IAMS Wealth Management, LLC (“IAMS Wealth” and/or “the firm”) is a limited liability company organized in the State of Nebraska. Steve Michael Murray, Charles Michael Heuring, Charles Richard Heuring, and Michael Gregory Hansen are the principal owners of the firm. IAMS Wealth has been offering investment advisory services since 2016. The following paragraphs describe our services and fees. You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to anyone from our firm who is an officer, employee, and all individuals providing investment advice on behalf of our firm. Where required, such persons are properly licensed or registered as investment adviser representatives. Portfolio Management Services IAMS Wealth offers discretionary portfolio management services. Discretionary portfolio management means that we choose the broker-dealer/custodian to be used, and we make investment decisions and place buy or sell orders in your account without contacting you to receive your advance permission. If you wish, you may limit our discretionary authority by, for example, setting a limit on the type of securities that can be purchased for your account. All restrictions or guidelines must be provided in writing. Our investment advice is tailored to meet our clients’ needs and investment objectives. If you decide to hire our firm to assist you with the management of your portfolio, an Associated Person of IAMS Wealth will meet with you and gather information about your financial situation, investment objectives, and any reasonable restrictions you would like to impose on the management of the account. The information we gather will help us implement an asset allocation strategy that will be specific to your needs and goals. Selection of Other Advisers Currently, our asset allocation and advisory services are offered in conjunction with a sub-adviser, Fusion Capital Management (CRD#156549). The sub-adviser assists our firm with back-office support, trading, report preparation, and billing calculation. We use model portfolios developed by us or through models created and managed by other registered investment advisers (collectively “other advisers”). These other advisers are responsible for the research and security selection, and IAMS Wealth and/or our subadvisor, Fusion Capital Management, are responsible for the supervision of the account and implementation of transactions. Clients will receive relevant information about the model portfolios in the form of fact sheets. Disclosure information regarding relevant other advisers is available on the SEC’s public disclosure site, www.adviserinfor.sec.gov. At this time, the portfolio models are provided by:
• Fusion Capital Management (CRD #156549)
• Brookmont Capital Management, LLC (CRD #145475)
• Optimus Advisory Group (CRD #111239)
• First Trust Advisors LP (CRD #107027)
• Wisdom Tree Asset Management, Inc. (CRD #139684)
• State Street Global Advisors Funds Distributors, LLC (CRD #30107)
• ZEGA Financial, LLC. (CRD #156803), among others. Accounts are managed to diversify clients’ investments and may include various types of securities such as equity securities, Exchange Traded Funds (ETFs), corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company products, and U.S. Government securities. Other types of investments may also be recommended where such investments are appropriate based on the client’s stated goals and objectives. Investments and allocations are determined and based on the client's predefined objectives, risk tolerance, time horizon, financial horizon, financial information, and other various suitability factors. Further restrictions and guidelines imposed by clients may affect the composition and performance of a client’s portfolio. For these reasons, the performance of the portfolio may not be identical to the average client of IAMS Wealth. On an ongoing basis, IAMS Wealth reviews the client’s financial circumstances and investment objectives and instructs the sub-adviser to make the necessary adjustments to the client’s portfolio to achieve the desired results. Clients are required to provide the firm with prompt notice of any changes in their personal financial circumstances, investment objectives, goals, and risk tolerance. IAMS Wealth will contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives, and risk tolerance. Referrals to Third Party Investment Advisers Additionally, from time to time, we may recommend that you use the services of or specific programs offered through a third-party investment adviser ("TPIA") to manage your entire, or a portion of your, investment portfolio. All TPIAs recommended by our firm must either be registered as investment advisers or exempt from registration requirements in applicable jurisdictions. After gathering information about your financial situation and objectives, we will recommend that you engage a specific TPIA or investment program. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: the TPIA’s performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will monitor the TPIA’s performance to ensure its management and investment style remain aligned with your investment goals and objectives. The TPIA will actively manage your portfolio and will assume discretionary investment authority over your account. The TPIA(s) may use one or more model portfolios to manage your account. We will assume discretionary authority to reallocate your assets, where we deem such action to be appropriate. You will be required to sign an agreement directly with the recommended TPIA. You may terminate your advisory relationship with the TPIA according to the terms of your agreement with the TPIA. You should review each TPIA’s disclosure brochure and advisory agreement for specific information on how you may terminate your advisory relationship with the TPIA and how you may receive a refund, if applicable. You should contact the TPIA directly for questions regarding your advisory agreement with the TPIA. Typically, fees charged by recommended TPIAs are payable quarterly or monthly. If we recommend a TPIA that charges fees in advance, the TPIA will prorate the fee in accordance with the advisory agreement between you and the TPIA; and, any pre-paid, unearned fees, including any portion paid to us, will be promptly refunded to you. Prior to the client entering into a management agreement with a TPIA, the TPIA fees, including the portion of the fee that will be paid to IAMS Wealth, will be fully disclosed. Lower fees for comparable services may be available from other sources. ERISA Plan Services IAMS Wealth offers certain advisory services to specifically designated retirement plans (“Plan”) qualified under Section 401(a) of the Internal Revenue Code of 1986, as amended and the Plan Sponsor (the “client”) as the responsible plan fiduciary under the Employee Retirement Income Security Act (“ERISA”). In performing the following services, IAMS Wealth will act as an investment adviser to the plan and as a fiduciary to the extent defined by ERISA Section 3(21). As a 3(21) investment fiduciary, IAMS Wealth provides certain services to the client on a non- discretionary basis as agreed upon between the client and IAMS Wealth. The client will be the responsible plan fiduciary for the control and/or management of the assets of the Plan, and for the selection and monitoring of service providers for the Plan, in accordance with the requirements of ERISA. The client will retain ultimate decision-making authority for investments and may

accept or reject any recommendations made by IAMS Wealth. Fiduciary services may include one or more of the following:
• Reviewing and providing recommendations to the investment policy statement (“IPS”).
• Assisting the client with recommendations regarding menu diversification, and non- discretionary model portfolios.
• Meeting with the client periodically to discuss the reports and the investment decisions and make recommendations.
• Assisting in monitoring investment options by preparing quarterly and annual reports that document investment performance, consistency of fund management, and conformance to any guidelines set forth in the Plan and notifying the client of any recommendations.
• Performing an analysis of the fees and expenses associated with the investments and the service providers, and recommending changes when warranted.
• Providing recommendations and guidance regarding a Qualified Default Investment Alternative (“QDIA”). Non-fiduciary services may include one or more of the following:
• On a mutually agreeable schedule, IAMS Wealth will assist in the education of the participants in the Plan, about general investment principals and the investment alternatives available under the Plan. Our assistance with general investment education shall be consistent with and within the scope of the definition of investment education provided by the Department of Labor.
• Upon a mutually agreeable date(s), IAMS Wealth will assist in the group enrollment meetings and discuss retirement plan participation among employees and investment and financial understanding by the employees. Other services may be provided as agreed upon in writing between the client and IAMS Wealth. The agreed upon services and fees will be set forth in the advisory agreement between the client and IAMS Wealth. Wrap Fee Programs IAMS Wealth does not sponsor or manage any wrap fee programs. However, recommended TPIAs may offer wrapped and/or non-wrapped pricing options. Wrap pricing structures typically allow the client to pay an all-inclusive fee for management, brokerage, clearance, custody, and administrative services. Otherwise, transaction costs may also be charged by the account custodian for the execution and clearance of advisory transactions directed by such TPIAs. A complete description of the programs and services provided, the amount of total fees, the payment structure, termination provisions, and other aspects of each program are detailed and disclosed in the TPIA’s Form ADV Part 2A or equivalent disclosure documents. Financial Planning Services We offer broad based financial planning services regarding the management of financial resources based on an analysis of the client’s individual needs. We will meet with you to gather information about your financial circumstances and objectives. Once we collect and analyze the documentation and information you provide, we work with you to develop a financial plan designed to help you achieve your financial goals and objectives. In this way, IAMS Wealth assists the client in developing a strategy for the management of income, assets, and liabilities. In general, financial planning services may include any one or all of the following:
• Cash Flow Analysis – Assessment of a client’s present financial situation by collecting information regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans, employee benefit statements, etc. The firm advises on ways to reduce risk and coordinate and organize records and estate information.
• Retirement Analysis – Identification of a client’s long-term financial and personal goals and objectives includes advice for accumulating wealth for retirement income or appropriate distribution of assets following retirement. Tax consequences and implications are identified and evaluated.
• Portfolio Analysis/Investment Planning – We provide investment alternatives, including asset allocation, and effect on a client’s portfolio. We evaluate the economic and tax characteristics of existing investments as well as their suitability for a client’s objectives. We identify and evaluate tax consequences and their implications.
• Insurance Analysis – Includes risk management associated with advisory recommendations based on a combination of insurance types to meet a client’s needs, e.g., life, health, disability, and long-term care insurance. This will necessitate an analysis of the cash needs of the family at death, the income needs of surviving dependents, and disability income analysis.
• Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education.
• Estate Analysis – We provide advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. Financial plans are based on a client’s financial situation based on the information provided to the firm. The recommendations and solutions are designed to achieve the client’s desired goals, subject to periodic evaluation of the financial plan, which may require revision to meet changing circumstances. We should be notified promptly of any change to a client’s financial situation, goals, objectives, or needs. Clients can also request financial planning services that cover a specific area, such as retirement, estate planning, or asset allocation analysis. We offer consultative services where we set an appointment to meet with you for financial planning advice for an hourly fee. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our investment advisory services or by using the advisory/brokerage firm of your choice. In some cases, our recommendations may involve the purchase of insurance products. IAMS Wealth is affiliated with Insurance Agency Marketing Services, Inc., a licensed insurance agency, through common ownership and control. Investment Adviser Representatives of IAMS Wealth may also be licensed insurance agents. Insurance Agency Marketing Services, Inc. and our dually licensed Investment Adviser Representatives can effect transactions in insurance products and earn commission-based compensation for these activities. Clients should be aware that a conflict of interest is inherent in such an arrangement. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct from the commissions earned by Insurance Agency Marketing Services, Inc. and our dually licensed Investment Adviser Representatives. Clients of IAMS Wealth are not required to purchase insurance products from Insurance Agency Marketing Services, Inc. or the firm’s dually licensed Investment Adviser Representatives and can purchase insurance products from any insurance agency and agent of their choice. Note: Information related to tax and legal consequences that is provided as part of the financial plan is for informative purposes only. Clients are instructed to contact their tax or legal advisers for personalized advice. Assets Under Management As of January 11, 2024, we had approximately $213,238,892 in discretionary assets under management and no assets under management on a non-discretionary basis. Investment Adviser Representatives Co-Branding Our firm offers services through our network of investment adviser representatives (“Adviser Representatives” or “IARs”). IARs may have their own legal business entities whose trade names and logos are used for marketing purposes and may appear on marketing materials or client statements. The Client should understand that the businesses are legal entities of the IAR and not of our firm, IAMS Wealth. The IARs are under the supervision of our firm, IAMS Wealth, and the advisory services of the IAR are provided through our firm, IAMS Wealth. For additional information, please ask your IAR.