Firm Description and History Williams Wealth Management, LLC (“WWM” or the “Advisor”) is New Hampshire limited liability company, formed in 2012, with its principal office in Nashua, New Hampshire. It is registered as an investment adviser with the Securities and Exchange Commission (“SEC”). Jeffrey N. Williams is the firm’s Managing Member with a majority ownership interest and the Chief Compliance Officer and Dyllin L. Moulton is a Managing Member with a minority ownership interest. Additional information about our team may be found in the Advisor’s Form ADV2B Brochure Supplement. Financial Planning: We provide Financial Planning as a core service. Financial planning is a comprehensive evaluation of a client's income, expenses, assets and liabilities. The data collected provides the necessary information to create a detailed cash flow analysis and financial statements. During the Financial Planning process all the information provided by the client will be examined to evaluate how it impacts the entire financial life of the client. Clients purchasing the Financial Planning service receive a written report of our findings and recommendations. In general, the financial plan addresses the following areas: Personal: We collect family data that includes Income, expenses, assets, liabilities, liquid assets and estate planning information. Through discussions with our clients we determine their financial objectives. Tax & Cash Flow: We review the data collected and develop a cash flow statement. The cash flow report integrates income, expenses, past spending habits, savings, liabilities, insurance cost, taxes paid and net cash flow. We set conservative projections for inflation and investment performance to provide a realistic outlook. We also note that our hypothetical projections are not guarantee of future economic or market conditions. Investments: Our inquiry typically includes a discussion of the client’s current holdings and why they were selected, and we discuss whether they are appropriate in view of the client’s objectives, time horizon and risk tolerance. We also determine the underlying cost of each investment of their current investments. We may recommend an investment allocation based on our discussion of the client’s resources and objectives. We develop comprehensive investment strategy consistent with the client’s objectives. Insurance: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile. Retirement: We review the client’s retirement savings programs to make sure that they are taking maximum advantage of any employee benefit plans s and other tax-deferred or tax-exempt accounts (e.g., 401(k) plans, regular and Roth IRAs). We may also review the current investments in the accounts to determine if they align with the client’s risk tolerance and objectives. Clients who use our portfolio management services will be able to include such retirement accounts as part of the overall investment allocation in their managed account Estate: We review the client's cash needs at death and income needs of a surviving spouse and dependents. We work with the client’s attorneys, accountants or other strategic partners to develop an estate plan. We also provide general advice on topics that may include tax and budgetary planning and business planning. Typically the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Financial planning recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company. All recommendations are of a generic nature. The implementation of the financial plan recommendations is entirely at the client's discretion. Individual Portfolio Management: Our Firm provides continuous management of clients’ investment portfolios based on the individual needs of the client. Through personal discussions with the client and a review of the client’s financial condition, risk tolerance and investment goals, we create an individualized Investment Policy Statement and manage the portfolio based on the stated strategy, investment policies and parameters. We manage advisory accounts on a discretionary or a non-discretionary basis. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Once the client's portfolio has been established, we review the portfolio with the client either quarterly, semi- annually, or annually, based on the client’s preference. We monitor the portfolio regularly and rebalance the portfolio and as or warranted by changes in the client’s investment objectives, market conditions and tax considerations. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance

company and will generally include advice regarding the following types of securities:
• Exchange-listed securities
• Securities traded over-the-counter
• Mutual funds and Exchange Traded Funds (“ETFs”)
• Municipal securities
• Fixed Income securities
• Variable annuities
• Options contracts on securities Not all types of investments will be suitable for all accounts. Generally, accounts are managed based on one or more of the following objectives (as well as tax considerations): capital preservation, growth & income, growth, and dividend stock. We offer the following strategies to our Portfolio Management Clients: Capital Preservation: We invest 70-80% of the assets into fixed income, cash and cash alternatives and 20- 30% into equities. We use no load mutual funds, ETFs and individual stocks. This model offers principal preservation and income with potential to outpace inflation with limited volatility. Growth & Income: The Growth & Income portfolio provides a moderate amount of risk. Investor should have a long-term time horizon minimum of 3-5 years. The equity portion will range from 50-70%. The fixed income, cash and cash alternative portion will range from 30-50%. This model offers growth and income with potential to outpace inflation. The model offers an asset allocation of stocks, ETFs, mutual funds, bonds and cash. It is well diversified across capitalizations, styles, domestic and international equities. The bonds are diversified across different credit qualities, durations, styles, domestic and international. The model will add to equity positions during times of market acceleration and reduce market risk when the market is considered extended or in a bear market territory. Growth: The growth model is invested 70-100% in equities in an allocation of stocks, ETFs, mutual funds, bonds, alternatives and cash. The equity holdings are well diversified across capitalizations, styles, domestic and international. The remainder with be invested in a conservative mix of, bonds, and cash and cash alternatives. The fixed income portion will reduce risk during market volatility providing opportunity to reinvest into equities. This is an aggressive model and is designed for investors with a time horizon of 5-10 years who are comfortable with the possibility of loss of their investment. Dividend Stock: The dividend stock model is designed for investors who are comfortable with market volatility and invests for the long-term. A minimum of 3-5 years is required. The model’s target is to generate a significant amount of income ranging from of 2.0-3.5% of the portfolio's assets. The stock, ETF and mutual fund portfolio will be well diversified across capitalization and sectors. Designed for investors to supplement their income. To ensure that our initial determination of the portfolio strategy for the client remains appropriate over time, we will:
• At least annually, contact each client to determine whether there have been any changes in the client's financial situation or investment objectives, and whether the client wishes to impose investment restrictions or modify existing restrictions;
• We will remind the client that we are available for consultation; and
• We will update client suitability information in each client's file when we learn of new relevant information. General Consulting Services: WWM may also provide general investing, financial and wealth management consulting services on an ad-hoc basis. These services may be made available to individuals including high- net worth individuals and small businesses. Clients should be aware of investment risks and other risks associated with their investments. Additional information on investment risks is provided under Item 8, subsection Market, Security and Regulatory Risks below. Tailored Advisory Services Advisory services recommendations are tailored to the needs of the individual client. Clients may impose guidelines or reasonable restrictions on certain types of securities or investments; such restrictions must be provided in writing. Use of Sub-Advisors In rare cases, when a client wishes to pursue a strategy with unusual guidelines or strategies, WWM may recommend that a portion of their portfolio be managed by a specialized manager, either under a separate advisory contract or under a sub-advisory arrangement. Such an arrangement will involve additional advisory fees charged by the specialized manager. Wrap Fee Programs Wrap fee programs generally are arrangements where clients are charged a single fee for both advisory services and brokerage commissions. WWM does not participate in wrap fee programs. Assets Under Management As of February 24, 2023, Williams Wealth Management, LLC had $104,086,215 in discretionary assets under management and $2,500,000 in non-discretionary assets under management.