Firm Description Kevin M. Young Financial, Inc., dba Young Wealth Management (“Young Wealth Management,” “Advisor,” “we,” “our,” and “us”), is a fee-only comprehensive financial planning firm that specializes in providing financial planning and investment advisory services to individuals, high net worth individuals, families, trusts, estates, and small businesses. Kevin M. Young, MBA, EA, CFP® is the President and owner of Young Wealth Management. The firm was established by Mr. Young in 2007 as a sole proprietorship and later incorporated under the laws of the State of California in 2010. In July 2021 we were granted registration as an investment advisor with the SEC, having previously been registered with the State of California since 2008. Young Wealth Management attempts to distinguish itself from other investment advisory firms by serving as a trusted guide to its clients (“you,” “your,” and “client”) in identifying their personal financial objectives, finding solutions to their financial problem areas, and designing and simplifying their cash flow planning and investments. In addition, our firm serves as a trusted resource with respect to advice regarding financial risk, asset allocation and portfolio design, retirement planning, education planning, insurance, and estate planning. We also provide tax planning and individual tax preparation services to some of our clients. All services are tailored to each client’s unique objectives. Young Wealth Management and its personnel do not sell insurance or investment products such as annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or any other commissioned products, and we are not affiliated with any entities that sell such products or services. No commissions in any form are accepted. We do not pay referral or finder’s fees, nor do we accept such fees from other firms. We are compensated solely by the advisory fees paid to us by our clients. We believe this method of compensation best aligns with our fiduciary duty to you. Our role is to make investment and financial planning recommendations and to execute such recommendations on your behalf. We do not act as a custodian of your assets. Your assets will be held in an account (or accounts) titled in your name at an independent qualified custodian (such as a bank or brokerage firm) that will directly provide you with regular account statements. When we are responsible for executing trades for your account(s), we do this under a limited power of attorney (“LPOA”) executed by you granting Young Wealth Management trading authority over your designated account(s). All trades will be made on a discretionary basis, meaning we are not required to obtain your approval for each specific transaction prior to executing our investment recommendations, including the selection and retention of sub-advisors or other independent third-party money managers to manage all or a portion of your assets. You may impose reasonable restrictions on our management of your account(s), including instructing us not to purchase certain specific securities, industry sectors, and/or asset classes. We will always exercise our discretionary authority in strict accordance with your unique investment objectives, limitations, and suitability. We will notify you if we are ever unable to comply with any of your investment restrictions. Our recommendations and services may be delivered to you in a variety of forms, including through written financial statements, summaries, or evaluations, personal meetings, telephonic meetings, and/or video conferences. Other third-party professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by clients on an as-needed basis. Any conflicts of interest will be disclosed to a client in the unlikely event they should occur. We typically offer prospective clients a complimentary, no obligation, initial consultation to determine the extent to which financial planning and/or investment management services may be beneficial to the client and to estimate the cost for our services. An advisor-client relationship only commences after the client has signed a written investment advisory agreement with our firm. Young Wealth Management enters into a written advisory agreement with each client that details the scope of the relationship and responsibilities of both our firm and the client. Advice and services provided under the agreement are always tailored to the stated objectives of the client. Advisory Services We offer the following advisory services:  Combined Asset Management and Financial Planning Services: Our primary service offering includes a robust suite of ongoing holistic and comprehensive financial planning and discretionary asset management services. Tax preparation services may also be included at Young Wealth Management’s discretion. We typically require a minimum household portfolio size of $500,000 to engage our firm for these combined services. We may waive this requirement based on individual client circumstances or to honor legacy client relationships. If a client is not able to meet the minimum account balance, they are subject to a minimum fee as set forth in Item 5.  Limited Scope Financial Consulting Services: Where a client does not meet our required $500,000 assets under management minimum, Young Wealth Management may offer a short term financial consulting project intended to address the 2-3 most pressing financial topics of concern identified through consultation with the client. This service does not include comprehensive financial planning and no written financial plan will be provided to the client. Rather, it is a short-term engagement of limited scope designed to address the financial topics and concerns that are most pressing to the client through in-person, telephonic, e-mail, and/or video-conferencing consultation with the client. In some instances, at Young Wealth Management’s discretion, certain written reports may be provided to the client. A further description of each of our service offerings is as follows: 1. Combined Asset Management and Financial Planning: When you engage us for Combined Asset Management and Financial Planning Services, we will consult with you at the inception of our relationship to learn about your investment objectives, tolerance for risk, time horizon for investments, tax situation, future goals, income, expense, and cash flow expectations, and other factors, and document the same in our records. Based on our review of this information, and as further informed by our proprietary analysis and periodic follow up consultations with

you, we will provide you with ongoing detailed financial planning and portfolio management services that are uniquely tailored to your financial circumstances, investment objectives, and needs. The investment advice and recommendations provided as part of this process may include, without limitation, recommendations that the client begin or revise certain investment programs; create or revise wills or trusts; obtain or revise insurance coverage; commence or alter retirement savings; establish education savings or charitable giving programs; and purchase or sell certain specific securities. We will directly implement our investment advice within the custodial accounts you have placed under our discretionary management. Following our initial implementation of the desired investment portfolio, we will monitor these accounts on an ongoing basis, making changes to the contents of your portfolio as we believe to be in your best interests, in consideration of current economic conditions, our market opinions and assumptions, and your individual financial circumstances and goals. The financial planning and consulting advice we provide clients as part of this suite of services is intended to assist clients in the management of their overall financial affairs. We will review your financial situation and assets, risk profile, investment time horizon, and investment goals and provide you with certain written financial plans or reports as we may agree in writing. We will review and update these plans and reports as necessary and appropriate throughout our relationship, and at such other times as you may reasonably request. Our financial recommendations will address assets and accounts designated by the client for our advice that are “held away” from the accounts over which we exercise investment discretion. You will always hold the sole and absolute discretion to accept or reject, in whole or in part, any of our investment recommendations relating to your “held away” assets and accounts and will be responsible for the implementation of any of the same, utilizing the service providers of your choice. Except as specifically otherwise agreed in writing, you will also be responsible for the ongoing monitoring of your “held away” investments throughout the term of our engagement. Implementation services are provided as needed, at the client’s option, although you are never under any obligation to engage our firm to implement any advice with respect to your “held away” assets or accounts. During the Initial Year of these services, there are typically 2-4 meetings with the client covering client-relevant financial planning and investment management topics. More than one topic may be covered in one meeting. If requested, the number of meetings can be reduced by combining several topics into one longer appointment. Meetings will be held face-to-face, via secure teleconference, and/or by telephone. Initial Year topics include:
• Investment strategies and selection
• Portfolio / Net Worth Analysis
• Insurance / Risk Management
• Estate Planning
• Retirement Planning Additional topics may include:
• Asset allocation strategies
• Budgeting and cash flow
• Education planning
• Employee benefit analysis
• Goal setting
• Inventory of assets
• Real estate (primary or investment)
• Record-keeping
• Small business planning
• Tax planning
• Other financial planning or financial services as requested by the client Following the initial year of our relationship, there are typically 1-2 meetings annually, depending on the client’s needs. Topics may cover the full spectrum, but will usually be grouped into meetings to cover at least:
• Investment strategy review and update
• Portfolio rebalancing
• Portfolio/net worth update
• Retirement projection
• Tax planning
• Other financial planning or financial services as requested by the client Other Initial Year topics are reviewed with the client periodically, as needed. At our option, we may also provide you with tax preparation services. All such services are provided by Kevin M. Young, MBA, EA, CFP®, in his individual capacity as an Enrolled Agent (“EA”). Additional fees for tax preparation services may apply. Please see Item 5 of this Brochure for details. 2. Limited Scope Financial Consulting Services: In a limited number of cases, we offer short term engagements to clients who do not meet our $500,000 assets under management minimum and are looking for a more limited scope of engagement. Short term projects do not provide comprehensive financial planning. Rather, these limited services focus on 2-3 of the following areas: investment strategies and investment selection, net worth analysis, retirement planning, estate planning, education planning, budgeting and cash flow, employee benefit analysis, goal setting, or other financial planning topic requested by client. Project engagements include an initial meeting designed to allow our firm to obtain an understanding of the client’s financial concerns and goals and a follow up meeting during which we share our recommendations to assist you in achieving your objectives (“Recommendation Consultation”). The scope of these project-based engagement includes analysis and recommendations, but not implementation or monitoring. The client makes all final investment decisions. The engagement is deemed to be concluded, and no updates or reviews of our financial consulting advice are provided following the conclusion of our Recommendation Consultation with the client. Wrap Fee Programs We do not currently sponsor, serve as a portfolio manager to, or recommend any wrap fee programs to our clients. Types of Investments and Investment Strategies Recommended While we do not recommend one particular type of investment over any others, typical investments on which clients seek and obtain our advice include mutual funds, exchange-traded funds (“ETFs”), individual stocks and bonds (corporate, agency, and municipal), U.S. government securities, cash, and cash equivalents (such as money market funds and certificates of deposit). We may advise on other types of instruments at the request of the client or where otherwise appropriate and in the client’s best interests. The investment strategies we recommend for client accounts are discussed in Item 8 of this Brochure. Assets Under Management As of January 24, 2024, we managed approximately $116,599,737 of client assets on a discretionary basis and $0 on a non-discretionary basis.