Firm Information PMG Wealth Management is a registered investment adviser based in Hawthorn Woods, Illinois. The firm is registered with the U.S. Securities and Exchange Commission and is a S-corporation formed under the laws of the State of Illinois. PMG is also approved to do business in other states as required by regulation. The firm was originally incorporated in 2007 as an S-Corp under the laws of the state of Illinois. Advisory services have been offered through individuals registered as investment advisor representatives of LPL Financial and its corporate RIA since 2007. In 2017, PMG formed its own RIA and since then all advisory services have been offered through PMG. Our custodian continues to be LPL Financial. The investment advisory services of PMG are provided to you through an appropriately licensed and qualified individual who is an investment adviser representative of PMG (referred to as your investment adviser representative throughout this brochure). PMG is a registered investment advisor (RIA) with offices in Hawthorn Woods, IL and Cape Coral, FL, and maintains state registrations in other states as required by regulation, such as Florida and California. Your investment adviser representative is limited to providing the services and charging investment advisory fees in accordance with the descriptions detailed in this brochure. However, the exact services you receive and the fees you will be charged will be specified in your advisory services agreement. PMG is solely owned by Phillip Guerrero, CFP®. Description of Advisory Services PMG offers investment advisory services to individuals, high net worth individuals, trusts, estates, and business owners (each referred to as a “Client”). PMG serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith to each Client while seeking to minimize and disclose any conflicts of interest. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Please understand that a written agreement, which details the exact terms of the service, must be signed by you and PMG before we can provide you the services described below. Investment Management Services PMG offers customized investment management services, which involves PMG providing you with continuous and ongoing supervision over your specified accounts. The majority of our portfolios are managed directly in house, custom built to your specific situation, and held in custody at LPL Financial. We may recommend the use of outside professional managers from time to time or decide to hold a client’s previous outside professionally managed account upon the time services begin. PMG works PMG Wealth Management Page 5 Form ADV Part 2A, Rev. 04/2024 closely with each client to identify their investment goals and objectives as well as risk tolerance and financial situation to build an overall strategy. Our investment management services are provided on a discretionary basis. You must provide us with written authority to use discretion, as this is part of the account opening procedure. Any discretion is limited to investment authority only. With this authority our advisors make all decisions to buy, sell, exchange, or hold the specific securities within the portfolio. This also includes the use of cash as an asset class and, from time to time, will raise and lower cash levels depending on risk concerns with the markets. It is not our typical investment strategy to attempt to time the market, but we may increase cash holdings modestly as deemed appropriate based on your risk tolerance and our expectations of market behavior. We may modify our investment strategy to accommodate special situations such as low basis stock, stock options, legacy holdings, inheritances, closely held businesses, collectibles, or special tax situations. PMG has no authority to transfer monies to other accounts, has no access to your funds, other than the ability to debit the account for agreed upon management fees. All clients who utilize PMG’s advisory services must sign an “Advisory Agreement” along with any applicable custodian or outside manager platform forms as applicable. You must appoint our firm as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the Account, and you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting and receive transaction confirmations) of the Account. The Account is managed by us based on a number of factors including your financial situation, investment objectives and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the Account. We will need to obtain certain information from you to determine your financial situation and investment objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance or investment objective and whether you wish to impose or modify existing investment restrictions; however we will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. We are always reasonably available to consult with you relative to the status of your Account. You have the ability to impose reasonable restrictions on the management of your accounts, including the ability to instruct us not to purchase certain securities. It is important that you understand that we manage investments for other clients and may give them advice or take actions for them or for our personal accounts that is different from the advice we provide to you or actions taken for you. We are not obligated to buy, sell or recommend to you any security or other investment that we may buy, sell or recommend for any other clients or for our own accounts. Conflicts may arise in the allocation of investment opportunities among accounts that we manage. We strive to allocate investment opportunities believed to be appropriate for your account(s) and other accounts advised by our firm among such accounts equitably and consistent with the best interests of all accounts involved. However, there can be no assurance that a particular investment opportunity that PMG Wealth Management Page 6 Form ADV Part 2A, Rev. 04/2024 comes to our attention will be allocated in any particular manner. If we obtain material, non-public information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no obligation to disclose the information to any client or use it for any client’s benefit. Financial Planning & Consulting Services PMG offers financial planning services, which involves preparing a written financial plan covering specific or multiple topics. We provide full written financial plans, which typically address the following topics: Investment Planning, Retirement Planning, Tax Planning, Portfolios Review, and Asset Allocation. When providing financial planning and consulting services, the role of your investment adviser representative is to find ways to help you understand your overall financial situation and help you set financial objectives. We also offer consultations in order to discuss financial planning issues when you do not need a written financial plan. Some are one-time consultations, which cover mutually agreed upon areas of concern related to investments or financial planning. These may be recommended by us. We also offer “as- needed” consultations, which are in response to a particular investment or financial planning issue raised or requested by you. Under an “as-needed” consultation, it will be incumbent upon you to identify those particular issues for which you are seeking our advice or consultation on Depending on your situation, Financial Planning and Consulting Services may be more comprehensive in nature and other times it may be better addressed in a modular format. The planning areas listed below can be part of a larger comprehensive plan or individually addressed as needed.
• Cash Flow and Debt Management: We will conduct a review of your gross/net incomes and expenses to determine your cash flow situation. This enables us to project your surplus or deficit each month and provide advice on tackling your priorities. Advice could include which debts to pay of first, which order, and where to save any surplus. We are big believers in creating an emergency savings fund and will double check that this amount is appropriate for your situation.
• Investment Planning: PMG will make recommendations in this area based on the review of a client’s overall investment objective, return requirements, risk tolerance, time horizon, liquidity needs, tax preference and other unique circumstances. Any change in your personal circumstance in between reviews should be conveyed to PMG so we can make any adjustments as needed. Investment planning can take anywhere between six to forty hours depending upon the client’s profile and circumstances
• Retirement Planning: PMG determines retirement income goals and gathers information about potential sources of retirement. PMG creates a unified and comprehensive retirement plan covering assets, income needs, budgeting (as needed), cash flow review and strategy, income, taxation, inheritance, and risk management. A long-term asset management plan is structured considering economic environment and inflationary conditions, tax minimization strategy, uncertainty and market volatility. Retirement planning services include research, financial modeling and mathematical simulation to identify adequacy of client’s investment and savings to attain retirement readiness, and to clarify strategic choices and actions. Retirement planning can take anywhere between ten to fifty hours depending upon the client’s profile and circumstances.
• Tax Planning: PMG works with third party tax / accounting advisor(s) to align financial goals with tax efficiency planning. Tax planning would encompass many different aspects e.g. selection of PMG Wealth Management Page 7 Form ADV Part 2A, Rev. 04/2024 investment options and types of retirement plans, timing of income and capital growth as well as tax lot selection for investment transactions within client’s portfolio. Tax planning services would include recommendations on tax reduction strategies based on income, expenses, individual needs and goals. As needed, PMG is available to work with your existing tax / accounting advisor(s) or can recommend one if you are looking for a new relationship. PMG does not share any fees with any outside CPA’s / accounting advisor(s). Fee arrangements with outside professionals are described in the section ‘Other Fee Terms for Financial Planning, Institutional Advisory & Consulting Services’. Tax planning can take anywhere between five to forty hours depending upon the client’s profile and circumstances.
• Portfolio Review and Asset Allocation: PMG researches clients’ existing portfolios and underlying investments to determine the asset class mix, return profile and risk characteristics. PMG will also compare existing holdings to the clients risk objectives based on the client profile to ensure that the two match. PMG also analyzes return, risk and modern portfolio statistics and runs mathematical simulation, wherever necessary, to identify the adequacy of the portfolio against client’s investment objectives and risk tolerance. Portfolio Review and asset allocation can take anywhere between ten to fifty hours depending upon the client’s profile and circumstances. Our financial planning and consulting services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. You have the sole responsibility for determining whether to implement our financial planning and consulting recommendations. To the extent that you would like to implement any of our investment recommendations through PMG or retain PMG to actively monitor and manage your investments, you must execute a separate written agreement with PMG for our asset management services. Referral of Third-Party Money Managers Occasionally PMG offers advisory services by referring clients 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 client accounts when necessary. As a result of the referral, we are paid a portion of the fee charged and collected by the third-party money managers in the form of solicitor fees. Each solicitation arrangement is performed pursuant to a written solicitation agreement and is in compliance with SEC Rule 206(4)-3 and applicable state securities rules and regulations. 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 enter into an agreement directly with 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. PMG Wealth Management Page 8 Form ADV Part 2A, Rev. 04/2024 Although we review the performance of numerous third-party investment adviser firms, we enter into only a select number of relationships with third-party investment adviser firms. PMG will only enter in to agreements with other investment advisory firms that are properly registered in the state of client residence. All of the third-party firms we use have also agreed to pay us a portion of the overall fee charged to our clients. Therefore, PMG has a conflict of interest in that it will only recommend third-party investment advisors that will agree to compensate us for referrals of our clients. Clients are advised that there may be other third-party managed programs not recommended by our firm, that are suitable for the client and that may

be more or less costly than arrangements recommended by our firm. No guarantees can be made that a client’s financial goals or objectives will be achieved by a third-party investment adviser recommended by our firm. Further, no guarantees of performance can ever be offered by our firm (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more details.) Retirement Plan Services PMG offers retirement plan services to retirement plan sponsors and to individual participants in retirement plans. For a corporate sponsor of a retirement plan, our retirement plan services can include, but are not limited to, the following services: Fiduciary Consulting Services PMG provides the following Fiduciary Retirement Plan Consulting Services:
• Investment Policy Statement Preparation. PMG will help you develop an investment policy statement. The investment policy statement establishes the investment policies and objectives for the Plan. You will have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the investment policy statement.
• Non-Discretionary Investment Advice. PMG will provide you with general, non-discretionary investment advice regarding assets classes and investment options, consistent with your Plan’s investment policy statement.
• Investment Selection Services. PMG will provide you with recommendations of investment options consistent with ERISA section 404(c).
• Investment Due Diligence Review. PMG will provide you with periodic due diligence reviews of the Plan’s reports, investment options and recommendations.
• Investment Monitoring. PMG will assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the investment policy statement and PMG will make recommendations to maintain or remove and replace investment options.
• Default Investment Alternative Advice. PMG will provide you with non-discretionary investment advice to assist you with the development of qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. Section 2550.404c-5(e)(4)(i), for participants who are automatically enrolled in the Plan or who otherwise fail to make an investment election. You will retain the sole responsibility to provide all notices to participants required under ERISA section 404(c)(5). PMG Wealth Management Page 9 Form ADV Part 2A, Rev. 04/2024
• Individualized Participant Advice. Upon request, PMG will provide one-on-one advice to Plan participants regarding their individual situations. For Fiduciary Consulting Services, all recommendations of investment options and portfolios will be submitted to you for your ultimate approval or rejection. For retirement plan Fiduciary Consulting Services, the retirement plan sponsor client or the plan participant who elects to implement any recommendations made by us is solely responsible for implementing all transactions. Fiduciary Consulting Services are not management services, and PMG does not serve as administrator or trustee of the plan. PMG does not act as custodian for any client account or have access to client funds or securities (with the exception of, some accounts, having written authorization from the client to deduct our fees). PMG acknowledges that in performing the Fiduciary Consulting Services listed above that it is acting as a “fiduciary” as such term is defined under Section 3(21)(A)(ii) of Employee Retirement Income Security Act of 1974 (“ERISA”) for purposes of providing non-discretionary investment advice only. PMG will act in a manner consistent with the requirements of a fiduciary under ERISA if, based upon the facts and circumstances, such services cause PMG to be a fiduciary as a matter of law. However, in providing the Fiduciary Consulting Services, PMG (a) has no responsibility and will not (i) exercise any discretionary authority or discretionary control respecting management of Client’s retirement plan, (ii) exercise any authority or control respecting management or disposition of assets of Client’s retirement plan, or (iii) have any discretionary authority or discretionary responsibility in the administration of Client’s retirement plan or the interpretation of Client’s retirement plan documents, (b) is not an “investment manager” as defined in Section 3(38) of ERISA and does not have the power to manage, acquire or dispose of any plan assets, and (c) is not the “Administrator” of Client’s retirement plan as defined in ERISA. Non-Fiduciary Services Although an investment adviser is considered a fiduciary under the Investment Advisers Act of 1940 and required to meet the fiduciary duties as defined by the Advisers Act, the services listed here as non- fiduciary should not be considered fiduciary services for the purposes of ERISA since Advisor is not acting as a fiduciary to the Plan as the term “fiduciary” is defined in Section 3(21)(A)(ii) of ERISA. The exact suite of services provided to a client will be listed and detailed in the Qualified Retirement Plan Agreement. PMG provides clients with the following Non-Fiduciary Retirement Plan Consulting Services:
• Participant Education. PMG will provide education services to Plan participants about general investment principles and the investment alternatives available under the Plan. PMG’s assistance in participant investment education will be consistent with and within the scope of DOL Interpretive Bulletin 96-1. Education presentations will not take into account the individual circumstances of each participant and individual recommendations will not be provided unless otherwise agreed upon. Plan participants are responsible for implementing transactions in their own accounts.
• Participant Enrollment. PMG will assist you with group enrollment meetings designed to increase retirement plan participation among employees and investment and financial understanding by the employees. PMG Wealth Management Page 10 Form ADV Part 2A, Rev. 04/2024
• Qualified Plan Development. PMG will assist you with the establishment of a qualified plan by working with you and a selected Third Party Administrator. If you have not already selected a Third Party Administrator, we shall assist you with the review and selection of a Third Party Administrator for the Plan.
• Due Diligence Review. PMG will provide you with periodic due diligence reviews of your Plan’s fees and expenses and your Plan’s service providers.
• Fiduciary File Set-up. PMG will help you establish a “fiduciary file” for the Plan which contains trust documents, custodial/brokerage statements, investment performance reports, services agreements with investment management vendors, the investment policy statement, investment committee minutes, asset allocation/asset liability studies, due diligence fields on funds/money managers and monitoring procedures for funds and/or money managers.
• Benchmarking. PMG will provide you benchmarking services and will provide analysis concerning the operations of the Plan. Securities and other types of investments all bear different types and levels of risk. Those risks are typically discussed with clients in defining the investment policies and objectives that will guide investment decisions for their qualified plan accounts. Upon request, as part of our retirement plan services, we can discuss those investments and investment strategies that we believe may tend to reduce these risks for a particular client’s circumstances and plan participants. Clients and plan participants must realize that obtaining higher rates of return on investments entails accepting higher levels of risk. Based upon discussions with the client, we will attempt to identify the balance of risks and rewards that is appropriate and comfortable for the client and other employees. It is still the clients’ responsibility to ask questions if the client does not fully understand the risks associated with any investment. All plan participants are strongly encouraged to read prospectuses, when applicable, and ask questions prior to investing. We strive to render our best judgment for clients. Still, PMG cannot assure that investments will be profitable or assure that no losses will occur in their portfolios. Past performance is an important consideration with respect to any investment or investment advisor, but it is not necessarily an accurate predictor of future performance. PMG will disclose, to the extent required by ERISA Regulation Section 2550.408b-2(c), to you any change to the information that we are required to disclose under ERISA Regulation Section 2550.408b- 2(c)(1)(iv) as soon as practicable, but no later than sixty (60) days from the date on which we are informed of the change (unless such disclosure is precluded due to extraordinary circumstances beyond our control, in which case the information will be disclose as soon as practicable). In accordance with ERISA Regulation Section 2550.408b-2(c)(vi)(A), we will disclose within thirty (30) days following receipt of a written request from the responsible plan fiduciary or Plan Administrator (unless such disclose is precluded due to extraordinary circumstances beyond our control, in which case the information will be disclosed as soon as practicable) all information related to the Qualified Retirement Plan Agreement and any compensation or fees received in connection with the Agreement that is required for the Plan to comply with the reporting and disclosure requirements of Title 1 of ERISA and the regulations, forms and schedules issued thereunder. PMG Wealth Management Page 11 Form ADV Part 2A, Rev. 04/2024 If we make an unintentional error or omission in disclosing the information required under ERISA Regulation Section 2550.408b-2(c)(1)(iv) or (vi), we will disclose to you the correct information as soon as practicable, but no later than thirty (30) days from the date on which we learns of such error or omission. Retirement Plan Rollover Recommendations When PMG provides investment advice about your retirement plan account or individual retirement account (“IRA”) including whether to maintain investments and/or proceeds in the retirement plan account, roll over such investment/proceeds from the retirement plan account to a IRA or make a distribution from the retirement plan account, we acknowledge that PMG is a “fiduciary” within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”) as applicable, which are laws governing retirement accounts. The way PMG makes money creates conflicts with your interests so PMG operates under a special rule that requires PMG to act in your best interest and not put our interest ahead of you. Under this special rule’s provisions, PMG must as a fiduciary to a retirement plan account or IRA under ERISA/IRC:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put the financial interests of PMG ahead of you when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that PMG gives advice that is in your best interest;
• Charge no more than is reasonable for the services of PMG; and
• Give Client basic information about conflicts of interest. To the extent we recommend you roll over your account from a current retirement plan account to an individual retirement account managed by PMG, please know that PMG and our investment adviser representatives have a conflict of interest. We can earn increased investment advisory fees by recommending that you roll over your account at the retirement plan to a IRA managed by PMG. We will earn fewer investment advisory fees if you do not roll over the funds in the retirement plan to an IRA managed by PMG. Thus, our investment adviser representatives have an economic incentive to recommend a rollover of funds from a retirement plan to an IRA which is a conflict of interest because our recommendation that you open an IRA account to be managed by our firm can be based on our economic incentive and not based exclusively on whether or not moving the IRA to our management program is in your overall best interest. We have taken steps to manage this conflict of interest. we have adopted an impartial conduct standard whereby our investment adviser representatives will (i) provide investment advice to a retirement plan participant regarding a rollover of funds from the retirement plan in accordance with the fiduciary status described below, (ii) not recommend investments which result in PMG receiving unreasonable compensation related to the rollover of funds from the retirement plan to an IRA, and (iii) fully disclose compensation received by PMG and our supervised persons and any material conflicts of interest related to recommending the rollover of funds from the retirement plan to an IRA and refrain from making any materially misleading statements regarding such rollover. PMG Wealth Management Page 12 Form ADV Part 2A, Rev. 04/2024 When providing advice to a retirement plan account or IRA, our investment advisor representatives will act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims, based on the investment objectives, risk, tolerance, financial circumstances, and a client’s needs, without regard to the financial or other interests of PMG or our affiliated personnel. Participation in Wrap Fee Programs PMG currently only offers services through traditional non-wrap fee asset management programs. Whenever a fee is charged to a client for services described in this brochure (whether wrap fee or non- wrap fee), we will receive all or a portion of the fee charged. Tailored Advisory Services to Individual Needs of Clients PMG’s advisory services, financial planning services, and consulting services are always provided based on your individual needs. This means, for example, that when we provide asset management services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. Our services are done with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. We will not enter into an investment adviser relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. Client Assets Managed by PMG As of December 31, 2023, PMG manages $138,935.766 of client assets, all on a discretionary basis.