A. Detterbeck Wealth Management DWM Financial Group, Inc. d/b/a Detterbeck Wealth Management (“Detterbeck Wealth Management” and/or “the firm”) is an SEC-registered investment adviser with its principal place of business located in Illinois. The firm also has a branch office in South Carolina. DWM Financial Group, Inc. began conducting business in 1999. Listed below are the firm’s principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company):  Lester G. Detterbeck, Chairman of the Board, Secretary, Treasurer, Advisor Representative  Brett M. Detterbeck, President, Chief Compliance Officer, Head Portfolio Manager, Advisor Representative B. Advisory Services Offered Detterbeck Wealth Management offers the following advisory services to our clients:  Investment Management Advisory Services  Financial Planning Advisory Services Clients can choose one or both of these services to engage in by selecting from our programs menu shown further below. B.1. Investment Management Advisory Services Detterbeck Wealth Management offers Investment Management Advisory Services to our clients. Detterbeck Wealth Management is a wealth manager for clients with portfolios generally over $500,000 that takes a more comprehensive view of a client’s financial life. As a wealth manager, we not only offer to provide investment management advice, but also offer practical solutions for taxes, retirement, estate planning and asset protection. Detterbeck Wealth Management can offer to help investors at various points in their financial journey, helping them choose the appropriate strategies for their current asset levels, risk tolerances and time horizons. Our Investment Management Advisory Services is a fee-only investment program designed to achieve reasonable long-term returns for a given level of risk. The goal is to provide top quality, professional investment services including analysis of client risk tolerance and financial goals, specific portfolio investment recommendations based on individual client needs, portfolio management which is regularly monitored, and issuance of quarterly performance reports. Through personal discussions and meetings with the client in which goals and objectives based on a client’s particular circumstances are established, we develop and clients approve a personal investment policy statement. We create and manage a portfolio based on that policy. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, liquidity needs, and other significant items. Clients wanting to engage Detterbeck Wealth Management will be urged to establish an account with Charles Schwab & Co., Inc. or another agreed upon custodian and grant trading authorization to Detterbeck Wealth Management. Based on the client’s investment objectives, risk tolerance, and financial situation, Detterbeck Wealth Management will manage the account on a continuous basis. Clients who choose another custodian are advised that the custodian must be able to provide duplicate statements and confirmations to Detterbeck Wealth Management and accept trades from Detterbeck Wealth Management. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding certain securities as listed and described in Item 8 of this Brochure. Because some types of investments involve certain additional degrees of risk, they will only be recommended/ implemented when consistent with the client’s stated investment objectives, tolerance for risk, liquidity and suitability. Clients have the right to decline any investment recommendation. Detterbeck Wealth Management does not represent, warrantee or imply that the services or methods of analysis used by us can or will predict future results, successfully identify market tops or bottoms, or insulate clients from losses due to major market corrections or crashes. The client is advised that the investment recommendations and advice offered by Detterbeck Wealth Management are not legal advice or accounting service. The client should coordinate and discuss the impact of financial advice with their attorney and/or accountant. The client is advised that it is necessary to inform us promptly with respect to any changes in the client’s financial situation and investment goals and objectives. Failure to notify us of any such changes could result in investment recommendations not meeting the needs of the client. B.1.a. DWM Emerging Investor Program We offer an automated investment program (the “Program”) through which clients are invested in a range of investment strategies we have constructed and manage, each consisting of a portfolio of exchange-traded funds (“ETFs”) and a cash allocation. The client may instruct us to exclude up to three ETFs from their portfolio. The client’s portfolio is held in a brokerage account opened by the client at Charles Schwab & Co., Inc. (“CS&Co”). We use the Institutional Intelligent Portfolios® platform (“Platform”), offered by Schwab Performance Technologies (“SPT”), a software provider to independent investment advisors and an affiliate of CS&Co., to operate the Program. We are independent of and not owned by, affiliated with, or sponsored or supervised by SPT, CS&Co., or their affiliates (together, “Schwab”). We, and not Schwab, are the client’s investment advisor and primary point of contact with respect to the Program. We are solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. We have contracted with SPT to provide us with the Platform, which consists of technology and related trading and account management services for the Program. The Platform enables us to make the Program

available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps us determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Clients should note that we will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio, but we then make the final decision and select a portfolio based on all the information we have about the client. The System also includes an automated investment engine through which we manage the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). We charge clients a fee for our services as described below under Item 5: Fees and Compensation. Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co. as part of the Program. Schwab does receive other revenues in connection with the Program. B.2. Financial Planning Services Detterbeck Wealth Management offers to provide financial planning services. The Financial Planning Association (FPA) defines Financial Planning as the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, financial planning is a process, not a product. As such, Detterbeck Wealth Management offers to help you develop well-defined goals and create a road-map to appropriate strategies to potentially turn those dreams into reality via written financial plans and ongoing financial advice. Detterbeck Wealth Management follows the CFP® 6-Step Process: 1. Establishing and defining the client-planner relationship 2. Gathering client data including goals 3. Analyzing and evaluating your financial status 4. Developing and presenting financial planning recommendations and/or alternatives 5. Implementing the financial planning recommendations 6. Monitoring the financial planning recommendations Detterbeck Wealth Management uses financial planning software and other tools to analyze all aspects of one’s finances in the following areas:  Cash Flow Management  Education Funding  Financial Independence Planning
• Pre- and Post-Retirement
• Asset Allocation and Modeling
• Risk Profiling  Estate Planning
• Proactive coordination with your estate attorney
• Charitable Planning
• Succession Planning  Tax Planning – proactive coordination with your accountant and/or tax attorney  Insurance / Risk Management Planning – proactive coordination with your insurance agent Using all of the information above, Detterbeck Wealth Management can help clients develop a financial plan and can provide ongoing financial planning advice. B.3. DWM Programs Menu - How to incorporate these services  Total Wealth Management – Investment management (“IM”) and financial planning (“FP”) advisory services for clients with investment portfolios greater than $1,000,000; includes the following services: Financial Advisory
• Comprehensive initial financial review
• Regular, at least quarterly, financial review update
• Ongoing proactive advice
• Collaborative, responsive coordination with client’s other professionals
• Ad hoc advice via phone or email Investment Management
• Investment review of all accounts
• Investment portfolio construction and implementation of all managed accounts
• Consolidation of all investments, including managed and unmanaged, using firm’s ByAllAccounts system
• Regular rebalancing
• Reporting and cashiering
• Fees: ongoing management fee based on AUM  DWM Emerging Investor Program – IM and FP advisory services for clients with investment portfolios greater than $200,000 with anticipated future additional assets; includes the following services:
• Upfront financial review
• Ongoing financial advice including at least annual updating of net worth and financial independence retirement scenarios
• Coordination of transfer of investment accounts, implementation, and ongoing investment management services
• Fees: ongoing management fee based on AUM  Special Projects – Business consultation as a stand-alone service; no investment management services. Some examples of special projects include:
• Administrative estate planning
• Business valuation
• Succession planning
• Fees: annual retainer fee, fixed fee, and/or hourly fee (*may be waived if client advances to TWM or Emerging Investor Program) C. Client-Tailored Services and Client-Imposed Restrictions Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. Clients are advised that certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the market and economy. However, past performance is not an indication of future performance. Detterbeck Wealth Management cannot offer any guarantees or promises that client’s financial goals and objectives will be met. D. Wrap Fee Programs Detterbeck Wealth Management does not participate in wrap fee programs. (Wrap fee programs offer services for one all-inclusive fee.) E. Client Assets Under Management As of December 31, 2023, Detterbeck Wealth Management managed $204,610,299 on a discretionary basis, and $19,132,254 on a non-discretionary basis.