Description of Services and Fees Raab & Moskowitz Asset Management, LLC d/b/a Chatham Wealth Management is an investment adviser primarily engaged in the business of furnishing investment supervisory services to separately- managed accounts for individuals, trusts and corporations, and is in the business of being the investment advisor to pension and profit sharing plans. The fee for such services is based on a percentage of the market value of assets under management. The LLC was formed in 2000 and is located in Chatham, New Jersey. The firm is primarily owned by Daniel Moskowitz.
The following paragraphs describe our services. As used in this brochure, the words "we", "our" and "us" refer to Chatham Wealth Management and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm.
Our investment advice is tailored to meet our clients' needs and investment objectives. If you retain our firm for portfolio management services, we will meet with you to determine your investment objectives, risk tolerance, and other relevant information (the "suitability information") at the beginning of our advisory relationship. We will use the suitability information we gather to develop a strategy that enables our firm to give you continuous and focused investment advice and/or to make investments on your behalf. Once we construct an investment portfolio for you, we will monitor your portfolio's performance on an ongoing basis, and will rebalance the portfolio as required by changes in market conditions and in your financial circumstances.
We require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm, a limited power of attorney, or trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing.
In addition to our investment supervisory services, we may, at your specific request, provide financial advice unrelated to securities. Our advice may include, but is not limited to, the following: long-range income and expense projections, analysis

of real estate investments, and/or advice on private business ventures. Our advice is based on our financial knowledge and business judgment. The advice we provide unrelated to securities does not constitute a significant portion of our business and is undertaken only as an adjunct to our central role as an investment adviser.
Types of Investments We typically use the following types of investments when providing investment supervisory services to you: Common Stock, Preferred Stock, REIT's, Master Limited Partnerships, Commodities, Options. Corporate, Municipal, Agency, and Government Debt Money Markets, CD's Mutual Funds and ETF's We tailor each separately managed account to the client's individual needs and thus may advise our clients on any type investment we deem appropriate based on the stated goals and objectives.
4 Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets Under Management As of 02/01/2023, we manage $411,442,355 in client assets on a discretionary basis.