Wilhelm Financial Services, PLLC (WFS) is a wealth management company that provides investment advisory services as part of the wealth management process. WFS has been in business since November 22, 2000, and is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). The principal owner of WFS is Bret Wilhelm. (see information about Bret Wilhelm below). WFS provides three main services to its clients: portfolio management, financial planning, and asset tracking services. WFS’s investment advisory services are limited to nondiscretionary asset management, creating asset allocations, helping clients evaluate and choose mutual funds and other publicly traded securities to implement their asset allocations, assisting them in making reasonable rate of return assumptions to use in the financial planning process, and monitoring the performance of their asset allocations. WFS tailors its advice to each client’s individual needs. The client may impose restrictions on investing in certain securities or types of securities. WFS is willing to accept a limited power to trade securities with prior consent. This allows WFS to place trades for the client after receiving written or verbal instruction. The client has the option of not giving WFS the limited power to trade with prior consent. Under this circumstance, WFS will have the client verify the trade verbally during a conference call with the custodian. Client assets are invested primarily in mutual funds. Occasionally, WFS will directly assist its clients in analyzing, purchasing or selling individual securities such as stocks and bonds. The client is responsible for all final investment decisions. WFS is solely responsible for providing its clients with advice which it feels is in their best interest. All clients for whom WFS manages money directly will receive quarterly reports related to their directly managed accounts. For clients that pay an annual investment management fee of at least $23,500, WFS offers to track the performance of all of their financial assets with a portfolio accounting system and provide them with quarterly net worth reports, at no additional charge. Where WFS provides financial planning services to its clients, the plans are generally comprehensive in nature but may be limited to specific issues. The areas covered during this process can include but are not limited to the following: 1) cash flow planning, 2) tax planning, 3) retirement planning, 4) college planning, 5) estate planning, and 6) insurance benefit planning. WFS believes that it is essential that its clients understand their financial situations to the highest degree possible. To this end WFS is committed to educating its clients by explaining how different choices can affect their financial lives. WFS believes that a comprehensive financial plan is the best way to make financial decisions because it provides a context within which a client can see how a decision affects the other areas of the client’s financial life. WFS does not participate in any wrap fee programs. Assets Under Management WFS managed client assets on a non-discretionary basis of $141,741,140 as of March 30, 2024. WFS does not have any discretionary assets under management. Bret Wilhelm Year of Birth: 1970 Formal Education:
• BA in Finance and Entrepreneurship from Seattle Pacific University

• Master’s in taxation from Golden Gate University Business Background:
• November 2000 – Present; Wilhelm Financial Services, PLLC; Manager/Owner Professional Designation(s): CERTIFIED FINANCIAL PLANNERTM (CFP®) Bret Wilhelm is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:
• Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials.
• Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
• Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
• Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
• Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to the CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.
• Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.