Description of the Firm Wisdom Wealth Strategies, LLC is a Colorado domiciled limited liability company originally formed in December of 2009. We operate under the business name Wisdom Wealth Strategies. We are not a subsidiary of, nor do we control, another financial services industry entity. Our original registration as an investment adviser occurred in 2014 with the State of Colorado and has since changed to an SEC registration during 2021. Our firm and its associates may register, become licensed or meet certain exemptions to registration and/or licensing in other jurisdictions in which we conduct investment advisory business. Andrea L. Blackwelder, CFP®, ChFC® and Joseph D. Clemens, CFP®, EA, AIF® are the firm’s Managing Members and shareholders. Ms. Blackwelder also serves as our Chief Compliance Officer (supervisor). Additional information about Ms. Blackwelder and Mr. Clemens and their professional experience may be found in their respective Form ADV Part 2B brochure supplements. Description of Advisory Services If you choose to engage Wisdom Wealth Strategies for its services, you must first complete our client agreement. Thereafter, discussion and analysis will be conducted to determine your financial needs, goals, holdings, etc. Depending on the scope of the engagement, you may be asked to provide copies of the following documents early in the process:
• Wills, codicils, and trusts
• Insurance policies
• Mortgage information
• Tax returns
• Current financial specifics including W-2s or 1099s
• Information on current retirement plans and benefits provided by your employer
• Statements reflecting current investments in retirement and non-retirement accounts
• Employment or other business agreements you may have in place
• Completed risk profile questionnaires or other forms provided by our firm It is important that the information and/or financial statements you provide are accurate. Our firm is not obligated to verify the information you have provided which will then be used in the advisory process. Financial Planning For those interested in areas such as: cash flow and budgeting, education funding, retirement planning, risk management, estate planning, as well as periodic investment advice, we offer our financial planning services. Your financial plan is customized for your situation. The incorporation of most or all the above subjects allows not only a thorough analysis but also a tailored plan that is focused on your unique requirements so that we are able to assist you in reaching your goals. A range of variables can affect the development of a financial plan, such as the quality of your own records, complexity and number of current investments, diversity of insurance products and employee benefits you currently hold, size of the potential estate, and special needs of the client or their dependents, among others. At your request, we may concentrate on reviewing only a specific area, such as an employer retirement plan allocation, funding an education, etc. When our planning services focus only on certain areas of your interest, your overall situation may not be fully addressed due to limitations you may have established. In all instances involving our financial planning engagements, our clients retain full discretion over all implementation decisions and are free to accept or reject any recommendation we make. Portfolio Management Our firm is able to implement investment strategies that we have recommended to you. Depending on your risk profile, goals and needs, among other considerations, your portfolio will involve the employment of one of our investment strategies as well as either a broad range or more narrowly focused choice of investment vehicles which are further discussed in Item 8 of this brochure, and our fee rates are noted in Item 5. Where appropriate, we will prepare investment guidelines reflecting your objectives, time horizon, tolerance for risk, as well as any account constraints you may have for the portfolio. For example, you have the right to exclude certain securities from your portfolio (e.g., no options or foreign stocks). Investment guidelines are designed to be specific enough to provide future guidance while allowing flexibility to work with changing market conditions. We do not

sponsor or serve as portfolio manager of a wrap fee investment program. Investment Supervisory Services Through our investment supervisory services offering we develop a customized portfolio for you based on your unique situation, investment goals and tolerance for risk. We serve as your portfolio manager under a discretionary or non-discretionary agreement (refer to Item 16), and the engagement includes:
• Determination of risk tolerance
• Investment strategy
• Investment guideline development
• Asset allocation
• Asset selection
• Regular monitoring
• Periodic rebalancing Tax Return Preparation Qualified firm personnel are available to provide our clients assistance in the preparation of federal and state income tax returns. Combining personal and/or small business income tax return preparation with financial planning may assist clients with a thorough, coordinated understanding of their finances. Clients are not obligated to use our firm for multiple services. Retirement Plan Services Our firm is available to assist retirement plan sponsors in understanding the scope of their duties and responsibilities, assist them with their investment options, and provide general advice and support during retirement plan group enrollment. We provide our plan services per § 3(21) of the Employee Retirement Income Security Act of 1974 (ERISA). We do not serve as plan adviser pursuant to ERISA § 3(38), investment manager or plan administrator. Investment selection and rebalancing will be accomplished by plan participants on a self-directed basis. Retirement Plan Advice and Rollovers As a registered investment adviser, our firm is a fiduciary to every client, meaning that we are obligated to act in our clients’ best interests at all times. In addition to our fiduciary status as an investment adviser firm, when our firm provides advice to retirement investors, such as advice on an employer-sponsored retirement plan, Individual Retirement Account (IRA) or other qualified retirement plan, we may also be considered by the Department of Labor and the Internal Revenue Service to be acting as a fiduciary under Title I of ERISA and the Internal Revenue Code. These fiduciary obligations include requirements that we disclose our services and fees, conflicts of interest, and the reasons our recommendations are in the client’s best interests. After an analysis of the client’s situation and plan documents, we will consider relevant factors including but not limited to the following:  Alternatives to rolling the employer plan to an IRA, including leaving the money in an employer’s retirement plan (if permitted); rolling the money to a new employer plan if available; or cashing out;  The fees and expenses associated with both the employer’s plan and the rollover IRA (or other alternatives such as noted above) and whether the employer current pays for some or all of the plan’s expenses;  The different levels of services and investments available under the employer plan and the rollover IRA, and other alternatives;  Evidence that a rollover is the most appropriate choice in light of any additional costs and the resultant decrease in the client’s returns;  How withdrawals are treated under each alternative (e.g., penalties up to age 55 vs. 59-1/2);  Protection from creditors and legal judgments (unlimited vs. bankruptcy only; federal- and state- specific);  Required minimum distributions;  Tax implications of rolling shares of employer stock;  The impact of economically significant investment features such as surrender schedules and index annuity cap and participation rates (such as in an employer-sponsored 403(b) plan account);  Any other relevant variables particular to the client’s situation. The client will be made aware of conflicts of interest including but not limited to whether our firm will profit from a recommendation through financial planning and/or investment management fees, and whether services we offer are already provided by or available through the current plan, potentially at no additional cost. As of December 31, 2022, our firm had over $108.2 million of reportable client assets under its management via discretionary engagement agreements.1 1 The term “assets under management” and rounding to the nearest $100,000 per the SEC’s Instructions for Part 2 of Form ADV.