Edward Jones

Edward Jones Digital Managed Solutions™ Program Brochure as of August 18, 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 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  Item 2: Material Changes This is the initial version of the Digital Managed Solutions wrap fee pilot program brochure; therefore, there are no material changes to report. 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 ....................................................................... 9 Item 6: Digital Managed Solutions Fund Investment Selection and Evaluation ...........................10 Item 7: Client Information Provided to Edward Jones ....................................................................12 Item 8: Client Contact with Edward Jones .......................................................................................12 Item 9: Additional Information ...........................................................................................................13 A. Disciplinary Information and Other Financial Industry Activities and Affiliations ............................. 13 B. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading; Review of Accounts; Client Referrals and Other Compensation; and Financial Information ........................... 14 Item 10: Requirements for State-Registered Advisers ...................................................................16 Appendix A ..........................................................................................................................................17 Disclosures Regarding Affiliated Money Market Fund and Mutual Funds ....................................17 Page 2 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Item 4: Services, Fees and Compensation Before investing in Digital Managed Solutions, you should decide if you are comfortable delegating the day-to-day management of your account. Investors in Digital Managed Solutions 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, the pilot offering of Edward Jones Digital Managed Solutions™ (“Digital Managed Solutions”), 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 Digital Managed Solutions. fees for investments and advice rather than individual, transaction-based commissions or sales charges In evaluating the costs of an advisory program, 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 program in other fee-based advisory programs or brokerage accounts 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 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 Digital Managed Solutions may be lower or higher than if you purchased the investments or services separately or through another offering at Edward Jones or through another broker-dealer or investment adviser. Because Digital Managed Solutions 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 Digital Managed Solutions to you. Edward Jones acts as a fiduciary with respect to the services provided through Digital Managed Solutions; however, those services are limited to the model-based investment approach described in this Brochure. Other services you obtain through Edward Jones, including other investment advisory and brokerage services, are separate and distinct from Digital 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. Digital Managed Solutions accounts and other advisory accounts offered through Edward Jones provide ongoing investment advice and other services for an asset-based fee, depending on the specific value of your account, 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. The decision to invest in Digital Managed Solutions is yours. If you decide to invest in Digital 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. Digital Managed Solutions Overview Digital Managed Solutions is a discretionary, digitally managed, model-based wrap fee program in which you can combine multiple investments in a single advisory account. Edward Jones does not provide continuous monitoring of accounts. Instead, accounts are reviewed periodically for alignment with the selected investment model, and any resulting adjustments are made in accordance with the program’s defined review and operational processes. As a result, your account may deviate from its target allocation between review periods. You may have access to financial advisors on a limited, as-needed basis through digital or remote channels (referred to collectively as “remote financial advisors”, or individually as “remote financial advisor”). Advisor interactions are limited in scope, provided on an as-needed basis, and do not include continuous monitoring or Page 3 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  ongoing individualized portfolio management. 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. Digital Managed Solutions is currently offered as a pilot on a limited basis. As we continue to evaluate this offering, Edward Jones may make changes to the program, including its features, functionality, and service characteristics. 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. Eligible Investments. Digital Managed Solutions offers investments in mutual funds, exchange-traded funds (“ETFs”) and unaffiliated money market funds (collectively referred to as “Eligible Investments” or individually an “Eligible Investment”). Edward Jones selects the Eligible Investments that are available in Digital Managed Solutions. 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. 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. Edward Jones categorizes these Eligible Investments by investment style, which we refer to as “Asset Allocation Categories.” Account Portfolio Objective. In order to invest in Digital 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. Based on your selected investment model that aligns to your portfolio objective for your Digital Managed Solutions account (your “Account Portfolio Objective”), Digital Managed Solutions 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. 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. When your account has a cash balance awaiting investment, such monies will automatically be swept into an affiliated money market fund, the Edward Jones Money Market Fund (“Money Market Fund”). This money will be held in the Money Market Fund until invested in an Eligible Investment. The Money Market Fund is not available to purchase as an Eligible Investment in your Account. Please refer to Appendix A for more information about the Money Market Fund. Based on information you provide us in your Client Profile, Edward Jones 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. Account Portfolio Objectives in Digital Managed Solutions currently include: 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 cash allocation in your investment model, which increases the cash you hold in your account. The portion of your Digital Managed Solutions account that is held in the Money Market Fund or other cash vehicles will be included in the calculation of your Digital Managed Solutions Fee (defined below). 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 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 Page 4 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com 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. Certain account activity, including contributions, withdrawals, and the reinvestment of distributions, may result in trades to maintain general alignment with the model. These adjustments are operational in nature and do not constitute ongoing monitoring. As a result, your portfolio may deviate, including significantly, from the target allocation of your selected investment model between review periods. 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 Digital Managed Solutions. Edward Jones is solely responsible for determining, and periodically reviewing, the Asset Allocation Category targets and ranges. Brokerage Services. Digital Managed Solutions 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. Due to various influences, such as changing market conditions, we may change the asset allocation or target weighting of an Account Portfolio Objective. If Edward Jones updates the asset allocation or target weighting of an Account Portfolio Objective, your account will be rebalanced to align with the updated allocation at times and in the manner specified in the monitoring and rebalancing framework described in this Brochure. Once you have selected your Account Portfolio Objective, you select an investment model that is consistent with your chosen Account Portfolio Objective. Digital Managed Solutions trades can be 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 Digital Managed Solutions Fee could potentially be higher. Investment Models. Edward Jones has complete control over the creation and ongoing management of the investment models offered in Digital Managed Solutions. Specifically, investment models are pre-constructed by Edward Jones using Eligible Investments and invest your money into pre-determined percentages (target weightings) across different Asset Allocation Categories. A select list of Eligible Investments is used to construct defined investment models. Edward Jones can make changes to the investment models at any time, without first giving you notice, including changing the Eligible Investments and/or changing the amount of your money that is invested in the different Asset Allocation Categories. 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 your account is taxable, changes will cause transactions in the account, and these transactions can have 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.) Further, Edward Jones exercises discretion within the parameters of the investment models and operational features described in this Brochure. We can remove and/or add one or more Eligible Investments to your investment model at any time without prior notice. If Edward Jones retires an investment model you selected, then Edward Jones will, without prior notice to you, select and implement a replacement investment model for your account. Monitoring and Rebalancing Digital Managed Solutions is a model-based investment program with limited ongoing monitoring. After the initial investment of assets, Edward Jones does not continuously monitor accounts to detect or respond to market-driven changes in portfolio allocation. Trade Allocation. From time to time, the volume and/or number of trades that must be executed for Digital Managed Solutions accounts may exceed Edward Jones’ operational and technological capacities if these trades are made on a single day. This may occur when Edward Jones removes an Eligible Investment, rebalances a large number of accounts, or processes high trading volume. In order to maintain the orderly processing of trades and to minimize the incidence of errors, Edward Jones may allocate trades over multiple days to manage operational capacity and maintain orderly execution. 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. Accounts are reviewed for alignment with the selected investment model periodically, generally on an annual basis. Outside of these reviews, accounts will not be rebalanced solely due to changes in market conditions. 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 Page 5 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com 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 • Collecting dividends, interest and proceeds from any sales • Removing Eligible Investments from the list of Eligible Investments and your account; 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. • Replacing an Eligible Investment in your account with another recommended Eligible Investment; Trading in Digital Managed Solutions is subject to the trading policies and restrictions determined by Edward Jones. Edward Jones exercises time and price discretion for all trades. • 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; 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. • Determining the asset allocations and changing an asset allocation at any time; • Adding and removing Asset Allocation Categories, which could 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; 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. • Investing funds and reinvesting all dividends and proceeds earned by your account into Eligible Investments; Custody. Assets in your account are held at Edward Jones as broker-dealer. As custodian, Edward Jones is responsible for: • Safekeeping your funds and securities • Collecting dividends, interest and proceeds from any sales • Automatically buying and selling Eligible Investments to rebalance your account to the target asset allocation in accordance with the monitoring and rebalancing framework described above; • Disbursing funds from your account • Deducting cash or selling money market shares and other assets for Digital Managed Solutions Fees and deducting the proceeds from your account to pay Edward Jones your Digital Managed Solutions Fee; 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 will also receive mutual fund and ETF prospectuses, when applicable. Please review your account statements carefully and notify us immediately if you detect an error or a discrepancy. • Determining the appropriate mutual fund share classes for Digital 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; • Terminating your CSA at any time; • Liquidating the Eligible Investments in your account if your CSA is terminated; Investment and Trading Discretion. When you decide to invest in Digital 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. Edward Jones exercises discretion within the parameters of the investment models and operational features described in this Brochure. • Converting mutual fund shares from an existing share class to a share class available outside of your Digital Managed Solutions account if your CSA is terminated; and You do not give us the authority to choose or change your Account Portfolio Objective. • Implementing any reasonable restrictions. Edward Jones exercises discretion within defined model parameters; however, it does not continuously monitor accounts or make discretionary adjustments outside the program’s structured review and rebalancing processes. 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. The discretionary investment and trading authority you give to Page 6 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com taxable event as well as additional fees and expenses. 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. Termination of Digital Managed Solutions Services. You or Edward Jones may terminate your participation in Digital Managed Solutions at any time without any advisory termination fee. While oral instructions to terminate your participation in Digital Managed Solutions are generally acceptable, Edward Jones, in our sole discretion, may require written notice in order to terminate Digital Managed Solutions advisory services for 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. Upon notice of termination of your Digital Managed Solutions 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 Digital 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. Fees The Digital Managed Solutions Fee covers certain advisory, execution, and custodial services. Every Digital Managed Solutions account pays asset-based fees (referred to as your “Digital Managed Solutions Fee”). The Digital Managed Solutions Fee is assessed at an annual fee rate of 0.65%. You will incur additional costs, including fund-level expenses and other fees not included in the Digital Managed Solutions Fee, which will affect your overall investment returns. 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. The Digital Managed Solutions Fee covers certain investment advisory services, including initial assessment and ongoing evaluation based on information you provide regarding your investment needs and objectives; limited ongoing review of your account for alignment with the selected investment model; access to remote financial advisors through digital or remote channels; selection and maintenance of the investments included in this program’s pre-constructed investment models; investment policy guidance used in connection with the construction and periodic review of investment models; periodic performance reporting; custody and transaction execution services; and support and maintenance of your account, including trading and risk tools, training and education, maintenance and enhancement of the program’s technology platform, and other related services as described in this Brochure. In the event Edward Jones is notified by a receiving firm that a transfer of securities in your Digital 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. In addition to your Digital Managed Solutions Fee, Eligible Investments, including ETFs, affiliated mutual funds and 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 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. • How the fees and expenses are calculated and paid • Potential fee offsets you may receive from Edward Jones 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. How the Digital Managed Solutions Fee Is Calculated The Digital Managed Solutions 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. The Digital Managed Solutions Fee is comprised of Liquidation of securities held in your account may cause a Page 7 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  fees assessed at an annual fee rate (listed above), payable monthly in arrears. your Digital Managed Solutions Fee from another eligible Edward Jones account that has an identical ownership structure as your Digital Managed Solutions account. The fees assessed by Edward Jones will reduce your account’s overall returns and performance. The Digital Managed Solutions Fee is charged to your account each month in arrears. If your account is open for part of a month, then your Digital Managed Solutions 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. Internal Fees and Expenses of Mutual Funds and ETFs, Including Redemption Fees 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 Digital Managed Solutions 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 Digital Managed Solutions. Potential Fee Offsets to the Digital Managed Solutions Fee Depending on certain factors, you may be eligible to receive fee offsets to your Digital Managed Solutions Fee, as described below. Internal fees and expenses are in addition to the Digital Managed Solutions 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. 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. 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. 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. 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 Digital Managed Solutions Fee Although the Digital Managed Solutions Fee covers certain advisory, execution, and custodial services, you will still incur other fees and expenses in connection with your account that are not included in the Digital Managed Solutions Fee and will affect your overall investment returns. These additional fees and expenses include, but are not limited to: 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. • Internal expenses of mutual funds and ETFs, including management fees and operating expenses; • Fees imposed by fund companies, such as redemption or short-term trading fees and contingent deferred sales charges; • Taxes on transactions, dividends, or gains in your account; • Fees and charges that may apply after termination of the program, including brokerage commissions, account transfer fees, and other account-related charges; • Transaction-related fees such as wire transfer fees, electronic fund transfer fees, and other administrative or service fees. As a result, the total cost of investing in Digital Managed Solutions will be higher than the Digital Managed Solutions Fee alone. How the Digital Managed Solutions Fee Is Paid The Digital Managed Solutions 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 invested in your account to pay the Digital Managed Solutions 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 Page 8 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com We have provided you with materials that explain our brokerage and investment advisory services, including our Client Relationship Summary (“CRS”) brochure. Copies are available at www.edwardjones.com/regbidisclosures or by contacting a remote financial advisor. You may contact a remote financial advisor with questions about our Client Relationship Summary and the services described in it. Cash and Sweep Practices Deposits, including interest and dividends, received into your account but not yet invested may earn interest that is retained by Edward Jones. Edward Jones may also earn and retain interest on distributions requested from your account until the time payment is completed. The interest rate on these amounts may fluctuate and is generally linked to short-term market interest rates. Item 5: Account Requirements and Types of Clients Cash balances in your account may generate interest that is retained by Edward Jones. This creates a conflict of interest because Edward Jones has an incentive to retain cash balances in your account, which may be inconsistent with your interest in having cash invested. Edward Jones maintains policies and procedures designed to manage this conflict. Cash retained in your account may not be invested in accordance with your selected investment model, may reduce potential investment returns, and may result in your account deviating from its target allocation. Digital Managed Solutions offers an individual, taxable investment account. The minimum amount required to open a Digital Managed Solutions account is $5,000. Funding your account can only be done with cash. The cash you deposit to initially fund your account will be held by Edward Jones until the $5,000 minimum is met. Once the minimum is met, Edward Jones will purchase the Eligible Investments in quantities that align to the asset allocation parameters set by the investment model you selected. Financial Advisor Compensation The following describes how remote financial advisors are compensated and related conflicts of interest. The total value of your account is monitored by Edward Jones. If the value of your account falls below the minimum account opening requirement of $5,000, Edward Jones may, in its discretion, remove your account from Digital Managed Solutions. The remote financial advisors servicing Digital Managed Solutions receive a salary, as well as, at the discretion of Edward Jones, a merit based bonus. Edward Jones offers clients a wide range of financial services. Digital Managed Solutions may not be appropriate for every client or every account type. Generally, Digital Managed Solutions is available only to residents or entities of the United States and certain U.S. territories with the following types of account: individual, taxable investment 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 remote 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. Edward Jones can prohibit any person from investing or remaining in Digital Managed Solutions for any reason, including if we do not believe it is an appropriate investment strategy for that person. As a general rule, you should not invest in Digital Managed Solutions if you want to actively trade in mutual funds and/or ETFs, have a time horizon shorter than three (3) years, or want to work with a dedicated financial advisor. 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 Your Digital Managed Solutions Fee is a fee for investment advisory, brokerage and custody services, as well as platform support. Digital 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 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 investment model and in a manner that attempts to minimize variations in the asset allocation and target weightings within your account. 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. 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. You can choose to forgo the services of Digital 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). Mutual fund shares held in your Digital 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 Page 9 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  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 Digital 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 Digital Managed Solutions. Assets in your Digital Managed Solutions account will not be used to pay any adjustment(s) that apply in the event you fail to satisfy the LOI. • 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 • A decision by Edward Jones to reduce our ownership level of a 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: If you request a transfer of securities from your Digital 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 Digital 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 may result in higher fees and expenses and negatively affect investment performance and liquidations may cause a taxable event. (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. The Money Market Fund may not be held outside of your Edward Jones investment advisory account. Any position in the Money Market Fund will be liquidated if you move from your Digital Managed Solutions account to an Edward Jones Select brokerage account or account at another financial institution. Item 6: Digital Managed Solutions Fund Investment Selection and Evaluation The appropriate asset allocation ranges for each Account Portfolio Objective are based on the Edward Jones Investment Pyramid. Target allocations for each investment model 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 model. The overall asset allocation and target weightings within each model are monitored for changes to the Eligible Investments or sub-advisers as deemed necessary. Digital Managed Solutions is a wrap fee program sponsored by Edward Jones. Edward Jones-supervised persons serve as portfolio managers for the investment models available in Digital Managed Solutions. 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. 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 annually if the Eligible Investments comprising your portfolio have deviated too far from the target asset allocations. Rebalancing is achieved by buying, redeeming or selling shares of Eligible Investments, 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 an Eligible Investment is added to the investment model. Methods of Analysis, Investment Strategies and Risk of Loss Edward Jones selects the Eligible Investments available in Digital Managed Solutions based on several factors. The selection process starts with the universe of applicable funds, 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. 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 Digital Managed Edward Jones continually reviews Eligible Investments to ensure Page 10 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com Solutions. Clients should not assume they will be invested in the share class with the lowest expense ratio. 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 generally attempts to select institutional and/or advisory share classes for Digital 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. 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. 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 Digital 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. Please refer to the appropriate prospectus and SAI for more information regarding the available share classes of mutual funds used in Digital Managed Solutions. In our sole discretion, Edward Jones can change the share class of any Eligible Investment at any time without prior notice to you. 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 Digital Managed Solutions. A prospectus containing this and other information about each Eligible Investment can be obtained from your remote financial advisor. 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. 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 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. 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. The Fund prospectus and other fund documents describe the risks specific to the fund. Share Classes. Mutual funds used in Digital 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. 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. Edward Jones considers several factors when selecting a mutual fund share class for Digital Managed Solutions, including, but not limited to, the eligibility criteria set by mutual fund companies and the overall cost structure of the share class. 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 Page 11 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com for all Digital Managed Solutions accounts unless the client specifically retains the right to vote proxies. 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. When you invest in Digital 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 have also authorized 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. 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. 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. If you want to retain your right to vote proxies, you must inform Edward Jones that we are not to vote on your behalf. 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. 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. 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. Item 7: Client Information Provided to Edward Jones Those matters, as well as others not listed here, may increase the risk to your account’s performance and cause losses. 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 a remote financial advisor during normal business hours with questions regarding your account. Wrap Fee Programs We act as both the wrap fee program sponsor and the portfolio manager with the investment models described in this Brochure. We receive the Digital Managed Solutions Fee as described in Item 4. We also act as both the wrap fee program sponsor and the portfolio manager in other Edward Jones advisory programs. Additional information is available at www.edwardjones.com/advisorybrochures. Item 9: Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations Disciplinary Information This section contains information about certain legal and 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 Page 12 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  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. 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 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, its affiliates and its financial advisors perform services for you and other clients outside of Digital 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. 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- SEC Off-Channel Communications Platforms Investigation. On August 14, 2024, Edward Jones entered into a settlement Page 13 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com 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. advisers that also provide products or services in Digital Managed Solutions. 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, its 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. JFC indirectly owns 100% of EDJ Insurance Company, Inc., a 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; Review of Accounts; Client Referrals and Other Compensation; and Financial Information Edward Jones does not receive revenue sharing on assets held in Digital Managed Solutions accounts. For more information regarding revenue sharing, please visit www.edwardjones.com/ disclosures or request a revenue sharing disclosure document from your team of remote financial advisors. 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 Edward Jones and its financial advisors also receive compensation for services and recommendations that may differ from advice given to you while participating in Digital Managed Solutions. our clients • 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. 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. 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 a remote financial advisor. 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 Digital Managed Solutions 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 Digital Managed Solutions buy securities that are also available in Digital Managed Solutions. These brokerage activities are done in the regular course of our business as a Page 14 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com 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. 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 team of remote financial advisors. At least annually, you will review your account information and affirm such information or inform Edward Jones what has changed with your financial situation, investment objectives and/or risk tolerance. If you decide to pursue a different Account Portfolio Objective, your account may be rebalanced to match your new Account Portfolio Objective. Edward Jones associates, including remote financial advisors, branch-based financial advisors, and those directly involved with Digital Managed Solutions, as well as their family members, may invest in Digital 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. To address this potential conflict, trades for Edward Jones associates 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 its branch-based 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. Alternatively, it may be an ongoing fee that is stated as a percentage of the Digital Managed Solutions Fee or of the fee from a different advisory program 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 branch-based financial advisors receive uncompensated referrals from other professionals or clients. These financial advisors also may provide uncompensated referrals to other professionals. Review of Accounts At the time your Digital Managed Solutions 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 Digital Managed Solutions 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 Digital Managed Solutions, including the fees and expenses you are or will be paying. While you are invested in Digital Managed Solutions, we provide periodic 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.”) More generally, Edward Jones policy prohibits all financial advisors, other than in connection with Edward Jones approved solicitor arrangements, 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 its 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 Edward Jones has contracted with Broadridge Investor Page 15 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com  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 16 of 17 IAS-23158-A-E-PB AUG 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 Digital 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. 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 of 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 Digital 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. 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 17 of 17 IAS-23158-A-E-PB AUG 2026 © 2026 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD > edwardjones.com This page is intentionally left blank.