Firm Description William Joseph Capital Management, Inc. (“WJCM”, “we”, “our”) is an investment advisory firm registered with the SEC and headquartered in the State of Connecticut. It was founded in 2015. The principal owners of William Joseph Capital Management, Inc. are Mr. Matthew Thomas Sweeney, Mr. Joseph “Jody” Elzie Goss and Mr. Justin Bolmgren. We primarily provide two types of advisory services: Investment Management Services and Financial Planning Services. The combination of these services is called Wealth Management. We occasionally provide “Other Consulting” services on a case-by-case basis. Each of these services is described more fully below. Investment Management Our investment management solutions are based on your goals, objectives, time horizon, and risk tolerance. After reviewing your situation in depth, we may create an Investment Policy Statement (IPS) for you. The IPS outlines your current financial situation (income, tax levels, current investment allocation and risk tolerance). On either a discretionary or non-discretionary basis, your investment advisor representative will create and monitor a portfolio designed to reflect your goals and risk tolerance. Investment Advisor Representatives (“IARs”) offer services individually to clients. Each client will work directly with an IAR or a team of IARs. The IAR will assist you in selecting the services most appropriate for you. We invest in a wide range of securities and asset classes. These may include equities, exchange-listed securities, foreign securities, private placements, commercial paper, REITS, corporate debt securities, municipal securities, mutual funds, U S Government securities, as well as fixed, variable and indexed annuities. Investment management services can be provided by means of internal management of your portfolio, or the use of third-party managers. Custom Management This management solution is based on your goals, objectives, time horizon, and risk tolerance. After reviewing your situation in depth, we may create an Investment Policy Statement (IPS) for you. The IPS outlines your current financial situation (income, tax levels, current investment allocation and risk tolerance). On either a discretionary or non-discretionary basis, your investment advisor representative will create and monitor a portfolio designed to reflect your goals and risk tolerance. Employer Sponsored Plans This service provides consulting services to employer plan sponsors (“Sponsor”) and will typically consist of assisting you to establish, monitor and review your company's participant-directed retirement plan. As your needs dictate, areas of advising could include investment options, plan structure and participant education. All Investment supervisory services for employer-sponsored plans shall comply with the applicable state law(s) regulating retirement plan consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and we accept appointments to provide our services to such accounts, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA (but only with respect to the provision of services described in section 1 of the corresponding advisory agreement). WJCM ADV Part 2a March 1, 2024 5 Selection of other Advisors We can offer advisory services by referring you to a third-party money manager offering asset management and other investment advisory services. The third-party managers are responsible for continuously monitoring client accounts and making trades in your account when necessary. Under this program, we assist you with identifying your risk tolerance and investment objectives. We recommend third-party money managers in relation to your stated investment objectives and risk tolerance, and you may select a recommended third-party money manager or model portfolio based upon your needs. You must approve the use of the third-party money manager who provides your designated account with asset management services. We are available to answer questions that you may have regarding your account and act as the communication conduit between you and the third-party money manager. The third-party money manager may take discretionary authority to determine the securities to be purchased and sold for your account. We do not have any trading authority with respect to your designated account managed by the third-party money manager. There may be other third-party managed programs not recommended by our firm, suitable for you and that may cost more or less than the arrangements recommended by our firm. We cannot guarantee that financial goals or objectives will be achieved by the third-party investment manager we recommend. Further, we can make no guarantees of performance. (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more details.

Restrictions In most cases, you can place reasonable restrictions on the types of investments that will be made on your behalf. If we believe the restrictions are not reasonable, we have the right to not accept or terminate an account. Financial Planning Financial Planning Services include the initial writing and formulation of a personal financial plan, with recommendations and supporting written work as necessary, and may include the ongoing tracking of your progress in achieving the personal financial goals targeted in the plan. The scope of Financial Planning Services selected is defined in advance and agreed upon between you and us. Fees for Financial Planning Services are defined below under Item 5 - Fees and Compensation. The Financial Planning Services process typically begins with the collection, organization, and assessment of relevant client data, including information concerning your lifestyle, risk tolerance, and cash flow, as well as identification of your financial concerns, goals, and objectives. The primary objective of this process is to allow us to assist you in developing a strategy for the successful management of income, assets, and liabilities in order to help meet your individual financial objectives. To help achieve this objective, we may perform ongoing tracking of your progress in achieving your financial goals. Financial plans and financial planning or analysis may include, but are not limited to, areas such as: risk management; tax planning; retirement planning; college planning; estate planning and debt/credit management. Because investing involves varying degrees of risk, our advice will only be recommended when consistent with a client's stated investment objectives, risk tolerance, liquidity needs, and suitability. Wealth Management Wealth Management Services refers to the combination of Financial Planning Services and Investment Management Services, as each is described above. Wealth Management Services may be provided under the name “Admiralty Private Client Group”. Fees for Wealth Management Services are defined below under Item 5 - Fees and Compensation. Any implementation of the recommendations we offer while WJCM ADV Part 2a March 1, 2024 6 rendering our Wealth Management service is entirely at your discretion. You are advised that a potential conflict of interest exists if we recommend our own Investment Management Services for the implementation of the recommendations contained in the financial plan. Other Consulting Services Other Consulting Services include financial advice and/or analysis of a specific client objective or situation, as defined and agreed on by you and us in advance. This may include social security and retirement income analysis. The specific objective or situation may be the evaluation of a specific venture or investment you want to consider, or it may be the evaluation of an advisory service offered by another professional organization. Depending on the depth and breadth of the analysis or advice, the advisor may choose to provide this for free. Fees for Other Consulting Services are described below under Item 5 - Fees and Compensation. Conflict of Interest IARs may have their own legal business entities whose trade names and logos are used for marketing purposes and may appear in marketing materials. You should understand that the businesses are legal entities of the IAR. WJCM and the IAR’s business entities are independently owned and operated. When offering financial planning or investment management services, the IARs are under the supervision of WJCM, and the services are provided through WJCM. For further details, see the section: Item 10 – Other Financial Activities and Affiliations. IRA Rollover Recommendations When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are 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. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Assets under Management As of the close of business on January 1, 2024, we had $270 million in assets under management (AUM) on a discretionary basis.