RNR SECURITIES CUSTOMER RELATIONSHIP SUMMARY

March 11, 2021

Item 1- INTRODUCTION

RNR Securities is registered with the Securities and Exchange Commission as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Brokerage and investment advisory services and fees differ and it is important for the retail investor to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS which also provides educational materials about brokerdealers, investment advisors, and investing. You should carefully consider which types of accounts and services are right for you. Please ask us for more information.

Item 2- RELATIONSHIPS AND SERVICES. What investment services and advice can you provide me?

RNR Securities offers brokerage services to retail investors. We offer a limited selection of investments (mutual funds, municipal securities, variable life insurance or annuities and publicly registered non-traded real estate investment trusts). Other firms could offer a wider range of products, some of which might have lower costs. You may select investments or we may recommend investments to you, but the ultimate investment decision for your investment strategy and the purchase or sale of investments will be yours. We can offer you additional services to assist you in developing and executing your investment strategy. Unless we agree otherwise, we are not required to monitor your portfolio or investments on an ongoing basis. There are no minimum investment amounts.

CONVERSATION STARTER

Given my financial situation, should I choose a brokerage service? Why or why not?

How will you choose investments to recommend to me?

What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

Item 3- FEES, COSTS, CONFLICTS, AND STANDARDS OF CONDUCT.

A. What fees will I pay?

Fees and costs affect the value of your investments over time. When you transact brokerage business with RNR Securities, we receive a gross dealer concession which is revenue paid to a brokerage firm and is outlined in the prospectus of the product which you are purchasing. The fee you pay is based upon the specific transaction and size of the transaction. Some investments (such as mutual funds and variable annuities) impose fees that will reduce the value of your investments over time. Also, with certain investments you may have to pay fees such as “surrender charges” to sell the investment. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Ask your financial professional to give you personalized information on the fees and costs you will pay. You will incur fees and costs regardless of whether you make or lose money on your investments.

CONVERSATION STARTER

Help me understand how the 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?

B. What are your legal obligations to me when providing recommendations. How else does your firm make money and what conflicts of interest do you have?

When we provide you with a recommendation, we have to act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask about these conflicts because they can affect recommendations we provide you. Here is an example to help you understand what this means. Investment fees, which include operational expenses, vary and the amount you pay will depend on the product that you purchase/sell. Our financial professionals are compensated on the products they purchase/sell on your behalf. This compensation varies by product so they are therefore incentivized to recommend products that have higher fees.

CONVERSATION STARTER

How might your conflicts of interest affect me, and how will you address them?

C. How do your financial professionals make money?

The firm and our financial professions benefit from the services we provide you. Our investment professionals are compensated based on the transaction-based fees that are charged to you and their compensation varies based on the different gross dealer concessions of the products they sell. Ask your financial professional to give you personalized information on how he/she is compensated for different products.

Item 4- DISCIPLINARY HISTORY. Do you or your financial professionals have legal or disciplinary history?

The firm as well as some of its financial professions have legal and disciplinary events. We encourage you to seek additional information. Visit investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.

CONVERSATION STARTER

As a financial professional, do you have any disciplinary history? For what type of conduct?

Item 5- ADDITIONAL INFORMATION

For additional information about our brokers and services, visit Investor.gov, BrokerCheck (brokercheck.finra.org), or our website http://www.rnrsecurities.com/

To report a problem to the SEC, visit investor.gov or call the SEC’s toll-free investor assistance line (800) 732-0330. To report a problem to FINRA, visit finra.org or call FINRA at 301-590-6500. If you would like to discuss a problem with your investments or financial professional with RNR Securities, or would like a copy of this Relationship Summary, contact us by calling 516-222-8875 or by writing us at RNR Securities, LLC. 1802 Hempstead Tpke. East Meadow NY 11554 Attn: Compliance Officer.

CONVERSATION STARTER.

Who is the primary contact person for my investments? Is he or she a representative of an investment advisor or a broker-dealer? If I have concerns about how this person is treating me, who can I talk to?