Renaissance Advisors

F O R M A D V P A R T 2 A D I S C L O S U R E B R O C H U R E Office Address: 602 Steed Road, Suite 110 Ridgeland, MS 39157 Tel: 601-714-1034 Email: bheadley@renadv.com ekelly@renadv.com Website: www.renadv.com July 30, 2026 This brochure provides information about the qualifications and business practices of Renaissance Advisors. Being registered as an investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 601-714-1034. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities authority. A D D I T I O N A L I N F O R M A T I O N A B O U T R E N A I S S A N C E A D V I S O R S ( C R D # 1 7 5 2 5 4 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V  Item 2: Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous release of the Firm Brochure. Material Changes since the Last Update Since the last filing on March 2, 2026, the following changes have occurred: • Item 4 has been updated with the firm’s most recent assets under management calculation. • Brochure has been amended to reflect a change in the Chief Compliance Officer for the firm. Full Brochure Available This Firm Brochure being delivered is the complete brochure for the Firm.  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes .................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Update.................................................................................................................. ii Full Brochure Available .................................................................................................................................................. ii Item 3: Table of Contents ................................................................................................................... iii Item 4: Advisory Business .................................................................................................................. 1 Firm Description ............................................................................................................................................................... 1 Types of Advisory Services ........................................................................................................................................... 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 3 Wrap Fee Programs ......................................................................................................................................................... 3 Client Assets under Management .............................................................................................................................. 3 Item 5: Fees and Compensation ....................................................................................................... 3 Method of Compensation and Fee Schedule .......................................................................................................... 3 Client Payment of Fees ................................................................................................................................................... 5 Additional Client Fees Charged ................................................................................................................................... 5 Prepayment of Client Fees ............................................................................................................................................ 5 External Compensation for the Sale of Securities to Clients ........................................................................... 5 Item 6: Performance-Based Fees and Side-by-Side Management ........................................ 6 Sharing of Capital Gains ................................................................................................................................................. 6 Item 7: Types of Clients ....................................................................................................................... 6 Description .......................................................................................................................................................................... 6 Account Minimums .......................................................................................................................................................... 6 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................ 7 Methods of Analysis ......................................................................................................................................................... 7 Investment Strategy ........................................................................................................................................................ 7 Security Specific Material Risks .................................................................................................................................. 7 Item 9: Disciplinary Information ..................................................................................................... 9 Criminal or Civil Actions ................................................................................................................................................ 9 Administrative Enforcement Proceedings ............................................................................................................. 9  Self- Regulatory Organization Enforcement Proceedings ............................................................................... 9 Item 10: Other Financial Industry Activities and Affiliations ............................................. 10 Broker-Dealer or Representative Registration ................................................................................................. 10 Futures or Commodity Registration ...................................................................................................................... 10 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................ 10 Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ............. 10 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................................................................................................................................................... 10 Code of Ethics Description ......................................................................................................................................... 10 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest. 11 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest 11 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest .................................................................................................................. 11 Item 12: Brokerage Practices ......................................................................................................... 11 Factors Used to Select Broker-Dealers for Client Transactions ................................................................. 11 Aggregating Securities Transactions for Client Accounts ............................................................................. 14 Item 13: Review of Accounts ........................................................................................................... 14 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ............................................................................................................................................................................. 14 Review of Client Accounts on Non-Periodic Basis ........................................................................................... 15 Content of Client Provided Reports and Frequency ........................................................................................ 15 Item 14: Client Referrals and Other Compensation ................................................................ 15 Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest ............................................................................................................................................................................... 15 Advisory Firm Payments for Client Referrals .................................................................................................... 15 Item 15: Custody .................................................................................................................................. 15 Account Statements ...................................................................................................................................................... 15 Item 16: Investment Discretion ..................................................................................................... 15 Discretionary Authority for Trading...................................................................................................................... 15 Item 17: Voting Client Securities ................................................................................................... 16 Proxy Votes ...................................................................................................................................................................... 16 Item 18: Financial Information ...................................................................................................... 16 Balance Sheet .................................................................................................................................................................. 16  Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 16 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 16 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 18 Principal Executive Officer – Blake Headley....................................................................................................... 18 Item 2 - Educational Background and Business Experience ....................................................................... 18 Item 3 - Disciplinary Information ........................................................................................................................... 19 Item 4 - Other Business Activities ........................................................................................................................... 19 Item 5 - Additional Compensation .......................................................................................................................... 19 Item 6 - Supervision ..................................................................................................................................................... 20  Item 4: Advisory Business Firm Description Renaissance Holdings, LLC DBA Renaissance Advisors (“Renaissance”, “We”, “Our”) was founded in 2013 and became registered as an investment advisor in 2015. Blake Headley is 100% owner. Ethan Kelly is the Chief Compliance Officer. Types of Advisory Services ASSET MANAGEMENT Renaissance offers discretionary asset management services to advisory Clients. Renaissance will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The Client will authorize Renaissance discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. ERISA PLAN SERVICES Renaissance provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans. Renaissance will act as a 3(21) advisor. Limited Scope ERISA 3(21) Fiduciary. Renaissance may serve as a limited scope ERISA 3(21) fiduciary that can advise, help and assist plan sponsors with their investment decisions. As an investment advisor Renaissance has a fiduciary duty to act in the best interest of the Client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using Renaissance can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services are: • Provide investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options. Renaissance acknowledges that it is a fiduciary as defined in ERISA section 3 (21) (A) (ii). • Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS. • Provide investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5) and 404(a)-5. • Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and - 1 -  conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options. • Meet with Client on a periodic basis to discuss the reports and the investment recommendations. 2. Non-fiduciary Services are: • Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands Renaissance’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, Renaissance is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. Renaissance will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan. • Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. Renaissance may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Renaissance and Client. 3. Renaissance has no responsibility to provide services related to the following types of assets (“Excluded Assets”): • Employer securities; • Real estate (except for real estate funds or publicly traded REITs); • Stock brokerage accounts or mutual fund windows; • Participant loans; • Non-publicly traded partnership interests; • Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or • Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in calculation of Fees paid to Renaissance on the ERISA Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. FINANCIAL PLANNING Financial planning services are available for any applicable topics that the Client would like reviewed. Typical topics reviewed may include but are not limited to: financial goals, personal financial consulting, investment analysis, retirement strategy, cash flow analysis, risk management, long-term investment and estate preservation. If a conflict of interest exists between the interests of Renaissance and the interests of the Client, the Client is under no obligation to act upon any recommendation. Implementation of any recommendations will be at the discretion of the Client. If the Client elects to act on any of the recommendations, the Client is under no obligation to affect the transaction - 2 -  through Renaissance. Financial plans will be completed and delivered within sixty (60) days contingent on the timely delivery of all applicable documents from the Client. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent. Wrap Fee Programs Renaissance does not sponsor any wrap fee programs. Client Assets under Management Discretionary Amounts: Non-discretionary Amounts: $147,482,035 $0 Date Calculated: July 8, 2026 Item 5: Fees and Compensation Method of Compensation and Fee Schedule ASSET MANAGEMENT Renaissance charges an annual investment advisory fee based on the total assets under management as follows: Assets Under Management Up to $500,000 $500,001 to $1,000,000 Over $1,000,000 Annual Fee 1.50% 1.25% 1.00% The annual fee is negotiable. The fees are charged monthly in advance and are based on the amount of assets managed as of the close of business on the last business day of the previous month. Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement with no obligation and without penalty. After the initial five (5) business days, the agreement may be terminated by Renaissance with thirty (30) days written notice to Client and by the Client at any time with written notice to Renaissance. For accounts opened or closed mid-billing period, fees will be prorated based on the days services are provided during the given period. All unpaid earned fees will be due to Renaissance. Additionally, all unearned fees will be refunded to the Client. Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs. PERFORMANCED-BASED FEES: Qualified Clients are charged an asset-based management fee of 0.75% on all assets under management and a performance-based fee of 10% on any increase above a high-water mark. The annual fee and performance-based fee are negotiable. The annual fees are billed monthly in advance and are based on the amount of assets managed as of the close of business on the last business day of the previous month. The performance-based fees are 10% of any increase from the previous year (“high water mark”) and charged annually in arrears. The performance fee will be calculated by a Gross Asset Value of the account on a start date and be benchmarked to the Net Asset Value of the stated account net of - 3 -  performance fees. The account would have to achieve the high-water mark valued at the end of each year in order for the performance fee to trigger (or be applicable). A snapshot of the value of the account will be taken on the start and end of each year and compared to the high-water mark. All fees will be deducted from the account via the custodial providers or billed directly to the Client. Performance Fee disclaimer: All performance fees are based on a new high-water mark for any year that is charged. HIGH-WATER MARK CALCULATIONS: Initial deposit $1,000,000 • • Performance fee is set at 10% of the gain. • End of first year balance is $1,075,000. • First year performance fee for us is $7,500 • Calculation: $75,000 x 10% = $7,500. New high-water mark is $1,067,500 ($1,075,000 - $7,500) • End of second year balance is $1,050,000 • No performance fee paid • High-water mark remains $1,067,500 • Performance fees will not be charged until the account value goes above the high-water mark of $1,067,500 Lower fees for comparable services may be available from other sources. Client may cancel within five (5) business days of signing Agreement with no obligation and without penalty. After the initial 5 business days, either party may terminate the advisory agreement by giving the other party thirty (30) days written notice. Advisory fees are withdrawn directly from the Client’s accounts with Client-written authorization. For accounts opened or closed mid-billing period, fees will be prorated based on the days services are provided during the given period. All unpaid earned fees will be due to Renaissance. Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs. ERISA PLAN SERVICES The annual fees are based on the market value of the Included Assets and will not exceed 1.00%. The annual fee is negotiable and may be charged as a percentage of the Included Assets or as a flat fee. Fees may be charged quarterly or monthly in arrears or in advance based on the assets as calculated by the custodian or record keeper of the Included Assets (without adjustments for anticipated withdrawals by Plan participants or other anticipated or scheduled transfers or distribution of assets). If the services to be provided start any time other than the first day of a quarter or month, the fee will be prorated based on the number of days remaining in the quarter or month. If this Agreement is terminated prior to the end of the billing cycle, Renaissance shall be entitled to a prorated fee based on the number of days during the fee period services were provided or Client will be due a prorated refund of fees for days services were not provided in the billing cycle. The fee schedule, which includes compensation of Renaissance for the services is described in detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees deducted from Plan Assets. Renaissance does not reasonably expect to receive - 4 -  any additional compensation, directly or indirectly, for its services under this Agreement. If additional compensation is received, Renaissance will disclose this compensation, the services rendered, and the payer of compensation. Renaissance will offset the compensation against the fees agreed upon under the Agreement. FINANCIAL PLANNING Renaissance charges a fixed fee for financial planning services between $1,500 and $3,000 dependent upon the complexity of the Client’s specific situation. Prior to the planning process the Client will be provided an estimated plan fee. Services are completed and delivered within sixty (60) days contingent on the timely delivery of all applicable documents from the Client. Client may cancel within five (5) business days of signing Agreement with no obligation. If the Client cancels after five (5) business days, any unpaid earned fees will be due to Renaissance based on the percentage of the work completed by Renaissance. Fees for financial planning services are due upon delivery of the completed plan. Client Payment of Fees Fees for asset management services are deducted from a designated Client account to facilitate billing. The Client must consent in advance to direct debiting of their investment account. Fees for ERISA services will either be deducted from Plan assets or paid directly to Renaissance. The Client must consent in advance to direct debiting of their investment account. Fees for financial planning will be billed to the Client and paid directly to Renaissance. Additional Client Fees Charged Custodians may charge transaction fees and other related costs on the purchases or sales of mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money market funds and exchange-traded funds also charge internal management fees, which are disclosed in the fund’s prospectus. Margin interest may also apply for Client electing to utilize margin on their account(s). Renaissance does not receive any compensation from these fees. All of these fees are in addition to the management fee you pay to Renaissance. For more details on the brokerage practices, see Item 12 of this brochure. Prepayment of Client Fees Asset management fees are billed monthly in advance. Fees for ERISA 3(21) services may be billed in advance. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to Renaissance. External Compensation for the Sale of Securities to Clients Investment Advisor Representatives of Renaissance receive external compensation from sales of investment-related products such as insurance as licensed insurance agents. This represents a conflict of interest because it gives an incentive to recommend products based on the commission received. This conflict is mitigated by disclosures, procedures and Renaissance’s fiduciary obligation to place the best interest of the Client first and Clients are not required to purchase any products or services. Clients have the option to purchase these products through another insurance agent of their choosing. - 5 -  Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Renaissance offers a program in which we share in the capital gains or capital appreciation of managed securities. This program is offered only to Clients that must meet certain requirements to be able to participate in being charged performance-based fees which include: 1. A natural person who, or a company that, immediately after entering into the contract has at least $1,100,000 under the management of Renaissance; or 2. Has a net worth (together, in the case of a natural person, with assets held jointly with a spouse) of more than $2,200,000. The Clients’ residence must not be included as an asset. The Client will agree to pay Renaissance an annual investment advisory fee based on the assets under management plus a percentage of the yearly portfolio performance above an agreed upon benchmark as outlined in the Agreement. To the extent that Renaissance charges a performance-based fee, the performance-based fee will comply with the requirements of Section 205 and Rule 205-3 under the Investment Advisers Act of 1940. The simultaneous management of these different types of Client accounts, with different fee structures, creates certain conflicts of interest, as the fees for the management of some Client types are higher than for others. Nevertheless, when managing the assets of these accounts, we have a duty to treat all accounts fairly and equitably over time. Additionally, since performance-based fees reward us for strong performance in accounts which are subject to such fees, we may have an incentive to favor these accounts over those that have only asset-based fees (i.e., fees based simply on the amount of assets under management in an account) with respect to areas such as trading opportunities, trade allocation, and allocation of new investment opportunities. To mitigate the conflict, we represent that we will not trade a Client’s account in an irresponsible, unethical or baseless manner, or to assume unnecessary risk given potential perceived reward. We will never knowingly or intentionally breach the fiduciary duty we owe to a Client, and we believe the incentive or performance fee portion of its compensation aligns, rather than divides, the interests of Clients and us. Item 7: Types of Clients Description Renaissance generally provides investment advice to individuals, high net worth individuals, trusts, estates, corporations or business entities. Client relationships vary in scope and length of service. Account Minimums Renaissance does not require a minimum to open an account. - 6 -  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Security analysis methods may include fundamental analysis, technical analysis, charting analysis and cyclical analysis. Investing in securities involves risk of loss that Clients should be prepared to bear. Past performance is not a guarantee of future returns. Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. Technical analysis attempts to predict a future stock price or direction based on market trends. The assumption is that the market follows discernible patterns and if these patterns can be identified then a prediction can be made. The risk is that markets do not always follow patterns and relying solely on this method may not take into account new patterns that emerge over time. Charting analysis strategy involves using and comparing various charts to predict long and short-term performance or market trends. The risk involved in using this method is that only past performance data is considered without using other methods to crosscheck data. Using charting analysis without other methods of analysis would be making the assumption that past performance will be indicative of future performance. This may not be the case. Cyclical analysis assumes that the markets react in cyclical patterns which, once identified, can be leveraged to provide performance. The risks with this strategy are twofold: 1) the markets do not always repeat cyclical patterns; and 2) if too many investors begin to implement this strategy, then it changes the very cycles these investors are trying to exploit. Investment Strategy The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time by providing written notice to Renaissance. Each Client executes a Client profile form or similar form that documents their objectives and their desired investment strategy. Security Specific Material Risks All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks and should discuss these risks with Renaissance: • Market Risk: The prices of securities in which Clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by a fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate potentially sharp declines in market value. - 7 -  • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • Inflation Risk: When any type of inflation is present, a dollar today will buy more than a dollar next year, because purchasing power is eroding at the rate of inflation. • Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Management Risk: The advisor’s investment approach may fail to produce the intended results. If the advisor’s assumptions regarding the performance of a specific asset class or fund are not realized in the expected time frame, the overall performance of the Client’s portfolio may suffer. • Equity Risk: Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the Client’s overall portfolio. Small- and mid- cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies. • Fixed Income Risk: The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities held by a fund is likely to decrease. A nominal interest rate is the sum of a real interest rate and an expected inflation rate. • Investment Companies Risk: When a Client invests in open end mutual funds or ETFs, the Client indirectly bears their proportionate share of any fees and expenses payable directly by those funds. Therefore, the Client will incur higher expenses, which may be duplicative. In addition, the Client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value or (ii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. Adviser has no control over the risks taken by the underlying funds in which Client invests. - 8 -  • Foreign Securities Risk: Funds in which Clients invest may invest in foreign securities. Foreign securities are subject to additional risks not typically associated with investments in domestic securities. These risks may include, among others, currency risk, country risks (political, diplomatic, regional conflicts, terrorism, war, social and economic instability, currency devaluations and policies that have the effect of limiting or restricting foreign investment or the movement of assets), different trading practices, less government supervision, less publicly available information, limited trading markets and greater volatility. To the extent that underlying funds invest in issuers located in emerging markets, the risk may be heightened by political changes, changes in taxation, or currency controls that could adversely affect the values of these investments. Emerging markets have been more volatile than the markets of developed countries with more mature economies. • Trading on Margin: In a cash account, the risk is limited to the amount of money that has been invested. In a margin account, risk includes the amount of money invested plus the amount that has been loaned. As market conditions fluctuate, the value of marginable securities will also fluctuate, causing a change in the overall account balance and debt ratio. As a result, if the value of the securities held in a margin account depreciates, the Client will be required to deposit additional cash or make full payment of the margin loan to bring account back up to maintenance levels. Clients who cannot comply with such a margin call may be sold out or bought in by the brokerage firm. • Options Trading: The risks involved with trading options are that they are very time sensitive investments. An options contract is generally a few months. Clients should be aware that the use of options involves additional risks. The risks of covered call writing include the potential for the market to rise sharply. In such case, the security may be called away and the account will no longer hold the security. When purchasing options there is the risk that the entire premium paid for the option can be lost if the option is not exercised or otherwise sold prior to the option’s expiration date. When selling (“writing”) options, the risk of loss can be much greater if the options are written uncovered (“naked”). The risk of loss can far exceed the amount of the premium received for an uncovered option and in the case of an uncovered call option the potential loss is unlimited. Item 9: Disciplinary Information Criminal or Civil Actions Renaissance and its management have not been involved in any criminal or civil action. Administrative Enforcement Proceedings Renaissance and its management have not been involved in administrative enforcement proceedings. Self- Regulatory Organization Enforcement Proceedings Renaissance and its management have not been involved in any self-regulatory organizational enforcement proceedings that are material to a Client’s or prospective Client’s evaluation of Renaissance or the integrity of its management. - 9 -  Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Renaissance is not registered as a broker-dealer and no affiliated representatives of Renaissance are registered representatives of a broker-dealer. Futures or Commodity Registration Neither Renaissance nor its affiliated representatives are registered or have an application pending to register as a futures commission merchant, commodity pool operator, or a commodity trading advisor. Material Relationships Maintained by this Advisory Business and Conflicts of Interest Managing Member Blake Headley is a licensed insurance agent. Approximately 5% of his time is spent on these activities. He will offer Clients insurance products and receive separate compensation. The Chief Compliance Officer, Ethan Kelly is the owner and investment advisor representative of Kelly Capital Group, LLC. Additionally, Mr. Kelly is an attorney of Kelly Law Office, P.C. Approximately 5% of his time is spent on these activities These practices represent a conflict of interest because it gives an incentive to recommend products or services based on the commission amount or additional compensation received. This conflict is mitigated by disclosures, procedures and Renaissance’s fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products. Clients have the option to purchase these products or services through another insurance agent, investment advisor representative, or attorney of their choosing. Recommendations or Selections of Other Investment Advisors and Conflicts of Interest Renaissance does not select or recommend other investment advisors. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description include employees and/or independent The affiliated persons (affiliated persons contractors) of Renaissance have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of Renaissance affiliated persons and addresses conflicts that may arise. The Code defines acceptable behavior for affiliated persons of Renaissance. The Code reflects Renaissance and its supervised persons’ responsibility to act in the best interest of their Client. One area which the Code addresses is when affiliated persons buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our Clients. We do not allow any affiliated persons to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. Renaissance’s policy prohibits any person from acting upon or otherwise misusing non- public or inside information. No advisory representative or other affiliated person, officer or director of Renaissance may recommend any transaction in a security or its derivative to - 10 -  advisory Clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. Renaissance’s Code is based on the guiding principle that the interests of the Client are our top priority. Renaissance’s officers, directors, advisors, and other affiliated persons have a fiduciary duty to our Clients and must diligently perform that duty to maintain the complete trust and confidence of our Clients. When a conflict arises, it is our obligation to put the Client’s interests over the interests of either affiliated persons or the company. The Code applies to “access” persons. “Access” persons are affiliated persons who have access to non-public information regarding any Clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are involved in making securities recommendations to Clients, or who have access to such recommendations that are non-public. Renaissance will provide a copy of the Code of Ethics to any Client or prospective Client upon request. Investment Recommendations Involving a Material Financial Interest and Conflict of Interest Renaissance and its affiliated persons do not recommend to Clients securities in which we have a material financial interest. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Renaissance and its affiliated persons may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as trading ahead of Client transactions, affiliated persons are required to disclose all reportable securities transactions as well as provide Renaissance with copies of their brokerage statements. The Chief Compliance Officer of Renaissance is Ethan Kelly. He reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not front run or disadvantage trading for Clients. Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest Renaissance does not have a material financial interest in any securities being recommended. However, affiliated persons may buy or sell securities at the same time they buy or sell securities for Clients. In order to mitigate conflicts of interest such as front running, affiliated persons are required to disclose all reportable securities transactions as well as provide Renaissance with copies of their brokerage statements. The Chief Compliance Officer of Renaissance is Ethan Kelly. He reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not front run or disadvantage trading for Clients. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions Our firm does not maintain custody of your assets (although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see - 11 -  Item 15 Custody, below). Your assets must be maintained in an account at a “qualified custodian,” generally a broker-dealer or bank. We recommend that our Clients use Royal Bank of Canada (“RBC”), a FINRA-registered broker-dealer, member SIPC, as the qualified custodian. We are independently owned and operated and not affiliated with RBC. RBC will hold your assets in a brokerage account and buy and sell securities when we instruct them to do so. We recommend that you use RBC as custodian but do not open the account for you. How We Select Brokers/Custodians to Recommend We seek to recommend a custodian/broker who will hold your assets and execute transactions on terms that are overall most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others, these: • combination of transaction execution services along with asset custody services (generally without a separate fee for custody) • capability to execute, clear and settle trades (buy and sell securities for your account) • capabilities to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) • breadth of investment products made available (stocks, bonds, mutual funds, exchange traded funds (ETFs), etc.) • availability of investment research and tools that assist us in making investment decisions quality of services • competitiveness of the price of those services (commission rates, margin interest their prior service to us and our other Clients rates, other fees, etc.) and willingness to negotiate them • reputation, financial strength and stability of the provider • • availability of other products and services that benefit us, as discussed below (see “Products and Services Available to us from RBC”) Your Custody and Brokerage Costs. For our Clients’ accounts it maintains, RBC generally does not charge you separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your RBC account. For some accounts, RBC may charge you a percentage of the dollar amount of assets in the account in lieu of commissions. RBC commission rates and/or asset-based fees applicable to our Client accounts were negotiated based on our commitment to maintain a minimum threshold of our Clients’ assets statement equity in accounts at RBC. This commitment benefits you because the overall commission rates and/or asset-based fees you pay are lower than they would be if we had not made the commitment. In addition to commissions or asset- based fees RBC charges you a flat dollar amount as a “prime broker” or “trade away” fee for each trade that we have executed by a different broker-dealer but where the securities bought or the funds from the securities sold are deposited (settled) into your RBC account. These fees are in addition to the commissions or other compensation you pay the executing broker-dealer. Because of this, in order to minimize your trading costs, we have RBC execute most trades for your account. Products and Services Available to us from RBC. - 12 -  RBC Custody & Clearing is the Royal Bank of Canada’s business unit serving independent advisory firms. They provide us and our Clients with access to its institutional brokerage – trading, custody, reporting and related services – many of which are not typically available to RBC retail customers. RBC also makes available various support services. Some of those services help us manage or administer our Clients’ accounts while others help us manage and grow our business. RBC’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us as long as we keep a total of at least $10 million of our Clients’ assets in accounts at RBC. Here is a more detailed description of their support services: Services that Benefit You. RBC’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client assets. The investment products available through RBC include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our Clients. Their services described in this paragraph generally benefit you and your account. Services that May Not Directly Benefit You. RBC also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our Clients’ accounts. They include investment research, RBC’s own and that of third parties. We may use this research to service all or some substantial number of our Clients’ accounts, including accounts not maintained at RBC. In addition to investment research, RBC also makes available software and other technology that: • provide access to Client account data (such as duplicate trade confirmations and • account statements); facilitate trade execution and allocate aggregated trade orders for multiple Client accounts. facilitate payment of our fees from our Clients’ accounts; and • provide pricing and other market data; • • assist with back-office functions, recordkeeping and Client reporting. technology, compliance, legal, and business consulting; Services that Generally Benefit Only Us. RBC also offers other services intended to help us manage and further develop our business enterprise. These services include: • educational conferences and events • • publications and conferences on practice management and business succession; and • access to employee benefits providers, human capital consultants and insurance providers. RBC may provide some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. They may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. They may also provide us with other benefits such as occasional business entertainment of our personnel. Irrespective of direct or indirect benefits to our Client through RBC, we strive to enhance your experience, help you reach your goals and put your interests before that of our firm or its associated persons. - 13 -  Our Interest in RBC’s Services. The availability of these services from RBC benefits us because we do not have to produce or purchase them. These services are not contingent upon us committing any specific amount of business to RBC in trading commissions or assets in custody. RBC does not require a minimum AUM in order to access their full array of clearing and custody services. • Research and Other Soft Dollar Benefits The Securities and Exchange Commission defines soft dollar practices as arrangement under which products or services other than execution services are obtained by LWPG from or through a broker-dealer in exchange for directing Client transactions to the broker-dealer. Although Renaissance has no formal soft dollar arrangements, Renaissance may receive products, research and/or other services from custodians or broker-dealers connected to Client transactions or “soft dollar benefits”. As permitted by Section 28(e) of the Securities Exchange Act of 1934, Renaissance receives economic benefits as a result of commissions generated from securities transactions by the custodian or broker-dealer from the accounts of Renaissance. Renaissance cannot ensure that a particular Client will benefit from soft dollars or the Client’s transactions paid for the soft dollar benefits. Renaissance does not seek to proportionately allocate benefits to Client accounts to any soft dollar benefits generated by the accounts. A conflict of interest exists when Renaissance receives soft dollars which could result in higher commissions charged to Clients. This conflict is mitigated by the fact that Renaissance has a fiduciary responsibility to act in the best interest of its Clients and the services received are beneficial to all Clients. • Brokerage for Client Referrals Renaissance does not receive Client referrals from any custodian in exchange for using that broker-dealer. • Directed Brokerage Renaissance does not allow Client directed brokerage accounts. Aggregating Securities Transactions for Client Accounts Renaissance is authorized in its discretion to aggregate purchases and sales and other transactions made for the account with purchases and sales and transactions in the same securities for other Clients of Renaissance. All Clients participating in the aggregated order shall receive an average share price with all other transaction costs shared on a pro-rated basis. If aggregation is not allowed or infeasible and individual transactions occur (e.g., withdrawal or liquidation requests, odd-lot trades, etc.) an account may potentially be assessed higher costs or less favorable prices than those where aggregation has occurred. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Account reviews are performed quarterly by an Investment Advisor Representative of Renaissance. Account reviews are performed more frequently when market conditions dictate. Reviews of Client accounts include, but are not limited to, a review of Client documented risk tolerance, adherence to account objectives, investment time horizon, - 14 -  suitability criteria and reviewing target allocations of each asset class to identify if there is an opportunity for rebalancing. Financial plans are updated as requested by the Client and pursuant to a new or amended agreement. Review of Client Accounts on Non-Periodic Basis Other conditions that may trigger a review of Clients’ accounts are changes in the tax laws, new investment information and changes in a Client's own situation. Content of Client Provided Reports and Frequency Clients receive written account statements no less than quarterly for managed accounts. Account statements are issued by the Client’s custodian. Client receives confirmations of each transaction in account from custodian and an additional statement during any month in which a transaction occurs. Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest Renaissance does not receive any economic benefits from external sources. Advisory Firm Payments for Client Referrals Renaissance does not compensate for Client referrals. Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to Clients at their address of record at least quarterly. Clients are urged to carefully compare the account statements received directly from their custodians to any documentation or reports prepared by Renaissance. Renaissance is deemed to have limited custody solely because advisory fees are directly deducted from Client’s accounts by the custodian on behalf of Renaissance. Item 16: Investment Discretion Discretionary Authority for Trading Renaissance requires discretionary authority to manage securities accounts on behalf of Clients. Renaissance has the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Client will authorize Renaissance discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. Renaissance allows Clients to place restrictions on their discretionary authority, as outlined in the Client’s Investment Policy Statement or similar document. These restrictions must be provided to Renaissance in writing. The Client approves the custodian to be used and the commission rates paid to the custodian. Renaissance does not receive any portion of the transaction fees or commissions paid by the Client to the custodian. - 15 -  Item 17: Voting Client Securities Proxy Votes Renaissance does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies requested, Renaissance will provide is recommendations to the Client. If a conflict of interest exists, it will be disclosed to the Client. If the Client requires assistance or has questions, they can reach out to the investment advisor representatives of the firm at the contact information on the cover page of this document. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided to Clients because Renaissance does not serve as a custodian for Client funds or securities and Renaissance does not require prepayment of fees of more than $1200 per Client and six months or more in advance. Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients Renaissance has no condition that is reasonably likely to impair our ability to meet contractual commitments to our Clients. Bankruptcy Petitions during the Past Ten Years Renaissance has not had any bankruptcy petitions. - 16 -  Item 1 Cover Page S U P E R V I S E D P E R S O N B R O C H U R E F O R M A D V P A R T 2 B Blake Headley, CFP®, ChFC® Office Address: 602 Steed Road, Suite 110 Ridgeland, MS 39157 Tel: 601-714-1034 Email: bheadley@renadv.com Website: www.renadv.com July 30, 2026 This brochure supplement provides information about Blake Headley and supplements the Renaissance Advisors brochure. You should have received a copy of that brochure. Please contact Blake Headley if you did not receive the brochure or if you have any questions about the contents of this supplement. A D D I T I O N A L I N F O R M A T I O N A B O U T B L A K E H E A D L E Y ( C R D # 3 1 8 9 3 6 0 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V . - 17 -  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer – Blake Headley • Year of birth: 1970 Item 2 - Educational Background and Business Experience Educational Background: • Mississippi State University; BBA – Finance; 1992 Business Experience: • Renaissance Advisors; President/Investment Advisor Representative; 07/2015 – Present • Renaissance Advisors; Chief Compliance Officer; 07/2015 – 07/2026 • BlackSummit Financial Group, Inc.; President; 06/2010 – 07/2015 Professional Certifications CERTIFIED FINANCIAL PLANNER™ (CFP®) I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and I may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold CFP® certification. You may find more information about CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. - 18 -  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the Client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A Client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the Client. • Continuing Education – Complete 30 hours of continuing education hours every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Chartered Financial Consultant® (ChFC®): Chartered Financial Consultant (ChFC®) is a designation issued by the American College. ChFC® designation requirements: • Complete ChFC® coursework within five years from the date of initial enrollment. • Pass the exams for all required elective courses. A minimum score of 70% must be achieved to pass. • Meet the experience requirements: Three years of full-time business experience within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business experience. • Take the Professional Ethics Pledge. • When you achieve your ChFC® designation, you must earn 30 hours of continuing education credit every two years. Item 3 - Disciplinary Information Criminal or Civil Action: None to report. Administrative Proceeding: None to report. Self-Regulatory Proceeding: None to report. Item 4 - Other Business Activities Mr. Headley is a licensed insurance agent. Approximately 5% of his time is spent on these activities. He will offer Clients insurance products and receive separate compensation. This practice represents a conflict of interest because it gives an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures and Renaissance’s fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products. Clients have the option to purchase these products through another insurance agent of their choosing. Item 5 - Additional Compensation Mr. Headley receives commissions on the insurance products he sells and performance- based fees. He does not receive any additional compensation for performing advisory services other than what is described in Item 5 of Part 2A. - 19 -  Item 6 - Supervision Since Mr. Headley is the owner of Renaissance Advisors, he shares in the responsibility for all supervision, formulation and monitoring of investment advice offered to Clients. Ethan Kelly is the Chief Compliance Officer of Renaissance Advisors. He reviews Blake Headley’s work through Client account reviews and quarterly transaction reports, as well as face-to- face and phone interactions. He can be reached at 601-714-1034 or ekelly@renadv.com - 20 -