Item 5 – Additional Compensation ............................................................................. 38 Item 6 – Supervision .................................................................................................. 38 Brochure Supplement (Part 2B of Form ADV) .......................................................... 39 Item 2 – Educational Background and Business Experience ..................................... 40 Item 3 – Disciplinary Information ................................................................................ 40 Item 5 – Additional Compensation ............................................................................. 40 Item 6 – Supervision .................................................................................................. 41 About MFA Wealth Services MFA Wealth Services, Inc. is a corporation formed in 2002 in the State of California and does business under the name of MFA Wealth Services. Although the corporation was initiated in 2002, the firm had not done business as a registered investment adviser prior to 2013. The major decisions of a strategic and administrative nature for the firm are undertaken by Christopher D. Mattern and Michael E. Garner. Services Offered MFA Wealth Services is a financial advisory firm dedicated to providing personalized confidential financial planning and investment management to its clients. Christopher D. Mattern and Michael E. Garner along with other MFA Wealth Services Advisors are also registered representatives of United Planners Financial Services of America, a FINRA Member Firm, Member FINRA, SIPC (United Planners). MFA Wealth Services, Inc. and United Planners are independent companies. Investment Management (Portfolio Management) Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. MFA Wealth Services works with clients to define their financial objectives and to develop strategies for reaching those objectives, some of which may include: identifying financial problems, cash flow and budget management, real estate planning, investment management, retirement planning, tax planning, risk analysis and insurance planning, employee benefit analysis, education funding and charitable goals. We manage these advisory accounts on both a discretionary and a non-discretionary basis. We are currently moving our investment management from non-discretionary management to discretionary management. During the transition, we will be using both discretionary and non-discretionary management. Under discretionary management, we will make specific investment decisions, including whether or not to buy, sell, hold or liquidate assets under our management, without obtaining the client’s specific authorization. Our discretionary management will be consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. Under non-discretionary management, we will make specific investment recommendations. We will execute investment action only after the client gives us specific authorization. Our investment recommendations will be consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. MFA Wealth Services will recommend implementation of the client's strategy using a variety of asset allocation programs and other appropriate investments. MFA Wealth Services will complete the necessary documentation and communicate the investment allocation. In addition, MFA Wealth Services will monitor results with periodic reviews and rebalancing. Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. Financial Planning Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a written report. We also provide general non-securities advice on topics that may include tax and budgetary planning, estate planning and business planning. Typically the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. Selection And Monitoring Of Third-Party Money Managers We also offer advisory management services to our clients through our Selection and Monitoring of Third-Party Money Managers. Our firm provides the client with an asset allocation strategy developed through personal discussions in which goals and objectives based on the client's particular circumstances are established. This asset allocation strategy is drafted into the client's investment guidelines. Based on the client's individual circumstances

and needs, we will then perform management searches of various unaffiliated registered investment advisers to identify which registered investment adviser's portfolio management style is appropriate for that client. Factors considered in making this determination include account size, risk tolerance, the opinion of each client and the investment philosophy of the selected registered investment adviser. Clients should refer to the selected registered investment adviser's Firm Brochure or other disclosure document for a full description of the services offered. We are available to meet with clients on a regular basis, or as determined by the client, to review the account. Once we determine the most suitable investment adviser(s) for the client, we provide the selected adviser(s) with the client's investment guidelines. The adviser(s) then creates and manages the client's portfolio based on the client's individual needs as exhibited in the investment guidelines. Clients are responsible to pay fees associated with Third-Party Money Managers. We monitor the performance of the selected registered investment adviser(s). If we determine that a particular selected registered investment adviser(s) is not providing sufficient management services to the client, or is not managing the client's portfolio in a manner consistent with the client's investment guidelines; for non-discretionary clients we may suggest that the client contract with a different registered investment adviser and/or program sponsor. Our firm assists the client in selecting a new registered investment adviser however, any move to a new registered investment adviser is solely at the discretion of the client. For discretionary clients we may select a new third-party money manager consistent with the client's investment guidelines. Client Obligations Assets under the direct management of MFA Wealth Services are held at an independent custodian in the client’s name. For non-discretionary clients MFA Wealth Services does not have custody of client assets meaning that MFA Wealth Services does not hold client funds or securities either directly or indirectly and has no authority to obtain possession of them. Rather, MFA Wealth Services manages the assets under a limited power of attorney executed by the client. For clients under discretionary authority MFA Wealth Services maintains custody of client assets through a qualified custodian, which means that MFA Wealth Services has authority to act upon client assets without specific client direction. Prior to engaging MFA Wealth Services to provide services, clients are generally required to enter into an agreement with MFA Wealth Services setting the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to MFA Wealth Services beginning services. For non-discretionary clients, if requested by the client, MFA Wealth Services may recommend the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from MFA Wealth Services. The client is under no obligation to act on the investment adviser’s recommendation. Moreover, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through MFA Wealth Services. For discretionary clients MFA Wealth Services may choose to engage the services of other professionals for implementation purposes. In performing its services, MFA Wealth Services shall not be required to verify any information received from the client or from the client’s other professionals. Moreover, each client is advised that it remains his or her responsibility to promptly notify MFA Wealth Services if there is ever any change in the client’s financial situation or investment objectives during the client engagement. Disclosure Statement A copy of MFA Wealth Services’ written brochure as set forth on Part 2A of Form ADV shall be provided to each client prior to, or at the same time as, the execution of the Advisory Agreement. Any client who has not received a copy of MFA Wealth Services’ written brochure at least 48 hours prior to executing the Advisory Agreement shall have five business days subsequent to executing the agreement to terminate the MFA Wealth Services’ services without penalty. MFA Wealth Services also has an additional disclosure document, known as Form CRS and/or the Relationship Summary (Form ADV Part 3) which will be provided to the client. Our Policies on Class Action, Bankruptcies, and Other Legal Proceedings Clients should note that MFA Wealth Services will not advise nor act on behalf of the client in legal proceedings involving companies whose securities are held or previously were held in the client’s account(s), including, but not limited to, the filing of “Proofs of Claim” in class action settlements. If desired, clients may direct MFA Wealth Services, if documents have been received by MFA Wealth Services, to transmit copies of class action notices to the client or a third party. Upon such direction, MFA Wealth Services will make commercially reasonable efforts to forward such notices in a timely manner. Non-Participation in Wrap Fee Programs MFA Wealth Services, as a matter of policy and practice, does not sponsor any wrap fee program. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a client’s account is charged for investment advisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions. Amount of Assets Under Management As of April 11, 2023, MFA Wealth Services is a registered investment advisory firm. It currently has $12,064,990.99 dollars of assets under management on a non-discretionary basis and $179,393,824.06 dollars of assets under management on a discretionary basis. Item 5 – Fees and Compensation 10