Waldman Financial Advisers, LLC (WFA) is a limited liability corporation organized in the state of Virginia. Mark Waldman and Gail Waldman are the principal owners and WFA’s managing members. WFA is registered as an investment adviser with the Securities and Exchange Commission since March 2020. WFA is notice filed in all states where it conducts business and is required to be notice filed. Our transition to registering as an investment adviser with the SEC did not impact how we provide investment advice to our clients. Investment Adviser Representatives (IAR) of WFA that are responsible for giving investment advice must have a FINRA Series 7 License and NASAA Series 66, NASAA Series 65 License or an investment adviser representative licensing equivalent, such as a CFP designation. Investment Management Program WFA provides Investment Management Services, defined as giving continuous advice to clients based on their individual needs through WFA’s Investment Management Services accounts. WFA obtains financial information on the WFA Client Investment Profile Questionnaire and other new account documents from prospective clients to determine the suitability of establishing Investment Management Services accounts and to determine the appropriate investment management strategies that are specific for each client account that is established with WFA. Clients may impose restrictions on the type of investments that may be included in their Investment Management Program accounts. WFA has a Broker-Dealer arrangement with Cambridge Investment Research, Inc. (“Cambridge”) and a Custodian arrangement with National Financial Services, LLC (“NFS”), a SEC registered broker/dealer, member FINRA and SIPC. All variable annuities managed within Investment Management Program accounts are held at the corresponding insurance company’s custodian of record and will have their variable annuity sub-account transactions processed through the Custodians of record for the variable annuities. More details regarding the brokerage options are available in Item 12. Brokerage Practices section of this Disclosure Brochure. WFA uses discretionary trading authority to buy, sell and direct investments within the client accounts, including reinvestment of proceeds from assets sold and income attributable to client accounts, in cash, cash equivalents, bonds, shares of common or preferred stock, unit investment trusts, ETFs, mutual funds, options, variable annuity sub-accounts, or other alternative securities selected by WFA for client accounts. WFA

will not exercise proxy-voting authority over the securities held in client accounts where WFA provides investment management services. The obligation to vote client proxies shall at all times rest with the clients. However, clients may contact WFA for advice or information about a particular proxy vote. WFA shall not be deemed to have proxy-voting authority solely as a result of providing such advice to a client. Should WFA inadvertently receive proxy information for a security held in account, such information shall be immediately forwarded to client. Clients may receive quarterly performance reports from WFA describing account performance and holdings. Not all WFA Clients receive performance reports. Quarterly performance reports that are provided to clients show account performance net of WFA Management Fees. Clients will receive a monthly account statement from the Custodian showing the account activity as well as positions held in the account at month’s end. No less than on a quarterly basis, client will receive a statement from the Custodian for transactions, transaction charges and holdings. WFA has $104,265,412 of assets under discretionary management as of December 31, 2022. WFA has no assets under non-discretionary management. Financial Consulting Services WFA IARs do not currently provide fee based financial consulting services. WFA may conduct retirement planning seminars. Referrals to Other Investment Advisers WFA does not currently have any referred client accounts with other investment advisers. Additional RWM Advisory Service Disclosures WFA does not participate in any wrap fee program as a portfolio manager. Under WFA’s Investment Management Program, there are two separate types of fees. WFA charges an investment advisory fee for our advisory services, and another fee (“ticket charge”) is charged for each transaction (i.e., buy/sell/exchange) by Cambridge, the introducing broker-dealer, for accounts held at NFS. This creates a conflict of interest for Cambridge because there is an incentive to have advisors trade more due to the receipt of transaction based ticket charge revenue by Cambridge. Under a wrap fee program, advisory services and transaction services are provided for one fee to the client, however, certain other non- transaction related fees can be assessed to a wrap fee account. For information on additional fees regarding ticket charges, please refer to Item 5 Fees and Compensation, and Item 12. Brokerage Practices sections of this Brochure.