Solutions UMA Models Fee and other fees described below. A fee may be charged for the Multi-Year Transition Service in the future. For Alternative Investment(s), due to potential restrictions on when and/or how much of an Alternative Investment can be sold or transferred, Edward Jones will transfer your entire account to a Limited Services Account, as defined below, upon notice of termination. Please read further in this section on the Limited Services Account for more information on what you will and will not be able to do with your Alternative Investment(s) and other remaining Eligible Investments once they are transferred to a Limited Services Account. In addition to your Advisory Solutions UMA Models Fee, Eligible Investments, including ETFs, affiliated mutual funds, and, as applicable, Alternative Investments, in your account, have internal fees and expenses that are described in the prospectus and/or Offering Documents of each fund. Taxable gains, taxable losses, redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. These internal fees and expenses vary depending on the particular Eligible Investment. You are responsible for the cost of commissions or transaction charges for securities trades directed by Edward Jones or an Executing SMA Manager for execution by broker-dealers other than Edward Jones (i.e., “step-out” trades). The following section explains: • The fees and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Edward Jones The Program Fee If you request the assets in your account be liquidated, proceeds from the sale of your securities will be available upon settlement of the trades generated to complete the liquidation. Edward Jones or an Executing SMA Manager use multiple trading days following the date after Edward Jones receives your liquidation request to fully liquidate your securities if either Edward Jones or the Executing SMA Manager believes it is in your best interest to have a longer liquidation period. Because bond markets may be less liquid, these investments may be more difficult to liquidate, especially during periods of extreme market volatility. Therefore, you may experience delays or adverse price fluctuations when liquidating these securities. Liquidation of securities held in your account may cause a taxable event as well as additional fees and expenses. Every Advisory Solutions UMA Models account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your account aligned with such guidance; periodic performance reporting; custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. Upon notice of termination, if you fail to instruct Edward Jones as to the disposition of assets in your account, your account, or if you have Alternative Investments in your account, your account services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. You will be able to receive distributions, liquidate securities and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for money market funds). Any transactions will be subject to fees, commissions and sales charges applicable to Edward Jones brokerage accounts. The Platform Fee A Platform Fee is charged on accounts enrolled in Advisory Solutions UMA Models for the support and maintenance of accounts on the Edward Jones’ investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. If you terminate your participation in Advisory Solutions UMA Models, and do not transfer the assets in your Advisory Solutions UMA Models account to an Edward Jones account that is eligible for the Reserve Line, the Reserve Line (if any) associated with your Advisory Solutions UMA Models account will be terminated by the Lender and all outstanding Obligations will immediately be due and payable. The Lender may instruct us to liquidate securities or assets pledged as collateral (without notice to you) in an amount sufficient to satisfy outstanding Obligations. We will act solely in our capacity as a broker-dealer in connection with any such instruction, not as an investment adviser. Please see the Reserve Line Agreement for additional information. G. Fees How the Advisory Solutions Fund Models Fee Is Calculated The Advisory Solutions UMA Models Fee is based on the market value of all assets held in your account, including cash, cash equivalents, shares of third-party money market funds and shares of the Money Market Fund. Reserve Line Advances, if any, do not reduce the market value of your account for the purposes of calculating the Advisory Solutions UMA Models Fee. The Advisory Solutions UMA Models Fee is comprised of fees assessed at Every Advisory Solutions UMA Models account pays asset-based fees (referred to as your “Advisory Solutions UMA Models Fee”). Page 15 of 32 IAS-6486AD-A-E-PB REV. JAN 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com annual fee rates (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. In addition, the Program Fee and/or Platform Fee may be lower than the above stated maximum annual fee rate in the following circumstances: • Either Edward Jones or your financial advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or • You are a member of an active or eligible retired associate’s Pricing Group. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. The Advisory Solutions UMA Models Fee is charged to your account each month in arrears. If your account is open for part of a month, then your Advisory Solutions UMA Models Fee will be based on the number of days your account was open and invested in the market. The amount you pay is determined by the average daily market value of the assets held in your account for the previous month. Reducing, up to and including a waiver, the Program Fee and/or Platform Fee is at the sole discretion of Edward Jones and may result in clients being charged differently for the same or similar services. Pricing Groups To determine your Program Fee rate and Platform Fee rate, your account may be grouped with your other Edward Jones advisory accounts or the Edward Jones advisory accounts of people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each account can only be in one Pricing Group, and we will disclose to you the accounts making up your Pricing SMA Manager Fees: SMA Managers generally charge a fee for the development and maintenance of their SMA(s). Such fee is separate and apart from the Program Fee and Platform Fee and is referred to as the SMA Manager Fee. The annual SMA Manager Fee rates vary by SMA Manager. For affiliated SMAs available in this Program, which is when we serve as the Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: Affiliated Manager, there is no SMA Manager Fee charged by us to you. For the unaffiliated SMAs available in this Program, the Unaffiliated Managers of these SMAs generally charge an annual SMA Manager Fee rate that ranges from 0.00% to 0.45%. The exact SMA Manager Fee rates depend on the SMA of the Unaffiliated Manager(s) included in your account. There is no SMA Manager Fee assessed on investments in mutual funds and ETFs held outside an SMA. For SMAs managed or recommended by Unaffiliated Managers, you pay the associated SMA Manager Fees to Edward Jones, and Edward Jones remits those fees directly to the applicable Unaffiliated Managers. 1. Your single, joint, custodial, owner-only 401(k) plan and IRA accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your financial advisor to group your account with other accounts for the purpose of planning and establishing financial goals, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your financial advisor if you have any questions about your Relationship Group.) Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below 2. Your revocable trust accounts are grouped with your single, joint, custodial, owner-only 401(k) plan, IRA or other revocable trust accounts if they are registered at the same address and use the same tax ID number for tax reporting. 3. Your association, church, corporation, estate, irrevocable trust, LLC, partnership and sole proprietorship accounts are grouped with other accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of accounts will be grouped with each other but not with other account types. Additionally, accounts that do not meet the above criteria with your account, but that meet the above criteria with another person’s account in your Pricing Group, will be added to your Pricing Group. Furthermore, if your account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. Please contact your financial advisor if you have questions about your Pricing Group. Fee Reductions If your Advisory Solutions UMA Models account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the account is active in Advisory Solutions UMA Models. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security or other characteristics of the account activity in the previous Edward Jones account. Ask your financial advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your account in Advisory Solutions UMA Models before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your account. If you are selling securities to invest in Advisory Solutions UMA Models but did not purchase them through Edward Jones, you will not receive a fee reduction. Page 16 of 32 IAS-6486AD-A-E-PB REV. JAN 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Fee Offsets Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Each mutual fund (including affiliated mutual funds, if any) and ETF has internal management fees and ongoing expenses that are deducted from the mutual fund’s or ETF’s assets, which has the effect of reducing the net asset value (“NAV”) of the mutual fund or ETF. Many mutual funds available in Advisory Solutions UMA Models have different share classes with different fees and expenses. The Fund prospectus and other fund documents will describe the internal fees and expenses. Please refer to Item 6 below for more information regarding the selection of mutual funds and ETFs for Advisory Solutions UMA Models. Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the amount received to your account. Internal fees and expenses are in addition to the Advisory Solutions UMA Models Fee described above and vary depending on the particular mutual fund or ETF. You will not see a separate entry on your account statement showing these fees and expenses. Affiliated Mutual Funds: If your account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, other than the Money Market Fund, consist of Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds. Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). The Fund prospectus and other fund documents describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Any internal fees and expenses charged by mutual funds and ETFs held in your account will reduce your account’s overall returns and investment performance. Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”) Appendix A includes a detailed discussion of our Money Market Revenue. For any account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset against the Advisory Solutions UMA Models Fee equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Internal Fees and Expenses of Alternative Investments, Including Redemption Fees The fee structures for Alternative Investments differ from other Eligible Investments and have the potential for significant management fees or other costs, which could raise the overall expense of investing in an Alternative Investment. Certain Alternative Investments may impose an early redemption fee that is directly charged to you and debited from your account should you sell out of the Alternative Investment during an initial period of time set by the asset manager. Additionally, an Alternative Investment may impose internal fees that result in reduced returns and investment value to you. The fees associated with an Alternative Investment, including any early redemption fees that may be charged to you, are disclosed in the applicable Alternative Investment’s Offering Documents. How the Advisory Solutions Fund Models Fee Is Paid The Advisory Solutions UMA Models Fee is deducted directly from your account and paid using the cash portion of your account or assets that may be invested in such money market fund, excluding the unaffiliated money market fund used in the Alternative Investment Services Pilot. If there is not sufficient cash or assets in such money market fund, Edward Jones is authorized to sell a sufficient amount of assets, excluding the assets that are part of the Alternative Investment Services Pilot, to pay the Advisory Solutions UMA Models Fee. If Edward Jones sells these assets, this may trigger a rebalance of your account. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time. (See below for more information on redemption fees.) Trades as a result of a liquidation of an Eligible Investment in a taxable account may result in a taxable event. At the sole discretion of Edward Jones, you may be allowed to pay your Advisory Solutions UMA Models Fee from an alternate Edward Jones account. Other Fees and Expenses Not Included in the Advisory Solutions UMA Models Fee In addition to the Advisory Solutions UMA Models Fee described above, clients may incur other fees and expenses. You will pay interest charges on a Reserve Line Advance, if applicable, to the Lender, as set forth in the Reserve Line Agreement, which are separate from, and in addition to, the Advisory Solutions UMA Models Fee you pay us. The Advisory Solutions UMA Models Fee covers portfolio management and investment advice provided by Edward Jones. You may pay for other services including, but not limited to, fees to distribute an account pursuant to a transfer on Page 17 of 32 IAS-6486AD-A-E-PB REV. JAN 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com > edwardjones.com death agreement, estate service fees, an account transfer fee and/or an account termination fee. Also, the Advisory Solutions UMA Models Fee does not cover the following (if applicable to your account): transfer taxes; electronic fund, wire and other account transfer fees; foreign transactional charges; internal fees and expenses incurred by mutual funds (including affiliated mutual funds) or ETFs purchased for your account, including commissions and other transaction-related charges incurred by any such fund, even if Edward Jones or an affiliate thereof effects these transactions for the fund; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. Edward Jones will receive revenue as a result of you taking advances under the Reserve Line, which is based on the amount of the Reserve Line advance. The larger the amount of the Reserve Line Advance, the more revenue Edward Jones receives. In addition, your financial advisor may also receive compensation in connection with a Reserve Line Advance depending on the profitability of your financial advisor’s branch. As a result of the foregoing, there is a material conflict of interest between you and us in connection with the Reserve Line, which we address through disclosure in this Brochure and which you are deemed to consent to by taking a Reserve Line Advance. For example, if you take out or maintain a Reserve Line Advance rather than withdraw money from your Advisory Solutions UMA Models account, we retain the Advisory Solutions UMA Models Fee that such assets are otherwise generating and receive revenue from the Lender. The Lender also receives revenue in the form of interest payable on the Reserve Line Advance. Depending on your specific circumstances, including the intended duration of the advance under the Reserve Line and the return Deposits, including interest and dividends, received into your account but not yet invested into Advisory Solutions UMA Models may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. on your account, over the long term it may cost you more to take out the Reserve Line Advance than if you had pursued an alternative financing option or liquidated securities and withdrawn the sale proceeds from your account. You are responsible for determining whether a Reserve Line is appropriate for your liquidity needs, the acceptability of the lending terms, and potential adverse tax or other consequences for you. You are encouraged to carefully consider the total cost of taking out an advance under the Reserve Line, and any additional compensation to us or your financial advisor or the Lender, when determining to take out and/or maintain a Reserve Line Advance. Financial Advisor Compensation Most financial advisors receive a portion of the Program Fee, though some financial advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the investment model in which you invest. As a result, your financial advisor does not have a financial incentive to recommend one model over another. Similarly, the fee rate paid to your financial advisor will be the same regardless of the investment advisory program in which you invest. As a result, your financial advisor does not have a financial incentive to recommend Advisory Solutions UMA Models over another investment advisory program. Your Financial Advisor also will not receive a portion of the Platform Fee. The Program Fee, as well as assets under care and outstanding Reserve Line Advance balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and outstanding Reserve Line Advance balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client Reserve Line Advance balances may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). Most financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s The amount of your financial advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of an Advisory Solutions UMA Models account. If you purchased investments through Edward Jones as a broker-dealer, you would pay sales charges or commissions, a portion of which would be paid to your financial advisor. A financial advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the alternative, a financial advisor will typically earn more over time if you invest in Advisory Solutions UMA Models. This creates a financial incentive for your financial advisor to recommend Advisory Solutions UMA Models instead of brokerage services. Page 18 of 32 IAS-6486AD-A-E-PB REV. JAN 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD  > edwardjones.com recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “Platform Fee.” Advisory Solutions UMA Models may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your account, the amount of cash in your account, and the trading activity in your account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. You can choose to forgo the services of Advisory Solutions UMA Models and buy and sell securities through Edward Jones as a broker-dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits of the program described in this Brochure). We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. Copies are available from your financial advisor upon request of our CRS is available at www.edwardjones.com/regbidisclosures, as well as a copy of our educational resource the “Making Good Choices” brochure. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (“Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Advisory Solutions UMA Models is an investment advisory program offered by Edward Jones. The services provided through Advisory Solutions UMA Models are described in Item 4 above and in Section 1 of the CSA. For a description of the fees that may be directly charged to the Plan in connection with the Program, refer to Item 4G and the Program’s Schedule of Fees. Item 5: Account Requirements and Types of Clients Generally, an initial minimum investment of $300,000, $500,000 or $1 million is required to invest in Advisory Solutions UMA Models. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a discussion of other potential sources of compensation, see Item 9 below. For a discussion of termination fees that may apply see “Termination of Advisory Solutions UMA Models Services” and “Other Fees and Expenses Not Included in the Advisory Solutions UMA Models Fee” in Item 4G. • We offer Research Models, FA Developed Models, and Custom Models at an initial minimum investment of $300,000; however, you are limited to certain Account Portfolio Objectives until your Account value meets or exceeds $500,000. This limitation may prevent you from remaining in Advisory Solutions UMA Models if you subsequently want to select an Account Portfolio Objective that is not available while your Account is under $500,000. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” • We offer Custom Models to certain qualifying accounts that allow access to Alternative Investments once the Account value meets or exceeds $300,000. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. • We offer Research Models, FA Developed Models, and Custom Models for all Account Portfolio Objectives at an initial minimum investment of $500,000 or, if you invest at a lower initial minimum investment, when your Account value meets or exceeds $500,000. Portfolio Strategy Representative Compensation Portfolio Strategy representatives receive a salary. Additionally, these individuals receive periodic bonuses that take into account various metrics including financial metrics such as the number of clients enrolled in the Edward Jones Generations service (“Generations”) and the amount you invest at Edward Jones, including Advisory Solutions UMA Models, but the compensation does not differ based on the type of product or service purchased through Generations. Additionally, Portfolio Strategy representatives receive firm profit-sharing distributions. Comparing Costs, Expenses and Services Your Advisory Solutions UMA Models Fee is a fee for investment advisory, brokerage and custody services as described above Certain Research Models require an initial minimum investment of $1 million. You can fund your Advisory Solutions UMA Models account with cash and/or securities, as long as the securities are not considered to be an Alternative Investment that has not been deemed an Eligible Investment in the Program and, if such security is an Alternative Investment that Edward Jones considers an Eligible Investment, Edward Jones has decided not to exercise its discretion to reject the transfer in of such Alternative Investment. If you establish your Advisory Solutions UMA Models account or later add to your account with securities Page 19 of 32 IAS-6486AD-A-E-PB REV. JAN 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD  remaining in Advisory Solutions UMA Models for any reason, including if we do not believe it is an appropriate investment strategy for that person or entity. As a general rule, you should not invest in Advisory Solutions UMA Models if you want to actively trade in mutual funds and/or ETFs or have a time horizon shorter than three (3) years. that are not Eligible Investments, you authorize and direct Edward Jones to liquidate or redeem those securities as promptly as practicable without regard to tax consequences or redemption fees that may be assessed on the liquidation or redemption of those securities. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. The proceeds will be invested in the Account Portfolio Objective you selected. We will not provide advice or guidance regarding the securities being sold to fund the Advisory Solutions UMA Models account. Trades that occur in a taxable account will result in a taxable event to you. Please consult with your tax professional. You may add or withdraw funds from your account upon request. Additions and withdrawals from your account may result in Edward Jones selling or purchasing assets, excluding Alternative Investments, in your account in accordance with the Asset Allocation Category and Eligible Investment weighting targets set for your Account Portfolio Objective and in a manner that attempts to minimize variations in the Asset Allocation Category and Eligible Investment weightings within your account. If after your Advisory Solutions UMA Models account is opened and activated you subsequently transfer in shares of mutual funds that are current Eligible Investments but in a different share class from the share class used in Advisory Solutions UMA Models, these shares will be liquidated upon transfer into your account and the funds invested in accordance with your model. This may cause a taxable event in your account and we cannot guarantee that you will not owe taxes as a result of the liquidation. For more information about share classes, please refer to the Risk of Loss section below. If you initially transfer securities into your Advisory Solutions UMA Models account and those securities are Eligible Investments within your Research Model, FA Developed Model or Custom Model, you authorize and direct Edward Jones to: (a) convert some or all shares of current Eligible Investments to a different share class used in Advisory Solutions UMA Models, and/or (b) liquidate some or all shares of current Eligible Investments. Conversions could result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Liquidations depend upon factors such as the type and values of the securities you transfer in and the type and values required by your Research Model, FA Developed Model or Custom Model at the time of the transfer. Any securities you transfer into your account that are not Eligible Investments within your Research Model, FA Developed Model or Custom Model will be liquidated and the proceeds invested as described above. The value of your account is monitored by Edward Jones. If the value of your account, excluding any Alternative Investments you may own in the account, falls below the initial investment minimum, we may, in our discretion, remove your account from Advisory Solutions UMA Models. If you request a transfer of securities from your Advisory Solutions UMA Models account to another Edward Jones account or a third-party account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share class. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Advisory Solutions UMA Models account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions may result in higher fees and expenses and negatively affect investment performance and liquidations may cause a taxable event. Mutual fund shares held in your Advisory Solutions UMA Models account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into Advisory Solutions UMA Models is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into Advisory Solutions UMA Models. Assets in your Advisory Solutions UMA Models account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. Edward Jones offers clients a wide range of financial services. Advisory Solutions UMA Models may not be appropriate for every client or every account type. Generally, Advisory Solutions UMA Models is available only to residents or entities of the United States and certain U.S. territories with the following types of accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs; and Benefit Plans. Benefit Plans (individually, “Benefit Plan”) include pension or other employee benefit plans governed by the Employee Retirement Income Security Act of 1974, as amended, a tax-qualified retirement plan (including a Keogh plan, an Edward Jones-sponsored Owner K® plan or a “single owner 401(k)” plan in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), Savings Incentive Match Plan for Employees (“SIMPLE”) IRAs, Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other applicable retirement plans. Edward Jones can prohibit any person or entity from investing or Affiliated mutual funds may not be held outside of your Edward Jones investment advisory and/or brokerage account. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at PAGE 20 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com another financial institution. Similarly, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. achieve returns, tax characteristics, such as portfolio turnover, and consideration, and reviewing up-to-date information on the strategy’s investment performance results, liquidity characteristics, or valuation methodology. Liquidations of an affiliated mutual fund in a taxable account may result in a taxable event. Item 6: Portfolio Manager Selection and Evaluation The performance or valuation is calculated by the Unaffiliated Managers themselves or by third parties. The Unaffiliated Manager performance information is not calculated on a uniform and consistent basis. Neither Edward Jones nor any third party engaged by us reviews performance information of an Unaffiliated Manager to determine or verify its accuracy or its compliance with presentation standards. After the initial evaluation and selection, Edward Jones continues to monitor Unaffiliated Managers on a cadence appropriate to the investment type. This ongoing monitoring may entail, but is not limited to, updated information on the Unaffiliated Managers’ background, investment practices or performance results. Edward Jones performs due diligence on portfolio managers, including the managers of affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, ETFs, and Alternative Investments to select and evaluate Eligible Investments for the Program. The Eligible Investments are selected and evaluated by Edward Jones based on a process tailored to the type of investment. For SMAs only certain SMAs offered by Unaffiliated Managers are available in Advisory Solutions UMA Models. Edward Jones supervised persons at the home office serve as portfolio managers for Research Models and Edward Jones financial advisors, also supervised persons, serve as portfolio managers for FA Developed Models in Advisory Solutions UMA Models. See Item 4.A. above for a description of our advisory services. Removal. Edward Jones may remove any Eligible Investment offered by an Unaffiliated Manager or an Unaffiliated Manager and their entire set of associated Eligible Investments from Advisory Solutions UMA Models for any reason. Reasons for the removal of an Eligible Investment or the Unaffiliated Manager and their associated Eligible Investments may include, but are not limited to, the following: • Key personnel changes; • Deviations from its investment philosophy or mandate; The remainder of this section provides additional information on how Edward Jones selects, evaluates, and removes Eligible Investments to and from the Program. • Legal or regulatory concerns; • Poor performance when compared to similar managers over a market cycle; or • Investment risk that has become misaligned to Edward Jones’ Selection and Evaluation of SMAs. Eligible Investments selected for Advisory Solutions UMA Models undergo a due diligence process by Edward Jones, which, among other things, determines whether such investment meets our objective and subjective criteria to be included as an Eligible Investment. investment philosophy. If Edward Jones removes an Eligible Investment or an Unaffiliated Manager and their associated Eligible Investments and you are invested in a Research Model or an FA Developed Model, we will select an appropriate Eligible Investment as a replacement without giving you any prior notice. For affiliated SMAs and affiliated mutual funds, Edward Jones uses a review process that is different from the other Eligible Investments that are unaffiliated with Edward Jones when selecting and monitoring the inclusion of these affiliated investments in Advisory Solutions UMA Models as an Eligible Investment. Specifically, when selecting and/or monitoring an affiliated investment as an Eligible Investment, we use processes that include, but are not limited to, an evaluation of the investment process, consistency in the use of such investment process, portfolio composition, strategies employed, reviewing quarterly information on a strategy’s investment performance results and risk management. If you are invested in a Custom Model, we will, when possible, provide you thirty (30) days’ notice and recommend an Eligible Investment as a replacement. If you do not want to accept the recommended replacement, you must notify Edward Jones within 30 days (or such shorter time as may be determined at the discretion of Edward Jones) of such notice; otherwise, we will select the replacement for your account. If you hold an Alternative Investment in your Custom Model, read below for further information on how we will work with you to transition or liquidate an Alternative Investment that has been removed from the Program as an Eligible Investment. Alternative Investments Transition. Edward Jones will notify you if an Alternative Investment you hold has been removed from the Program as an Eligible Investment. You will need to instruct Edward Jones if you want to transfer the impacted Alternative Investment to an Edward Jones Select brokerage account, which allows Alternative Investments transferred from an Advisory For unaffiliated investments deemed an Eligible Investment in the Program, Edward Jones uses a review process that starts with an evaluation of the Unaffiliated Manager and/or their product(s) we seek to add to Advisory Solutions UMA Models. Specifically, our evaluation of the Unaffiliated Manager may include, but is not limited to, an assessment of their alignment to the Edward Jones investment philosophy, their organizational strength and stability, and the amount of assets under their management. Edward Jones will then further evaluate the Unaffiliated Manager’s product including, but not limited to, assessing the established history of investment performance, reviewing the risk taken to PAGE 21 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Solutions UMA Models account to be held in this account as a hold-eligible investment, or third-party account, or if you want to liquidate the Alternative Investment, you will have up to two (2) trading windows to complete such transfer(s) or sale(s). Edward Jones continually reviews Eligible Investments (other than affiliated mutual funds) to ensure they remain suitable for Advisory Solutions. An Eligible Investment can be removed from Advisory Solutions for a variety of reasons, including, but not limited to, the following: • A significant change to a fund’s investment team • A major shift in the fund’s investment process • A drift away from a fund’s stated investment style • An alternate Eligible Investment that has been identified within • the same Asset Allocation Category • A change in Edward Jones’ guidance and/or outlook Once Edward Jones determines an Alternative Investment is to be removed from the Program and has notified you of such removal, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to that removed Alternative Investment. While the value of the removed Alternative Investment will be included in the calculation for your Advisory Solutions UMA Models Fee, you will receive a subsequent credit for any Advisory Solutions UMA Models Fee that was charged to your account for holding this removed Alternative Investment while it remains in your account. • A decision by Edward Jones to reduce our ownership level of a fund If you have not provided instructions for how Edward Jones is to liquidate or transfer your entire Alternative Investment holding by the conclusion of the second trading window, Edward Jones will transfer your entire Advisory Solutions UMA Models account to a Limited Services Account. For more information on a Limited Services Account, see Item 4.F – Termination of Advisory Solutions UMA Models Services. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Affiliated mutual funds generally will not be removed from the list of Eligible Investments. However, as multi-manager funds, the above events would likely cause the affiliated investment adviser to select a replacement sub-adviser, subject to the terms and conditions of the prospectus. The affiliated investment adviser may also reallocate the fund’s assets or change the weightings among the remaining sub-advisers at its discretion. The affiliated investment adviser and the affiliated mutual funds have received an exemptive order from the SEC that allows sub-advisers to be appointed without a vote of the shareholders of the affiliated mutual fund. Update Pending Status. Edward Jones can place an Eligible Investment (other than an affiliated mutual fund) on “Update Pending” status. Update Pending is an interim status indicating there is some type of important news or issue involving the Eligible Investment. Once the significance of the news or issue is assessed, we will remove the Update Pending status and either: Methods of Analysis, Investment Strategies and Risk of Loss Mutual Funds and ETFs. Edward Jones starts with the universe of applicable investments and uses numerous quantitative (investment history, past performance, portfolio analysis of the individual holdings in the mutual fund, etc.) and qualitative (investment strategy, process, personnel, etc.) factors in selecting and monitoring Eligible Investments. The selection and monitoring processes take into consideration a variety of factors, each of which may be given different weight in the decision- making process, and generally no one factor determines the outcome of any selection. (1) keep the Eligible Investment on the list of Eligible Investments, or (2) remove the Eligible Investment from the list of Eligible Investments. You will not be notified that an Eligible Investment is in Update Pending status, and your account will continue to hold the Eligible Investment through the Update Pending period. This process will not apply to affiliated mutual funds. The processes we use to select and monitor affiliated mutual funds are different from the processes we apply to unaffiliated mutual funds and other Eligible Investments. Risk of Loss All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. In selecting and monitoring sub-advisers for our affiliated mutual funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other Eligible Investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. Each Eligible Investment will also fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives, strategies, risks, fees and expenses, and past performance of each Eligible Investment before deciding to invest in Advisory Solutions UMA Models. PAGE 22 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Edward Jones considers several factors when selecting a mutual fund share class for Advisory Solutions UMA Models, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Clients should not assume they will be invested in the share class with the lowest expense ratio. Edward Jones generally attempts to select institutional and/or advisory share classes for Advisory Solutions UMA Models, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Set forth below are some of the material risk factors that are often associated with the general types of investments available to clients investing in Advisory Solutions UMA Models. You should not rely solely on the descriptions provided below but should also read the ADV Part 2A Brochures and, as applicable, Part 3 Client Relationship Summaries of the Edward Jones Overlay Management Services and the Executing SMA Managers, which include additional and more detailed risk disclosure about their investment strategies and available investments, which may include equity securities (including large cap, mid cap and small cap), preferred stock, fixed-income securities, government securities, municipal securities, foreign securities, emerging- market securities, mutual funds, ETFs and money market funds. In addition, certain SMAs may invest in master limited partnerships, real estate investment trusts and derivatives, including, but not limited to, options, future contracts, and interest rate swaps. This list of investments available through SMAs is not meant to be exhaustive, and you are encouraged to read your Executing SMA Manager’s brochure for more information. The brochures can be found on Edward Jones’ website at www. edwardjones.com/advisory-prospectus/brochures.html or you can ask your financial advisor for a copy. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in Advisory Solutions UMA Models, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b-1 fees for shares held in your account, we will credit the amount received to your account as a fee offset. Please refer to the appropriate prospectus and SAI for more information regarding the available share classes of mutual funds used in Advisory Solutions UMA Models. In our sole discretion, Edward Jones can change the share class of any Eligible Investment at any time without prior notice to you. Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. Redemptions from Eligible Investments. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are Eligible Investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, removes a mutual fund from the list of Eligible Investments. If the volume or size of redemptions required to be affected as a result of the removal of a mutual fund from the list of Eligible Investments exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in accounts experiencing increased risk of loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to reduce the likelihood of an in-kind redemption and will take steps to minimize potential adverse consequences to you, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks depending on its investments and investment strategy. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The Fund prospectus and the other fund documents describe the risks specific to the fund. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment Share Classes. Unaffiliated mutual funds used in Advisory Solutions UMA Models can have different share classes. While PAGE 23 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com guaranteed by the issuing agency or instrumentality, which must rely on its own resources to repay the debt. As a result, there is risk that these entities will default on a financial obligation. in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Each Fund’s prospectus and other fund documents describe the risks specific to the fund. Alternative Investments Risk. Alternative Investments have unique and different risks than other investments, including: Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. Limited Liquidity and Redemption. The Alternative Investments available in the Program are not listed on any securities exchange and there may be no secondary market for the Alternative Investment, meaning you may have no access to the money you’ve invested or to any potential profits, sometimes for a period of years. The asset manager of the Alternative Investment may limit or restrict opportunities for redemption, including declining to redeem all or a portion of an Alternative Investment and/or may impose an early redemption fee based on a percentage of the Alternative Investment’s net asset value. Further, there may be restrictions on transferring interests in the Alternative Investment. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). Investing Limits. Depending on the Alternative Investment, your purchase amount may be limited by regulations and the Alternative Investment’s Offering Documents. These limits are determined, in part, by aggregating Alternative Investments you currently hold at Edward Jones, as well as Alternative Investments you hold outside of Edward Jones. Valuation/Tax Related Information. The lack of a secondary market or listing on a public exchange and the potential that underlying assets may be valued only periodically means daily pricing of the Alternative Investment may be unavailable and that valuations that are provided may not be current or accurate. Fixed-Income Securities Risk. Fixed-income securities, such as bonds, are subject to credit risk and interest rate risk. Credit risk is the possibility that an issuer of an instrument will be unable to make interest payments or repay principal when due. Changes in the financial strength of an issuer or changes in the credit rating of a security may affect its value. Interest rate risk is the risk that interest rates may increase, which tends to reduce the resale value of certain fixed-income securities. Leverage. Alternative Investments are not suitable for all investors. The use of leverage may increase the risk of the investment and potentially lead to significant loss of principal. You should consider your ability to hold the Alternative Investment through various market conditions, especially given the limited liquidity of Alternative Investments. Municipal Securities Risk. Municipal securities are subject to various risks based on factors such as economic and regulatory developments, changes or proposed changes in the federal and state tax structure, deregulation, court rulings and other factors. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generate taxes or revenues. There is a risk that the interest on an otherwise tax- exempt municipal security may be subject to federal income tax. Return Smoothing. Certain illiquid investments such as equity ownership in private companies or real estate are not valued daily. Rather, pricing of such investments is typically done through periodic estimated valuations. As a result, reported returns of an Alternative Investment holding illiquid investments may appear to have an appearance of lower risk or less volatility than traditional investments that are valued daily. Risk of loss. An Alternative Investment has a high degree of risk and there is a risk of the complete loss of your investment. All or Government Securities Risk. U.S. government securities are subject to interest rate and inflation risks. Not all U.S. government securities are backed by the full faith and credit of the U.S. government. Certain securities issued by agencies and instrumentalities of the U.S. government are only insured or PAGE 24 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com a substantial portion of the value of an Alternative Investment may be lost due to potential lack of diversification, use of leverage or other speculative strategies. For more information about tax-efficient management, including tax loss harvesting, see the Edward Jones Overlay Management Services Form ADV brochure available at www.edwardjones. com/advisory- prospectus/brochures.html. Fees. Fee structures for Alternative Investments differ from traditional investments and include the potential of significant management fees and other costs, raising the overall expense of the investment. Multi-Year Transition Service Risks. Enrolling in the Multi-Year Transition Service gives rise to additional risks and limitations that would not otherwise exist if you did not use the Multi-Year Transition Service, including: By not promptly selling and reinvesting your Participating Assets at funding, your investment allocation, risk exposure (e.g., volatility) and account performance during the Transition Period will differ from your Target Portfolio. The delayed sale of such assets creates risks during the Transition Period of misalignment of your Account with the target asset allocation as well as increased tracking error and volatility. There is no guarantee by participating in the Multi-Year Transition Service that you will benefit as anticipated from this service, including, but not limited to, the potential benefits of spreading capital gains over multiple tax years. Foreign Investing Risk. Investments in foreign markets or foreign companies may be achieved through investments in securities of foreign issuers, ETFs or mutual funds that hold securities of foreign issuers, or ADRs, which are receipts typically issued by a U.S. bank or trust company evidencing ownership of the underlying securities of a foreign company. Investments in foreign markets or foreign companies carry a number of economic, financial and political considerations that are not associated with the U.S. markets and that could unfavorably affect your account’s performance. Among those risks are greater price volatility; weak supervision and regulation of securities exchanges, brokers and issuers; higher brokerage costs; fluctuations in foreign currency exchange rates and related conversion costs; adverse tax consequences; and settlement delays. Tax-Efficient Management Risk. In managing your taxable account in a tax-efficient manner, Edward Jones relies on various assumptions about the tax posture of a typical investor. Those assumptions may not correspond to your actual situation. In addition, we only consider securities held in your account (independently of other accounts). Securities outside of your account will not be considered, including securities held in other Advisory Solutions UMA Models accounts. You are responsible for monitoring all accounts under your (and your spouse’s) control, held at or outside of Edward Jones, to ensure that transactions in your account do not create a wash sale. The use of a Transition Period to transition assets to your Target Portfolio can result in your Account not receiving the benefit of rebalancing, tax loss harvesting, and/or other services set forth throughout the Brochure at the same time intervals that would have been effected if your Participating Assets had been sold and reinvested promptly after funding. By delaying the sale of Participating Assets through use of the Multi-Year Transition Service, Edward Jones will not be able to manage tracking error to the same extent that the sale of Participating Assets and prompt alignment with your Target Portfolio would permit. As a result, volatility in your Account can be higher than if the Transition Service was not used. Any tax benefits resulting from the Multi-Year Transition Service can be exceeded or outweighed by investment losses and/or missed gains (realized and unrealized) that result from a delayed move to your Target Portfolio. The timing of the sale of Participating Assets from your Account can be impacted by market conditions. A wash sale may occur if you and/or your spouse buy (directly or indirectly through any account under the control of you and/or your spouse) any security (or a substantially identical security) within 30 days before or after Edward Jones sells that same security. In that case, the loss may be deferred or disallowed. Edward Jones does not provide any assurances that wash sales will not occur. In some cases, we may execute a trade for non-tax reasons that will generate a wash sale when it deems this in the best interest of the client. You are responsible for identifying and reporting any wash sales properly on your tax return. For more information on the wash sale rules, please read Internal Revenue Service (“IRS”) Publication 550 and consult your tax professional. The effectiveness of tax-efficient management offered by Edward Jones for the Eligible Investments we manage, including through such methods as tax loss harvesting, in reducing your overall tax liability, will depend on your entire tax and investment profile. In certain markets the growth of your portfolio can cause gains in excess of those in existence at the beginning of the Transition Period and therefore gains realized over the course of the Transition Period can exceed the total gains that existed at the beginning of the Transition Period or the total gains anticipated at the beginning of the Transition Period. For example, if the price of one or more Participating Assets increases, particularly those already at outsized positions relative to the target asset allocation for your Account and/or at the outset of the Transition Period, the gains realized will likely exceed your gains that were present at the outset of the transition.- Conversely, declines in the price of one or more Participating Assets can result in the sale of the Participating Assets in less time than originally planned (e.g., over fewer tax periods than intended). Consult your tax professional regarding your situation, your requirements to the IRS or any other taxing authority, along with any potential tax consequences. Edward Jones assumes no responsibility for the tax consequences of any transaction, including any capital gains and/or wash sales that may result. Changes to your Target Portfolio, withdrawals you make from your Account, market movement, changes to your Account Portfolio Objective, and/or depositing new securities into your PAGE 25 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Account, amongst other things, can impact the ability of the Multi-Year Transition Service to transition your assets in alignment with your initial Transition Plan and can require a reassessment of your Transition Plan to determine feasibility of transitioning the remaining assets. In the event you seek to withdraw funds from your Account during the Transition Period, depending on the size of the withdrawal, capital gains can be realized to a degree that reduces the ability to spread capital gains over multiple tax years. The methods, processes, quantitative tools, and algorithms used by Edward Jones to perform the Multi-Year Transition Service can perform differently than expected due to errors, flaws, or being incomplete if such issues are not identified. This can have an adverse effect on investment performance and result in adverse tax consequences. Maintenance Call and Lender can instruct us to liquidate securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences; (x) depending on market conditions, the prices obtained for the liquidated securities may be less than favorable and may be less than the value that we or you believe the securities are worth and may negatively impact the performance of your account and interrupt your investment strategy; (xi) the timing of securities sales in connection with a Maintenance Call will be different than of I if those securities were not used as collateral in connection with the Reserve Line; (xii) a situation could arise where the value of your account is zero and you still owe money on a Reserve Line Advance; (xiii) we will act as a broker-dealer, and not as an investment adviser, in connection with a Maintenance Call (and our lending affiliate will act as a lender), which may be in conflict with your best interest and our role as an investment adviser to your Advisory Solutions UMA Models account; and (xiv) you will still be responsible for any deficiency if the value of the assets liquidated is insufficient to satisfy your obligations to the Lender under the Reserve Line. Funding your Account with Participating Assets that are sold on a delayed basis through the Multi-Year Transition Service can result in your Account being invested in a concentrated number or type of securities during the Transition Period. If your Account is invested in a concentrated number of securities, a decline in the value of these securities would cause the value of your Account to decline to a greater degree than that of a less concentrated portfolio. Please see the Reserve Line Agreement for a discussion of risks related to utilizing the Reserve Line. Any action taken by us in connection with a Maintenance Call will not constitute a breach of our fiduciary duties as an investment adviser. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Tailoring Advisory Services to Clients See Item 4.A. above for a description of how we tailor our advisory services to you and how you can impose reasonable restrictions on investing in certain securities or types of securities. Reserve Line Risk. Our financial advisors provide information and education regarding the availability of the Reserve Line. However, you decide whether to take Reserve Line Advances and you decide when and how to pay back any such advances. There are certain risks and conflicts of interest that arise when you take a Reserve Line Advance, including (i) the interest rate charged by the Lender in connection with the Reserve Line Advance may be higher than those charged by other lenders for financing and is in addition to the Advisory Solutions UMA Models Fee; (ii) the Lender is permitted to modify its collateral maintenance requirements at any time and without providing advance written notice to you; (iii) the Lender may require additional collateral or that you repay all or a portion of a Reserve Line Advance if there is a decline in the market value of the securities in the account that was pledged as collateral for the Obligations under the Reserve Line; (iv) the Lender can instruct us to liquidate any and all of the securities in your pledged account to satisfy a Maintenance Call without notice to you (even if the Lender has already notified you and provided a date by which you can meet a Maintenance Call); (v) you are not entitled to an extension of time on a Maintenance Call; (vi) to satisfy a Maintenance Call, Lender may instruct us to liquidate any or all of the securities in a pledged account that we would otherwise not recommend you sell and that may not otherwise be in your best interest to sell; (vii) liquidation of securities to satisfy a Maintenance Call could result in your account being out of alignment with your portfolio objective and result in other securities being sold to bring your account back into alignment with your Account Portfolio Objective; (viii) the liquidation of securities to satisfy a Maintenance Call could have adverse tax consequences to you; (ix) you are not entitled to select which securities in a pledged account are liquidated to satisfy a PAGE 26 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Wrap Fee Programs Edward Jones and, as applicable, its associates act as the wrap fee program sponsor described in this Brochure. We receive the Advisory Solutions UMA Models Fee as described in Item 4. bankruptcy, and/or class action lawsuit other than the Class Action Claim Filing service described in this brochure and the CSA. However, Edward Jones will promptly forward any such documents to you, or if you are enrolled in the Class Action Claim Filing service, Edward Jones will execute such service as described in this brochure and the CSA. We also act as an investment adviser in other advisory programs where we provide different services. Additional information is available at www.edwardjones.com/advisorybrochures. Item 7: Client Information Provided to Portfolio Managers Edward Jones does not provide client information to Unaffiliated Managers who are not authorized to execute transactions for the account. We will provide client information to Executing SMA Managers who are authorized to execute transactions to the extent necessary for the Executing SMA Managers to manage the account (or any portion thereof). Similarly, Edward Jones does not provide client information to a transfer agent or asset manager of an Alternative Investment who have not been selected, reviewed, and approved for inclusion in the Program. Over time, your financial goals and objectives may change. Accordingly, you and your financial advisor must perform an annual review, as set forth in Item 9.B. below. We will provide updated investment objective information to the applicable Executing SMA Manager(s) as necessary to continue managing your account. Proxy Voting As a registered investment adviser, Edward Jones will vote proxies received for the Eligible Investments they manage (except for Benefit Plan accounts opened on or after January 2, 2026) in accordance with applicable laws and has a fiduciary duty to vote those proxies in a timely manner and in our clients’ best interests, even if our clients’ best interest is in conflict with our interests. If you transfer non-Eligible Investment investments to open or fund an Advisory Solutions UMA Models account, Edward Jones may also vote proxies for those securities if the date of record occurs before the securities are liquidated. When you invest in Advisory Solutions UMA Models, you delegate the right to vote on these securities to Edward Jones and cannot direct or recommend how we will vote. By delegating proxy authority, you also authorize Edward Jones to receive all proxy- related materials, annual and semi-annual reports, and other shareholder materials, including corporate actions, arising from any Eligible Investments being managed in your account. Edward Jones has hired an independent third-party proxy voting service to assist us in evaluating and voting proxies in a way that follows our adopted policies and guidelines. We have established policies and procedures that are intended to ensure that proxies are voted in a manner that is consistent with our clients’ best interest. Further, certain independent shareholder rights available to you as an individual may not be exercised or effectuated when you delegate proxy authority to Edward Jones. Item 8: Client Contact with Portfolio Managers You may contact your Edward Jones financial advisor or, as applicable, Portfolio Strategy representative during normal business hours with questions regarding your account, including questions regarding an SMA or Alternative Investment. You cannot directly contact SMA Managers or the sub-advisers of the affiliated mutual funds, or asset manager or transfer agent of an Alternative Investment. If you have a complex or non-routine question, Edward Jones will communicate with these third-party providers on your behalf. You can receive a copy of proxy-related materials, Edward Jones’ proxy voting policy and procedures, voting guidelines and/or proxy voting record by submitting a written request to: Item 9: Additional Information Disciplinary Information and Other Edward Jones, Attention: Investment Advisory, 12555 Manchester Road, St. Louis, MO 63131. A. Financial Industry Activities and Affiliations If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. Benefit Plan accounts opened on or after January 2, 2026, for which we will not vote proxies, and those clients who wish to retain their right to vote proxies will then continue to receive all materials and notices from Edward Jones or the applicable mutual fund company and will be responsible for voting on the issues that the fund companies raise. We will not provide recommendations or advice on how to vote on these issues. Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any Eligible Investments or other assets held in your account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in PAGE 27 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for you and other clients outside of Advisory Solutions UMA Models, including the execution of brokerage transactions (e.g., the purchase or sale of securities, insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families or sub- advisers that also provide products or services in Advisory Solutions UMA Models. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent PAGE 28 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com when selecting Eligible Investments and/or sub-advisers. Missouri captive insurance company.. Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub- adviser be selected to manage the affiliated mutual funds. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing on assets held in Advisory Solutions UMA Models accounts. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Advisory Solutions UMA Models. • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may receive as a result of their employment with Edward Jones The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to the Eligible Investments, including Asset Allocation Categories and/or Eligible Investment weightings. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Advisory Solutions UMA Models and other Edward Jones programs. For additional information about this arrangement, please see Item 4. As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in Advisory Solutions UMA Models buy securities that are also available in Advisory Solutions UMA Models. These brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group JFC indirectly owns 100% of EDJ Insurance Company, Inc., a You should know that financial advisors, Edward Jones associates (including those directly involved with Advisory Solutions UMA Models) and/or their family members are permitted to and do invest in Advisory Solutions UMA Models. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before our clients and receive a better price on a security. To address this potential conflict, trades for financial advisors, Edward Jones associates (including those directly involved with Advisory Solutions UMA Models) and/ or their family members are aggregated along with other trades, which may include trades for PAGE 29 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com your account. reasonable investment restrictions on your account. The review will help determine if your Asset Allocation Category, Target Ranges, and/or Eligible Investment weightings and/or SMA Manager selections need to be modified. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Advisory Solutions UMA Models Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third-party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. Review of Accounts At the time your Advisory Solutions UMA Models account is opened, Edward Jones’ supervisory associates will review your selected Goal Portfolio Objective and/or Account Portfolio Objective to confirm it is appropriate based on considerations such as your net worth, risk tolerance, time horizon and/or investment goals. The funding of your Advisory Solutions UMA Models account will also be reviewed. If you have sold investments purchased at Edward Jones in order to fund the account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your understanding of Advisory Solutions UMA Models, including the fees and expenses you are or will be paying. While you are invested in Advisory Solutions UMA Models, we provide ongoing monitoring, including an annual review. The Asset Allocation Category, Target Ranges, and/or Eligible Investment weightings established for your Goal Portfolio Objective and/or Account Portfolio Objective are monitored on an ongoing basis and rebalanced according to Edward Jones’ guidelines and the services outlined for the type of Eligible Investment you hold in your Advisory Solutions UMA Models account. (For more information, please refer to “Client Services Agreement and Rebalancing.”) In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. You will receive a written account statement at least quarterly (monthly in months in which activity occurs in your account) containing a description of all activity in your account during the period, including all transactions, contributions, withdrawals, fees and the value of your account at the beginning and end of the period. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Our supervision and monitoring do not substitute for your own continued review and monitoring of your account and performance of your investments. You should review trade confirmations (as applicable), account statements and other information we send to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. At least annually, you and your financial advisor should discuss any changes to your financial situation, investment objectives and/or risk tolerance, and whether you would like to impose any Certain unaffiliated mutual fund companies, ETF sponsors, PAGE 30 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Alternative Investment asset managers, and/or SMA Managers on the list of Eligible Investments (or their investment advisers) may pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies may also participate in conferences or other marketing activities with Edward Jones and will generally share in the cost of those activities. Edward Jones has not entered into any agreement with any SMA Manager, ETF, mutual fund, Alternative investment, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on list of Eligible Investments or the selection of a sub-adviser for affiliated mutual funds. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which Eligible Investment to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. PAGE 31 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds Edward Jones Money Market Fund. Your Advisory Solutions UMA Models account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Bridge Builder Mutual Funds. Your Advisory Solutions UMA Models account may from time to time be invested in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub-advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable accounts. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that our clients maintain in the Money Market Fund. For any Advisory Solutions UMA Models account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. PAGE 32 OF 32 IAS-6486AE-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Branch Office Financial Planning Services Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure following our prior annual filing on February 14, 2025. • On May 2, 2025 we updated the brochure to reflect that, in some cases, home office licensed personnel will assist Edward Jones Financial Advisors in providing the Point in Time Financial Planning Service described in this brochure. • On May 2, 2025 we updated the brochure to reflect that the Point in Time Financial Planning Service is currently offered on a limited basis through a limited number of Financial Advisors. • On May 2, 2025 we updated the brochure to clarify that if you have separately directed Edward Jones to group your Edward Jones accounts together with accounts owned by others for the sole purpose of sharing financial and nonpublic personal information in furtherance of planning for financial goals and/or investing (collectively, a “Relationship Group”), the personal and financial information about you, including but not limited to information obtained or used for purposes of the Branch Office Financial Planning Services and your Financial Plan(s), will be shared with and accessible to each Relationship Group member and each authorized party of the grouped accounts. • On September 25, 2025 we updated the brochure to describe limited instances when the delivery date for an annual Financial Plan may be extended into the next occurring annual period. For more information, please refer to the Overview of the Ongoing Financial Planning Service section in Item 4: Advisory Services. • We are updating the Brochure to describe the maximum fee for the Point in Time Financial Planning Service, and that the fee may be discounted in Edward Jones’ sole discretion. For more information please refer to Item 5: Fees and Compensation Item 3: Table of Contents Item 1: Cover Page ............................................................................................................................................. 1 Item 2: Material Changes ................................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................................... 2 Item 4: Advisory Services ................................................................................................................................. 3 Item 5: Fees and Compensation ....................................................................................................................... 6 Item 6: Performance-Based Fees and Side-by-Side Management ............................................................... 7 Item 7: Types of Clients ..................................................................................................................................... 7 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 7 Item 9: Disciplinary Information........................................................................................................................ 7 Item 10: Other Financial Industry Activities and Affiliations ......................................................................... 8 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................. 9 Item 12: Brokerage Practices ............................................................................................................................ 9 Item 13: Review of Your Financial Plan ............................................................................................................ 9 Item 14: Client Referrals and Other Compensation ........................................................................................ 9 Item 15: Custody ............................................................................................................................................... 10 Item 16: Investment Discretion ....................................................................................................................... 10 Item 17: Voting Client Securities ..................................................................................................................... 10 Item 18: Financial Information ......................................................................................................................... 10 Item 19: Requirements for State-Registered Advisers ................................................................................. 10 Page 2 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Services Edward Jones is a registered broker-dealer and investment adviser. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones Branch Office Financial Planning Services (“Branch Office Financial Planning Services”), which is an investment advisory service. Services to you. Your Financial Advisor’s team can include other branch office based Financial Advisors, Associate Financial Advisors and/or other licensed personnel as well as, in the case of the Point in Time Financial Planning Service (as described below), home office based licensed personnel such as Wealth Strategists. References to your “Financial Advisor” in this Brochure include your Financial Advisor’s team. You should read this Brochure carefully and consult with your tax professional before you decide to engage Edward Jones for Branch Office Financial Planning Services. Edward Jones and its Financial Advisors act in the capacity of an investment adviser, and not a broker, when gathering information from you to create and discuss your plan. By providing Branch Office Financial Planning Services, neither Edward Jones nor its Financial Advisors or other personnel are acting as a fiduciary under the Employee Retirement Income Security Act of 1974 (“ERISA”) or section 4975 of the Internal Revenue Code of 1986. Edward Jones separately offers other financial planning services to certain high-net-worth clients enrolled in its Edward Jones Generations offering (“Generations Financial Planning”). Additionally, Edward Jones offers other investment advisory services (“Advisory Programs”) as well as separate brokerage services. The separate Generations Financial Planning service, Advisory Programs, and brokerage services are not described in this brochure and are not part of the Branch Office Financial Planning Services. Certain programs or offerings are only available through select financial advisors. You can obtain disclosure brochures about our other advisory services at edwardjones.com/advisorybrochures and our brokerage services at edwardjones.com/brokerageinformation. The decision to engage in Branch Office Financial Planning Services is yours. Before making this decision, you should determine whether the Branch Office Financial Planning Services are appropriate for your investment goals or needs. If you decide to engage in Branch Office Financial Planning Services, we will not begin providing you with such services until our acceptance and approval of a written agreement between you and Edward Jones (“Financial Planning Services Agreement”). In evaluating whether to enroll in Branch Office Financial Planning Services at Edward Jones, you should consider a number of factors, including that you may be able to obtain some or all of the same services through another investment adviser. Edward Jones currently provides two types of Branch Office Financial Planning Services: (1) the Point in Time Planning Service; and (2) the Ongoing Financial Planning Service. Because the Branch Office Financial Planning Services is an investment advisory service offered by Edward Jones as an SEC-registered adviser, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Branch Office Financial Planning Services to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Branch Office Financial Planning Services and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. Overview of the Point in Time Financial Planning Service While there are no specific minimum asset requirements to obtain the Point in Time Financial Planning Service, certain criteria such as whether you participate in an Edward Jones Advisory Program may determine your eligibility for the Point in Time Financial Planning Service. The Point in Time Financial Planning Service is currently offered on a limited basis through a limited number of Financial Advisors. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. The Branch Office Financial Planning Services The Branch Office Financial Planning Services are provided by Edward Jones as a registered investment adviser through its financial advisors (“Financial Advisors”). Some Financial Advisors are part of a team, and in such cases, other Financial Advisors and other licensed professionals that are part of your Financial Advisor’s team may act on your Financial Advisor’s behalf from time to time in providing Branch Office Financial Planning The Point in Time Financial Planning Service includes one or more consultations with your Financial Advisor who will analyze your situation and provide a personalized financial plan (“Financial Plan”) to you, which addresses, at a minimum, the following components: (1) goal planning, (2) cash and income planning, (3) portfolio and investment allocation, (4) risk and protection, and (5) estate and wealth transfer. The Financial Plan is based on information and documentation that you provide relating to your financial situation, investment objectives and goals, time horizon, risk tolerance and other pertinent factors. To obtain your Financial Plan, you must provide the requested information to us and attend a consultation or consultations with your Financial Advisor to provide or verify any requested information and documentation. Edward Jones and its Financial Advisors will rely on the information and documentation you provide to create your Financial Plan and will not independently Page 3 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com verify such information and documentation. relationship with your Financial Advisor which enables you to consult with your Financial Advisor about your Financial Plan as needed and revise your Financial Plan as needed based on changes to your Investment Profile or other information you communicate to your Financial Advisor (and/or members of your Financial Advisor’s team). Edward Jones and its Financial Advisors will rely on the information and documentation you provide initially to create your initial Financial Plan and thereafter to review and update your Financial Plan. Upon your enrollment in the Ongoing Financial Planning Service, you will receive written confirmation of your enrollment in the Ongoing Financial Planning Service, the estimated renewal date for your Financial Plan (“Renewal Date”) and the annual fee you will pay for the service on your Renewal Date. You will receive written notice of the Annual Fee prior to the date the Annual Fee will be charged to you. Please contact your Financial Advisor or Edward Jones if you do not receive the written notice prior to your Renewal Date. The Point in Time Financial Planning Service is provided on a discrete basis and at a point in time and does not involve ongoing advice. This means the Point in Time Financial Planning Service is provided to you based on your needs at a particular point in time and there is no ongoing monitoring of your situation or needs. Edward Jones, your Financial Advisor and other Edward Jones personnel will not monitor your Financial Plan, your progress toward an investment goal or update any financial planning analysis on an ongoing basis, and will not ensure, in any way, that you follow through with any recommendations made in your Financial Plan. It is important for you to monitor your personal situation and current events, such as changes in tax laws and financial markets. You should consult with your tax advisor or CPA on all tax-related matters and with your attorney on all legal matters before taking any action suggested in the Financial Plan. Edward Jones reserves the right to limit, modify or discontinue offering the Point in Time Financial Planning Service at any time. Your participation in the Point in Time Financial Planning Service will terminate automatically upon the delivery of the completed Financial Plan to you. You, Edward Jones or your Financial Advisor may terminate your participation in the Point in Time Financial Planning Service prior to your receipt of the completed Financial Plan at any time. If either you, your Financial Advisor or Edward Jones provides written notice of termination, you will no longer receive the Point in Time Financial Planning Service as of the date of termination. Overview of the Ongoing Financial Planning Service To be eligible for the Ongoing Financial Planning Service, you must have at least $250,000 enrolled in one or more Edward Jones Advisory Program(s) or be a member of a Planning Group (as defined below) where all members of the Planning Group are Edward Jones clients and at least one member of the Planning Group has at least $250,000 enrolled in one or more Edward Jones Advisory Program(s). This asset threshold is used for purposes of determining eligibility for the Ongoing Financial Planning Service only and the advice and recommendations you receive through the Ongoing Financial Planning Service are separate from the advice and recommendations provided through the Advisory Program services you receive. Each Financial Plan you receive as part of the Ongoing Financial Planning Service, both initially and thereafter, is current as of the date set forth on the Financial Plan. While you have ongoing access to your Financial Advisor to revisit your Financial Plan in exchange for the fees described herein, Edward Jones, your Financial Advisor and other Edward Jones personnel will not continuously monitor your Financial Plan nor update your Financial Plan unless you direct it to be updated. Rather, your Financial Plan generally will be updated annually, or at such time as you direct it to be updated, based on information you disclose to your Financial Advisor, such as updates to your Investment Profile, progress toward your identified investment goals or changes to your goals as well as updates to any financial planning analysis in your Financial Plan(s). While it is anticipated that you will receive an updated Financial Plan at least once per year, in limited instances at your or your Financial Advisor’s request, the delivery date for an annual Financial Plan may be extended (a “Plan Delivery Extension”). Typically, a Plan Delivery Extension will not extend more than three (3) months into next occurring annual period. For example, during a Plan Delivery Extension, an annual Financial Plan due to be delivered by January 31, 2026 may instead be delivered to you by April 30, 2026. In the event of a Plan Delivery Extension, your next annual Financial Plan typically will be delivered by the end of the same annual period (i.e., using the foregoing example, your next annual plan typically will be delivered by January 31, 2027). The Annual Fee will continue to be charged to you as set forth in Item 5 regardless of the Plan Delivery Extension. It is important for you to monitor your personal situation and current events, such as changes in tax laws and financial markets. You should consult with your tax advisor or CPA on all tax-related matters and with your attorney on all legal matters before taking any action suggested in the Financial Plan. The Ongoing Financial Planning Service includes a completed Financial Plan, and periodic updates to the Financial Plan (generally, at least once per year), which address at a minimum, the following components: (1) goal planning, (2) cash and income planning, (3) portfolio and investment allocation, (4) risk and protection, and (5) estate and wealth transfer, and is based on one or more consultations with your Financial Advisor (and/or members of your Financial Advisor’s team) and the information and documentation you provide relating to your financial situation, investment objective and goals, time horizon, risk tolerance and other pertinent factors (collectively, your “Investment Profile”). In addition, you will receive an ongoing You may terminate the Ongoing Financial Planning Service by providing written notice to your Financial Advisor. Edward Jones reserves the right to limit, modify or discontinue offering the Ongoing Financial Planning Service upon written notice to Page 4 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com enrolled clients. Please see Item 5 below and the Financial Planning Services Agreement for information on the circumstances under which Edward Jones will refund the Annual Fee to you in the event you terminate the service or Edward Jones discontinues the service. Implementation. Each Financial Plan you receive through the Branch Office Financial Planning Services provides general asset allocation guidance. Implementation, or execution, of the asset allocation guidance and other recommendations contained in the Financial Plan(s) you receive is not part of Branch Office Financial Planning Services. You should carefully consider all relevant factors before deciding how or whether to implement the asset allocation guidance and recommendations contained in the Financial Plan(s). Any asset allocation guidance shown in the Financial Plan(s) could differ from the actual allocation provided through Edward Jones Advisory Programs and/or brokerage services. You are also not obligated to use Edward Jones or its Financial Advisors to implement your Financial Plan. If you choose to implement some or all of your Financial Plan through Edward Jones, you will have the option of investing through a commission-based brokerage account, a fee-based investment advisory account or both. Edward Jones will act as a broker- dealer or investment adviser depending on the products and services you select. Details about brokerage and investment advisory offerings, including charges, fees and expenses associated with them, are set forth in other agreements and disclosures available through your financial advisor and at edwardjones.com/disclosures. The Financial Plan Scope of the Financial Plan. Each Financial Plan you receive, either through the Point in Time Financial Planning Service or the Ongoing Financial Planning Service, generally will address goal identification and prioritization, the estimated probability of reaching your identified goal(s), cash and income planning, portfolio and investment allocation, and risk and protection planning considerations. Depending on the complexity of your financial situation, a Financial Plan may also help you evaluate financial needs such as retirement income, college savings, wealth protection, employee benefits planning (e.g., equity compensation arrangements), and tax or estate planning considerations. Although you may be provided with certain tax-related or estate planning-related information, Edward Jones and your Financial Advisor do not give tax or legal advice. Each Financial Plan also will suggest a general asset allocation based on your stated risk tolerance, age, investment time horizon and experience. Each Financial Plan is current as of the date specified on the report provided. Groupings. In some cases, the Financial Plan(s) you receive through the Branch Office Financial Planning Services can address the combined needs of a group of individuals (a “Planning Group”), inclusive of your identified planning needs and the identified planning needs of the other members of the Planning Group. If you qualify for Branch Office Financial Planning Services at the Planning Group level and desire to obtain such services, you and the other members of the Planning Group also must each enter into a Financial Planning Services Agreement and all members of the Planning Group, including you, must consent to share certain personal and financial information with your Financial Advisor(s), and the other members of the Planning Group. If you invest through a brokerage account, you pay commissions and other charges (such as sales loads on mutual funds) at the time of each individual securities transaction. As a result, this type of account may be more appropriate than an investment advisory services account if you do not expect to trade on a regular basis and do not want ongoing investment advice on assets held in an investment advisory services account(s). For investment advisory services accounts, you pay an ongoing asset-based fee (rather than a commission on each individual transaction) for investment advisory services such as investment selection, asset allocation, execution of transactions, custody of securities and account reporting services. The asset-based fee is assessed monthly, in arrears. As a result, an investment advisory services account may be more appropriate than a brokerage account if you want ongoing investment advice and expect to trade more frequently. Edward Jones is the sponsor, broker and investment adviser for a variety of Advisory Programs. Your Financial Advisor may not offer all Advisory Programs at Edward Jones. Please speak with your Financial Advisor for more information on these separate services. Additionally, the analysis in the Financial Plan related to accounts that you hold outside of Edward Jones (“Outside Accounts”) is limited to general asset allocation guidance and does not include specific investment recommendations. Edward Jones and its Financial Advisors do not provide advice or specific investment recommendations on Outside Accounts. Edward Jones and its Financial Advisors are under no obligation to take into account information about your Outside Accounts when providing other brokerage and/or advisory services to you, including but not limited to services provided in connection with your implementation of the Financial Plan. There may be limitations, as determined by Edward Jones, regarding the number of people in a Planning Group, Additionally, if you have separately directed Edward Jones to group your Edward Jones accounts together with accounts owned by others for the sole purpose of sharing financial and nonpublic personal information in furtherance of planning for financial goals and/or investing (collectively, a “Relationship Group”), then personal and financial information about you, including but not limited to information obtained or used for purposes of the Branch Office Financial Planning Services and your Financial Plan(s), will be shared with and accessible to each Relationship Group member and each authorized party of the grouped accounts. Your Relationship Group may include more members and authorized parties than your Planning Group. The members and authorized parties of your Relationship Group will be reflected on the account statements you receive from Edward Jones or, if you do not have an account at Edward Jones, through separate correspondence you receive from Edward Jones. Page 5 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com you on or prior to each successive Renewal Date. In the event Edward Jones increases the Annual Fee, the change will be subject to the notice and consent provisions set forth in the Financial Planning Services Agreement. Depending on when you enroll, different payment options may be available to you, including, but not necessarily limited to, paying in quarterly installments. Your method of payment will be selected when you sign the Authorization and Agreement Form. If you elect to pay the Annual Fee in quarterly installments per annum, the fee must be deducted from an eligible account held at Edward Jones. Customized Advisory Services The Financial Plan will cover the topics discussed above in Item 4.B. to the extent applicable to your circumstances. The Financial Plan will be customized to your individual needs and circumstances. As described above, we rely on the information and documentation you provide to create your Financial Plan. This information and documentation will be the factual basis in forming your Financial Plan. The information gathered during the financial planning process will not be used to make investment recommendations in any Edward Jones accounts. A. Client Restrictions We do not provide specific investment recommendations as part of the Branch Office Financial Planning Services. Therefore, this item is not applicable to the Branch Office Financial Planning Services. B. Portfolio Management Services to Wrap Fee Programs This item does not apply to the Branch Office Financial Planning Services. C. Assets Under Management If your participation in the Ongoing Financial Planning Service is terminated by you or Edward Jones, you will not be entitled to a refund of any fees paid to Edward Jones for an annual period in which you have received a completed Financial Plan, inclusive of a Plan Extension Delivery if applicable. If you have not yet received a completed Financial Plan for a current annual period and have paid some or all of your Annual Fee already, you may be entitled to a refund of the fees paid during the active planning year if your Financial Advisor has not completed at least three of the five components of your annual Financial Plan described in Item 4A. above. The amount of such a refund will be at the discretion of Edward Jones. If your annual Financial Plan is subject to a Plan Delivery Extension and you have not received a completed Financial Plan by the end of the Plan Delivery Extension period, regardless of whether at least three of the five components have been completed, Edward Jones will refund the amount of the Annual Fee you have paid during such annual period inclusive of the Plan Delivery Extension period. While this information does not apply to the Branch Office Financial Planning Services, as of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564739 in non-discretionary assets across all of our Advisory Programs. Item 5: Fees and Compensation Additional Fees and Expenses. There are no additional fees or expenses for the Branch Office Financial Planning Services. There are additional fees and expenses associated with implementing a Financial Plan in an advisory account, a brokerage account or a combination of advisory and brokerage accounts. Your Financial Advisor can provide you with that information upon your request. Fees The fees for the Branch Office Financial Planning Services are payable in advance. Your fee may be lower than the maximum fee listed if Edward Jones or your financial advisor negotiates a lower fee. Reducing the fee is at the sole discretion of Edward Jones. While the maximum fee for each Branch Office Financial Planning Services is set forth herein or in a separate fee disclosure, the fee you ultimately pay for the service you elect will be set forth on the Financial Planning Services Authorization and Agreement Form (“Authorization and Agreement Form”) that you sign at the time of enrollment. Point in Time Financial Planning Service Fee. The maximum fee for the Point in Time Financial Planning Service is $3600 but may be discounted in Edward Jones’ discretion. The fee will be billed to you after you sign the Authorization and Agreement Form. Depending on when you enroll, different payment options may be available to you. Your method of payment will be selected when you sign the Authorization and Agreement Form. Compensation for the Sale of Securities or Other Investment Products Edward Jones generally pays a portion of the fees described above to your Financial Advisor. Additionally, as described above, the Branch Office Financial Planning Services do not include specific investment recommendations or implementation of the guidance or other recommendations provided in the Financial Plan. If you choose to implement your Financial Plan through Edward Jones by purchasing, selling or enrolling in products and services available through Edward Jones, your purchase, sale or enrollment in such products and services will result in revenue to Edward Jones and its affiliates. You will pay the fees and costs associated with the purchase or sale of such products and services. Additionally, your Financial Advisor may recommend that you purchase, sell or enroll in products and services available through Edward Jones. Such recommendations are not part of the Branch Office Financial Planning Services. Your Financial Advisor will benefit by earning compensation when you purchase, sell or enroll in products and services available through Edward Jones. These financial incentives create a conflict Ongoing Financial Planning Service Fee. The maximum fee for the Ongoing Financial Planning Service is $3,600 per year (“Annual Fee”) but may be discounted in Edward Jones’ discretion. The initial Annual Fee will be billed to you after you sign the Authorization and Agreement Form. Generally, the Annual Fee for each successive annual period will be billed to Page 6 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Results in your Financial Plan are also derived from Monte Carlo simulations. This simulation model calculates numerous possible outcomes to help forecast events and investment performance. Even though there is in-depth analysis behind these scenarios, there is no guarantee the model will predict what asset classes will return in the future, and returns may be significantly different than shown in your Financial Plan. between Edward Jones’ interest, your Financial Advisor’s interest and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your Financial Advisor’s recommendations to you. Additionally, Financial Advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. Please refer to the “Understanding how we are compensated for financial services” document found at edwardjones.com/compensation for more information about how Edward Jones, its Financial Advisors and affiliates are compensated. Wealth Strategists are compensated through salary, bonuses and profit-sharing distributions based on the profitability of the firm. Risk of Loss Your financial and personal situation will change over time, including as you approach your financial goals, and you should revisit your Financial Plan and the asset allocation for your accounts periodically in light of changes in your circumstances and financial situation. The Branch Office Financial Planning Services do not include monitoring, implementing or updating the advice or investment strategies recommended in your Financial Plan on an ongoing basis. It is your responsibility to diligently review your Financial Plan periodically and make changes to your investment strategy, including rebalancing your investments as needed to meet your portfolio objectives. You have the option to implement your Financial Plan through other investment advisers. As such, you should consider that the fees you pay for such products and services at Edward Jones may be lower or higher than if purchased through another financial institution. Item 6: Performance-Based Fees and Side- by-Side Management Edward Jones and its supervised persons do not receive performance-based fees in connection with this service. Item 7: Types of Clients There is no guarantee that you will meet your goals or the expected returns if you invest based on the recommendations in your Financial Plan. All investment strategies and investments involve risk. Any advice or recommendations provided within your Financial Plan, if implemented, may result in one or more accounts being worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your investment objectives will be achieved. Item 9: Disciplinary Information Generally, the Branch Office Financial Planning Services are available only to residents of the United States and certain U.S. territories. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Methods of Analysis and Investment Strategies Edward Jones collects information from you such as your goals and purpose for investing, assets, risk tolerance, time horizon (time frame over which you will be accumulating and/or distributing your investments), and other personal and financial information. This information is used in our financial planning software and analytical tools to help create your Financial Plan. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. The analysis contained in your Financial Plan is based on Edward Jones’ long-term capital market assumptions for each asset class. This includes an analysis of historical trends and our global outlook to assist in projecting long-term expected investment performance. Our capital market assumptions include estimates for the risk and return of each asset class, and how asset classes may perform in relation to one another. They are developed by a team of investment professionals through a variety of quantitative modeling techniques and qualitative insights and are subject to change over time based on our analytical judgment. Our asset class capital market assumptions are used to derive the strategic asset allocation guidance and performance expectations used within your Financial Plan. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports Page 7 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 10: Other Financial Industry Activities and Affiliations Edward Jones and our affiliates perform services outside of the Branch Office Financial Planning Services, including opening advisory accounts through our Advisory Programs, the execution of brokerage transactions through brokerage accounts (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), lending, the participation in principal transactions and certain underwritings, and other brokerage and investment advisory services. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services outside of the Branch Office Financial Planning Services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products through Edward Jones. Accordingly, we will offer you the option to implement your Financial Plan through Edward Jones in a brokerage or advisory capacity depending on your needs and the level of service you want. You have the sole responsibility for determining if you want to implement some or all of your Financial Plan with Edward Jones and are under no obligation to do so. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families that may be recommended if you implement your Financial Plan with Edward Jones. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing creates a conflict of interest in the form of additional financial benefits to us, our Financial Advisors and equity owners. For more information regarding revenue sharing, please visit edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the Page 8 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of affiliated mutual funds available through Edward Jones. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. If you choose to implement your Financial Plan with Edward Jones, please review all agreements and disclosures associated with the investment solutions to understand how they work, the fees, charges and expenses you will pay, and information about conflicts of interest. Edward Jones Trust Company (“EJTC”), a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Edward Jones programs. Item 12: Brokerage Practices Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. If you wish to use Edward Jones to implement your Financial Plan, you should discuss this with your Financial Advisor to determine which accounts best suit your needs for purposes of implementation. Additional disclosures on brokerage practices will be provided if you choose to open an account with Edward Jones. If you already have an account with Edward Jones, please refer to the disclosures you already received on brokerage practices or you may request a copy from your Financial Advisor. You may also see edwardjones.com/brokerageinformation. Item 13: Review of Your Financial Plan JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. Point in Time Financial Planning Service. Your Financial Plan will not be periodically reviewed or monitored by your Financial Advisor on an ongoing basis. After your Financial Plan is delivered to you, it is your responsibility to periodically review your plan and it is your choice whether to implement any or all of your plan. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: Ongoing Financial Planning Service. As described in Item 4, after you receive your initial Financial Plan, your Financial Advisor will attempt to set up a consultation with you annually to revisit your Financial Plan. Neither your Financial Advisor nor Edward Jones will independently review or monitor your Financial Plan on an ongoing basis as described in Item 4. • Act with integrity and in an ethical manner with you and all of our clients • Place your and all of our clients’ interests first After your Financial Plan(s) are delivered to you, initially and with each time thereafter, it is your responsibility to periodically review your current plan and it is your choice whether to implement any or all of your plan. • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them Item 14: Client Referrals and Other Compensation • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may receive as a result of their employment with Edward Jones From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The Page 9 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com implement some or all of your Financial Plan through Edward Jones, your assets will be held at Edward Jones as a broker- dealer or Edward Jones Trust Company, depending on the type of account(s). If you implement your Financial Plan through existing accounts at Edward Jones, or open accounts at Edward Jones to implement your Financial Plan, please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. Item 16: Investment Discretion compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Annual Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. Edward Jones does not have investment discretion as part of the Branch Office Financial Planning Services. Neither Edward Jones nor its Financial Advisors will act upon such recommendations or advice resulting from the Financial Plan unless requested by you to do so. If you choose to implement your Financial Plan with Edward Jones, you can do so in one or more brokerage or advisory accounts. If you decide to implement your plan in one of Edward Jones’ discretionary Advisory Programs, you will be giving Edward Jones discretionary investment and trading authority over such account(s). Refer to the specific Advisory Program brochures for more detail at edwardjones.com/ advisorybrochures. Item 17: Voting Client Securities Edward Jones does not vote client securities as part of the Branch Office Financial Planning Services. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. Item 18: Financial Information This section does not apply to Edward Jones. Item 19: Requirements for State-Registered Advisers From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. This section does not apply to Edward Jones. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for Financial Advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of available investments offered by Edward Jones. Our Financial Advisors are not allowed to consider a product partner’s sponsorship of a marketing activity when providing advice or making any recommendation. Item 15: Custody Edward Jones does not take custody of your assets as part of the Branch Office Financial Planning Services. If you choose to Page 10 of 10 LGL-18036E-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.

Edward Jones Financial Advisor Managed Solutions® Account Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that were made to this brochure following our prior annual filing on February 14, 2025: • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please refer to Termination of Your Participation in Financial Advisor Managed Solutions in Item 4: Services, Fees and Compensation for more information. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 3 Item 4: Services, Fees and Compensation ....................................................................................... 3 Item 5: Account Requirements and Types of Clients ......................................................................13 Item 6: Financial Advisor Managed Solutions Investment Selection and Evaluation ..................14 Item 7: Client Information Provided to Edward Jones ....................................................................18 Item 8: Client Contact with Edward Jones .......................................................................................18 Item 9: Additional Information ...........................................................................................................18 A. Disciplinary Information and Other Financial Industry Activities and Affiliations. ............................ 18 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ........................... 19 Item 10: Requirements for State-Registered Advisers ...................................................................21 Appendix A: Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ............. 23 Page 2 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Need advice and guidance when making investment decisions Item 4: Services, Fees and Compensation • Are at ease with a Financial Advisor making day-to-day investment decisions for their account • Are willing to follow a disciplined investment strategy • Are comfortable paying monthly, asset-based (percentage) fees for investments and advice rather than individual, transaction- based commissions or sales charges Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about the Edward Jones Financial Advisor Managed Solutions® account, the fees charged for our services and our business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in Financial Advisor Managed Solutions. In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately through Edward Jones or another broker-dealer or investment adviser. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and some have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your Edward Jones financial advisor (“Financial Advisor”) or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Because Financial Advisor Managed Solutions is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Financial Advisor Managed Solutions to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Financial Advisor Managed Solutions and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in Financial Advisor Managed Solutions may be lower or higher than if you purchased the investments or services separately at Edward Jones or through another broker-dealer or investment adviser. Financial Advisor Managed Solutions accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are the amount of trading activity you have in your accounts and the corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account as well as the type of advice you desire. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. For example, the Financial Advisor Managed Solutions Fee described below will reduce the return you earn on investments held in your account. If the Financial Advisor Managed Solutions Fee exceeds the overall return on your investments, you will experience negative performance in your account. Additionally, it typically will cost you more, and Edward Jones and its Financial Advisors will receive more revenue, when you hold duration-based investments to maturity or over time in a Financial Advisor Managed Solutions account rather than in a commission-based brokerage account at Edward Jones (e.g., CDs, bonds and cash equivalents). As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $ 578,967,564,739 in non-discretionary assets across all of our advisory programs. The decision to invest in Financial Advisor Managed Solutions is yours. Before making this decision, you and your Financial Advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. Financial Advisor Managed Solutions Overview Financial Advisor Managed Solutions is a discretionary advisory program sponsored by Edward Jones designed to provide the client with ongoing investment advice, guidance and services for an asset- based fee. Financial Advisor Managed Solutions permits investment in various eligible investments (as defined and described more fully below under “Eligible Investments”), including eligible stocks, mutual funds, exchange-traded funds (“ETFs”), bonds, CDs and cash equivalents. Before investing in Financial Advisor Managed Solutions, you should decide if you are comfortable delegating the day-to-day management of your account. Investors in Financial Advisor Managed Solutions typically: When you enroll in Financial Advisor Managed Solutions, you Page 3 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. If your account is not assigned to a goal established at Edward Jones, then we will recommend an account portfolio objective for your account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments (your “Account Portfolio Objective”). If your account is assigned to a goal established at Edward Jones, then we will recommend that you select an Account Portfolio Objective that is appropriate for the portfolio objective you selected for your goal (your “Goal Portfolio Objective”). grant Edward Jones the authority to exercise investment and trading discretion for your enrolled account as described more fully below under “Investment and Trading Discretion.” Your Financial Advisor will exercise this authority over your account as an investment adviser representative of Edward Jones and is your primary point of contact for Financial Advisor Managed Solutions. Some Financial Advisors are part of a team, and in such cases, other Financial Advisors and other licensed professionals that are part of your Financial Advisor’s team may act on your Financial Advisor’s behalf from time to time. Such services include but are not limited to exercising investment and trading discretion for your account as investment adviser representatives of Edward Jones. Accordingly, with respect to granting Edward Jones discretionary authority in Financial Advisor Managed Solutions, references to your “Financial Advisor” in this Brochure include your Financial Advisor’s team. Additionally, there may be circumstances where Edward Jones’ home office may take action with respect to your account, including but not limited to exercising investment and trading discretion for your account, where required to take such action under Edward Jones’ policies and procedures. You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Edward Jones will have no authority to change your Account Portfolio Objective without your instruction. To change your Account Portfolio Objective, you must meet with your Financial Advisor to select a new Account Portfolio Objective. If you decide to invest in Financial Advisor Managed Solutions, we will not begin providing you advisory services until (a) our acceptance and approval of a written Client Services Agreement (“CSA”) between you and Edward Jones, and (b) funding of the account at the initial minimum investment as determined by Edward Jones. Your grant of discretionary authority over your Financial Advisor Managed Solutions account to Edward Jones means that your Financial Advisor (and your Financial Advisor’s team to the extent your Financial Advisor is part of a team) and Edward Jones’ home office will have the authority to buy and sell investments for your account on an ongoing basis and take other trading actions without first consulting with you for so long as you are enrolled in Financial Advisor Managed Solutions as described more fully below under “Investment and Trading Discretion.” Your Account Portfolio Objective determines the recommended asset allocation and investment category ranges (“Target Ranges”). In addition, Edward Jones’ applies certain guidelines designed to monitor your Financial Advisor Managed Solutions account for alignment with your Account Portfolio Objective (“Investment Diagnostics”). The Investment Diagnostics pertain to certain factors including, but not limited to, asset allocation, security and equity sector concentration, bond diversification and fixed-income laddering. One or more Investment Diagnostics assess holdings in your other Edward Jones accounts, if any, assigned to the same goal as your Financial Advisor Managed Solutions account. Please contact your Financial Advisor to learn more about how Investment Diagnostics help you achieve your financial goals. The recommended Target Ranges, as well as Investment Diagnostics, are determined solely by Edward Jones and can be modified by Edward Jones without prior notice. Account Portfolio Objectives in Financial Advisor Managed Solutions currently include: All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. Edward Jones retains the authority to remove your Financial Advisor at any time from Financial Advisor Managed Solutions. In such event, we will attempt to contact you and will offer, subject to your direction and consent, to transfer your account to another advisory program offered by Edward Jones. If you decide to enroll in a new advisory program, you may be required to complete and execute additional documents and agreements to enroll in the new advisory program and you will be subject to the terms and conditions and fee schedule applicable to the new advisory program. If we are unable to contact you or you fail to respond to our offer within a reasonable period of time, we may elect to terminate your account (see “Termination of your Financial Advisor Managed Solutions account” for more information). Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. Selecting Your Account Portfolio Objective. In order to invest in Financial Advisor Managed Solutions, you will complete a Client Profile that contains important information about your account, which generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance and other financial information. Your time horizon will reflect the expected time frame over which you plan to invest (and Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it Page 4 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com should have moderate to higher risk. Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. Edward Jones constructs and periodically reviews the recommended Target Ranges for each Account Portfolio Objective in Financial Advisor Managed Solutions. Due to various influences such as changing market conditions or a reclassification of an Eligible Investment (defined below) to a different asset class, we may change the Target Ranges of an Account Portfolio Objective. If we change the Target Ranges for your Account Portfolio Objective, your Financial Advisor will restore the alignment of your investments with your Target Ranges, if necessary. For more information, see “Account Alignment” below. Edward Jones that primarily includes stocks, affiliated mutual funds, unaffiliated mutual funds and exchange-traded funds (“ETFs”), across a variety of asset classes, as well as bonds, CDs and cash equivalents. “Affiliated mutual funds” refers to mutual funds managed by an affiliate of Edward Jones, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”). Generally, you may purchase affiliated mutual funds in Financial Advisor Managed Solutions. However, Edward Jones may prevent the purchase of certain affiliated mutual funds unless you already hold shares of those mutual funds and transfer them into your Financial Advisor Managed Solutions account(s). Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Certain Eligible Investments are only available in taxable accounts. Additionally, certain Eligible Investments for Financial Advisor Managed Solutions are also available in the non-discretionary Guided Solutions Flex program but may not be offered in our other advisory programs. Cash balances awaiting investment or reinvestment in your account will be automatically swept into the Edward Jones Money Market Fund (“Money Market Fund”), which is an affiliated fund of Edward Jones as described later in this Brochure, where they will be held until invested in an Eligible Investment. The Money Market Fund is not available to purchase as an Eligible Investment. For information about conflicts of interest associated with Edward Jones relating to cash in your Financial Advisor Managed Solutions account, please see Item 6. Creating Your Initial Asset Allocation After you have selected your Account Portfolio Objective, your Financial Advisor will choose from among the investment options available for Financial Advisor Managed Solutions (“Eligible Investments”) to implement your Account Portfolio Objective. When analyzing investments and making investment and trading decisions for your account, we rely on a variety of different sources of information. Such sources may include research conducted by Edward Jones that covers a wide range of Eligible Investments and investment research reports issued by firms that are not affiliated with us. Your account’s asset allocation may include a cash allocation invested in one or more third-party money market fund(s). In certain instances, such as instances of market volatility or uncertainty, your Financial Advisor may determine to increase the amount of cash you hold in your portfolio. The portion of your Financial Advisor Managed Solutions account that is held in the Money Market Fund or other cash vehicles will be included in the calculation of your Financial Advisor Managed Solutions Fee (defined below). CDs are treated as fixed-income investments for purposes of your asset allocation and not cash. Please refer to Appendix A for more information about the Money Market Fund. In addition, certain Edward Jones investment tools are used as a preliminary basis for selecting certain Eligible Investments that align with your Account Portfolio Objective. The use of such investment tools does not guarantee the performance of your account or any investments therein or protect against potential investment losses. Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your Financial Advisor if you are interested in learning more about such investments available for Financial Advisor Managed Solutions and the associated risks. Edward Jones and your Financial Advisor will be responsible for monitoring your account on an ongoing basis, including directing the buying and selling of investments in your account and as necessary bringing your account into alignment with the Target Ranges for your Account Portfolio Objective. As a result, the specific investments and asset allocation for your account may change over time, and deviate substantially from your initial asset allocation, to reflect the realignment of your portfolio with our advice. Eligible Investments. Financial Advisor Managed Solutions includes an extensive list of Eligible Investments selected by There is no guarantee that an Eligible Investment will perform in any particular manner. Past performance is not a guarantee of future results. Details about the mutual funds and/or ETFs in your Page 5 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com in tax consequences as well as additional fees and expenses. Your Financial Advisor is not responsible under the terms of Financial Advisor Managed Solutions for monitoring your other Edward Jones accounts, if you have them, on an ongoing basis. However, if you have multiple Edward Jones accounts that are linked to a Goal Portfolio Objective, your Financial Advisor may recommend that you consider placing a trade in one or more of your other Edward Jones accounts, rather than realigning your Financial Advisor Managed Solutions account, in order to address certain Investment Diagnostics. account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF (collectively, “fund prospectus and other fund documents”). It is important that you read these documents before investing. Investment restrictions may prevent or limit the purchase or continued purchase of certain Eligible Investments. Situations include but are not limited to restrictions that prevent purchases of an Eligible Investment and restrictions that only permit current holders of the Eligible Investment to continue making purchases, subject to parameters set forth by Edward Jones. Where you place trades in a brokerage account that could be placed in your Financial Advisor Managed Solutions account or another fee-based investment advisory account at Edward Jones, a conflict of interest exists as Edward Jones and your Financial Advisor will earn compensation on the transactions, such as commissions and/or mark-ups or mark-downs, that you would not bear if such transactions were placed in your Financial Advisor Managed Solutions account or another fee-based account at Edward Jones. Such transaction fees would be in addition to the asset-based advisory fee that you pay for assets held within your Financial Advisor Managed Solutions account or other fee-based account at Edward Jones. Ineligible Investments. You will not be able to hold any investment in your account that Edward Jones has deemed ineligible for Financial Advisor Managed Solutions, that becomes sell-rated at Edward Jones or that is unavailable for your Account (collectively, “Ineligible Investments”). If the initial funding for your account includes Ineligible Investments, the Ineligible Investments will be sold from your account unless you instruct your Financial Advisor to transfer the assets to another account at Edward Jones eligible to hold such investments prior to the establishment of your initial asset allocation. In the event that Edward Jones re-categorizes an investment from an Eligible Investment to an Ineligible Investment or you transfer Ineligible Investments into your Account after the establishment of the initial asset allocation for your account, such Ineligible Investments will be sold from your account within the time frame established for Financial Advisor Managed Solutions, as determined by Edward Jones, in our sole discretion. Investment and Trading Discretion. When you decide to invest in Financial Advisor Managed Solutions, you will sign a CSA indicating that you agree to all of its terms and conditions. You cannot change or amend the CSA in any way. By signing the CSA, you give Edward Jones discretionary investment and trading authority over your account. You do not give us the authority to choose or change your Account Portfolio Objective. Until an Ineligible Investment that was previously categorized as an Eligible Investment is replaced, there is a possibility that additional shares of the Ineligible Investment may be purchased. Such purchase(s) may occur in certain instances including, but not limited to, when dividend reinvestments occur. The purchase of additional shares of an Ineligible Investment and the eventual mandatory removal of such shares may result in a taxable event. The discretionary investment and trading authority you give us includes the authority for your Financial Advisor and other Edward Jones personnel (as described in Item 4) to manage your assets on a discretionary basis by buying and selling investments for your account whenever your Financial Advisor or other Edward Jones personnel deem appropriate and without your approval of each transaction, including but not limited to: • Buying and selling Eligible Investments for your account; • Replacing an Eligible Investment in your account with another Eligible Investment; • Selling Ineligible Investments from your account to fund purchases of Eligible Investments; • Changing an asset allocation at any time, provided such Investment Restrictions. You can request your Financial Advisor restrict the purchase of specific securities in your Financial Advisor Managed Solutions account so long as the restrictions are reasonable as determined by us and your portfolio can be maintained within the Target Ranges when the restrictions are applied. You cannot impose restrictions on categories of specific securities (e.g., tobacco or alcohol companies) or the actual securities in which underlying mutual funds or ETFs invest. When a security is restricted from purchase, your account performance may be adversely impacted. changes are consistent with your selected Account Portfolio Objective or goal; • Using discretion as to the time Edward Jones will make a trade in your account and the price we will pay for investments in accordance with our obligation of best execution; • Aggregating trades; • Investing funds and reinvesting dividends, capital gains and proceeds earned by your account into Eligible Investments; • Deducting cash or selling money market shares and other Account Alignment. Your Financial Advisor will review your account periodically and realign your account with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. Realignment may include buying one or more investments in your account and/or selling one or more investments and reinvesting the proceeds in your account. In certain instances, Edward Jones may take action in place of your Financial Advisor to realign your Financial Advisor Managed Solutions account in accordance with the Target Ranges or Investment Diagnostics. Account alignment transactions may result assets for the Financial Advisor Managed Solutions Fee and Page 6 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com deducting the proceeds from your account to pay Edward Jones your Financial Advisor Managed Solutions Fee; • Determining the appropriate mutual fund share classes for Financial Advisor Managed Solutions, which may not be the lowest-priced share class available in the particular mutual fund; • Exchanging mutual fund shares into another mutual fund share class; • Implementing any reasonable restrictions; • Terminating your CSA at any time; equitable over time, this may result in clients receiving different prices. In addition, if the volume or size of redemptions required to be effected as a result of re-categorizing a mutual fund from an Eligible Investment to an Ineligible Investment exceeds the limits set forth in the mutual fund’s trading policies and procedures, the mutual fund may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on a random allocation process to effect the redemptions over time in a manner consistent with the limits set forth in the mutual fund’s trading policies and procedures. • Liquidating the Eligible Investments in your account that cannot be held outside of your Financial Advisor Managed Solutions account if your CSA is terminated; and • Converting mutual fund shares from an existing share class to Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. a share class available outside of your Financial Advisor Managed Solutions account if your CSA is terminated. If you elect to enroll in one or more systematic investing programs for your account as set forth in the CSA, Edward Jones will automatically purchase, sell or exchange certain securities as determined by your Financial Advisor on a periodic basis. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in trades between your account and an Edward Jones error account. When using an error account, we engage in principal transactions. This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. The discretionary investment and trading authority you give to Edward Jones can be exercised by Edward Jones and its Financial Advisors at any time and without prior notice to you. It does not include the ability to withdraw, disburse or transfer funds or securities from your account, which will continue to require your prior authorization except with respect to the payment of the Financial Advisor Managed Solutions Fee Principal Trading. Edward Jones may execute trades for Financial Advisor Managed Solutions accounts as principal by selling a security from our inventory to you to correct trades originally executed in an agency capacity or purchasing a security from you for our inventory in connection with fractional share liquidations following your consent and direction. Principal transactions cause a conflict between Edward Jones’ and your interests, including when Edward Jones generates additional revenue due to market movement, resulting in gains on our inventory positions. In certain principal transactions, Edward Jones will provide required disclosures and obtain your verbal or written consent and direction prior to the trade. Brokerage Services. When Edward Jones executes trades for your account, we are not acting as an investment adviser, but solely as a broker-dealer. Trading in your account will be subject to our trading policies and practices. You will not be charged trade commissions or mark-ups for Financial Advisor Managed Solutions trades. However, Financial Advisor Managed Solutions may cost you more or less than purchasing advisory services and brokerage services separately, depending on certain factors such as the frequency of your trading. You cannot request that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. Trade Allocation. Some Financial Advisor Managed Solutions trades may be combined with trades for other client accounts and executed in aggregated block trades. From time to time, the volume and/or number of trades to be executed for Financial Advisor Managed Solutions accounts may exceed Edward Jones’ operational and/or technological capacities if these trades are directed on a single day. For example, this may occur if Edward Jones is re-categorizing an investment from an Eligible Investment to an Ineligible Investment. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may allocate trades based on the time of order entry. In certain circumstances, this process may take several days or weeks. Although designed to be fair and Margin Loans. Eligible non-retirement account clients may obtain margin loans collateralized by marginable securities held in their accounts. Margin loans for Financial Advisor Managed Solutions accounts may be used for “Personal Line of Credit Loans” or “Overdraft Coverage,” but may not be used for the purpose of purchasing securities on credit. When Edward Jones extends a margin loan to you, it is not acting as an investment adviser but solely as a broker-dealer. In making the decision to take out a margin loan, it is important you understand the risks associated with using margin, the costs of margin loans, and how the performance of your account may be negatively affected. Please see the Edward Jones Margin Disclosure Statement and the Statement of Credit Terms (the “Margin Disclosure”) for a discussion of the risks as well as “Margin Risk” below before taking out a margin loan. The Margin Disclosure also includes a discussion of the costs of margin loans. As discussed below, you Page 7 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com the advisory services offered in the Financial Advisor Managed Solutions program or covered by the Financial Advisor Managed Solutions Fee, and Edward Jones does not act in an advisory capacity when making this service available to you. Additionally, Edward Jones will not provide legal advice to you or any other party related to your participation in such Class Actions. will pay interest charges on your margin loans in addition to the Financial Advisor Managed Solutions Fee (defined below). Before taking out a margin loan in your Financial Advisor Managed Solutions account, first evaluate the intended duration of the loan and your other options, including alternative loan options or liquidating securities. It is our view that margin loans are most appropriate when short in duration. To the extent that a margin call is triggered in connection with your account and we are forced to sell any securities or other assets to satisfy the margin call, we will act solely in our capacity as a broker-dealer and lender (and not as an investment adviser). Moreover, if selling such securities in order to satisfy a margin call, we will prioritize our interest over your interests. Your Financial Advisor cannot obtain a margin loan for you with respect to your account without your authorization. Charges for the processing of class action claims shall be subject to a contingency fee assessed by the third-party service provider in the event a recovery is made. The contingency fee shall be a percentage of the total reimbursement of Class Actions settlements the third-party service provider collects. Additional service charges may apply related to the distribution and handling of payment if your account has been closed and a paper check and/or location services/escheatment is required. Custody. Assets in your account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones as sub-custodian. As custodians, Edward Jones and EJTC are responsible for: You are automatically enrolled in the Class Action Claim Filing Service. However, you are not obligated to continue to provide Edward Jones with the authority to permit the third-party provider to process any such claims. Rather, you may opt out of this service and pursue such claims on your own by advising Edward Jones, in writing, of your intention to opt out of this third-party service. • Safekeeping your funds and securities; • Collecting dividends, interest and proceeds from any sales; and Further terms and conditions applicable to this Class Action Claim Filing Service can be found at edwardjones.com/account features. • Disbursing funds from your account Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. While not currently available as of the date of this brochure, Edward Jones anticipates in the future providing clients with the ability to waive the client’s right to receive confirmations on buy or sell transactions effected in the client’s Account. Termination of Your Participation in Financial Advisor Managed Solutions. You or Edward Jones may terminate your participation in Financial Advisor Managed Solutions at any time without any advisory termination fee. While oral instructions to terminate your participation in Financial Advisor Managed Solutions are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Financial Advisor Managed Solutions advisory services for your account. Upon notice of termination of your Financial Advisor Managed Solutions services, Edward Jones will no longer act as an investment adviser and will not be obligated to take any action with regard to the assets in your account, but you may instruct us to sell the securities or transfer the securities to another Edward Jones account or a third-party account. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Financial Advisor Managed Solutions account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Class Action Claim Filing Service. Edward Jones partners with a third-party service provider to assist with recovery services by filing claims on your behalf in certain “Class Actions” related to securities and other financial instruments held in your account. “Class Actions” includes all U.S. state and federal class actions, Securities and Exchange Commission disgorgements, or other regulatory cases, as well as international class actions and/or collective actions involving publicly traded securities and financial instruments. As part of your CSA, you have provided limited power and authority to Edward Jones and/or the third-party service provider Edward Jones partners with to submit claims on your behalf, either directly or indirectly through such third-party service provider, including execution of necessary forms and documents. Pursuant to your CSA, you will be bound by, and subject to, the terms of all forms and releases that may be entered into for settlements in which a claim is filed on your behalf. In so doing, you appoint Edward Jones and/or the third-party service provider Edward Jones partners with as your administrative agent to process and administer your participation in such asset recovery cases as a class member. This Class Action Service is a separate administrative service, is not part of In general, Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. When a mutual fund company offers multiple share class options for a mutual fund, and you have instructed us to transfer such mutual fund to an Edward Jones Select brokerage account or you fail to provide instructions and your assets are transferred to a Limited Page 8 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com to Edward Jones brokerage accounts. Services Account, as defined below, then Edward Jones will determine, in our sole discretion, what share class to convert your mutual fund holding into when transferring your mutual fund holding to the Edward Jones Select brokerage account or Limited Services Account. Mutual fund share class conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. In the event Edward Jones is notified by a receiving firm that a transfer of securities in your Financial Advisor Managed Solutions account is being rejected in part or whole by such receiving firm Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm. Fees Every Financial Advisor Managed Solutions account pays asset-based fees (referred to as your “Financial Advisor Managed Solutions Fee”). Your Financial Advisor Managed Solutions Fee includes a Program Fee and a Platform Fee, less any applicable fee reduction and/or fee offset (as discussed more fully below). In addition to your Financial Advisor Managed Solutions Fee, affiliated mutual funds and unaffiliated mutual funds and ETFs that you purchase or that are held in your account have internal fees and expenses that are described in the fund prospectus and other fund documents. These internal fees and expenses vary depending on the mutual fund or ETF. The following section explains: • The Financial Advisor Managed Solutions Fee and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Edward Jones Bridge Builder funds are only available to be purchased or held by you in Edward Jones’ advisory programs and you may not direct us to hold or purchase Bridge Builder funds in an Edward Jones Select brokerage account or at another financial institution. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs. Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. Taxable gains, taxable losses, redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. The Program Fee Each Financial Advisor Managed Solutions account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your account aligned with such guidance; periodic performance reporting; and custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. The Platform Fee A Platform Fee is charged on accounts enrolled in Financial Advisor Managed Solutions for the support and maintenance of accounts on the Edward Jones investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. If you sell the assets in your account, your proceeds will be available upon settlement of the trades generated to complete the liquidation. Because bond markets may be less liquid, these investments may be more difficult to liquidate, especially during periods of extreme market volatility. Therefore, you may experience delays or adverse price fluctuations when liquidating these securities. If you instruct Edward Jones to liquidate equity securities in your account which include fractional shares, as an accommodation Edward Jones will purchase such fractional share(s) as principal into its own account at market value without a mark-up or mark-down. Edward Jones may make a profit on its inventory due to market movements. Liquidation of securities held in your account may cause a taxable event as well as additional fees and expenses. How the Financial Advisor Managed Solutions Fee Is Calculated The Financial Advisor Managed Solutions Fee, which includes the Program Fee and the Platform Fee, is based on the market value of all assets held in your account, including stocks, mutual funds, ETFs, fixed income holdings and cash and cash equivalents, including shares of the Money Market Fund and third-party money market funds. Margin loan balances, if any, do not reduce the market value of your account for the purposes of calculating the Financial Advisor Managed Solutions Fee. However, for taxable accounts, the value of any fixed-income syndicate offerings acquired and held in your account will be excluded from the Financial Advisor Managed Solutions Fee Upon notice of termination, if you fail to instruct Edward Jones as to the disposition of assets in your account, your account’s services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account , but you will not be able to purchase new securities or add to existing positions (except for the Money Market Fund). Any transactions will be subject to fees, commissions and sales charges applicable Page 9 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Group. In addition, the Financial Advisor Managed Solutions Fee may be lower than the above stated maximum annual fee rate in the following circumstances: calculation for a period of time as determined by Edward Jones. The Financial Advisor Managed Solutions Fee is assessed at an annual fee rate (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. • Either Edward Jones or your Financial Advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or • You are a member of an active or eligible retired associate’s Pricing Group. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. The Financial Advisor Managed Solutions Fee is charged to your account each month in arrears. If your Financial Advisor Managed Solutions account is open for part of a month, then you will pay a fee based on the number of days your account was open and invested in Financial Advisor Managed Solutions. The amount you pay is determined by the average daily market value of the assets held in your account for the previous month. Reducing, up to and including a waiver, the Financial Advisor Managed Solutions Fee is at the sole discretion of Edward Jones and may result in clients being charged differently for the same or similar services. Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below. Pricing Groups To determine your Program Fee rate and Platform Fee rate, your account may be grouped with your other Edward Jones advisory accounts or the Edward Jones advisory accounts of people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each account can only be in one Pricing Group, and we will disclose to you the accounts making up your Pricing Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: 1. Your single, joint, custodial, owner-only 401(k) plan and IRA accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your Financial Advisor to group your account with other accounts for the purpose of planning and establishing financial goals, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your Financial Advisor if you have any questions about your Relationship Group.) Fee Reductions If your Financial Advisor Managed Solutions account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the account is active in Financial Advisor Managed Solutions. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security, or other characteristics of the account activity in the previous Edward Jones account. Ask your Financial Advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your account in Financial Advisor Managed Solutions before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your account. If you are selling securities to invest in Financial Advisor Managed Solutions but did not purchase them through Edward Jones, you will not receive a fee reduction. 2. Your revocable trust accounts are grouped with your single, joint, custodial, IRA or other revocable trust accounts if they are registered at the same address and use the same tax ID number for tax reporting. 3. Your association, church, corporation, estate, irrevocable trust, LLC, partnership and sole proprietorship accounts are grouped with other accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of accounts will be grouped with each other, but not with other account types. Program Fee Offsets Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. Additionally, accounts that do not meet the above criteria with your account, but that meet the above criteria with another person’s account in your Pricing Group, will be added to your Pricing Group. Furthermore, if your account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. Please contact your Financial Advisor if you have questions about your Pricing Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the amount received to your account. Page 10 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Affiliated Mutual Funds: If your account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, which include the Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds. for operating the funds (“internal fees and expenses”) that are deducted from the fund’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many mutual funds that are Eligible Investments in Financial Advisor Managed Solutions have different share classes with different fees and expenses for each share class. The fund prospectus and other fund documents will describe the internal fees and expenses. Please refer to Item 6 below for more information regarding the selection of mutual funds and ETFs as Eligible Investments for Financial Advisor Managed Solutions. Internal fees and expenses are in addition to the Financial Advisor Managed Solutions Fee described above and vary depending on the particular mutual fund or ETF. You will not see a separate entry on your account statement showing these fees and expenses. Edward Jones Money Market Fund: The Money Market Fund is also an affiliated fund. JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. How the Financial Advisor Managed Solutions Fee Is Paid Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). The fund prospectus and other fund documents describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Any internal fees and expenses charged by a mutual fund or ETF will reduce your account’s overall returns and investment performance. Other Fees and Expenses Not Included in the Financial Advisor Managed Solutions Fee In addition to the Financial Advisor Managed Solutions Fee described above, clients will pay Edward Jones interest on margin loans, if applicable, as set forth in the Margin Disclosure. A client may pay for other services including, but not limited to, debit and check-writing fees, estate service fees and fees to distribute an account pursuant to a transfer on death agreement. Also, the Financial Advisor Managed Solutions Fee does not cover the following (if applicable to your account): transfer taxes; electronic fund, wire and other account transfer fees; internal fees and expenses incurred by mutual funds or ETFs purchased for your account; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. The Financial Advisor Managed Solutions Fee is deducted directly from your Financial Advisor Managed Solutions account and paid using the cash portion of your account, which may include cash held in the Money Market Fund. If there is not sufficient cash held in the Money Market Fund, we are authorized to sell a sufficient amount of assets held in your account to pay the Financial Advisor Managed Solutions Fee. Edward Jones will first sell a sufficient amount of shares of mutual funds held in your account to pay the Financial Advisor Managed Solutions Fee. If there are not sufficient assets in the mutual funds held in your account, Edward Jones will sell a sufficient amount of shares of ETFs or equity securities, and then a sufficient amount of fixed-income securities necessary to pay the Financial Advisor Managed Solutions Fee. If Edward Jones sells mutual funds, ETFs, equity securities or fixed-income securities, this may result in your account being out of alignment with the Target Ranges for your Account Portfolio Objective or with the Investment Diagnostics for your account until portfolio realignment occurs. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time. (See below for more information on redemption fees.) Trades as a result of a liquidation of a mutual fund or ETF in a taxable account may result in a taxable event. Securities transactions effected to pay the Financial Advisor Managed Solutions Fee may necessitate odd-lot sales. Odd-lot sales may result in less favorable pricing conditions. At the sole discretion of Edward Jones, you may be allowed to pay your Financial Advisor Managed Solutions Fee from an alternate Edward Jones account. Deposits, including interest and dividends, received into your account but not yet invested in Eligible Investments or swept into the Money Market Fund may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Mutual funds (including affiliated and unaffiliated mutual funds) and ETFs have internal management fees and ongoing expenses Page 11 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com alternative, a Financial Advisor will typically earn more over time if you invest in Financial Advisor Managed Solutions. This creates a financial incentive for your Financial Advisor to recommend Financial Advisor Managed Solutions instead of brokerage services. Financial Advisor Compensation Most Financial Advisors receive a portion of the Program Fee, though some Financial Advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial Advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid to your Financial Advisor is at the discretion of Edward Jones. The fee rate paid to your Financial Advisor will be the same regardless of the Account Portfolio Objective or Goal Portfolio Objective (if applicable) you select. As a result, your Financial Advisor does not have a financial incentive to recommend one Account Portfolio Objective or Goal Portfolio Objective over another. Your Financial Advisor does not receive a portion of the Platform Fee. The Financial Advisor Managed Solutions Fee, as well as assets under care and client margin loan balances, will impact most Financial Advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client margin loan balances, may also impact a Financial Advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your Financial Advisor has an incentive to recommend you invest in an investment advisory account(s). Most Financial Advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a Financial Advisor which creates an additional conflict of interest. These financial incentives create a conflict between Edward Jones’ interest, your Financial Advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your Financial Advisor’s recommendations to you. Additionally, Financial Advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Similarly, the Program Fee rate paid to your Financial Advisor will be the same regardless of the investment advisory program in which you invest. However, your Financial Advisor also may receive compensation in connection with margin loans in Financial Advisor Managed Solutions as described below. As a result, and if you would be eligible for margin lending in Financial Advisor Managed Solutions but ineligible for the Edward Jones securities-based lending offering called the Edward Jones Reserve Line of Credit (“Reserve Line”) available in some other Edward Jones investment advisory services, your Financial Advisor will have a financial incentive to recommend Financial Advisor Managed Solutions over another Edward Jones investment advisory program. If you use margin in your account, Edward Jones will receive revenue as a result of charging interest on your margin loan. As a result, there is a material conflict of interest between you and us in connection with margin loans, which we address through disclosure in this Brochure. For example, if you take out or maintain a margin loan rather than withdraw money from your Financial Advisor Managed Solutions account, we retain the Financial Advisor Managed Solutions Fee that such assets are otherwise generating and charge you interest on any outstanding margin loan balances. Depending on your specific circumstances, including the intended duration of the margin loan and the return on your account, over the long term it may cost you more to take out the margin loan than if you had pursued an alternative loan option or liquidated securities and withdrawn the sale proceeds from your account. Although Edward Jones receives more revenue from a margin loan than a loan through the Reserve Line available in the other advisory programs, your Financial Advisor is compensated the same on both types of loans. You are encouraged to carefully consider the total cost of taking out any margin loan, and any additional compensation to us or your Financial Advisor, when determining to take out and/or maintain a margin loan. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (the “Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Financial Advisor Managed Solutions is an investment advisory program offered by Edward Jones. The services provided through Financial Advisor Managed Solutions are described in Item 4 above and in Section 1 of the CSA. For a description of the fees that may be directly charged to the Plan in connection with Financial Advisor Managed Solutions, refer to Fees in Item 4 and the Financial Advisor Managed Solutions Schedule of Fees. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a The amount of your Financial Advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of a Financial Advisor Managed Solutions account. If you purchased investments through Edward Jones as a broker-dealer, you would pay sales charges or commissions, a portion of which would be paid to your Financial Advisor. A Financial Advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the Page 12 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  redemption fees that may be assessed on the liquidation or redemption of those securities. discussion of other potential sources of compensation, see Item 9 below. For a discussion of termination fees that may apply see “Termination of your Participation in Financial Advisor Managed Solutions” and “Other Fees and Expenses Not Included in the Financial Advisor Managed Solutions Fee” in this Item 4. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” Edward Jones will not provide advice and/or guidance regarding the securities being sold to fund the Financial Advisor Managed Solutions account. Trades that occur in a taxable account may cause a taxable event as well as additional fees and expenses. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. The total value of your account is monitored by Edward Jones. If the value of your account falls significantly (for example, a balance of $10,000 or below), we may, in our discretion, remove your account from Financial Advisor Managed Solutions. Comparing Costs, Expenses and Services The Program Fee is a fee for investment advisory services as described above under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “Platform Fee.” Financial Advisor Managed Solutions may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your account, the amount of cash in your account, and the trading activity in your account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. You can choose to forgo the services of Financial Advisor Managed Solutions and buy and sell securities through Edward Jones as a broker-dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits of the program described in this Brochure). We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. Edward Jones offers clients a wide range of financial services. Financial Advisor Managed Solutions may not be appropriate for every client or every account type. Generally, Financial Advisor Managed Solutions is available only to residents or entities of the United States and certain U.S. territories with the following types of accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs, Savings Incentive Match Plans for Employees (“SIMPLE”) IRAs, Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other eligible benefit plans (each a “Benefit Plan”). Benefit Plans generally include pension or other employee benefit plans governed by ERISA, tax-qualified retirement plans (including Keogh plans, Edward Jones-sponsored Owner K® plans or “single owner 401(k)” plans in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), Not all Benefit Plans may be eligible for enrollment in Financial Advisor Managed Solutions. Check with your financial advisor to determine eligibility.. Copies are available from your Financial Advisor upon request or our CRS is available at www.edwardjones.com/regbidisclosures, as well as a copy of our educational resource the “Making Good Choices” brochure. Edward Jones can prohibit any person or entity from investing or remaining in Financial Advisor Managed Solutions for any reason, including if we do not believe it is an appropriate investment strategy for that person or entity. As a general rule, you should intend to invest in Financial Advisor Managed Solutions for a minimum of three (3) years. Item 5: Account Requirements and Types of Clients You will not be able to purchase certain fixed-income securities if your account value is below $50,000. We can change the minimum at our discretion. However, you will be able to hold eligible fixed-income securities in your account regardless of account value. For example, if you purchased a bond when your account value exceeded $50,000, you can continue to hold that bond even if your account value declines. If you hold less than $50,000 in your account, additional purchases of fixed income holdings will be limited to mutual funds and ETFs that invest in fixed income securities. Your initial investment in a Financial Advisor Managed Solutions account must generally be at least $25,000. You can fund your Financial Advisor Managed Solutions account with cash and/or securities. If you establish your Financial Advisor Managed Solutions account with Ineligible Investments, the Ineligible Investments will be sold from your account without regard to tax consequences or redemption fees that may be assessed on the liquidation or redemption of those securities unless you instruct your Financial Advisor to transfer the assets to another account at Edward Jones eligible to hold such investments prior to the establishment of your initial asset allocation. If you later add Ineligible Investments to your account, your Financial Advisor will liquidate or redeem such Ineligible Investments without first consulting with you and regardless of tax consequences or If, at any time, you transfer mutual funds into a Financial Advisor Managed Solutions account and those mutual funds are current Eligible Investments but in a different share class from those held for Financial Advisor Managed Solutions, Edward Jones is authorized to convert those shares into a different share class Page 13 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com eligible to be held in Financial Advisor Managed Solutions. For more information about share classes, please refer to the Risk of Loss section below. personnel may assist your Financial Advisor in providing the program management services to you and are not required to meet the eligibility requirements. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Mutual fund shares held in your Financial Advisor Managed Solutions account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into Financial Advisor Managed Solutions is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into Financial Advisor Managed Solutions. Methods of Analysis, Investment Strategies and Risk of Loss Edward Jones selects the Eligible Investments available in Financial Advisor Managed Solutions based on numerous quantitative and qualitative factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. Assets in your Financial Advisor Managed Solutions account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. The processes we use to select and monitor affiliated mutual funds are different from the processes we apply to unaffiliated mutual funds and other Eligible Investments. If you request a transfer of securities from your Financial Advisor Managed Solutions account to another Edward Jones account or a third-party account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share class. In the event of a transfer of mutual funds and/ or fund share classes that cannot be held outside of your Financial Advisor Managed Solutions account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions could result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. In selecting and monitoring sub-advisers for our affiliated mutual funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other Program Investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. Item 6: Financial Advisor Managed Solutions Investment Selection and Evaluation Eligible Investments (other than affiliated mutual funds) undergo periodic review by Edward Jones to determine if they remain suitable for Financial Advisor Managed Solutions. An Eligible Investment can be re-categorized from an Eligible Investment to an Ineligible Investment for a variety of reasons, including, but not limited to, the following: • Inconsistency with Edward Jones’ investment philosophy • Regulatory concerns • Termination of an agreement with a mutual fund company • Lack of ongoing financial information • A decision by Edward Jones to reduce the overall ownership level of a fund The Target Ranges for each Account Portfolio Objective are generally based on the Edward Jones investment categories. Depending on market volatility, the asset allocations in your account will sometimes depart from the Target Ranges for your Account Portfolio Objective. Different asset classes will perform better than others, resulting in Financial Advisor Managed Solutions is a discretionary wrap fee program sponsored by Edward Jones. Your Financial Advisor will exercise discretion to select investments for your account. Other Financial Advisors and Edward Jones licensed personnel may act on behalf of your Financial Advisor. For more information, see Item 4. As of the date of this brochure, your Financial Advisor must meet training requirements as well as certain minimum tenure, experience and/or educational certification eligibility requirements established by Edward Jones to provide discretionary investment management services under the Financial Advisor Managed Solutions. In certain instances, mentorship and enhanced learning requirements may replace tenure, experience and educational certification eligibility requirements. Your Financial Advisor’s eligibility to continue providing discretionary investment management services under Financial Advisor Managed Solutions is subject to ongoing reviews. Edward Jones may modify or eliminate the applicable eligibility criteria at any time and without notice to you. Additionally, other Financial Advisors and Edward Jones Page 14 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Investments may experience more volatility than a more diversified account with a larger number of Eligible Investments. an asset allocation that may have more or less risk than you may want. In order to keep your account in alignment, your Financial Advisor will monitor and realign your account if the asset allocations have deviated significantly from the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. The objective of investing in a variety of Eligible Investments in various types of asset classes allocated in the Target Ranges is to construct a portfolio designed to experience less volatility and show more consistent performance over time. There is no guarantee that this goal will be achieved. Risk of Loss All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks, depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The fund prospectus and the other fund documents describe the risks specific to the fund. Each Eligible Investment will fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives (as applicable), risks, fees and expenses, and past performance of each Eligible Investment before deciding to invest in Financial Advisor Managed Solutions. Share Classes. Mutual fund investments in Financial Advisor Managed Solutions can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Edward Jones considers several factors when selecting a mutual fund share class for Financial Advisor Managed Solutions including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Clients should not assume they will be invested in the share class with the lowest expense ratio. Edward Jones generally attempts to select institutional and/or advisory share classes for Financial Advisor Managed Solutions, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Additionally, your Financial Advisor may also invest your account in certain investments that employ non-traditional strategies. Such investments may hold non-traditional investments or use complex investment and trading strategies. Investments that utilize derivatives or leverage, as an example, can be complex and increase the risk of volatility and loss of investment. Other potential risks may include, but are not limited to: the investment performs in a manner that is difficult to understand relative to traditional investments; lack of liquidity; credit risk; counterparty risk; and adverse tax consequences. Such investments contain unique characteristics and risks. Refer, as applicable, to the fund prospectus and other fund documents that describe risks specific to each fund. Information about each Eligible Investment can be obtained from your Financial Advisor. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in Financial Advisor Managed Solutions, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b-1 fees for shares held in your account, we will credit the amount received to your account as a fee offset. Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. Depending on the Eligible Investments selected, your account may also be subject to the following risks: Concentration Risk. An account with a limited number of Eligible Please refer to the appropriate fund prospectus and other fund documents for more information regarding the available share classes of mutual funds used in Financial Advisor Managed Solutions. In our sole discretion, Edward Jones can change the share class of any mutual fund at any time without prior notice to you. Page 15 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Fixed-Income Securities Risk. Fixed-income securities, such as bonds, are subject to credit risk and interest rate risk. Credit risk is the possibility that an issuer of an instrument will be unable to make interest payments or repay principal when due. Changes in the financial strength of an issuer or changes in the credit rating of a security may affect its value. Interest rate risk is the risk that interest rates may increase, which tends to reduce the resale value of certain fixed-income securities. Redemptions. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are Eligible Investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, re-categorizes a mutual fund from an Eligible Investment to an Ineligible Investment. If the resulting volume or size of redemptions directed by accounts in Financial Advisor Managed Solutions as a result of the re-categorization exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in accounts experiencing increased risk of loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Certificate of Deposit Risk. The price of a CD in the secondary market is governed by prevailing interest rates. If a CD is sold before it matures, you may receive less than the original purchase price if interest rates are higher. Edward Jones, though not obligated to do so, may maintain a secondary market in the CD after the purchase which allows CDs to be sold on any business day. Rates paid on CDs may be lower or higher than the rates available directly through the bank that is issuing the CD. You are responsible for monitoring the total amount of CDs and other bank deposits that you hold with any one bank for Federal Deposit Insurance Corporation (“FDIC”) insurance limits. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to minimize any potential adverse impact to accounts in Financial Advisor Managed Solutions, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. Municipal Securities Risk. Municipal securities are subject to various risks based on factors such as economic and regulatory developments, changes or proposed changes in the federal and state tax structure, deregulation, court rulings and other factors. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generate taxes or revenues. There is a risk that the interest on an otherwise tax- exempt municipal security may be subject to federal income tax. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Government Securities Risk. U.S. government securities are subject to interest rate and inflation risks. Not all U.S. government securities are backed by the full faith and credit of the U.S. government. Certain securities issued by agencies and instrumentalities of the U.S. government are only insured or guaranteed by the issuing agency or instrumentality, which must rely on its own resources to repay the debt. As a result, there is risk that these entities will default on a financial obligation. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Each fund’s prospectus and other fund documents describe the risks specific to the fund. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Foreign Investing Risk. Investments in foreign markets or foreign companies may be achieved through investments in securities of foreign issuers; ETFs or mutual funds that hold securities of foreign issuers; or ADRs, which are receipts typically issued by a U.S. bank or trust company evidencing ownership of the underlying securities of a foreign company. Investments in foreign markets or foreign companies carry a number of economic, financial and political considerations that are not associated with the U.S. markets and that could unfavorably affect your account’s performance. Among those risks are greater price volatility; weak supervision and regulation of securities exchanges, brokers and Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). Page 16 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com issuers; higher brokerage costs; fluctuations in foreign currency exchange rates and related conversion costs; adverse tax consequences; and settlement delays. of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Tax Considerations Financial Advisor Managed Solutions does not provide tax efficient strategies or tax advice. Your Financial Advisor may take into account tax considerations as one factor among others when making investment and trading decisions for your account. However, Financial Advisor Managed Solutions does not provide quantitative or programmatic tax loss or gain harvesting services and will not monitor for tax consequences on an ongoing basis. You should consult with your tax advisor for tax advice, including advice on potential tax consequences. Margin Risk. Our Financial Advisors provide information and education regarding the availability of margin loans. However, you decide whether to borrow money from us and you decide when and how to pay back any loans. There are certain risks and conflicts of interest that arise when we make margin loans in our role as lender and broker-dealer rather than investment adviser, including (i) the interest rate charged in connection with your loan may be higher than those charged by other lenders and is in addition to the Program Fee; (ii) we may require additional collateral if there is a decline in the market value of the securities that secure your margin loan; (iii) we can sell any securities in your account to satisfy a margin call without notice to you; (iv) we may be required to liquidate securities we would otherwise not recommend you sell, and which may not otherwise be in your best interests to sell, to satisfy a margin call; (v) you are not entitled to select which securities are liquidated to satisfy a margin call and we can sell securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences of a sale; (vi) depending on market conditions, the prices obtained for the securities may be less than favorable and may be less than the value that we or you believe the securities are worth; (vii) the timing of securities sales in connection with a margin call will be different than if those securities were not used as collateral in connection with a margin loan, and may negatively impact the performance of your account and interrupt your investment strategy; (viii) a situation could arise where the value of your account is zero and you still owe money on a loan; and (ix) with respect to the margin loan and collateral, we will act in the capacity of a lender and may take the actions described above, which may be in conflict with your best interest and our role as an investment adviser to your Financial Advisor Managed Solution account. Any action taken by us against the securities in your Financial Advisor Managed Solution account pursuant to the use of margin will not constitute a breach of our fiduciary duties as an investment adviser. Voting Client Securities As a registered investment adviser, Edward Jones may vote proxies for clients in accordance with applicable law and has a fiduciary duty to vote those proxies in a timely manner and in our clients’ best interests, even if our clients’ best interest is in conflict with our interests. Edward Jones votes proxies for all Financial Advisor Managed Solutions accounts (except SEP and SIMPLE IRAs, traditional IRAs linked to SEP IRAs and Benefit Plan accounts) unless the client specifically retains the right to vote proxies. If you transfer Ineligible Investments to open or fund an Financial Advisor Managed Solutions account, Edward Jones may also vote proxies for those securities if the date of record occurs before the securities are liquidated. When you invest in Financial Advisor Managed Solutions, you delegate the right to vote on these securities to Edward Jones and cannot direct or recommend how we will vote. By delegating proxy authority, you also authorize us to receive all proxy-related materials, annual and semi-annual reports, and other shareholder materials, including corporate actions, arising from any Eligible Investments or other securities in the account. Edward Jones has hired an independent third-party proxy voting service to assist us in evaluating and voting proxies in a way that follows our adopted policies and guidelines. We have established policies and procedures that are intended to ensure that proxies are voted in a manner that is consistent with our clients’ best interest. Further, certain independent shareholder rights available to you as an individual may not be exercised or effectuated when you delegate proxy authority to Edward Jones. For more information, you can receive a copy of proxy-related materials, Edward Jones’ proxy voting policy and procedures, voting guidelines and/or proxy voting record by submitting a written request to: Edward Jones, Attention: Investment Advisory,12555 Manchester Road, St. Louis, MO 63131. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyber-attacks. Despite such protections, systems, networks and devices potentially can be breached. Cyber-attacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. Those clients who wish to retain their right to vote proxies will then continue to receive all materials and notices from Edward Jones Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods Page 17 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  or the applicable mutual fund company or issuer and will be responsible for voting on the issues that the companies raise. We will not provide recommendations or advice on how to vote on these issues. its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by Financial Advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any Eligible Investments or other assets held in your account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, bankruptcy, and/or class action lawsuit other than the Class Action Claim Filing service described in this brochure and the CSA. However, Edward Jones will promptly forward any such documents to you, or if you are enrolled in the Class Action Claim Filing service, Edward Jones will execute such service as described in this brochure and the CSA. Item 7: Client Information Provided to Edward Jones FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Client information provided to Edward Jones will be maintained in accordance with our privacy policies. Over time, your financial goals and objectives may change. Accordingly, you and your Financial Advisor must perform an annual review, as set forth in Item 9B below. Item 8: Client Contact with Edward Jones You may contact your Edward Jones Financial Advisor during normal business hours with questions regarding your account. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations. Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage Page 18 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com does not receive revenue sharing on assets held in Financial Advisor Managed Solutions accounts. Edward Jones and our Financial Advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Financial Advisor Managed Solutions. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our Financial Advisors perform services for you and other clients outside of Financial Advisor Managed Solutions, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Financial Advisor Managed Solutions and other Edward Jones programs. For additional information about this arrangement, please see Item 4. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families that are available as Eligible Investments through Financial Advisor Managed Solution. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our Financial Advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when selecting Eligible Investments for Financial Advisor Managed Solutions. Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub-adviser be selected to manage the affiliated mutual funds. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Edward Jones has established a Code of Ethics to ensure that For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Financial Advisor. Edward Jones Page 19 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com our associates: client receives the better price. • Act with integrity and in an ethical manner with you and all of our clients • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may Review of Accounts At the time your Financial Advisor Managed Solutions account is opened, Edward Jones’ supervisory associates will review your selected Account Portfolio Objective and the funding of your account. If you have sold investments purchased at Edward Jones in order to fund the account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your understanding of Financial Advisor Managed Solutions including the fees and expenses you are or will be paying. receive as a result of their employment with Edward Jones While you are invested in Financial Advisor Managed Solutions, Edward Jones or your Financial Advisor will provide ongoing monitoring to determine whether your account moves out of alignment with the Target Ranges for your Account Portfolio Objective or with the Investment Diagnostics for your account and your Financial Advisor will make necessary adjustments to bring your account back into alignment. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to Eligible Investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your Financial Advisor. In addition, you and your Financial Advisor must annually review whether there have been any changes to your financial circumstances including, but not limited to, your risk tolerance, Account Portfolio Objective and Goal Portfolio Objective (if applicable) and whether you would like to impose any reasonable investment restrictions on your account. Please see “Investment Restrictions” under Item 4 for more information on the implementation of reasonable investment restrictions. If you decide to invest in a different Account Portfolio Objective, you must work with your Financial Advisor to select a different Account Portfolio Objective for your account and, once you have taken these actions, Edward Jones and your Financial Advisor will be responsible for realigning your account to match your new Account Portfolio Objective as described in Item 4. As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in Financial Advisor Managed Solutions buy securities that are also Eligible Investments in Financial Advisor Managed Solutions. These brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. You will receive a written account statement at least quarterly (monthly in months in which activity occurs in your account) containing a description of all activity in your account during the period, including all transactions, contributions, withdrawals, fees and the value of your account at the beginning and end of the period. You should know that Financial Advisors, Edward Jones associates (including those directly involved with Financial Advisor Managed Solutions and/or their family members are permitted to and do invest in Financial Advisor Managed Solutions This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before our clients and receive a better price on a security. Our review does not substitute for your own continued review and monitoring of your account and performance of your investments. You should review trade confirmations (as applicable), account statements and other information we provide to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your Financial Advisor. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit Financial Advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a Financial Advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is Page 20 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com funds. Our Financial Advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which Eligible Investments to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. stated as a percentage of the Financial Advisor Managed Solutions Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones makes and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge, and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) with mutual funds and/or ETFs on the list of Eligible Investments pay certain expenses on behalf of Financial Advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for Financial Advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of Eligible Investments or the selection of a sub-adviser for affiliated mutual Page 21 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Page 22 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds For any Financial Advisor Managed Solutions account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Edward Jones Money Market Fund. Your Financial Advisor Managed Solutions account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. Bridge Builder Mutual Funds. You may choose to invest in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub- advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Services Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable accounts. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that our clients maintain in the Money Market Fund. Page 23 of 22 IAS-17188H-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Generations® Financial Planning Service Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure since the annual filing on February 14, 2025. • On May 2, 2025, we updated the brochure to reflect that the pilot Home Office Financial Planning Service which was offered on a one-time basis to a limited number of individuals through the Edward Jones Home Office has been retired and is no longer offered. • On May 2, 2025, we renamed and updated the brochure to reflect that Edward Jones will begin to offer a new and different type of financial planning service through dedicated teams of financial planning professionals – specifically, ongoing Edward Jones Generations Financial Planning to eligible high net worth individuals that participate in the Edward Jones Generations service. • We are updating the Brochure to further clarify the roles of the planning team members. Please refer to Item 4: Advisory Services for more information. • We are updating the Brochure to disclose additional compensation that planning team members will receive in connection with Generations Financial Planning and other products and services you receive through Edward Jones. Please refer to Item 5: Fees and Compensation for more information. • We are updating the Brochure to disclose cost sharing arrangements that Edward Jones enters into with certain referral relationships from time to time. Please refer to Item 14: Client Referrals and other Compensation for more information. Item 3: Table of Contents Item 1: Cover Page ............................................................................................................................................. 1 Item 2: Material Changes ................................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................................... 2 Item 4: Advisory Services ................................................................................................................................. 3 Item 5: Fees and Compensation ....................................................................................................................... 6 Item 6: Performance-Based Fees and Side-by-Side Management ............................................................... 8 Item 7: Types of Clients ..................................................................................................................................... 8 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 8 Item 9: Disciplinary Information........................................................................................................................ 8 Item 10: Other Financial Industry Activities and Affiliations ......................................................................... 9 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............. 10 Item 12: Brokerage Practices .......................................................................................................................... 10 Item 13: Review of Your Financial Plan .......................................................................................................... 10 Item 14: Client Referrals and Other Compensation ...................................................................................... 10 Item 15: Custody ............................................................................................................................................... 11 Item 16: Investment Discretion ....................................................................................................................... 11 Item 17: Voting Client Securities ..................................................................................................................... 11 Item 18: Financial Information ......................................................................................................................... 11 Item 19: Requirements for State-Registered Advisers ................................................................................. 11 Page 2 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Services recommendations provided through EJG Financial Planning are separate from the other services provided through Generations (“Other Generations Services”). Edward Jones is a registered broker-dealer and investment adviser. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones Generations® Financial Planning (“EJG Financial Planning”). As of the date of this brochure, EJG Financial Planning is offered exclusively to clients enrolled in the Edward Jones Generations® offering (“Generations”). You should read this Brochure carefully and consult with your tax professional before you decide to engage Edward Jones for EJG Financial Planning. All Edward Jones financial planning services, including EJG Financial Planning and the separately available Branch Office Financial Planning Services, are designed to address the following five Financial Planning components: (1) goal planning; (2) cash and income planning; (3) portfolio and investment allocation; (4) risk and protection; and (5) estate and wealth transfer, (collectively, the “Financial Planning Components”). Additionally, all Edward Jones financial planning services can also help you evaluate financial needs such as retirement income, college savings, wealth protection, employee benefits planning (e.g., equity compensation arrangements), and tax or estate planning considerations as part of the Financial Planning Components (collectively, “Additional Elements”), where applicable. Edward Jones also separately offers other financial planning services through its financial advisors (“financial advisors”) through the Edward Jones Branch Office Financial Planning Services (“Branch Office Financial Planning Services”). Additionally, Edward Jones offers other investment advisory services (“Advisory Programs”) and separate brokerage services. The Branch Office Financial Planning Services, Advisory Programs and brokerage services are not part of EJG Financial Planning. Additionally, certain programs or offerings are only available through select financial advisors. You can obtain disclosure brochures about our Branch Office Financial Planning Services and Advisory Programs at edwardjones.com/advisorybrochures and our brokerage services at edwardjones.com/brokerageinformation. While certain key differences between EJG Financial Planning and Branch Office Financial Planning Services are described in this Brochure, you should refer to the disclosure brochure for the Branch Office Financial Planning Services for more complete information about those services. Additionally, this Brochure does not describe Edward Jones Advisory Programs or brokerage services. EJG Financial Planning differs from the Branch Office Financial Planning Services in that EJG Financial Planning is specifically designed to address the more complex planning needs of high-net-worth individuals. EJG Financial Planning has the ability to provide additional elements or analysis with the Financial Planning Components and additional financial planning services for complex financial planning needs where relevant. For example, as part of the Financial Planning Components, EJG Financial Planning typically includes more detailed analyses regarding cash flow planning and planning for abundance as well as a portfolio review and analyses of tax and estate planning considerations by specialized members of your Planning Team. EJG Financial Planning also can include one or more of the following additional financial planning services as part of the Financial Planning Components (“EJG Enhanced Elements”) to the extent applicable to your financial planning needs: • Expanded tax optimization analyses taking into account information you and your third-party advisors have provided to your Planning Team; • Expanded risk/insurance analyses taking into account Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. information you and your third-party advisors have provided to your Planning Team; A. Eligibility for and Overview of EJG Financial Planning • Advanced estate strategy, analysis and modeling taking into account information you and your third-party advisors have provided to your Planning Team; • Additional family governance consultation such as coordinating family meetings and assistance with wealth education and legacy planning educational documents; • Additional philanthropy and impact analyses such as advanced charitable strategy analyses and scenario modeling and ongoing legacy planning with family values alignment; and/or • Business planning such as business benefits and protection analyses, business succession planning considerations, and business valuation and exit planning analysis and modeling. EJG Financial Planning is offered for an annual fee as described in Item 5 (“Annual Fee”) exclusively to certain clients enrolled in the Generations offering. Generations is comprised of a group of separate brokerage, advisory, referral and other services that can address various needs of high-net-worth clients. Clients generally must have $10 million or more in total investible assets at the individual or planning group level to qualify for EJG Financial Planning, subject to exception by Edward Jones in its sole discretion. Additionally, continued enrollment in EJG Financial Planning for an Annual Fee is a required condition to remain enrolled in Generations as set forth in the Edward Jones Generations Services Agreement (“Generations Agreement”). The investment advisory services and associated advice and EJG Financial Planning also differs from the Branch Office Financial Planning Services in how the financial planning Page 3 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com working with you and the other members of the Planning Team in the construction and evolution of your Financial Plan over the course of your enrollment in EJG Financial Planning. services are provided. EJG Financial Planning is provided to you through a dedicated team of Edward Jones financial planning professionals that specialize in working with the complex needs of high-net-worth clients (your “Planning Team”) as described in more detail below whereas the Branch Office Financial Planning Services are provided by your financial advisor and/or your financial advisor’s branch office team. In some cases, your financial advisor may work with a home-office based Wealth Strategist in providing Branch Office Financial Planning Services. • The Tax and Estate Strategists will review and analyze relevant tax and estate information, respectively, that you and/or your third-party tax and legal advisors provide for purposes of inclusion in your Financial Plan. They may also attend meetings with you, other members of your Planning Team and your third-party tax and legal advisors to educate your third- party tax and legal advisors about the design of your Financial Plan, your financial planning goals and the recommendations contained within your Financial Plan. While Tax and Estate Strategists and other members of your Planning Team may educate you with respect to tax and estate planning considerations, Tax and Estate Strategists, other members of your Planning Team and other Edward Jones personnel do not provide tax and legal advice. • Your Portfolio Strategist and/or financial advisor will review the investible assets you disclose to us and collaborate with the rest of the Planning Team on addressing financial planning considerations associated with your assets, such as general asset allocation considerations. The decision to engage in EJG Financial Planning is yours. Before making this decision, you should determine whether EJG Financial Planning is appropriate for your investment goals or needs. If you decide to engage in EJG Financial Planning, we will not begin providing you with EJG Financial Planning until our acceptance and approval of a written EJG Financial Planning agreement between you and Edward Jones (“EJG Financial Planning Agreement”). In evaluating whether to enroll in EJG Financial Planning, you should consider a number of factors, including that you may be able to obtain some of the same services from your financial advisor through the Branch Office Financial Planning Services at a lower cost or no cost. You also may be able to obtain similar services through another investment adviser. The Financial Plan You Will Receive and Your Planning Team. You will receive a financial plan (your “Financial Plan”) and periodic updates to your Financial Plan (generally, at least once per year) which address, at a minimum, the five (5) Financial Planning Components. The scope of Additional Elements and EJG Enhanced Elements provided to you will depend on the scope and complexity of your financial planning needs. Your Financial Plan is based on one or more consultations with your Planning Team and the information and documentation you provide relating to your financial situation, investment objective and goals, time horizon, risk tolerance and other pertinent factors (collectively, your “Financial Planning Profile”). EJG Financial Planning includes an ongoing relationship with your Planning Team. Your Planning Team is comprised of a Planner, a Tax Strategist, an Estate Strategist, a Portfolio Strategist, your financial advisor and, where applicable, additional Edward Jones strategists. Your enrollment in EJG Financial Planning allows you to consult with Planning Team members about your Financial Plan as needed and revise your Financial Plan as needed based on changes to your Financial Planning Profile or other information you communicate to Planning Team members. The role of the Planning Team members is as follows: While all EJG Financial Planning advisory services are provided by your Planning Team, the Other Generations Services provided to you, including all investment advice, investment strategies, recommendations, and brokerage services associated with your Edward Jones accounts that you receive from your financial advisor and/or Portfolio Strategist are separately provided through Generations and are not part of EJG Financial Planning. However, Other Generations Services you receive will reference information contained in the Financial Plan you receive through EJG Financial Planning for your convenience where applicable. For example, your financial advisor and Portfolio Strategist will work together to provide you with one or more separate Generations Investment Plan(s) (“Investment Plan(s)”) which contain investment-related recommendations, including recommendations for the purchase, sale or enrollment in products and services available through Edward Jones. While the Investment Plan(s) reiterate certain information contained in your Financial Plan for informational purposes, the Investment Plan(s) and the associated recommendations are provided to you as a separate Generations service from EJG Financial Planning. Your financial advisor also may separately recommend that you purchase, sell or enroll in other products and services available through Edward Jones. • Your financial advisor will gather information and documentation from you related to your Financial Planning Profile and will coordinate with the Planner and other members of the Planning Team to help ensure a common understanding of your financial planning needs and objectives. Your financial advisor also may attend meetings between you and the Planner and/or other members of the Planning Team to deliver and discuss your Financial Plan. • The Planner and/or your financial advisor is responsible for Your Planning Team can assist you where needed in coordinating with your third-party advisors to convey your EJG Financial Planning goals, objectives and other information pertinent to the services you obtain through your third-party advisors and/or incorporate information received from you and your third-party advisor(s) into your Financial Plan(s) for your convenience. Additionally, in some cases, Edward Jones also will refer you to third-party advisors through Edward Jones Generations as a separate service. Whether you engage a third-party advisor on your own or as a result of a referral through Generations, creating, updating and delivering your Financial Plan and for Page 4 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Planning Profile. To obtain your Financial Plan, you must provide the requested information to us and attend a meeting or meetings with one or more members of your Planning Team to provide or verify any requested information and documentation. Edward Jones and your Planning Team will rely on the information and documentation you provide to create your Financial Plan and will not independently verify such information and documentation. the services provided to you through your third-party advisor(s) are not part of the services provided through EJG Financial Planning. Edward Jones, your Planning Team and other Edward Jones personnel are not affiliated with your third-party advisor(s), do not oversee, validate or confirm the information and advice provided by your third-party advisor(s) and are not responsible for the advice provided to you by your third-party advisor(s). Edward Jones, your Planning Team and other Edward Jones personnel do not provide tax or legal advice and are not a substitute for the advice provided through your third-party advisor(s). Edward Jones reserves the right to limit, modify or discontinue offering EJG Financial Planning and/or the Generations offering at any time. Edward Jones also reserves the right to modify, from time to time, the scope of the Financial Planning Components it provides through EJG Financial Planning, the Branch Office Financial Planning Services and/or other financial planning services Edward Jones may offer in the future, including but not limited to the required and optional components of each service and the support model for each. Edward Jones and your Planning Team act in the capacity of an investment adviser, and not a broker, when creating and discussing your Financial Plan. By providing EJG Financial Planning, neither Edward Jones nor your Planning Team or other Edward Jones personnel are acting as a fiduciary under the Employee Retirement Income Security Act of 1974 (“ERISA”) or section 4975 of the Internal Revenue Code of 1986. EJG Financial Planning Enrollment and Termination. Upon your enrollment in EJG Financial Planning, you will receive written confirmation of your enrollment, the estimated renewal date for your Financial Plan (“Renewal Date”) and the Annual Fee (as defined below in Item 5) for your first year of enrollment. The Annual Fee you pay for each successive year you are enrolled in EJG Financial Planning (each a “Renewal Period”) may differ from your initial Annual Fee based on the services to be provided in each subsequent year, the complexity of your planning needs and other factors described in Item 5. You or Edward Jones may terminate your enrollment in EJG Financial Planning at any time by providing thirty (30) days’ written notice to the other as set forth in the EJG Financial Planning Agreement. Your or Edward Jones’ termination of your enrollment in EJG Financial Planning also will terminate your enrollment in Generations. Ongoing Services and Limitations. Each Financial Plan you receive as part of EJG Financial Planning, both initially and thereafter, is current as of the date set forth in the Financial Plan. While you have ongoing access to your Planning Team to revisit your Financial Plan in exchange for the Annual Fee described herein, Edward Jones, your Planning Team and other Edward Jones personnel will not continuously monitor your Financial Plan nor continuously update your Financial Plan. Rather, your Financial Plan generally will be reviewed and updated prior to each Renewal Date (as defined below) or at such time as you direct it to be updated, based on information you disclose to your Planning Team such as updates to your Financial Planning Profile, progress toward your identified investment goals or changes to your goals as well as updates to any financial planning analysis in your Financial Plan. Each annual update will revisit the Financial Planning Components. While it is anticipated that you will receive an updated Financial Plan at least once per year, in limited instances at your or your Planning Team’s request, the delivery date for an annual Financial Plan may be extended (a “Plan Delivery Extension”). Typically, a Plan Delivery Extension will not extend more than three (3) months into the next occurring annual period. For example, during a Plan Delivery Extension, an annual Financial Plan due to be delivered by January 31, 2026 may instead be delivered to you by April 30, 2026. In the event of a Plan Delivery Extension, your next annual Financial Plan typically will be delivered by the end of the same annual period (i.e., using the foregoing example, your next annual plan typically will be delivered by January 31, 2027). The Annual Fee will continue to be charged to you as set forth in Item 5 regardless of the Plan Delivery Extension. Additionally, if you notify your Planning Team of a material change in circumstance impacting your Financial Plan, your Planning Team will assess whether your Financial Plan requires an interim update and, if so, provide you with an updated Financial Plan at your direction. Additionally, your Planning Team will provide financial planning education to you from time to time over the course of your EJG Financial Planning engagement. It is important for you to monitor your personal situation and current events, such as changes in tax laws and financial markets. You should consult with your tax advisor or CPA on all tax-related matters and with your attorney on all legal matters before taking any action suggested in the Financial Plan. The Financial Plan is based on information and documentation that you provide relating to your financial situation and Financial Groupings. In some cases, the Financial Plan you receive through EJG Financial Planning can address the combined needs of a group of individuals (a “Planning Group”), inclusive of your identified planning needs and the identified planning needs of the other members of the Planning Group. If you qualify for EJG Financial Planning at the Planning Group level and desire to obtain such services, you and the other members of the Planning Group also must each enter into an EJG Financial Planning Agreement and all members of the Planning Group, including you, must consent to share certain personal and financial information with your Planning Team, Edward Jones personnel who provide Other Generations Services to you and your Planning Group as well as the other members of the Planning Group. There may be limitations, as determined by Edward Jones, regarding the number of people in a Planning Group. Additionally, if you have separately directed Edward Jones to group your Edward Jones accounts together with accounts Page 5 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com owned by others for the sole purpose of sharing financial and nonpublic personal information in furtherance of planning for financial goals and/or investing (collectively, a “Relationship Group”), then personal and financial information about you, including but not limited to information obtained or used for purposes of EJG Financial Planning and your Financial Plan(s), will be shared with and accessible to each Relationship Group member and each authorized party of the grouped accounts. Your Relationship Group may include more members and authorized parties than your Planning Group. The members and authorized parties of your Relationship Group will be reflected on the account statements you receive from Edward Jones or, if you do not have an account at Edward Jones, through separate correspondence you receive from Edward Jones. trade more frequently. Edward Jones is the sponsor, broker and investment adviser for a variety of Advisory Programs. Your financial advisor may not offer all Advisory Programs at Edward Jones. Please speak with your financial advisor for more information on these separate services. Additionally, the analysis in the Financial Plan related to accounts that you hold outside of Edward Jones (“Outside Accounts”) is limited to general asset allocation guidance. Edward Jones, its Planning Teams and other Edward Jones personnel do not provide advice or specific investment recommendations on Outside Accounts and the assets held within such accounts. Edward Jones, its Planning Teams and its other Edward Jones personnel are under no obligation to take into account information about your Outside Accounts when providing other brokerage and/or Advisory Programs and other advisory services to you, including but not limited to services provided in connection with your implementation of the Financial Plan. B. Customized Advisory Services Implementation. The Financial Plan you receive through EJG Financial Planning provides general asset allocation guidance and financial planning recommendations. Implementation, or execution, of the asset allocation guidance and other recommendations contained in the Financial Plan you receive is not part of EJG Financial Planning. You will receive one or more separate Investment Plan(s) with implementation guidance from your financial advisor and/or Portfolio Strategist as part of the Generations offering as a separate service from EJG Financial Planning. The Financial Plan will cover the topics discussed above in Item 4 to the extent applicable to your circumstances and will be customized to your individual needs and circumstances. As described above, we rely on the information and documentation you provide to create and update your Financial Plan. This information and documentation will be the factual basis in forming your Financial Plan. C. Client Restrictions We do not provide specific investment recommendations as part of EJG Financial Planning. Therefore, this item is not applicable to EJG Financial Planning. D. Portfolio Management Services to Wrap Fee Programs This item does not apply to EJG Financial Planning. E. Assets Under Management You should carefully consider all relevant factors before deciding how or whether to implement the asset allocation guidance and recommendations contained in the Financial Plan. Any asset allocation guidance shown in the Financial Plan could differ from the actual allocation provided through Edward Jones Advisory Programs and/or brokerage services. You are also not obligated to use Edward Jones to implement your Financial Plan. If you choose to implement some or all of your Financial Plan through Edward Jones, you will have the option of investing through a commission-based brokerage account, a fee-based investment advisory account or both. Edward Jones will act as a broker- dealer or investment adviser depending on the products and services you select. Details about brokerage and investment advisory offerings, including charges, fees and expenses associated with them, are set forth in other agreements and disclosures available through your financial advisor and at edwardjones.com/disclosures. While this information does not apply to EJG Financial Planning, as of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our Advisory Programs. Item 5: Fees and Compensation Fees for EJG Financial Planning If you invest through a brokerage account, you pay commissions and other charges (such as sales loads on mutual funds) at the time of each individual securities transaction. As a result, this type of account may be more appropriate than an investment advisory services account if you do not expect to trade on a regular basis and do not want ongoing investment advice on assets held in an investment advisory services account(s). For investment advisory services accounts, you pay an ongoing asset-based fee (rather than a commission on each individual transaction) for investment advisory services such as investment selection, asset allocation, execution of transactions, custody of securities and account reporting services. The asset-based fee is assessed monthly, in arrears. As a result, an investment advisory services account may be more appropriate than a brokerage account if you want ongoing investment advice and expect to EJG Financial Planning is offered for a recurring Annual Fee. The Annual Fee for the first year of enrollment typically ranges from $5,000 to $45,000 but can increase up to a maximum of $100,000 based on complexity considerations described below. Financial plans addressing business interests are subject to an additional charge of up to $25,000. The actual Annual Fee charged to you for your first year of enrollment will be listed on the Authorization and Agreement Form signed by you. The Annual Fee, and any applicable Annual Fee Exceptions, are subject to change each year and may be increased or decreased Page 6 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Edward Jones. from the prior year. You will be notified of the Annual Fee for each successive year prior to your Renewal Date. The Annual Fee for EJG Financial Planning is calculated based on the complexity of the financial planning services to be provided to you. In determining the complexity of the financial planning services to be provided and the associated Annual Fee, we consider your net worth which is informed by your assets and liabilities, the complexity of your financial situation (e.g., number of Additional Elements and EJG Enhanced Elements to be addressed, variety and type of assets held, asset structure including but not limited to business interests, and complexity of income streams) and the anticipated scope of your planning needs as well as the estimated level of service that the Planning Team expects to provide to you. These factors are taken into account to determine the appropriate Annual Fee within certain bands set by Edward Jones; however, a client may pay more or less than similar clients or clients that receive a similar level of service. If you decide to withdraw from EJG Financial Planning, you will not be entitled to a refund of any fees paid to Edward Jones for an annual period in which you have received a completed Financial Plan, inclusive of a Plan Delivery Extension if applicable. If you have not yet received a completed Financial Plan for a current annual period and have paid some or all of your Annual Fee already, you may be entitled to a refund of the fees paid during the active planning year if your Planning Team has not completed at least three of the five Financial Planning Components of your annual Financial Plan described in Section 4 above. The amount of such a refund will be at the discretion of Edward Jones. If your annual Financial Plan is subject to a Plan Delivery Extension and you have not received a completed Financial Plan by the end of the Plan Delivery Extension period, regardless of whether at least three of the five components have been completed, Edward Jones will refund the amount of the Annual Fee you have paid during such annual period inclusive of the Plan Delivery Extension period. Annual Fee Exceptions. Your Annual Fee in the initial year and/or subsequent years may be lower than the Annual Fee listed above in the following circumstances: Compensation for the Sale of Securities or Other Investment Products. Edward Jones generally pays a portion of the fees described above to your Financial Advisor. Additionally, as described above, the Generations Financial Planning Services do not include specific investment recommendations or implementation of the guidance or other recommendations provided in the Financial Plan. • Either Edward Jones or your financial advisor negotiates a lower Annual Fee based on the size and scope of your relationship with Edward Jones and/or the anticipated fees you will pay to Edward Jones associated with your prospective investment in fee-based Edward Jones Investment Advisory Programs and/or use of Edward Jones Trust Company products and services. Generally, your Annual Fee will be negotiated lower where you plan to invest in our Investment Advisory Programs and/or use Edward Jones Trust Company products and services. • You participated in the Generations pilot; in which case you If you choose to implement your Financial Plan through Edward Jones by purchasing, selling or enrolling in products and services available through Edward Jones, your purchase, sale or enrollment in such products and services will result in revenue to Edward Jones and its affiliates. You will pay the fees and costs associated with the purchase or sale of such products and services. may be eligible for a lower Annual Fee for an extended period of time in exchange for your prior pilot participation and feedback. Reducing or waiving the Annual Fee is at the sole discretion of Edward Jones. Reducing or waiving the fee for some clients and not others creates a conflict of interest as some clients will pay a lower or no Annual Fee. We address this conflict by disclosing it to you. Annual Fee Billing. The Annual Fee for the initial year of your enrollment will be billed to you after you sign the Authorization and Agreement Form. Generally, the Annual Fee for each Renewal Period will be billed to you on or prior to each successive Renewal Date. In the event Edward Jones increases the Annual Fee, the change will be subject to the notice and consent provisions set forth in the EJG Financial Planning Agreement. Your Planning Team will benefit by earning compensation when you purchase, sell or enroll in products and services available through Edward Jones. Financial advisors receive compensation that differs depending on whether you purchase or sell products in a brokerage account or whether you enroll in an advisory account or financial planning service (For example, your financial advisor will earn commissions and other transaction-based compensation in a brokerage account. Whereas, with an advisory account or financial planning service, your financial advisor will earn a percentage of the advisory or financial planning fee.). Planners, Portfolio Strategists, Estate Strategists and Tax Strategists receive periodic bonuses that take into account various metrics including financial metrics such as the number of clients enrolled in Generations and the amount you invest at Edward Jones, but the compensation does not differ based on the type of product or service you purchase through Generations. Additionally, your Planning Team receives firm profit-sharing distributions. Financial advisors also are eligible for other cash and non-cash compensation. Please refer to the “Understanding how we are compensated for financial services” document found at edwardjones.com/compensation for more information about how Edward Jones, your Planning Team and affiliates are Depending on when you enroll, different payment options may be available to you, including, but not necessarily limited to, paying in quarterly installments. Your method of payment will be selected when you sign the Authorization and Agreement Form. If you elect to pay the Annual Fee in quarterly installments per annum, the fee must be deducted from an eligible account held at Page 7 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com compensated. will return in the future, and returns may be significantly different than shown in your Financial Plan. These financial incentives create a conflict between Edward Jones’ interest, your Planning Team’s interests and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s or Portfolio Strategist’s recommendations to you. Additionally, financial advisors and Portfolio Strategists are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. You have the option to implement your Financial Plan through other brokers or investment advisers. As such, you should consider that the fees you pay for such products and services at Edward Jones may be lower or higher than if purchased through another financial institution. Risk of Loss Your financial and personal situation will change over time, including as you approach your financial goals, and you should revisit your Financial Plan and the asset allocation for your accounts periodically in light of changes in your circumstances and financial situation. EJG Financial Planning does not include implementing or real-time updating of the advice or investment strategies recommended in your Financial Plan or real-time monitoring of your financial situation or investment accounts. Rather, your Financial Plan, and the advice and investment strategies recommended in your Financial Plan, will be updated prior to each Renewal Date or, more frequently at your specific direction as described in Item 4 above. It is your responsibility to diligently review your Financial Plan periodically and make changes to update your investment strategy, including rebalancing your investments as needed to meet your portfolio objectives. Item 6: Performance-Based Fees and Side- by-Side Management Edward Jones and its supervised persons do not receive performance-based fees in connection with this service. Item 7: Types of Clients Generally, EJG Financial Planning is available only to residents of the United States and certain U.S. territories. There is no guarantee that you will meet your goals or the expected returns if you invest based on the recommendations in your Financial Plan. All investment strategies and investments involve risk. Any advice or recommendations provided within your Financial Plan, if implemented, may result in one or more accounts being worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your investment objectives will be achieved. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Item 9: Disciplinary Information Methods of Analysis and Investment Strategies Edward Jones collects information from you such as your goals and purpose for investing, assets, risk tolerance, time horizon (time frame over which you will be accumulating and/or distributing your investments), and other personal and financial information. This information is used in our financial planning software and analytical tools to help create your Financial Plan. This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. The analysis contained in your Financial Plan is based on Edward Jones’ long-term capital market assumptions for each asset class. This includes an analysis of historical trends and our global outlook to assist in projecting long-term expected investment performance. Our capital market assumptions include estimates for the risk and return of each asset class, and how asset classes may perform in relation to one another. They are developed by a team of investment professionals through a variety of quantitative modeling techniques and qualitative insights and are subject to change over time based on our analytical judgment. Our asset class capital market assumptions are used to derive the strategic asset allocation guidance and performance expectations used within your Financial Plan. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports Results in your Financial Plan are also derived from Monte Carlo simulations. This simulation model calculates numerous possible outcomes to help forecast events and investment performance. Even though there is in-depth analysis behind these scenarios, there is no guarantee the model will predict what asset classes Page 8 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 10: Other Financial Industry Activities and Affiliations Edward Jones and our affiliates perform services outside of EJG Financial Planning, including opening advisory accounts through our Advisory Programs, the execution of brokerage transactions through brokerage accounts (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), lending, the participation in principal transactions and certain underwritings, and other brokerage and investment advisory services. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services outside of EJG Financial Planning. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products through Edward Jones. Accordingly, we will offer you the option to implement your Financial Plan through Edward Jones in a brokerage or advisory capacity depending on your needs and the level of service you want. You have the sole responsibility for determining if you want to implement some or all of your Financial Plan with Edward Jones and are under no obligation to do so. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families that may be recommended if you implement your Financial Plan with Edward Jones. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing creates a conflict of interest in the form of additional financial benefits to us, our financial advisors, and equity owners. For more information regarding revenue sharing, please visit edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. The following summarizes Edward Jones’ material relationships Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the Page 9 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Do not use any material nonpublic information they may or arrangements with other entities that participate in the financial industry. receive as a result of their employment with Edward Jones Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Olive Street Investment Advisers, LLC, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of affiliated mutual funds available through Edward Jones. Certain current or former associates of Edward Jones serve as officers or directors/ trustees of the affiliated investment adviser and/or the affiliated mutual funds. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. If you choose to implement your Financial Plan with Edward Jones, please review all agreements and disclosures associated with the investment solutions to understand how they work, the fees, charges and expenses you will pay and information about conflicts of interest. Item 12: Brokerage Practices Edward Jones Trust Company (“EJTC”), a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Edward Jones programs. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. If you wish to use Edward Jones to implement your Financial Plan, you should discuss this with your financial advisor and Portfolio Strategist to determine which accounts best suit your needs for purposes of implementation. Additional disclosures on brokerage practices will be provided if you choose to open an account with Edward Jones. If you already have an account with Edward Jones, please refer to the disclosures you already received on brokerage practices or you may request a copy from your financial advisor. You may also see edwardjones.com/ brokerageinformation. Item 13: Review of Your Financial Plan JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As described in Item 4, after you receive your initial Financial Plan, a member of your Planning Team will attempt to set up a consultation with you each year (or at such frequency as you direct) while you are enrolled in EJG Financial Planning to revisit your Financial Plan. After your Financial Plan is delivered to you, initially and each time thereafter, it is your responsibility to periodically review your current Financial Plan and it is your choice whether to implement any or all of your Financial Plan. EJG Financial Planning does not include implementing or real-time updating of the advice or investment strategies recommended in your Financial Plan or real-time monitoring of your financial situation or investment accounts. Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients Item 14: Client Referrals and Other Compensation • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or • Comply with all applicable rules, regulations and laws Page 10 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 15: Custody Edward Jones does not take custody of your assets as part of EJG Financial Planning. If you choose to implement some or all of your Financial Plan through Edward Jones, your assets will be held at Edward Jones as a broker-dealer or Edward Jones Trust Company, depending on the type of account(s). If you implement your Financial Plan through existing accounts at Edward Jones, or open accounts at Edward Jones to implement your Financial Plan, please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the fee for Advisory Programs which is dependent upon the referral or lead becoming a client in an Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third-party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third-party compensation is dependent upon the client enrolling in an Advisory Program, the third party has an incentive to recommend the prospect enroll in an Advisory Program. Item 16: Investment Discretion In addition to the solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. Edward Jones does not have investment discretion as part of EJG Financial Planning. Edward Jones and Edward Jones personnel will not act upon such recommendations or advice resulting from the Financial Plan unless requested by you to do so. If you choose to implement your Financial Plan with Edward Jones, your financial advisor and Portfolio Strategist will provide a separate Investment Plan to you for your consideration. If you choose to implement your Financial Plan with Edward Jones, you can do so in one or more brokerage or advisory accounts. If you decide to implement your plan in one of Edward Jones’ discretionary Advisory Programs, you will be giving Edward Jones discretionary investment and trading authority over such account(s). Refer to the specific Advisory Program brochures for more detail at edwardjones.com/advisorybrochures. Item 17: Voting Client Securities From time to time, Edward Jones enters into cost sharing arrangements with certain third-party referral relationships wherein the referral relationships agree to pay a portion of Edward Jones’ costs in providing services to clients. Cost sharing benefits Edward Jones by offsetting costs Edward Jones would otherwise bear. Edward Jones does not vote client securities as part of Edward Jones Generations Financial Planning. Item 18: Financial Information This section does not apply to Edward Jones. From time to time, affiliates of Edward Jones may make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates may can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Item 19: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of available investments offered by Edward Jones. Our financial advisors are not allowed to consider a product partner’s sponsorship of a marketing activity when providing advice or making any recommendation. Page 11 of 11 LGL-19371B-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.

Edward Jones Guided Solutions® Flex Account Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material change that was made to this brochure following our prior annual filing on February 14, 2025: • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please refer to Termination of Guided Solutions Flex Services in Item 4: Services, Fees and Compensation for more information. Item 3: Table of contents Item 2: Material Changes .................................................................................................................... 2 Item 4: Services, Fees and Compensation ....................................................................................... 3 Item 5: Account Requirements and Types of Clients ........................................................................ 12 Item 6: Guided Solutions Flex Investment Selection and Evaluation ........................................... 12 Item 7: Client Information Provided to Edward Jones ................................................................... 16 Item 8: Client Contact with Edward Jones ...................................................................................... 16 Item 9: Additional Information ...........................................................................................................16 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................. 16 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ........................... 18 Item 10: Requirements for State-Registered Advisers ...................................................................19 Appendix A: Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ..............21 Page 2 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation Before investing in Guided Solutions Flex, you should decide if you are comfortable assuming responsibility for the day-to-day management of your account. Investors in Guided Solutions Flex typically: • Want to be involved in the investment process and approve final trade decisions • Value the receipt of ongoing advice from Edward Jones when making investment decisions Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Guided Solutions® Flex Account (“Guided Solutions Flex”), the fees charged for our services and our business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in Guided Solutions Flex. • Desire a disciplined approach to long-term investing and are willing to adhere to an asset allocation strategy aligned with Edward Jones’ guidance • Are comfortable paying monthly, asset-based (percentage) fees for investments and advice rather than individual, transaction-based commissions or sales charges Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and some have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately through Edward Jones or another broker-dealer or investment adviser. Because Guided Solutions Flex is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Guided Solutions Flex to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Guided Solutions Flex and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in Guided Solutions may be lower or higher than if you purchased the investments or services separately at Edward Jones or through another broker- dealer or investment adviser. Guided Solutions Flex accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are the amount of trading activity you have in your accounts and the corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account, as well as the type of advice you desire. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. For example, the Guided Solutions Flex fees described below will reduce the return you earn on investments held in your account. If the Guided Solutions Flex fees exceed the overall return on your investments, you will experience negative performance in your account. Additionally, it typically will cost you more, and Edward Jones and its financial advisors will receive more revenue, when you hold duration- based investments to maturity or over time in a Guided Solutions Flex account rather than in a commission-based brokerage account at Edward Jones (e.g., Certificates of Deposit (“CDs”), bonds and cash equivalents). The decision to invest in Guided Solutions Flex is yours. Before making this decision, you and your financial advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. If you decide to invest in Guided Solutions Flex, we will not begin providing you advisory services until (a) our acceptance and approval of a written Client Services Agreement (“CSA”) between you and Edward Jones, and (b) funding of the account at the initial minimum investment as determined by Edward Jones. Guided Solutions Flex Overview Guided Solutions Flex is a client-directed advisory program sponsored by Edward Jones designed to provide the client with ongoing investment advice, guidance and services for an asset- based fee. The Guided Solutions Flex experience is rooted in the Page 3 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com working relationship between you and your Edward Jones financial advisor. In consultation with your Edward Jones financial advisor, you will select an appropriate portfolio objective for your Guided Solutions Flex account (your “Account Portfolio Objective”). Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it should have moderate to higher risk. Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. Selecting Your Account Portfolio Objective. In order to invest in Guided Solutions Flex, you will complete a Client Profile that contains important information about your account, which generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance and other financial information. Your time horizon will reflect the expected time frame over which you plan to invest (and potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. If your account is not assigned to a goal established at Edward Jones, then we will recommend an account portfolio objective for your account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments. If your account is assigned to a goal established at Edward Jones, then we will recommend that you select an Account Portfolio Objective that is appropriate for the portfolio objective you selected for your goal (your “Goal Portfolio Objective”). You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Edward Jones constructs and periodically reviews the recommended Target Ranges for each Account Portfolio Objective in Guided Solutions Flex. Due to various influences such as changing market conditions or a reclassification of an Eligible Investment (defined below) to a different asset class, we may change the Target Ranges of an Account Portfolio Objective. If we change the Target Ranges for your Account Portfolio Objective, we will notify you to restore the alignment of your investments with your Target Ranges, if necessary. For more information, see “Account Alignment” below. Edward Jones will have no authority to change your Account Portfolio Objective without your instruction. To change your Account Portfolio Objective, you must meet with your financial advisor to select a new Account Portfolio Objective. After you have selected your Account Portfolio Objective, you may choose from among the investment options available for Guided Solutions Flex (“Eligible Investments”) to implement your Account Portfolio Objective. When analyzing investments and developing recommendations that may be appropriate for your account, we rely on a variety of different sources of information. Such sources may include research conducted by Edward Jones that covers a wide range of Eligible Investments and investment research reports issued by firms that are not affiliated with us. Your Account Portfolio Objective determines the recommended asset allocation and investment category ranges (“Target Ranges”). In addition, Edward Jones’ applies certain guidelines designed to monitor your Guided Solutions Flex account for alignment with your Account Portfolio Objective (“Investment Diagnostics”). The Investment Diagnostics pertain to certain factors including, but not limited to, asset allocation, security and equity sector concentration, bond diversification and fixed-income laddering. One or more Investment Diagnostics assess holdings in your other Edward Jones accounts, if any, assigned to the same goal as your Guided Solutions Flex account. Please contact your financial advisor to learn more about how Investment Diagnostics help you achieve your financial goals. The recommended Target Ranges, as well as Investment Diagnostics, are determined solely by Edward Jones and can be modified by Edward Jones without prior notice. In addition, we may use certain Edward Jones investment tools as a preliminary basis for recommending certain Eligible Investments that align with your Account Portfolio Objective. The use of such investment tools does not guarantee the performance of your account or any investments therein or protect against potential investment losses. Account Portfolio Objectives in Guided Solutions Flex currently include: You decide how much to invest in each Eligible Investment within the Target Ranges. You are also responsible for directing the buying and selling of Eligible Investments in your account as necessary to bring your account into alignment with the Target Ranges for your Account Portfolio Objective. You are responsible for all trading and investment decisions in All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. Page 4 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com your account and should not rely solely on the recommendations of Edward Jones or your financial advisor in choosing among Eligible Investments. Neither Edward Jones nor your financial advisor will have discretionary authority for any trading or investment decisions in your account, except as otherwise described in this Brochure. considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your financial advisor if you are interested in learning more about such investments available for Guided Solutions Flex and the associated risks. There is no guarantee that an Eligible Investment will perform in any particular manner. Past performance is not a guarantee of future results. Details about the mutual funds and/or ETFs in your account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF (collectively, “fund prospectus and other fund documents”). It is important that you read these documents before investing. Investment restrictions may prevent or limit the purchase or continued purchase of certain Eligible Investments. Situations include, but are not limited to, restrictions that prevent purchases of an Eligible Investment and restrictions that only permit current holders of the Eligible Investment to continue making purchases, subject to parameters set forth by Edward Jones. Eligible Investments. Through Guided Solutions Flex, clients can choose from an extensive list of Eligible Investments selected by Edward Jones that primarily includes stocks, bonds, affiliated mutual funds, unaffiliated mutual funds and exchange-traded funds (“ETFs”) across a variety of asset classes, as well as bonds, CDs, and cash equivalents. “Affiliated mutual funds” refers to mutual funds managed by an affiliate of Edward Jones, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”) and the Edward Jones Money Market Fund (“Money Market Fund”). Generally, you may purchase affiliated mutual funds in Guided Solutions Flex. However, Edward Jones prevents the purchase of certain affiliated mutual funds unless you already hold shares of those mutual funds and transfer them into your Guided Solutions account(s). However, Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. Please note that Eligible Investments for Guided Solutions Flex may not be offered in Edward Jones Guided Solutions® Fund accounts or our other advisory programs. Certain Eligible Investments are only available in taxable accounts. Ineligible Investments. You will not be able to hold any investment in your account that Edward Jones has deemed ineligible for Guided Solutions Flex (“Ineligible Investments”) or that is unavailable for your Account. In the event that Edward Jones re-categorizes an investment from an Eligible Investment to an Ineligible Investment, Edward Jones will notify you, and you must instruct Edward Jones to remove the investment from your account within the time frame established for Guided Solutions Flex, as determined by Edward Jones, in our sole discretion. The Money Market Fund is affiliated with Edward Jones but is not available to purchase as an Eligible Investment for Guided Solutions Flex. However, cash balances awaiting investment or reinvestment in your account will be automatically swept into the Money Market Fund, where they will be held until invested in another Eligible Investment. Please refer to Appendix A for more information about the Money Market Fund. Until the Ineligible Investment is replaced, there is a possibility that additional shares of the Ineligible Investment may be purchased. Such purchase(s) may occur in certain instances including, but not limited to, when dividend reinvestments occur. The purchase of additional shares of an Ineligible Investment and the eventual mandatory removal of such shares may result in a taxable event. Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Bridge Builder Funds and the Money Market Fund are affiliated with Edward Jones. If you do not provide instructions to remove an Ineligible Investment within the time frame established by Edward Jones, your account will be removed from Guided Solutions Flex. See “Termination of Guided Solutions Flex Services” for more information. Your account’s asset allocation may include a cash allocation held in the Money Market Fund through the automatic sweep feature described above and/or invested in a third-party money market fund. In certain instances, such as instances of market volatility or uncertainty, you may determine with your financial advisor to increase the amount of cash you hold in your portfolio. The portion of your Guided Solutions Flex account held in the Money Market Fund or other cash vehicles will be included in the calculation of your Guided Solutions Flex Fee (defined below). CDs are treated as fixed-income investments for purposes of your asset allocation and not cash. Account Alignment. Edward Jones will review your account periodically and notify you when your account is out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. If your account is out of alignment for any reason, including, but not limited to, market volatility, an investment becoming an Ineligible Investment for Guided Solutions Flex and/or the purchase or sale of an investment, you will be responsible for realigning your account within the time frame established for Guided Solutions Flex as determined by Edward Jones. To realign your account, you must provide instructions to Edward Jones to buy one or more investments in your account, to sell one or more investments and reinvest the proceeds in your account, to sell an investment and transfer the Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) Page 5 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. proceeds to another account, to transfer an investment to another account or to deposit additional assets in your account. Such transactions may result in tax consequences as well as additional fees and expenses. If you and your financial advisor determine extra flexibility is needed for a period of time, Edward Jones may provide such flexibility without requiring alignment adjustments under certain circumstances such as permitting additional time for portfolio implementation, or for tax or personal reasons. Until alignment occurs, your Account may be exposed to greater risk than your Account Portfolio Objective and/or Goal Portfolio Objective given the deviation from your Target Ranges. Your Guided Solutions Flex account does not offer an automatic rebalancing feature. In the event you do not provide instructions to Edward Jones to realign your account within the required time frame, your account will be removed from Guided Solutions Flex. Your financial advisor is not responsible under the terms of Guided Solutions Flex for monitoring your other Edward Jones accounts, if you have them, on an ongoing basis. However, if you have multiple Edward Jones accounts that are linked to a Goal Portfolio Objective, your financial advisor may recommend that you consider placing a trade in one or more of your other Edward Jones accounts, rather than realigning your Guided Solutions Flex account, in order to address certain Investment Diagnostics. Trade Allocation. Some Guided Solutions Flex trades may be combined with trades for other client accounts and executed in aggregated block trades. From time to time, the volume and/or number of trades that are directed by clients to be executed for Guided Solutions Flex accounts may exceed Edward Jones’ operational and technological capacities if these trades are directed on a single day. For example, this may occur if Edward Jones is re-categorizing an investment from an Eligible Investment to an Ineligible Investment. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may allocate trades based on the time of order entry. In certain circumstances, this process may take several days or weeks. Although designed to be fair and equitable over time, this may result in clients receiving different prices. In addition, if the volume or size of redemptions required to be effected as a result of re-categorizing a mutual fund from an Eligible Investment to an Ineligible Investment exceeds the limits set forth in the mutual fund’s trading policies and procedures, the mutual fund may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on a random allocation process to effect the redemptions over time in a manner consistent with the limits set forth in the mutual fund’s trading policies and procedures. Additionally, at times, Investment Diagnostics limit or restrict certain transactions in your account or require you to realign your account with our guidance, including, but not limited to, Target Ranges. If you are limited or restricted from purchasing a security in your Guided Solutions Flex account, you may elect to purchase, or based on your specific situation, your financial advisor may recommend you purchase the same security in an Edward Jones brokerage account. Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in trades between your account and an Edward Jones error account. When using an error account, we engage in principal transactions. This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. When you place trades in a brokerage account that could be placed in your Guided Solutions Flex account or another fee- based investment advisory account at Edward Jones, a conflict of interest exists as Edward Jones and your financial advisor will earn compensation on the transactions, such as commissions and/or mark-ups or mark-downs, that you would not bear if such transactions were placed in your Guided Solutions Flex account or another fee-based account at Edward Jones. Such transaction fees would be in addition to the asset-based advisory fee that you pay for assets held within your Guided Solutions Flex account or other fee-based account at Edward Jones. Principal Trading. Edward Jones may execute trades for Guided Solutions Flex accounts as principal by selling a security from our inventory to you or purchasing a security from you for our inventory. Principal transactions include certain transactions that you have directed Edward Jones to execute in a principal capacity, fractional share liquidations and corrections of trades originally executed in an agency capacity. Principal transactions cause a conflict between Edward Jones’ and your interests, including when Edward Jones generates additional revenue due to market movement, resulting in gains on our inventory positions. Edward Jones also has an incentive to Brokerage Services. You are solely responsible for all trading decisions in your account, and Edward Jones will execute trades only at your direction, except as otherwise described in this Brochure. When Edward Jones executes trades for your account, we are not acting as an investment adviser, but solely as a broker-dealer. Trading in your account will be subject to our trading policies and practices. You will not be charged trade commissions or mark-ups for Guided Solutions Flex trades. However, Guided Solutions Flex may cost you more or less than purchasing advisory services and brokerage services separately, depending on certain factors such as the frequency of your trading. You cannot request Page 6 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  recommend the purchase of a security held in our inventory that is difficult to sell, a conflict addressed by Edward Jones’ policies and procedures. In certain principal transactions, Edward Jones will provide required disclosures and obtain your verbal consent prior to the trade. Securities and Exchange Commission disgorgements, or other regulatory cases, as well as international class actions and/or collective actions involving publicly traded securities and financial instruments. As part of your CSA, you have provided limited power and authority to Edward Jones and/or the third-party service provider Edward Jones partners with to submit claims on your behalf, either directly or indirectly through such third-party service provider, including execution of necessary forms and documents. Pursuant to your CSA, you will be bound by, and subject to, the terms of all forms and releases that may be entered into for settlements in which a claim is filed on your behalf. In so doing, you appoint Edward Jones and/or the third-party service provider Edward Jones partners with as your administrative agent to process and administer your participation in such asset recovery cases as a class member. This Class Action Service is a separate administrative service, is not part of the advisory services offered in the Guided Solutions Flex program or covered by the Guided Solutions Flex Fee, and Edward Jones does not act in an advisory capacity when making this service available to you. Additionally, Edward Jones will not provide legal advice to you or any other party related to your participation in such Class Actions. Charges for the processing of class action claims shall be subject to a contingency fee assessed by the third-party service provider in the event a recovery is made. The contingency fee shall be a percentage of the total reimbursement of Class Actions settlements the third-party service provider collects. Additional service charges may apply related to the distribution and handling of payment if your account has been closed and a paper check and/or location services/escheatment is required. Margin Loans. Eligible non-retirement account clients may obtain margin loans collateralized by marginable securities held in their accounts. Margin loans for Guided Solutions Flex accounts may be used for “Personal Line of Credit Loans” or “Overdraft Coverage,” but may not be used for the purpose of purchasing securities on credit. When Edward Jones extends a margin loan to you, it is not acting as an investment adviser but solely as a broker-dealer. In making the decision to take out a margin loan, it is important you understand the risks associated with using margin, the costs of margin loans, and how the performance of your account may be negatively affected. Please see the Edward Jones Margin Disclosure Statement and the Statement of Credit Terms (the “Margin Disclosure”) for a discussion of the risks as well as “Margin Risk” below before taking out a margin loan. The Margin Disclosure also includes a discussion of the costs of margin loans. As discussed below, you will pay interest charges on your margin loans in addition to the Guided Solutions Flex Fee. Before taking out a margin loan in your Guided Solutions Flex account, first evaluate the intended duration of the loan and your other options, including alternative loan options or liquidating securities. It is our view that margin loans are most appropriate when short in duration. To the extent that a margin call is triggered in connection with your account and we are forced to sell any securities or other assets to satisfy the margin call, we will act solely in our capacity as a broker-dealer and lender (and not as an investment adviser). Moreover, if selling such securities in order to satisfy a margin call, we will prioritize our interest over your interests. You are automatically enrolled in the Class Action Claim Filing Service. However, you are not obligated to continue to provide Edward Jones with the authority to permit the third-party provider to process any such claims. Rather, you may opt out of this service and pursue such claims on your own by advising Edward Jones, in writing, of your intention to opt out of this third-party service. Custody. Assets in your account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones as sub- custodian. As custodians, Edward Jones and EJTC are responsible for: Further terms and conditions applicable to this Class Action Claim Filing Service can be found at edwardjones.com/accountfeatures. • Safekeeping your funds and securities Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. • Collecting dividends, interest and proceeds from any sales • Disbursing funds from your account Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. Termination of Guided Solutions Flex Services. You or Edward Jones may terminate your participation in Guided Solutions Flex at any time without any advisory termination fee. While oral instructions to terminate your participation in Guided Solutions Flex are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Guided Solutions Flex advisory services for your account. Class Action Claim Filing Service. Edward Jones partners with a third-party service provider to assist with recovery services by filing claims on your behalf in certain “Class Actions” related to securities and other financial instruments held in your account. “Class Actions” includes all U.S. state and federal class actions, Upon notice of termination of your Guided Solutions Flex services, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to the assets in your account, but you may instruct us to sell the securities or transfer the securities to another Edward Page 7 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Jones account or a third-party account. Liquidation of securities held in your account may cause a taxable event as well as additional fees and expenses. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Guided Solutions Flex account, Edward Jones will (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Upon notice of termination, if you fail to instruct Edward Jones as to the disposition of assets in your account, your account’s services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for the money market fund). Any transactions will be subject to fees, commissions and sales charges applicable to Edward Jones brokerage accounts. In general, Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. When a mutual fund company offers multiple share class options for a mutual fund, and you have instructed us to transfer such mutual fund to an Edward Jones Select brokerage account or you fail to provide instructions and your assets are transferred to a Limited Services Account, as defined below, then Edward Jones will determine, in our sole discretion, what share class to convert your mutual fund holding into when transferring your mutual fund holding to the Edward Jones Select brokerage account or Limited Services Account. Mutual fund share class conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Fees Every Guided Solutions Flex account pays asset-based fees (referred to as your “Guided Solutions Flex Fee”). Your Guided Solutions Flex Fee includes a Program Fee and a Platform Fee, less any applicable fee reduction and/or fee offset (as discussed more fully below). In addition to your Guided Solutions Flex Fee, affiliated mutual funds and unaffiliated mutual funds and ETFs that you purchase or that are held in your account have internal fees and expenses that are described in the prospectus of each fund. These internal fees and expenses vary depending on the mutual fund or ETF. The following section explains: In the event Edward Jones is notified by a receiving firm that a transfer of securities from your Guided Solutions Flex account is being rejected in part or whole by such receiving firm Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm. • The fees and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Edward Jones Bridge Builder funds are only available to be purchased or held by you in Edward Jones’ advisory programs. You may not direct us to hold or purchase Bridge Builder funds in an Edward Jones Select brokerage account or at another financial institution. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or an account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs. Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Program Fee Each Guided Solutions Flex account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your account aligned with such guidance; periodic performance reporting; custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. Taxable gains, taxable losses, redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. The Platform Fee A Platform Fee is charged on accounts enrolled in Guided Solutions Flex for the support and maintenance of accounts on the Edward Jones investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. How the Guided Solutions Flex Fee Is Calculated The Guided Solutions Flex Fee, which includes the Program Fee and the Platform Fee, is based on the market value of all assets held in your account, including stocks, mutual funds, ETFs, fixed If you sell the assets in your account, your proceeds will be available upon settlement of the trades generated to complete the liquidation. Because bond markets may be less liquid, these investments may be more difficult to liquidate, especially during periods of extreme market volatility. Therefore, you may experience delays or adverse price fluctuations when liquidating these securities. If you instruct Edward Jones to liquidate equity securities in your account which include fractional shares, as an accommodation Edward Jones will purchase such fractional share(s) as principal into its own account at market value without a mark-up or mark-down. Edward Jones may make a profit on its inventory due to market movements. Page 8 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com account in your Pricing Group, will be added to your Pricing Group. Please contact your financial advisor if you have questions about your Pricing Group. Furthermore, if your account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. In addition, the Guided Solutions Flex Fee may be lower than the above stated maximum annual fee rate in the following circumstances: • Either Edward Jones or your financial advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or • You are a member of an active or eligible retired associate’s income holdings, and cash equivalents, including shares of the Money Market Fund and third-party money market funds. Margin loan balances, if any, do not reduce the market value of your account for the purposes of calculating the Guided Solutions Flex Fee. However, for taxable accounts, the value of any fixed- income syndicate offerings acquired and held in your account will be excluded from the Guided Solutions Flex Fee calculation for a period of time as determined by Edward Jones. The Guided Solutions Flex Fee is assessed at an annual fee rate (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. Pricing Group. Reducing, up to and including a waiver, the Guided Solutions Flex Fee is at the sole discretion of Edward Jones and may result in clients being charged differently for the same or similar services. The Guided Solutions Flex Fee is charged to your account each month in arrears. If your Guided Solutions Flex account is open for part of a month, then you will pay a fee based on the number of days your account was open and invested in Guided Solutions Flex. The amount you pay is determined by the average daily market value of the assets held in your account for the previous month. Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below. Pricing Groups To determine your Program Fee rate and Platform Fee rate, your account may be grouped with your other Edward Jones advisory accounts or the Edward Jones advisory accounts of people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each account can only be in one Pricing Group, and we will disclose to you the accounts making up your Pricing Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: Fee Reductions If your Guided Solutions Flex account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the account is active in Guided Solutions Flex. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security, or other characteristics of the account activity in the previous Edward Jones account. Ask your financial advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your account in Guided Solutions Flex before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your account. If you are selling securities to invest in Guided Solutions Flex but did not purchase them through Edward Jones, you will not receive a fee reduction. 1. Your single, joint, custodial, owner-only 401(k) plan and IRA accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your financial advisor to group your account with other accounts for the purpose of planning and establishing financial goals, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your financial advisor if you have any questions about your Relationship Group.) 2. Your revocable trust accounts are grouped with your single, joint, custodial, owner-only 401(k) plan, IRA or other revocable trust accounts if they are registered at the same address and use the same tax ID number for tax reporting. 3. Your association, church, corporation, estate, irrevocable Fee Offsets Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. trust, LLC, partnership and sole proprietorship accounts are grouped with other accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of accounts will be grouped with each other, but not with other account types. Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the Additionally, accounts that do not meet the above criteria with your account, but that meet the above criteria with another person’s Page 9 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com amount received to your account. share classes with different fees and expenses for each share class. The fund prospectus and other fund documents will describe the internal fees and expenses. Please refer to Item 6 below for more information regarding the selection of mutual funds and ETFs as Eligible Investments for Guided Solutions Flex. Affiliated Mutual Funds: If your account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, other than the Money Market Fund, consist of Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds. Internal fees and expenses are in addition to the Guided Solutions Flex Fee described above and vary depending on the particular mutual fund or ETF. You will not see a separate entry on your account statement showing these fees and expenses. Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). The fund prospectus and other fund documents describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Any internal fees and expenses charged by a mutual fund or ETF will reduce your account’s overall returns and investment performance. Other Fees and Expenses Not Included in the Guided Solutions Flex Fee In addition to the Guided Solutions Flex Fee described above, clients will pay Edward Jones interest on margin loans, if applicable, as set forth in the Margin Disclosure. A client may pay for other services including, but not limited to, debit and check- writing fees, estate service fees and fees to distribute an account pursuant to a transfer on death agreement. Also, the Guided Solutions Flex Fee does not cover the following (if applicable to your account): transfer taxes; electronic fund, wire and other account transfer fees; internal fees and expenses incurred by mutual funds or ETFs purchased for your account; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. How the Guided Solutions Flex Fee is Paid The Guided Solutions Flex Fee is deducted directly from your Guided Solutions Flex account and paid using the cash portion of your account, which may include cash or assets invested in the Money Market Fund. If there is not sufficient cash or assets invested in the Money Market Fund, we are authorized to sell a sufficient amount of assets held in your account to pay the Guided Solutions Flex Fee. Edward Jones will first sell a sufficient amount of shares of mutual funds held in your account to pay the Guided Solutions Flex Fee. If there are not sufficient assets in the mutual funds held in your account, Edward Jones will sell a sufficient amount of shares of ETFs or equity securities, and then a sufficient amount of fixed-income securities necessary to pay the Guided Solutions Flex Fee. If Edward Jones sells mutual funds, ETFs, equity securities or fixed-income securities, this may result in your account being out of alignment with the Target Ranges for your Account Portfolio Objective or with the Investment Diagnostics for your account. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time. (See below for more information on redemption fees.) Trades as a result of a liquidation of a mutual fund or ETF in a taxable account may result in a taxable event. Securities transactions effected to pay the Guided Solutions Flex Fee may necessitate odd-lot sales. Odd-lot sales may result in less favorable pricing conditions. At the sole discretion of Edward Jones, you may be allowed to pay your Guided Solutions Flex Fee from an alternate Edward Jones account. Deposits, including interest and dividends, received into your account but not yet invested in Eligible Investments or swept into the Money Market Fund may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Financial Advisor Compensation Most financial advisors receive a portion of the Program Fee, though some financial advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Mutual funds (including affiliated and unaffiliated mutual funds) and ETFs have internal management fees and ongoing expenses for operating the funds (“internal fees and expenses”) that are deducted from the fund’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many mutual funds that are Eligible Investments in Guided Solutions Flex have different Page 10 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the Account Portfolio Objective or Goal Portfolio Objective (if applicable) you select. As a result, your financial advisor does not have a financial incentive to recommend one Account or Goal Portfolio Objective over another. Your financial advisor does not receive a portion of the Platform Fee. Most financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. Similarly, the Program Fee rate paid to your financial advisor will be the same regardless of the advisory program in which you invest. However, your financial advisor also may receive compensation in connection with margin loans in Guided Solutions Flex as described below. As a result, and if you would be eligible for margin lending but ineligible for the Edward Jones securities-based lending offering called the Edward Jones Reserve Line of Credit (“Reserve Line”), available in some other Edward Jones investment advisory services, your financial advisor will have a financial incentive to recommend Guided Solutions Flex over another advisory program. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/compensation. If you use margin in your account, Edward Jones will receive revenue as a result of charging interest on your margin loan. As a result, there is a material conflict of interest between you and us in connection with margin loans, which we address through disclosure in this Brochure. For example, if you take out or maintain a margin loan rather than withdraw money from your Guided Solutions Flex account, we retain the Guided Solutions Flex Fee that such assets are otherwise generating and charge you interest on any outstanding margin loan balances. Depending on your specific circumstances, including the intended duration of the margin loan and the return on your account, over the long term it may cost you more to take out the margin loan than if you had pursued an alternative loan option or liquidated securities and withdrawn the sale proceeds from your account. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (the “Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Guided Solutions Flex is an investment advisory program offered by Edward Jones. The services provided through Guided Solutions Flex are described in Item 4 above and in Section 1 of the CSA. Although Edward Jones receives more revenue from a margin loan than a loan through the Reserve Line available in the other advisory programs, your financial advisor is compensated the same on both types of loans. You are encouraged to carefully consider the total cost of taking out any margin loan, and any additional compensation to us or your financial advisor, when determining to take out and/or maintain a margin loan. For a description of the fees that may be directly charged to the Plan in connection with Guided Solutions Flex, refer to Fees in Item 4 and the Guided Solutions Flex Schedule of Fees. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a discussion of other potential sources of compensation, see Item 9 below. For a discussion of termination fees that may apply see “Termination of Guided Solutions Flex Services” and “Other Fees and Expenses Not Included in the Guided Solutions Flex Fee” in this Item 4. The amount of your financial advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of a Guided Solutions Flex account. If you purchased investments through Edward Jones as a broker- dealer, you would pay sales charges or commissions, a portion of which would be paid to your financial advisor. A financial advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the alternative, a financial advisor will typically earn more over time if you invest in Guided Solutions Flex. This creates a financial incentive for your financial advisor to recommend Guided Solutions Flex instead of brokerage services. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” The Program Fee, as well as assets under care and client margin loan balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client margin loan balances may also impact a For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for Page 11 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com financial services” document found at edwardjones.com/ compensation. Benefit Plans (individually, “Benefit Plan”) include pension or other employee benefit plans governed by ERISA, a tax-qualified retirement plan (including a Keogh plan, an Edward Jones- sponsored Owner K® plan or a “single owner 401(k)” plan in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), Savings Incentive Match Plan for Employees (“SIMPLE”) IRAs, Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other applicable retirement plans. Comparing Costs, Expenses and Services The Program Fee is a fee for investment advisory services as described above under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “Platform Fee.” Guided Solutions Flex may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your account, the amount of cash in your account, and the trading activity in your account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. Edward Jones can prohibit any person or entity from investing or remaining in Guided Solutions Flex for any reason, including if we do not believe it is an appropriate investment strategy for that person or entity. As a general rule, you should intend to invest in Guided Solutions Flex for a minimum of three (3) years. You can choose to forgo the services of Guided Solutions Flex and buy and sell securities through Edward Jones as a broker- dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits of the program described in this Brochure). We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. You will not be able to purchase certain fixed-income securities if your account value is below $50,000. We can change the minimum at our discretion. However, you will be able to hold eligible fixed-income securities in your account regardless of account value. For example, if you purchased a bond when your account value exceeded $50,000, you can continue to hold that bond even if your account value declines. If you hold less than $50,000 in your account, additional purchases of fixed income holdings will be limited to mutual funds and ETFs that invest in fixed income securities. Copies are available from your financial advisor upon request of our CRS is available at www.edwardjones.com/regbidisclosures, as well as a copy of our educational resource the “Making Good Choices” brochure. If, at any time, you transfer mutual funds into a Guided Solutions Flex account and those mutual funds are current Eligible Investments but in a different share class from those held for Guided Solutions Flex, Edward Jones is authorized to convert those shares into a different share class eligible to be held in Guided Solutions Flex. For more information about share classes, please refer to the Risk of Loss section below. Mutual fund shares held in your Guided Solutions Flex account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into Guided Solutions Flex is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into Guided Solutions Flex. Assets in your Guided Solutions Flex account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. Item 5: Account Requirements and Types of Clients Your initial investment in a Guided Solutions Flex account must generally be at least $25,000. You can fund your Guided Solutions Flex account with cash and/or securities. If you establish your Guided Solutions Flex account and/or later add to your account with Ineligible Investments, you shall give instructions to Edward Jones to liquidate or redeem those Ineligible Investments without regard to tax consequences or redemption fees that may be assessed on the liquidation or redemption of those securities. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. Edward Jones will not provide advice and/or guidance regarding the securities being sold to fund the Guided Solutions Flex account. Trades that occur in a taxable account may cause a taxable event as well as additional fees and expenses. The total value of your account is monitored by Edward Jones. If the value of your account falls significantly (for example, a balance of $10,000 or below), we may, in our discretion, remove your account from Guided Solutions Flex. Edward Jones offers clients a wide range of financial services. Guided Solutions Flex may not be appropriate for every client or every account type. Generally, Guided Solutions Flex is available only to residents or entities of the United States and certain U.S. territories with the following types of accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs; and Benefit Plans. If you request a transfer of securities from your Guided Solutions Flex account to another Edward Jones account or a third-party account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share class. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Guided Solutions Flex account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions could result Page 12 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com level of a fund in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. The appropriate Target Ranges for each Account Portfolio Objective are based on the Edward Jones investment categories. Depending on market volatility, the asset allocations in your account will sometimes depart from the Target Ranges for your Account Portfolio Objective. Different asset classes will perform better than others, resulting in an asset allocation that may have more or less risk than you may want. In order to keep your account in alignment, you should monitor and realign your account if the asset allocations have deviated significantly from the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. Item 6: Guided Solutions Flex Investment Selection and Evaluation Guided Solutions Flex is a client-directed wrap fee program sponsored by Edward Jones. No third-party investment advisers, no related persons or Edward Jones-supervised persons serve as portfolio managers in Guided Solutions Flex. In consultation with your Edward Jones financial advisor, you will select your Account Portfolio Objective and Goal Portfolio Objective (if applicable) and Eligible Investments for your account. For more information, see Item 4. The objective of investing in a variety of Eligible Investments in various types of asset classes allocated in the Target Ranges is to construct a portfolio designed to experience less volatility and show more consistent performance over time. There is no guarantee that this goal will be achieved. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Risk of Loss All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. Methods of Analysis, Investment Strategies and Risk of Loss Edward Jones selects the Eligible Investments available in Guided Solutions Flex based on numerous quantitative and qualitative factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. The processes we use to select and monitor affiliated mutual funds are different from the processes we apply to unaffiliated mutual funds and other Program Eligible Investments. Each Eligible Investment will fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives (as applicable), risks, fees and expenses, and past performance of each Eligible Investment before deciding to invest in Guided Solutions Flex. In selecting and monitoring sub-advisers for our affiliated mutual funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other Eligible Investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. Additionally, you may also invest in certain investments that employ non-traditional strategies. Such investments may hold non-traditional investments or use complex investment and trading strategies. Investments that utilize derivatives or leverage, as an example, can be complex and increase the risk of volatility and loss of investment. Other potential risks may include, but are not limited to: the investment performs in a manner that is difficult to understand relative to traditional investments; lack of liquidity; credit risk; counterparty risk; and adverse tax consequences. Such investments contain unique characteristics and risks. Refer, as applicable, to the fund prospectus and other fund documents that describe risks specific to each fund. Information about each Eligible Investment can be obtained from your financial advisor. Eligible Investments (other than affiliated mutual funds) undergo periodic review by Edward Jones to determine if they remain suitable for Guided Solutions Flex. An Eligible Investment can be re-categorized from an Eligible Investment to an Ineligible Investment for a variety of reasons, including, but not limited to, the following: • Inconsistency with Edward Jones’ investment philosophy • Regulatory concerns • Termination of an agreement with a mutual fund company • Lack of ongoing financial information Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. • A decision by Edward Jones to reduce the overall ownership Page 13 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. Depending on the Eligible Investments you select, your account may also be subject to the following risks: Please refer to the appropriate fund prospectus and other fund documents for more information regarding the available share classes of mutual funds used in Guided Solutions Flex. In our sole discretion, Edward Jones can change the share class of any mutual fund at any time without prior notice to you. Concentration Risk. An account with a limited number of Eligible Investments may experience more volatility than a more diversified account with a larger number of Eligible Investments. Redemptions. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are Eligible Investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, re-categorizes a mutual fund from an Eligible Investment to an Ineligible Investment. If the resulting volume or size of redemptions directed by accounts in Guided Solutions Flex as a result of the re-categorization exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in accounts experiencing increased risk of loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to minimize any potential adverse impact to accounts in Guided Solutions Flex, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks, depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The fund prospectus and other fund documents describe the risks specific to the fund. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Share Classes. Mutual fund investments in Guided Solutions Flex can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Edward Jones considers several factors when selecting a mutual fund share class for Guided Solutions Flex, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Clients should not assume they will be invested in the share class with the lowest expense ratio. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Each fund’s prospectus and other fund documents describe the risks specific to the fund. Edward Jones generally attempts to select institutional and/or advisory share classes for Guided Solutions Flex, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in Guided Solutions Flex, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b-1 fees for shares held in your account, we will credit the amount received to your account as a fee offset. Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of Page 14 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). securities of a foreign company. Investments in foreign markets or foreign companies carry a number of economic, financial and political considerations that are not associated with the U.S. markets and that could unfavorably affect your account’s performance. Among those risks are greater price volatility; weak supervision and regulation of securities exchanges, brokers and issuers; higher brokerage costs; fluctuations in foreign currency exchange rates and related conversion costs; adverse tax consequences; and settlement delays. Fixed-Income Securities Risk. Fixed-income securities, such as bonds, are subject to credit risk and interest rate risk. Credit risk is the possibility that an issuer of an instrument will be unable to make interest payments or repay principal when due. Changes in the financial strength of an issuer or changes in the credit rating of a security may affect its value. Interest rate risk is the risk that interest rates may increase, which tends to reduce the resale value of certain fixed-income securities. Certificate of Deposit Risk. The price of a CD in the secondary market is governed by prevailing interest rates. If a CD is sold before it matures, you may receive less than the original purchase price if interest rates are higher. Edward Jones, though not obligated to do so, may maintain a secondary market in the CD after the purchase which allows CDs to be sold on any business day. Rates paid on CDs may be lower or higher than the rates available directly through the bank that is issuing the CD. You are responsible for monitoring the total amount of CDs and other bank deposits that you hold with any one bank for Federal Deposit Insurance Corporation (“FDIC”) insurance limits. Municipal Securities Risk. Municipal securities are subject to various risks based on factors such as economic and regulatory developments, changes or proposed changes in the federal and state tax structure, deregulation, court rulings and other factors. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generate taxes or revenues. There is a risk that the interest on an otherwise tax- exempt municipal security may be subject to federal income tax. Government Securities Risk. U.S. government securities are subject to interest rate and inflation risks. Not all U.S. government securities are backed by the full faith and credit of the U.S. government. Certain securities issued by agencies and instrumentalities of the U.S. government are only insured or guaranteed by the issuing agency or instrumentality, which must rely on its own resources to repay the debt. As a result, there is risk that these entities will default on a financial obligation. Margin Risk. Our financial advisors provide information and education regarding the availability of margin loans. However, you decide whether to borrow money from us and you decide when and how to pay back any loans. There are certain risks and conflicts of interest that arise when we make margin loans in our role as lender and broker-dealer rather than investment adviser, including (i) the interest rate charged in connection with your loan may be higher than those charged by other lenders and is in addition to the Program Fee; (ii) we may require additional collateral if there is a decline in the market value of the securities that secure your margin loan; (iii) we can sell any securities in your account to satisfy a margin call without notice to you; (iv) we may be required to liquidate securities we would otherwise not recommend you sell, and which may not otherwise be in your best interests to sell, to satisfy a margin call; (v) you are not entitled to select which securities are liquidated to satisfy a margin call and we can sell securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences of a sale; (vi) depending on market conditions, the prices obtained for the securities may be less than favorable and may be less than the value that we or you believe the securities are worth; (vii) the timing of securities sales in connection with a margin call will be different than if those securities were not used as collateral in connection with a margin loan, and may negatively impact the performance of your account and interrupt your investment strategy; (viii) a situation could arise where the value of your account is zero and you still owe money on a loan; and (ix) with respect to the margin loan and collateral, we will act in the capacity of a lender and may take the actions described above, which may be in conflict with your best interest and our role as an investment adviser to your Guided Solutions Flex account. Any action taken by us against the securities in your Guided Solutions Flex account pursuant to the use of margin will not constitute a breach of our fiduciary duties as an investment adviser. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Foreign Investing Risk. Investments in foreign markets or foreign companies may be achieved through investments in securities of foreign issuers; ETFs or mutual funds that hold securities of foreign issuers; or ADRs, which are receipts typically issued by a U.S. bank or trust company evidencing ownership of the underlying Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations Page 15 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Item 8: Client Contact with Edward Jones You may contact your Edward Jones financial Advisor during normal business hours with questions regarding your account. Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Tax Considerations Guided Solutions Flex does not provide tax efficient strategies or tax advice. Your financial advisor may take into account tax considerations as one factor among others when making investment and trading recommendations for your account. However, Guided Solutions Flex does not provide quantitative or programmatic tax loss or gain harvesting services and will not monitor for tax consequences on an ongoing basis. You should consult with your tax advisor for tax advice, including advice on potential tax consequences. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. Voting Proxies When you invest in Guided Solutions Flex, you are solely responsible for voting proxies arising from any securities held in your account. Edward Jones will not take any action and will not render any advice regarding how to vote proxies arising from any securities held in your account. You may receive proxy-related materials and notices from Edward Jones or the applicable securities issuer or mutual fund or ETF sponsor, and you will be responsible for voting proxies. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any Eligible Investments or other assets held in your account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, bankruptcy, and/or class action lawsuit other than the Class Action Claim Filing service described in this brochure and the CSA. However, Edward Jones will promptly forward any such documents to you, or if you are enrolled in the Class Action Claim Filing service, Edward Jones will execute such service as described in this brochure and the CSA. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 7: Client Information Provided to Edward Jones Client information provided to Edward Jones will be maintained in accordance with our privacy policies. Over time, your financial goals and objectives may change. Accordingly, you and your financial advisor must perform an annual review, as set forth in Item 9B below. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania Page 16 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families that are available as Eligible Investments through Guided Solutions Flex. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when selecting Eligible Investments for Guided Solutions Flex. Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub-adviser be selected to manage the affiliated mutual funds. For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your financial advisor. Edward Jones does not receive revenue sharing on assets held in Guided Solutions Flex accounts. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Guided Solutions Flex. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for you and other clients outside of Guided Solutions Flex, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Guided Solutions Flex and other Edward Page 17 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Jones programs. For additional information about this arrangement, please see Item 4. Eligible Investments in Guided Solutions Flex. These brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. You should know that financial advisors, Edward Jones associates (including those directly involved with Guided Solutions Flex) and/or their family members are permitted to and do invest in Guided Solutions Flex. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before our clients and receive a better price on a security. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them Review of Accounts At the time your Guided Solutions Flex account is opened, Edward Jones’ supervisory associates will review your selected Account Portfolio Objective and the funding of your account. If you have sold investments purchased at Edward Jones in order to fund the account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your understanding of Guided Solutions Flex, including the fees and expenses you are or will be paying. • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may receive as a result of their employment with Edward Jones While you are invested in Guided Solutions Flex, Edward Jones will review your account monthly to determine whether your account moves out of alignment with the Target Ranges for your Account Portfolio Objective or with the Investment Diagnostics for your account and will notify you if your account is out of alignment. If this happens, you should work with your financial advisor to determine what adjustments are needed to bring your account back into alignment. In the event that you do not provide instructions to bring your account back into alignment within a time period determined by Edward Jones, your account will be removed from Guided Solutions Flex. For more information on account alignment, see Item 4. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to Eligible Investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. In addition, you and your financial advisor must annually review whether there have been any changes to your financial circumstances including, but not limited to, your risk tolerance, Account Portfolio Objective and Goal Portfolio Objective (if applicable). If you decide to invest in a different Account Portfolio Objective, As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in Guided Solutions Flex buy securities that are also Page 18 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com we may make recommendations to realign your account to match your new Account Portfolio Objective. You will receive a written account statement at least quarterly (monthly in months in which activity occurs in your account) containing a description of all activity in your account during the period, including all transactions, contributions, withdrawals, fees and the value of your account at the beginning and end of the period. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge, and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Our review does not substitute for your own continued review and monitoring of your account and performance of your investments. You should review trade confirmations (as applicable), account statements and other information we send to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) with mutual funds and/or ETFs on the list of Eligible Investments pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of Eligible Investments or the selection of a sub-adviser for affiliated mutual funds. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which Eligible Investments to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Guided Solutions Flex Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Page 19 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. Edward Jones Money Market Fund. Your Guided Solutions Flex account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Bridge Builder Mutual Funds. You may choose to invest in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub- advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable accounts. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that our clients maintain in the Money Market Fund. For any Guided Solutions Flex account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Page 20 of 21 IAS-10455AB-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.

Edward Jones Guided Solutions® Fund Account Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material change that was made to this brochure following our prior annual filing on February 14, 2025. • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please refer to Termination of Guided Solutions Fund Services in Item 4: Services, Fees and Compensation for more information. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Services, Fees and Compensation ....................................................................................... 3 Item 5: Account Requirements and Types of Clients ......................................................................13 Item 6: Guided Solutions Fund Investment Selection and Evaluation ..........................................13 Item 7: Client Information Provided to Edward Jones ....................................................................16 Item 8: Client Contact with Edward Jones .......................................................................................16 Item 9: Additional Information ...........................................................................................................16 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................. 16 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information .......... 18 Item 10: Requirements for State-Registered Advisers ...................................................................19 Appendix A: Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ............. 20 Page 2 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation Before investing in Guided Solutions Fund, you should decide if you are comfortable assuming responsibility for the day-to-day management of your account. Investors in Guided Solutions Fund typically: • Want to be involved in the investment process and approve final trade decisions • Value the receipt of ongoing advice from Edward Jones when making investment decisions Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Guided Solutions® Fund Account (“Guided Solutions Fund”), the fees charged for our services and our business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in Guided Solutions Fund. • Desire a disciplined approach to long-term investing and are willing to adhere to an asset allocation strategy aligned with Edward Jones’ guidance • Are comfortable paying monthly, asset-based (percentage) fees for investments and advice rather than individual, transaction-based commissions or sales charges Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and some have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately through Edward Jones or another broker-dealer or investment adviser. Because Guided Solutions Fund is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing Guided Solutions Fund to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Guided Solutions Fund and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in Guided Solutions may be lower or higher than if you purchased the investments or services separately at Edward Jones or through another broker- dealer or investment adviser. Guided Solutions Fund accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are the amount of trading activity you have in your accounts and the corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account as well as the type of advice you desire. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. Guided Solutions Fund Overview Guided Solutions Fund is a client-directed advisory program sponsored by Edward Jones designed to provide the client with ongoing investment advice, guidance and services for an asset- based fee. The Guided Solutions Fund experience is rooted in the working relationship between you and your Edward Jones financial advisor. In consultation with your Edward Jones financial advisor, you will select an appropriate portfolio objective for your Guided Solutions Fund account (your “Account Portfolio Objective”). The decision to invest in Guided Solutions Fund is yours. Before making this decision, you and your financial advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. If you decide to invest in Guided Solutions Fund, we will not begin providing you advisory services until (a) our acceptance and approval of a written Client Services Agreement (“CSA”) between you and Edward Jones, and (b) funding of the account at the initial minimum investment (if applicable) as determined by Edward Jones. Selecting Your Account Portfolio Objective. In order to invest in Guided Solutions Fund, you will complete a Client Profile that contains important information about your account, which generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance and other financial information. Your time horizon will reflect the expected time frame Page 3 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com over which you plan to invest (and potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. If your account is not assigned to a goal established at Edward Jones, then we will recommend an Account Portfolio Objective for your account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments. If your account is assigned to a goal established at Edward Jones, then we will recommend that you select an Account Portfolio Objective that is appropriate for the portfolio objective you selected for your goal (your “Goal Portfolio Objective”). Edward Jones constructs and periodically reviews the recommended Target Ranges for each Account Portfolio Objective in Guided Solutions Fund. Due to various influences such as changing market conditions or a reclassification of an Eligible Investment (defined below) to a different asset class, we may change the Target Ranges of an Account Portfolio Objective. If we change the Target Ranges for your Account Portfolio Objective, we will notify you if your account’s Target Allocations (defined below) are out of alignment with the new Target Ranges, as necessary. Your Guided Solutions Fund account includes an annual rebalancing feature and may be eligible for on-demand rebalancing. For more information, see “Account Target Alignment” below. You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Edward Jones will have no authority to change your Account Portfolio Objective without your instruction. To change your Account Portfolio Objective, you must meet with your Financial Advisor to select a new Account Portfolio Objective. Your Account Portfolio Objective determines the recommended asset allocation and investment category ranges (“Target Ranges”). After you have selected your Account Portfolio Objective, you may choose from among the mutual funds and exchange-traded funds (“ETFs”) available for Guided Solutions Fund (“Eligible Investments”) and determine the percentage of your money to invest in each Eligible Investment (your “Target Allocations”) in alignment with your Account Portfolio Objective. When analyzing investments and developing recommendations that may be appropriate for your account, we rely on a variety of different sources of information. Such sources may include research conducted by Edward Jones that covers a wide range of Eligible Investments and investment research reports issued by firms that are not affiliated with us. In addition, Edward Jones’ applies certain guidelines designed to monitor your Guided Solutions Fund account for alignment with your Account Portfolio Objective (“Investment Diagnostics”). The Investment Diagnostics pertain to certain factors including, but not limited to, asset allocation, international exposure and security overconcentration. Please contact your financial advisor to learn more about how Investment Diagnostics help you achieve your financial goals. The recommended Target Ranges, as well as Investment Diagnostics, are determined solely by Edward Jones and can be modified by Edward Jones without prior notice. Account Portfolio Objectives in Guided Solutions Fund currently include: In addition, we may use certain Edward Jones investment tools as a preliminary basis for recommending certain Eligible Investments that align with your Account Portfolio Objective. The use of such investment tools does not guarantee the performance of your account or any investments therein or protect against potential investment losses. All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. You are responsible for directing the buying and selling of Eligible Investments in your account, except as otherwise described in this Brochure. You may change your Eligible Investment selections and your Target Allocations at any time, provided you remain aligned with the Target Ranges for your Account Portfolio Objective. Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it should have moderate to higher risk. Initial Investment. You can fund your Guided Solutions Fund account with cash and/or securities. When you fund a Benefit Plan account or a traditional individual retirement account (“IRA”) or Roth IRA account, all incoming assets may be liquidated and the proceeds will be invested in Eligible Investments you have selected. For all other account types, incoming Eligible Investments may or may not be liquidated when your account is initially rebalanced according to your chosen Target Allocations. In any account type, if you establish your Guided Solutions Fund account with Ineligible Investments (defined below), Edward Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. Page 4 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com of Edward Jones or your financial advisor in choosing among Eligible Investments. Neither Edward Jones nor your financial advisor will have discretionary authority for any trading or investment decisions in your account, except as otherwise described in this Brochure. Jones is authorized to liquidate or redeem those Ineligible Investments without regard to tax consequences or redemption fees that may be assessed on the liquidation or redemption of those securities. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. Edward Jones will not provide advice or guidance regarding the securities being sold to fund the Guided Solutions Fund account. Trades that occur in a taxable account may result in taxable events as well as redemption fees and/or sales charges that may be assessed on the liquidation or redemption of securities. Your financial advisor is not responsible under the terms of Guided Solutions Fund for monitoring your other Edward Jones accounts, if you have them, on an ongoing basis. However, if you have multiple Edward Jones accounts that are linked to a Goal Portfolio Objective, your financial advisor may recommend that you consider placing a trade in one or more of your other Edward Jones accounts, rather than realigning your Guided Solutions Fund account, in order to address certain Investment Diagnostics. When you place trades in a brokerage account that could be placed in your Guided Solutions Fund account or another fee-based investment advisory account at Edward Jones, a conflict of interest exists as Edward Jones and your financial advisor will earn compensation on the transactions, such as commissions and/or mark-ups or mark-downs, that you would not bear if such transactions were placed in your Guided Solutions Fund account or another fee-based account at Edward Jones. Such transaction fees would be in addition to the asset-based advisory fee that you pay for assets held within your Guided Solutions Fund account or other fee-based account at Edward Jones. If you transfer shares of mutual funds to open a Guided Solutions Fund account and those mutual funds are current Eligible Investments included in your Target Allocations, but in a different share class from those available in Guided Solutions Fund, you authorize and direct Edward Jones to: (a) convert some or all shares of current Eligible Investments to a different share class available in Guided Solutions Fund, and/or (b) liquidate some or all shares of current Eligible Investments. Conversions could result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Liquidation depends upon factors such as the type and values of the securities you transfer in and the type and values required by your Target Allocations at the time of the transfer. Any securities you transfer into your account that are not Eligible Investments within your Target Allocations will be liquidated and the proceeds invested as described above. Subsequent Investments. Once you have established your Target Allocations and funded your account, you may add or withdraw funds from your account upon request. If after your Guided Solutions Fund account is opened and activated you subsequently transfer in shares of mutual funds that are current Eligible Investments but in a different share class from the share class used in Guided Solutions Fund account, these shares will be liquidated upon transfer into your account and the funds invested in accordance with your model. We will try to make this a nontaxable event but cannot guarantee that you will not owe taxes as a result of the liquidation. For more information about share classes, please refer to the Risk of Loss section below. Eligible Investments. Through Guided Solutions Fund, clients can choose from an extensive list of Eligible Investments selected by Edward Jones that includes affiliated and unaffiliated mutual funds and ETFs across a variety of asset classes. “Affiliated mutual funds” refers to mutual funds managed by an affiliate of Edward Jones, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”) and the Edward Jones Money Market Fund (“Money Market Fund”). Generally, you may purchase affiliated mutual funds in Guided Solutions Fund. However, Edward Jones prevents the purchase of certain affiliated mutual funds unless you already hold shares of those mutual funds and transfer them into your Guided Solutions account(s). Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. Benefit Plan and Zero Minimum accounts with an initial investment of less than $5,000 are limited in the number and types of Eligible Investments they can select. Please note that Eligible Investments for Guided Solutions Fund may not be offered in Edward Jones Guided Solutions® Flex Accounts or our other advisory programs. Certain Eligible Investments are only available in taxable accounts. For purposes of this Brochure, “Benefit Plans” accounts are defined as pension or other employee benefit plans governed by ERISA, a tax-qualified retirement plan (including a Keogh plan, an Edward Jones-sponsored Owner K® plan or a “single owner 401(k)” plan in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), Savings Incentive Match Plan for Employees (“SIMPLE”) IRAs, Upon any subsequent transfer of cash or Ineligible Investments into, or withdrawal of funds out of, your account, Edward Jones will buy or sell Eligible Investments in your account in accordance with your Target Allocations. Ineligible Investments, or Eligible Investments that are not included in your Target Allocations, will be liquidated upon transfer into your account and the funds invested, as described above. Eligible Investments transferred into your account that are included in your Target Allocations will remain in your account, although they may cause you to be out of alignment with your Target Allocations. Eligible Investments transferred out of your account may also cause you to be out of alignment with your Target Allocations. You are responsible for choosing and maintaining Target Allocations that are in alignment with the Target Ranges for your Account Portfolio Objective. You are responsible for all trading and investment decisions in your account and should not rely solely on the recommendations Page 5 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com documents”). It is important that you read these documents before investing. Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other applicable retirement plans. “Zero Minimum” accounts include traditional and Roth IRAs for Edward Jones associates, their spouses and dependent children, and any other types of accounts that Edward Jones, in our sole discretion, may allow to enter Guided Solutions Fund with no minimum initial investment requirement. You may not be able to purchase certain Eligible Investments in your Guided Solutions Fund account. For example, certain mutual funds that are Eligible Investments may be closed to new investors. Additionally, certain Eligible Investments for a Guided Solutions Fund account may not be offered in our other advisory programs. If your Benefit Plan or Zero Minimum account’s initial investment in Guided Solutions Fund is at least $5,000 or if the value of your account increases to $5,000 or more (regardless of any subsequent decrease in value below $5,000), your account can invest in a greater number and additional types of Eligible Investments. The Money Market Fund is affiliated with Edward Jones but is not an Eligible Investment for Guided Solutions Fund. However, cash balances awaiting investment or reinvestment in your account will be automatically swept into the Money Market Fund, where they will be held until invested in an Eligible Investment. Please refer to Appendix A for more information about the Money Market Fund. Ineligible Investments. You will not be able to hold any investment in your Account, or have it serve as a Target Allocation in your Account, that Edward Jones has deemed ineligible for Guided Solutions Fund (“Ineligible Investments”) or that is unavailable for your Account. In the event that Edward Jones re-categorizes an investment from an Eligible Investment to an Ineligible Investment or an Eligible Investment is no longer available for your account, Edward Jones will notify you and recommend a replacement Eligible Investment (which may include affiliated mutual funds). If you do not instruct Edward Jones to remove the Investment from your account within the time frame established for Guided Solutions Fund, as determined by Edward Jones, we will liquidate the Ineligible Investment and purchase the recommended replacement Eligible Investment or, in the case of an unavailable investment, replace it with the recommended Eligible Investment in your Target Allocation. Liquidation may result in a taxable event as well as redemption fees. Your account’s asset allocation may include a cash allocation held in the Money Market Fund through the automatic sweep feature described above and/or invested in a third-party money market fund. In certain instances, such as instances of market volatility or uncertainty, Edward Jones may determine to increase the amount of cash you hold in your portfolio. The portion of your Guided Solutions Fund account held in the Money Market Fund or other cash vehicles will be included in the calculation of your Guided Solutions Fund Fee (defined below). Until the Ineligible Investment or unavailable investment is replaced, there is a possibility that additional shares of that investment may be purchased. Such purchase(s) may occur in a number of instances including, but not limited to, when assets are added to your account or a rebalancing occurs. The purchase of additional shares of an Ineligible Investment and the eventual mandatory removal of such shares may result in a taxable event. You may invest in one or more affiliated mutual funds, which consist of the Bridge Builder Funds. Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Bridge Builder Funds and the Money Market Fund are affiliated with Edward Jones. The replacement Eligible Investment may be subject to higher internal expenses than the prior investment and may result in your Target Allocations being out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your financial advisor if you are interested in learning more about such investments available for Guided Solutions Fund and the associated risk. Account Target Alignment. Edward Jones will review your Target Allocations annually and notify you if they are out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. If your account’s Target Allocations are out of alignment with the Target Ranges or Investment Diagnostics for any reason, you will be responsible for bringing your account’s Target Allocations into alignment within the time frame established for Guided Solutions Fund, as determined by Edward Jones. To realign your account, you must work with your financial advisor to realign your account’s Target Allocations within the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. Realigning your account may result in trading activity, which may cause a taxable event as well as additional fees and expenses. There is no guarantee that an Eligible Investment will perform in any particular manner. Past performance is not a guarantee of future results. Details about the mutual funds and/or ETFs in your account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF (collectively, “Fund prospectus and other fund In the event you do not provide instructions to Edward Jones to realign your account’s Target Allocations inside the Target Ranges or Investment Diagnostics within the required time frame, Page 6 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com your account will be removed from Guided Solutions Fund. Rebalancing. Unless your account’s Target Allocations are out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective, Edward Jones determines your account is aligned to its Target Allocations at your account’s annual review, or your account is otherwise restricted by Edward Jones, we will automatically rebalance your account on an annual basis to restore your account to its Target Allocations of Eligible Investments. Rebalancing is achieved by buying, redeeming or selling shares of Eligible Investments. Rebalancing trades are subject to certain dollar minimums as determined by Edward Jones. You will not be notified before your annual rebalance occurs, unless you are required to bring your account’s Target Allocations into alignment with the Target Ranges or Investment Diagnostics. Asset allocation and rebalancing strategies do not guarantee a profit or protect against loss. Rebalancing trades in a taxable account may result in a taxable event as well as additional fees and expenses. trading day at times determined by Edward Jones. If an Eligible Investment trade is made after the last designated trade aggregation cutoff time, it will be executed on the next business day. You may not receive the same price as trades executed the prior trading day. As a result, trade aggregation may affect the price you pay for an Eligible Investment in your account. ETF trades will be rounded to the nearest whole share. If there is not sufficient cash or assets invested in a money market fund to cover rounding, Edward Jones is authorized to sell a sufficient amount of shares of mutual funds and ETFs held in your account to purchase a whole ETF share. If Edward Jones sells mutual funds or ETFs, this may result in your account being out of alignment with your Target Allocations, the Target Ranges for your Account Portfolio Objective, and/or with the Investment Diagnostics for your account. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a mutual fund company if those mutual fund shares were held for only a short time. (See below for more information on redemption fees.) Your account may be eligible for on-demand rebalancing. Upon receipt of your on-demand rebalancing request, your account will be rebalanced by Edward Jones to restore your account to its Target Allocations of Eligible Investments. On-demand rebalancing will not be available if your account has been rebalanced within thirty-one (31) days prior to your request, if your account is being automatically rebalanced at the time of your request, or if your account is otherwise restricted by Edward Jones. On-demand rebalancing also may not be available while your account’s Target Allocations are out of alignment with your Account Portfolio Objective’s Target Ranges or Investment Diagnostics. If your on-demand rebalancing request is received within 31 days prior to an annual rebalancing date, the on-demand rebalancing will serve as the annual rebalancing. Trade Allocation. From time to time, the volume and/or number of trades that are directed by clients to be executed for Guided Solutions Fund accounts may exceed Edward Jones’ operational and technological capacities if these trades are directed on a single day. For example, this may occur if Edward Jones is re-categorizing an investment from an Eligible Investment to an Ineligible Investment, if a large number of accounts need to be rebalanced, or by request of a mutual fund or ETF sponsor. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may allocate trades based on the time of order entry. In certain circumstances, this process may take several days or weeks. Although designed to be fair and equitable over time, this may result in clients receiving different prices. In addition, if the volume or size of redemptions required to be effected as a result of re-categorizing a mutual fund from an Eligible Investment to an Ineligible Investment or the rebalancing of a large number of accounts exceeds the limits set forth in the mutual fund’s trading policies and procedures, the mutual fund may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on a random allocation process to effect the redemptions over time in a manner consistent with the limits set forth in the mutual fund’s trading policies and procedures. Brokerage Services. You are solely responsible for all trading decisions in your account, and Edward Jones will execute trades only at your direction, except as otherwise described in this Brochure. When Edward Jones executes trades for your account, we are not acting as an investment adviser, but solely as a broker-dealer. Trading in your account will be subject to our trading policies and practices. You will not be charged trade commissions or sales charges for Guided Solutions Fund trades. However, Guided Solutions Fund may cost you more or less than purchasing advisory services and brokerage services separately, depending on certain factors such as the frequency of your trading. You cannot request that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. Guided Solutions Fund trades are generally aggregated. This means that trades for your account are combined with other client accounts, including accounts for Edward Jones associates, and executed in a single trade or series of trades. Once the trade is executed, it is then allocated to your account in the proper amount. Trade aggregation is done to increase operational efficiencies and allows us to keep trading costs down. If we did not aggregate trades, the Program Fee could potentially be higher. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in trades between your account and an Edward Jones error account. When using an error account, we engage in principal transactions. This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will Eligible Investment trades are aggregated and executed each Page 7 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com donate the amount of such gain to charities chosen by Edward Jones. the liquidation and sale of such pledged collateral to satisfy a Maintenance Call, the Lender will prioritize its interests over your interests, and we are obligated to prioritize the Lender’s interests over your interests as the Securities Intermediary (as defined in the Reserve Line Agreement). To learn more about the Reserve Line offering and its availability, please contact your Financial Advisor. Custody. Assets in your account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones as sub-custodian. As custodians, Edward Jones and EJTC are responsible for: • Safekeeping your funds and securities • Collecting dividends, interest and proceeds from any sales • Disbursing funds from your account Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. Edward Jones Reserve Line of Credit. Certain Guided Solutions Fund non-retirement accounts may be eligible to serve as collateral in support of securities-based loans offered by Edward Jones SBL, LLC (the “Lender”), a non-investment adviser, non-bank affiliate of Edward Jones. The securities-based lending offering is called the Edward Jones Reserve Line of Credit (“Reserve Line”). The terms and conditions applicable to Reserve Line are governed by the Edward Jones Reserve Line of Credit Agreement (“Reserve Line Agreement”) and are not included in this brochure. Client “Obligations” (as that term is defined in the Reserve Line Agreement) are collateralized by the pledged account and the assets, including securities, within that account. If your Guided Solutions Fund account is used as collateral to take an advance under the Reserve Line (a “Reserve Line Advance”), your account and assets within it are pledged to support your Obligations and you will not be permitted to withdraw securities or funds from your account unless sufficient collateral remains to support your Obligations as required under the Reserve Line Agreement. The availability of the Reserve Line will depend on whether the Lender is authorized to extend credit in the state where you reside, the value of the assets, including securities held in the pledged accounts and the eligibility guidelines set forth in the Reserve Line Agreement. Lender, at its sole discretion, may refuse a request for a Reserve Line Advance. Reserve Line Advances may be used for personal and business purposes but may not be used for the purpose of purchasing securities or reducing or retiring any indebtedness incurred to purchase securities. Termination of Guided Solutions Fund Services. You or Edward Jones may terminate your participation in Guided Solutions Fund at any time without any advisory termination fee. While oral instructions to terminate your participation in Guided Solutions Fund are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Guided Solutions Fund advisory services for your account. Upon notice of termination of your Guided Solutions Fund services, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to the assets in your account, but you may instruct us to sell the securities or transfer the securities to another Edward Jones account or a third-party account. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Guided Solutions Fund account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Before making the decision to take a Reserve Line Advance, it is important you understand the terms and conditions of the Reserve Line Agreement; the risks and costs associated with taking a Reserve Line Advance; and how the performance of your Guided Solutions Fund account may be negatively affected. Please review the Reserve Line Agreement for a discussion of the risks as well as the “Reserve Line Risk” section below before taking a Reserve Line Advance. The Reserve Line Agreement also includes a discussion of the costs of these advances. You will pay interest charges on a Reserve Line Advance to the Lender, which are separate from, and in addition to, the Guided Solutions Fund Fee (defined below) you pay us. Before taking out a Reserve Line Advance, first evaluate the intended duration of the advance and your other options, including alternative loan options or liquidating securities. It is our view that the use of securities-based lending is most appropriate when short in duration. The costs of a Reserve Line Advance, including interest charges, and Guided Solutions Fund Fee may be greater than the income generated by your Guided Solutions Fund account and, as a result, your account’s value may decrease. To the extent that a “Maintenance Call” (as that term is defined in the Reserve Line Agreement) is triggered in connection with your Reserve Line and the Lender instructs us to liquidate any pledged collateral we will act solely in our capacity as a broker- dealer and not as an investment adviser. Moreover, in causing In general, Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. When a mutual fund company offers multiple share class options for a mutual fund, and you have instructed us to transfer such mutual fund to an Edward Jones Select brokerage account or you fail to provide instructions and your assets are transferred to a Limited Services Account, as defined below, then Edward Jones will determine, in our sole discretion, what share class to convert your mutual fund holding into when transferring your mutual fund Page 8 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com not as an investment adviser. Please see the Reserve Line Agreement for additional information. holding to the Edward Jones Select brokerage account or Limited Services Account. Mutual fund share class conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. In the event Edward Jones is notified by a receiving firm that a transfer of securities in your Guided Solutions Fund account is being rejected in part or whole by such receiving firm, Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm. Fees Every Guided Solutions Fund account pays asset-based fees (referred to as your “Guided Solutions Fund Fee”). Your Guided Solutions Fund Fee includes a Program Fee and a Platform Fee, less any applicable fee reduction and/or fee offset (as discussed more fully below). In addition to your Guided Solutions Fund Fee, affiliated mutual funds and unaffiliated mutual funds and ETFs that you purchase or that are held in your account have internal fees and expenses that are described in the prospectus of each fund. These internal fees and expenses vary depending on the mutual fund or ETF. The following section explains: • The fees and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Edward Jones Bridge Builder funds are only available to be purchased or held by you in Edward Jones’ investment advisory programs and you may not direct us to hold or purchase Bridge Builder funds in an Edward Jones Select brokerage account or at another financial institution. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from an Edward Jones investment advisory account to an Edward Jones Select brokerage account or account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs. Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from an Edward Jones advisory account to an Edward Jones Select brokerage account or account at another financial institution. Taxable gains, taxable losses, redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. The Program Fee Each Guided Solutions Fund account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your account aligned with such guidance; periodic performance reporting; custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. If you sell the assets in your account, your proceeds will be available upon settlement of the trades generated to complete the liquidation. Liquidation of securities held in your account may cause a taxable event as well as additional fees and expenses. The Platform Fee A Platform Fee is charged on accounts enrolled in Guided Solutions Fund for the support and maintenance of accounts on the Edward Jones investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. Upon notice of termination, if you fail to instruct Edward Jones as to the disposition of assets in your account, your account’s services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for money market funds). Any transactions will be subject to fees, commissions and sales charges applicable to Edward Jones brokerage accounts. If you terminate your participation in Guided Solutions Fund, and do not transfer the assets in your Guided Solutions Fund account to an Edward Jones account that is eligible for the Reserve Line, the Reserve Line (if any) associated with your Guided Solutions Fund account will be terminated by the Lender and all outstanding Obligations will immediately be due and payable. How the Guided Solutions Fund Fee is Calculated The Guided Solutions Fund Fee, which includes the Program Fee and the Platform Fee, is based on the market value of all assets held in your account, including cash, cash equivalents, shares of third-party money market funds and shares of the Money Market Fund. Reserve Line Advances, if any, do not reduce the market value of your account for the purposes of calculating the Guided Solutions Fund Fee. The Guided Solutions Fund Fee is assessed at an annual fee rate (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. The Guided Solutions Fund Fee is charged to your account each month in arrears. If your Guided Solutions Fund account is open for part of a month, then you will The Lender may instruct us, in our capacity of Securities Intermediary, to liquidate securities or assets pledged as collateral (without notice to you) in an amount sufficient to satisfy outstanding Obligations. We will act solely in our capacity as a Securities Intermediary in connection with any such instruction, Page 9 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Fund Fee is at the sole discretion of Edward Jones and may result in clients being charged differently for the same or similar services. pay a fee based on the number of days your account was open and invested in Guided Solutions Fund. The amount you pay is determined by the average daily market value of the assets held in your account for the previous month. Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below. Pricing Groups To determine your Program Fee rate and Platform Fee rate, your account may be grouped with your other Edward Jones advisory accounts or the Edward Jones advisory accounts of people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each account can only be in one Pricing Group, and we will disclose to you the accounts making up your Pricing Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: Fee Reductions If your Guided Solutions Fund account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the account is active in Guided Solutions Fund. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security, or other characteristics of the account activity in the previous Edward Jones account. Ask your financial advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your account in Guided Solutions Fund before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your account. 1. Your single, joint, custodial, owner-only 401(k) plan and IRA accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your financial advisor to group your account with other accounts for the purpose of planning and establishing financial goals, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your financial advisor if you have any questions about your Relationship Group.) If you are selling securities to invest in Guided Solutions Fund but did not purchase them through Edward Jones, you will not receive a fee reduction. 2. Your revocable trust accounts are grouped with your single, joint, custodial, owner-only 401(k) plan, IRA or other revocable trust accounts if they are registered at the same address and use the same tax ID number for tax reporting. 3. Your association, church, corporation, estate, irrevocable Fee Offsets Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. trust, LLC, partnership and sole proprietorship accounts are grouped with other accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of accounts will be grouped with each other, but not with other account types. Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the amount received to your account. Additionally, accounts that do not meet the above criteria with your account, but that meet the above criteria with another person’s account in your Pricing Group, will be added to your Pricing Group. Furthermore, if your account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. Please contact your financial advisor if you have questions about your Pricing Group. Affiliated Mutual Funds: If your account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, other than the Money Market Fund, consist of Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds. In addition, the Guided Solutions Fund Fee and/or, if applicable, minimum monthly fee may be lower than the above stated maximum annual fee rate in the following circumstances: • Either Edward Jones or your financial advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or • You are a member of an active or eligible retired associate’s Pricing Group. Reducing, up to and including a waiver, the Guided Solutions Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Page 10 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. charges on a Reserve Line Advance, if applicable, to the Lender, as set forth in the Reserve Line Agreement, which are separate from, and in addition to, the Guided Solutions Fund Fee you pay us. You may pay for other services including, but not limited to, estate service fees, ACH return fees and fees to distribute an account pursuant to a transfer on death agreement. Also, the Guided Solutions Fund Fee does not cover the following (if applicable to your account): transfer taxes; electronic fund, wire and other account transfer fees; internal fees and expenses incurred by mutual funds or ETFs purchased for your account; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. How the Guided Solutions Fund Fee is Paid The Guided Solutions Fund Fee is deducted directly from your Guided Solutions Fund account and paid using the cash portion of your account, which may include cash or assets invested in a money market fund. If there is not sufficient cash or assets in the money market fund, we are authorized to sell a sufficient amount of shares of mutual funds and ETFs held in your account to pay the Guided Solutions Fund Fee. If Edward Jones sells mutual funds or ETFs, this may result in your account being out of alignment with your Target Allocations, the Target Ranges for your Account Portfolio Objective and/or with the Investment Diagnostics for your account. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time. (See below for more information on redemption fees.) Trades as a result of a liquidation of a mutual fund or ETF in a taxable account may result in a taxable event. At the sole discretion of Edward Jones, you may be allowed to pay your Guided Solutions Fund Fee from an alternate Edward Jones account. Deposits, including interest and dividends, received into your account but not yet invested in Eligible Investments or swept into the Money Market Fund may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Mutual funds (including affiliated mutual funds, if any) and ETFs have internal management fees and ongoing expenses for operating the funds (“internal fees and expenses”) that are deducted from the fund’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many mutual funds that are Eligible Investments in Guided Solutions Fund have different share classes with different fees and expenses for each share class. The fund prospectus and other fund documents will describe the internal fees and expenses. Please refer to Item 6 below for more information regarding the selection of mutual funds and ETFs as Eligible Investments for Guided Solutions Fund. Financial Advisor Compensation Most financial advisors receive a portion of the Program Fee, though some financial advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the Account Portfolio Objective or Goal Portfolio Objective (if applicable) you select. As a result, your financial advisor does not have a financial incentive to recommend one Account or Goal Portfolio Objective over another. Your financial advisor does not receive a portion of the Platform Fee. Internal fees and expenses are in addition to the Guided Solutions Fund Fee described above and vary depending on the particular mutual fund or ETF. You will not see a separate entry on your account statement showing these fees and expenses. Similarly, the Program Fee rate paid to your financial advisor will be the same regardless of the investment advisory program in which you invest. As a result, your financial advisor does not have a financial incentive to recommend Guided Solutions Fund over another investment advisory program. Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). The fund prospectus and other fund documents will describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Any internal fees and expenses charged by a mutual fund or ETF will reduce your account’s overall returns and investment performance Other Fees and Expenses Not Included in the Guided Solutions Fund Fee In addition to the Guided Solutions Fund Fee described above, clients may incur other fees and expenses. You will pay interest The amount of your financial advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of a Guided Solutions Fund account. If you purchased investments through Edward Jones as a broker-dealer, you would pay sales charges or commissions, a portion of which would be paid to your financial advisor. A financial advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the alternative, a financial advisor will typically earn more over time if you invest in Guided Solutions Fund. This creates a financial incentive for your financial advisor to recommend Guided Solutions Fund instead of brokerage services. Page 11 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com that are appropriate in light of their financial circumstances. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (the “Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Guided Solutions Fund is an investment advisory program offered by Edward Jones. The services provided through Guided Solutions Fund are described in Item 4 above and in Section 1 of the CSA. For a description of the fees that may be directly charged to the Plan in connection with Guided Solutions Fund, refer to Fees in this Item 4 and the Guided Solutions Fund’s Schedule of Fees. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a discussion of other potential sources of compensation, see Item 9 below. Edward Jones will receive revenue as a result of you taking advances under the Reserve Line, which is based on the amount of the Reserve Line advance. The larger the amount of the Reserve Line Advance, the more revenue Edward Jones receives. In addition, your financial advisor may also receive compensation in connection with Reserve Line Advances depending on the profitability of your financial advisor’s branch. As a result of the foregoing, there is a material conflict of interest between you and us in connection with the Reserve Line, which we address through disclosure in this Brochure and which you are deemed to consent to by taking a Reserve Line Advance. For example, if you take out or maintain a Reserve Line Advance rather than withdraw money from your Guided Solutions Fund account, we retain the Guided Solutions Fund Fee that such assets are otherwise generating and receive revenue from the Lender. The Lender also receives revenue in the form of interest payable on the Reserve Line Advance. Depending on your specific circumstances, including the intended duration of the advance under the Reserve Line and the return on your account, over the long term it may cost you more to take out the Reserve Line Advance than if you had pursued an alternative financing option or liquidated securities and withdrawn the sale proceeds from your account. You are responsible for determining whether a Reserve Line is appropriate for your liquidity needs, the acceptability of the lending terms, and potential adverse tax or other consequences for you. You are encouraged to carefully consider the total cost of taking out an advance under the Reserve Line, and any additional compensation to us or your financial advisor or the Lender, when determining to take out and/ or maintain a Reserve Line Advance. For a discussion of termination fees that may apply see “Termination of Guided Solutions Fund Services” and “Other Fees and Expenses Not Included in the Guided Solutions Fund Fee” in this Item 4. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. The Program Fee, as well as assets under care and Reserve Line Advance balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client Reserve Line Advance balances, may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). Most financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Comparing Costs, Expenses and Services The Program Fee is a fee for investment advisory services as described above under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “Platform Fee.” Guided Solutions Fund may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your account, the amount of cash in your account, and the trading activity in your account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. You can choose to forgo the services of Guided Solutions Fund and buy and sell securities through Edward Jones as a broker- dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits of the program described in this Brochure). These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services We have provided you with materials that explain our brokerage Page 12 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. Copies are available from your financial advisor upon request of our CRS is available at www.edwardjones.com/regbidisclosures, as well as a copy of our educational resource the “Making Good Choices” brochure Item 6: Guided Solutions Fund Investment Selection and Evaluation Item 5: Account Requirements and Types of Clients Your initial investment in a Guided Solutions Fund account must generally be at least $5,000, except for Benefit Plan and Zero Minimum accounts. There is no minimum initial investment requirement for Benefit Plan or Zero Minimum accounts. Guided Solutions Fund is a client-directed wrap fee program sponsored by Edward Jones. No third-party investment advisers, no related persons or Edward Jones-supervised persons serve as portfolio managers in Guided Solutions Fund. In consultation with your Edward Jones financial advisor, you will select your Account Portfolio Objective and Goal Portfolio Objective (if applicable) and Eligible Investments for your account. For more information, see Item 4. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. The total value of your account is monitored by Edward Jones. If the value of your account falls significantly (for example, a balance of $2,000 or below), we may, in our discretion, remove your account from Guided Solutions Fund. This is also applicable to Benefit Plan and Zero Minimum accounts with an account balance that has reached or exceeded $5,000. Minimum account values do not apply to Edward Jones associates, their spouses or dependent children. Methods of Analysis, Investment Strategies and Risk of Loss Edward Jones selects the Eligible Investments available in Guided Solutions Fund based on numerous quantitative and qualitative factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. Edward Jones offers clients a wide range of financial services. Guided Solutions Fund may not be appropriate for every client or every account type. Generally, Guided Solutions Fund is available only to residents or entities of the United States and certain U.S. territories with the following types of accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs; and Benefit Plans. The processes we use to select and monitor affiliated mutual funds are different from the processes we apply to unaffiliated mutual funds and other Program Eligible Investments. Edward Jones can prohibit any person or entity from investing or remaining in Guided Solutions Fund for any reason, including if we do not believe it is an appropriate investment strategy for that person or entity. As a general rule, you should intend to invest in Guided Solutions Fund for a minimum of three (3) years. In selecting and monitoring sub-advisers for our affiliated mutual funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other Program Investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. Mutual fund shares held in your Guided Solutions Fund account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into Guided Solutions Fund is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into Guided Solutions Fund. Assets in your Guided Solutions Fund account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. Eligible Investments (other than affiliated mutual funds) undergo periodic review by Edward Jones to determine if they remain suitable for Guided Solutions Fund. An Eligible Investment can be re-categorized from an Eligible Investment to an Ineligible Investment for a variety of reasons, including, but not limited to, the following: • Inconsistency with Edward Jones’ investment philosophy • Regulatory concerns • Termination of an agreement with a mutual fund company • Lack of ongoing financial information • A decision by Edward Jones to reduce the overall ownership If you request a transfer of securities from your Guided Solutions Fund account to another Edward Jones account or a third-party account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share class. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Guided Solutions Fund account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions could result Page 13 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com level of a fund investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. Depending on the Eligible Investments you select, your account may also be subject to the following risks: Depending on market volatility, your account will sometimes depart from the Target Ranges for your Account Portfolio Objective. Different asset classes will perform better than others, resulting in an asset allocation that may have more or less risk than you may want. In order to keep your account in alignment with the Target Ranges for your Account Portfolio Objective, you should monitor this and you may realign your account if it has deviated significantly from the Target Ranges for your Account Portfolio Objective. Concentration Risk. An account with a limited number of Eligible Investments may experience more volatility than a more diversified account with a larger number of Eligible Investments. Guided Solutions Fund accounts will be automatically rebalanced by Edward Jones on an annual basis to restore your account to its Target Allocations of Eligible Investments, except as otherwise set forth in this Brochure. For more information on account rebalancing, see Item 4. The objective of investing in a variety of Eligible Investments in various types of asset classes allocated in the Target Ranges is to construct a portfolio designed to experience less volatility and show more consistent performance over time. There is no guarantee that this goal will be achieved. Risk of Loss All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The fund prospectus and other fund documents describe the risks specific to the fund. Each Eligible Investment will fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives, strategies, risks, fees and expenses, and past performance of each Eligible Investment before deciding to invest in Guided Solutions Fund. Share Classes. Mutual fund investments in Guided Solutions Fund can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Edward Jones considers several factors when selecting a mutual fund share class for Guided Solutions Fund, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Clients should not assume they will be invested in the share class with the lowest expense ratio. Edward Jones generally attempts to select institutional and/or advisory share classes for Guided Solutions Fund, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Additionally, you may also invest in certain investments that employ non-traditional strategies. Such investments may hold non-traditional investments or use complex investment and trading strategies. Investments that utilize derivatives or leverage, as an example, can be complex and increase the risk of volatility and loss of investment. Other potential risks may include, but are not limited to: the investment performs in a manner that is difficult to understand relative to traditional investments; lack of liquidity; credit risk; counterparty risk; and adverse tax consequences. Such investments contain unique characteristics and risks. Refer, as applicable, to the fund prospectus and other fund documents that describe risks specific to each fund. Information about each Eligible Investment can be obtained from your financial advisor. Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value nonfinancial goals more than financial returns. Additionally, while segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in Guided Solutions Fund, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b-1 fees for Page 14 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com shares held in your account, we will credit the amount received to your account as a fee offset. Please refer to the appropriate prospectus and SAI for more information regarding the available share classes of mutual funds used in Guided Solutions Fund. In our sole discretion, Edward Jones can change the share class of any mutual fund at any time without prior notice to you. Redemptions. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are Eligible Investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, re-categorizes a mutual fund from an Eligible Investment to an Ineligible Investment. If the resulting volume or size of redemptions directed by accounts in Guided Solutions Fund as a result of the re-categorization exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in accounts experiencing increased risk of loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to minimize any potential adverse impact to accounts in Guided Solutions Fund, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Each fund’s prospectus and other fund documents describe the risks specific to the fund. However, you decide whether to take Reserve Line Advances and you decide when and how to pay back any such advances. There are certain risks and conflicts of interest that arise when you take a Reserve Line Advance, including (i) the interest rate charged by the Lender in connection with the Reserve Line Advance may be higher than those charged by other lenders for financing and is in addition to the Guided Solutions Fund Fee; (ii) the Lender is permitted to modify its collateral maintenance requirements at any time and without providing advance written notice to you; (iii) the Lender may require additional collateral or that you repay all or a portion of a Reserve Line Advance if there is a decline in the market value of the securities in the account that was pledged as collateral; (iv) the Lender can instruct us to liquidate any and all of the securities in your pledged account to satisfy a Maintenance Call without notice to you (even if the Lender has already notified you and provided a date by which you can meet a Maintenance Call); (v) you are not entitled to an extension of time on a Maintenance Call; (vi) to satisfy a Maintenance Call, Lender may instruct us to liquidate any or all of the securities in a pledged account that we would otherwise not recommend you sell and that may not otherwise be in your best interest to sell; (vii) liquidation of securities to satisfy a Maintenance Call could result in your account being out of alignment with your Account Portfolio Objective and result in other securities being sold to bring your account back into alignment with your portfolio objective; (viii) the liquidation of securities to satisfy a Maintenance Call could have adverse tax consequences to you; (ix) you are not entitled to select which securities in a pledged account are liquidated to satisfy a Maintenance Call and Lender can instruct us to liquidate securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences; (x) depending on market conditions, the prices obtained for the liquidated securities may be less than favorable and may be less than the value that we or you believe the securities are worth and may negatively impact the performance of your account and interrupt your investment strategy; (xi) the timing of securities sales in connection with a Maintenance Call will be different than if those securities were not used as collateral in connection with the Reserve Line; (xii) a situation could arise where the value of your account is zero and you still owe money on a Reserve Line Advance; (xiii) we will act as a Securities Intermediary (as that term is defined in the Reserve Line Agreement), and not as an investment adviser, in connection with a Maintenance Call which may be in conflict with your best interest and our role as an investment adviser to your Guided Solutions Fund account; and (xiv) you will still be responsible for any deficiency if the value of the assets liquidated is insufficient to satisfy your obligations to the Lender under the Reserve Line. Please see the Reserve Line Agreement for a discussion of risks related to utilizing the Reserve Line. Any action taken by us in connection with a Maintenance Call will not constitute a breach of our fiduciary duties as an investment adviser. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Reserve Line Risk. Our financial advisors provide information and education regarding the availability of the Reserve Line. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or Page 15 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. Voting Proxies When you invest in Guided Solutions Fund, you are solely responsible for voting proxies arising from any securities held in your account. Edward Jones will not take any action and will not render any advice regarding how to vote proxies arising from any securities held in your account. You may receive proxy-related materials and notices from Edward Jones or the applicable mutual fund or ETF sponsor, and you will be responsible for voting proxies. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any Eligible Investments or other assets held in your account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, class action lawsuit and/or bankruptcy. However, Edward Jones will promptly forward any such documents to you. Item 7: Client Information Provided to Edward Jones Client information provided to Edward Jones will be maintained in accordance with our privacy policies. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Over time, your financial goals and objectives may change. Accordingly, you and your financial advisor must perform an annual review, as set forth in Item 9B below. Item 8: Client Contact with Edward Jones You may contact your Edward Jones financial advisor during normal business hours with questions regarding your account. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Page 16 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. recommendations we make to clients to buy or sell securities or investment products. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families that are available as Eligible Investments through Guided Solutions Fund. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when selecting Eligible Investments for Guided Solutions Fund. Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub-adviser be selected to manage the affiliated mutual funds. For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing on assets held in Guided Solutions Fund accounts. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Guided Solutions Fund. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/ trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for you and other clients outside of Guided Solutions Fund, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Guided Solutions Fund and other Edward Jones programs. For additional information about this Page 17 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com arrangement, please see Item 4. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. You should know that financial advisors, Edward Jones associates (including those directly involved with Guided Solutions Fund) and/or their family members are permitted to and do invest in Guided Solutions Fund. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before our clients and receive a better price on a security. To address this potential conflict, trades JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. for financial advisors, Edward Jones associates (including those directly involved with Guided Solutions Fund) and/or their family members are aggregated along with other trades, which may include trades for your account. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients • Place your and all of our clients’ interests first Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them • Comply with all applicable rules, regulations and laws • Do not use any material nonpublic information they may receive as a result of their employment with Edward Jones Review of Accounts At the time your Guided Solutions Fund account is opened, Edward Jones’ supervisory associates will review your selected Account Portfolio Objective and the funding of your account. If you have sold investments purchased at Edward Jones in order to fund the account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your understanding of Guided Solutions Fund, including the fees and expenses you are or will be paying. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to Eligible Investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. While you are invested in Guided Solutions Fund, Edward Jones will review your Target Allocations annually to determine whether they are in alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective and will notify you if they are not. If this happens, you should work with your financial advisor to determine what adjustments are needed to bring your account’s Target Allocations back into alignment. In the event that you do not provide instructions to bring your account back into alignment within a time period determined by Edward Jones, your account will be removed from Guided Solutions Fund. For more information on account alignment, see Item 4. As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in Guided Solutions Fund buy securities that are also Eligible Investments in Guided Solutions Fund. These In addition, you and your financial advisor must annually review whether there have been any changes to your financial Page 18 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  circumstances including, but not limited to, your risk tolerance, Account Portfolio Objective and Goal Portfolio Objective (if applicable). firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. If you decide to invest in a different Account Portfolio Objective, we may make recommendations to realign your account to match your new Account Portfolio Objective. You will receive a written account statement at least quarterly (monthly in months in which activity occurs in your account) containing a description of all activity in your account during the period, including all transactions, contributions, withdrawals, fees and the value of your account at the beginning and end of the period. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge, and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Our review does not substitute for your own continued review and monitoring of your account and performance of your investments. You should review trade confirmations (as applicable), account statements and other information we send to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) with mutual funds and/or ETFs on the list of Eligible Investments pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of Eligible Investments or the selection of a sub-adviser for affiliated mutual funds. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which Eligible Investments to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Guided Solutions Fund Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services Page 19 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds For any Guided Solutions Fund account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Edward Jones Money Market Fund. Your Guided Solutions Fund account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. Bridge Builder Mutual Funds. You may choose to invest in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub- advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable accounts. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that our clients maintain in the Money Market Fund. Page 20 of 21 IAS-10458AA-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Investment Advisory Program as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. PAGE 1 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure since our first filing on November 7, 2025: • We are updating the Brochure to reflect that Edward Jones, in its sole discretion, can determine what share class to convert a mutual fund holding when transferring such holding to an Edward Jones Select brokerage account or Limited Services Account (as defined in the Brochure) when there are multiple options available. Please refer to Termination of IAP Services in Item 4: Services, Fees and Compensation for more information. • We are updating the Brochure to reflect that Edward Jones now votes proxies for all strategies. Please refer to Voting Client Securities in Item 6: Portfolio Manager Selection and Evaluation for more information. • We are updating the Brochure to include additional risks associated with the Multi-Year Transition Service. Please refer to Risk of Loss in Item 6: Portfolio Manager Selection and Evaluation for more information. • We are updating the Brochure to add a new portfolio setting for Custom Managed Solutions accounts. When chosen, Edward Jones will select your investments on an initial and ongoing basis according to your indicated preferences. Please refer to Investment and Trading Discretion in Item 4: Services, Fees and Compensation for more information. Item 3: Table of contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................... 2 Item 4: Services, Fees and Compensation ....................................................................................... 3 Item 5: Account Requirements and Types of Clients ..................................................................... 25 Item 6: Portfolio Manager Selection and Evaluation ...................................................................... 26 Item 7: Client Information Provided to Portfolio Managers ........................................................... 34 Item 8: Client Contact with Portfolio Managers .............................................................................. 35 Item 9: Additional Information .......................................................................................................... 35 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................. 35 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information .......... 36 Item 10: Requirements for State-Registered Advisers .................................................................. 38 Appendix A: Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ............. 39 PAGE 2 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Investment Advisory Program (“IAP”), the fees charged for our services and our business practices. You should read this Brochure carefully and consult with your tax professional before you decide to invest in IAP. In evaluating fee-based advisory programs, you should consider a number of factors. You may be able to obtain some or all of the same or similar investments and/or services available through this and other fee-based advisory programs separately at Edward Jones or through another broker-dealer or investment adviser. You should consider that, depending on the circumstances, the aggregate fees you will pay for investing in IAP may be lower or higher than if you purchased the investments or services separately or through another broker-dealer or investment adviser. IAP accounts (“Account”) and other advisory accounts offered through Edward Jones provide ongoing investment advice for an asset-based fee, rather than charging commissions for transactions in your account. Brokerage accounts, on the other hand, can charge commissions for transactions and typically provide investment advice that is point-in-time and solely incidental to the brokerage services provided. As a result, important factors to consider are type of advice you desire as well as the amount of trading activity you have in your accounts and the corresponding commissions that would be charged if you bought and sold individual securities in a brokerage account. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Because IAP is an investment advisory service offered by Edward Jones as an SEC-registered advisor, Edward Jones has a fiduciary duty to act in your best interest and to abide by the duties of care and loyalty under the Investment Advisers Act of 1940 when providing IAP to you. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from IAP and each is governed by separate arrangements that we may have with you. Brokerage services are subject to different laws than investment advisory services. The specific services provided to you, our relationship with you and our legal duties to you in each arrangement are described in our applicable agreements with you and the disclosures we provide to you in connection with those services. You also may experience different performance results or tax consequences from what you would by purchasing the investments separately or through another broker-dealer or investment adviser. For example, the IAP Fee (defined further below) will reduce the return you earn on investments held in your Account. If the IAP Fee exceeds the overall return on your investments, you will experience negative performance in your Account. Additionally, it typically will cost you more, and Edward Jones and its financial advisors will receive more revenue, when you hold duration-based investments to maturity or over time rather than in a commission-based brokerage account at Edward Jones (e.g., Certificates of Deposit (“CDs”), bonds and cash equivalents). As further described in the Services Agreement, each Planning Group must execute the Services Agreement except as otherwise permitted by Edward Jones. IAP is being recommended to the Planning Group as being in the best interest of the Planning Group and in alignment with the Planning Group’s preferences. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of our fiscal year end on December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. This Brochure will apply to all Accounts and associated Strategies opened now or in the future as instructed by you. You will not receive this Brochure each time you open a new Account, transfer an existing non-IAP Account to IAP, or change your Strategy. This Brochure will only be provided upon signing your Services Agreement; however, you will be made aware of all material updates to this Brochure and can find the latest version of this Brochure by visiting www. edwardjones.com/advisorybrochures. Alternatively, you may request a copy from your financial advisor at any time. IAP Overview. IAP is a wrap fee program which offers both discretionary and non-discretionary investment strategies (“Strategy or Strategies”). You may open one or more Accounts under IAP and determine the specific Strategy for each Account. In order to utilize a Strategy, you will need to instruct your The decision to invest in IAP is yours. Before making this decision, you and your financial advisor should discuss whether other programs or investments may be more appropriate for your investment goals or needs. If you decide to invest in IAP, we will not begin providing you advisory services until (a) our acceptance and approval of the “Services Agreement” as referred to in the Investment Advisory Program Client Services Agreement between you and Edward Jones (b) we receive your instruction to open a new account or transfer an existing non-IAP account to IAP, and (c) your account is open and able to be invested in the selected Strategy (defined below) and as further described in this Brochure. PAGE 3 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com have the option of utilizing SMAs as described further below. • Financial Advisor Managed Solutions (“FA Managed”). If financial advisor to open an Account, transfer an existing Edward Jones account into IAP, or change your Strategy in an existing Account. Additionally, before investing in a specific Strategy, you should decide if you prefer to delegate the day-to-day management of your Account or assume this responsibility yourself. selecting FA Managed, you are granting your financial advisor, and under various circumstances Edward Jones, full authority to act with investment discretion to decide what investments to buy or sell without your prior approval of each transaction in order to construct and manage your portfolio. Investors in discretionary IAP Strategies typically: • Need advice and guidance when making investment decisions Non-Discretionary Strategies. IAP non-discretionary strategies currently include: • Are at ease with Edward Jones or their financial advisor • Client Directed Solutions (“Client Directed”). If selecting Client making their day-to-day investment decisions • Are willing to follow a disciplined investment strategy Directed, you are retaining authority to make trading and investment decisions in your Account in alignment with Edward Jones guidance except as further provided in this Brochure. • Are comfortable paying monthly, asset-based (percentage) fees for investments and advice rather than individual, transaction-based commissions or sales charges. Investors in non-discretionary IAP Strategies typically: • Want to be involved in the investment process and approve Eligible Investments. Eligible investments differ depending on the Strategy selected and may change in Edward Jones sole discretion. Additionally, certain eligible investments are only available in taxable Accounts and are subject to product minimums. final trade decisions • Value the receipt of ongoing advice from Edward Jones when making investment decisions • Desire a disciplined approach to long-term investing and are willing to adhere to an asset allocation strategy aligned with Edward Jones’ guidance • Are comfortable paying monthly, asset-based (percentage) Managed Solutions and Custom Managed Solutions. Eligible investments include affiliated mutual funds, unaffiliated mutual funds, exchange-traded funds (“ETFs”), and SMAs. Additionally, alternative investments are available in Custom Managed Solutions only as described further below. Unaffiliated SMAs are available in both Managed Solutions and Custom Managed Solutions. Affiliated SMAs are available in Custom Managed Solutions only. fees for investments and advice rather than individual, transaction-based commissions or sales charges The information provided in this Brochure applies generally to all Strategies and services unless a specific Strategy is referenced. Strategies may be modified, removed, or added at Edward Jones sole discretion. Discretionary Strategies. IAP discretionary strategies currently include: • Managed Solutions. If selecting Managed Solutions, you are fully delegating investment discretion based on your portfolio preferences and/or model selection to Edward Jones. Edward Jones has full authority to decide what investments to buy or sell without your prior approval of each transaction in order to construct and manage your portfolio. Within Managed Solutions, you will work with your financial advisor to determine the level of personalization for the construction of your portfolio. Clients selecting the Managed Solutions Strategy also have the option of utilizing Separately Managed Accounts (“SMAs”) as described further below. • Custom Managed Solutions. If selecting Custom Managed “Affiliated mutual funds” refers to mutual funds managed by an affiliate of Edward Jones, which consist of the Bridge Builder family of mutual funds (“Bridge Builder Funds”) and the Edward Jones Money Market Fund (“Money Market Fund”). Please read this Brochure carefully to understand the differences between affiliated mutual funds and unaffiliated mutual funds, including additional conflicts of interest that Edward Jones is subject to in connection with recommending affiliated mutual funds and how such conflicts are addressed. Some affiliated mutual funds are only available to be held or purchased in IAP and other Edward Jones advisory programs and are not available to be held or purchased in an Edward Jones Select brokerage account or at another financial institution. Further restrictions on the purchase of certain affiliated mutual funds may apply depending on the Strategy selected. Edward Jones also prevents the purchase of certain affiliated mutual funds for certain Strategies unless you held shares of those mutual funds in a Strategy that permits the purchase of affiliated mutual funds and then transfer them to the Account that may otherwise not permit such purchases. Edward Jones, in its sole discretion, may make exceptions based on the particular facts and circumstances of your situation. Solutions, you will work with your financial advisor to determine how you prefer your account to be managed on an ongoing basis. You are responsible for choosing your portfolio preferences and/or selecting the investments from our list of eligible investments for your Account. You also authorize Edward Jones to take action in order to maintain alignment for your portfolio on an ongoing basis and in our sole discretion. Clients selecting the Custom Managed Solutions Strategy also The unaffiliated SMAs are managed or recommended by one or more unaffiliated investment advisers (“Unaffiliated Managers”), while the affiliated SMAs are managed or recommended by Edward Jones (“Affiliated Manager”). Collectively, we refer to Unaffiliated Managers and Affiliated Managers as the “SMA Managers” throughout this Brochure. The affiliated SMAs are created by Edward Jones through a separate advisory program PAGE 4 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com automatically default to the Strategy most consistent with your existing Edward Jones non-IAP advisory account, as determined by Edward Jones. Edward Jones non-IAP advisory accounts will migrate to IAP as follows: called the Edward Jones SMA Model Portfolios. Please read this Brochure and the accompanying Edward Jones SMA Model Portfolios Brochure (if selecting this SMA) to understand the key risks and differences for this SMA. You may also request a copy of the affiliated SMA brochure from your financial advisor at any time. • Both Advisory Solutions Unified Managed Account Models accounts and Advisory Solutions Fund Models accounts utilizing Research Models in these programs will become Managed Solutions Accounts consistent with your prior non-IAP advisory account model configuration (whether as Research Models or personalized Research Models). Edward Jones and the Executing SMA Manager (as applicable) will maintain discretion. If utilizing an SMA, SMAs are provided to you by Edward Jones employing multi-style investment services that are implemented in your Account by Edward Jones using overlay management. For more information on the services associated with overlay management, please read this Brochure and the accompanying brochure for the Edward Jones Overlay Management Services to understand the full scope of these services and associated risks. • Both Advisory Solutions Unified Managed Account Models accounts and Advisory Solutions Fund Models accounts utilizing Custom Models in these programs will become Custom Managed Solutions Accounts consistent with your prior non-IAP advisory account model configuration. Edward Jones and the Executing SMA Manager (as applicable) will maintain discretion. • Financial Advisor Managed Solutions accounts (referring in this instance to the non-IAP program with the same name) will become FA Managed Accounts. Your financial advisor will maintain discretion. • Guided Solutions Flex accounts will become Client Directed Accounts. You, as the client, will maintain discretion. • Guided Solutions Fund accounts will become Custom Managed Solutions Accounts. The Guided Solutions Fund program is a non-discretionary program where the client maintains discretion over the account. In IAP, all Guided Solutions Fund Accounts that migrate to IAP will become Custom Managed Solutions Accounts, which is a firm discretionary Strategy. Accordingly, discretion will change on Guided Solutions Fund accounts migrating to IAP. Edward Jones is authorized to buy, sell, or trade securities in your Account. SMA Managers can provide (a) a non-discretionary model portfolio to Edward Jones and Edward Jones will, acting as overlay manager, implement such model portfolio in your Account in its discretion, or (b) a discretionary model portfolio and then facilitate the trading in your Account to align with such investment recommendations (SMA Managers acting in this capacity are referred to hereinafter as an “Executing SMA Manager”). SMA Managers (that are not Executing SMA Managers) only provide a model portfolio consistent with a general investment objective and these model portfolios are not tailored to any individual client. Edward Jones, in its role as sponsor of IAP, may restrict, in its sole discretion, Executing SMA Managers from purchasing certain securities. Conversely, the acting investment advisers in IAP in the roles of Overlay Manager or Executing SMA Manager may seek to invest in investments that are not available at Edward Jones. Additionally, the investment advisers in IAP acting in the roles of Overlay Manager or Executing SMA Manager may, in their sole discretion, reject an Account for any reason. You can request a copy of the appointed Overlay Manager’s and any Executing SMA Manager’s Form ADV brochure from your financial advisor at any time or review the latest brochure by visiting www.edwardjones.com/advisory- prospectus/brochures.html or www.adviserinfo.sec.gov. As provided, relative to your non-IAP advisory account that migrates to IAP, Edward Jones will retain the same discretionary authority as held in your previous non-IAP advisory account except in the case of Guided Solutions Fund accounts migrating to IAP as described above. You should review this Brochure and each Strategy carefully before migrating your non-IAP advisory accounts to IAP. Additionally, once your non-IAP advisory accounts migrate to IAP, you may then inform your financial advisor of any Strategy changes you wish to make. Certain features and elections associated with your non-IAP advisory account will carry through to IAP as further described in this Brochure. Alternative Investments in Custom Managed Solutions. Eligible investments also include private market investments managed by unaffiliated asset managers in the categories of private equity, private credit or real assets (collectively, the “Alternative Investments”). The ability to purchase Alternative Investments is part of a pilot Edward Jones is conducting in Custom Managed Solutions and is subject to additional client eligibility and qualification requirements. For more information on Alternative Investments, please see the “Alternative Investment Services Pilot in Custom Managed Solutions” section further below. FA Managed and Client Directed. Eligible investments primarily include stocks, affiliated mutual funds, unaffiliated mutual funds, and ETFs across a variety of asset classes as well as bonds, CDs and cash equivalents. Migrating non-IAP Advisory Accounts to IAP. Pursuant to the Services Agreement, any existing Edward Jones non-IAP advisory accounts that you choose to migrate to IAP will Performance of Eligible Investments. There is no guarantee that an eligible investment will perform in any particular manner. Past performance is not a guarantee of future results. Details about the mutual funds and/or ETFs in your Account can be found in the prospectus, statement of additional information (“SAI”) and shareholder reports for each mutual fund and ETF, and details about the Alternative Investments in your account can be found in the prospectus, offering document, and/or subscription agreement (collectively, “fund prospectus and other PAGE 5 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com fund documents”). It is important that you read these documents before investing. Information Sources for Eligible Investments. When analyzing investments and developing recommendations that may be appropriate for your Account, we rely on a variety of different sources of information. Such sources may include research conducted by Edward Jones that covers a wide range of eligible investments and investment research reports issued by firms that are not affiliated with us. In addition, we may use certain Edward Jones investment tools to assist with recommendations that align with your Account Portfolio Objective. The use of such investment tools does not guarantee the performance of your Account or any investments therein or protect against potential investment losses. Portfolio Objective”) and you will also select an appropriate portfolio objective for each Account (“Account Portfolio Objective”). If your Account is assigned to a goal established at Edward Jones, then we will recommend that you select an Account Portfolio Objective that is appropriate for the Goal Portfolio Objective. If your Account is not assigned to a goal established at Edward Jones, then we will recommend an Account Portfolio Objective for your Account based upon the level of investment risk you are willing to take (your risk tolerance or comfort with risk) and the expected time horizon for your investments. You may choose an alternative Account Portfolio Objective if you are willing to take more or less risk than the recommended Account Portfolio Objective. You ultimately decide whether you want to select the recommended Account Portfolio Objective or an alternative Account Portfolio Objective, if available. Edward Jones may add or remove portfolio objectives over time without prior notice to you. However, Edward Jones will have no authority to change your Goal Portfolio Objective or Account Portfolio Objective without your instruction. To change either, you must discuss with your financial advisor to make any changes. Values-Based and Sustainable Investing. Certain available investments may incorporate values-based or sustainable investment strategies. Values-based investing considers a client’s personal beliefs and values, while sustainable investing incorporates environmental, social and governance (“ESG”) considerations. Such investments have subjective qualities and characteristics and may or may not align with your beliefs, values, or desired investment performance. Please contact your financial advisor if you are interested in learning more about such investments available in IAP and the associated risk. Cash Sweep. Cash balances awaiting investment or reinvestment in your Account will be automatically swept into the Money Market Fund, where they will be held until invested in an eligible investment. The portion of your Account that is invested in the Money Market Fund will be included in the calculation of your IAP Fee (defined below). Please refer to Appendix A for more information about the Money Market Fund. Your Account Portfolio Objective determines the recommended and allowable asset allocation ranges (“Target Ranges”). In addition, Edward Jones’ applies certain guidelines designed to monitor your Account for alignment with your Goal Portfolio Objective and Account Portfolio Objective (“Investment Diagnostics”). One or more Investment Diagnostics may assess holdings in your other Edward Jones accounts, if any, assigned to the same goal; your financial advisor may recommend that you consider placing a trade in one or more of your other Edward Jones accounts in order to address certain Investment Diagnostics. Your account’s asset allocation may also include a cash allocation held in the Money Market Fund through the automatic sweep feature described above and/or invested in a third-party money market fund. In certain instances, such as instances of market volatility or uncertainty, it may be determined to increase the amount of cash you hold in your portfolio. The portion of your Account that is held in the Money Market Fund or other cash vehicles will be included in the calculation of your IAP Fee (defined below). CDs are treated as fixed-income investments for purposes of your asset allocation and not cash. When you place trades in a brokerage account that could be placed in your Account or another fee-based investment advisory account at Edward Jones, a conflict of interest exists as Edward Jones and your financial advisor will earn compensation on the transactions, such as commissions and/or mark-ups or mark- downs, that you would not bear if such transactions were placed in your fee-based advisory account at Edward Jones. Such transaction fees would be in addition to the asset-based advisory fee that you pay for assets held within your Account(s) (fee-based accounts) at Edward Jones. Client Profile and Portfolio Objectives. In order to invest in a Strategy, Edward Jones will establish a client profile for you that contains important information about you and your Account, which generally includes either your goal or purpose for investing and your investment time horizon, risk tolerance, and other financial information. Your time horizon will reflect the expected time frame over which you plan to invest (and potentially withdraw) your assets to achieve your investment goal or purpose. Time horizon is expressed as either your life stage or the number of years you plan on accumulating and/or distributing your assets. In consultation with your Edward Jones financial advisor, you may select a portfolio objective for each of your goals (“Goal Please contact your financial advisor to learn more about how Investment Diagnostics help you achieve your financial goals. The recommended and allowable Target Ranges, as well as Investment Diagnostics, are determined solely by Edward Jones and can be modified by Edward Jones without prior notice. If you and your financial advisor determine extra flexibility is needed for a period of time, Edward Jones may provide such flexibility without requiring alignment adjustments under certain circumstances such as permitting additional time for portfolio implementation, or for tax or personal reasons. Until alignment occurs, your Account may be exposed to greater risk than your Account Portfolio Objective and/or Goal Portfolio Objective given the deviation from your Target Ranges. PAGE 6 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Strategy selected, as follows: Account Portfolio Objectives and Goal Portfolio Objectives currently include: All-Equity Focus: This portfolio objective offers the highest long-term growth and rising dividend potential. It focuses on long-term capital appreciation and provides very little to no current interest income. It also has the highest level of risk, as it contains only equity investments. Growth Focus: This portfolio objective emphasizes higher long-term growth and rising dividend potential, while providing modest current interest income. Over the long term, it should have higher risk than portfolios with a more income-oriented objective. Balanced toward Growth: This portfolio objective emphasizes higher long-term growth and rising dividend potential, with a secondary goal of current interest income. Over the long term, it should have moderate to higher risk. Managed Solutions and Custom Managed Solutions. When you invest in Managed Solutions or Custom Managed Solutions, you give Edward Jones (and the Executing SMA Manager, as applicable) discretionary investment and trading authority over your Account as described below by Strategy. Examples may include selecting, removing, and replacing eligible investments, determining and changing the asset allocations and categories, using discretion as to the time a trade will be made and the price paid, aggregating trades, reinvesting dividends, automatically buying and selling eligible investments to rebalance your Account to the target asset allocation when determined necessary by Edward Jones (or with respect to clients participating in the Multi-Year Transition Service pilot as later described, trading your Account in connection with your transition plan), using proceeds to pay for the IAP Fee, selecting or exchanging the mutual fund share class, and utilizing an affiliated transition fund in our discretion as a short-term investment vehicle to facilitate an eligible investment replacement. Balanced Growth & Income: This portfolio objective has a balanced emphasis between current interest income and long-term growth with rising dividend potential. Over the long term, it should have moderate risk. Balanced toward Income: This portfolio objective emphasizes current interest income while providing modest long-term growth and rising dividend potential. Over the long term, it should have lower to moderate risk. Managed Solutions. When selecting Managed Solutions, the discretionary investment and trading authority you give to Edward Jones and the Executing SMA Manager(s), as applicable, includes managing your assets on a discretionary basis by buying and selling investments for your Account whenever deemed appropriate and without your approval of each transaction. This means that you give Edward Jones complete control over the management of your Account and your portfolio will align with the Account Portfolio Objective you select. Income Focus: This portfolio objective emphasizes current interest income with little long-term growth and rising dividend potential. Over the long term, it should have lower risk than portfolios with a more growth-oriented objective. You may choose a portfolio model that is pre-constructed by Edward Jones using a select list of eligible investments that invests your money into pre-determined percentages (target weightings) across different Asset Allocation Categories. We can also make changes to the eligible investments and the amount of your money that is invested in the different Asset Allocation Categories at any time without first giving you notice. Edward Jones has ongoing discretion regarding the eligible investments, asset allocation and rebalancing of your Account pursuant to your chosen Account Portfolio Objective. We can remove and/or add an eligible investment at any time without prior notice. Edward Jones constructs and reviews the recommended and allowable ranges for each Account Portfolio Objective. Due to various influences such as changing market conditions or a reclassification of an eligible investment to a different asset class, we may change the recommended and allowable ranges of an Account Portfolio Objective. Edward Jones categorizes these eligible investments by investment style, which we refer to as “Asset Allocation Categories.” Your investments will be allocated to these Asset Allocation Categories. Asset allocation cannot eliminate risk associated with investing, but it can help to keep your Account within your stated risk tolerance range. Edward Jones can make changes to the list of eligible investments and add or remove Asset Allocation Categories at any time without prior notice. These additions or removals could result in the purchase or sale of an eligible investment in your Account. Liquidations may cause a taxable event as well as redemption fees, if applicable. You may also create a more personalized recommended portfolio from a broader list of eligible investments than is used in the pre-constructed portfolio. This type of portfolio invests your money across different Asset Allocation Categories after considering factors unique to your situation such as your preferences, existing assets and their respective characteristics, potential capital gains and losses, and the characteristics of the overall portfolio. A broader list of eligible investments is used to maximize incorporation of these factors while also balancing performance expectations in creating your recommended portfolio. As a result, the performance of your portfolio could be better or worse with increased personalization. Investment restrictions may prevent or limit the purchase or continued purchase of certain eligible investments. Situations include but are not limited to restrictions that prevent purchases of an eligible investment and restrictions that only permit current holders of the eligible investment to continue making purchases, subject to parameters set forth by Edward Jones. If Edward Jones retires the pre-constructed portfolio model you selected, then Edward Jones will, without prior notice to you, select and implement a replacement pre-constructed portfolio Investment and Trading Discretion. The initial and ongoing investments and trading discretion differ depending on the PAGE 7 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com model for your Account. You cannot restrict individual securities in your Account when you have selected Managed Solutions except within SMAs. You can choose not to invest in specific eligible investments by selecting the Custom Managed Solutions Strategy. Notwithstanding the above, Edward Jones will select your investments on an initial and ongoing basis when you have indicated such portfolio preference. In such an event, if we remove an eligible investment from the list of eligible investments for any reason, Edward Jones will purchase and sell securities in its sole discretion to realign your Account Portfolio Objective without providing any notice of such change (which may include the purchase or sale of affiliated mutual funds). Liquidations may cause a taxable event as well as redemption fees, if applicable. In scenarios where an eligible investment changes due to fund restructuring, a spinoff, a merger, or something similar, including where such activity involves in-kind purchases or redemptions of eligible investments, Edward Jones has the authority to buy, sell, add or remove one or more eligible investments in its discretion to appropriately align your Account with your selected Account Portfolio Objective and Asset Allocation Categories. This may require liquidating shares of the eligible investment(s) experiencing changes and/or purchasing shares of a different eligible investment(s). Liquidations may cause a taxable event as well as redemption fees, if applicable. Custom Managed Solutions. When selecting Custom Managed Solutions, the discretionary investment and trading authority you give to Edward Jones and the Executing SMA Manager(s), as applicable, includes managing your assets on a discretionary basis by buying and selling investments for your Account whenever deemed appropriate in order to help maintain alignment within your Account. You can choose your portfolio preferences and/or the initial investments in your portfolio from our list of eligible investments. Your Asset Allocation Category and investment target percentages will be based on the ranges that Edward Jones has deemed acceptable for your Account Portfolio Objective. In addition, Edward Jones may, in our sole discretion, implement guidelines and/or restrictions as to the minimum and maximum number of eligible investments that can be held in an Account with this Strategy type at any one time, and the minimum and maximum percentage allocations to those investments held in these Accounts. Until such eligible investment designated for removal is removed from your Account, there is a possibility that additional shares of that eligible investment may be purchased. Such purchase(s) may occur in a number of instances including, but not limited to, when assets are added to your Account or rebalancing occurs. The purchase of additional shares of such eligible investment and the eventual mandatory removal of such shares may result in a taxable event. The replacement eligible investment may be subject to higher internal expenses than the prior investment. Where Edward Jones, in our sole discretion, deems appropriate, it may deviate from the weighting ranges within a particular Account Portfolio Objective and create a portfolio with different weighting ranges that is appropriate for a specific subset of clients within that Account Portfolio Objective. If you elect such a portfolio, you will be expected to set Asset Allocation Category and eligible investments targets within the range that Edward Jones designates for that portfolio, rather than the ranges designated under the Account Portfolio Objective. Please see the “Alternative Investments Transition” section within Item 6 for information on what will occur if an Alternative Investment is removed from IAP as an eligible investment. Due to various influences, such as changing market conditions, a reclassification of an eligible investment to a different Asset Allocation Category or a change in the securities underlying an eligible investment, we may change the Asset Allocation Category or eligible investment weighting within an Account Portfolio Objective. If such changes conflict with your current investment selections or your chosen Asset Allocation Category or eligible investment targets, we may modify your asset allocation to bring your Account back into alignment with your chosen Account Portfolio Objective. Multi-Year Transition Service Pilot for Custom Managed Solutions. Edward Jones is conducting a Multi-Year Transition Service pilot with a limited number of clients. The Multi-Year Transition Service pilot is intended for clients seeking to fund their taxable Custom Managed Solutions Account with assets from an existing Account inside or outside of Edward Jones or, alternatively, seeking to transition from one portfolio to another within their existing Account. The Multi-Year Transition Service pilot allows the client to work with their Edward Jones financial advisor to establish a timeline for transitioning the sale of eligible investments over consecutive tax years (the “Transition Period”) while moving to their target portfolio allocation over the Transition Period. The terms and conditions of the Multi-Year Transition Service are set forth in the Services Agreement. If an eligible investment is removed from the list of eligible investments for any reason, the eligible investment being removed can no longer be held in your Account. If we remove an eligible investment, we will, when possible, provide you notice and recommend another appropriate eligible investment (which may include affiliated mutual funds). You can choose our recommendation or another eligible investment from the list of eligible investments in the same Asset Allocation Category as the eligible investment being removed. If you do not select an appropriate eligible investment replacement within the established timeframe of such notice, we will liquidate the eligible investment being removed and use the recommended eligible investment as the replacement. Overlay Management (Managed Solutions and Custom Managed Solutions with SMAs). Clients selecting Managed Solutions or Custom Managed Solutions Strategies have the option of utilizing SMAs. If selecting SMAs, Edward Jones acts as an overlay manager and provides overlay management services to your Account. In the capacity of overlay manager, Edward Jones is authorized to buy, sell or trade securities in your Account in a PAGE 8 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com the desired investment allocation during the Transition Period. manner consistent with your Account Portfolio Objective and the Asset Allocation Category established by us, the model portfolio provided by the applicable SMA Manager, and any restrictions you have placed on the Account. Examples of services Edward Jones will perform for your Account if selecting SMAs includes, but is not limited to: • Implementing instructions by SMA Managers • Placing orders pursuant to the model portfolio recommendations of the SMA Managers and/or communicating orders through Edward Jones’ broker-dealer or other broker-dealers (note, a taxable Account funded with securities will result in purchase and/ or sale orders in your Account which may have tax consequences); With certain eligible investments, the Executing SMA Managers have discretion to buy, sell or trade securities directly in your Account and also retain discretion to select where transactions are executed. Executing SMA Managers for these eligible investments do not provide instructions to Edward Jones for implementation; however, Edward Jones can also exercise discretion with respect to these securities in a manner consistent with the information provided above not related to implementing instructions from Executing SMA Managers. Edward Jones retains sole responsibility for selecting the overlay manager and reserves the right, at any time and at its sole discretion, to replace the overlay manager with either an affiliated or unaffiliated investment manager. • Aggregating orders for the purchase and/or sale of securities; • Placing orders for the purchase, sale or redemption of shares of mutual funds and/or ETFs in accordance with the parameters set by your investment model or as instructed by you; • Rebalancing one or more Asset Allocation Categories or eligible investments within your Account back toward their respective targets if, pursuant to parameters determined in the sole discretion of Edward Jones, the weighting of the Asset Allocation Category or eligible investment has deviated too far from its target; • Adding and removing an Asset Allocation Category pursuant to investment guidelines set by Edward Jones, which could result in the purchase of eligible investments to fill the newly added Asset Allocation Category, or sale of an eligible investment to support the removal of an Asset Allocation Category; • Implementing any reasonable restrictions that you have placed on the purchase of certain equity securities or category of equity securities FA Managed. When you enroll in FA Managed, you grant your financial advisor and Edward Jones the authority to exercise investment and trading discretion for your enrolled Account on an ongoing basis and take other trading actions without first consulting with you. Your financial advisor will exercise this authority over your Account as an investment adviser representative of Edward Jones and is your primary point of contact. After you have selected your Account Portfolio Objective, your financial advisor will choose from the eligible investments to implement your Account Portfolio Objective. Edward Jones and your financial advisor will be responsible for monitoring your Account on an ongoing basis, including directing the buying and selling of investments in your Account and as necessary bringing your Account into alignment with the Investment Diagnostics and Target Ranges for your Account Portfolio Objective. As a result, the specific investments and asset allocation for your Account may change over time, and deviate substantially from your initial asset allocation, to reflect the realignment of your portfolio with our advice. Realignment may include buying one or more investments in your Account and/or selling one or more investments and reinvesting the proceeds in your Account. In certain instances, Edward Jones may take action in place of your financial advisor to realign your FA Managed Account in accordance with the Investment Diagnostics or Target Ranges. Account alignment transactions may result in tax consequences as well as additional fees and expenses. • Managing your taxable Account in a tax-efficient manner with the objective of minimizing your realized gains and maximizing realized losses while maintaining the desired investment allocation. Tax-efficient management of your taxable Account may conflict with model portfolio recommendations from an SMA Manager; in these instances, tax-efficient management may take precedence over the model portfolio recommendations of an SMA Manager. When you select FA Managed, you give the financial advisor and other Edward Jones personnel authority to take certain actions, which includes but is not limited to: buying, selling, or replacing eligible investments, determining and changing the asset allocations and categories, using discretion as to the time a trade will be made and the price paid, aggregating trades, reinvesting dividends, using proceeds to pay for the IAP Fee, and selecting or exchanging the mutual fund share class (the share class exchanged to may not be the lowest-priced share class available). • Monitoring and maintaining the required cash thresholds in your Account that are set by each selected SMA strategy or by your financial advisor if using a pre-constructed portfolio model developed by them. If your cash balance goes above the threshold for one of your SMA strategies or the threshold in the preconstructed portfolio model set by your financial advisor, Edward Jones will apply the excess cash into the investments held within the SMA strategy or the qualifying stock held in your financial advisor’s preconstructed portfolio model. • For clients enrolled in the Multi-Year Transition Service, adjusting target portfolio allocations over time with the goal of minimizing your realized gains while transitioning to your stated investment targets. It may not be possible to achieve or maintain If you elect to enroll in one or more systematic investing programs for your Account, Edward Jones will automatically purchase, sell or exchange certain securities as determined by your Financial Advisor on a periodic basis. The discretionary investment and trading authority you give to Edward Jones does PAGE 9 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Edward Jones brokerage account. not include the ability to withdraw, disburse, or transfer funds or securities from your Account, which will continue to require your prior authorization except with respect to the payment of the IAP Fee. You may elect to impose restrictions as applicable on the purchase of specific securities for your Account so long as the restrictions are reasonable as determined by us and your portfolio can be maintained within proper alignment when the restrictions are applied. When a security is restricted from purchase, your Account performance may be adversely impacted. You may restrict the mutual funds or ETFs your Account may invest in, but not the actual securities in which the underlying mutual fund or ETF invests. Rebalancing. Rebalancing options are as follows: Some financial Advisors are part of a team, and in such cases, other financial advisors and other licensed professionals that are part of your financial advisor’s team may act on your financial advisor’s behalf from time to time. Such services include but are not limited to exercising investment and trading authority for your Account as investment adviser representatives of Edward Jones. Accordingly, with respect to granting discretionary authority when selecting the FA Managed Strategy, references to your “financial advisor” include your financial advisor’s team. Additionally, there may be circumstances where Edward Jones’ home office may take action with respect to your Account, including but not limited to exercising investment and trading discretion for your Account, where required to take such action under Edward Jones’ policies and procedures. Edward Jones retains the authority to remove your financial advisor at any time from the FA Managed Strategy. In such event, we will attempt to contact you and will offer, subject to your direction and consent, to transfer your Account to another Strategy offered by Edward Jones. If we are unable to contact you or you fail to respond to our offer within a reasonable period of time, we may elect to terminate your Account. Managed Solutions and Custom Managed Solutions. In order to keep your Account in line with your target allocations, generally your Account will be automatically rebalanced if the eligible investments comprising your portfolio have deviated too far from the target asset allocations (“Threshold Rebalancing”). Rebalancing will occur if either eligible investments or Asset Allocation Categories are out of balance by an amount and for a time period determined by Edward Jones. Rebalancing is achieved by buying, redeeming or selling shares of eligible investments, which may include affiliated mutual funds, until the asset allocation in your Account is in alignment with the target asset allocation. We may also rebalance your Account if an eligible investment is removed from the list of eligible investments or an eligible investment is added to your portfolio. Your Account may also be reallocated, in whole or in part, from unaffiliated mutual funds and/or ETFs into affiliated mutual funds. Rebalancing trades are subject to certain dollar minimums as determined by Edward Jones, in our sole discretion. You will not be notified before a rebalance occurs. Neither asset allocation nor rebalancing is guaranteed to produce a profit or protect against loss. Rebalancing trades in a taxable Account may result in taxable events as well as additional fees and expenses. Client Directed. When selecting the Client Directed Strategy, you maintain discretion over the Account. This means that after you have selected your Account Portfolio Objective, you may choose from among the investment options available to implement your Account Portfolio Objective and you decide how much to invest in each eligible investment within the Target Ranges. You are also responsible for directing the buying and selling of eligible investments in your Account as necessary to bring your Account into alignment with the target ranges for your Account Portfolio Objective. Edward Jones will review your Account and periodically notify you when your Account is out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective, and you will be responsible for realigning your Account within the time frame established by Edward Jones. To realign your Account, you must provide instructions to Edward Jones to buy one or more investments in your Account, to sell one or more investments and reinvest the proceeds in your Account, to sell an investment and transfer the proceeds to another Account, to transfer an investment to another Account, or to deposit additional assets in your Account. Such transactions may result in tax consequences as well as additional fees and expenses. Managed Solutions. Pre-constructed portfolios will be automatically rebalanced using Threshold Rebalancing if the Eligible investments comprising your portfolio have deviated too far from the target asset allocations. Threshold rebalancing for pre-constructed portfolios generally includes rebalancing the weightings of your existing investments in your portfolio as needed and without your authorization. Since portfolios that include greater personalization consider factors unique to your situation, Accounts using greater personalization will be automatically rebalanced as needed using Threshold Rebalancing while also taking into account such preferences and tax impact. Threshold rebalancing for personalized portfolios generally includes rebalancing the weightings of your investments in your portfolio and/or changing the investments in your portfolio without your authorization. You are responsible for all trading and investment decisions in your Account and should not rely solely on the recommendations of Edward Jones or your financial advisor in choosing among eligible investments. For all Strategies, if you are otherwise limited or restricted from purchasing a security in your Account, you may elect to purchase, or based on your specific situation, your financial advisor may recommend you purchase the same security in an Custom Managed Solutions. If your Account contains at least $25,000 in assets, you may choose between receiving Threshold Rebalancing, or having your Account automatically rebalanced on an annual basis (“Annual Rebalancing”) to restore your Account to its target allocations, and for certain portfolio preferences rebalanced to include new investments and/or PAGE 10 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com without providing any notice of such change (which may include the purchase or sale of affiliated mutual funds). Client Directed. Edward Jones will notify you and you must provide your financial advisor with instruction to replace the investment within the time frame established by Edward Jones. If you do not provide instructions to remove an ineligible investment within the time frame established by Edward Jones, your Account will be removed from IAP. targets. You will not be notified before receiving Annual Rebalancing or Threshold Rebalancing. Only Annual Rebalancing is available for Accounts with less than $25,000 in assets. In addition to these rebalancing options, you may be eligible for on-demand rebalancing. Upon receipt of your on- demand rebalancing request, your Account will be rebalanced by Edward Jones to restore your Account to its target allocations. In periods of high demand, we will rebalance your account at the earliest opportunity. On-demand rebalancing will not be available if your Account has been rebalanced within thirty-one (31) days prior to your request, if your Account is being automatically rebalanced at the time of your request, or if your Account is otherwise restricted by Edward Jones. On-demand rebalancing also may not be available while your Account’s target allocations are out of alignment with your Account Portfolio Objective’s Target Ranges or Investment Diagnostics. If your on-demand rebalancing request is received within 31 days prior to an annual rebalancing date, the on-demand rebalancing will serve as the annual rebalancing. Until the ineligible investment is replaced, there is a possibility that additional shares of the ineligible investment may be purchased. Such purchase(s) may occur in certain instances including, but not limited to, when dividend reinvestments occur. The purchase of additional shares of an ineligible investment and the eventual removal of such shares may result in a taxable event. Additionally, the replacement eligible investment may be subject to higher internal expenses than the prior investment and may result in your target allocations being out of alignment with the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. If utilizing SMAs in Custom Managed Solutions, only Threshold Rebalancing will be available. FA Managed. Your financial advisor will be responsible for monitoring and realigning your Account in his or her sole discretion. Brokerage Services. IAP trades are typically executed through Edward Jones. When Edward Jones executes trades for your Account, we are not acting as an investment adviser, but solely as a broker-dealer. You cannot request that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. Trading in your Account will be subject to our trading policies and practices. You will not be charged trade commissions or mark- ups on trades. However, IAP may cost you more or less than purchasing advisory services and brokerage services separately, depending on certain factors such as the frequency of your trading. Client Directed. The Client Directed Strategy does not offer an automatic rebalancing feature. If your account becomes misaligned with your Account Portfolio Objective, you will need to work with your financial advisor to make any adjustments to your Account. In the event your Account moves out of alignment, you will be notified in accordance with Edward Jones’s time frames for notification. If you do not provide instructions to Edward Jones to realign your Account within the required time frame, your Account will be removed from IAP. Ineligible Investments. You will not be able to hold any investment in your Account that Edward Jones has deemed ineligible or that is unavailable for your Account. In the event that Edward Jones re-categorizes an investment from an eligible investment to an ineligible investment, the following action will occur: IAP trades are often aggregated. This means that trades for your Account are combined with other client accounts, including accounts for Edward Jones associates, and executed in a single trade or series of trades. Once the trade is executed, it is then allocated to your Account in the proper amount. Trade aggregation is done to increase operational efficiencies and allows us to keep trading costs down. Managed Solutions and FA Managed. Edward Jones or your financial advisor will take action to liquidate and replace the investment on your behalf without notice to you. Eligible investment trades that are aggregated are executed each trading day at times determined by Edward Jones. If an eligible investment trade is made after the last designated trade aggregation cutoff time, it will be executed on the next business day. You may not receive the same price as trades executed the prior trading day. As a result, trade aggregation may affect the price you receive for an eligible investment in your Account. Custom Managed Solutions. Edward Jones will notify you and you must provide your financial advisor with instruction to replace the investment within the time frame established by Edward Jones. If no instructions are received within the established timeframe or such shorter time, as may be determined by Edward Jones, Edward Jones will effectuate the replacement trade in its sole discretion. Notwithstanding the above, Edward Jones will select your investments on an initial and ongoing basis when you have indicated such portfolio preference. In such an event, if we remove an eligible investment from the list of eligible investments for any reason, Edward Jones will purchase and sell securities in its sole discretion to realign your Account Portfolio Objective ETF trades may be rounded to the nearest whole share. If there is not sufficient cash or assets invested in a money market fund to cover rounding, Edward Jones is authorized to sell a sufficient amount of assets held in your Account to purchase a whole ETF share which may cause your Account to be out of alignment. Such transactions would be effected without regard to tax consequences. Additionally, you may have to pay redemption fees to a fund company if those ETF shares were held for only a PAGE 11 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com short time. in your Account, you will not be charged or pay additional costs for the execution of such trade. For this reason, Edward Jones, acting as overlay manager, and an Executing SMA Manager may determine that Edward Jones’ execution capabilities as broker- dealer provide the most favorable option for routing and executing trade orders in your account. Alternatively, Edward Jones, acting as overlay manager, or an Executing SMA Manager may determine to execute trades with another broker-dealer if either reasonably believes that a different broker-dealer can obtain a more favorable execution than Edward Jones under the circumstances. This practice is frequently referred to as “trading away,” and these types of trades are frequently called “step-out” trades. Step-out trades are executed at another broker-dealer and cleared and settled at Edward Jones. Managed Solutions and Custom Managed Solutions. Custom Managed Solutions trades are not aggregated with Managed Solutions trades when we remove an eligible investment from the list of eligible investments (except where the portfolio setting described below is applied). Because Custom Managed Solutions Accounts are typically given notice and time to select an eligible investment replacement other than the recommended eligible investment replacement, such trades will normally trade after Managed Solutions Accounts and may trade after Custom Managed Solutions accounts with portfolio preferences set for Edward Jones to select the investments on an initial and ongoing basis. As a result, trades placed in the same eligible investment may execute at different prices depending on the Strategy and portfolio preference selected. Managed Solutions and Custom Managed Solutions with SMAs. When utilizing SMAs, Edward Jones and the Executing SMA Managers, as applicable, have discretion over your Account to determine when and what eligible investments to buy or sell in accordance to the portfolio model you have selected or, in the case of an Executing SMA Manager, their model portfolio recommendations. Additionally, Edward Jones and, as applicable, an Executing SMA Manager will determine what broker-dealer will fulfill or execute the buy or sell orders generated for your Account. When Edward Jones is acting as executing broker, there may be times when we engage in “principal transactions.” This means that we will fill your buy or sell orders from our own inventory of securities. We will not charge you a markup or markdown on these principal transactions. However, if an Executing SMA Manager buys from or sells to our inventory, we may earn revenue or incur losses depending on market or price fluctuations in the security. Edward Jones will engage in principal transactions only where we are permitted to do so under applicable law. Edward Jones may also engage in “cross transactions”. This means that we act as a broker-dealer for advisory clients on both the sell side and the buy side of the same transaction. If this occurs with an Executing SMA Manager, they will direct all trades and will instruct either Edward Jones or another broker-dealer to execute those trades. Edward Jones will engage in cross transactions only where permitted to do so under applicable law. For the buy and sell orders generated by Edward Jones, as overlay manager, or an Executing SMA Manager for your Account, it is generally anticipated that these transactions will be routed to and executed through Edward Jones’ broker-dealer. Notwithstanding the foregoing, Edward Jones and an Executing SMA Manager have an obligation to seek best execution for all trades they create in your Account, which means Edward Jones, as overlay manager, and an Executing SMA Manager have full authority to route and execute trades with those broker-dealers that they believe are capable of providing the best qualitative execution under the circumstances, even if such broker-dealers are not Edward Jones. If Edward Jones, acting as overlay manager, or Executing SMA Manager executes trade orders with another broker-dealer, you will incur trading costs in addition to the IAP Fee. The trading costs for step-out trades to another broker-dealer may include commissions, markups, mark-downs or “spreads” paid to market makers in addition to the IAP Fee. Additionally, if a foreign currency transaction is required, a foreign broker-dealer may receive compensation in the form of a dealer spread, markup or mark-down. There may be other exchange or similar fees, including, but not limited to, foreign ordinary conversion and creation of American Depositary Receipts, charged by third parties as well as foreign tax charges. All of these charges are in addition to the IAP Fee. Factors that Edward Jones or an Executing SMA Manager may consider when determining what broker-dealer to route buy and sell orders for execution in your Account include: what, if any, additional trading costs will be applied; the nature of the security; the size and type of transaction; the nature and character of the markets involved; the executing broker’s execution, clearance and settlement capabilities as well as its reputation; soft-dollar arrangements, as described below; the importance of speed, knowledge, efficiency, consistency and anonymity provided by the executing broker; and additional investment opportunities. Edward Jones, as overlay manager, and an Executing SMA Manager may consider different factors or may place different weight on the factors it uses to meet its best execution obligation. Edward Jones, as overlay manager, and the Executing SMA Manager’s best execution obligations do not require either to obtain the best price or the lowest available cost of trade orders. When Edward Jones, as a broker-dealer, executes a trade order Clients should be aware that some Executing SMA Managers have historically placed all or substantially all of their client trades as step-out trades with another broker-dealer for execution. As a result, these types of Executing SMA Managers and their strategies could be more costly to a client than Executing SMA Managers that primarily place trades with Edward Jones for execution. Additionally, Edward Jones may, and has at times, engaged in trading away. Please see Edward Jones’ website at www.edwardjones.com/advisorybrochures for more information and a list of Executing SMA Managers who informed Edward Jones that they traded away from Edward Jones during the most recent year and general information about the additional cost (if PAGE 12 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com any) of those trades. Managed Solutions accounts. Because Custom Managed Solutions accounts are typically given notice and time to select an eligible investment replacement other than the recommended eligible investment, Custom Managed Solutions accounts will normally trade after Managed Solutions accounts. As a result, Managed Solutions accounts may receive different prices than Custom Managed Solutions accounts. Edward Jones does not engage in soft-dollar arrangements; however, the Executing SMA Managers may direct transactions to brokers in return for brokerage or research services. In certain instances, an Executing SMA Manager engaged in soft-dollar arrangements may pay a broker-dealer (other than Edward Jones) higher commissions than what another broker-dealer adequately qualified to effect such transactions would have charged, where an Executing SMA Manager determines in good faith that the commission is reasonable in relation to the value of the soft-dollar benefits received. Soft-dollar arrangements may be considered as a factor in best execution determinations but will not replace the duty of the Executing SMA Managers to seek best execution for trades in your Account(s). Executing SMA Managers are responsible for ensuring they comply with their best execution obligations to you. You should also review the relevant Executing SMA Managers’ Form ADV Part 2A Brochure to learn about their respective trading practices and consider that information carefully before choosing to invest in SMAs. In particular, you should carefully consider any additional trading costs you may incur. Additionally, you should review the Edward Jones Overlay Management Services Form ADV Part 2A Brochure and each discretionary Executing SMA Manager’s and non-discretionary SMA Manager’s Form ADV Part 2A Brochure and Part 3 Client Relationship Summary for more information about their associated services, soft-dollar, trade aggregation and trade rotation practices, and any related conflicts of interest. Brochures for all SMA Managers, discretionary or non-discretionary, can be found at www.adviserinfo.sec.gov. An Executing SMA Manager may participate in other wrap fee programs sponsored by firms other than Edward Jones. In addition,an Executing SMA Manager may manage institutional and other accounts that are not part of a wrap fee program. In order to avoid buying or selling the same security for all Executing SMA Managers’ client accounts through multiple broker-dealers, an Executing SMA Manager may decide to aggregate all such client transactions into a block trade that is executed through one broker-dealer. This practice may enable the Executing SMA Manager to obtain more favorable execution, including more favorable pricing, than would otherwise be available if orders were not aggregated. Using block transactions may also assist the Executing SMA Manager in potentially avoiding an adverse effect on the price of a security that could result from simultaneously placing multiple separate successive or competing client orders. This practice generally results in “trading away” from Edward Jones. See the section titled “Overlay Management (Managed Solutions and Custom Managed Solutions with SMAs)” for information on how Edward Jones handles trade allocations when they are acting as overlay manager and broker-dealer. Trade Allocation. From time to time, the volume and/or number of trades that must be executed for Accounts may exceed Edward Jones’ operational and technological capacities if these trades are made on a single day. For example, this may occur if Edward Jones is removing or re-categorizing an eligible investment from the list of eligible investments, if a large number of Accounts need to be rebalanced, or by request of the manager or sponsor of an eligible investment. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may decide to allocate trades based on the time of order entry or over an extended period of time. This may result in clients receiving different prices during such events. Alternatively, an Executing SMA Manager may use a trade rotation process where one group of clients may have a transaction effected before or after another group of the Executing SMA Managers’ clients. The Executing SMA Manager implements their trades with certain clients, custodians or sponsors using a trade rotation process in order to minimize the impact of their trading on the securities or markets in which they trade. These trade rotation practices may result in a transaction being completed for your Account near or at the end of the Executing SMA Manager’s trade rotation, resulting in your Account bearing the market price impact, if any, of those trades executed earlier in the rotation. This may result in your receiving a less favorable net price for the trade. In addition, if the volume or size of redemptions required to be effected as a result of the removal or re-categorizing of an eligible investment from the list of eligible investments or the rebalancing of a large number of accounts exceeds the limits set forth in the eligible investment’s trading policies and procedures, the eligible investment may exceed the standard settlement period to process redemptions or may redeem positions in-kind. In such circumstances, client assets may not be fully invested and may be subject to market risk between the redemption date and the reinvestment of the assets. Alternatively, Edward Jones may rely on the allocation process described above to affect the redemptions over time in a manner consistent with the limits set forth in the eligible investment’s trading policies and procedures. Principal Trading. Principal trading occurs in the following scenarios: Trade Errors. In certain circumstances, trade errors may occur in your Account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. It is Edward Jones and, as applicable, an Executing SMA Manager will not aggregate or rotate trades for Custom Managed Solutions accounts with trades for Managed Solutions accounts. Similarly, trades resulting in the removal and replacement of an eligible investment in the Program, will not result in Edward Jones or, as applicable, the Executing SMA Manager, aggregating or rotating trades for Custom Managed Solutions accounts with trades for PAGE 13 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com 61-day period). Once the 61-day wash sale period has expired, Edward Jones will typically sell the Replacement Security, and then reinvest the proceeds back into the eligible investments in your Account in accordance with your selected Account Portfolio Objective. Please contact your financial advisor to learn more about the TLH service, including its availability. Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in there being trades placed between your Account and an Edward Jones error account. When using an error account, we engage in “principal transactions.” This means that we will transact with you from our own inventory of securities. If the process of resolving trade errors results in a net gain in the error account, as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. Fractional Shares. Edward Jones may execute trades for Accounts as principal to purchase a security from you for our inventory in connection with fractional share liquidations. Principal transactions cause a conflict between Edward Jones’ and your interests, including when Edward Jones generates additional revenue due to market movement, resulting in gains on our inventory positions. TLH Eligibility for Managed Solutions and Custom Managed Solutions. The TLH service applies to eligible investments in an eligible taxable Account (“Eligible TLH Account”). Eligible TLH Accounts include Managed Solutions or Custom Managed Solutions Strategies which generally contain at least $25,000 in assets in the Eligible TLH Account. The TLH service will exclude eligible investments with missing cost basis information or those eligible investments that do not, based on the sole determination of Edward Jones, have an alternative Replacement Security to tax-loss harvest. Similarly, the TLH service will not be available to accounts that are not active or have certain account-level restrictions in place. Any purchase or sale of eligible investments to rebalance your account to the target asset allocation by Edward Jones as part of a model trade will take precedence over the TLH service. TLH Enrollment for Managed Solutions and Custom Managed Solutions. Before enrolling in Managed Solutions or Custom Managed Solutions, discuss with your financial advisor whether you are electing the TLH service for your Account. Principal Trading in Client Directed with Planning Group Consent. Edward Jones may execute trades for Client Directed Accounts as principal by selling a security from our inventory to you or purchasing a security from you for our inventory. Principal transactions cause a conflict between Edward Jones’ and your interests, including when Edward Jones generates additional revenue due to market movement, resulting in gains on our inventory positions. Edward Jones also has an incentive to recommend the purchase of a security held in our inventory that is difficult to sell, a conflict addressed by Edward Jones’ policies and procedures. For principal transactions in Client Directed, Edward Jones will provide required disclosures and obtain your verbal consent prior to the trade, where permitted by law and regulation, and contingent upon receipt of consent by the Planning Group to conduct such principal trading in the IAP Authorization and Agreement Form. You may elect the TLH service whether in Managed Solutions or Custom Managed Solutions or unenroll at any time by informing your financial advisor. If you are transitioning any account to an Eligible TLH Account or switching your Strategy within Eligible TLH Account(s), you must inform your financial advisor if you wish to keep, add, or remove your previous TLH election. Any TLH service elections or unenrollment instructions for an Account can be provided by any Account holder for that Account without the authorization of the other joint Account holder(s). The timing of your enrollment in the TLH service will determine when your Eligible TLH Account will be initially reviewed for tax-loss harvesting opportunities; however, Edward Jones does not offer guarantees that your Eligible TLH Account will be initially reviewed for tax-loss harvesting opportunities within the same calendar quarter that you enroll in the TLH service. Tax-Loss Harvesting. Edward Jones offers the Tax-Loss Harvesting (“TLH”) service that is in addition to and separate from the core management of your Account. The TLH service reviews eligible investments in certain eligible taxable Accounts, on a quarterly basis, for opportunities to realize capital losses. Using trading thresholds, Edward Jones will sell a security to realize a taxable loss (“Harvestable Security”) and use the proceeds to, in its sole discretion, select and purchase a different security (“Replacement Security”) that will maintain the asset allocation pursuant to your chosen Account Portfolio Objective. TLH Limitations. The TLH service does not consider certain characteristics unique to an investment that may result in changes to an investment’s final cost basis, such as eligible investments that have been gifted to you. When providing the TLH service in an Account, Edward Jones will not take into consideration securities held in other investment advisory or brokerage accounts at Edward Jones, including other Account(s) enrolled in the TLH service or accounts in other financial institutions (if applicable). Therefore, transactions in other investment advisory or brokerage accounts, including other Accounts enrolled in the TLH service at Edward Jones or accounts at other financial institutions, can adversely affect whether a capital loss that is harvested in the Eligible TLH Account will benefit the client. Accordingly, it is the client’s The Replacement Security may be any investment that qualifies as an eligible investment, even if not currently held in your Account, and will have a similar risk profile as the Harvestable Security, as determined in Edward Jones’ sole discretion. Edward Jones’ use of Replacement Securities seeks to avoid triggering a wash sale within the meaning of the Internal Revenue Code of 1986, as amended, and accompanying regulations (“Tax Law”); however, there is no assurance regarding how the Internal Revenue Service (“IRS”) would view these transactions. The wash sale rule provides that a tax loss will be disallowed if a person buys the same security, a contract or option to buy the security, or a “substantially identical” security, within 30 days before or after the date they sold the loss-generating security (a PAGE 14 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Program”); (ii) automatic distribution Cross-Reinvestments (“Cross-Reinvestment Program”); (iii) periodic transactions of certain mutual funds (“Systematic Mutual Fund Program”); and (iv) periodic transactions of certain equity securities (“Dollar Cost Averaging Program”). In order to participate in the systematic investing program(s), the client will need to enroll by providing oral or written instruction to their financial advisor. responsibility to monitor any other accounts at Edward Jones or other financial institutions to avoid any Wash Sales. You should consult your tax and/or legal advisor prior to selecting the TLH service, as well as on an ongoing basis, to determine whether the Wash Sales rule or other tax rules apply to the trading activity in your Eligible TLH Account or in other investment advisory or brokerage accounts at Edward Jones or other financial institutions, if applicable. For Client Directed, the client will determine the securities subject to the systematic investing program(s). For FA Managed, the financial advisor will determine the securities subject to the systematic investing program(s). Edward Jones will act as agent with respect to such securities. Participation in a systematic investing program is voluntary, and the client can modify or discontinue participation at any time. Only certain securities, as determined by Edward Jones, are eligible for participation. Participation in a systematic investing program does not ensure profits on investments or protect against losses in declining markets. Edward Jones is not recommending the purchase or sale of any security by designating it as eligible for participation in a systematic investing program. Dividend Reinvestment Program. If participating in the Dividend Reinvestment Program, dividends or distributions paid on eligible non-mutual fund securities selected will automatically be reinvested into shares of the same security. The eligible securities selected may change from time to time. Edward Jones will purchase shares of the reinvestment security in the open market, and the price paid will be the weighted average price paid by Edward Jones in any such market transaction(s). Mutual fund dividends and capital gains will be reinvested by default. TLH Frequency and Implementation. For the Account(s) utilizing the TLH service, we will review eligible investments for capital losses on a quarterly basis. In certain circumstances (for example, if market conditions present an opportunity), we may, in our sole discretion, review and/or conduct harvesting more than once in a calendar quarter. Alternatively, we may, in our sole discretion, postpone or not conduct tax-loss harvesting if, for instance, market volatility is causing excessive market movement that may impact the results of harvesting or in situations where we determine harvesting is not appropriate. As a result, Edward Jones makes no guarantees regarding the frequency and/or timing of tax-loss harvesting and will not be liable for any tax consequences, losses, or missed opportunities arising from our decisions whether to review your Account(s) or conduct harvesting. Each TLH service event is pursuant to trading thresholds as established by Edward Jones through its TLH service (which include, but are not limited to minimum trade amounts, minimum loss percentages and maximum portfolio turnover percentages) and are subject to change without notice to the client. The date Edward Jones reviews your Eligible TLH Account for tax-loss harvesting opportunities may not align with, or be changed for, market events that may impact, even significantly, the value of the eligible investments in your Account. Therefore, not all losses will be realized. You will not be notified before tax-loss harvesting occurs. Tax Loss Harvesting if utilizing SMAs. If utilizing SMAs in Managed Solutions or Custom Managed Solutions, tax loss harvesting is provided, along with other tax-efficient management strategies, through its overlay management services (not the TLH service described above). Such overlay management services are further described in this Brochure and in the Edward Jones Overlay Management Services Brochure. Generally, reinvestment purchases will be made in advance of and credited to the Account on the distribution payment date. In the event the distribution payment amount on an owned security is not known in advance, the purchase and reinvestment will be made as soon thereafter as the amount of the distribution payment can be calculated with certainty, including any necessary currency conversions. If a company offers its shareholders an option to receive their dividend in company stock, known as a scrip dividend, Edward Jones will use the cash or reinvest election as the basis for allocating the dividend payments. If elected company stock is included in the Edward Jones Dividend Reinvestment Program and the company suspends or cancels its company stock option, Edward Jones will continue the accumulation of shares by reinvesting the dividends through Edward Jones’ Dividend Reinvestment Program. If the company subsequently reinstates its company stock option and the client is reinvesting, the dividends will be paid in company stock in accordance with the company’s scrip dividend program. Tax Loss Harvesting if utilizing Client Directed and FA Managed. The Client Directed and FA Managed Strategies do not provide tax efficient strategies. Your financial advisor may take into account tax considerations as one factor among others when making investment and trading decisions for your Account. However, these Strategies do not provide quantitative or programmatic tax-loss or gain harvesting services and will not monitor for tax consequences on an ongoing basis. You should consult with your tax advisor for tax advice, including advice on potential tax consequences of trading activity. Cross-Reinvestment Program. If participating in the Cross- Reinvestment Program, dividends from securities and/or distributions from eligible mutual funds may be automatically reinvested into shares of certain eligible mutual funds as selected (“Cross-Reinvestment Security”). For FA Managed, the securities, eligible mutual funds, and/or Cross-Reinvestment Securities selected by the financial advisor may change from time to time. Systematic Investing in Client Directed and FA Managed. Systematic investing programs provide for the capability to automatically purchase, sell or exchange certain securities on a periodic basis. These systematic investing programs include: (i) automatic dividend reinvestments (“Dividend Reinvestment Generally, for non-mutual fund securities, on the business day PAGE 15 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com prior to the distribution payment date, Edward Jones will invest the funds received into shares of the Cross-Reinvestment Security, which will settle on the following business day. Generally, for mutual funds, on the same business day as the distribution payment, Edward Jones will invest the funds received into shares of the Cross-Reinvestment Security, which will settle on the following business day. The price paid for such Cross- Reinvestment Security will be the public offering price of the security, as determined in its prospectus. The Cross- Reinvestment of distributions from one mutual fund to another mutual fund is generally only permitted among affiliated funds and may otherwise be limited by the terms of the funds’ prospectus and other fund documents. Systematic Mutual Fund Program. If participating in the Systematic Mutual Fund Program, Edward Jones will periodically purchase, sell or exchange shares of eligible mutual funds selected and held in the Account. As described in the applicable fund prospectus and other fund documents, purchases will be made at the public offering price and sales or exchanges executed at the net asset value. These transactions will be executed automatically on a monthly, quarterly, semiannual or annual basis, and at the dollar amount specified by the financial advisor (in FA Managed) or by the client (in Client Directed) for such transactions. The eligible mutual funds selected by my Financial Advisor (in FA Managed) may change from time to time. discussion of the risks as well as “Margin Risk” below before taking out a margin loan. The Margin Disclosure also includes a discussion of the costs of margin loans. As discussed below, you will pay interest charges on your margin loans in addition to the IAP Fee. Before taking out a margin loan in your Account, first evaluate the intended duration of the loan and your other options, including alternative loan options or liquidating securities. It is our view that margin loans are most appropriate when short in duration. To the extent that a margin call is triggered in connection with your Account and we are forced to sell any securities or other assets to satisfy the margin call, we will act solely in our capacity as a broker-dealer and lender (and not as an investment adviser). Moreover, if selling such securities in order to satisfy a margin call, we will prioritize our interest over your interests. Your financial advisor cannot obtain a margin loan for you with respect to your Account without your authorization. Additionally, it is important to note that if you would like to change the Strategy for your Account to one that cannot hold a Margin, you will be required to satisfy the entirety of the loan balance before changing Strategies. Additionally, if you terminate your Services Agreement and do not instruct us to transfer the assets in your Account to another Edward Jones account that is eligible for the margin loan: (i) the margin loan (if any) associated with your Account will be terminated by us; (ii) all outstanding obligations will immediately be due and payable; and (iii) we will liquidate securities or assets pledged as collateral (without notice to you) in an amount sufficient to satisfy outstanding obligations. Edward Jones will act solely in its capacity as a broker-dealer in connection with any such liquidation, not as an investment adviser. To learn more about the margin loan offering and its availability, please contact your financial advisor. Dollar Cost Averaging Program. If participating in the Dollar Cost Averaging Program, Edward Jones will periodically purchase or sell shares of eligible securities on a monthly basis. The price per share will be the weighted average price per share of all related trade(s). A separately signed form may be required for participation in the Dollar Cost Averaging Program. In lieu of receiving immediate confirmations for mutual fund transactions made pursuant to systematic investments or withdrawals and for dividend and/or capital gain reinvestments available, Edward Jones may report the details of such transactions on my account statement. Systematic Investing in Managed Solutions and Custom Managed Solutions. Refer to the Investment and Trading Discretion section for the systematic investing features associated with the Managed Solutions and Custom Managed Solutions Strategies. Edward Jones Reserve Line of Credit for Managed Solutions and Custom Managed Solutions. Certain IAP non-retirement Accounts utilizing a Managed Solutions or Custom Managed Solutions Strategy may be eligible to serve as collateral in support of securities-based loans offered by Edward Jones SBL, LLC (the “Lender”), a non-investment adviser, non-bank affiliate of Edward Jones. The securities-based lending offering is called the Edward Jones Reserve Line of Credit (“Reserve Line”). The terms and conditions applicable to the Reserve Line are governed by the Edward Jones Reserve Line of Credit Agreement (“Reserve Line Agreement”) and are not included in this Brochure. Client “Obligations” (as that term is defined in the Reserve Line Agreement) are collateralized by the pledged Account and the assets, including securities, within that Account. If your Account is used as collateral to take an advance under the Reserve Line (a “Reserve Line Advance”), your Account and assets within it are pledged to support your Obligations and you will not be permitted to withdraw securities or funds from your Account unless sufficient collateral remains to support your Obligations as required under the Reserve Line Agreement. The availability of the Reserve Line will depend on whether the Lender is authorized to extend credit in the state where you reside, the value of the assets, including securities held in the pledged Accounts and the eligibility guidelines set forth in the Reserve Line Agreement. The Lender at its sole discretion may Margin Loans for FA Managed and Client Directed. Eligible non-retirement Account clients utilizing a FA Managed or Client Directed Strategy may obtain margin loans collateralized by marginable securities held in their Accounts. Margin loans for these Accounts may be used for “Personal Line of Credit Loans” or “Overdraft Coverage,” but may not be used for the purpose of purchasing securities on credit. When Edward Jones extends a margin loan to you, it is not acting as an investment adviser but solely as a broker-dealer. In making the decision to take out a margin loan, it is important you understand the risks associated with using margin, the costs of margin loans, and how the performance of your Account may be negatively affected. Please see the Edward Jones Margin Disclosure Statement and the Statement of Credit Terms (the “Margin Disclosure”) for a PAGE 16 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com refuse a request for a Reserve Line Advance. Reserve Line Advances may be used for personal and business purposes but may not be used for the purpose of purchasing securities or reducing or retiring any indebtedness incurred to purchase securities. (the “Alternative Investment Services Pilot”). The Alternative Investment Services Pilot is offered and managed by Edward Jones on a non-discretionary basis. This means that if a portion of the Custom Managed Solutions Account is invested in Alternative Investments, that portion will be managed on a non-discretionary basis. However, the remainder of the Custom Managed Solutions Account that invests in securities other than Alternative Investments is managed by Edward Jones, and/or an Executing SMA Manager, as applicable, on a discretionary basis as described throughout this Brochure. High Net Worth Clients. If you are a client with $5 million or more in investable assets and also eligible to purchase Alternative Investments, your Alternative Investment Services Pilot will give you access to an Edward Jones home office team that specializes in working with the complex needs of high net worth clients (the “Portfolio Strategy team” or individually the “Portfolio Strategy representative”) and your financial advisor. Goal Portfolio Objective and Account Portfolio Objective Prerequisites. A prerequisite to qualifying for access to the Alternative Investment Services Pilot is that you must have selected and assigned your Account to an investment goal, which allows a Goal Portfolio Objective to be created. The Account Portfolio Objective is a component of the Goal Portfolio Objective and provides a specific portion or percentage of Asset Allocation Categories for a subset of assets or single Account connected to your investment goal. As such, another prerequisite to qualifying for access to the Alternative Investment Services Pilot is that you must have selected an Account Portfolio Objective that is aligned to your investment goal and associated Goal Portfolio Objective. For more information regarding how to review what investment goal, Goal Portfolio Objective, or Account Portfolio Objective you have selected for your Account, please contact your financial advisor. Before making the decision to take a Reserve Line Advance, it is important that you understand the terms and conditions of the Reserve Line Agreement; the risks and costs associated with taking a Reserve Line Advance; and how the performance of your Account may be negatively affected. Please review the Reserve Line Agreement for a discussion of the risks as well as the “Reserve Line Risk” section below before taking a Reserve Line Advance. The Reserve Line Agreement also includes a discussion of the costs of these advances. You will pay interest charges on a Reserve Line Advance to the Lender, which are separate from, and in addition to, the IAP Fee you pay us. Before taking out a Reserve Line Advance, first evaluate the intended duration of the advance and your other options, including alternative loan options or liquidating securities. It is our view that the use of securities-based lending is most appropriate when short in duration. The costs of a Reserve Line Advance, including interest charges, and IAP Fee may be greater than the income generated by your Account and, as a result, your Account’s value may decrease. To the extent that a “Maintenance Call” (as that term is defined in the Reserve Line Agreement) is triggered in connection with your Reserve Line and the Lender instructs us to liquidate any pledged collateral, we will act solely in our capacity as a broker-dealer and not as an investment adviser. Moreover, in causing the liquidation and sale of such pledged collateral to satisfy a Maintenance Call, the Lender will prioritize its interests over your interests. Edward Jones is obligated to adhere to this order of prioritization, thus Edward Jones will address the Lender’s interests before your interests, and further, we will prioritize our interests before your interests. Advisory Services Provided. Edward Jones will perform the following in the Alternative Investment Services Pilot: • Recommending a model that allows an allocation to Alternative Investments that aligns to your Goal Portfolio Objective for your consideration. You are responsible for deciding if and how you want to take action on that advice. • Initial and ongoing due diligence on the Alternative Investment and its asset manager. • Determining and advising on the unique qualification criteria and concentration limits associated with a particular Alternative Investment purchase request. • Recommending an Alternative Investment purchase or sale for your consideration. • Providing the appropriate prospectus and/or offering It is important to note that if you change the Strategy for your Account to one that cannot hold a Reserve Line balance, you will be required to satisfy the entirety of the loan balance before changing Strategies. Additionally, if you terminate your Services Agreement and do not instruct us to transfer the assets in your Account to another Edward Jones account that is eligible for the Reserve Line, the Reserve Line (if any) associated with your Account will be terminated by the Lender and all outstanding obligations will immediately be due and payable. The Lender may instruct us to liquidate securities or assets pledged as collateral (without notice to you) in an amount sufficient to satisfy outstanding obligations. Edward Jones will act solely in its capacity as a broker-dealer in connection with any such instruction, not as an investment adviser. To learn more about the Reserve Line offering and its availability, please contact your financial advisor. documents of the Alternative Investment (the “Offering Documents”) to you. • Obtaining the necessary documents to facilitate the purchase, sale, or transfer of an Alternative Investment. • Working with you and the appropriate transfer agent, as Alternative Investment Services Pilot in Custom Managed Solutions. Edward Jones is conducting a pilot in Custom Managed Solutions that offers qualifying clients the ability to buy and sell Alternative Investments and temporary access to an unaffiliated money market fund for pending purchase requests PAGE 17 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com > edwardjones.com needed, to ensure an Alternative Investment purchase or sale request is in good order and can be moved forward to completion or settlement. • Obtaining and providing you with valuation information on the Alternative Investment. the Offering Documents, the investor application and contract associated with that Alternative Investment, and the Edward Jones Alternative Investments Client Acknowledgement form (collectively, the “Alternative Investment Documents”) for your review and completion. It is very important that you review every document in the Alternative Investment Documents in-depth. These resources contain important information on how that Alternative Investment is structured, including unique risks, limitations, such as restrictions on when or how you can sell your investment, and much more. • Monitoring your Alternative Investment(s) and notifying you with recommended actions for your consideration if your Alternative Investment(s) is out of alignment to the Target Range for your Goal Portfolio Objective. You are responsible for deciding if and how you want to take action on that advice. • Provide the transfer agent and/or asset manager with the • Reviewing, at least annually, your Alternative Investments in relation to your Account Portfolio Objective and associated Goal Portfolio Objective. completed Alternative Investment Documents and the cash from your Account to fund your Alternative Investment purchase order. • Provide you with a pending transaction valuation in your Account to represent the value of the Alternative Investment purchase or sale while the trade is processed and until it is settled. The IAP Fee will be charged on the value of the pending transaction. Ineligible Securities. Edward Jones will not accept into your Account any Alternative Investment that has not been deemed an eligible investment in IAP. Further, Edward Jones reserves the right to reject, in its sole discretion, a request to transfer into IAP an existing Alternative Investment that you purchased outside of Edward Jones, even if such Alternative Investment has been identified as an eligible investment within IAP. Valuation Availability and Timing. An Alternative Investment does not trade at the same frequency as other eligible investments held in your Account. Valuation information for an Alternative Investment may not change for days, weeks, or months, and may be based on estimated or actual values. Required Eligible Investments Minimum. Edward Jones requires that you meet a minimum of $300,000 in eligible investments in your Account as a prerequisite to access the Alternative Investment Services Pilot prior to an initial Alternative Investment purchase. Once you have purchased an Alternative Investment in your Account, if the value of your eligible investments, excluding your Alternative Investments, in your Account falls below the requisite minimum amount, we may, in our discretion, remove your Account from IAP. The asset manager provides valuation information pertaining to your Alternative Investment, which Edward Jones utilizes to provide you position or Account valuations, statements, confirmations and tax reporting documents. Edward Jones relies solely on the valuation information provided from the asset manager and does not attest to the accuracy or completeness of such information. The portion of the IAP Fee attributable to the Alternative Investment(s) in your Account is calculated using the valuation information available to Edward Jones for your Alternative Investment(s). For more information on the IAP Fee, including how it is calculated, please refer to the “Fees” section. Furthermore, Alternative Investments often have minimum net worth, income, or other financial qualification requirements. These qualifications may vary depending on the Alternative Investment and you may be required to maintain these minimums to remain invested in the Alternative Investment. These qualification requirements are determined by the Alternative Investment’s asset manager and are in addition to Edward Jones’ Alternative Investments’ client eligibility requirements. Trading. Once you have notified your financial advisor or Portfolio Strategy representative that you want to proceed with purchasing or selling an Alternative Investment, Edward Jones will take several actions, including: • For purchase requests, confirm you have sufficient cash in your Account or a sale in process in your Account that would cover the purchase price of the requested Alternative Investment. • Invest the cash in your Account that has been designated for an Alternative Investment purchase into an unaffiliated money market fund of Edward Jones’ choosing. The IAP Fee will be charged on the value of the unaffiliated money market position while you hold that position in your Account. Alternative Investment Alignment. Edward Jones will review your Alternative Investment(s) and notify you when these investments are out of alignment with the associated Target Ranges for your Account Portfolio Objective or Goal Portfolio Objective. If your Account is out of alignment for any reason, including, but not limited to, valuation increases, you will be responsible for realigning your Account within a time frame determined by Edward Jones in its sole discretion and communicated to you. To realign the Alternative Investment(s), you must provide instructions to Edward Jones on how much of your Alternative Investment(s) you request to sell, or transfer your Alternative Investment to an Edward Jones Select brokerage account, which allows Alternative Investments transferred from an IAP Account to be held in this account as a hold-eligible investment, or third-party Account. Upon receiving your request, Edward Jones will work with you to begin the trade process, including the issuance of the Alternative Investment Documents. Such transactions may result in tax consequences as well as additional fees and expenses. • Provide you with the applicable documents associated with the requested Alternative Investment including, but not limited to, PAGE 18 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD  > edwardjones.com In the event you do not provide instructions to Edward Jones to realign your Alternative Investment(s) within the required time frame, Edward Jones may, in its sole discretion, determine to remove your Account from IAP. administrative agent to process and administer your participation in such asset recovery cases as a class member. This Class Action Service is a separate administrative service, is not part of the advisory services offered in IAP or covered by the IAP Fee, and Edward Jones does not act in an advisory capacity when making this service available to you. Additionally, Edward Jones will not provide legal advice to you or any other party related to your participation in such Class Actions. With respect to Alternative Investments, this section and any reference to Alternative Investments throughout this Brochure will control if in conflict with any other disclosures within this Brochure. Custody. Assets in your Account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones, as sub- custodian. As custodians, Edward Jones and EJTC are responsible for: Charges for the processing of class action claims shall be subject to a contingency fee assessed by the third-party service provider in the event a recovery is made. The contingency fee shall be a percentage of the total reimbursement of Class Actions settlements the third-party service provider collects. Additional service charges may apply related to the distribution and handling of payment if your Account has been closed and a paper check and/or location services/escheatment is required. • Safekeeping your funds and securities • Collecting dividends, interest and proceeds from any sales • Disbursing funds from your Account You will be automatically enrolled in the Class Action Claim Filing Service if this service is available for the Strategy you select for your Account. However, you are not obligated to continue to provide Edward Jones with the authority to permit the third-party provider to process any such claims. Rather, you may opt out of this service and pursue such claims on your own by advising Edward Jones, in writing, of your intention to opt out of this third-party service. Further terms and conditions applicable to this Class Action Claim Filing Service can be found at edwardjones.com/ accountfeatures. Edward Jones (as broker-dealer) will provide all Accounts with written trade confirmations of securities transactions and Account statements for each month there is activity in the Account. You can waive the right to receive and therefore suppress certain trade confirmations in our discretionary Strategies if consented to by the Planning Group in the IAP Authorization and Agreement Form; however, you will still receive the mutual fund and ETF fund prospectus and other fund documents, when applicable. If EJTC is the custodian, the Account statement will be sent by Edward Jones on behalf of EJTC. Please review your Account statements carefully and notify us immediately if you detect an error or a discrepancy. Check Writing, Debit Card, and Bill Pay Services. If applicable, check writing, debit card, and bill pay services, established pursuant to the separate agreements for these services, are only available in the Client Directed and FA Managed Strategies. If changing Strategies on your existing account from Client Directed or FA Managed to Managed Solutions or Custom Managed Solutions, these services, if previously requested, will terminate immediately. Termination of IAP Services. You or Edward Jones may terminate your participation in IAP or any Account at any time without any advisory termination fee. While oral instructions to terminate your participation in IAP or an Account are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate such services. Upon notice of termination of your participation in IAP or any Account, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to the assets in your Account(s), but you may instruct us to sell the securities or transfer the securities to another Edward Jones account or a third-party account. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Class Action Claim Filing Service for FA Managed, Client Directed, and only Managed Solutions or Custom Managed Solutions Strategies that utilize SMAs. Edward Jones partners with a third-party service provider to assist with recovery services by filing claims on your behalf in certain “Class Actions” related to securities and other financial instruments held in your Account. This service is only available in the FA Managed Strategy, Client Directed Strategy, and any Managed Solutions or Custom Managed Solutions Strategies that utilize SMAs. “Class Actions” includes all U.S. state and federal class actions, Securities and Exchange Commission disgorgements, or other regulatory cases, as well as international class actions and/or collective actions involving publicly traded securities and financial instruments. As part of your Services Agreement, you have provided limited power and authority to Edward Jones and/or the third-party service provider Edward Jones partners with to submit claims on your behalf, either directly or indirectly through such third-party service provider, including execution of necessary forms and documents. Pursuant to your Services Agreement, you will be bound by, and subject to, the terms of all forms and releases that may be entered into for settlements in which a claim is filed on your behalf. In so doing, you appoint Edward Jones and/or the third-party service provider Edward Jones partners with as your In general, Edward Jones follows the instructions of mutual fund PAGE 19 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD  For Strategies that utilize SMAs, the SMA Managers may invest in mutual funds that have been developed for use solely with their respective SMA strategy. Accordingly, any positions in such mutual funds will be liquidated if you terminate your participation in such SMA strategy or your Services Agreement is terminated. Additionally, the Executing SMA Manager may use multiple trading days following the date after Edward Jones receives your liquidation request to fully liquidate your securities if the SMA Manager believes it is in your best interest to have a longer liquidation period. companies to convert the shares to a different share class or liquidate the shares when transferring mutual funds. When a mutual fund company offers multiple share class options for a mutual fund, and you have instructed us to transfer such mutual fund to an Edward Jones Select brokerage account or you fail to provide instructions and your assets are transferred to a Limited Services Account, as defined below, then Edward Jones will determine, in our sole discretion, what share class to convert your mutual fund holding into when transferring your mutual fund holding to the Edward Jones Select brokerage account or Limited Services Account. Mutual fund share class conversions can result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. For Client Directed and FA Managed, if you instruct Edward Jones to liquidate equity securities in your Account which include fractional shares, as an accommodation Edward Jones will purchase such fractional share(s) as principal into its own account at market value without a mark-up or mark-down. Edward Jones may make a profit on its inventory due to market movements. In the event Edward Jones is notified by a receiving firm that a transfer of securities in your IAP Account is being rejected in part or whole by such receiving firm, Edward Jones will liquidate the rejected securities and transfer the cash to such receiving firm. For Alternative Investment(s), due to potential restrictions on when and/or how much of an Alternative Investment can be sold or transferred, Edward Jones will transfer your entire account to a Limited Services Account upon notice of termination. Bridge Builder Funds are only available to be purchased or held in Edward Jones’ advisory programs and are not available to be held or purchased in an Edward Jones Select brokerage account or at another financial institution. Accordingly, any positions in Bridge Builder Funds will be liquidated when you move from your Account to an Edward Jones Select brokerage account or account at another financial institution. The Money Market Fund is generally unavailable to be purchased or held outside of Edward Jones’ advisory programs and Limited Services Account (defined below). Accordingly, in many situations, any position in the Money Market Fund will be liquidated if you move from your Account to an Edward Jones Select brokerage account or account at another financial institution. Fees Every Account pays asset-based fees (referred to as your “IAP Fee”). Your IAP Fee includes a Program Fee, Platform Fee, and any SMA Manager Fees (if applicable), less any applicable fee reduction and/or fee offset (as discussed more fully below). In addition to your IAP Fee, eligible investments, including ETFs, affiliated mutual funds and unaffiliated mutual funds, and, as applicable, Alternative Investments, in your Account, have internal fees and expenses that are described in the fund prospectus and other fund documents of each fund. These internal fees and expenses vary depending on the particular eligible investment. If utilizing SMAs, you are responsible for the cost of commissions or transaction charges for securities trades directed by Edward Jones or an Executing SMA Manager for execution by broker-dealers other than Edward Jones (i.e., “step-out” trades). The following section explains: • The fees and expenses • How the fees and expenses are calculated and paid • Potential fee reductions and offsets you may receive from Taxable gains, taxable losses, additional fees and expenses such as redemption fees or sales charges may be assessed upon the liquidation or redemption of securities. These fees and expenses may negatively impact your investment performance. If you request the assets in your Account to be liquidated, proceeds from the sale of your securities will be available upon settlement of the trades generated to complete the liquidation. Because bond markets may be less liquid, these investments, if applicable, may be more difficult to liquidate, especially during periods of extreme market volatility. Therefore, you may experience delays or adverse price fluctuations when liquidating these securities. Edward Jones The Program Fee Every Account is charged a Program Fee for certain investment advisory services, including initial and ongoing analysis of your investment needs and objectives; periodic consultations; ongoing evaluation and selection of investments for this program; Edward Jones’ ongoing investment policy guidance and services to keep your Account aligned with such guidance; periodic performance reporting; custody and transaction execution services and other related services as described in this Brochure. The Program Fee is assessed up to a maximum annual fee rate of 1.35%, payable monthly in arrears. Upon notice of termination of your participation in IAP or any Account, the services for the Account will be significantly limited (“Limited Services Account”) if you fail to instruct Edward Jones as to the disposition of assets in your Account. We will no longer act as a fiduciary to your Account, and you can no longer rely on us to provide advisory services to your Account. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for money market funds). Any transactions will be subject to fees, commissions, and sales charges applicable to Edward Jones Select brokerage accounts. You may request a copy of the applicable brokerage schedule of fees from your financial advisor at any time or visit edwardjones.com/accountfees. PAGE 20 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com excluded from the IAP Fee calculation for a period of time as determined by Edward Jones. The Platform Fee A Platform Fee is charged on Accounts enrolled in IAP for the support and maintenance of Accounts on the Edward Jones’ investment advisory platform, such as trading and risk tools, training and education, and ongoing platform development. This fee is in addition to the Program Fee and SMA Manager Fee(s), as applicable. The Platform Fee is assessed up to a maximum annual fee rate of 0.05%, payable monthly in arrears. Pricing Groups To determine your IAP Fee, your Account may be grouped with your other Accounts, other Edward Jones advisory accounts that are not part of IAP, or the Accounts or other Edward Jones advisory accounts that are not part of IAP registered to people related to or close to you who meet the criteria below that are held in the same Edward Jones branch in what we refer to as a Pricing Group. Each Account can only be in one Pricing Group, and we will disclose to you the Accounts making up your Pricing Group upon request. Other members of the Pricing Group will receive the same disclosure upon request. Your Pricing Group is based on the following criteria: How the IAP Fee Is Calculated The IAP Fee is based on the market value of all assets held in your Account, including but not limited to (as applicable), stocks, mutual funds, ETFs, fixed income holdings, cash, cash equivalents, third-party money market funds, and shares of the Money Market Fund. Margin loan balances and Reserve Line Advances, if any, do not reduce the market value of your Account for the purposes of calculating the IAP Fee. The IAP Fee is comprised of fees assessed up to the maximum annual fee rates (shown above), payable monthly in arrears. Accounts with higher values generally pay lower fee rates than accounts with lower values. The fees assessed by Edward Jones will reduce your Account’s overall returns and performance. 1. Your single, joint, custodial, owner-only 401(k) plan and IRA Accounts are grouped together if they are registered at the same address and share one or more of the following: (a) the same last name, (b) the same Social Security number, or (c) the same Edward Jones Relationship Group. (If you have worked with your financial advisor to group your Accounts together for the purpose of sharing financial and nonpublic personal information in furtherance of planning for financial goals or investing, that is a Relationship Group. Your Relationship Group may be the same as your Pricing Group. Please contact your financial advisor if you have any questions about your Relationship Group.) The IAP Fee is charged to your Account each month in arrears. If your Account is open for part of a month, then your IAP Fee will be based on the number of days your Account was open and able to be invested. The amount you pay is determined by the average daily market value of the assets held in your Account for the previous month. 2. Your revocable trust Accounts are grouped with your single, The IAP Fee calculation applies to each Strategy as follows: • For Client Directed and FA Managed Accounts, your IAP Fee joint, custodial, owner-only 401(k) plan, IRA or other revocable trust Accounts if they are registered at the same address and use the same tax ID number for tax reporting. will commence once the Account is funded with at least $5,000. • For Managed Solutions and Custom Managed Solutions 3. Your association, church, corporation, estate, irrevocable trust, LLC, partnership and sole proprietorship Accounts are grouped with other Accounts of the same type if they are registered at the same address and use the same tax ID number for tax reporting. These types of Accounts will be grouped with each other but not with other account types. Accounts, your IAP Fee will commence once the Account is sufficiently funded in order to begin implementing your Strategy, as determined in the sole discretion of Edward Jones. However, certain account types in the Custom Managed Solutions Strategy (as referred to in Item 5) that do not contain a minimum initial investment will be charged the IAP Fee on the market value of any assets held in the Account without having to meet any funding threshold. The IAP Fee will continue to be charged on the assets within an IAP Account upon a Strategy change even if the Account has not yet been invested into the newly selected Strategy. Additionally, Accounts that do not meet the above criteria with your Account, but that meet the above criteria with another person’s Account in your Pricing Group, will be added to your Pricing Group. Furthermore, if your Account does not meet the above criteria, Edward Jones may, in our sole discretion, create a Pricing Group that accommodates your situation. Please contact your financial advisor if you have questions about your Pricing Group. In addition, the IAP Fee may be lower in the following circumstances: • Either Edward Jones or your financial advisor negotiates a lower Program Fee; • You are an active or eligible retired associate of Edward Jones; or Additionally, in coordination with my financial advisor, there may be instances where trading may not occur immediately after an Account is opened and able to be invested, such as when awaiting the transfer of assets or additional funding into the Account as part of implementing a selected Strategy. In such instances or other instances meant to provide greater flexibility around timing of the portfolio construction, you will be charged the IAP Fee even if the Account has not yet been invested into the selected Strategy. • You are a member of an active or eligible retired associate’s Pricing Group. For taxable Accounts, the value of any fixed income syndicate offerings acquired (as applicable) and held in your Account will be PAGE 21 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Edward Jones retains sole discretion to reduce the IAP Fee, up to and including a full waiver, which may result in clients being charged differently for the same or similar services. to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your Account, we will credit the amount received to your Account. Affiliated Mutual Funds: If your Account invests in affiliated mutual funds, the investment adviser to the mutual funds will be an affiliate of Edward Jones. Affiliated mutual funds, other than the Money Market Fund, consist of Bridge Builder Funds and will be sub-advised by multiple sub-advisers who are unaffiliated with Edward Jones. Refer to Appendix A which contains a detailed discussion of our affiliation with the affiliated mutual funds and an explanation of the related waiver agreement. SMA Manager Fees SMA Managers generally charge a fee for the development and maintenance of their SMA(s). Such fee is separate and apart from the Program Fee and Platform Fee and is referred to as the SMA Manager Fee. The annual SMA Manager Fee rates vary by SMA Manager. When Edward Jones serves as the Affiliated Manager for affiliated SMAs, there is no SMA Manager Fee charged by us to you. For the unaffiliated SMAs available in IAP, the Unaffiliated Managers of these SMAs generally charge an annual SMA Manager Fee rate that ranges from 0.00% to 0.45%. The exact SMA Manager Fee rates depend on the SMA of the Unaffiliated Manager(s) included in your Account. There is no SMA Manager Fee assessed on investments in mutual funds and ETFs held outside SMAs. For SMAs managed or recommended by Unaffiliated Managers, you pay the associated SMA Manager Fees to Edward Jones, and Edward Jones remits those fees directly to the applicable Unaffiliated Managers. Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Money Market Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any Account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such Account. Potential Fee Reductions or Offsets to the Program Fee Depending on certain factors, you may be eligible to receive fee reductions or offsets to your Program Fee, as described below. How the IAP Fee is Paid The IAP Fee is deducted directly from your Account and paid using the available cash portion of the portfolio that you are invested in, which may include cash or assets invested in the Money Market Fund. If there is not sufficient cash or assets in the Money Market Fund, we are authorized to sell a sufficient amount of other assets (at our discretion) held in your Account to pay the IAP Fee. Such transactions will be effected without regard to tax consequences. You may have to pay redemption fees to a fund company if those shares were held only for a short time (see below for more information on redemption fees). Trades as a result of a liquidation of an eligible investment in a taxable Account may result in a taxable event or necessitate odd-lot sales. Odd-lot sales may result in less favorable pricing conditions. At the sole discretion of Edward Jones, you may be allowed to pay your IAP Fee from an alternate Edward Jones account. Fee Reductions If your Account is funded from an Edward Jones account that incurred commissions or redemption fees within a preceding period, as established by Edward Jones, the Program Fee may be reduced for up to twenty-four (24) full months in which the Account is active in IAP. The amount of the fee reduction will depend on the type of security held, timing of trade activity for the security or other characteristics of the account activity in the previous Edward Jones account. Ask your financial advisor for additional information about potential fee reductions. Any fee reductions will be applied in accordance with policies established by Edward Jones, which may be amended from time to time. If you close your Account in IAP before receiving the entire fee reduction, you will not receive any of the remaining fee reduction that may have been available for your Account. If you are selling securities to invest in IAP but did not purchase them through Edward Jones, you will not receive a fee reduction. For Managed Solutions and Custom Managed Solutions, if Edward Jones is required to sell assets to pay the IAP Fee, this may trigger a rebalance of your Account. For all other Strategies, this may result in your Account being out of alignment with the Target Ranges and/or with the Investment Diagnostics for your Account until portfolio alignment occurs. Fee Offsets Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your Account, we will credit the amount received to your Account. Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for your Account’s recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees Mutual funds (including affiliated and unaffiliated mutual funds) and ETFs have internal management fees and ongoing expenses that are deducted from the eligible investment’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many mutual funds used in IAP have different share classes with different fees and expenses. The fund prospectus and other fund documents will describe the internal fees and expenses. Internal fees and expenses are in addition to the IAP Fee described above PAGE 22 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com and vary depending on the particular mutual fund or ETF. You will not see a separate entry on your Account statement showing these fees and expenses. Account but not yet invested into IAP may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your Account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate, and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Certain mutual funds may also impose redemption fees if shares of the mutual fund are held for only a short time (typically anywhere from less than thirty (30) days to twelve (12) months). Details about mutual funds can be found in the fund prospectus and other fund documents. The fund prospectus and other fund documents will describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Any internal fees and expenses charged by a mutual fund or ETF will reduce your Account’s overall returns and investment performance. Financial Advisor Compensation Most financial advisors receive a portion of the Program Fee, though some financial advisors receive a salary in addition to, or in lieu of, the Program Fee. Financial advisors who receive a portion of the Program Fee have a financial incentive not to negotiate the Program Fee. The portion of the Program Fee paid to your financial advisor is at the discretion of Edward Jones. The fee rate paid to your financial advisor will be the same regardless of the Strategy, Account Portfolio Objective, or Goal Portfolio Objective (if applicable) you select. As a result, your financial advisor does not have a financial incentive to recommend one particular Strategy, Account Portfolio Objective, or Goal Portfolio Objective over another. Your financial advisor also will not receive a portion of the Platform Fee. Internal Fees and Expenses of Alternative Investments, Including Redemption Fees. The fee structures for Alternative Investments differ from other eligible investments and have the potential for significant management fees or other costs, which could raise the overall expense of investing in an Alternative Investment. Certain Alternative Investments may impose an early redemption fee that is directly charged to you and debited from your Account should you sell out of the Alternative Investment during an initial period of time set by the asset manager. Additionally, an Alternative Investment may impose internal fees that result in reduced returns and investment value to you. The fees associated with an Alternative Investment, including any early redemption fees that may be charged to you, are disclosed in the applicable Alternative Investment’s Offering Documents. The amount of your financial advisor’s compensation may be more or less than what he or she would receive if you had a brokerage account instead of an Account. If you purchased investments through Edward Jones as a broker-dealer, you would pay sales charges or commissions, a portion of which would be paid to your financial advisor. A financial advisor will typically earn more in upfront fees and commissions when you use brokerage services. In the alternative, a financial advisor will typically earn more over time if you invest in IAP. This creates a financial incentive for your financial advisor to recommend IAP instead of brokerage services. Other Fees and Expenses Not Included in the IAP Fee In addition to the IAP Fee described above, clients may incur other fees and expenses. You will pay interest charges on a Reserve Line Advance, if applicable, to the Lender, as set forth in the Reserve Line Agreement, which are separate from, and in addition to, the IAP Fee you pay us. You will also pay Edward Jones interest on margin loans, if applicable, as set forth in the Margin Disclosure. You may pay for other services including, but not limited to, debit and check-writing fees, fees to distribute an Account pursuant to a transfer on death agreement, estate service fees, an Account transfer fee, and/or termination fee for certain account types. Also, the IAP Fee does not cover the following (if applicable to your Account): transfer taxes; electronic fund, wire and other Account transfer fees; internal fees and expenses incurred by mutual funds (including affiliated mutual funds) or ETFs purchased for your Account, including commissions and other transaction-related charges incurred by any such fund, even if Edward Jones or an affiliate thereof effects these transactions for the fund; mutual fund redemption fees and contingent deferred sales charges; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your Account. Deposits, including interest and dividends, received into your Edward Jones will receive revenue as a result of you taking advances under the Reserve Line, which is based on the amount of the Reserve Line advance, if applicable. The larger the amount of the Reserve Line Advance, the more revenue Edward Jones receives. In addition, your financial advisor may also receive compensation in connection with Reserve Line Advances depending on the profitability of your financial advisor’s branch. As a result of the foregoing, there is a material conflict of interest between you and us in connection with the Reserve Line, which we address through disclosure in this Brochure and which you are deemed to consent to by taking a Reserve Line Advance. For example, if you take out or maintain a Reserve Line Advance rather than withdraw money from your Account, we retain the IAP Fee that such assets are otherwise generating and receive revenue from the Lender. The Lender also receives revenue in the form of interest payable on the Reserve Line Advance. Depending on your specific circumstances, including the intended duration of the advance under the Reserve Line and the return on your Account, over the long term it may cost you more to take out the Reserve Line Advance than if you had pursued an alternative PAGE 23 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. financing option or liquidated securities and withdrawn the sale proceeds from your Account. You are responsible for determining whether a Reserve Line is appropriate for your liquidity needs, the acceptability of the lending terms, and potential adverse tax or other consequences for you. You are encouraged to carefully consider the total cost of taking out an advance under the Reserve Line, and any additional compensation to us or your financial advisor or the Lender, when determining to take out and/ or maintain a Reserve Line Advance. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Additional Disclosure of Services, Fees and Other Compensation Employee Retirement Income Security Act of 1974, as amended (“ERISA”) Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the named fiduciary or other responsible plan fiduciaries of an employee benefit plan subject to ERISA (“Plan”) in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. IAP is an investment advisory program offered by Edward Jones. The services provided through IAP are described in Item 4 above and in Section 1 of the Edward Jones Investment Advisory Program Client Services Agreement. For a description of the fees that may be directly charged to the Plan in connection with IAP, refer to Fees in this Item 4 and the IAP Schedule of Fees. Your financial advisor also may receive compensation in connection with margin loans, if applicable. As a result, if you would be eligible for margin lending but ineligible for the Reserve Line, your Financial Advisor will have a financial incentive to recommend one Strategy over another. If you use margin in your Account, Edward Jones will receive revenue as a result of charging interest on your margin loan. Accordingly, there is a material conflict of interest between you and us in connection with margin loans, which we address through disclosure in this Brochure. For example, if you take out or maintain a margin loan rather than withdraw money from your Account, we retain the IAP Fee that such assets are otherwise generating and charge you interest on any outstanding margin loan balances. Depending on your specific circumstances, including the intended duration of the margin loan and the return on your Account, over the long term it may cost you more to take out the margin loan than if you had pursued an alternative loan option or liquidated securities and withdrawn the sale proceeds from your Account. Edward Jones could receive compensation from sources other than the Plan in connection with services provided. For a discussion of other potential sources of compensation, see Item 9 below. Although Edward Jones receives more revenue from a margin loan than a loan through the Reserve Line, your Financial Advisor is compensated the same on both types of loans. You are encouraged to carefully consider the total cost of taking out any loan, and any additional compensation to us or your Financial Advisor, when determining to take out and/or maintain a loan. For a discussion of termination fees that may apply, see “Termination of IAP Services” and “Other Fees and Expenses Not Included in the IAP Fee” in this Item 4. Edward Jones and its affiliates may benefit from other compensation as described in Item 9B under “Client Referrals and Other Compensation.” For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. The Program Fee, as well as assets under care, Reserve Line Advance balances and/or client margin loan balances, will impact most financial advisors’ eligibility for a bonus and bonus amount. The Program Fee, as well as assets under care and client Reserve Line Advance balances may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in IAP. Most financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Portfolio Strategy Representative Compensation Portfolio Strategy representatives receive a salary. Additionally, these individuals receive periodic bonuses that take into account various metrics including financial metrics such as the number of clients enrolled in the Edward Jones Generations service (“Generations”) and the amount you invest at Edward Jones, including IAP, but the compensation does not differ based on the type of product or service purchased through Generations. Additionally, Portfolio Strategy representatives receive firm profit-sharing distributions. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s Comparing Costs, Expenses and Services The Program Fee is a fee for investment advisory services as PAGE 24 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com redemption fees that may be assessed on the liquidation or redemption of those securities. Edward Jones will act in our capacity as a broker-dealer, not as a fiduciary or investment adviser, in connection with such transactions and will sell those securities at no commission. The proceeds will be invested in the Account. We will not provide advice or guidance regarding the securities being sold to fund the Account. Trades that occur in a taxable Account will result in a taxable event to you. Please consult with your tax professional. For Managed Solutions and Custom Managed Solutions Strategies, if your Account is a Benefit Plan Account or a traditional or Roth IRA Account, all initial incoming securities may be liquidated and the proceeds, along with any other incoming cash, will be invested in your Account. described above under “The Program Fee” and the Platform Fee is a fee for platform support services as described above under “The Platform Fee”. IAP may cost you more or less than purchasing these services separately, depending on the costs of the services if provided separately, the size of your Account, the amount of cash in your Account, and the trading activity in your Account and the corresponding brokerage commissions that would be charged if you bought and sold individual securities in a brokerage account. You can choose to forgo the services of IAP and buy and sell securities through Edward Jones as a broker- dealer or through other brokers or agents not affiliated with Edward Jones (although you would not receive the benefits of the program described in this Brochure). We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”). Additional copies are available from your financial advisor upon request and our CRS is available at www.edwardjones.com/ regbidisclosures. Item 5: Account Requirements and Types of Clients Your initial investment in an Account must generally be as follows: • The Managed Solutions Strategy minimum is generally $25,000. • The Custom Managed Solutions Strategy minimum is generally $5,000. Certain account types, in Edward Jones sole discretion, as well as Edward Jones associates, their spouses and dependent children, may add this Strategy without a minimum initial investment. For all other Account types or taxable Accounts, if you initially transfer securities into your Account and those securities are eligible investments, you authorize and direct Edward Jones to: (a) convert some or all shares of current eligible investments to a different share class used in IAP, and/or (b) liquidate some or all shares of current eligible investments. Conversions could result in higher or lower fees and/or expenses than those paid under the previous share class and liquidations may cause a taxable event. Liquidations depend upon factors such as the type and values of the securities you transfer in and the type and values required by your Strategy at the time of the transfer. Any securities you transfer into your Account that are not eligible investments will be liquidated and the proceeds invested as described above. Additionally, Edward Jones retains the right to reject the transfer of Alternative Investments into Custom Managed Solutions Accounts even if they are eligible investments. • Custom Managed Solution accounts seeking to invest in Alternative Investments will require an account value of at least $300,000 or higher at our sole discretion and must meet minimums and other requirements per the offering documents of each unique Alternative Investment. • If adding SMAs to your Managed Solutions or Custom Managed Solutions Account, you must meet the SMA manager minimum for your allocated position ($50,000 or more depending on the SMA) and your portfolio must also be within other portfolio diagnostic guardrails set by Edward Jones. This limitation may prevent you from utilizing SMAs if you want to select an Account Portfolio Objective that does not meet Edward Jones required portfolio diagnostics with a single SMA strategy. • The Client Directed Strategy minimum is generally $25,000. • The FA Managed Strategy minimum is generally $25,000. Edward Jones offers clients a wide range of financial services. IAP may not be appropriate for every client or every account type. Generally, IAP is available only to residents or entities of the United States and certain U.S. territories with the following types of Accounts: individual; joint; trusts; charitable organizations; corporations and other business entities; traditional IRAs and Roth IRAs; Savings Incentive Match Plans for Employees (“SIMPLE”) IRAs, Simplified Employee Pension (“SEP”) IRAs, traditional IRAs linked to an Edward Jones SEP IRA and other eligible benefit plans (each a “Benefit Plan”). Benefit Plans generally include pension or other employee benefit plans governed by ERISA, tax-qualified retirement plans (including a Keogh plans, Edward Jones-sponsored Owner K® plans or “single owner 401(k)” plans in which the only eligible plan participants are the business owner and/or his or her spouse) under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”). Not all Benefit Plans may be eligible for enrollment. Check with your financial advisor to determine eligibility. The total value of your Account is monitored by Edward Jones. If the value of your Account falls below the initial investment minimum, we may, in our discretion, remove your Account from IAP. Edward Jones can prohibit any person or entity from investing or remaining in IAP for any reason, including if we do not believe it is an appropriate Strategy for that person or entity. You may add or withdraw funds from your Account upon request. Additions and withdrawals from your Account may result in Edward Jones selling or purchasing assets in your Account in a You can initially fund your Account with cash and/or securities. If you establish your Account or later add to your Account with securities that are not eligible investments, you authorize and direct Edward Jones to liquidate or redeem those securities as promptly as practicable without regard to tax consequences or PAGE 25 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Managed Solutions. Edward Jones-supervised persons serve as portfolio managers for this Strategy. manner that attempts to minimize variations in the asset allocation and target weightings within your Account but may result in tax consequences. Custom Managed Solutions. In consultation with your Edward Jones financial advisor, you can choose your portfolio preferences and/or the initial investments in your portfolio from our list of eligible investments. Your financial advisor and/or Edward Jones will monitor and rebalance your Account, and take action as needed to bring your Account into alignment with your Account Portfolio Objective. If after your Account is opened and activated you subsequently transfer in shares of mutual funds that are current eligible investments but in a different share class from the share class used in IAP, these shares will be liquidated upon transfer into your Account and the funds invested in accordance with your Strategy. This may cause a taxable event in your Account, and we cannot guarantee that you will not owe taxes as a result of the liquidation. For more information about share classes, please refer to the Risk of Loss section below. FA Managed. Your financial advisor will exercise discretion to select investments for your Account. Other financial advisors and Edward Jones licensed personnel may act on behalf of your financial advisor. As of the date of this Brochure, your financial advisor must meet training requirements as well as certain minimum tenure, experience and/or educational certification eligibility requirements established by Edward Jones to provide discretionary investment management services under FA Managed. Your financial advisor’s eligibility to continue providing discretionary investment management services under FA Managed is subject to ongoing reviews. Edward Jones may modify or eliminate the applicable eligibility criteria at any time and without notice to you. Additionally, other financial advisors and Edward Jones personnel may assist your financial advisor in providing the management services to you and are not required to meet the eligibility requirements. If you request a transfer of securities from your Account to another Edward Jones Account or a third-party Account, you authorize Edward Jones to transfer the mutual fund shares in-kind without converting the shares into a different share class. In the event of a transfer of mutual funds and/or fund share classes that cannot be held outside of your Account, Edward Jones will: (a) convert the mutual fund shares into a different share class before the shares transfer; and/or, (b) liquidate the mutual fund shares and transfer cash. Edward Jones follows the instructions of mutual fund companies to convert the shares to a different share class, or liquidate the shares, when transferring mutual funds. Conversions could result in higher fees and expenses and negatively affect investment performance and liquidations may cause a taxable event. Client Directed. No third-party investment advisers, no related persons or Edward Jones-supervised persons serve as portfolio managers in Client Directed. In consultation with your Edward Jones financial advisor, you will select your eligible investments for your Account. Your financial advisor and/or Edward Jones will monitor your Account and notify you when your Account requires alignment. Mutual fund shares held in your Account may accumulate and be used to satisfy a letter of intent (“LOI”) associated with multiple Edward Jones brokerage accounts. However, if a brokerage account transferring into IAP is the only account where the LOI can be met, Edward Jones can terminate your LOI and sell a portion of your position to adjust the commission paid in your brokerage account before the transfer of your assets into IAP. Assets in your Account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. Managed Solutions and Custom Managed Solutions with SMAs. If utilizing SMAs, all eligible investments are selected by Edward Jones based on a process tailored to the type of investment (affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds and ETFs). Only certain SMAs offered by SMA Managers are available in IAP. Affiliated mutual funds may not be held outside of your Edward Jones investment advisory and/or brokerage account. Accordingly, any positions in Bridge Builder funds will be liquidated if you move from your Account to an Edward Jones Select brokerage account or account at another financial institution. Similarly, any position in the Money Market Fund will generally be liquidated if you move from your Account or Limited Services Account to an Edward Jones Select brokerage account or account at another financial institution. Liquidations of an affiliated mutual fund in a taxable account may result in a taxable event. Certain eligible investments may contain additional minimums beyond the Strategy minimum. We can change the minimum at our discretion. Item 6: Portfolio Manager Selection and Evaluation Selection and Evaluation of Portfolio Managers and/or their Associated Eligible Investments. Edward Jones performs due diligence on portfolio managers, including the portfolio managers of affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, ETFs, and Alternative Investments to select and evaluate eligible investments for the applicable Strategies in IAP. The eligible investments selected and evaluated by Edward Jones are based on a process tailored to the type of investment (affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds or ETFs). Eligible investments selected for IAP undergo a due diligence process by Edward Jones, which, among other things, determines whether such investment meets our objective and subjective criteria to be included as an eligible investment. For affiliated SMAs and affiliated mutual funds, Edward Jones uses a review process that is different from the other eligible IAP is a wrap fee program with options to choose discretionary and non-discretionary Strategies sponsored by Edward Jones. See Item 4 above for a description of our advisory services. PAGE 26 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Jones if you want to transfer the impacted Alternative Investment to an Edward Jones Select brokerage account, which allows Alternative Investments transferred from an IAP Account to be held in this Select brokerage account as a hold-eligible investment, or third-party account, or if you want to liquidate the Alternative Investment, you will have up to two (2) trading windows to complete such transfer(s) or sale(s). investments that are unaffiliated with Edward Jones when selecting and monitoring the inclusion of these affiliated investments in IAP as an eligible investment. Specifically, when selecting and/or monitoring an affiliated investment as an eligible investment, we use processes that include, but are not limited to, an evaluation of the investment process, consistency in the use of such investment process, portfolio composition, strategies employed, reviewing quarterly information on a strategy’s investment performance results and risk management. Once Edward Jones determines an Alternative Investment is to be removed from IAP and has notified you of such removal, Edward Jones will no longer act as an investment adviser and will not be obligated to recommend any action with regard to that removed Alternative Investment. While the value of the removed Alternative Investment will be included in the calculation of your IAP Fee, you will receive a subsequent credit for any IAP Fee that was charged to your Account for holding this removed Alternative Investment while it remains in your Account. If you have not provided instructions for how Edward Jones is to liquidate or transfer your entire Alternative Investment holding by the conclusion of the second trading window, Edward Jones will transfer your entire Account to a Limited Services Account. For unaffiliated investments deemed an eligible investment in IAP, Edward Jones uses a review process that starts with an evaluation of the unaffiliated investments’ manager (the “Unaffiliated Manager”) and/or their product(s) we seek to add to IAP. Specifically, our evaluation of the Unaffiliated Manager may include, but is not limited to, an assessment of their alignment to the Edward Jones investment philosophy, their organizational strength and stability, and the amount of assets under their management. Edward Jones will then further evaluate the Unaffiliated Manager’s product including, but not limited to, assessing the established history of investment performance, reviewing the risk taken to achieve returns, tax characteristics, such as portfolio turnover, and consideration, and reviewing up-to-date information on the strategy’s investment performance results, liquidity characteristics, or valuation methodology. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Methods of Analysis, Investment Strategies and Risk of Loss The performance or valuation is calculated by the Unaffiliated Managers themselves or by third parties. The Unaffiliated Manager performance information is not calculated on a uniform and consistent basis. Neither Edward Jones nor any third party engaged by us reviews performance information of an Unaffiliated Manager to determine or verify its accuracy or its compliance with presentation standards. Edward Jones selects the eligible investments available in IAP and each individual Strategy based on numerous quantitative and qualitative factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. The processes we use to select and monitor affiliated mutual funds and SMAs are different from the processes we apply to unaffiliated mutual funds and other eligible investments. After the initial evaluation and selection, Edward Jones continues to monitor Unaffiliated Managers on a cadence appropriate to the investment type. This ongoing monitoring may entail, but is not limited to, updated information on the Unaffiliated Managers’ background, investment practices or performance results. Removal of Portfolio Managers and/or their Associated Eligible Investments. Edward Jones may remove any eligible investment offered by an Unaffiliated Manager and their entire set of associated eligible investments from IAP for any reason. Reasons for the removal of an eligible investment or the Unaffiliated Manager and their associated eligible investments may include, but are not limited to, the following: • Key personnel changes; • Deviations from its investment philosophy or mandate; • Legal or regulatory concerns; • Poor performance when compared to similar managers over a In selecting and monitoring sub-advisers for our affiliated mutual funds, the investment adviser, which is affiliated with Edward Jones, follows a process that is similar, but not identical, to the process that we use to evaluate unaffiliated mutual funds and other eligible investments. This process includes quantitative and qualitative analysis, including, but not limited to, an evaluation of the investment process, consistency, portfolio composition, strategies employed, risk management, team depth, quality and experience, operations and compliance of the sub-adviser. The evaluation process includes review of literature and documents, quantitative historical performance evaluation and discussions with members of the investment team and Edward Jones management. None of the sub-advisers are affiliated with Edward Jones. market cycle; or • Investment risk that has become misaligned to Edward Jones’ investment philosophy. Eligible investments (other than affiliated mutual funds) undergo periodic review by Edward Jones to determine if they remain suitable for IAP. An eligible investment can be re-categorized to an ineligible investment for a variety of reasons, including, but not limited to, the following: Alternative Investments Transition. Edward Jones will notify you if an Alternative Investment you hold has been removed from IAP as an eligible investment. You will need to instruct Edward PAGE 27 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Inconsistency with Edward Jones’ investment philosophy or change in Edward Jones’ guidance and/or outlook • An alternate eligible investment that has been identified within experience less volatility and show more consistent performance over time. There is no guarantee that this goal will be achieved. For more information on Account rebalancing for the various Strategies and their differences, see Item 4. the same Asset Allocation Category • Other security specific reasons such as regulatory concerns, termination of an agreement with a mutual fund company, lack of ongoing financial information, a decision to reduce the overall ownership level of a fund, or a significant change to a fund’s investment team or shift in the fund’s investment process or stated invested style Risk of Loss All investment strategies and investments involve risk, and the value of your Account will fluctuate. As a result, your Account may be worth more or less than the amount of money you invested. There is no guarantee that an eligible investment will perform in any particular manner. Past performance does not guarantee future results, and there is no guarantee that your Account Portfolio Objective or Goal Portfolio Objective (if applicable) will be achieved. Each eligible investment will also fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives, strategies, risks, fees and expenses, and past performance of each eligible investment before deciding to invest in IAP. Affiliated mutual funds generally will not be removed from the list of eligible investments. However, as multi-manager funds, the above events may cause the affiliated investment adviser to select a replacement sub-adviser, subject to the terms and conditions of the fund prospectus and other fund documents. The affiliated investment adviser may also reallocate the fund’s assets or change the weightings among the remaining sub-advisers at its discretion. The affiliated investment adviser and the affiliated mutual funds have received an exemptive order from the SEC that allows sub-advisers to be appointed without a vote of the shareholders of the affiliated mutual fund. Edward Jones can place an eligible investment (other than an affiliated mutual fund or SMA) on “Update Pending” status. Update Pending is an interim status indicating there is some type of important news or issue involving the eligible investment. Once the significance of the news or issue is assessed, we will remove the Update Pending status and either: Additionally, your Account may also invest in certain investments that employ non-traditional trading strategies. Such investments may hold non-traditional investments or use complex investment and trading strategies. Investments that utilize derivatives or leverage, as an example, can be complex and increase the risk of volatility and loss of investment. Other potential risks may include, but are not limited to: the investment performs in a manner that is difficult to understand relative to traditional investments; lack of liquidity; credit risk; counterparty risk; and adverse tax consequences. Such investments contain unique characteristics and risks. Refer, as applicable, to the fund prospectus and other fund documents that describe risks specific to each fund. Information about each eligible investment can be obtained from your financial advisor. (1) keep the eligible investment on the list of eligible investments, or (2) render the investment an ineligible investment. You will not be notified that an eligible investment is in Update Pending status, and your Account will continue to hold the eligible investment through the Update Pending period. This process will not apply to affiliated mutual funds. Target allocations for each Account are established within the asset allocation ranges set by us. Eligible investments are chosen to represent the Asset Allocation Categories and investment styles within each Account. In the case of the affiliated mutual funds, sub-advisers are chosen based on due diligence. The overall asset allocation and target weightings within each Account are monitored for changes to the eligible investments or sub-advisers as deemed necessary. Implementing an ESG or values-based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while segments of the market or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. Depending on the available eligible investments selected for a given Strategy, your Account may also be subject to the following risks: Concentration Risk. An Account with a limited number of eligible investments may experience more volatility than a more diversified Account with a larger number of eligible investments. The Target Ranges for each Account Portfolio Objective are generally based on the Edward Jones Asset Allocation Categories. Depending on market volatility, the asset allocations in your Account will sometimes depart from the Target Ranges for your Account Portfolio Objective. Different asset classes will perform better than others, resulting in an asset allocation that may have more or less risk than you may want. Your Account will generally need to be realigned if it has deviated too far from the Target Ranges or Investment Diagnostics for your Account Portfolio Objective. The objective of investing in a variety of eligible investments in various types of asset classes allocated in the Target Ranges is to construct a portfolio designed to Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals PAGE 28 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com loss. A mutual fund company can also decide to redeem shares “in-kind” instead of in cash. In that event, you may receive the actual underlying securities of the fund. The underlying securities could lose value before they are sold. Brokerage and other transaction costs will apply to the sale of the underlying securities. We will work with the mutual fund company to minimize potential adverse impact to your Account, but there is no assurance that you will be able to avoid the risk of loss and other adverse consequences. and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Details about the ETFs in your Account and associated risks can be found in the fund prospectus and other fund documents. It is important that you read these documents before investing. Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. Share Classes. Mutual funds used in IAP can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Edward Jones considers several factors when selecting a mutual fund share class for IAP, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. Clients should not assume they will be invested in the share class with the lowest expense ratio. Edward Jones generally attempts to select institutional and/or advisory share classes for IAP, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected in IAP, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. As described in Item 4 above, if we receive Rule 12b-1 fees for shares held in your Account, we will credit the amount received to your Account as a fee offset. Details about the mutual funds in your Account and their specific risks can be found in the Fund prospectus and other fund documents. It is important that you read these documents before investing. Please also refer to these documents regarding the available share classes of mutual funds used in IAP. In our sole discretion, Edward Jones can change the share class of any mutual fund at any time without prior notice to you. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). Fixed-Income Securities Risk. Fixed-income securities, such as bonds, are subject to credit risk and interest rate risk. Credit risk is the possibility that an issuer of an instrument will be unable to make interest payments or repay principal when due. Changes in the financial strength of an issuer or changes in the credit rating of a security may affect its value. Interest rate risk is the risk that interest rates may increase, which tends to reduce the resale value of certain fixed-income securities. Certificate of Deposit (CD) Risk. The price of a CD in the Redemptions. Edward Jones’ clients collectively own a large percentage of certain mutual funds that are eligible investments. Due to the significant ownership, there may be adverse consequences in the event that Edward Jones, as the investment adviser, re-categorizes a mutual fund from an eligible investment to an ineligible investment. If the resulting volume or size of redemptions required to be effectuated as a result of the re- categorization exceeds the limits set forth in the mutual fund’s policies and procedures, the resulting delay in effecting redemptions may result in Accounts experiencing increased risk of PAGE 29 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com currently hold at Edward Jones, as well as Alternative Investments you hold outside of Edward Jones. Valuation/Tax Related Information. The lack of a secondary market or listing on a public exchange and the potential that underlying assets may be valued only periodically means daily pricing of the Alternative Investment may be unavailable and that valuations that are provided may not be current or accurate. secondary market is governed by prevailing interest rates. If a CD is sold before it matures, you may receive less than the original purchase price if interest rates are higher. Edward Jones, though not obligated to do so, may maintain a secondary market in the CD after the purchase which allows CDs to be sold on any business day. Rates paid on CDs may be lower or higher than the rates available directly through the bank that is issuing the CD. You are responsible for monitoring the total amount of CDs and other bank deposits that you hold with any one bank for Federal Deposit Insurance Corporation (“FDIC”) insurance limits. Leverage. Alternative Investments are not suitable for all investors. The use of leverage may increase the risk of the investment and potentially lead to significant loss of principal. You should consider your ability to hold the Alternative Investment through various market conditions, especially given the limited liquidity of Alternative Investments. Municipal Securities Risk. Municipal securities are subject to various risks based on factors such as economic and regulatory developments, changes or proposed changes in the federal and state tax structure, deregulation, court rulings and other factors. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generate taxes or revenues. There is a risk that the interest on an otherwise tax-exempt municipal security may be subject to federal income tax. Return Smoothing. Certain illiquid investments such as equity ownership in private companies or real estate are not valued daily. Rather, pricing of such investments is typically done through periodic estimated valuations. As a result, reported returns of an Alternative Investment holding illiquid investments may appear to have lower risk or less volatility than traditional investments that are valued daily. Risk of loss. An Alternative Investment has a high degree of risk and there is a risk of the complete loss of your investment. All or a substantial portion of the value of an Alternative Investment may be lost due to potential lack of diversification, use of leverage, or other speculative strategies. Government Securities Risk. U.S. government securities are subject to interest rate and inflation risks. Not all U.S. government securities are backed by the full faith and credit of the U.S. government. Certain securities issued by agencies and instrumentalities of the U.S. government are only insured or guaranteed by the issuing agency or instrumentality, which must rely on its own resources to repay the debt. As a result, there is risk that these entities will default on a financial obligation. Fees. Fee structures for Alternative Investments differ from traditional investments and include the potential for significant management fees and other costs, raising the overall expense of the investment. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Alternative Investments Risk. Alternative Investments have unique and different risks than other investments, including: Foreign Investing Risk. Investments in foreign markets or foreign companies may be achieved through investments in securities of foreign issuers, ETFs or mutual funds that hold securities of foreign issuers, or ADRs, which are receipts typically issued by a U.S. bank or trust company evidencing ownership of the underlying securities of a foreign company. Investments in foreign markets or foreign companies carry a number of economic, financial and political considerations that are not associated with the U.S. markets and that could unfavorably affect your Account’s performance. Among those risks are greater price volatility; weak supervision and regulation of securities exchanges, brokers and issuers; higher brokerage costs; fluctuations in foreign currency exchange rates and related conversion costs; adverse tax consequences; and settlement delays. Limited Liquidity and Redemption. The Alternative Investments available in IAP are not listed on any securities exchange and there may be no secondary market for the Alternative Investment, meaning you may have no access to the money invested or to any potential profits, sometimes for a period of years. The asset manager of the Alternative Investment may limit or restrict opportunities for redemption, including declining to redeem all or a portion of an Alternative Investment and/or may impose an early redemption fee based on a percentage of the Alternative Investment’s net asset value. Further, there may be restrictions on transferring interests in the Alternative Investment. Investing Limits. Depending on the Alternative Investment, your purchase amount may be limited by regulations and the Alternative Investment’s Offering Documents. These limits are determined, in part, by aggregating Alternative Investments you Multi-Year Transition Service Risks. Enrolling in the Multi-Year Transition Service gives rise to additional risks and limitations that would not otherwise exist if you did not use the Multi-Year Transition Service, including: By not promptly selling and reinvesting your Participating Assets at funding, your investment allocation, risk exposure (e.g., volatility) and account performance during the Transition Period will differ from your Target Portfolio. The delayed sale of such assets creates risks during the Transition Period of misalignment of your Account with the target PAGE 30 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com asset allocation as well as increased tracking error and volatility. adverse effect on investment performance and result in adverse tax consequences. There is no guarantee by participating in the Multi-Year Transition Service that you will benefit as anticipated from this service, including, but not limited to, the potential benefits of spreading capital gains over multiple tax years. Funding your Account with Participating Assets that are sold on a delayed basis through the Multi-Year Transition Service can result in your Account being invested in a concentrated number or type of securities during the Transition Period. If your Account is invested in a concentrated number of securities, a decline in the value of these securities would cause the value of your Account to decline to a greater degree than that of a less concentrated portfolio. The use of a Transition Period to transition assets to your Target Portfolio can result in your Account not receiving the benefit of rebalancing, tax loss harvesting, and/or other services set forth throughout the Brochure at the same time intervals that would have been effected if your Participating Assets had been sold and reinvested promptly after funding. By delaying the sale of Participating Assets through use of the Multi-Year Transition Service, Edward Jones will not be able to manage tracking error to the same extent that the sale of Participating Assets and prompt alignment with your Target Portfolio would permit. As a result, volatility in your Account can be higher than if the Transition Service was not used. Any tax benefits resulting from the Multi-Year Transition Service can be exceeded or outweighed by investment losses and/or missed gains (realized and unrealized) that result from a delayed move to your Target Portfolio. The timing of the sale of Participating Assets from your Account can be impacted by market conditions. In certain markets the growth of your portfolio can cause gains in excess of those in existence at the beginning of the Transition Period and therefore gains realized over the course of the Transition Period can exceed the total gains that existed at the beginning of the Transition Period or the total gains anticipated at the beginning of the Transition Period. For example, if the price of one or more Participating Assets increases, particularly those already at outsized positions relative to the target asset allocation for your Account and/or at the outset of the Transition Period, the gains realized will likely exceed your gains that were present at the outset of the transition. Conversely, declines in the price of one or more Participating Assets can result in the sale of the Participating Assets in less time than originally planned (e.g., over fewer tax periods than intended). Changes to your Target Portfolio, withdrawals you make from your Account, market movement, changes to your Account Portfolio Objective, and/or depositing new securities into your Account, amongst other things, can impact the ability of the Multi-Year Transition Service to transition your assets in alignment with your initial Transition Plan and can require a reassessment of your Transition Plan to determine feasibility of transitioning the remaining assets. In the event you seek to withdraw funds from your Account during the Transition Period, depending on the size of the withdrawal, capital gains can be realized to a degree that reduces the ability to spread capital gains over multiple tax years. The methods, processes, quantitative tools, and algorithms used by Edward Jones to perform the Multi-Year Transition Service can perform differently than expected due to errors, flaws, or being incomplete if such issues are not identified. This can have an Reserve Line Risk. Our financial advisors provide information and education regarding the availability of the Reserve Line. However, you decide whether to take Reserve Line Advances and you decide when and how to pay back any such advances. There are certain risks and conflicts of interest that arise when you take a Reserve Line Advance, including (i) the interest rate charged by the Lender in connection with the Reserve Line Advance may be higher than those charged by other lenders for financing and is in addition to the IAP Fee; (ii) the Lender is permitted to modify its collateral maintenance requirements at any time and without providing advance written notice to you; (iii) the Lender may require additional collateral or that you repay all or a portion of a Reserve Line Advance if there is a decline in the market value of the securities in the Account that was pledged as collateral for the Obligations under the Reserve Line; (iv) the Lender can instruct us to liquidate any and all of the securities in your pledged Account to satisfy a Maintenance Call without notice to you (even if the Lender has already notified you and provided a date by which you can meet a Maintenance Call); (v) you are not entitled to an extension of time on a Maintenance Call; (vi) to satisfy a Maintenance Call, the Lender may instruct us to liquidate any or all of the securities in a pledged Account that we would otherwise not recommend you sell and that may not otherwise be in your best interest to sell; (vii) liquidation of securities to satisfy a Maintenance Call could result in your Account being out of alignment with your Account Portfolio Objective and result in other securities being sold to bring your Account back into alignment with your portfolio objective; (viii) the liquidation of securities to satisfy a Maintenance Call could have adverse tax consequences to you; (ix) you are not entitled to select which securities in a pledged Account are liquidated to satisfy a Maintenance Call and the Lender can instruct us to liquidate securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences; (x) depending on market conditions, the prices obtained for the liquidated securities may be less than favorable and may be less than the value that we or you believe the securities are worth and may negatively impact the performance of your Account and interrupt your investment strategy; (xi) the timing of securities sales in connection with a Maintenance Call will be different than if those securities were not used as collateral in connection with the Reserve Line; (xii) a situation could arise where the value of your Account is zero and you still owe money on a Reserve Line Advance; (xiii) we will act as a broker dealer, and not as an investment adviser, in connection with a Maintenance Call (and our lending affiliate will act as a lender), which may be in conflict with your best interest PAGE 31 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com and our role as an investment adviser to your Account; (xiv) you will still be responsible for any deficiency if the value of the assets liquidated is insufficient to satisfy your obligations to the Lender under the Reserve Line; and (xv) adverse impacts to the maintenance ratios for pledged collateral if your portfolio changes due to a change in Strategy or holdings. Please see the Reserve Line Agreement for a discussion of risks related to utilizing the Reserve Line. Any action taken by us in connection with a Maintenance Call will not constitute a breach of our fiduciary duties as an investment adviser. Harvestable Security will settle at a loss. Factors, including but not limited to, market volatility and/or movement or an adjusted cost basis at trade settlement, can result in the Harvestable Security settling at no loss or at a gain to you. Losses carried forward from a tax year come with the possibility that they may not be used efficiently or at all in future years, thereby decreasing or eliminating the value of the TLH service with respect to such carried forward losses. Edward Jones is not providing tax advice by offering the TLH service and assumes no responsibility for any tax consequences associated with the TLH service. The client’s use of Edward Jones’ TLH service is subject to current tax provisions. These provisions are complex, and interpretation and enforceability thereof may change and render the TLH service ineffective and may pose additional unforeseen risks to the client. It is important to note that consequences of enrolling in the TLH service are complex, uncertain and may be challenged by the IRS or any other tax authority resulting in adverse tax consequences. In addition, there may be potential tax considerations and consequences relating to state or local tax, federal tax rules applicable to entities, estate taxes, or gift taxes implicated when utilizing the TLH service. For these reasons, you should discuss such risks and responsibilities with your tax and/or legal professional(s) before electing the TLH service. Suitability. The TLH service may not be suitable or desirable for all clients, and each client must determine whether use of the TLH service is appropriate after considering all pertinent factors, including but not limited to, the client’s current and future tax profile, investment activity and objectives, the number and type of investment accounts, planned future activity such as anticipated withdrawals, holding periods, state of residence, and personal circumstances. Clients maintain the sole responsibility for determining the appropriateness and benefit of the TLH service notwithstanding any advice or guidance from Edward Jones or its financial advisors. As noted above, there is no guarantee that the TLH service will reduce, defer, or eliminate taxes. Margin Risk. Our financial advisors provide information and education regarding the availability of margin loans. However, you decide whether to borrow money from us and you decide when and how to pay back any loans. There are certain risks and conflicts of interest that arise when we make margin loans in our role as lender and broker-dealer rather than investment adviser, including (i) the interest rate charged in connection with your loan may be higher than those charged by other lenders and is in addition to the IAP Fee; (ii) we may require additional collateral if there is a decline in the market value of the securities that secure your margin loan; (iii) we can sell any securities in your Account to satisfy a margin call without notice to you; (iv) we may be required to liquidate securities we would otherwise not recommend you sell, and which may not otherwise be in your best interests to sell, to satisfy a margin call; (v) you are not entitled to select which securities are liquidated to satisfy a margin call and we can sell securities that you wish to retain or that have a low tax basis without regard to your wishes or any adverse tax consequences of a sale; (vi) depending on market conditions, the prices obtained for the securities may be less than favorable and may be less than the value that we or you believe the securities are worth; (vii) the timing of securities sales in connection with a margin call will be different than if those securities were not used as collateral in connection with a margin loan, and may negatively impact the performance of your Account and interrupt your investment strategy; (viii) a situation could arise where the value of your Account is zero and you still owe money on a loan; (ix) adverse impacts to the maintenance ratios for pledged collateral if your portfolio changes due to a change in Strategy or holdings; and (x) with respect to the margin loan and collateral, we will act in the capacity of a lender and may take the actions described above, which may be in conflict with your best interest and our role as an investment adviser to your Account. Any action taken by us against the securities in your Account pursuant to the use of margin will not constitute a breach of our fiduciary duties as an investment adviser. Tax-Loss Harvesting Risks. Tax-loss harvesting involves unique risks and, if this service is available for your selected Strategy to add to your Account, you should carefully consider whether such risks are right for your individual situation before participating in the TLH service. Some material risks of participating in the TLH service include, but are not limited to, the following: Wash Sales Limitations. Pursuant to the Wash Sales rule, a taxpayer cannot deduct any loss on the sale or other disposition of an investment if the taxpayer (or a related party) acquires a substantially identical security (“Wash Sale”) within a 30-day period before and 30-day period after the date of such sale (“Wash Sale Period”). If a Wash Sale occurs on the sale of a loss security, the loss is deferred such that the client cannot currently use the loss to offset gains or in certain cases reduce taxable income. If you acquire substantially identical replacement shares, the loss would be deferred or, in some cases, disallowed entirely. Specifically, a taxpayer cannot avoid the Wash Sales rule by selling an investment at a loss in a taxable Account and then buying it back in a tax-advantaged Account. Also, the IRS takes the position that a security sold by one spouse at a loss and purchased within the Wash Sale Period by the other spouse is a Wash Sale. Edward Jones will typically sell the Replacement Security, and then reinvest proceeds from the Replacement Security back into Taxes. There is no guarantee that the TLH service will reduce, defer or eliminate your tax liability in any given tax year. Furthermore, there is no guarantee that an investment sold as a PAGE 32 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com client to satisfy certain holding period requirements with respect to the underlying security. ESG Dilution. If you have selected mutual funds and ETFs that use ESG or values-based strategies, electing the TLH service may cause those ESG holdings to be diluted or sold. the Account in accordance with the client’s selected Account Portfolio Objective after a 31-day period. However, Edward Jones cannot guarantee that Wash Sales will not occur in a client’s Eligible TLH Account(s). For example, if securities need to be sold during the Wash Sale Period to provide funds for a withdrawal, those sales will take place even if they will result in a Wash Sale. Similarly, any sales or purchases of the Harvestable Security during the Wash Sale Period (for example, in connection with a rebalancing event or a dividend reinvestment) may also cause a Wash Sale. Both scenarios affect whether a loss that is harvested in the Eligible TLH Account will benefit the client. Any deposits, including interest, received in the client’s Account during the Wash Sale Period will be invested into the Account’s eligible investments in accordance with the client’s selected Account Portfolio Objective. Overlay Management Tax-Efficient Management Risk. When managing taxable Accounts in a tax-efficient manner, Edward Jones relies on various assumptions about the tax posture of a typical investor. Those assumptions may not correspond to your actual situation. In addition, Edward Jones only considers securities held in your Account (independently of other accounts). Securities outside of your Account will not be considered, including securities held in other IAP Accounts. You are responsible for monitoring all accounts under your (and your spouse’s) control, held at or outside of Edward Jones, to ensure that transactions in your Account do not create a Wash Sale. Edward Jones will not monitor for Wash Sales across a client’s Eligible TLH Accounts, non-Eligible TLH Accounts, in other investment advisory or brokerage accounts held at Edward Jones or another financial institution. It is the client’s sole responsibility to monitor and report Wash Sales in accordance with current tax provisions across all accounts held at Edward Jones and other financial institutions. A Wash Sale may occur if you and/or your spouse buy (directly or indirectly through any account under the control of you and/or your spouse) any security (or a substantially identical security) within 30 days before or after Edward Jones sells that same security. In that case, the loss may be deferred or disallowed. Edward Jones does not provide any assurances that Wash Sales will not occur. In some cases, Edward Jones may execute a trade for non-tax reasons that will generate a Wash Sale when it deems this in the best interest of the client. You are responsible for identifying and reporting any Wash Sales properly on your tax return. For more information on the Wash Sale rules, please read Internal Revenue Service (“IRS”) Publication 550 and consult your tax professional. In addition, state and local tax laws may differ from federal law in material ways. There is limited guidance governing whether an ETF is “substantially identical” to another ETF, or whether a mutual fund is “substantially identical” to another mutual fund for purposes of the Wash Sales rule. Accordingly, there can be no assurance regarding how the IRS would view the exchange of one fund for another. Ultimately, it is your responsibility to accurately report on your tax return your capital gains and losses realized during the year and Wash Sales occurring across all accounts held at Edward Jones and other financial institutions. The effectiveness of tax-efficient management, including through such methods as tax-loss harvesting, in reducing your overall tax liability will depend on your entire tax and investment profile. Consult your tax professional regarding your situation, your requirements to the IRS or any other taxing authority, along with any potential tax consequences. Edward Jones assumes no responsibility for the tax consequences of any transaction, including any capital gains and/or Wash Sales that may result. For more information about tax-efficient management, including tax-loss harvesting, see the Edward Jones Overlay Management Services Form ADV brochure available at www.edwardjones.com/ advisory-prospectus/brochures.html. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyber-attacks. Despite such protections, systems, networks and devices potentially can be breached. Cyber-attacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs Trading and Performance. When we identify a Harvestable Security for sale pursuant to the TLH service, we expect the Replacement Security to have similar performance and risk exposure as the Harvestable Security. However, a Replacement Security can vary in performance and risk exposure from the Harvestable Security. As a result, we cannot make any guarantees regarding the actual performance of the Replacement Security or its impact on your portfolio for a given Strategy. For example, a new ETF (Replacement Security) may perform better or worse than the original ETF (Harvestable Security) that was sold for tax-loss harvesting purposes. Additionally, use of the TLH service will likely result in more frequent trading and the Replacement Security may have higher internal management fees and ongoing expenses. Accordingly, the risk and return of any Replacement Security cannot be guaranteed and may result in additional losses. In limited instances, due to market movement, the security identified to be sold for a loss will be sold at a gain. The sale of a Replacement Security with a capital gain will result in either a reduction of the capital loss from the sale of the Harvestable Security or, in certain circumstances, a net capital gain. The use of the TLH service may also cause certain dividends that would otherwise qualify for the reduced rates on qualified dividend income to not qualify due to a failure by the PAGE 33 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com and additional compliance costs, as well as the inadvertent release of confidential information. you delegate proxy authority to Edward Jones. For more information, you can receive a copy of proxy-related materials, Edward Jones’ proxy voting policy and procedures, voting guidelines and/or proxy voting record by submitting a written request to: Edward Jones, Attention: Investment Advisory,12555 Manchester Road, St. Louis, MO 63131. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your Account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your Account’s performance and cause losses. If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. Benefit Plan Accounts, for which we will not vote proxies, and those clients who wish to retain their right to vote proxies will then continue to receive all materials and notices from Edward Jones or the applicable mutual fund company or issuer and will be responsible for voting on the issues that the companies raise. We will not provide recommendations or advice on how to vote on these issues. Tailoring Advisory Services to Clients See Item 4 above for a description of how we tailor our advisory services to you and how you can impose reasonable restrictions on investing in certain securities or types of securities. Wrap Fee Programs We act as the wrap fee program sponsor for all Accounts and Strategies. We are also the portfolio manager for the Managed Solutions Strategy. Your financial advisor (and Edward Jones as needed) is the portfolio manager for FA Managed. We receive the IAP Fee as described in Item 4. We also act as an investment adviser in other advisory programs for which we provide different services. Additional information is available at www.edwardjones. com/advisorybrochures. Legal Notices Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any eligible investments or other assets held in your Account (including shares of the Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, bankruptcy, and/or class action lawsuit other than the Class Action Claim Filing service described in this Brochure. However, Edward Jones will promptly forward any such documents to you, or if you are enrolled in the Class Action Claim Filing service, Edward Jones will execute such service as described in this Brochure. Item 7: Client Information Provided to Portfolio Managers Client information provided to Edward Jones, a portfolio manager in IAP, will be maintained in accordance with our privacy policies. Over time, your financial goals and objectives may change. Accordingly, you and your financial advisor must perform an annual review, as set forth in Item 9B below. Voting Client Securities All Strategies (Client Directed, FA Managed, Managed Solutions, and Custom Managed Solutions). As a registered investment adviser, Edward Jones may vote proxies for clients in accordance with applicable law and has a fiduciary duty to vote those proxies in a timely and uniform manner and in our clients’ best interests, even if our clients’ best interest is in conflict with our interests. Edward Jones votes eligible investment proxies (except SEP and SIMPLE IRAs, traditional IRAs linked to SEP IRAs and Benefit Plan Accounts as applicable) unless the client specifically retains the right to vote proxies. If you transfer non-eligible investments to open or fund an Account, Edward Jones may also vote proxies for those securities if the date of record occurs before the securities are liquidated. Additionally, if utilizing SMAs in a Managed Solutions or Custom Managed Solutions Strategy, we will provide client information to Executing SMA Managers who are authorized to execute transactions to the extent necessary for the Executing SMA Managers to manage the Account (or any portion thereof). This includes providing updated investment objective information to the applicable Executing SMA Manager(s). Edward Jones does not provide client information to Unaffiliated Managers who are not authorized to execute transactions for the Account. Similarly, Edward Jones does not provide client information to a transfer agent or asset manager of an Alternative Investment who have not been selected, reviewed, and approved for inclusion in IAP. When you invest in one of these Strategies, you delegate the right to vote on these securities to Edward Jones and cannot direct or recommend how we will vote. By delegating proxy authority, you also authorize us to receive all proxy-related materials, annual and semi-annual reports, and other shareholder materials, including corporate actions, arising from any eligible investments or other securities in the Account. Item 8: Client Contact with Portfolio Managers You may contact your Edward Jones financial advisor, or as applicable, Portfolio Strategy representative during normal business hours with questions regarding your Account and selected Strategies, including questions regarding an SMA or Alternative Investment. You cannot directly contact the SMA Managers, unaffiliated mutual funds, ETFs, the subadvisers of the Edward Jones has hired an independent third-party proxy voting service to assist us in evaluating and voting proxies in a way that follows our adopted policies and guidelines. We have established policies and procedures that are intended to ensure that proxies are voted in a manner that is consistent with our clients’ best interest. Further, certain independent shareholder rights available to you as an individual may not be exercised or effectuated when PAGE 34 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com affiliated mutual funds, or the asset manager or transfer agent of an Alternative Investment. If you have a complex or non-routine question, Edward Jones will communicate with these third-party providers. Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. §1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for you and other clients outside of IAP, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), PAGE 35 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in IAP and other Edward Jones programs. For additional information about this arrangement, please see Item 4. the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families or sub-advisers that also provide products or services or are available as eligible investments in IAP. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when selecting eligible investments and/or sub-advisers. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Similarly, no affiliated investment adviser considers such business relationships or revenue sharing in recommending to the board of trustees of any affiliated mutual fund that a sub-adviser be selected to manage the affiliated mutual funds. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner with you and all of our clients For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing on assets held in IAP Accounts. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in IAP. • Place your and all of our clients’ interests first • Conduct personal trading in compliance with our Code of The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them • Comply with all applicable rules, regulations and laws Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. • Do not use any material nonpublic information they may receive as a result of their employment with Edward Jones Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the affiliated mutual funds. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s Accounts or changes to the eligible investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of PAGE 36 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com the Edward Jones Code of Ethics from your financial advisor. period, including all transactions, contributions, withdrawals, fees and the value of your Account at the beginning and end of the period. Our review does not substitute for your own continued review and monitoring of your Account and performance of your investments. You should review performance reports and trade confirmations (as applicable), Account statements, and other information we provide to you. Current and timely information about your Account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. As a broker-dealer, there may be times when Edward Jones will buy, sell or recommend that our brokerage clients who are not participating in IAP buy securities that are also eligible investments in IAP. These brokerage activities are done in the regular course of our business as a broker-dealer and are separate from our investment advisory services. There are times when we act as principal, which means we participate in client transactions by buying securities for our own inventory and selling those securities to our clients. To the extent conflicts arise under such transactions, Edward Jones is nevertheless obligated to execute any such transaction in the manner it believes is in the client’s best interest. At least annually, you and your financial advisor should discuss any changes to your financial situation, including, but not limited to, your risk tolerance, Account Portfolio Objective, Goal Portfolio Objective (if applicable), and whether you would like to impose any reasonable investment restrictions on your Account. If you decide to pursue a different Account Portfolio Objective, your Account will be reviewed for realignment to match your new Account Portfolio Objective. If utilizing SMAs, the review will help determine if your Asset Allocation Category and/or eligible investment weightings and/or SMA Manager selections need to be modified. You should know that financial advisors, Edward Jones associates (including those directly involved with IAP) and/or their family members are permitted to and do invest in IAP. This practice could create a conflict of interest if associates placing trades for their own Accounts were to place a trade before our clients and receive a better price on a security. To address this potential conflict, trades for financial advisors, Edward Jones associates (including those directly involved with IAP) and/or their family members are aggregated along with other trades, which may include trades for your Account. For the Client Directed Strategy, you will need to work with your financial advisor to determine what adjustments are needed to bring your Account back into alignment. In the event that you do not provide instructions to bring your Account back into alignment within a time period determined by Edward Jones, your Account will be removed from IAP. Edward Jones has internal supervisory reviews and procedures to review Accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal Accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. Review of Accounts At the time your Account is opened, Edward Jones’ supervisory associates will review your selected Account Portfolio Objective to confirm it is appropriate based on considerations such as your net worth, risk tolerance, time horizon and/or Goal Portfolio Objective (if applicable). The funding of your Account will also be reviewed. If you have sold investments purchased at Edward Jones in order to fund the Account, the holding period of those investments will be reviewed for appropriateness. Supervisory personnel may also call you directly to discuss your understanding of IAP, including the fees and expenses you are or will be paying. Client Referrals and Other Compensation From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the IAP Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. While you are invested in IAP, we provide ongoing monitoring, including an annual review. The Asset Allocation Category and eligible investment weightings established for your Account Portfolio Objective are monitored and reviewed to determine realignment needs according to Edward Jones’ guidelines. You will receive a written Account statement at least quarterly (monthly in months in which activity occurs in your Account) containing a description of all activity in your Account during the In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor PAGE 37 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non- cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Certain unaffiliated mutual fund companies, ETF sponsors, Alternative Investment asset managers, and/or SMA Managers on the list of eligible investments (or their investment advisers) pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any SMA Manager, ETF, mutual fund, Alternative Investment, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion on the list of eligible investments or the selection of a sub-adviser for affiliated mutual funds. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing which eligible investments to suggest to you. Financial Information This section does not apply to Edward Jones. Item 10: Requirements for State-Registered Advisers This section does not apply to Edward Jones. PAGE 38 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund and Mutual Funds For any Account investing in the Money Market Fund, Edward Jones or an affiliate will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such Account. Edward Jones Money Market Fund. Your Account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s Account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. Bridge Builder Mutual Funds. Your Account may from time to time be invested in shares of the Bridge Builder Mutual Funds (“Bridge Builder Funds”), which are also advised by Olive Street, an affiliate of Edward Jones. Bridge Builder Funds are sub-advised by multiple sub-advisers that are unaffiliated with us. If your Account invests in a Bridge Builder Fund, Olive Street charges the fund a management fee which the fund pays directly to the fund’s sub-advisers. Olive Street has entered into an agreement with each Bridge Builder Fund to waive its management fees to the extent management fees charged by Olive Street exceed the management fees the fund is required to pay a fund’s sub-advisers (i.e., as a result of its waivers, Olive Street does not receive any management fees from a fund). The waiver agreement can only be terminated as described in the fund’s registration statement. Please review the current summary prospectus for each of the relevant Bridge Builder Funds, which describes the investment characteristics of the fund, risks of the fund, and the fees charged by Olive Street to the fund. Certain Bridge Builder Funds are only available in taxable Accounts. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the Accounts that our clients maintain in the Money Market Fund. PAGE 39 OF 39 IAS-19127A-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.

Edward Jones Overlay Management Services Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This advisory services brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we,” “our,” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo. sec.gov. Page 1 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes This filing represents the annual review of the Overlay Management Services. As part of this review, only non-material enhancements were made throughout the Brochure. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Advisory Business .................................................................................................................. 3 Item 5: Fees and Compensation ........................................................................................................ 5 Item 6: Performance-Based Fees and Side-by-Side Management ................................................. 5 Item 7: Types of Clients ....................................................................................................................... 5 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .......................................... 5 Item 9: Disciplinary Information ......................................................................................................... 7 Item 10: Other Financial Industry Activities and Affiliations ........................................................... 8 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...... 9 Item 12: Brokerage Practices ............................................................................................................. 9 Item 13: Review of Accounts .............................................................................................................. 9 Item 14: Client Referrals and Other Compensation .......................................................................... 9 Item 15: Custody .................................................................................................................................10 Item 16: Investment Discretion ..........................................................................................................10 Item 17: Voting Client Securities .......................................................................................................10 Item 18: Financial Information ...........................................................................................................10 Item 19: Requirements for State-Registered Advisers ...................................................................10 Page 2 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Business Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about the Edward Jones Overlay Management Services, a discretionary overlay portfolio management service that Edward Jones provides exclusively to its qualifying advisory programs (overall referred to as the “Overlay Management Services”). When providing the Overlay Management Services, Edward Jones is acting in the capacity of an overlay manager. As described above, the Overlay Management Services are provided on a discretionary basis to the Advisory Program Sponsors. For the Edward Jones Advisory Programs and our Other Advisory Programs collectively, as of December 31, 2025, Edward Jones managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets. In general, the Overlay Management Services include, but are not limited to, portfolio implementation and construction, time and price discretion, rebalancing your account, tax management and multi-year transition services and implementing reasonable restrictions imposed by you, which are designed to meet the specific portfolio management needs of clients. Overlay Management Services. Edward Jones has investment and trading discretion over your account when providing the Overlay Management Services to you. The discretionary investment and trading authority you give to Edward Jones to manage your assets on a discretionary basis by buying and selling investments for your account whenever deemed appropriate and without your approval of each transaction, includes, but is not limited to: • Implementing instructions by SMA Managers; • Placing orders for the purchase and/or sale of securities in accordance with the model portfolio recommendations of the SMA Managers and/or communicating the orders for the purchase and/or sale of securities through Edward Jones’ broker-dealer or other broker-dealers (please note: a taxable account funded with securities will result in purchase and/or sale orders in your account which may have tax consequences); The Overlay Management Services are provided to and sponsored by the wrap-fee advisory programs of Edward Jones Advisory Solutions® Unified Managed Account (“UMA”) Models (the “Edward Jones UMA Program”) and Edward Jones Investment Advisory Program (“IAP”) (collectively, the “Advisory Program Sponsors”). If you decide to invest in the Edward Jones UMA Program or IAP, your advisory relationship does not begin until (a) Edward Jones accepts and approves the written Client Services Agreement (“CSA”) with you, which occurs on the date of the approval of Edward Jones, and (b) funding of the account at the initial minimum investment as determined by Edward Jones. For more information on the Edward Jones UMA Program or IAP, including the investment strategies and services offered through these advisory programs, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures. • Aggregate orders for the purchase and/or sale of securities; • Placing orders for the purchase, sale or redemption of shares of mutual funds and/or ETFs in accordance with the parameters set by Advisory Program Sponsors or as instructed by you; • Rebalancing one or more Asset Allocation Categories (i.e., The Advisory Program Sponsors determine what investments are available for investing purposes in their respective advisory programs (the “Program Eligible Investments”), as well as what investment strategies or models are available to clients to establish within their accounts. The Overlay Management Services will implement the model you have selected, which includes implementing the investment recommendations provided by separately managed accounts (“SMA”) managers (“SMA Managers”) through a model portfolio. When providing the Overlay Management Services to you, Edward Jones has discretion to invest in investments that are not otherwise available through Edward Jones’ broker-dealer. Program Eligible Investments that Edward Jones has categorized by investment style) or Program Eligible Investments within your account back toward their respective targets if, pursuant to parameters determined in the sole discretion of Edward Jones, the weighting of the Asset Allocation Category or Program Eligible Investment has deviated too far from its target; • Adding and removing an Asset Allocation Category pursuant to investment guidelines set by the Advisory Program Sponsors, which could result in the purchase of Program Eligible Investments to fill the newly added Asset Allocation Category, or sale of a Program Eligible Investment to support the removal of an Asset Allocation Category; • Monitoring and maintaining the required cash thresholds set by Edward Jones offers other investment advisory services (“Other Advisory Programs”), as well as separate brokerage services. Such Other Advisory Programs, or brokerage services, are not described in this brochure. Certain programs or offerings are only available through select financial advisors. To learn more about these Other Advisory Programs offered by us, please ask your financial advisor or go to www.edwardjones.com/ advisorybrochures to review the brochures for the available advisory programs. each selected SMA strategy in your account. If your cash Page 3 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com balance goes above the threshold for one of your SMA strategies, we will apply the excess cash into the investments held within the SMA strategy. harvesting that takes place, depending on market conditions, as certain strategies may afford greater opportunities to tax loss harvest than others. Additionally, clients should understand that tax loss harvesting can adversely affect the investment strategy’s performance and increase its volatility. A tax-managed strategy may cause a client portfolio to hold a security in order to achieve more favorable tax treatment or to sell a security in order to create tax losses, either of which may result in performance that is less favorable than what might otherwise have been achieved, either on a pre-tax or post-tax basis. • Managing your taxable account in a tax-efficient manner with the objective to minimize your realized gain and maximize realized losses while maintaining the desired investment allocation. Tax-efficient management of your taxable account may conflict with model portfolio recommendations or trade instructions from an SMA Manager; in these instances, tax-efficient management may take precedence over the model portfolio recommendations of an SMA Manager. • Implementing any reasonable restrictions that you have placed on the purchase of certain equity securities or category of equity securities; and There is no guarantee that any harvesting technique employed by Edward Jones will achieve any particular tax result. The tax consequences of tax loss harvesting can be difficult to determine in real time and may be challenged after the fact by applicable tax authorities. Clients should consult tax advisors regarding potential tax consequences and the risks of tax loss harvesting, as Edward Jones does not provide tax advice. Edward Jones will not be responsible for the tax consequences, including tax liability for gains or penalties, of any transactions. • For clients enrolled in the Multi-Year Transition Service (as described below), adjusting target portfolio allocations over time with the goal of minimizing your realized gains while transitioning to your stated investment targets. It may not be possible to achieve or maintain the desired investment allocation during the Transition Period. Edward Jones generally does not offer tax loss harvesting services for taxable fixed income strategies or securities. However, a client’s tax loss harvest request for fixed income accounts or securities will be evaluated by Edward Jones on a case-by-case basis. Edward Jones is solely responsible for the selection of the overlay manager for the Advisory Program Sponsors. We reserve the right at any time and in our sole discretion to change to an overlay manager that is an unaffiliated investment manager or an affiliated investment manager. Tax Loss Harvesting Process. When providing tax loss harvesting services on an as-requested or scheduled basis, Edward Jones uses quantitative tools to consider the potential tax benefit generated for clients as well as the potential performance impact of this activity on the portfolio. Multi-Year Transition Service. The Multi-Year Transition Service is intended for clients seeking to fund their taxable Custom Model UMA account with assets from an existing account inside or outside of Edward Jones or, alternatively, seeking to transition from one portfolio to another within their existing taxable Advisory Solutions UMA Models account. The Multi-Year Transition Service allows the client to work with their Edward Jones financial advisor to establish a timeline for transitioning the sale of Eligible Investments over consecutive tax years (the “Transition Period”) while moving to their target portfolio allocation over the Transition Period. To effect tax loss harvesting, Edward Jones will sell investments from a client’s model to realize a loss and invest the proceeds in a substitute investment that represents the appropriate market exposure, rather than leaving those proceeds in cash. The subsequent sale of a substitute investment after the wash sale period has elapsed may itself result in a gain or loss, and such gain or loss may be a short-term one. The potentially weaker performance of a substitute investment could offset the potential tax benefit of tax loss harvesting. Tax Loss Harvesting. Edward Jones offers tax loss harvesting services in taxable client accounts of an Advisory Program Sponsor, either on an as-requested or scheduled basis. Tax loss harvesting involves effecting transactions in a taxable account to achieve tax benefits for the client. Tax loss harvesting is designed to seek to lower a client’s taxes while also seeking to generally maintain the expected risk and return profile of an investment strategy or index, in the case of direct indexing. Clients should be aware that past performance is no guarantee of future results and that there is no guarantee that substitute investments will perform like the loss harvested positions they are intended to replace. The performance of the substitute investments, therefore, may be better or worse than the investments that were sold. Substitute investments may also cause clients to incur additional fees that would not have been incurred through investments that were sold. Whenever providing tax loss harvesting services on an as- requested or scheduled basis, Edward Jones will make reasonable efforts to accomplish tax loss harvesting within stated guidelines, which are described further below. Clients should be aware that events such as market changes or cash flows into or out of the account could increase or decrease the amounts of losses that are realized from the client’s portfolio at any time. Clients should also know that the strategies they have selected will affect the amount and nature of tax loss Wash Sales; No Coordination with Other Accounts; Tax Risks: Clients should be aware that, although Edward Jones will make reasonable efforts to avoid wash sales, Edward Jones cannot guarantee that wash sales will not occur during tax loss harvesting activity. The wash sale rule disqualifies the realization of a loss from selling a security if a “substantially identical” security is purchased 30 days before or after the sale. There is limited guidance regarding what causes a security to be Page 4 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 7: Types of Clients The Overlay Management Services are exclusively available to and provided to the clients of the Advisory Program Sponsors. The advisory programs of the Advisory Program Sponsors are generally available only to residents of the United States and certain U.S. territories. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss “substantially identical” to another security. Therefore, there can be no assurance of how the IRS or a state or local tax authority would view the selection of a particular substitute investment. In some cases, Edward Jones could execute a trade that generates a wash sale when it believes that doing so is otherwise in the best interest of the client. Clients should be aware that the wash sale rule applies not only to transactions in the same account, but to transactions across different accounts of the taxpayer and potentially also accounts of a taxpayer’s spouse and household. Edward Jones is not able to coordinate tax harvesting with, or to monitor for potential wash sale rule violations in connection with, any other of the taxpayer’s or the taxpayer’s spouse’s accounts, or other associated household accounts, under Edward Jones’ management, accounts with the same sponsor managed by other advisers or with any other accounts. Furthermore, since tax laws are subject to change, future tax liabilities could increase and therefore tax loss harvesting might not result in the anticipated benefits. Finally, there is no guarantee that the IRS or a state or local tax authority will not limit and/or prohibit recognition of realized losses. The effectiveness of a tax loss harvesting strategy is largely dependent on each client’s entire tax and investment profile, including, as noted, investments made outside of Edward Jones’ advisory services. As such, there is a risk that the strategy used to reduce the tax liability of the client is not the most effective for every client. The Advisory Program Sponsors are responsible for the design of or selection of the investment portfolios, investment strategies and Program Eligible Investments in their respective advisory programs, including the managers of affiliated SMAs, unaffiliated SMAs, affiliated mutual funds, unaffiliated mutual funds, and ETFs, that are made available for inclusion in a client account. Further, the Advisory Program Sponsors are responsible for the initial and ongoing due diligence performed on any Program Eligible Investment or any other component of advisory program services and offerings. For more information on the due diligence conducted in the Edward Jones UMA Program or IAP, you should review the brochures of the Advisory Program Sponsors to understand the due diligence process employed by each advisory program to understand how Program Eligible Investments, SMA Managers, or any other component of the advisory program services and offerings are selected and managed. You can ask your financial advisor or go to www.edwardjones.com/ advisorybrochures to receive copies of these brochures. Risk of Loss Item 5: Fees and Compensation Edward Jones does not charge any fees to the Advisory Program Sponsors for administration of the services described in this Brochure but reserves the right to do so in the future. All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money you invested. Past performance does not guarantee future results. While Edward Jones does not charge fees for the Overlay Management Services, Edward Jones receives compensation through the advisory fees assessed in the Advisory Program Sponsors. As a result, Edward Jones receives indirect compensation through the advisory fees charged to you in those advisory programs. Each Program Eligible Investment will also fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. You should consider the investment objectives, strategies, risks, fees and expenses, and past performance of each Program Eligible Investment before deciding to invest in such security. Set forth below are some of the material risk factors that are often associated with the general types of Program Eligible Investments available to you in your account through an Advisory Program Sponsor and will be managed by Edward Jones in its capacity as an overlay manager. Similarly, our financial advisors do not receive direct compensation for the Overlay Management Services, but they do receive a portion of the advisory fees collected through the Advisory Program Sponsors, though some financial advisors receive a salary in addition to, or in lieu of, the advisory fees collected. As a result, our financial advisors receive indirect compensation through the advisory fees charged to you in those advisory programs. Item 6: Performance-Based Fees and Side- by-Side Management Edward Jones and its supervised persons do not receive performance-based fees in connection with the services described in this Brochure. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks depending on its investments and investment strategy. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic Page 5 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. Mutual funds that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. The Fund prospectus and the other fund documents describe the risks specific to the fund. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). Share Classes. Unaffiliated mutual funds can have different share classes. While each share class invests in the same pool of investments and has the same investment objective, each has different internal fees and expenses. Mutual funds often permit the conversion of shares from one class to another, subject to certain conditions as determined by the mutual fund. Clients should not assume they will be invested in the share class with the lowest expense ratio. Fixed-Income Securities Risk. Fixed-income securities, such as bonds, are subject to credit risk and interest rate risk. Credit risk is the possibility that an issuer of an instrument will be unable to make interest payments or repay principal when due. Changes in the financial strength of an issuer or changes in the credit rating of a security may affect its value. Interest rate risk is the risk that interest rates may increase, which tends to reduce the resale value of certain fixed-income securities. Municipal Securities Risk. Municipal securities are subject to various risks based on factors such as economic and regulatory developments, changes or proposed changes in the federal and state tax structure, deregulation, court rulings and other factors. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generate taxes or revenues. There is a risk that the interest on an otherwise tax- exempt municipal security may be subject to federal income tax. Edward Jones generally attempts to select institutional and/or advisory share classes, when available. Institutional and/or advisory shares generally do not impose a sales charge or ongoing Rule 12b-1 fees and, as a result, are usually less expensive than Class A shares. Other share classes, including Class A, may be utilized when no institutional or advisory share classes are available. Class A shares are typically purchased in brokerage accounts and usually carry an upfront sales charge and ongoing Rule 12b-1 fees. If Class A shares are selected, the upfront sales charges are generally waived, but the Class A shares are still charged the ongoing Rule 12b-1 fees. If Edward Jones receives Rule 12b-1 fees for shares held in your account, we will credit the amount received to your account as a fee offset. Government Securities Risk. U.S. government securities are subject to interest rate and inflation risks. Not all U.S. government securities are backed by the full faith and credit of the U.S. government. Certain securities issued by agencies and instrumentalities of the U.S. government are only insured or guaranteed by the issuing agency or instrumentality, which must rely on its own resources to repay the debt. As a result, there is risk that these entities will default on a financial obligation. ETFs Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use ESG or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Each ETF’s prospectus and other fund documents describe the risks specific to the fund. Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand ESG and Sustainable Risks. Implementing an ESG or values- based investing approach, which helps align your portfolio with your personal values by excluding certain investments or targeting issues that are important to you, has potential risks and trade-offs. Such investments may value non-financial goals more than financial returns. Additionally, while segments of the market Page 6 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com or investments that engage in certain business practices can be excluded with an ESG or values-based investing approach, introducing such exclusions or focusing on a narrow area of the market can decrease your portfolio’s diversification and materially impact its risk and return. Companies also may not operate as expected or fail to meet the desired ESG or value-based characteristics over time. security. In that case, the loss may be deferred or disallowed. Edward Jones cannot and does not provide any assurances that wash sales will not occur. In some cases, we may execute a trade for non-tax reasons that will generate a wash sale when it deems this in the best interest of the client. You are responsible for identifying and reporting any wash sales properly on your tax return. For more information on the wash sale rules, please read Internal Revenue Service (“IRS”) Publication 550 and consult your tax professional. The effectiveness of tax-efficient offered by us for Program Eligible Investments we manage, including through such methods as tax loss harvesting, in reducing your overall tax liability will depend on your entire tax and investment profile. Consult your tax professional regarding your situation, your requirements to the IRS or any other taxing authority, along with any potential tax consequences. Edward Jones assumes no responsibility for the tax consequences of any transaction, including any capital gains and/or wash sales that may result. These matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Item 9: Disciplinary Information Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Allocation Risk: Investment performance depends on how the strategy’s assets are allocated. The allocation may not be optimal in every market condition. Investors could lose money on their investment in the strategy as a result of such allocation. Management Risk: A strategy used by an Advisory Program Sponsor, SMA Manager, or investment manager of an applicable Program Eligible Investment, such as a mutual fund or ETF, may fail to produce the intended result. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. Tax-Efficient Management Risk. In managing your taxable account in a tax-efficient manner, Edward Jones relies on various assumptions about the tax posture of a typical investor. Those assumptions may not correspond to your actual situation. In addition, we only consider securities held in your Advisory Program Sponsor account (independently of other accounts). Securities outside of your account will not be considered, including securities held in other Advisory Program Sponsor or Other Advisory Program accounts. You are responsible for monitoring all accounts under your (and your spouse’s) control, held at or outside of Edward Jones, to ensure that transactions in your account do not create a wash sale. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings A wash sale may occur if you and/or your spouse buy (directly or indirectly through any account under the control of you and/or your spouse) any security (or a substantially identical security) within 30 days before or after Edward Jones sells that same Page 7 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 10: Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, our affiliates and our financial advisors perform services for their clients in service offerings outside of the services described in the Brochure, including the execution of brokerage transactions (e.g., the purchase or sale of securities, insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S.§1- 301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry: Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer and is a member of FINRA. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Edward Jones Asset Management and other Edward Jones programs. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of Page 8 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com California, L.L.C., a California limited liability company. for your account. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so that the client receives the better price. Item 12: Brokerage Practices Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner at all times. • Conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them. • Comply with all applicable rules, regulations and laws. • Do not use any material nonpublic information they may Transactions resulting in your account from the Overlay Management Services will be completed by or through Edward Jones. Trading conducted by Edward Jones is done subject to our broker-dealer trading policies and practices. You cannot request Edward Jones to route your orders to be executed through any specific broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. For additional information on the trading practices followed by the Advisory Program Sponsors, please refer to each program’s respective brochure, which is available at edwardjones.com/advisorybrochures. receive as a result of their employment with Edward Jones. Item 13: Review of Accounts Edward Jones provides ongoing monitoring of your account as part of the Overlay Management Services for threshold rebalancing and tax management opportunities. For information on additional monitoring and reviews conducted on your Advisory Program Sponsor account, please refer to each program’s respective brochure, which is available at edwardjones.com/ advisorybrochures. Item 14: Client Referrals and Other Compensation Some Edward Jones associates are deemed “investment persons” under our Code of Ethics because they may have access to nonpublic information regarding Program Eligible Investments of an Advisory Program Sponsor. Under our Code of Ethics, investment persons must receive prior approval before acquiring a beneficial ownership interest in any security, and are subject to restrictions on their personal securities trading, including limitations on which securities can be purchased and the timing of transactions in certain securities. These restrictions, and supervision to ensure compliance with the restrictions, are designed to minimize and mitigate conflicts. Additionally, investment persons are required to submit to our Chief Compliance Officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the fee of an Edward Jones advisory program, which is dependent upon the referral or lead becoming a client in an Edward Jones advisory program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones advisory program, the third party has an incentive to recommend the prospect enroll You should know that financial advisors, Edward Jones associates and/or their family members may be clients of one or both advisory programs of an Advisory Program Sponsor and, as clients of one of both of these advisory programs, are permitted to and do invest in the Program Eligible Investments, including affiliated products offered by Edward Jones. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before clients and receive a better price on a security. To address this potential conflict, the trades for financial advisors, Edward Jones associates and/ or their family members from an Advisory Program Sponsor account are aggregated along with other trades, which may include trades Page 9 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com in an Edward Jones advisory program. fiduciary duty to vote those proxies in a timely manner and in our clients’ best interests, even if our clients’ best interest is in conflict with our interests. Edward Jones votes proxies in accordance with the parameters set by each Advisory Program Sponsor. You should review the disclosures on proxy voting in the CSA and program brochures for each Advisory Program Sponsor to understand how each program handles proxy voting. You can find links to this information at edwardjones.com/ advisorybrochures and edwardjones.com/advisoryagreements. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. From time to time, affiliates of Edward Jones makes and/or maintains investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones advisory program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones advisory program. Edward Jones has hired an independent third-party proxy voting service to assist us in evaluating and voting proxies in a way that follows our adopted policies and guidelines. We have established policies and procedures that are intended to ensure that proxies are voted in a manner that is consistent with our clients’ best interest. You further understand and acknowledge that certain independent shareholder rights available to you as an individual may not be exercised or effectuated when you delegate proxy authority to Edward Jones. For more information, you can receive a copy of proxy-related materials, Edward Jones’ proxy voting policy and procedures, voting guidelines and/or proxy voting record by submitting a written request to: Edward Jones, Attention: Investment Advisory,12555 Manchester Road, St. Louis, MO 63131. Certain ETF sponsors, which could be included as a Program Eligible Investment, pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion as a Program Eligible Investment. If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. Those clients who wish to, or per the applicable terms of the Advisory Program Sponsors respective advisory programs, retain their right to vote proxies will then continue to receive all materials and notices from Edward Jones or the applicable mutual fund company or issuer and will be responsible for voting on the issues that the companies raise. We will not provide recommendations or advice on how to vote on these issues. Item 15: Custody Item 18: Financial Information This section does not apply to Edward Jones. Item 19: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Edward Jones does not custody assets as part of the Overlay Management Services. However, if you invest in the advisory program of an Advisory Program Sponsor, the assets in your account(s) will be custodied by Edward Jones or the Edward Jones Trust Company, depending on the type of account(s). For more information on how we custody assets in the Advisory Program Sponsors respective advisory programs, please see Item 4: Services, Fees and Compensation of each program’s brochure for more information. Each Advisory Program Sponsor’s brochure is available at edwardjones.com/advisorybrochures. Item 16: Investment Discretion As discussed in Item 4: Advisory Business, Edward Jones has investment discretion when performing the Overlay Management Services. Please refer to this section for more information on the specific discretion you have granted to Edward Jones as the overlay manager. Item 17: Voting Client Securities As a registered investment adviser, Edward Jones may vote proxies for clients in accordance with applicable law and has a Page 10 of 10 IAS-20392A-A-E-PB. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Retirement Plan Services Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that have been made to this brochure since our previous annual filing on February 14, 2025. • On August 29, 2025 we updated the brochure to reflect a new minority investment an Edward Jones affiliate has made in Boon Business Solutions, Inc. d/b/a Aboon. For more information, please see Item 14: Client Referrals and Other Compensation. • We are updating the brochure to reflect that at Edward Jones’ discretion the Retirement Plan Services Fee may be expressed as either a fixed asset-based basis point fee or a flat dollar amount for plans with assets under care above $20 million. Please refer to Item 5: Fees and Compensation. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Advisory Business .................................................................................................................. 3 Item 5: Fees and Compensation ........................................................................................................ 7 Item 6: Performance-Based Fees and Side-by-Side Management ................................................. 9 Item 7: Types of Clients ....................................................................................................................... 9 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .......................................... 9 Item 9: Disciplinary Information .......................................................................................................10 Item 10: Other Financial Industry Activities and Affiliations .........................................................11 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...12 Item 12: Brokerage Practices ............................................................................................................13 Item 13: Review of Accounts .............................................................................................................13 Item 14: Client Referrals and Other Compensation .........................................................................13 Item 15: Custody .................................................................................................................................13 Item 16: Investment Discretion ..........................................................................................................13 Item 17: Voting Client Securities .......................................................................................................14 Item 18: Financial Information ...........................................................................................................14 Item 19: Requirements for State-Registered Advisers ...................................................................14 Page 2 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Business adviser (“Section 3(21) investment adviser”), an investment adviser or manager who provides services comparable to those provided by a Section 3(21) investment adviser (also referred to as a “Section 3(21) investment adviser”), or an ERISA Section 3(38) investment manager (“Section 3(38) investment manager”), as described in more detail below. In a Pooled Plan, the “Independent Investment Fiduciary” will be a Section 3(21) investment adviser. The Agreement includes our acknowledgment that Edward Jones is serving as a Section 3(21) non-discretionary investment adviser under ERISA when providing fiduciary services. Clients participating in Retirement Plan Services typically: • value recommendations from Edward Jones when selecting a Platform Provider; Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs, subject to program eligibility requirements. One such program is Edward Jones Retirement Plan Services (“Retirement Plan Services”). This brochure (“Brochure”) provides plan sponsors (the “Plan Sponsor”) of employee benefit plans (the “Plan”) subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), with information about Edward Jones, Retirement Plan Services, the fees charged for Retirement Plan Services (“Retirement Plan Services Fee”) and our business practices. The Plan Sponsor (or, to the extent the Plan Sponsor has delegated its investment authority to an investment committee, the committee) is also referred to as “Client,” “you” or “your.” Please review this Brochure carefully before you decide to participate in Retirement Plan Services. • value recommendations from Edward Jones when selecting Eligible Investment Options (defined below) offered by a Participant-Directed Plan or investments for a Pooled Plan and annual reviews of the same; • value educational services for the Plan; • value educational services for Client’s employees; and/or We offer our Retirement Plan Services to plans that allow participants to exercise independent control over the investment of their individual accounts (“Participant-Directed Plans”) and to other plans, such as defined benefit and defined contribution plans that do not allow participants to exercise control over plan investments (“Pooled Plans”). • are comfortable paying asset-based (percentage) fees for advisory services. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and have different fees and eligibility requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by Edward Jones, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Typically, Clients work directly with one Edward Jones financial advisor. However, certain Clients, such as large Plans with employees in multiple locations or Plans that are transitioning from one financial advisor to another, may work with more than one financial advisor in order to serve the needs of the Plan. In some situations, these Clients will receive fiduciary services from one financial advisor and non-fiduciary services (e.g., educational services) from one or more other Edward Jones financial advisors. Alternatively, these Clients could receive fiduciary and non- fiduciary services from more than one financial advisor. Regardless of the number of Edward Jones financial advisors providing services or the determined service arrangements, there is no impact or change to the fees paid by the Client for the services provided. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. Retirement Plan Services for Participant-Directed Plans Through Retirement Plan Services, Edward Jones offers the following services to Participant-Directed Plans: (1) recommending Platform Providers from a set list maintained by Edward Jones that may, for example, serve as custodian, record-keeper or otherwise provide services to you; (2) recommending Independent Investment Fiduciaries from a set list maintained by Edward Jones;(3) providing non-discretionary investment advice regarding Eligible Investment Options offered by the Participant-Directed Plan; (4) providing educational services to Client and Client’s employees; and (5) providing additional services to Client. The decision to participate in this program is yours. Before making this decision, you and your financial advisor should discuss whether this program is appropriate for your investment goals or needs. If you decide to participate in Retirement Plan Services, you will enter into a written Edward Jones Retirement Plan Services Agreement (the “Agreement”) between you, as the responsible plan fiduciary for the Plan, and us. In addition, you will appoint an Edward Jones-approved platform provider for the Plan (the “Platform Provider”) and Independent Investment Fiduciary (defined below). In a Participant-Directed Plan, the “Independent Investment Fiduciary” may be either an ERISA Section 3(21) investment Fiduciary Services for Participant-Directed Plans. When we recommend Platform Providers and provide non-discretionary investment advice regarding Eligible Investment Options offered by Page 3 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com a Participant-Directed Plan, we are acting as a fiduciary under Section 3(21) of ERISA (“Participant-Directed Fiduciary Services”). Platform Provider and Independent Investment Fiduciary Recommendations to Participant-Directed Plans. Edward Jones will assist you with your search for Platform Providers to provide custodial, investment and/or record-keeping services to the Plan. with your Independent Investment Fiduciary. Independent Investment Fiduciaries serving as Section 3(21) investment advisers also provide “automatic execution” or “automatic replacement services.” This means that if you agree to or otherwise accept the Independent Investment Fiduciary’s replacement recommendation, your Platform Provider will automatically implement the Independent Investment Fiduciary’s recommendation by removing the Uncovered Investment from your Plan Investments and replacing it with the recommended Eligible Investment Option. We will limit our recommendations to a select number of Edward Jones-approved Platform Providers that offer investment-related fiduciary services through an “Independent Investment Fiduciary” or the “Independent Investment Fiduciaries.” Your preference for an Independent Investment Fiduciary offering its services as either a Section 3(21) investment adviser or Section 3(38) investment manager will be a factor in our recommendation of Platform Providers since not all Platform Providers offer Independent Investment Fiduciaries who serve as both a Section 3(21) investment adviser and a Section 3(38) investment manager. If you choose to decline your Independent Investment Fiduciary’s replacement recommendation, you must work with your Edward Jones financial advisor to choose an alternate Eligible Investment Option. If the Uncovered Investment is not replaced within a period of time as determined and communicated by Edward Jones, Edward Jones may, in its sole discretion, provide notice of termination of the Retirement Plan Services Agreement and Edward Jones’ resignation as an Independent Investment Fiduciary to the Plan. Please refer to your agreement with your Independent Investment Fiduciary for details regarding its provision of automatic execution or automatic replacement services. For plans utilizing an Independent Investment Fiduciary serving as a Section 3(38) investment manager, your Independent Investment Fiduciary will be responsible for removing and replacing Plan Investments available in the Plan. From the investment options available to the Plan through the Platform Provider, your Independent Investment Fiduciary will develop a menu of investment options that it has found to be prudent for your Plan (“Eligible Investment Options”). Independent Investment Fiduciaries will then present these Eligible Investment Options for your consideration as the Plan Sponsor for inclusion in the Plan. Section 3(38) investment managers will select and maintain the investment options for the Plan. The Eligible Investment Options selected by you, as Plan Sponsor, or selected by your Section 3(38) investment manager become the investment options made available to the Plan (“Plan Investments”). Although Edward Jones will recommend Platform Providers and Independent Investment Fiduciaries, you will be responsible for selecting the Platform Provider and the Independent Investment Fiduciary. In order to participate in Retirement Plan Services, you must select and enter into separate contractual relationships with an Edward Jones- approved Platform Provider and Independent Investment Fiduciary. Non-Discretionary Investment Advice to Participant-Directed Plans. The Independent Investment Fiduciary will be responsible for the following: (1) the recommendation or selection of the Eligible Investment Options to be offered by or available to the Plan; (2) the ongoing monitoring and confirmation of the continued availability of such Eligible Investment Options; (3) the recommendation or direction to remove and replace Eligible Investment Options that do not meet the Independent Investment Fiduciary’s criteria; and (4) the addition, from time to time, of new Eligible Investment Options that meet the Independent Investment Fiduciary’s criteria. We also may provide you with names of third-party administrators (“TPAs”) reviewed by Edward Jones. However, Edward Jones’ assistance in your search for TPAs is for informational purposes only as described below under “Educational Services to Participant-Directed Plans.” Edward Jones will rely on the decisions made by Client (based on the recommendations of the Independent Investment Fiduciary) or decisions made by the Independent Investment Fiduciary, if serving as a Section 3(38) investment manager. Edward Jones will only provide advice regarding Eligible Investment Options. Subject to the foregoing, Edward Jones will provide non-discretionary investment advice to Client regarding the Eligible Investment Options to be offered by the Plan, including advice regarding the selection of Plan Investments, in order to provide a broad range of investment alternatives consistent with ERISA Section 404(c) and the regulations thereunder, unless all of the Plan Investments were selected by a Section 3(38) investment manager. Retirement Plan Services for Pooled Plans Through Retirement Plan Services, Edward Jones offers the following services to Pooled Plans: (1) recommending Platform Removal of an Eligible Investment Option by your Independent Investment Fiduciary. For plans utilizing an Independent Investment Fiduciary serving as a Section 3(21) investment adviser, a Plan Investment may require replacement because your Independent Investment Fiduciary has determined that the investment is no longer an Eligible Investment Option, at which point both the Independent Investment Fiduciary and Edward Jones will disclaim all fiduciary responsibility for the investment, and it thus becomes an “Uncovered Investment.” When this occurs, your Independent Investment Fiduciary will provide a recommendation to replace the Uncovered Investment with an alternate Eligible Investment Option after providing notice to you in accordance with the Independent Investment Fiduciary’s procedures, the details of which will be found in your agreement Page 4 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Investment Fiduciary’s recommendation by removing the Uncovered Investment from your Plan Investments and replacing it with the recommended Eligible Investment Option. Providers from a set list maintained by Edward Jones that may, for example, serve as custodian, record-keeper or otherwise provide services to you; (2) recommending Independent Investment Fiduciaries from a set list maintained by Edward Jones; (3) providing non-discretionary investment advice regarding Eligible Investment Options to be selected by the Pooled Plan; (4) providing educational services to Client; and (5) providing additional services to Client. Fiduciary Services for Pooled Plans. When we recommend Platform Providers and provide non-discretionary investment advice, we are acting as a fiduciary under Section 3(21) of ERISA (“Pooled Plan Fiduciary Services”). If you choose to decline your Independent Investment Fiduciary’s replacement recommendation, you must work with your Edward Jones financial advisor to choose an alternate Eligible Investment Option. If the Uncovered Investment is not replaced within a period of time as determined and communicated by Edward Jones, Edward Jones may, in its sole discretion, provide notice of termination of the Retirement Plan Services Agreement and Edward Jones’ resignation as an Independent Investment Fiduciary to the Plan. Please refer to your agreement with your Independent Investment Fiduciary for details regarding its provision of automatic execution or automatic replacement services. Platform Provider and Independent Investment Fiduciary Recommendations to Pooled Plans. Edward Jones will assist you with your search for Platform Providers to provide custodial, investment and/or record-keeping services to the Pooled Plan. With respect to Pooled Plans, we will limit our recommendations to a select number of Edward Jones-approved Platform Providers that offer investment-related fiduciary services through an Independent Investment Fiduciary. You will not be given the option of receiving investment-related fiduciary services through Section 3(38) investment managers that exercise discretion to select all investment options for the Plan. Non-Discretionary Investment Advice to Pooled Plans. The Independent Investment Fiduciary will be responsible for the following: (1) the recommendation of the Eligible Investment Options available to the Plan; (2) the ongoing monitoring and confirmation of the continued availability of such Eligible Investment Options; (3) the recommendation to remove and replace Eligible Investment Options that do not meet the Independent Investment Fiduciary’s criteria; and (4) the addition, from time to time, of new Eligible Investment Options that meet the Independent Investment Fiduciary’s criteria. Although Edward Jones will recommend Platform Providers and Independent Investment Fiduciaries, you will be responsible for selecting the Platform Provider and Independent Investment Fiduciary. In order to participate in Retirement Plan Services, you must select and enter into separate contractual relationships with an Edward Jones- approved Platform Provider and Independent Investment Fiduciary. Edward Jones will rely on the decisions made by Client (based on the recommendations of the Independent Investment Fiduciary). Edward Jones will only provide advice with respect to the Eligible Investment Options recommended by the Independent Investment Fiduciary. We also may provide you with names of third-party administrators (“TPAs”) reviewed by Edward Jones. However, Edward Jones’ assistance in your search for TPAs is for informational purposes only as described below under “Educational Services to Pooled Plans.” Subject to the foregoing, Edward Jones will provide non- discretionary investment advice to Client regarding the Eligible Investment Options to be selected by the Plan, including advice regarding asset allocation and the selection of investments consistent with a defined benefit Pooled Plan’s investment objectives or asset class guidance for a defined contribution Pooled Plan. Platform Provider Platforms Platform Provider platforms offer investments that include mutual funds, exchange-traded funds, collective investment funds, stable value funds, money market funds and/or annuities. Although Edward Jones will recommend Plan Investments from among the Eligible Investment Options, Client (with assistance from its Independent Investment Fiduciary) or Client’s Independent Investment Fiduciary, if serving as a Section 3(38) investment manager, will be responsible for the final selection of Plan Investments. Removal of an Eligible Investment Option by your Independent Investment Fiduciary. A Plan Investment may require replacement because your Independent Investment Fiduciary has determined that the investment is no longer an Eligible Investment Option, at which point both the Independent Investment Fiduciary and Edward Jones will disclaim all fiduciary responsibility for the investment, and it becomes an “Uncovered Investment.” When this occurs, your Independent Investment Fiduciary will provide a recommendation to replace the Uncovered Investment with an alternate Eligible Investment Option after providing notice to you in accordance with the Independent Investment Fiduciary’s procedures, the details of which will be found in your agreement with your Independent Investment Fiduciary. Your Independent Investment Fiduciary will also provide “automatic execution” or “automatic replacement services.” This means that if you agree to or otherwise accept the Independent Investment Fiduciary’s replacement recommendation, your Platform Provider will automatically implement the Independent Excluded Assets. Edward Jones has no responsibility to provide any services related to the following types of Plan assets: any portion of Plan assets that are not maintained on the platform of the Platform Provider or are maintained on the platform at the direction or recommendation of a third party (the “Outside Page 5 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com provide information about future distributions from the Plan. For Participant-Directed Plans, Edward Jones does not provide actuarial, record-keeping or plan administrative services to Clients or the Plan. Additional Services to Participant-Directed Plans When we provide additional services to Client in Participant- Directed Plans, we are not acting as a fiduciary of the Plan under ERISA. Assets”); employer securities; real estate (except for publicly traded real estate investment trusts); life insurance; brokerage accounts or mutual fund windows; participant loans; non-publicly traded partnership interests; other non-publicly traded securities or property; and other hard-to-value or illiquid securities or property (collectively with the Outside Assets, “Excluded Assets”). Edward Jones has no responsibility to provide any services related to Excluded Assets (or that otherwise take into account Excluded Assets). The Excluded Assets will be disregarded in determining the Retirement Plan Services Fee, and the Retirement Plan Services Fee will be determined only on the remaining assets (the “Included Assets” or the “Assets” or “assets”), which may result in the Plan being subject to a higher annual fee (as discussed in Item 5). Educational Services to Participant-Directed Plans When we provide educational services to Client and/or Client’s employees in Participant-Directed Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will conduct analysis on potential platform providers and approve certain platform providers for Retirement Plan Services. Edward Jones will review Edward Jones-approved Platform Providers on a periodic basis, including reviewing the breadth, depth and competitiveness of their product offerings; their financial strength; their risk-management capabilities; and their capabilities in the areas of wholesaling, marketing, service and operations. Edward Jones will perform periodic risk assessments of Platform Providers’ information security and business continuity/disaster recovery practices. Edward Jones will review the Independent Investment Fiduciaries that are offered by the Edward Jones-approved Platform Providers on a periodic basis, including their investment selection and monitoring processes, their financial strength, their risk- management capabilities, and their service fees. Edward Jones will review and approve new platforms, features and services to be made available to the Plan. Education of Client. Edward Jones will provide education on plan types and features and work with the Platform Provider to assist with Plan setup. In order to assist Client in the consideration of a TPA, Edward Jones may provide information on the role of TPAs to Participant-Directed Plans as well as information about the core services a TPA should provide. Client is responsible for selecting the TPA for the Plan. Edward Jones may also provide information on the roles of the Platform Provider, Independent Investment Fiduciary and our financial advisors as well as information about the core services they should provide. Educational Services to Pooled Plans When we provide educational services to Pooled Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will provide education on plan types and features and work with the Platform Provider to assist with Plan setup. In order to assist Client in the consideration of a TPA, Edward Jones may provide information on the role of TPAs to Pooled Plans as well as information about the core services a TPA should provide. Client is responsible for selecting the TPA for the Plan. Edward Jones may also provide information on the roles of the Platform Provider, Independent Investment Fiduciary and our financial advisors as well as information about the core services they should provide. For Pooled Plans, Edward Jones does not provide actuarial, record-keeping or plan administrative services to Clients or the Plan. Education of Client’s employees. Edward Jones may assist Client with developing an education plan for Client’s employees as agreed to by the Plan Sponsor and Edward Jones, which may include group educational sessions or one-on-one educational meetings. Edward Jones may conduct Client employee group educational meetings upon request and as agreed to by the Plan Sponsor and Edward Jones, including enrollment meetings, financial wellness seminars and explaining general financial and investment information. This information may include risk tolerance and asset allocation, general retirement planning topics (such as income replacement ratio, inflation risk and longevity risk), and how each Plan Investment maps to an asset class Edward Jones may also conduct Client employee seminars on broad retirement planning topics, as well as other agreed-upon topics, upon request. Additional Services to Pooled Plans When we provide additional services to Pooled Plans, we are not acting as a fiduciary of the Plan under ERISA. Edward Jones will conduct analysis on potential platform providers and approve certain platform providers for Retirement Plan Services. Edward Jones will review Edward Jones-approved Platform Providers on a periodic basis, including reviewing the breadth, depth and competitiveness of their product offerings; their financial strength; their risk-management capabilities; and their capabilities in the areas of wholesaling, marketing, service and operations. Edward Jones will perform periodic risk Edward Jones will educate Plan participants upon request about asset allocation, in which a portion or percentage of investments will be invested in various asset classes based on the Plan participant’s portfolio objective and risk tolerance (“Asset Allocation”). Asset Allocation cannot eliminate risk associated with investing, but it can help to keep a Plan participant’s account within a stated risk tolerance range. Edward Jones may, at its discretion, provide asset allocation models and interactive investment materials, such as questionnaires, worksheets, software or similar materials that enable Plan participants to estimate future retirement needs. Finally, Edward Jones may Page 6 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com assessments of Platform Providers’ information security and business continuity/disaster recovery practices. Edward Jones will review the Independent Investment Fiduciaries that are offered by the Edward Jones-approved Platform Providers on a periodic basis, including their investment selection and monitoring processes, their financial strength, their risk- management capabilities, and their service fees. Edward Jones will review and approve new platforms, features and services to be made available to the Plan. multiplying the annual fee rate by the value of the Included Assets held in the Plan (as determined by the Platform Provider). If the Retirement Plan Services Fee is Flat Dollar, the fee will be a fixed dollar amount that is mutually agreed upon by Client and Edward Jones. The initial Retirement Plan Services Fee will be determined by the Platform Provider and remitted to Edward Jones in accordance with the process set forth in the agreement between Client and the Platform Provider. Other arrangements for fee calculation and collection may apply as agreed to by Client, Edward Jones and the Platform Provider. Item 5: Fees and Compensation When you participate in Retirement Plan Services, you pay fees to Edward Jones. The following section explains: • Who receives the fees • When you pay the fees • How the fees are calculated and paid • Potential fee offsets After June 30 of each year, the Platform Provider will provide Edward Jones with the value of the Included Assets held in the Plan for the most recently available six (6)-month period. Depending on whether the value of the Included Assets has increased (or decreased), Edward Jones, in its discretion, may determine that a different annual fee will apply. Following notification from Edward Jones, the Platform Provider will calculate the Retirement Plan Services Fee going forward using the revised annual fee. This process will not be applicable for Plans where Edward Jones has been serving as the registered investment adviser for a period of less than six (6) months. Edward Jones relies on the value of the Included Assets held in the Plan that is provided by the Platform Provider for purposes of determining the applicable annual fee. Edward Jones does not review or verify the valuation information provided to us. Retirement Plan Services Fee Paid to Edward Jones In Edward Jones discretion, the Retirement Plan Services Fee may be expressed as either a fixed asset-based basis point fee (“Asset-Based”) or a flat-dollar amount (“Flat Dollar”), subject to the maximums listed in the grid below. Included Assets Maximum Annual Fee Rate Up to $1 million 75 bps Over $1 million to $2 million 60 bps To the extent permitted and facilitated by the Platform Provider, the Plan Sponsor may choose to pay the Retirement Plan Services Fee from the Plan Sponsor’s assets; Plan assets and/or other sources under the Plan’s or the Plan Sponsor’s ownership and control, including, but not limited to, any third-party fees attributable to the Plan’s investments. Over $2 million to $5 million 50 bps Over $5 million to $10 million 40 bps Over $10 million to $20 million 30 bps Over $20 million 25 bps If the Plan Sponsor elects to pay the Retirement Plan Services Fee with Plan assets, the Plan Sponsor will instruct the Platform Provider to calculate and pay, or facilitate the payment by the Plan’s custodian of, the Retirement Plan Services Fee owed to Edward Jones from Plan assets. Edward Jones will not accept 12b-1 fees or other revenue directly from Plan Investments. *Beginning March 27, 2026: For clients with over $20 million in Included Assets, the Retirement Plan Services Fee may be expressed as a Flat Dollar. When a Flat Dollar fee is first proposed, the initial Flat Dollar amount will be based on the Included Assets at that point in time and will not exceed the equivalent maximum Asset-Based fee above. Other Compensation Neither Edward Jones, its financial advisors nor any affiliate reasonably expects to receive any other compensation, direct or indirect, in connection with Retirement Plan Services. If Edward Jones receives any other compensation for such services (such as Rule 12b-1 fees or shareholder accounting revenue), Edward Jones will return such compensation to the Plan. The Retirement Plan Services Fee may be discounted or reduced at the sole discretion of Edward Jones. Your Retirement Plan Services Fee will be identified on your most current Edward Jones Employer Retirement Plan Disclosure document. Edward Jones’ ability to discount or reduce the fee for Clients or the pricing model you are in may result in one Client paying more or less than another Client receiving the same Retirement Plan Services. The Plan Sponsor or the Platform Provider will be responsible for the decision on whether fees paid to Client from Plan Investments (such as Rule 12b-1 fees or shareholder accounting revenue) and held as Plan assets will be used to pay Plan expenses. Rule 12b-1 Fees. Some mutual fund companies or their affiliates pay Rule 12b-1 fees to the Platform Provider for distribution and marketing expenses with respect to fund investments held in the Plan. The Independent Investment Fiduciary or Client may direct the Platform Provider to pay an amount equal to the Rule 12b-1 How the Retirement Plan Services Fee is Calculated and Paid The Plan Sponsor will direct the Platform Provider to calculate the Retirement Plan Services Fee and pay Edward Jones on a periodic basis (typically, quarterly or monthly). If the Retirement Plan Services Fee is Asset-Based, the fee will be determined by Page 7 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com fees received by the Platform Provider for all or a portion of the Retirement Plan Services Fee. eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). Financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Shareholder Accounting Revenue. Some mutual fund companies pay shareholder accounting revenue to the Platform Provider for account record-keeping and administrative services provided by the Platform Provider with respect to fund investments held in the Plan. The Independent Investment Fiduciary or Client may direct the Platform Provider to pay an amount equal to the shareholding accounting revenue received by the Platform Provider for all or a portion of the Retirement Plan Services Fee. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. Additional Fees and Expenses Paid to Platform Providers and Independent Investment Fiduciaries Each Platform Provider and Independent Investment Fiduciary will charge the Plan fees and possibly expenses for their services. Please consult your agreement with your Platform Provider and your agreement with your Independent Investment Fiduciary for more information. These fees are in addition to the Retirement Plan Services Fee described above and vary depending on the particular Platform Provider and Independent Investment Fiduciary. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. Internal Fees and Expenses of Investment Options Mutual funds have internal management fees and ongoing expenses for operating the fund (internal fees and expenses) that are deducted from the fund’s assets, which has the effect of reducing the fund’s net asset value (“NAV”). Many funds have different share classes with different fees and expenses. The prospectus for each mutual fund will describe the internal fees and expenses. Additional Disclosure of Services, Fees and Other Compensation: ERISA Section 408(b)(2) Disclosure. This Brochure contains disclosures designed to assist the Plan’s named fiduciary or other responsible plan fiduciaries in determining the reasonableness of the fees and compensation Edward Jones may receive as a service provider to the Plan. Retirement Plan Services is an investment advisory program offered by Edward Jones. The services provided through Retirement Plan Services are described in Item 4 of this Brochure and in Section 2 and Appendices A and B of the Agreement. Exchange-traded funds, stable value funds and collective investment funds similarly have internal management fees and ongoing expenses. Internal fees and expenses are in addition to the Retirement Plan Services Fee described above and vary depending on the particular investment. Any internal fees and expenses charged by an investment will affect the investment performance of Plan Investments. For a description of the fees paid directly from the Plan in connection with Retirement Plan Services, please refer to “Retirement Plan Services Fees Paid to Edward Jones” above in this Item 5 and Section 3 and Appendix C of the Agreement. Edward Jones could receive compensation from sources other than the Plan, Plan participant accounts or the Independent Investment Fiduciary in connection with the accounts or services provided. For a discussion of other potential sources of compensation, see “Other Compensation” above in this Item 5. Edward Jones does not charge an additional fee upon termination of the Agreement, as described in Section 6 of the Agreement. Edward Jones and its affiliates benefit from the fees paid by Client, as further described in Item 14 of this Brochure. Financial Advisor Compensation Your financial advisor (and other Edward Jones financial advisors, to the extent they provide services to, or on behalf of, the Plan) receives a portion of the Retirement Plan Services Fee. As a result, your financial advisor has a financial incentive not to negotiate the Retirement Plan Services Fee. The portion of the Retirement Plan Services Fee paid to your financial advisor is at the discretion of Edward Jones. The fee paid to your financial advisor will be the same regardless of the Platform Provider or Independent Investment Fiduciary you select. As a result, your financial advisor does not have a financial incentive to recommend one provider over another. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/ compensation. The Retirement Plan Services Fee, as well as the amount of Included Assets, may impact your financial advisor’s eligibility for a bonus. The Retirement Plan Services Fee, as well as assets under care, may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, L.L.L.P. (the “Profits Interest”). This Page 8 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 6: Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. undergo periodic monitoring by Edward Jones to ensure they remain suitable for Retirement Plan Services. A Platform Provider or Independent Investment Fiduciary can be removed from Retirement Plan Services for a variety of reasons, including, but not limited to, the following: Item 7: Types of Clients • A significant change to its personnel; • A significant change in the quality of its services; or • A significant change in the reasonableness of the fees charged in light of the services provided. Edward Jones offers clients a wide range of financial services. Retirement Plan Services is designed to offer advisory services to United States corporations and other organizations sponsoring employee benefit plans subject to ERISA, such as 401(k) plans, other defined contribution plans and defined benefit plans. If a Platform Provider or an Independent Investment Fiduciary is removed from Retirement Plan Services, you must select another Edward Jones-approved Platform Provider and/or Independent Investment Fiduciary in order to continue to participate in Retirement Plan Services. However, Retirement Plan Services is not a program designed to provide advisory services to SEP IRAs, SIMPLE IRAs, owner- only 401(k) plans, governmental defined contribution plans or 403(b) plans not subject to ERISA. Other investment advisory programs may be available through Edward Jones. Contact your financial advisor for more information. There is no minimum asset requirement to participate in Retirement Plan Services. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Plan Investments As indicated above under “Non-Discretionary Investment Advice to Participant-Directed Plans” and “Non-Discretionary Investment Advice to Pooled Plans,” your Edward Jones financial advisor will recommend Plan Investments from among the Eligible Investment Options recommended or selected by the Independent Investment Fiduciary. Your financial advisor may consider quantitative factors (investment history, past performance, etc.) and qualitative factors (investment strategy) as part of the review of Eligible Investment Options. The recommendation process takes into consideration a variety of factors, each of which may be given different weight, and generally no one factor determines the outcome of any recommendation. Although Edward Jones will recommend Plan Investments from among the Eligible Investment Options, Client (with assistance from its Independent Investment Fiduciary) or Client’s Independent Investment Fiduciary, if serving as a Section 3(38) investment manager, will be responsible for making the final selections of Plan Investments, including the final selections of fund share classes of certain Plan Investments, which may vary based on the expense arrangements of the Plan. Edward Jones will not continuously monitor Plan Investments. Platform Providers and Independent Investment Fiduciaries Edward Jones evaluates and recommends the Platform Providers available in Retirement Plan Services based on several factors. The evaluation process starts with a limited universe of available Platform Providers identified by Edward Jones that offer the services of an Edward Jones-approved Independent Investment Fiduciary. Numerous quantitative (fees and expenses, number of clients, etc.) and qualitative (access to cutting-edge technologies needed to support Plan transactions, including record-keeping, Plan valuation, investment transactions, Plan participant and Plan Sponsor reporting, internet access, access to legal and compliance expertise, etc.) factors, based on the type of provider being monitored (either Platform Providers or Independent Investment Fiduciaries) are applied by Edward Jones in selecting and monitoring the Platform Providers and Independent Investment Fiduciaries. The selection and monitoring processes take into consideration a variety of factors, each of which may be given different weight in the decision- making process, and generally no one factor determines whether a Platform Provider is available in Retirement Plan Services. Risks Associated with Plan Investments Risk of Loss. All investments involve risk, and the Plan Investments will fluctuate in value and, when sold, may be worth more or less than the original cost to purchase. Diversification does not guarantee a profit or protect against loss. Client and Plan participants should consider the investment objectives, risks, and charges and expenses of each Plan Investment before deciding to invest. Edward Jones will enter into an agreement with each Platform Provider indicating that Edward Jones will act as the investment adviser to retirement plans that may, in their discretion, retain the Platform Provider to provide custodial, investment, record- keeping and/or other services. The agreement will specify certain minimum services to be provided by the Platform Provider, including developing and maintaining systems and procedures to, at Client’s direction, pay the Retirement Plan Services Fee owed to Edward Jones from the Plan. There is no guarantee that the Eligible Investment Options or Plan Investments will perform in any particular manner. Past performance is not a guarantee of future results. Further details about a Plan Investment can be found in its prospectus, statement of additional information, shareholder reports or annuity contract, as applicable. Platform Providers and Independent Investment Fiduciaries Edward Jones is not responsible for the performance of an Page 9 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com investment, the Plan or the account of a Plan participant. solely of assets of retirement plans such as 401(k) plans and other defined contribution or defined benefit retirement plans that are qualified under the Internal Revenue Code of 1986, as amended. Like mutual funds, CIFs may have a variety of investment objectives and strategies and are subject to investment and other risks. Unlike mutual funds, CIFs are not subject to the restrictions of the Investment Company Act of 1940, as amended. As a result, managers of CIFs have to disclose fund performance and the components of a portfolio only once a year, although most CIF managers communicate performance to investors on a more frequent basis. Mutual Funds Risk. Mutual funds are diversified, professionally managed portfolios of securities that pool the assets of individuals and organizations to invest toward a common objective such as current income or long-term growth. Mutual funds are subject to investment advisory, transactional, operating and other expenses. Each mutual fund is subject to specific risks, depending on its investments. The value of mutual funds’ investments and the NAV of the funds’ shares will fluctuate in response to changes in market and economic conditions, as well as the financial condition and prospects of companies and other investments in which the funds invest. The performance of a mutual fund will depend on whether the fund’s investment adviser is successful in pursuing the fund’s investment strategy. In-plan Annuities Risk. In-plan annuities are designed to provide guaranteed income payments for a specified period of time beginning at a future date, typically on or after retirement. In-plan annuity products come in many different structures and are subject to investment and other risks, so it is important for Clients and Plan participants to understand the unique features and provisions of the available options. Exchange-Traded Funds (“ETFs”) Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data, or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Money Market Funds Risk. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates and seeks to maintain a stable NAV per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact investments. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase risk and cause losses. Item 9: Disciplinary Information Stable Value Funds Risk. The objective of most stable value funds is to provide safety of principal and an investment return that is generally higher than a money market return, while providing participants the ability to withdraw their assets for ordinary transactions at book rather than market value. However, the ability to withdraw stable value assets at book value has limitations based on the insurance contracts that wrap the underlying assets. In addition, most stable value funds require a hold period before assets can be withdrawn from the fund by the plan sponsor at book value and may refuse to honor book value withdrawals after communications from a plan sponsor or plan fiduciaries that it determines caused participants’ withdrawals. Additionally, the plan is often restricted from offering investment alternatives or plans that are viewed as competitive with the stable value offering. Stable value funds are subject to counterparty risk of the insurers that provide the fund’s book value liquidity. This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. FINRA – Municipal Securities Transactions Below Minimum Collective Investment Funds Risk. A collective investment fund (“CIF”), sometimes referred to as a collective investment trust or collective trust fund, is a bank-administered trust that consists Page 10 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 10: Other Financial Industry Activities and Affiliations State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. You should be aware that Edward Jones, our affiliates and our financial advisors perform services for other clients outside of Retirement Plan Services, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), research, the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with A conflict of interest exists where Edward Jones has an existing business relationship with the mutual fund families, sub-advisers, and/or Platform Providers and Independent Investment Fiduciaries that are recommended through Retirement Plan Services. Edward Jones receives revenue sharing payments from certain unaffiliated mutual fund families on client assets held outside of Edward Jones’ advisory programs. “Revenue sharing” generally means a mutual fund family shares with another Page 11 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. company, like Edward Jones, a portion of the revenue it earns through managing mutual fund assets. Edward Jones’ receipt of revenue sharing outside of advisory programs creates a conflict of interest in the form of additional financial benefits to us, our financial advisors and equity owners. We believe that this conflict of interest is mitigated through internal policies designed to prevent Edward Jones, in our capacity as investment adviser, and any affiliated investment adviser, from considering revenue sharing from existing business relationships when recommending certain investment options and/or Platform Providers or Independent Investment Fiduciaries. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. For more information regarding revenue sharing, please visit www.edwardjones.com/disclosures or request a revenue sharing disclosure document from your Edward Jones financial advisor. Edward Jones does not receive revenue sharing related to Plans participating in Retirement Plan Services. Edward Jones and our financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Retirement Plan Services. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: • act with integrity and in an ethical manner with you and all of our clients; • place your and all of our clients’ interests first; • conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them; In our capacity as a broker-dealer, Edward Jones performs research and distributes recommendations to buy, sell or hold the equity securities of asset management companies or financial institutions with asset management affiliates that may be recommended Platform Providers or Independent Investment Fiduciaries in Retirement Plan Services. In order to preserve the independence of this process and to address any conflicts of interest, we have adopted a policy under which we do not consider our opinion on equity securities of asset management companies or financial institutions in recommending Platform Providers or Independent Investment Fiduciaries. • comply with all applicable rules, regulations and laws; and • do not use any material nonpublic information they may receive as a result of their employment with Edward Jones. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Olive Street Investment Advisers, LLC, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of certain affiliated mutual funds, including the Edward Jones Money Market Fund. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to our advisory programs, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. Edward Jones Trust Company (“EJTC”), a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional and Roth IRAs through an agreement between Edward Jones and EJTC. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. As noted in Item 12 below, the Platform Provider will be responsible for executing Edward Jones owns directly or indirectly 100% of three insurance Page 12 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com trades for Retirement Plan Services. Item 12: Brokerage Practices Edward Jones will not execute trades for Clients participating in Retirement Plan Services. Generally, the Platform Provider will provide trade execution services for the Plan for a fee. approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. Item 13: Review of Accounts From time to time, affiliates of Edward Jones may make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates may influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Your Edward Jones financial advisor will perform an annual review with you as the Plan Sponsor of a Participant-Directed Plan, which may include a review of the following: Plan goals and objectives; the Platform Provider and Independent Investment Fiduciary and fees charged by each party; current platform and services offered by the Platform Provider; Plan participation, contributions and demographics; Plan Investments; and the qualified default investment alternative (“QDIA”) selection. An affiliate of Edward Jones maintains a minority investment in Boon Business Solutions, Inc. d/b/a Aboon, a Delaware corporation and unaffiliated third party that, inter alia, provides TPA services to employee benefit plans. If a Client selects Aboon as the TPA for the Plan, our affiliate may earn indirect compensation, which creates a conflict of interest. This conflict is addressed through disclosures. Edward Jones does not receive compensation from Platform Providers or Independent Investment Fiduciaries participating in Retirement Plan Services. Your Edward Jones financial advisor will perform an annual review with you as the Plan Sponsor of a Pooled Plan, which may include a review of the following: Plan goals and objectives; the Platform Provider and Independent Investment Fiduciary and fees charged by each party; current platform and services offered by the Platform Provider; Plan contributions and demographics; Plan Investments; whether a defined benefit Pooled Plan is meeting its investment objectives; and a review of a defined contribution Pooled Plan’s current investment menu in accordance with Edward Jones’ asset class guidance. Item 14: Client Referrals and Other Compensation Certain unaffiliated mutual fund companies and/or ETF sponsors (or their investment advisers) and Platform Providers pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF, mutual fund, or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of recommending a Plan Investment or a Platform Provider. Our financial advisors are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when recommending a Plan Investment or a Platform Provider for Retirement Plan Services. Item 15: Custody Edward Jones does not provide custody services in connection with Retirement Plan Services. Generally, the Platform Provider will provide custody services for a fee. Item 16: Investment Discretion From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Retirement Plan Services Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. Edward Jones has no discretion over the investment of Plan assets and has no discretion to interpret the Plan documents, to determine eligibility or participation under the Plan, or to take any other action with respect to the management, administration or any other aspect of the Plan. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones Edward Jones does not provide legal or tax advice. You should consult with your legal or tax professional before participating in Retirement Plan Services. Page 13 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com You or Edward Jones may terminate your participation in Retirement Plan Services at any time by providing sixty (60) days’ prior written notice. If you terminate your contractual relationship with the Platform Provider or Independent Investment Fiduciary without selecting and entering into an agreement with an appropriate replacement Platform Provider or Independent Investment Fiduciary, Edward Jones will terminate your Agreement. Additionally, if the Platform Provider is removed from Retirement Plan Services by Edward Jones, you must contact your financial advisor and select a Platform Provider available in Retirement Plan Services. If you do not select an available Platform Provider within the time frame established by Edward Jones, Edward Jones will terminate your participation in Retirement Plan Services. If you or Edward Jones terminate your participation in Retirement Plan Services, the Plan will be charged the Retirement Plan Services Fee through the date of termination. Item 17: Voting Client Securities Edward Jones will not be responsible for voting (or recommending how to vote) proxies for Clients participating in Retirement Plan Services. Client or, if applicable, Plan participants will be responsible for voting proxies of Plan Investments. Item 18: Financial Information This section does not apply to Edward Jones. Item 19: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Page 14 of 14 LGL-10077V-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones SMA Model Portfolios Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This advisory program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we,” “our,” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo. sec.gov. Page 1 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes This filing represents the annual review of the Program. As part of this review, only non-material enhancements were made throughout the Brochure. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents .................................................................................................................... 2 Item 4: Advisory Business .................................................................................................................. 3 Item 5: Fees and Compensation ........................................................................................................ 3 Item 6: Performance-Based Fees and Side-by-Side Management ................................................. 4 Item 7: Types of Clients ....................................................................................................................... 4 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .......................................... 4 Item 9: Disciplinary Information ......................................................................................................... 5 Item 10: Other Financial Industry Activities and Affiliations ........................................................... 6 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...... 7 Item 12: Brokerage Practices ............................................................................................................. 7 Item 13: Review of Accounts .............................................................................................................. 8 Item 14: Client Referrals and Other Compensation .......................................................................... 8 Item 15: Custody .................................................................................................................................. 8 Item 16: Investment Discretion ........................................................................................................... 8 Item 17: Voting Client Securities ........................................................................................................ 8 Item 18: Financial Information ............................................................................................................ 8 Item 19: Requirements for State-Registered Advisers .................................................................... 8 Page 2 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Advisory Business The SMA Model Portfolios are developed, managed, and maintained by Edward Jones and each follows an overarching investment philosophy that guides our portfolio managers when maintaining the associated investment strategy for these model portfolios. The investment strategy for a SMA Model Portfolio guides the investment decisions made at creation and throughout the duration of such model portfolio. Our portfolio managers will not alter or change a SMA Model Portfolio in this Program to accommodate an individual investor’s specific investment needs or desires. Edward Jones is a registered broker-dealer and investment adviser in the United States. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about the Edward Jones investment strategies developed, managed and advised by Edward Jones as separately managed account (“SMA”) model portfolios (“SMA Model Portfolios”) (overall referred to as the “Program”). You should read this Brochure carefully and consult with your tax professional before you select any investment strategy. Edward Jones will monitor and update the SMA Model Portfolios maintained in this Program on an ongoing basis. If an update to a SMA Model Portfolio occurs, then such updates are provided to the designated overlay manager or representative of the Program Sponsor for distribution and use with its clients. The Program Sponsor then has discretion to implement the SMA Model Portfolio within their program to meet its clients’ needs, including adhering to any reasonable investment restrictions requested by the client. The SMA Model Portfolios created and managed by Edward Jones are made available exclusively to qualifying investment advisory programs of Edward Jones and its affiliates (“Program Sponsor(s)”) as non-discretionary model portfolios. This means that as updates are made by Edward Jones to a SMA Model Portfolio, we will provide the updated information to the Program Sponsor, who generally has investment and trading discretion as to how and when it will execute the model updates in its investment advisory client accounts. Depending on the SMA Model Portfolio’s investment strategy, the portfolio could consist of stocks, exchange-traded funds (“ETFs”), cash and/or cash equivalents, or some combination thereof (“SMA Model Portfolio Securities”). Edward Jones has sole responsibility and retains authority for selecting what SMA Model Portfolio Securities will comprise a model portfolio in this Program, as well as what associated percentages (target weightings) will comprise such model portfolio. Edward Jones does not consider the investment strategies described in this Brochure to create an advisory relationship with you and Edward Jones. Instead, an advisory relationship exists between you and the Program Sponsor for which the SMA Model Portfolios are made available to you in your advisory account. For more information on the investment advisory programs available to you that offer SMA Model Portfolios, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures. Item 5: Fees and Compensation Edward Jones does not charge any fees to the Program Sponsors for their distribution and use of the SMA Model Portfolios developed and maintained in this Program but reserves the right to do so in the future. Edward Jones offers additional investment advisory services as well as separate brokerage services. Such other investment advisory services, or brokerage services, are not described in this brochure. Certain programs or offerings are only available through select financial advisors. To learn more about these other investment advisory services offered by us, please ask your financial advisor or go to www.edwardjones.com/ advisorybrochures. While Edward Jones does not charge fees for the SMA Model Portfolios developed and maintained as part of this Program, Edward Jones receives compensation through the advisory fees received by Program Sponsors through their respective advisory programs. As a result, Edward Jones receives indirect compensation through the advisory fees charged on any investment you choose to make in the SMA Model Portfolios through your investment advisory account with a Program Sponsor. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. Similarly, our financial advisors do not receive compensation for the SMA Model Portfolios developed and maintained as part of this Program, but they do receive a portion of the advisory fees collected through the respective investment advisory programs of the Programs Sponsors, though some financial advisors receive a salary in addition to, or in lieu of, the advisory fees collected. As a result, our financial advisors receive indirect compensation on any investment you choose to make in the SMA Model Portfolios in your qualifying investment advisory account with the Program Sponsor. As described above, this Program offers non-discretionary services only to qualifying investment advisory programs of the Program Sponsors, and does not have any assets under management for the Program. For the other investment advisory programs and services offered and managed by Edward Jones that include assets under management, as of December 31, 2025, Edward Jones managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets. Page 3 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • Operational Effectiveness: resources are effectively allocated to maximize the company’s productivity. • Management Strength: experienced management team with Item 6: Performance-Based Fees and Side- by-Side Management industry-relevant expertise and a history of successfully delivering on expectations. • Strategy: clearly outlined goals that appear achievable and Edward Jones and its supervised persons do not receive performance-based fees in connection with this Program. position the company for future success. Item 7: Types of Clients • Financial Strength: typically evidenced by an investment-grade credit rating, relatively low debt, and sustainable sources of cash flow and profitability. • Quality of Earnings: sources of revenue and profits are ideally more predictable and from sustainable sources. The SMA Model Portfolios developed and maintained for this Program are exclusively available to clients enrolled in the qualifying investment advisory programs of the Program Sponsor. Depending on the registration of the Program Sponsor, such programs are generally available only to residents of the United States, certain U.S. territories and Canada. We use this assessment to project future earnings, cash flow, and determine a fair value for the company. We then work to value the company using a variety of methods including, but not limited to: Item 8: Methods of Analysis, Investment Strategies and Risk of Loss • Multiple Analysis • Price-to-Earnings • Price-to-Sales • Price-to-Book • Enterprise Value (EV)/Earnings Before Interest, Taxes, Edward Jones requires its portfolio managers to have significant experience in securities research and to have served in the capacity of a securities research analyst at Edward Jones, wherein these professionals, among other things, previously worked to curate buy lists of securities for Other Advisory Programs. Depreciation & Amortization (EBITDA) • Cash Flow Analysis • Cash Flow Return on Investment (CFROI) • Discounted Cash Flow • Sum-of-the-Parts Analysis Method of Analysis and Investment Strategies Edward Jones’s investment approach for its equity strategies is a bottom-up, fundamental approach that identifies quality companies at attractive prices. Consisting primarily of equity securities of U.S. issuers and American depositary receipts (also referred to as “ADRs”), we select equity securities based on geography, longevity, financial risk, and size. Edward Jones reviews for: • Companies with at least 10 years of operating history, ensuring they have faced economic downturns and have management experienced in both adversity and success. • Companies with investment-grade credit quality or companies that we believe are trending toward investment grade. Before adding a company to an SMA Model Portfolio, we assess its potential impact, considering sector and sub-sector concentration, volatility, yield, correlation, and various risk metrics. We buy or add to existing equity securities when we seek a certain sector exposure, see growth opportunities, or believe the equity security is undervalued. We diversify our portfolios to mitigate market fluctuations, using qualitative and quantitative data for sector allocation decisions based on market cycles, growth and inflation outlooks, momentum, and valuation. • Larger companies with a longer history of success, a broader customer base, and greater management depth. We will reduce or remove positions from our portfolios if a better opportunity arises, there is a change in portfolio view, or if the price exceeds our perceived fair value. Once a company meets these criteria, we perform an in-depth analysis, starting with a review of the company’s financial and operating history, compiling data from regulatory filings and third-party providers. The due-diligence process generally involves examining company literature, news reports, competitors, industry publications, third-party research, and discussions with company management and industry experts. Our goal is to assess the company’s: • Competitive Advantages: factors that give a company a sustainable advantage over other companies that provide comparable products or services, • Market Position: the company’s ability to take market share or Risk of Loss All investment strategies involve risk, and the value of any given model portfolio will fluctuate. As a result, a SMA Model Portfolio offered through this Program cannot guarantee any rate of return or performance. The past performance of a SMA Model Portfolio does not guarantee a specific future result will be achieved. Furthermore, a SMA Model Portfolio in this Program could have errors in how it is designed, tested, validated, monitored, maintained, or how it is provided to the Program Sponsor or its overlay manager. Such errors could negatively impact the performance of that model portfolio. defend its current dominant position. Page 4 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  The investment results achieved at any given time by a SMA Model Portfolio in the Program could and will differ from the investment results achieved by other portfolio models or investment strategies maintained in the Program or elsewhere by Edward Jones, including for the same or similar investments. digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. The SMA Model Portfolio Securities comprising a SMA Model Portfolio will fluctuate in value, causing the overall performance of the portfolio to fluctuate over time and not be guaranteed. Furthermore, when SMA Model Portfolio Securities are sold, they may be worth more or less than the original cost to purchase. Diversification in an SMA Model Portfolio does not guarantee a profit or protect against loss. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. These matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Item 9: Disciplinary Information Equity Securities Risk. Common stocks and other equity securities generally increase or decrease in value based on the earnings of a company and on general industry and market conditions. The value of a company’s share price may decline as a result of poor decisions made by management, lower demand for the company’s services or products, or if the company’s revenues fall short of expectations. There are also risks associated with the stock market overall. The stock market may experience periods of turbulence and instability. This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of our advisory business or the integrity of our management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of our Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. Preferred Stock Risk. Preferred stock is a class of capital stock that typically pays dividends at a specified rate. Preferred stock is generally senior to common stock but subordinate to debt securities with respect to the payment of dividends and on liquidation of the issuer. While subject to the same risks affecting equity securities generally, the market value of preferred stock also generally decreases when interest rates rise (interest rate risk) and is also affected by the issuer’s ability to make payments on the preferred stock (credit risk). FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. ETF Risk. ETFs are typically registered investment companies whose shares are listed on a securities exchange. An investment in an ETF generally presents the same primary risks as an investment in a conventional mutual fund (i.e., one that is not exchange-traded) that has the same investment objective, strategies and policies. The price of an ETF can fluctuate within a wide range, gaining or losing value throughout the day. ETF performance may vary from that of its benchmark or its peers. Like mutual funds, ETFs are subject to investment advisory, transactional, operating and other expenses. Unlike mutual funds, shares of ETFs cannot be directly purchased from and redeemed by the fund. ETFs that use environmental, social and governance (“ESG”) or values-based strategies may forgo certain investment opportunities available to strategies that do not use such criteria and therefore create a risk of underperforming when compared against other strategies. Each ETF’s prospectus and other fund documents describe the risks specific to the fund. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Cybersecurity Risk. The computer systems, networks and devices used by Edward Jones and our service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail Page 5 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 10: Other Financial Industry Activities and Affiliations State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. §1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 and to comply with the relevant provision of the 1972 Act. You should be aware that Edward Jones, our affiliates and our financial advisors perform services for their clients in service offerings outside of the Program, including the execution of brokerage transactions (e.g., the purchase or sale of securities, insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and our affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or investment products. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry: Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer and is a member of FINRA. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of the affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Edward Jones Asset Management and other Edward Jones programs. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Page 6 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so that the client receives the better price. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Item 12: Brokerage Practices Edward Jones has established a Code of Ethics to ensure that our associates: • Act with integrity and in an ethical manner at all times. • Conduct personal trading in compliance with our Code of The Program develops and manages investment strategies on a non-discretionary basis that are then provided to the designated overlay manager of the Program Sponsor for distribution and use with its clients. As such, the Program does not utilize any brokerage services. Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them. Item 13: Review of Accounts • Comply with all applicable rules, regulations and laws. • Do not use any material nonpublic information they may This Program does not maintain client accounts. As such, there are no review of accounts conducted with this Program. receive as a result of their employment with Edward Jones. Item 14: Client Referrals and Other Compensation Some Edward Jones associates are deemed “investment persons” under our Code of Ethics because they may have access to nonpublic information regarding SMA Model Portfolio Securities that will be added or removed to a SMA Model Portfolio, and/or what changes are being planned to target weights for a SMA Model Portfolio. Under our Code of Ethics, investment persons must receive prior approval before acquiring a beneficial ownership interest in any security, and are subject to restrictions on their personal securities trading, including limitations on which securities can be purchased and the timing of transactions in certain securities. These restrictions, and supervision to ensure compliance with the restrictions, are designed to minimize and mitigate conflicts. Additionally, investment persons are required to submit to our Chief Compliance Officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. You should know that financial advisors, Edward Jones associates and/or their family members may be clients of the Program Sponsors and, as clients of one or more of those investment advisory programs, are permitted to and do invest in the SMA Model Portfolios developed and maintained by this Program. This practice could create a conflict of interest if associates placing trades for their own accounts were to place a trade before clients and receive a better price on a security. To address this potential conflict, the trades for financial advisors, Edward Jones associates and/or their family members in the Program Sponsors’ investment advisory programs are aggregated along with other trades, which may include trades for your account. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation Page 7 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com or referrals to Edward Jones. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Certain ETF sponsors, which could be included as an SMA Model Portfolio Security in a SMA Model Portfolio, pay certain expenses on behalf of financial advisors, including training and educational expenses, and in some instances make payments directly to Edward Jones to subsidize training and educational costs for financial advisors. These companies also participate in conferences or other marketing activities with Edward Jones and generally share in the cost of those activities. Edward Jones has not entered into any agreement with any ETF or its investment adviser or its distributors or affiliates providing for payment of such expenses as a condition of inclusion in a SMA Model Portfolio. Our portfolio managers are not allowed to consider an advisory product partner’s sponsorship of a marketing activity when choosing what SMA Model Portfolio Security to select in a SMA Model Portfolio. Item 15: Custody Edward Jones does not custody assets as part of this Program. Item 16: Investment Discretion Edward Jones does not have investment discretion over any client assets through this Program. Item 17: Voting Client Securities Proxy voting is not conducted in connection with this Program. Item 18: Financial Information This section does not apply to Edward Jones. Item 19: Requirements for State-Registered Advisers This section does not apply to Edward Jones. Page 8 of 8 IAS-18375C-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com

Edward Jones Transitional Retirement Account Brochure as of March 27, 2026 Edward Jones 12555 Manchester Road St. Louis, MO 63131 800-803-3333 edwardjones.com Item 1: Cover Page This wrap fee program brochure provides information about the qualifications and business practices of Edward D. Jones & Co., L.P. (“Edward Jones,” “we” or “us”). If you have any questions about the contents of this brochure, please contact us at 800-803-3333. The information in this brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about Edward Jones is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 2: Material Changes Below is a summary of the material changes that were made to this brochure following our prior annual filing on February 14, 2025. • We updated the “Termination of Your Account” section in Item 4 to include provisions for account liquidation and limited services in the event your account is terminated. As of June 30, 2020, we stopped offering Transitional Retirement accounts. Existing account holders were required to work with their financial advisors to close their Transitional Retirement accounts. As of the date of this filing, there remain open a small population of Transitional Retirement accounts that have not been closed. Edward Jones is working to close those remaining Transitional Retirement Accounts. Item 3: Table of Contents Item 1: Cover Page .............................................................................................................................. 1 Item 2: Material Changes .................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................... 3 Item 4: Services, Fees and Compensation ...................................................................................... 3 Item 5: Account Requirements and Types of Clients ...................................................................... 5 Item 6: Investment Selection and Evaluation ................................................................................... 5 Item 7: Client Information Provided to Edward Jones ..................................................................... 6 Item 8: Client Contact with Edward Jones ........................................................................................ 6 Item 9: Additional Information ........................................................................................................... 6 A. Disciplinary Information and Other Financial Industry Activities and Affiliations .............................. 6 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ............................. 7 Item 10: Requirements for State-Registered Advisers .................................................................... 8 Appendix A: Disclosures Regarding Affiliated Money Market Fund .............................................. 9 Page 2 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation initial funding or, if subsequently re-funded after such period, within sixty (60) days of the subsequent re-funding of your account. During such time, you may need to take certain steps, such as selling any investments that are not eligible to be held in your chosen accounts, if applicable, and transferring the proceeds and any other eligible investments into such chosen accounts. Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward Jones, Edward Jones Transitional Retirement Account (“Transitional Retirement”) and our business practices. Other advisory programs offered through Edward Jones are not described in this Brochure. These programs offer different services and investments and have different fees and minimum investment requirements. Certain programs or offerings are only available through select financial advisors. To learn more about other advisory programs offered by us, please ask your financial advisor or go to www.edwardjones.com/advisorybrochures to review the brochures for the available advisory programs. Account Portfolio Objective. Generally, if you open a Transitional Retirement account, the portfolio objective for your account (“Account Portfolio Objective”) will be the same as the portfolio objective you selected for your retirement goal (your “Retirement Portfolio Objective”). However, if you do not have a Retirement Portfolio Objective, then the Account Portfolio Objective for your Transitional Retirement account will be preservation of principal. The preservation of principal Account Portfolio Objective is designed to preserve the original amount invested in your account. Edward Jones will have no authority to change your Account Portfolio Objective without your instruction. Edward Jones is the primary operating subsidiary of The Jones Financial Companies, L.L.L.P. (“JFC”), a holding company registered as a partnership with the State of Missouri. Edward Jones registered with the SEC as a broker-dealer in 1941 and as an investment adviser in 1993. Edward Jones became a member of the National Association of Securities Dealers (“NASD”) (now known as the Financial Industry Regulatory Authority (“FINRA”)) in 1939. Brokerage Services. You are responsible for directing the sale of investments in your Transitional Retirement account, if any, and should not rely solely on the recommendations of Edward Jones or your financial advisor. You will not be able to purchase any new investments in your account. Neither Edward Jones nor your financial advisor will have discretionary authority for any trading or investment decisions in your account. As of December 31, 2025, we managed $494,281,232,605 in discretionary assets and $578,967,564,739 in non-discretionary assets across all of our advisory programs. Transitional Retirement Overview Transitional Retirement is a client-directed advisory program sponsored by Edward Jones designed to provide you with limited short-term investment advice, guidance and services free of charge. Transitional Retirement is intended to enhance the working relationship between you and your Edward Jones financial advisor by facilitating the handling of certain transactions within a limited period of time that may not be available in other programs. A Transitional Retirement account may be appropriate if, in consultation with your Edward Jones financial advisor, you have decided to: Edward Jones will execute sales only at your direction. You must provide trading instructions in a timely manner to ensure that each asset deposited into your account is sold or otherwise removed from your account within sixty (60) days from the date of initial funding of your account or, if subsequently re-funded after such period, within sixty (60) days of the subsequent re-funding of your account. When Edward Jones executes trades for your account, we are not acting as an investment adviser, but solely as a broker-dealer. Trading in your account will be subject to our trading policies and practices. You will not be charged trade commissions or sales charges for Transitional Retirement account trades. You cannot request that your orders be executed through another broker-dealer. Not all investment advisers require their clients to execute their trades through a certain broker-dealer as we do. • open more than one account and have chosen to fund such accounts with securities and other assets rather than cash; • add securities and other assets to more than one account; • liquidate securities and other assets and transfer, or otherwise distribute, the proceeds from one or more accounts, which may include an individual retirement account (“IRA”) or other retirement accounts; or • convert your traditional IRA to a Roth IRA. Transitional Retirement account trades are sometimes aggregated. This means that trades for your account are combined with other client accounts, including accounts for Edward Jones associates, and executed in a single trade or series of trades. Once the trade is executed, it is then allocated to your account in the proper amount. Trade aggregation is done to increase operational efficiencies and allows us to keep trading costs down. If we did not aggregate trades, the program fees for our investment advisory programs could potentially be higher. In certain circumstances, a Transitional Retirement account may be required when opening or adding additional assets to an advisory account. All investments in your Transitional Retirement account must be removed from the account within sixty (60) days of the account’s Mutual fund trades are aggregated and executed after the close of a trading day. Trade aggregation does not have any effect on the price you receive for mutual fund shares redeemed for your account. You may have to pay redemption fees to a mutual fund company if those mutual fund shares were held for only a short time (typically anywhere from less than thirty (30) days to twelve Page 3 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com (12) months). The prospectus and statement of additional information will describe whether the mutual fund has a redemption fee and whether there are instances when the redemption fees will be waived. Termination of Your Account. You have sixty (60) days from the date of initial funding of your Transitional Retirement account to remove all investments in such account. However, your account will remain open past such period and be available for future additional funding. You or Edward Jones may terminate your Transitional Retirement account at any time without an advisory termination fee. While oral instructions to terminate your Transitional Retirement account are generally acceptable, Edward Jones, in its sole discretion, may require written notice in order to terminate your account. Upon notice of termination of your Transitional Retirement account, Edward Jones will not be obligated to recommend any action with regard to the assets in your account, if any, but you may instruct Edward Jones to sell the securities or transfer the assets to another Edward Jones account or a third-party account. Some mutual funds and/or fund share classes may not be held outside of your Transitional Retirement account. In these cases, Edward Jones is authorized to redeem those shares for you or to convert the mutual fund share class into a different share class. Trade Allocation. From time to time, the volume and/or number of trades that are directed by clients to be executed for Transitional Retirement accounts may exceed Edward Jones’ operational and technological capacities if these trades are directed on a single day. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may allocate trades based on the time of order entry. In certain circumstances, this process may take several days or weeks. Although designed to be fair and equitable over time, this may result in clients receiving different prices. In addition, if the volume or size of redemptions exceeds the limits set forth in the mutual fund’s trading policies and procedures, the mutual fund may exceed the standard settlement period to process redemptions or may redeem positions in-kind. Alternatively, Edward Jones may rely on a random allocation process to effect the redemptions over time in a manner consistent with the limits set forth in the mutual fund’s trading policies and procedures. Trade Errors. In certain circumstances, trade errors may occur in your account. When a trade error occurs that is caused by the actions of Edward Jones, we will work to promptly correct the error while ensuring your account is not disadvantaged. It is Edward Jones’ policy to use an Edward Jones error account to correct trades. This may result in trades between your account and an Edward Jones error account. If trade errors are caused by your actions and the process of correcting the errors results in a net loss in the error account, your account will be debited for the amount of such loss. If the process of resolving trade errors results in a net gain in the error account as accrued and calculated on a periodic basis, we will donate the amount of such gain to charities chosen by Edward Jones. Upon notice of termination or if Edward Jones determines to no longer offer this Transitional Retirement Account program, and if you fail to instruct Edward Jones as to the disposition of assets in your account, your account’s services will be significantly limited (“Limited Services Account”). We will no longer act as a fiduciary to your account, and you can no longer rely on us to provide advisory services to your account. You will be able to receive distributions, liquidate securities, and withdraw funds from your Limited Services Account, but you will not be able to purchase new securities or add to existing positions (except for the money market fund). Any transactions will be subject to fees, commissions and sales charges applicable to Edward Jones brokerage accounts. Alternatively, if you fail to provide instructions as directed above, Edward Jones in its sole discretion may liquidate and distribute the assets in the Account and your Services Agreement will be terminated. If you terminate and sell the assets in your account, your proceeds will be available upon settlement of the trades generated to complete the liquidation. Account liquidation may cause a taxable event as well as additional fees and expenses. Fees Custody. Assets in your account are held at Edward Jones as broker-dealer. However, if you have entered into an IRA Custodial Agreement with Edward Jones Trust Company (“EJTC”), assets in your IRA will be held at EJTC. EJTC has delegated its duties and responsibilities as a custodian to Edward Jones as sub-custodian. As custodians, Edward Jones and EJTC are responsible for: • safekeeping your funds and securities; • collecting dividends, interest and proceeds from any sales; and Program Fee to Edward Jones. Transitional Retirement is a wrap fee program, but there is no charge for our investment advisory services, execution of transactions through Edward Jones and related services (the “Program Fee”). • disbursing funds from your account. In addition, you may be eligible to receive credits to your account, as described below. Edward Jones (as broker-dealer) will provide all accounts with written trade confirmations of securities transactions and account statements for each month there is activity in the account. If EJTC is the custodian, the account statement will be sent by Edward Jones on behalf of EJTC. Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. Rule 12b-1 Fees: Some mutual fund companies or their affiliates pay Edward Jones Rule 12b-1 fees for distribution and marketing expenses. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive Rule 12b-1 fees for the shares in your account, we will credit the amount received to your account. Page 4 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Shareholder Accounting Revenue: Some mutual fund companies pay Edward Jones for account recordkeeping and administrative services provided by Edward Jones for the mutual fund companies. This creates a conflict of interest. In order to eliminate this conflict of interest, if we receive shareholder accounting fees for the shares in your account, we will credit the amount received to your account. We address these conflicts of interest through disclosures you will receive at or before the time of your financial advisor’s recommendations to you. Additionally, financial advisors are subject to training, supervision, regulatory requirements, and internal policies and controls that are reasonably designed so that clients are recommended only those products and services that are appropriate in light of their financial circumstances. For further information on compensation and conflicts of interest, please see the “Understanding how we are compensated for financial services” document found at edwardjones.com/compensation. Item 5: Account Requirements and Types of Clients Transitional Retirement is closed to new accounts; therefore, this question is not applicable. Edward Jones Money Market Fund: JFC directly owns 100% of Olive Street Investment Advisers, LLC (“Olive Street”), the adviser of the Edward Jones Money Market Fund. Olive Street, and its affiliate, Edward Jones, receive various revenues related to assets in the Fund (collectively, “Money Market Revenue”). Appendix A includes a detailed discussion of our Money Market Revenue. For any Transitional Retirement account investing in the Edward Jones Money Market Fund, Edward Jones or an affiliate will apply a credit equal to the amount of the Money Market Revenue received by Edward Jones or an affiliate, with respect to such account. Item 6: Investment Selection and Evaluation Transitional Retirement is a client-directed advisory program sponsored by Edward Jones. No third-party investment advisers, no related persons or Edward Jones-supervised persons serve as portfolio managers in Transitional Retirement. Other Fees and Expenses. Although there is no Program Fee, clients may incur other fees and expenses, including, but not limited to, mutual fund redemption fees and contingent deferred sales charges; estate service fees; ACH return fees; fees to distribute an account pursuant to a transfer on death agreement; transfer taxes; electronic fund, wire and other account transfer fees; and any other charges imposed by law or otherwise agreed to by Edward Jones and you with regard to your account. Performance-Based Fees and Side-by-Side Management This section does not apply to Edward Jones. Methods of Analysis, Investment Strategies and Risk of Loss In consultation with your financial advisor, you select the assets to sell based on numerous factors, each of which may be given different weight in the decision-making process, and generally no one factor determines the outcome of any selection. Deposits, including interest and dividends, received into your account may earn interest that will be retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time the check is cashed or another payment method is completed. The average overnight interest rate on these deposits may fluctuate daily and is tied to changes in widely referenced interbank lending rates, such as Fed Funds Effective Rate, Fed Funds Target Rate, London Interbank Offered Rates and Secured Overnight Financing Rate. Under these arrangements, banks may pay interest based on a spread to one of these rates or may pay a fixed interest rate. Risk of Loss. All investment strategies and investments involve risk, and the value of your account will fluctuate. As a result, your account may be worth more or less than the amount of money or the value of the assets you invested. Past performance does not guarantee future results. Financial Advisor Compensation Assets under care will impact your financial advisor’s eligibility for a bonus and bonus amount. Assets under care may also impact a financial advisors’ eligibility for the receipt of certain limited partnership profits interest in The Jones Financial Companies, Money Market Funds Risk. Cash in your Transitional Retirement account may be invested in the Edward Jones Money Market Fund as a cash sweep vehicle. The Edward Jones Money Market Fund is affiliated with Edward Jones. Please refer to Appendix A for more information about the Edward Jones Money Market Fund. L.L.L.P. (the “Profits Interest”). This eligibility to receive bonus, bonus amounts, and/or certain Profits Interest creates a conflict of interest in that your financial advisor has an incentive to recommend you invest in an investment advisory account(s). Financial advisors are eligible to participate in the Edward Jones Travel Award Program (“Travel Award Program”), which includes domestic and international travel, or a cash award in lieu of a trip. Eligibility for the Travel Award Program is based upon the amount of new and existing assets under care of a financial advisor which creates an additional conflict of interest. Money market funds are a type of mutual fund that invests in high-quality, short-term debt securities, pays dividends that generally reflect short-term interest rates, and seeks to maintain a stable net asset value (“NAV”) per share (typically $1). An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund is managed to maintain a stable NAV of $1 per share, the value of the fund may fluctuate, and you could lose money. These financial incentives create a conflict between Edward Jones’ interest, your financial advisor’s interest, and your own. Cybersecurity Risk. The computer systems, networks and Page 5 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations Disciplinary Information This section contains information about certain legal and regulatory matters that Edward Jones believes are material to a client’s evaluation of its advisory business or the integrity of its management. Edward Jones has also been subject to various legal and regulatory proceedings relating to our other businesses that are disclosed in Part 1 of its Form ADV, which is available on the SEC’s website at www.adviserinfo.sec.gov, as well as on FINRA’s website at www.finra.org/brokercheck. devices used by Edward Jones and its service providers employ a variety of protections designed to protect against damage or interruption from computer viruses, network and computer failures and cyberattacks. Despite such protections, systems, networks and devices potentially can be breached. Cyberattacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data or causing operational disruption, as well as denial-of-service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Edward Jones or service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. FINRA – Municipal Securities Transactions Below Minimum Denominations. On June 2, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA’s Department of Market Regulation in connection with its investigation of possible violations of MSRB rules regarding transactions in certain municipal securities in amounts lower than the applicable minimum denominations. As part of the settlement, Edward Jones agreed to pay a monetary fine of $210,000. Economic Conditions Risk. Economic, political and financial trends and developments may, from time to time, result in periods of volatility or other potentially adverse effects that could negatively impact your account. Domestic and international markets, including sectors and companies within those markets, may respond in significant and unforeseen ways to matters such as public health issues, geopolitical events, natural disasters and social unrest. Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. Voting Proxies. When you open a Transitional Retirement account, you are solely responsible for voting proxies arising from any securities held in your account. Edward Jones will not take any action and will not render any advice regarding how to vote proxies arising from any securities held in your account. You may receive proxy-related materials and notices from Edward Jones or the applicable mutual fund or exchange-traded fund (“ETF”) sponsor, and you will be responsible for voting proxies. FINRA – Supervision of Tools-Generated Reports. On July 13, 2017, Edward Jones, without admitting or denying the findings, entered into a settlement agreement with FINRA in connection with its investigation of the supervision of the use and dissemination of reports generated through Edward Jones’ systems by financial advisors. FINRA expressly stated that its review of 65,000 reports did not reveal any instances of reports that were misleading. FINRA also stated that Edward Jones had made changes to enhance its supervisory processes. As part of the settlement, Edward Jones agreed to pay a monetary fine of $725,000. Legal Notices. Edward Jones will not take any action or render any advice regarding any legal action on your behalf relating to any assets held in your account (including shares of the Edward Jones Money Market Fund) that may become subject to any legal action, regulatory action, administrative action, class action lawsuit and/or bankruptcy. However, Edward Jones will promptly forward any such documents to you. Item 7: Client Information Provided to Edward Jones Client information provided to Edward Jones will be maintained in accordance with our privacy policies. FINRA – Call Detail Records Production and Preservation. On December 13, 2022, Edward Jones entered into a settlement agreement with FINRA without admitting or denying the findings therein. FINRA alleged Edward Jones violated FINRA Rules 8210(a)(1) and 2010 by (1) failing to timely, completely, and accurately respond to certain FINRA requests for call detail records that are not required broker-dealer books and records and (2) failing to preserve certain responsive call detail records during the pendency of regulatory requests. Edward Jones was censured, agreed to certify that it has established and implemented policies, procedures, processes and internal controls reasonably designed to address and remediate the issues identified by FINRA in the settlement, and agreed to pay a monetary fine of $1.1 million. Item 8: Client Contact with Edward Jones You may contact your Edward Jones financial advisor during normal business hours with questions regarding your Transitional Retirement account. State of Pennsylvania – Investment Adviser Registration. On January 12, 2024, Edward Jones and the Pennsylvania Department of Banking and Securities entered into a Consent Order. The Department alleged that from in or about January 2015 through the present, Edward Jones failed to register at least one employee as an investment adviser representative in Pennsylvania in violation of Section 301(c.1)(1)(ii) of the Pennsylvania Securities Act of 1972 (“the 1972 Act”), 70 P.S. § 1-301(c.1)(1)(ii). Without admitting or denying the findings in the Order, Edward Jones agreed to pay a monetary fine of $300,000 Page 6 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com and to comply with the relevant provision of the 1972 Act. investment products. Edward Jones and its financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in a Transitional Retirement account. The following summarizes Edward Jones’ material relationships or arrangements with other entities that participate in the financial industry. Edward Jones, the primary operating subsidiary of JFC, is dually registered with the SEC as an investment adviser and broker- dealer, and is a member of FINRA. Olive Street, a wholly owned subsidiary of JFC, is registered as an investment adviser with the SEC and serves as the investment adviser of certain affiliated mutual funds. Certain current or former associates of Edward Jones serve as officers or directors/trustees of the affiliated investment adviser and/or the affiliated mutual funds. Appendix A contains a detailed discussion of our affiliation with the Edward Jones Money Market Fund. SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement with the SEC in connection with the SEC’s industry-wide investigation into the preservation of electronic communications pursuant to applicable recordkeeping provisions of Section 17(a) of the Securities Exchange Act of 1934 (“Exchange Act”) and Section 204 of the Investment Advisers Act of 1940 (“Advisers Act”) and supervisory provisions of Section 15(b)(4)(E) of the Exchange Act and Section 203(e)(6) of the Advisers Act, and applicable rules thereunder. Edward Jones fully cooperated with the SEC’s investigation and has enhanced its policies and procedures concerning the use of approved communication methods. The settlement imposes a cease-and-desist order and censure, requires Edward Jones to pay a civil monetary penalty of $50 million, and requires Edward Jones to comply with undertakings including the retention of an independent compliance consultant to assess the firm’s policies and systems regarding electronic communications recordkeeping and assist Edward Jones in further enhancing those policies and systems. Edward Jones, an Ontario limited partnership (Edward Jones in Canada), an indirectly wholly owned subsidiary of JFC, is a broker-dealer registered with the Canadian Investment Regulatory Organization. EJTC, a wholly owned subsidiary of JFC, is a federally chartered savings and loan association that offers personal trust and investment management services. EJTC also acts as custodian for certain traditional IRAs and Roth IRAs that are participating, or have participated, in Edward Jones programs. For additional information about this arrangement, please see Item 4. Edward Jones owns directly or indirectly 100% of three insurance agencies that conduct insurance-related activities in the U.S.: Edward Jones Insurance Agency of New Mexico, L.L.C., a New Mexico limited liability company; Edward Jones Insurance Agency of Massachusetts, L.L.C., a Massachusetts limited liability company; and Edward Jones Insurance Agency of California, L.L.C., a California limited liability company. JFC indirectly owns 100% of two insurance agencies that conduct general insurance-related activities in Canada: Edward Jones Insurance Agency (Quebec) Inc., a Canadian corporation; and Edward Jones Insurance Agency, an Ontario, Canada, limited partnership. Multistate Supervision Investigation. As announced by the North American Securities Administrators Association (“NASAA”) on January 8, 2025, a coordinated investigation into Edward Jones’ supervision of financial advisors who serviced brokerage customers who hired the firm’s investment adviser to manage some or all of the customers’ securities investments during the period of approximately July 1, 2016 to June 30, 2018 (the “Investigation”) has been conducted by a multistate task force, coordinated among members of the NASAA, with Texas and Montana serving as the lead states for the other 48 states and 3 U.S. territories participating in the Investigation (together the “Investigation Participants”). Specifically, the Investigation focused on whether Edward Jones had reasonably designed procedures to precisely apply the holding period of a Class A share mutual fund purchase relative to the fee offsets provided when brokerage clients holding these security types transferred to an Edward Jones advisory offering. Without admitting or denying the findings of facts or conclusions of law set forth in the orders issued by each Investigation Participant, Edward Jones agreed to pay each Investigation Participant $320,754.72 in administrative monetary fines, as well as an additional $15,000 in costs to certain states, that resulted in a total monetary fine of $17.25 million. Edward Jones owns 7% of Customer Account Protection Company Holdings, Inc. (CAPCO), a captive insurance group. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a Missouri captive insurance company. B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Edward Jones has established a Code of Ethics to ensure that our associates: Other Financial Industry Activities and Affiliations You should be aware that Edward Jones, its affiliates and its financial advisors perform services for you and other clients outside of Transitional Retirement, including the execution of brokerage transactions (e.g., the purchase or sale of securities or insurance products), the retail distribution of securities (e.g., mutual funds), the participation in principal transactions and certain underwritings and other investment advisory services. Edward Jones and its affiliates receive compensation, including fees and commissions, associated with these services. We have a financial interest in our clients’ transactions and the recommendations we make to clients to buy or sell securities or Page 7 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com • act with integrity and in an ethical manner with you and all of our clients; • place your and all of our clients’ interests first; • conduct personal trading in compliance with our Code of Ethics, avoid potential conflicts of interest and make sure they do not abuse the faith and trust you have placed in them; • comply with all applicable rules, regulations and laws; and • do not use any material nonpublic information they may receive as a result of their employment with Edward Jones. an Edward Jones Advisory Program. Edward Jones enters into written agreements with such third parties governing the paid solicitor arrangements. Paid solicitor arrangements create a conflict of interest as the third party has an incentive to recommend prospects engage with an Edward Jones financial advisor and, where the third party compensation is dependent upon the client enrolling in an Edward Jones Advisory Program, the third party has an incentive to recommend the prospect enroll in an Edward Jones Advisory Program. In addition to the paid solicitor arrangements disclosed above, from time to time, our financial advisors receive uncompensated referrals from other professionals or clients. Our financial advisors also may provide uncompensated referrals to other professionals. Other than in connection with Edward Jones approved solicitor arrangements, Edward Jones policy prohibits financial advisors from purchasing or providing any compensation, cash or non-cash, directly or indirectly, in exchange for appointments or referrals. The purchase of lists (such as mailing or calling lists), by Edward Jones and our financial advisors, from third parties does not involve solicitation or referrals to Edward Jones. Some Edward Jones associates are deemed “access persons” under our Code of Ethics because they may have access to nonpublic information regarding either the securities in a client’s accounts or changes to eligible investments, including asset allocations. Under our Code of Ethics, access persons must receive prior approval before acquiring a beneficial ownership interest in any security in an initial public offering, limited offering or hedge fund transaction. Additionally, access persons are required to submit to the chief compliance officer, or his or her delegate, a list of any securities they own and securities transactions they made for any account they control at Edward Jones or another financial institution. You may request a copy of the Edward Jones Code of Ethics from your financial advisor. From time to time, affiliates of Edward Jones make and/or maintain investments in other firms, including financial services firms, that we utilize, in part, to deliver the service offerings of an Edward Jones Advisory Program. Such investments in these firms by our affiliates can influence our decision to incorporate such product or service offering into an Edward Jones Advisory Program. Edward Jones has internal supervisory reviews and procedures to review accounts held by our associates and certain family members and their personal trading practices. The reviews look for improper trading activities, including trading that may be in conflict with the best interests of a client. In addition to the Code of Ethics and the supervisory reviews, we prohibit financial advisors from placing trades for their personal accounts before trades for our clients in the same security. In the event a financial advisor’s personal order fills at a better price than a client’s order placed close in time, we will adjust the trade so the client receives the better price. Edward Jones has contracted with Broadridge Investor Communications Solutions, Inc. (“Broadridge”), an unaffiliated third-party vendor, to distribute proxies, periodic reports and voting instruction information to our clients. Pursuant to the agreement between Edward Jones and Broadridge, and in accordance with regulations, Broadridge charges the issuing company on behalf of Edward Jones for these services. Edward Jones receives from Broadridge a portion of the fees paid by the issuing company. Financial Information This section does not apply to Edward Jones. Review of Accounts You should review trade confirmations (as applicable), account statements and other information we send to you. Current and timely information about your account will be available in Edward Jones’ online client access system. If you have any questions, please discuss them with your financial advisor. Item 10: Requirements for State-Registered Advisers Client Referrals and Other Compensation This section does not apply to Edward Jones. From time to time, Edward Jones and our financial advisors pay for client referrals and potential client leads from third parties (“paid solicitor arrangements”). The third parties providing the referrals and leads are not affiliated with Edward Jones. The compensation paid to third parties can include a flat-fee or subscription fee that is not dependent on whether a referral or lead becomes an Edward Jones client or an ongoing fee that is stated as a percentage of the Transitional Retirement Fee or the fee of other advisory programs offered at Edward Jones (collectively referred to as “Edward Jones Advisory Program”), which is dependent upon the referral or lead becoming a client in Page 8 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Appendix A Disclosures Regarding Affiliated Money Market Fund Edward Jones Money Market Fund. Your Transitional Retirement account may from time to time be invested in shares of the Edward Jones Money Market Fund (the “Money Market Fund”), which is advised by Olive Street Investment Advisers, LLC (“Olive Street”), an affiliate of Edward Jones. Olive Street receives a management fee of 0.20% of average net assets of the Money Market Fund, less any fees paid to its sub-adviser(s). The Money Market Fund declares dividends daily and pays them monthly to shareholders. Whether a dividend is accrued for a shareholder on a particular day is based on the Money Market Fund’s current yield and the size of the shareholder’s investment in the Money Market Fund. If a shareholder’s investment in the Money Market Fund is not large enough to result in a dividend of at least half a penny on a particular day, no dividend is accrued for the shareholder for that day. This fraction of a penny is not credited to the shareholder’s account nor is it aggregated with past or future unpaid fractions of a penny when determining whether a shareholder’s daily dividend equals at least a half penny on a particular day. Rather, this fraction of a penny is retained by the Money Market Fund as part of its overall fund assets, which are used to determine the Money Market Fund’s daily dividend calculation to all shareholders. The Money Market Fund pays a Rule 12b-1 fee of up to 0.25% of average net assets to Edward Jones for providing distribution and shareholder services to shareholders of the Money Market Fund’s Investment Shares and Retirement Shares, and an Administrative Shareholder Service Fee up to 0.15% of average net assets to Edward Jones for providing administrative services, including banking administrative services and sweep administrative services, to shareholders. Edward Jones provides distribution services, shareholder services, administrative services, and transfer agent services to the Money Market Fund and the accounts that its clients maintain in the Money Market Fund. For any Transitional Retirement account investing in the Money Market Fund, Edward Jones, or an affiliate, will apply a fee offset equal to the amount of the Money Market Revenue received by Edward Jones, or an affiliate, with respect to such account. Please review the current summary prospectus for the Money Market Fund, which describes the investment characteristics of the Money Market Fund and the fees paid to Olive Street or its affiliates by the Money Market Fund. The prospectus also describes certain revenue received by Edward Jones in connection with the Money Market Fund. Page 9 of 10 LGL-10433R-A-E-PB REV. MAR 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.