Our firm is dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of Colorado in 2018 and has been in business as an independent investment adviser since August 2020. Our firm is wholly owned by Jordan Dechtman.
The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value.
Types of Advisory Services Offered Our firm provides discretionary investment advisory services on a fee basis as discussed at Item 5 below. Before engaging our firm to provide investment advisory services, clients are required to enter into an Investment Advisory Agreement with our firm setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. To commence the investment advisory process, our firm will ascertain each client’s investment objective(s) and then allocate the client’s assets consistent with the client’s designated investment objective(s). Once allocated, our firm provides ongoing supervision of the account(s).
Our firm’s annual investment advisory fee shall generally (exceptions can occur-see below) include investment advisory services, financial planning and consulting services for all individual clients. In the event that the client requires extraordinary planning and/or consultation services (to be determined in our firm’s sole discretion), our firm may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client.
Limitations of Financial Planning and Non-Investment Consulting/Implementation Services.
To the extent requested by the client, the Firm will generally provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. The Firm will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions could occur based upon assets under management, extraordinary matters, special projects, stand-alone planning engagements, etc. for which Firm may charge a separate or additional fee). Please Note. The Firm believes that it is important for the client to address financial planning issues on an ongoing basis. The Firm’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with the Firm. Please Also Note: The Firm does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as the same.
ADV Part 2A-Firm BrochurePage 4Dechtman Wealth Management, LLC Accordingly, the Firm does not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purposes (i.e., attorneys, accountants, insurance, etc.), including our representatives in their separate individual licensed capacities-see below. The client is not under any obligation to engage any such professional(s). The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from the Firm and/or its representatives. If the client engages any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not the Firm, shall be responsible for the quality and competency of the services provided.
As indicated below in Item 10, to the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc.), including the Firm’s representative Jordan Dechtman in his separate individual capacity as registered representative of Purshe Kaplan Sterling Investments, Inc. (“PKS”), a SIPC and FINRA member broker-dealer, and licensed insurance agents. The client is under no obligation to engage the services of any such recommended professional.
Please Note-Conflict of Interest: The recommendation that a client purchase a securities or insurance commission product from a Firm representative in his/her individual capacity as a representative of PKS and/or as an insurance agent, presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment and/or insurance products based on commissions to be received, rather than on a particular client’s need. The fees charged and compensation derived from the sale of such insurance and/or securities products is separate from, and in addition to, the Firm’s investment advisory fee. No client is under any obligation to purchase any securities or insurance commission products from any of the Firm’s representatives.
Clients are reminded that they may purchase securities and insurance products recommended by the Firm’s representatives through other, non-affiliated broker-dealers and/or insurance agents.
ANY QUESTIONS: The Firm’s Chief Compliance Officer, Linda Roberts, remains available to address any questions that a client or prospective client may have regarding the above conflicts of interest.
Participation in Wrap Fee Programs Our firm does not participate in a Wrap Fee Program.
MISCELLANEOUS Please Note: Cash Positions. The Firm continues to treat cash as an asset class. As such, unless determined to the contrary by our firm, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating the Firm’s advisory fee.
At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market

conditions/events will occur), the Firm ADV Part 2A-Firm BrochurePage 5Dechtman Wealth Management, LLC may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, the Firm’s advisory fee could exceed the interest paid by the client’s money market fund.
ANY QUESTIONS: Our Firm’s Chief Compliance Officer, Linda Roberts, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. Please Note: Retirement Rollovers-Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If our firm recommends that a client roll over their retirement plan assets into an account to be managed by our firm, such a recommendation creates a conflict of interest if our firm will earn new (or increase its current) compensation as a result of the rollover. If our firm provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), our firm is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by our firm, whether it is from an employer’s plan or an existing IRA. Our firm’s Chief Compliance Officer, Linda Roberts, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Please Note - Use of Mutual and Exchange Traded Funds: Our firm utilizes mutual funds and exchange traded funds for its client portfolios. In addition to our firm investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses).
Portfolio Activity. The Firm has a fiduciary duty to provide services consistent with the client’s best interest. The Firm will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when the Firm determines that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described in Item 5 below during periods of account inactivity.
Client Obligations. In performing our services, the Firm shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, it remains each client’s responsibility to promptly notify the Firm if there is ever any change in his/her financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.
ADV Part 2A-Firm BrochurePage 6Dechtman Wealth Management, LLC Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by the Firm) will be profitable or equal any specific performance level(s).
ERISA Plan and 401(k) Individual Engagements Trustee Directed Plans.Although not currently engaged to do so, the Firm may be engaged to provide discretionary investment advisory services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan trustees.
In such engagements, the Firm will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). The Firm will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm.
Participant Directed Retirement Plans. Although not currently engaged to do so, the Firm may also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between the Firm and the plan. For such engagements, the Firm shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by the Firm), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process.
Client Retirement Plan Assets. If requested to do so, the Firm can provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, the Firm shall allocate (or recommend that the client allocate) the retirement account assets among the investment options available on the 401(k) platform. The Firm’s ability shall be limited to the allocation of the assets among the investment alternatives available through the plan. The Firm will not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify the Firm of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Unless expressly indicated by the Firm to the contrary, in writing, the client’s 401(k) plan assets shall be included as assets under management for purposes of the Firm calculating its advisory fee. Please Note: The Firm does not maintain custody or possession of any client passwords for 401(k) plans.
Regulatory Assets Under Management Our firm manages $650,981,560 as of December 31, 2023.