Rose Street Advisors, LLC Named to List of Nation’s Top DC Advisor Teams ARLINGTON, VA — Rose Street Advisors, LLC has been named to the National Association of Plan Advisors’ list of the nation’s top defined contribution (DC) Advisor Teams with Assets under Advisement over $100 Million. Unlike other lists, this focuses on individual firms, or what may, in a wirehouse environment, be referred to as a team, or office, and the assets under advisement related to their defined contribution (DC) practice, specifically in a single physical location. The inaugural list was published in 2017. “Since their inception, NAPA’s various industry lists have been a valuable Who’s Who of who matters in the world of retirement plans and retirement plan advisors,” noted Nevin Adams, Chief Content Officer of the American Retirement Association, and Editor-in-Chief of NAPA-Net, the nation’s leading online resource for retirement plan advisors. “This latest chapter – the NAPA Top DC Advisor Teams, ranked by self-reported DC assets under advisement – presents a compelling case for the positive impact on the nation’s private retirement system”. Despite the market turmoil in 2022, the record number (362) of teams on this year’s list continue to guide nearly $2 trillion in defined contribution plan assets belonging to more than 56,000 plans covering more than 23 million participants. Located in 41 states and the District of Columbia, each team listed—and to be here they are all in a single physical location—has more than $100 million in AUA, based on self-reported assets under advisement as of Dec. 31, 2022. “As the nation’s leading voice for retirement plan advisors, we are once again pleased to highlight the contributions and commitment of these teams,” noted Adams. 2022 NAPA Top DC Advisor Teams, created by NAPA. Presented in March 2022 for the previous year. All NAPA members with over $100 million in defined contribution assets under advisement made the list. 362 Advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. Click here for most recent award information. https://www.napa-net.org/top-dc-advisor-teams-2022. About the National Association of Plan Advisors The National Association of Plan Advisors was created by and for retirement plan advisors. Membership is also open to other retirement industry professionals who support the interests of plan advisors. NAPA is the only advocacy group exclusively focused on the issues that matter to retirement plan advisors. NAPA is part of the American Retirement Association, based in the Washington, D.C. area. More information about NAPA is available at napa-net.org.

Securities and Investment Advisory: Services offered through M Holdings Securities, Inc., A Registered Broker/Dealer and Investment Advisor, member FINRA/SIPC. Rose Street Advisors is independently owned and operated. Rose Street Advisors is a member firm of M Financial Group. #5529075.1

Scott Higgins

AIF®, CFP®, CPFA® | Financial Advisor

Since 2012 at Rose Street, Scott has been responsible for helping the firm’s individual wealth management clients with income strategies for retirement and consulting with employers with their employee retirement plans. In free time, he enjoys golf, biking, skiing, cooking, and traveling. Fun fact, Scott has a hobby of filling growlers with coins!

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Is having fun at work important? Yes! Navigating our office, you will always pass by a smiling face or hear the sound of laughter at some point in the workday. That is why to me, Rose Street Advisors embodies the core value of fun people creating a fun place to work. Whether it’s our Monthly 3:01, seasonal festivities, or showcasing our golf skills at a golf outing; our team comes together to make the workday enjoyable and feel a lot less like work. Before starting my career at Rose Street Advisors, I had never heard of a “3:01”. As someone who loves to laugh and incorporate fun with work, this was a big benefit to me. A 3:01 is where we close the office at 3:01 and we come together to have drinks, snacks, and socialize. Sometimes our 3:01’s are themed with a scavenger hunt downtown, or we simply gather in our gym area. Having this opportunity to disconnect from work and come together as a firm allows for a boost in creativity, productivity, and morale. The people I work with are more than just co-workers, we are all a family. The bonds and friendships we have with each other were not made by staying in our offices and cubicles. We work hard to not only care for our clients, but also for each other. Rose Street Advisors maintains excellence in all we do, while creating a fun place to work.

PERI KURTZMAN

New Business Coordinator

Peri joined the Rose Street Advisors in 2018 as New Business Coordinator on the Life Insurance team. In this role, she works directly with clients to prepare and implement life insurance and disability policies. In her spare time, she enjoys hunting and spending time with family and friends.

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Generous. Committed. Focused. Connected.

Rose Street Advisors has a role to play in our community and we embrace the responsibility.

At Rose Street Advisors, we have been IN the community and have personally and corporately counted it a privilege to give back TO the community for decades. From sponsoring events, supporting local causes or just participating with the many dynamic nonprofits and government agencies in the greater Kalamazoo area, our firm is always looking for a way to help make a difference. In addition to corporate giving and support, our employees wanted to start our own initiative, directly from us as employees of Rose Street Advisors. In 2018, our employees started SWEET (Social, Wellness, Employee Engagement Team) and the #RSAGive program, which focuses on the employee-driven volunteering and/or financial support of a local organization each month. Since its initiation, employees have provided thousands of dollars worth of meals, diapers, school supplies, and many volunteer hours of support to local agencies that are impacting our community every day. Denzel Washington was quoted saying, “At the end of the day it’s not about what you have or even what you’ve accomplished… it’s about who you’ve lifted up, who you’ve made better. It’s about what you’ve given back.” As Advisors, our passion to serve doesn’t stop at serving and lifting up our clients. We strive to help lift up our community. When putting words to what we believe our purpose is to be in the community, we chose “Generous. Committed. Focused. Connected.” May Rose Street Advisors always strive to be a community partner and a firm that is committed to being generous and focused with our support, connected to the right people and right causes that help our community, and its people, thrive. We believe that when our community prospers, we all win!

Jeremy Heavey

AIF® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations. He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School. Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching. Jeremy, his wife Kim and their 4 kids reside in Kalamazoo. They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4976699.1

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Integrity Always

Without INTEGRITY, the other core values mean nothing.

"When you trust people, you have confidence in them - in their integrity and in their abilities." - Stephen Covey.

Each day while sitting in our "gym", whether for coffee or lunch, we are reminded of the Rose Street Advisors' Core Values. In my opinion, Integrity is the pinnacle with all other core values falling into place. As a representative of Rose Street Advisors, our behavior and actions are intimately connected to the Firm's performance and reputation. Having integrity means that you live in accordance to your deepest values, you are honest with everyone, and you always keep your word.

Integrity begins with our individual choices to always act in accordance with strong moral principals, no matter the situation. We must act with integrity in all aspects of our relationships, both business and personal. For example, have you ever had a cashier give you too much change? What did you do? A couple phrases that best articulate the meaning or integrity to me include the following:

It's what you do when no one is looking

Behave ethically and do the right thing, even behind closed doors

Each day we are reminded the importance of integrity when offering recommendation to our clients and being upfront and transparent of why the recommendations are in their best interest in accomplishing their goals.

We live with the belief of what we do and how we do it, matters! There is no compromise, we get one chance with integrity and there are no do overs as shared by a colleague.

P.S. If curious about our gym, stop by for a cup of coffee for a tour and learn the building history.

Scott Higgins

AIF®, CFP®, CPFA® | FINANCIAL ADVISOR

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4901824.1

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Kalamazoo, MI, July 18, 2022 — Rose Street Advisors is pleased to announce its recent affiliation with RPAG, one of the largest independent practice management firms nationally. Rose Street Advisors will utilize RPAG’s leading-edge retirement plan consulting tools and resources to help grow their practice and deliver enhanced value to plan sponsor customers. “The decision to partner with RPAG stems from our desire to be the best consultants in our local market,” comments Scott Higgins, Financial Advisor of Rose Street Advisors. “We recognize RPAG’s technology, tools and training as one of the highest caliber system of its kind, driving results through proven processes utilized by hundreds of financial professionals all across the country.” Members of RPAG access a robust technology-driven platform of proprietary tools and services to support qualified and non-qualified plans. Flagship solutions include its proprietary Scorecard System™ for fund ranking, Provider Analysis™ for RFP/Fee benchmarking, Fiduciary Fitness Program™ for ERISA plan compliance and ongoing training and the Fiduciary Briefcase™ for the sponsor’s virtual file storage. “Our holistic approach to retirement plan consulting allows financial professionals to effectively and efficiently serve the needs of plan sponsors with exceptional precision, care and consistency,” states Nick Della Vedova, President of RPAG. “We are pleased to support serious retirement plan financial professionals like Rose Street Advisors.”

About Rose Street Advisors

At Rose Street Advisors, our team of experts has been dedicated to helping people plan for a bright financial future for more than 70 years. We work closely with our clients - business owners, affluent families, and high-income professionals - to achieve their holistic financial goals. By providing employee benefits, HR consulting, life insurance, investment management and retirement plans under one roof, we ensure our clients are well-taken care of both today and for generations to come.

About RPAG

RPAG™ is an exclusive alliance of independent retirement financial professionals and institutions inspired to create successful outcomes by protecting plan fiduciaries and engaging plan participants. RPAG supports thousands of financial professionals across the U.S., who collectively serve over 80,000 plan sponsors, $800+ billion in assets under influence, and more than 7 million plan participants. Learn more at rpag.com. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4842556.1

Scott Higgins

AIF ® CFP ® CPFA ® | FINANCIAL ADVISOR

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Excellence In All We Do

The pursuit of excellence is the target; if we miss, we own up to it, make it right and move forward.

It's possible that everyone has their own definition of what excellence means to them. They might have similarities, but all vary in one way or another. When I started thinking about writing this blog, I looked at our Rose Street Advisors’ team. Are we excellent? Are we great? Are we perfect? Excellence surely isn't perfection. Of course, we've seen gymnasts receive a perfect 10 on a routine or a 100% on a multiple-choice test. But let’s be honest, how often are we all, really, perfect? We can strive for excellence and perfection, though, and many of us do each day.

Even for that Olympic gymnast scoring a 10, that excellence didn’t come without individual effort and a team to drive their success. At the end of the day, it's the preparation, the behind the scenes work that happens when no one is watching that delivers the end-product of excellence. So how do we arrive at excellence? Let’s peel back the layers…

Ongoing Personal Education

⚪ Investing in your craft. Spend the money and the time to improve so that you may strive for excellence.

Do The Work

⚪ Learn about the common issues your internal and external clients are having. How did we arrive here and where do we want to go?

Who Will This Impact?

⚪ Both positively and negatively. How do we increase the positive impact and decrease or eliminate the negative impact? Is the solution(s) equitable?

What is Important, Not Only Today, But In The Future?

⚪ A band aid is only a temporary solution. A temporary fix may be the answer in some cases. But ultimately, we need a plan for stability and the future.

Set Goals and a Timeline

⚪ Realistic and stretch goals are a great way to achieve and hype up the ability to overachieve!

Presentation and Education

⚪ What is the best way to present a change, how might it be heard or interpreted and how we can assist in the transition? We're human and resistant to change.

Change can be much easier when the picture is accurately painted and resources are provided to eliminate barriers.

Follow-Through is Key

⚪ Did we do what we said we would do? Were we transparent? Did we hit our goal? What could we have done better? Collect feedback.

Debrief and Implement Necessary Changes

⚪ Go back to the drawing board, if needed. Every day comes with change, so be ready to pivot, improve your craft and keep in tune with the needs of those around

us.

You might find that one or all of these work for you. The important thing is that you take what works for you, your role and your clientele and be intentional about it. Imagine the possibilities when we hold ourselves accountable. If you're working in a team format to roll out a new idea or solution, start an email thread or group text checking in on the updates, feedback and if there's a need to make small changes during the process. Celebrate those small successes. All of the small things added up are what lead to the greatest success stories!

It's a team effort here at Rose Street Advisors. We believe in sweating the small things, the personal touch and working on our craft, so that we consistently bring “Excellence in All We Do” to ourselves, our team and all those we serve!

Shannon Thomas

LIC | EMPLOYEE BENEFITS ADVISOR

Shannon values working closely with business leaders to make a positive impact at their organization. With over 6 years of experience at a major HRIS company, her skills include consulting with organizations on their HR processes and creating efficiencies within the employee lifecycle. She understands the importance of clear communication and meeting deadlines. Her outgoing nature and ability to communicate across many levels makes her an important part of our team.

In her spare time, she enjoys traveling, spending time with family and friends and anything outside during the warmer months.

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Relationships Are Foundational

Whether internal or external, our business works when it's personal.

At Rose Street the phrase “Relationships are Foundational” is one of our core values. Taken at face value, it’s hard to argue that our relationships with others are critical. They are, but there’s a lot more to it than that. My wife and I recently had a funny conversation about trust and driving. In it, I stated that I trust her to drive, once we’re out of the garage (there might be some history there…). But it brings up a good point. Relationships are so important to us that we are willing to sacrifice ability for trust. In many cases we would rather have help from someone we like and trust than from someone we don’t know as well, but who has greater skills. For us, the sweet spot is knowing the boundaries of our expertise. Fortunately, at Rose Street we have a team of dedicated professionals knowledgeable in the fields of Human Resources, Employee Benefits, Wealth Management, and Life Insurance. We also have a network of community connections with experts in other fields. When a customer comes to us with a question, we know when to answer and when to refer, internally or externally, to a source who can help. We believe that building and retaining trusting relationships is only achieved by consistently providing high quality, friendly and responsive support. As much as I do trust Tami to drive (once we’re out of the garage), I would not trust her to fly a plane. Fortunately, we know where to find experts for that.

Kevin Brozovich

SPHR | CHIEF PEOPLE ADVISOR

Meet Kevin Brozovich, energetic entrepreneur, people-focused team-builder and HR practitioner-turned consultant. For almost 10 years, Kevin was Founder and Chief People Officer of HRM Innovations, a Kalamazoo-based Human Resources consulting firm many would consider the top in the region. After pulling his hair out making daily decisions about running the business (does it matter where the coffee comes from?), Kevin joined forces with the Rose Street Advisors team so he could solely focus on what he loves most: working with clients.

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Client Focused

We succeed when we center our decisions and practices around what is best for our clients.

To say that everyone at Rose Street Advisors is “Client Focused” maybe sounds like a cliché. However, I’m here to tell you that it’s not lip service. I came to Rose Street Advisors 7 years ago as an Employee Benefits Relationship Manager, having worked with agencies all over the country in a prior consulting role and TPA practice. Many agencies assign a single person to manage all aspects of a client’s business. I was shocked at the team that was assembled around me to take care of our Employee Benefits clients. Not only is there a Relationship Manager, there is a Producer, Client Specialist and strong administrative support team to service our clients! Each team member is focused and encouraged to work in the areas they thrive in and are most passionate about. Similar staffing and client support exists in our Human Resources, Investments, Wealth Management and Life Insurance departments as well! Rose Street Advisors invests significantly in our people so that we can provide exceptional service and focus on our clients. This also allows each team member the time and energy to get to know each client, their strategies, goals, needs and employees and bring the most value possible to their role. I’m grateful that in my time at Rose Street Advisors I’ve been set up to succeed and encourage our clients to achieve their goals, so that being client focused becomes a reality and not a cliché.

Ben Cohen

CEBS | EMPLOYEE BENEFIT RELATIONSHIP MANAGER

Meet Ben, a people-focused, service-driven industry ace with over 20 years of experience. Throughout his career, his primary focus has been to help clients use benefits as a key component of their Total Rewards offerings, aligning with the organization’s objectives to recruit and retain a talented workforce. Ben’s daily role finds him regularly working to help clients understand the ongoing complexities of the Affordable Care Act, and how changes to healthcare policy could affect them. In addition, he works closely with his teammates to coordinate ongoing client support and annual renewals. Securities and Investment Advisory: Services offered through M Holdings Securities, Inc., A Registered Broker/Dealer and Investment Advisor, member FINRA/SIPC. Rose Street Advisors is independently owned and operated. Rose Street Advisors is a member firm of M Financial Group. #4296374.1

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Let Us (Re)Introduce Ourselves

To the many friends of Rose Street Advisors, As we embrace this new year, we are more committed than ever to living out our core values and our mantra "What We Do and How We Do It Matters". Enjoy this glimpse into the people and the heart of Rose Street Advisors from the team themselves. With humble appreciation for our clients and our people,

Rob Hunt

LIC, CLU | PRINCIPAL & CHIEF EXECUTIVE OFFICER

As Principal and CEO, Rob spearheads the vision, drive for growth, and pursuit of excellence at Rose Street Advisors. Rob loves being outdoors with his wife Erin and kids. He has slalom skied for the past 35 years, never missing a season. He also enjoys spending time at the lake and on the golf course.

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