General Information Access Wealth Management, Inc. (“AWM”) registered as an investment adviser in 2015, and provides financial planning, portfolio management, and other ancillary services to our clients. Anthony (“Tony”) L. Christensen is the sole principal owner of AWM. Please see Brochure Supplements, Exhibit A, for more information on Mr. Christensen and other individuals who formulate investment advice and have direct contact with clients or have discretionary authority over client accounts. As of December 31, 2023, AWM has $259,611,685 in discretionary assets under management and $32,274,749 in non-discretionary assets under management]. In addition, AWM advises clients on non-securities assets and liabilities, such as personal real estate, rental property, financing of outside investments and so forth. SERVICES PROVIDED We offer a wide range of services, primarily to high net worth individuals. The engagement is tailored to your specific needs, but our services are generally encompassed in the two tiers of service described below. Regardless of the service level selected, at the outset of each client relationship, we spend time with you, asking questions, discussing your investment experience and financial circumstances, and reviewing options for you. Based on our review, we generally develop:
• a financial outline for you based on your financial circumstances and goals, and your risk tolerance level (the “Financial Profile” or “Profile” or “Profile); and
• your investment objective and guidelines (the “Investment Plan” or “Plan” or “Plan”). The Financial Profile is a reflection of your current financial picture and a look to your future goals. The Investment Plan outlines the types of investments we will make or recommend on your behalf to meet those goals. The Profile and the Plan are discussed regularly with you, but are not necessarily written documents. Service Levels AWM Portfolio Management Program
• Initial and ongoing asset allocation of Portfolio assets
• Management of Portfolio assets (“Portfolio Management”)
• Ad hoc advice
• Client Communications, including
• Unlimited telephone and email access
• Quarterly investment performance statements AWM Private Wealth Management Program Includes all of the Services set forth above under AWM Portfolio Management Program, plus:
• Financial Planning, including an initial plan and ongoing planning updates as needed
• Life, Health and Long Term Care insurance and Variable Annuity consulting
• Private banking assistance (assist Client with sourcing mortgages, letters of credit, etc.)
• Additional Client Communications, including
• Quarterly in-person meetings, as requested
• Regular phone meetings, as requested
• Quarterly market commentary To implement your Investment Plan, we will manage your investment portfolio on a discretionary or a non-discretionary basis. As a discretionary investment adviser, we will have the authority to supervise and direct your portfolio without prior consultation with you. Under a non-discretionary arrangement, you must be contacted prior to the execution of any trade in your account(s) under management. This can result in a delay in executing recommended trades, which could adversely affect the performance of your portfolio. This delay also normally means the affected account(s) will not be able to participate in block trades, a practice designed to enhance the execution quality, timing and/or cost for all accounts included in the block. In a non-discretionary arrangement, you retain the responsibility for the final decision on all actions taken with respect to your portfolio. In addition to the two Programs described above, we offer non-discretionary consulting advice regarding private fund investments as well as individual 401(k) accounts. The following describes these services: Private Fund Investments 401(k) Accounts
• Monitor the performance of the fund(s)
• Respond to your inquiries regarding the fund(s)
• Make recommendations to you regarding the disposition of the fund(s)
• Subject to being provided with the necessary information by you or the applicable fund at your direction, monitor key dates and obligation with respect to the fund(s) (i.e., dates of liquidity opportunities, additional capital calls, etc.)
• Monitor and review communications with respect to the fund(s)
• Assist you in determining suitable investment selections available in the Account
• Upon your request, reviewing Account and make recommendation as we deem appropriate regarding the purchase, sale, investment exchange, conversion and trading of the Accounts
• Monitor the performance of the Account Notwithstanding the foregoing, you may impose certain written restrictions on us in the management of your investment portfolios, such as prohibiting the inclusion of certain types of investments in an investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of the relationship. You should note, however, that restrictions imposed by you may adversely affect the composition and performance of your investment portfolio. You should also note that your investment portfolio is treated individually by giving consideration to each purchase or sale for your account. For these and other reasons, performance of your investment portfolio within the same investment objectives, goals and/or risk tolerance may differ and you should not expect that the composition or performance of your investment portfolio would necessarily be consistent with similar clients of ours. Separate Account Managers When appropriate

and in accordance with your Investment Plan, we may recommend the use of one or more Separate Account Managers, each a “Manager”. Having access to various Managers offers a wide variety of manager styles, and offers you the opportunity to utilize more than one Manager if necessary to meet your needs and investment objective. We will select or recommend the Manager(s) we deem most appropriate for you. Factors that we consider in recommending/selecting Managers generally include your stated investment objective(s), management style, performance, risk level, reputation, financial strength, reporting, pricing, and research. The Manager(s) will generally be granted discretionary trading authority to provide investment supervisory services for your portfolio. Under certain circumstances, we retain the authority to terminate the Manager’s relationship or to add new Managers without your specific consent. In other cases, you will ultimately select one or more Managers recommended by us. Fees paid to such Manager(s) are separate from and in addition to the fee assessed by us. In any case, with respect to assets managed by a Manager, our role will be to monitor your overall financial situation, to monitor the investment approach and performance of the Manager(s), and to assist you in understanding the investments of the portfolio. Hedged Equity Strategy When appropriate for your circumstances, we may recommend the “Hedged Equity Strategy,” a call option overlay strategy which seeks to provide you a tax efficient hedge to equity exposure. This strategy seeks to generate returns via “harvesting” the time decay of option premiums – by actively managing a portfolio of covered call options on liquid equity holdings. You will pay a separate and additional fee to us for assets invested in the Hedged Equity Strategy. Please see Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss for more information. Retirement Plan Advisory Services Establishing a sound fiduciary governance process is vital to good decision-making and to ensuring that prudent procedural steps are followed in making investment decisions. We will provide Retirement Plan consulting services to Plans and Plan Fiduciaries as described below. The particular services provided will be detailed in the consulting agreement. The appropriate Plan Fiduciary(ies) designated in the Plan documents (e.g., the Plan sponsor or named fiduciary) will (i) make the decision to retain our firm; (ii) agree to the scope of the services that we will provide; and (iii) make the ultimate decision as to accepting any of the recommendations that we may provide. The Plan Fiduciaries are free to seek independent advice about the appropriateness of any recommended services for the Plan. Retirement Plan consulting services may be offered individually or as part of a comprehensive suite of services. The Employee Retirement Income Security Act of 1974 (“ERISA”) sets forth rules under which Plan Fiduciaries may retain investment advisers for various types of services with respect to Plan assets. For certain services, we will be considered a fiduciary under ERISA. For example, we will act as an ERISA § 3(21) fiduciary when providing non-discretionary investment advice to the Plan Fiduciaries by recommending a suite of investments as choices among which Plan Participants may select. Also, to the extent that the Plan Fiduciaries retain us to act as an investment manager within the meaning of ERISA § 3(38), we will provide discretionary investment management services to the Plan. 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 of 1974 (“ERISA”) 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 interests ahead of yours. Additional disclosure may be found elsewhere in this Brochure or in the written agreement between you and AWM. Fiduciary Consulting Services
• Investment Selection Services We will provide Plan Fiduciaries with recommendations of investment options consistent with ERISA section 404(c). Plan Fiduciaries retain responsibility for the final determination of investment options and for compliance with ERISA section 404(c).
• Non-Discretionary Investment Advice We provide Plan Fiduciaries and Plan Participants general, non-discretionary investment advice regarding asset classes and investments.
• Investment Monitoring We will assist in monitoring the plan’s investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the investment policy statement and we will make recommendations to maintain or remove and replace investment options. The details of this aspect of service will be enumerated in the engagement agreement between the parties. Private Fund Services AWM currently serves as the manager of a pooled investment vehicle, Access Real Estate Fund I, LLC (the "Fund"), which relies on an exemption from registration under the Investment Company Act of 1940, as amended, and whose securities are not registered under the Securities Act of 1933, as amended. In its capacity as the manager of the Fund, AWM is responsible for carrying out the business of the Fund, including negotiating and purchasing the Fund’s investments, liquidating the investments, overseeing the Fund’s operations, and handling certain administrative and management responsibilities for the Fund.