Russell Capital Management, LLC

476 EAST HIGH STREET LEXINGTON, KY 40507 PHONE (859) 254-5225 WWW.RUSSCAP.COM SEC FORM CRS – A summary of your advisory relationship with Russell Capital Management, as required by the US Securities and Exchange Commission. All clients and new clients must receive this form under new regulations. Effective 3/26/2026 Introduction: Russell Capital Management is a Securities and Exchange Commission Registered Investment Advisor. There is widespread confusion about the difference between Stockbrokers and Investment Advisors, the services they provide, and how they are compensated. It is important for you, the client or prospective client, to understand the differences. RCM is a Fiduciary for our clients which legally requires us to act in your best interest and not put our interest ahead of yours. We charge an annual management fee as opposed to a commission-based system commonly used by brokers. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker dealers, investment advisers and investing Relationships and Services: Conversation Starter - Ask Us: What investment services and advice can you provide me? Russell Capital Management offers investment advisory and other related services to investors. As stated in detail in our SEC form ADV, Russell Capital Management offers the following advisory services to our clients: Model Portfolio Management Individual Portfolio Management Investment Consulting Services Investment Supervisory Services Tax and Estate Planning* Consulting when life events occur such as: birth of a child, retirement, death of a spouse, divorce or other events* *Services are consultative only, we do NOT provide legal or tax advice Capacity in Which We Service Clients We are discretionary money managers for individuals, retirement accounts, public and private foundations, and other entities. This means we are authorized to determine which securities are bought and sold, the total amount to be bought and sold, and the costs at which the transactions will be affected. However, there are certain clients for which we provide investment management services on a nondiscretionary basis. We assist clients in opening brokerage accounts at unaffiliated institutional brokers where we can exercise trading authority. We may be authorized to deduct advisory fees from client accounts, as disclosed in our Form ADV, we do not have access to the assets in the accounts for any other purpose, only the client can direct transfers of money and securities. We monitor the holdings and performance of your account on an ongoing basis and provide you with periodic reports. Creating and Preserving Wealth  476 EAST HIGH STREET LEXINGTON, KY 40507 PHONE (859) 254-5225 WWW.RUSSCAP.COM Additional questions: Ask Us: Given my financial situation, should I choose an investment advisory service? Why or why not? Ask Us: How will you choose investments to recommend to me? Ask Us: What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean? Fees, Costs, Conflicts and Standard of Conduct: Conversation Starter - Ask Us: What fees will I pay? Our SEC form ADV details our negotiable fee structure: Our stated annual fee schedule for Investment Management Services is based upon a percentage of assets under management and generally range from 0.65% to 1.5% annually but is negotiable with the client. We do not impose a minimum value of assets under management for our investment management service. Because our fees are a percentage of your assets under management, our fees grow larger when you have more invested with us. Thus, Russell Capital Management has an incentive to grow your assets and to encourage you to entrust more assets to us. Ask Us: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? If you give us $10,000, we will invest the entire amount, less any transaction-related charges imposed by the custodian, according to your personal risk tolerance. The maximum fee you would incur on a balance of $10,000 would be 1.5%, or $150 annually. This fee is negotiable and may be less depending on circumstances outlined in our SEC Form ADV. Our fee is pro-rata charged quarterly in arrears on the account balance. Some investments such as mutual funds may have internal fees charged by the fund companies. Ask Us: What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? Our primary source of revenue is advisory fees paid by our clients. We do not receive commissions or product-based compensation. However, certain arrangements described in our Form ADV may present conflicts of interest, which we seek to mitigate through disclosure and our fiduciary duty to act in our clients’ best interests. When we act as your investment adviser, we’re required to act in your best interests and not put our interest ahead of yours. At the same time, our equity, fixed income, and money market fees can conflict with your interests as equity investment management fees may be higher than fixed income fees or money market fees. To completely remove this conflict, we usually would prefer to negotiate a flat annual fee with the client. Ask Us: How might your conflicts of interest affect me, and how will you address them? We address any potential conflict with clients in advance, when possible, we also notify clients of conflicts as soon as they arise. For more detailed information regarding conflicts of interest, please consult our FORM ADV, PART 2A BROCHURE. Creating and Preserving Wealth  476 EAST HIGH STREET LEXINGTON, KY 40507 PHONE (859) 254-5225 WWW.RUSSCAP.COM Ask Us: How do your financial professionals make money? RCM’s financial professionals make money based on the agreed upon advisory fee between you and the firm. The advisory fee goes to the firm, then the firm, in turn, pays the financial professional a percentage of the fee. Disciplinary History: Conversation Starter - Ask Us: Do you or your financial professionals have legal or disciplinary history? No. None of our advisors or our firm has ever had a legal or disciplinary action taken against them by any regulatory or judicial body. You are welcome to visit Investor.gov/CRS for free and simple search tool to research your financial professionals. Additional Information: Additional information about our investment advisory services and an up-to-date copy of the relationship summary is available by contacting us at 859-254-5225 or by visiting our website www.russcap.com. Conversation Starter - Ask Us: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker dealer? Your primary contact is your investment advisor with Russell Capital Management, you may also contact our Managing Partner and Chief Compliance Officer, Harry Russell. Creating and Preserving Wealth