A. Description of the Advisory Firm Montz Harcus Wealth Management (hereinafter “MHWM”) is a Limited Liability Company organized in the State of Louisiana. The firm was formed in April 2019, and the principal owner is Christine Champagne Montz. B. Types of Advisory Services Before MHWM enters into an advisor-client relationship, we offer a complimentary general consultation to discuss services available, give a prospective client time to review our services, and determine whether the client might benefit from a relationship with the Advisor. Our services begin only after we, together with the client, formalize the relationship with a properly executed agreement. We offer the following services to our clients: Investment Supervisory and Management MHWM offers ongoing investment supervisory and management services based on the individual goals, objectives, time horizons, and risk tolerance of each client. Once established, an Investment Policy Statement is created for each client, which outlines the client’s current financial situation (age, income, tax levels, and risk tolerance). MHWM evaluates the current investments of each client, and then constructs an investment plan and recommended portfolio that matches each client’s specific situation. MHWM will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Clients may engage MHWM to manage and/or offer investment advice on certain investments that are not maintained at their primary custodian, such as assets held in employer sponsored retirement plans, and/or assets held in qualified tuition plans (e.g., 401(k)’s, 529 plans). In these situations, MHWM directs or recommends the allocation of client assets among the various investment options available in each plan/custodian. MHWM’s recommended portfolios generally consist of exchange-listed securities, securities traded over the counter, corporate debt securities, commercial paper, certificates of deposit, municipal securities, variable annuities, mutual funds, United States government securities, options contracts on securities, interests in partnerships investing in real estate or oil and gas interests. Investing in these types of securities helps to diversify an investment portfolio. Adviser’s Use of Third-Party Managers MHWM has chosen to offer certain services through third-party managers. These managers will have the authority to trade within a separately managed account held at our custodian. There will be an additional fee for these services, paid to the third-party manager, disclosed in the managers advisory agreement, along with MHWM fees as fully disclosed within the Advisory Contract. MHWM Comprehensive Financial Planning MHWM offers clients a broad range of financial planning services on a one-time basis, and financial planning updates as a client’s situation may change after the initial plan is prepared. Each plan will be subject to a fee. (See Item 5: Fees and Compensation) In general, financial planning will address any or all of the following areas of interest/concern. With the initial planning fee, the client is offered access to the MHWM team for unlimited questions for one full year from plan completion. The client and advisor will work together to select the specific areas to cover. These areas may include, but are not limited to, the following services:
• Monthly Cash Flow Management MHWM believes that what gets measured gets managed, and that personal financial management all begins with a basic understanding of your everyday spending habits. To gain this understanding, we will review your income and expenses and determine your current monthly savings, or deficits, along with advice on prioritizing how any savings should be leveraged, or how expenses could be reduced if they are exceeding your income. We may also recommend an appropriate cash reserve that should be considered for emergencies such as a loss of job, or an unexpected large repair, along with a review and recommendation of bank accounts (including higher interest paying money market funds) for these reserves, and strategies to meet these goals.
• Debt/Loan Management: We will provide advice on which loans to pay off first, or possibly refinance, based on factors such as your credit score, interest rates, maturity dates, and any income tax ramifications. MHWM believes that debt with favorable low interest rates can at times be advantageous and leveraged to your advantage. Together we will review all outstanding loans, including but not limited to, credit cards, student loans, home mortgages, auto loans, and personal loans, and then create a prioritized debt management plan best suited for your situation.
• Investment Analysis: We will review your current portfolio, developing an asset allocation strategy that aligns with your financial goals and risk tolerance, providing information and strategies on investing in stocks, bonds and mutual funds, reviewing employee retirement plans and equity compensation plans, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure.
• Employee Benefits Optimization: We will provide a review and analysis as to whether you, as an employee, are taking maximum advantage of the employee benefits offered to you by your employer. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.
• Executive Compensation Review: We will help with reviewing your total compensation package, including but not limited to; base salary, bonus incentives, retirement plan benefits, deferred compensation arrangements, equity compensation plans (e.g., stock options, restricted stock programs), employment agreements and severance arrangements, health/dental/short-term/long-term disability insurances, paid time off, HSA/FSA options, as well as discussing/recommending salary negotiation options, strategies and techniques.
• Financial Goals: We will help you identify specific financial goals and develop plans to attain each of them. Goals could include, but are not limited to, saving for a down payment for a home, paying off student debt, buying a new car, funding a child’s education, saving for an upcoming vacation, making charitable contributions, or long-term wealth accumulation. We will identify what you wish to accomplish, create a budget/plan for each goal, determine how much to fund the plan and how often, and then track your progress and adjust accordingly if anything may change the timing, need or desire to achieve each goal.
• College Savings: We will provide analysis projecting the amount of funding that will be needed to pay for a child’s public/private college or post-secondary education. Recommendations as to tax advantages savings plans and investing strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid and/or the best way to contribute to a grandchild’s education (if appropriate).
• Insurance Review: We will review existing policies to ensure proper coverage for life, health, disability, liability,

home, and automobile, as well as an analysis/recommendation for any savings opportunities. Existing life insurance policies will be reviewed to evaluate cash value and policy performance relative to benchmark, as well as interpretation of the life insurer’s illustrated projections. If your policy is not performing in line with expectations, advice may be given regarding strategies (such as increasing the premium, extending the payment duration, or reducing the death benefit.
• Retirement Planning: MHWM’s retirement planning services typically include projections of the likelihood that you will have enough money to comfortably retire at a desired age. For situations where projections show less than optimal results, we may make recommendations that present improved possible outcomes by adjusting certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate investment and distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
• Tax Planning Strategies: MHWM’s advice may include ways to minimize your current and future income taxes as a part of your overall financial planning strategy. For example, we may make recommendations on which type of account(s) or specific investments to be owned based in part on their “tax efficiency,” or “tax deferred status,” with consideration that there is always a possibility of future changes to federal, state and local tax laws and rates that may impact your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your tax professional with your approval or request.
• Estate Planning: We will help you with reviewing elements of your estate plan, which typically includes an analysis of your exposure to estate taxes and establishing or reviewing your current estate plan, which may include whether you have a will, designated beneficiaries on your accounts, powers of attorney, trusts and other related documents/plans. Our advice also may include ways for you to minimize, or avoid, estate taxes through implementing appropriate estate planning strategies, such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request. Clients have full discretion whether to implement the financial plan prepared by MHWM. Clients who elect to engage MHWM to initiate the financial plan and have investable assets of $250,000 or more, the comprehensive financial planning fee will be waived. See Item 5A&B for all fees. Project Consulting Services Consulting services are intended to serve as a periodic process to review and inform a client regarding specific issues or concerns regarding the client’s existing investment account or financial planning needs. Our consulting services will include, but not be limited to, a consultation with the client to discuss the client’s financial goals and objectives, discuss recommendations such as an investment portfolio, retirement needs, taxes, insurance needs, estate planning, business planning, executive compensation arrangements and other relevant topics with the client. MHWM may direct clients to third-party investment advisers to manage all or a portion of the client's assets. Before selecting other advisers for clients, MHWM will always ensure those other advisers are properly licensed or registered as an investment adviser. MHWM conducts due diligence on any third-party investment adviser, which may involve one or more of the following: phone calls, meetings and review of the third-party adviser's performance and investment strategy. MHWM then makes investments with a third- party investment adviser by referring the client to the third-party adviser. MHWM may also allocate among one or more private equity funds or private equity fund advisers. MHWM will review the ongoing performance of the third-party adviser as a portion of the client's portfolio. Educational Seminars MHWM offers educational seminars on occasion to help educate young professionals on the basics of financial planning including how to pay off student debt, insure their interests and how to save for retirement. These seminars may result in new business for MHWM but is not a requirement for attendance. Attendees are in no way required to implement a financial plan through any representative of MHWM. Insurance products may be introduced at these educational sessions as part of a comprehensive financial and life plan for those in attendance. Educational materials will have proper disclosures required by all regulated industries. (See Item 10 (C) for other conflicts of interests in commissionable sales). MHWM does not charge fees for these seminars. Services Limited to Specific Types of Investments MHWM generally limits its investment advice to mutual funds, fixed income securities, real estate funds, insurance products including annuities, equities, private equity funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds and private placements, although MHWM primarily recommends registered investment companies. MHWM may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions MHWM will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by MHWM on behalf of the client. MHWM may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent MHWM from properly servicing the client account, or if the restrictions would require MHWM to deviate from its standard suite of services, MHWM reserves the right to end the relationship. MHWM takes into consideration clients' age, income, tax bracket, financial profile, and any additional information the client may provide that would impact the firm's recommendation to the client. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. MHWM does not participate in any wrap fee programs. E. Assets Under Management MHWM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 518,912,956.00 $ 44,918,226.00 December 31, 2023