Firm Information Founded in Biloxi, Mississippi in 1998, Roberts Wealth Management became an independent SEC registered investment adviser in 2020. As of March 2023, Paul E. Roberts, III is the principal owner of the firm. The following paragraphs describe our services and fees. You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to anyone from our firm who is an officer, employee, and all individuals providing investment advice on behalf of our firm. Where required, such persons are properly licensed or registered as investment adviser representatives. Advisory Services Offered Roberts Wealth Management provides financial planning and fee-based discretionary investment advisory services primarily to individual Clients and high-net worth individuals preparing for or in retirement. Discretionary account management grants the Firm ongoing and continuous authority to execute the day-to-day account management and trading without the Client's prior approval of each specific transaction. Asset Management Our firm offers discretionary portfolio management services to our clients. Discretionary portfolio management means we will make investment decisions and place buy or sell orders in your account without contacting you prior to each transaction. These decisions would be made based upon your stated investment objectives. If you wish, you may limit our discretionary authority by, for example, setting a limit on the type of securities that can be purchased for your portfolio. Simply provide us with your restrictions or guidelines in writing. Our investment advice is tailored to meet our clients’ needs and investment objectives. If you decide to hire our firm to assist you with the management of your portfolio, an Associated Person of our firm will meet with you and gather information about your financial situation, investment objectives, and any reasonable restrictions you would like to impose on the management of the account. The information we gather will help us implement an asset allocation strategy that will be specific to your needs and goals. Currently, our asset management services are typically offered in conjunction with a sub-adviser or third-party adviser platform (hereinafter “sub-adviser”). The sub-adviser will assist our firm with back-office support, trading, report preparation, and billing. We generally use model portfolios developed by the sub-adviser and/or other registered investment advisers / strategists. These other investment advisers are responsible for the research and security selection within model portfolios, day-to-day trading, billing calculation, and other back-office operations. Our firm is responsible for the supervision of the account, portfolio reallocations and rebalancing, and ongoing client interaction and servicing. Roberts Wealth Management will conduct due diligence on each sub- advisor and may use/recommend one or more sub-advisers depending on each client’s individual investment objectives, including the following sub-adviser: Foundations Investment Advisors LLC (CRD# 175083): Foundations Investment Advisors LLC gives us access to its proprietary portfolio models, along with models provided or managed by Cabana Asset Management, Frontier Wealth Management, Morningstar Investment Management, BlackRock Solutions, among others. All disclosure information about these entities is available on the SEC’s public disclosure site, www.adviserinfo.sec.gov. All clients will be provided with a current copy of Foundations Investment Advisors LLC’s Form ADV Part 2 Brochure at the inception of service. This document provides important disclosures about Foundations Investment Advisors LLC’s services, portfolio models, fees, conflicts of interest, disciplinary history (if any), and other important information that would help clients understand the scope of sub-advisory services provided by Foundations Investment Advisors LLC. Client assets are primarily allocated amongst individual stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investments. Portfolios will be designed to meet a particular investment goal, determined to be suitable to the Client’s circumstances such as time horizon, risk tolerance and liquidity needs. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based upon the Client’s individual needs, stated goals and objective. Where appropriate, the Firm provides advice about any type of legacy position held in a Client’s portfolio. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). On an ongoing basis, Roberts Wealth Management reviews the client’s financial circumstances and investment objectives, and instructs the sub adviser to make the necessary adjustments to the client’s portfolio. Clients are advised to provide the firm with prompt notice of any changes in their personal financial circumstances, investment objectives, goals, and tolerance for risk. However, Roberts Wealth Management will contact the client at least annually to determine whether there have been any changes in the client's personal financial circumstances, investment objectives, and tolerance for risk. Retirement Plan Rollovers An employee generally has four (4) options for their retirement plan when they leave an employer: 1. Leave the money in his/her former employer’s plan, if permitted 2. Rollover the assets to his/her new employer’s plan if one is available and permitted 3. Rollover to an Individual Retirement Account (IRA), or 4. Cash out the account value, which has significant tax considerations Roberts Wealth Management provides educational services pertaining to retirement plan assets that could potentially be rolled over to an IRA managed by the Firm. Education is based on a particular Client’s financial circumstances. Roberts Wealth Management has an incentive to recommend such a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a Client’s best interest and acting accordingly. As a normal extension of financial advice, we provide education or recommendations related to the rollover of an employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice offers advantages and disadvantages, depending on desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and retirement plans. The complexity of these choices may lead an investor to seek assistance from us. An Associated Person who recommends an investor roll over plan assets into an Individual Retirement Account (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan.

Thus, we have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and expenses will increase to the investor as a result because the above-described fees will apply to assets rolled over to an IRA and outlined ongoing services will be extended to these assets. We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries 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. We have to act in your best interests and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests Assets Under Management As of March 20, 2024, assets under management were as indicated below. Assets under Management Discretionary $107,933,862 Non-Discretionary $0 Total $107,933,862 Wrap Fee Program A wrap fee program is an advisory account with a single fee that covers a bundle of services; such as, portfolio management, advice, and investment research as well as trade execution, custody, and reporting fee.
• Roberts Wealth Management does not sponsor a wrap fee program. Financial Planning Roberts Wealth Management engages Clients in conversations around their goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each Client in mind, the team will offer financial planning ideas and strategies to address the Client’s holistic financial picture that can include one or more of the following:
• Income Planning
• Estate Planning
• Tax Planning
• Medical Planning
• Investment Planning
• Legacy Planning
• Risk Management
• Retirement Planning Roberts Wealth Management partners with our Clients’ other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the Client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets, and periodic updates. Our specific services in preparing your plan can include:
• Review and clarification of your financial goals.
• Assessment of your overall financial position.
• Creation of a unique goal-oriented investment plan.
• Design a risk management plan. Consulting Services Roberts Wealth Management can provide Clients investment advice on a more-limited basis on one or more isolated areas of concern such as estate planning, real estate, retirement planning, or any other specific topic. Additionally, we provide advice on non-securities matters about the rendering of estate planning, insurance, real estate, and/or annuity advice or any other business advisory / consulting services for equity or debt investments in privately held businesses. In these cases, Clients will be required to select their own investment managers, custodian, and/or insurance companies for the implementation of consulting recommendations. Clients have the right to choose whether or not to follow the consulting advice provided. Conflicts of Interest As a fiduciary, Roberts Wealth Management seeks to avoid conflicts of interest or, at a minimum, make full disclosure to provide sufficiently specific facts for clients to understand and appreciate the risk associated with a conflict of interest. The goal is to allow clients to provide informed consent when they decide not to engage Roberts Wealth Management for services. Clients are encouraged to consider and ask questions about the select conflicts of interest listed below. Insurance Products Investment advisor representatives of Roberts Wealth Management are also insurance agents able to sell insurance products for commission compensation. Prior to purchasing or replacing an insurance product, a client’s current holdings will be evaluated. Advisor does not receive commission compensation for the sale of insurance products; however, individual investment advisor representatives of Roberts Wealth Management, in their individual capacity as an insurance agent, do receive commission compensation.
• Advisory fees are not charged on funds used to purchase insurance products.
• Advisory fees are not directly reduced due to commission compensation received by individual insurance agents; however, the amount of funds allocated to an insurance product are considered when determining the asset management fee.
• The receipt of commissions provides an incentive to encourage the purchase of insurance products. Money Managers and Product Sponsors Investment Advisor Representatives will, on occasion, have an opportunity to attend a training event or participate in a due diligence visit where the Money Manager or Product Sponsor will cover the associated travel expenses such as airfare, hotel and meals. Training opportunities are often held at luxury resorts where amenities such as golf, spas and entertainment are provided. Such accommodations represent a conflict of interest that can influence the evaluation of the Money Manager or Product sponsor based on factors other than the quality of services. Additional Compensation Roberts Wealth Management can receive an economic benefit for providing advisory services from sources other than the client. Economic benefits include sales awards and gifts, an occasional meal, as well as entertainment such as a concert, show or sporting event. Such compensation is not directly related to the advice or services provided to a particular client, but it does create a conflict of interest that can influence the selection of services based on the compensation received. Industry Professionals When it is in the best interests of the client, Roberts Wealth Management can introduce the services of other professionals for certain non-investment purposes (i.e., attorneys and accountants). Introductions represent a conflict of interest because they create a relationship where the other professional has an implied obligation to introduce potential new clients to Roberts Wealth Management, although not subject to a formal agreement. Clients are under no obligation to engage the services of any such professional. If the client engages any such professional, and a dispute arises, any recourse will be exclusively from and against the engaged professional. Conflicts of interest are mitigated by the fiduciary duty to always act in a client’s best interest and acting accordingly. Roberts Wealth Management will seek independent counsel to evaluate conflicts as they arise and provide sufficient disclosure and controls which may include declining to participate or proceed with an engagement. Liza Palmer, the Chief Compliance Office, is available to discuss any concerns that exist due to a conflict of interest. Ms. Palmer can be reached at (832) 981-7000.