A. Wolf Money Management, Inc. is a SEC registered boutique investment advisory firm primarily catering to the investment needs of individuals. Our company has been operating for twenty years. Our principal owners are Steven A. Wolf, and Paul B. Wolf. B. We give advice on — but do not necessarily recommend — all types of securities, such as mutual funds, stocks, bonds, and commodities. We employ both technical and fundamental securities analysis. Our technical analysis combines Dow Theory and other weekly/ monthly chart analysis to determine the primary trend (whether a rising “bull market” or declining “bear market”) of each asset class. Fundamental research sources include financial periodicals, research materials prepared by others, corporate rating services, annual reports and company press releases. Our investment strategies are focused on the long-term, but we do pay attention to volatility and endeavor to reduce risk through inclusion of alternative mutual funds and ETF’s. These strategies may include merger arbitrage, market neutral funds, convertible bond arbitrage, hard assets, long-short funds, and Master Limited Partnership funds. We feel these strategies complement our core traditional diversified stock and bond portfolios since the additional asset classes often have a lower correlation to stocks or bonds. We specialize in the use of mutual funds and exchange-traded mutual funds (ETFs), though our advice is not limited to these. We employ tactical asset allocation, which involves overweighting asset classes determined to be in rising trend (“bull market”) and underweighting asset classes determined to be in a declining trend (“bear market”), while remaining in a portfolio framework determined to be appropriate for the account owner. We also provide financial planning services. We will give you advice based on your financial concerns including but not limited to investments, insurance, retirement, education, and estate planning. The hours of financial counseling required will vary depending on whether the plan is comprehensive or more narrowly focused on a topic of particular interest to you. OPTIONAL ADVISORY SERVICES FOR EMPLOYER BASED NON-ERISA 403B PLANS AND INDIVIDUAL VARIABLE ANNUITIES. We manage several 403b accounts for individual participants. Since these are employer-based accounts, the employee must choose a vendor from their districts’ participating service providers. In some districts, we are able to use a Fidelity 403b plan and at other times Aspire Financial/MG Trust. When using these platforms, we can only use mutual funds that the plan allows. Since 403b plans only allow the use of mutual funds and/or annuities, we are not able to use ETFs, individual stocks, bonds, or options. Generally, we employ the same basic investment strategy as our normal advisory accounts except that we are limited to using plan allowed mutual funds. In rare instances, we function as investment advisor for clients’ variable annuities held through Fidelity’s Insurance arm and/or another insurance company. Even though we employ the same basic investment strategy as our normal advisory accounts, we are limited to using the sub- accounts available within that platform. In general, these contracts tend to offer fewer alternative investment strategy sub-accounts, so we rely more heavily on a traditional stock and bond sub- account asset allocation. OPTIONAL UMA PROGRAM. We offer discretionary investment management services in a managed account program through an Overlay Manager (the “UMA Program”). This UMA Program may consist of using model portfolio advisers, model portfolios or other investment options such as mutual funds and/or exchange-traded funds (“ETFs”) to represent different investment strategies for managing your account. Each of these investment strategies is designed to meet a specific goal. Prior to investing in the UMA Program, you will execute a discretionary investment management agreement with us. Depending on the management services the client selects, the client will grant us limited discretionary

authority to manage the client account through selection of an overlay manager (“Overlay Manager”), third party strategist (“Strategist”) and/or third-party managers (“Managers”; collectively, “Third-Party Service Providers”). In addition, the client will authorize the custodian to follow our instructions as well as instructions given by Overlay Manager to effect transactions, deliver securities, deduct fees and take other actions with respect to the client account. The client will not have a direct contractual relationship with the Overlay Manager or any other Third-Party Service Provider. The timing of trades in the client account will primarily depend upon the model or changes in the model and, generally, will not take into consideration how long a client may have held the position indicated by the model. We will retain the right to replace any Strategist or Manager on a discretionary basis. Depending on the service a client has selected, we will separately provide the client with the firm brochure (Part 2 of Form ADV) for the applicable Third-Party Service Provider(s) which includes information about their services, model portfolios, and investment strategies at or before the execution of our discretionary investment management agreement. Optional Tax Overlay Manager Services Tax overlay management services are available as an option for accounts utilizing the UMA Program through the Overlay Manager. If you elect tax overlay management services, the portion of your fee paid as the management fee on your account will increase. The Overlay Manager will develop a tax strategy for your account based on the information and instructions provided by us on your behalf. Tax overlay management services in an investment account offer benefits and limitations, as described below. The tax strategy developed for you by the Overlay Manager is provided solely in connection with your account and the Overlay Manager does not provide general tax planning services. If you do elect the tax overlay management services option, please consider the following:
• The Tax Overlay Manager will implement tax overlay management services based on the information and instructions provided for your account(s).
• The Tax Overlay Manager does not provide general tax advice, tax return preparation or tax planning services.
• The Tax Overlay Manager will seek to reduce the overall tax burden of the account while seeking to maintain the risk and return characteristics of the model portfolios received from Strategists and/or Managers.
• When providing tax overlay management services to the account, short-term gains are avoided where possible, but long-term gains are not limited unless you have requested a mandate to limit realized long-term gains. The Overlay Manager will provide tax overlay management services with the assumption that the Overlay Manager will continue to provide services to the account for an entire tax year. The termination or removal of the overlay management services before the completion of an entire tax year may result in adverse tax consequences, including without limitation realization of short- term capital gains. Regardless of your account size or any other factors, we strongly recommend that you continuously consult with a tax professional prior to and throughout the investing of your assets. The Tax Overlay Management Services are offered at an additional cost to you. C. We tailor our advisory services to the individual needs of our clients. For instance, we have different model portfolios based on the risk level the client is willing to accept, time horizon, objectives, and the type of account-, i.e., Qualified retirement account vs. non-qualified account. We are willing to exclude certain securities or types of securities based on a client- imposed restriction. D. We do not participate in wrap fee programs. Not Applicable E. As of March 3, 2023, we manage client assets on a discretionary basis of $50,294,417. We currently don’t manage any accounts in a non-discretionary manner.