Description of Services and Fees. PWM is a registered investment adviser primarily based in Brentwood, Tennessee. PWM is organized as a limited liability company under the laws of the State of Tennessee. PWM has been providing investment advisory services since 2004. PWM’s principal owner is the PWMADSR Trust. Currently, PWM offers Portfolio Management and Investment Advisory Services. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how PWM tailors our advisory services to the client’s individual needs. As used in this brochure, the words "PWM", "our", “we” and "us" refer to Provident Wealth Management, LLC, and the words "you", "your" and "client" refer to the client as either a client or prospective client of our firm. Portfolio Management Services. PWM offers portfolio management services, which consist of ongoing financial advice and discretionary and non-discretionary investment management. Our investment advice is tailored to meet our client’s needs and investment objectives. Investment Advisory Services. PWM offers investment advisory services which typically involves addressing clients' management of their financial resources based upon an analysis of their individual needs. PWM will meet with the client to gather information about the client’s financial circumstances and objectives. PWM will typically select an investment portfolio based on the client’s financial needs, investment goals, tolerance for risk, and investment objectives. The client’s assets will typically be custodied at Charles Schwab & Co., Inc. (“Schwab”). Individual securities purchased within the portfolios will be selected by PWM. The client’s portfolio performance will be periodically monitored and will be rebalanced as required by changes in market conditions and/or the client’s financial circumstances or goals. The client must promptly notify PWM if the client’s financial situation, goals, objectives, or needs change. If the client participates in our portfolio management and investment advisory services, PWM requires the client to grant our firm and Schwab discretionary authority to manage the client’s account. Discretionary authorization will allow PWM, and consequently Schwab, to determine the specific securities, and the amount of securities, to be purchased or sold for the client’s account without the client’s approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement and/or trading authorization forms the client signs with our firm, and/or Schwab. The client may limit the discretionary authority (for example, limiting the types of securities that can be purchased or sold for the client’s account) by providing PWM and Schwab with restrictions and guidelines in writing. Limitations of Investment Advisory Services and Non-Investment Consulting/ Implementation Services. In addition to its portfolio management services, and to the extent requested by the client, PWM will generally provide investment advisory services and related consulting services regarding matters such as tax and estate planning, insurance, etc. Please Also Note: PWM does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, PWM does not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by a client, PWM may recommend the services of other professionals for non-investment implementation purposes (i.e., attorneys, accountants, insurance agents, etc.) including PWM’s representatives in their separate individual capacities as a licensed attorney and/or insurance agent per the terms and conditions of a separate written agreement and additional compensation-see Item 10 below. The client is under no obligation to engage the services of any such recommended professional. Please Note-Conflict of Interest: The recommendation that a client engage a representative of PWM (or an entity with which such representative is affiliated) for legal or insurance services presents a conflict of interest, as the receipt of legal fees and/or insurance commissions may provide an incentive to recommend such services and/or products based upon fees and/or commissions to be received, rather than on a particular client’s need. The fees charged and commissions derived from such legal services and sale of insurance products respectively, are separate from, and in addition to, PWM’s investment advisory fee. No portion of any such fees or commissions are shared with PWM. No client is under any obligation to engage either of PWM’s representatives for legal or insurance services. Clients are free to engage unaffiliated attorneys or insurance agents of their choosing. ANY QUESTIONS: PWM’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above conflicts of interest. Please Note: Retirement Rollovers-Potential for Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If PWM recommends that a client roll over their retirement plan assets into an account to be managed by PWM, such a recommendation creates a conflict of interest if PWM will earn new (or increase its current)

compensation as a result of the rollover. If PWM provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), PWM is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by PWM, whether it is from an employer’s plan or an existing IRA. PWM’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Custodian Charges-Additional Fees. As discussed below at Item 12, when requested to recommend a broker-dealer/custodian for client accounts, PWM generally recommends that Schwab serve as the broker-dealer/custodian for client investment management assets (Certain clients continue to maintain accounts at SEI). Broker-dealers such as Schwab charge brokerage commissions, custody fees, transaction fees, and/or other types of fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians, including Schwab, do not currently charge fees on individual equity transactions, others do). These fees/charges are in addition to PWM’s investment advisory fee at Item 5 below. PWM does not receive any portion of these fees/charges. ANY QUESTIONS: PWM’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. Portfolio Activity. PWM has a fiduciary duty to provide services consistent with the client’s best interest. PWM will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when PWM determines that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described in Item 5 below during periods of account inactivity. Please Note-Use of Mutual and Exchange Traded Funds. PWM utilizes mutual funds and exchange traded funds for its client portfolios. In addition to PWM’s investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Please Note: Cash Positions. PWM continues to treat cash as an asset class. As such, unless determined to the contrary by PWM, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating PWM’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), PWM may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, PWM’s advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: PWM’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above fee billing practice. Client Obligations. In performing our services, PWM shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, it remains each client’s responsibility to promptly notify PWM if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by PWM) will be profitable or equal any specific performance level(s). Wrap Fee Program(s). PWM is not a portfolio manager to, nor sponsor of, any wrap fee programs. Types of Investments. PWM primarily offers advice on equity securities, warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, mutual funds, and US government securities. Additionally, PWM may advise the client on any type of investment that PWM deems appropriate based on the client’s stated goals and objectives. PWM may also provide advice on any type of investment held in the client’s portfolio at the inception of our advisory relationship. The client may request that PWM refrain from investing in particular securities or certain types of securities. The client must provide these restrictions to our firm in writing. Assets Under Management. As of December 31, 2022, PWM provided continuous management services for $506,343,267 in client assets on a discretionary basis, and $0 in client assets on a non-discretionary basis.