Background Information Castle Wealth Management provides customized wealth management and financial planning services to high-net- worth families, individuals, businesses, trusts, and charitable entities. Our firm was incorporated on October 9, 1997, as P.F.S. Advisors, L.C. D/B/A Castle Wealth Management, being the successor firm of Worley and Worley, a Florida Registered Investment Advisory firm. At the end of 2018, our legal name was changed from P.F.S. Advisors, L.C. to Castle Wealth Management, LLC (herein after Castle). Castle is primarily owned and overseen by its Managing Member and Founder, Christina Worley CPA/PFS, CFP®, CFA. Gary Sellari and Melissa Gannon are minority owners. For the complete ownership details please see Form ADV Part 1 Schedule A Direct Owners and Executive Officers at adviserinfo.sec.gov. Assets Under Management Our assets under management on a discretionary basis as of 12/31/2023 were $330,074,629 and $19,997,561 on a non-discretionary basis. Our transactional flexibility provides product diversity, as well as offering third-party Separate Account Managers (SAMs) that we monitor before approving. Here’s what you can expect from us: How We Seek to Earn Your Trust Our continued success is a direct result of the relationships we build with our clients. We are devoted to helping our clients achieve financial success. We reinforce our commitment by providing personalized service, coupled with current financial knowledge to address your individual needs and circumstances. Furthermore, it is our policy to respond to all client correspondence in a prompt manner. Our team places a premium on client interaction. Our clients rely on us for all their investment needs, large or small, business, or personal. Our Process Castle provides Investment Supervisory Services, defined as giving continuous advice to a client or making investments on behalf of individual needs. Through careful discussion of goals and objectives based on client’s needs, Castle develops a financial plan unique to each individual who wishes one. Once a specialized Investment Policy Statement (IPS) is established, a portfolio is then generated to reflect the mutually agreed upon asset allocation contained in the IPS. Each account managed by Castle is on a discretionary and/or non-discretionary basis as outlined in each household’s IPS. Account supervision and monitoring is guided by the stated objectives contained in the IPS. Portfolios managed by Castle may consist of one or all the following: individual equities, bonds, variable annuities, mutual funds, exchange-traded funds (ETFs), CDs, alternative investments, REITs, and accounts managed by third- party Separate Account Managers with specific or specialized strategies. Variable annuities and mutual funds will be selected based on any or all of the following: the fund’s performance history, the industry sector, the track record of the fund manager, investment objectives and the overall management philosophy and fee structure. Portfolio weighting between funds and market sectors will be determined by each client’s IPS. Depending upon the risk tolerance and needs of the client, Castle may recommend the use of options (i.e., covered calls or protective puts). Clients will have the opportunity to place reasonable investment restrictions at any time based on risk tolerance. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.). Individual ownership of assets always remains with the client, with brokerage accounts normally custodied at Schwab, and iShares (529-plans). We currently have a retirement plan custodied American Century, at the client’s request. We will use Equity Institutional, Millennium Trust and Vantage Retirement Plans as custodians for non-standard IRA assets. Castle seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of Castle’s economic, investment, or other financial interests. We shall attempt to avoid, among other things, investment trading practices that systematically advantage or disadvantage certain client portfolios. We shall seek fair and equitable allocation of investment opportunities/transactions among our clients to avoid favoring one over another over time. In the process below, each client is led on a path towards helping them seek long-term financial success: The personalized attention each client receives combined with a strong client-advisor relationship is what helps build the foundation to our success. Our goal with each client is to meet their long-term financial objectives through a multi-disciplinary approach. With principles of safety and soundness at the heart of every client relationship, Castle is able to continue leading its clients to a path of long-term financial

success. What’s Right for You? Once the financial review is complete and a financial plan agreed upon, we will work diligently to design an individualized asset allocation. Our planning considers all client holdings, even those we may not manage directly. Our transactional flexibility provides product diversity, as well as offering Third-Party Separate Account Managers (SAMs) that we monitor before approving. Here’s what you can expect from us:
• Financial Planning, for as many specific goals as the client has, i.e., retirement, education, etc.
• Disciplined Portfolio Management
• Multigenerational Wealth Transfers
• Retirement & Estate Planning
• Insurance Reviews
• Asset Protection Planning
• Education Planning Your Personalized Plan For each client, Castle will produce a written individual IPS reflecting an agreed-upon asset allocation. Once the agreement is signed, we start investing on your behalf as appropriate to seek to meet your objectives. We meet with you to provide a forum to discuss life changes that may influence your financial plan, and to determine if any financial changes or adjustments are necessary. We will also contact you to discuss the impact of current economic conditions on your portfolio. Ongoing portfolio reviews are conducted by our Account Review Committee (ARC). Adjustments may be made quarterly or more often to ensure adherence to your asset allocation. We do not charge any additional fees for providing a financial plan to clients with more than $500,000 in assets under management that are investment advisory clients. Our Mission We strive to help you achieve success by providing personalized attention and a commitment to service that addresses not only today’s needs but tomorrow’s plans. Our dedication to helping you achieve your financial goals means we place a premium on timeliness, thoroughness, and accuracy. Our Goal We provide personalized service, coupled with current financial knowledge to address your individual needs and circumstances. We guide you on a successful path toward meeting your financial goals by utilizing our well documented plans, which are designed to focus on the big picture, not short-term market variations. Why Clients Choose Us:
• Objective Advice
• Investment Diversity
• Transparent Reporting (performance, fees)
• Tax Efficient Portfolio Management
• Multi-disciplined Team Asset Management We shall comply with the CFA® Institute’s Asset Manager Code. The Asset Manager Code (the Code) outlines the ethical and professional responsibilities of firms that manage assets on behalf of clients. The principles and provisions address six broad categories: (1) loyalty to clients, (2) investment process and actions, (3) trading, (4) risk management, compliance, and support, (5) performance reporting and valuation, and (6) disclosures. Financial Planning We have a potential inherent conflict of interest whenever we provide Financial Planning services to a client that has also retained our Investment Advisory services. It could be in our best interest not to recommend paying down debt that would directly reduce the Assets Under Management that we manage and charge a percentage fee for. We mitigate this conflict by providing an overall plan suitable and in the best interest of the client. Whenever we provide Financial Planning Services we shall adhere to the Code of Ethics and Standards of Conduct issued by the CFP Board. CFP Board’s Code of Ethics and Standards of Conduct reflects the commitment that all CFP® professionals make to high standards of competency and ethics. CFP Board’s Code and Standards benefits and protects the public, provides standards for delivering financial planning, and advances financial planning as a distinct and valuable profession. Compliance with the Code and Standards is a requirement of CFP® certification that is critical to the integrity of the CFP® marks. Violations of the Code and Standards may subject a CFP® professional to discipline. The CFP® professionals of Castle will also review the complete CFP Board Code of Ethics and Standards of Conduct and the Practice Standards to ensure proper implementation within the firm. Wrap Fee Program Castle offers portfolio management services to Wrap fee programs. We manage the wrap fee program portfolios the same we would any non-wrap fee portfolio. Clients participating in a wrap fee arrangement pay a single fee for advisory, brokerage and custodial services. Clients’ portfolio transactions will be executed without commissions in a wrap fee arrangement. We receive a portion of the wrap-fee for our investment advisory services. Please refer to Appendix 1 of Form ADV: Wrap Fee Program Brochure for further details.