A. FIRM DESCRIPTION WT Wealth Management, LLC (“WTWM,” “our firm,” “we,” “us”) is organized as a Wyoming limited liability company founded in 2013. WTWM is based in Scottsdale, Arizona and has been an SEC- registered investment adviser since March 2018. WTWM’s current business activity consists of providing wealth management services, wealth education services, and financial planning to its clients. The direct owner of WTWM is WesternTrust, L.P., a Delaware limited partnership. John Heilner is the Chief Investment Officer of WTWM. Jackson Rogers is the Chief Compliance Officer. B. TYPES OF ADVISORY SERVICES INVESTMENT ADVISORY SERVICES WTWM provides discretionary portfolio management services to its clients, based on the specific needs and objectives of such persons and the suitability of products and services. WTWM shall be granted full discretion and authority to manage the client’s account. Accordingly, WTWM can perform various functions without further approval from the client, such as the determination of securities to be purchased or sold without permission from the client prior to each transaction. Prior to engaging WTWM to provide any of the investment advisory services, WTWM requires a written investment management agreement (“IMA”) signed by the client prior to the engagement of services. The IMA outlines the services and fees the clients will incur pursuant to the IMA with WTWM. Upon request, WTWM will create an Investment Policy Statement for each client, which outlines the client’s current situation (goals, objectives, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client’s specific situation. Investment Advisory Services include, but are not limited to, the following:
• Investment Strategy
• Asset Allocation
• Regular Portfolio Monitoring
• Personal Investment Policy
• Security Selection As noted, WTWM’s asset management services are designed to offer portfolio construction and ongoing management of accounts with defined investment strategies to meet the client’s personal investment goals and objectives. WTWM evaluates each client's current investments regarding risk tolerance levels and time horizon. Risk tolerance levels may be documented in the Investment Policy Statement provided to our clients upon request. WTWM is responsible for providing ongoing re- balancing and continuous monitoring of our clients’ securities holdings. WTWM generally limits its money management to individual stocks, Exchange Traded Funds (“ETFs”), mutual funds, fixed income securities, and Real Estate Investment Trusts (“REITs”). WTWM may use other securities as well to help diversify a portfolio when applicable, and can service annuities, 529 plans, and other non-custodial accounts. WEALTH EDUCATION SERVICES WTWM believes all investors should be encouraged to increase their knowledge, as education is a key component in empowering our clients to avoid behavioral mistakes that hinder a successful investing experience. We seek opportunities to teach principles that will enhance each client’s accumulation, protection and enjoyment of wealth. WTWM believes in transparency and that clients have the right to ask questions, challenge our beliefs, receive forthright responses, and enjoy honest discussion about their investment portfolio. There is no fee involved when WTWM provides wealth education services to its clients and a nominal fee of less than $100 per person per event for those who are not clients. In addition to one-on-one discussions with individual clients, WTWM may also conduct wealth educational events and outings (such as seminars and workshops) on various financial topics for our clients and the public. Participants can increase their knowledge during these educational events and ask specific questions by interacting with financial professionals and experts who will instruct such events. Sample wealth education topics (whether addressed individually or in seminars and workshops) might include, but are not limited to:
• Financial Plans
• Estate Planning
• Succession Planning
• Financial Risk
• Asset Allocation Models
• Modern Portfolio Theory
• Investment Strategies
• Real Estate Investing
• Insurance (all types)
• Medicare or Social Security Enrollment and Administration
• Navigating the Affordable Care Act (“Obamacare”) and other healthcare

topics
• Tax Planning and Filing
• Financial Negotiation Skills PUBLICATIONS WTWM publishes, on various financial, market or macroeconomic topics, a monthly market update; a monthly white paper; and other articles or videos. These publications are posted to the www.wtwealthmanagement.com website and to our social media sites where they are publicly available at no cost to the reader. WTWM also periodically sends e-mails to its clients and contact database in response to significant market or business events. FINANCIAL PLANNING SERVICES WTWM may provide additional advisory services in the form of financial planning services. These services are provided on a non-discretionary basis. Financial planning services do not involve the active management of client accounts, but instead focus on a client’s overall financial situation. If clients wish to execute their financial plan through WTWM, they may separately engage the Firm for asset management services, which are provided on a discretionary basis. Financial planning can be described as helping individuals to determine and set their long-term financial goals through investments, tax planning, asset allocation, risk management, retirement planning, and other areas. The role of the financial planner is to find ways to help the client understand his/her overall financial situation and help the client set financial objectives. Should the client elect to act on any recommendation made by WTWM, the client is under no obligation to affect the transaction through the Firm. C. TAILORED RELATIONSHIPS WTWM offers the same suite of services to all its clients. The management services and recommendations offered by WTWM are based on the individual needs of our clients and the suitability of products and services. Specific client financial plans and their implementation are dependent upon the client’s Investment Policy Statement which outlines each client’s current situation (income, objectives, and risk tolerance levels) and is used to construct a client-specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values and beliefs. WTWM will make every effort to comply with the wishes of the client but cannot guarantee absolute adherence due to its use of indexed products, funds, and ETFs that are controlled by third-party managers. D. WRAP FEE PROGRAMS WTWM does not participate in and is not a sponsor of wrap fee programs. Wrap Fee Programs are arrangements between broker-dealers, investment advisers, banks and other financial institutions, and affiliated and unaffiliated investment advisers through which the clients of such firms receive discretionary investment advisory, execution, clearing, and custodial services in a “bundled” form. In exchange for these “bundled” services, the clients pay an all-inclusive (or “wrap”) fee determined as a percentage of the assets held in the wrap account. E. ASSETS UNDER MANAGEMENT When calculating regulatory assets under management, an Investment Adviser must include the value of any advisory account over which it exercises continuous and regular advisory or management services. As of December 31, 2023, WTWM managed $301,248,853 in client assets on a discretionary basis and $9,856,497 on a non-discretionary basis. F. SOLICITED OR SUB‐ADVISED SEPARATELY MANAGED ACCOUNTS (SMA) WTWM provides investment management services to clients facilitated by independent investment advisors contractually engaged by WTWM (collectively referred to as “Introducing Advisors”). WTWM may also act as sub-advisor to an unaffiliated independent investment advisor. Under these arrangements, each account is held at an unaffiliated brokerage firm or custodian, and is registered to the person, persons, or other entity listed on that firm’s new account forms. All securities are owned directly by the account’s registered owner or owners. WTWM directs the investment of the securities on a discretionary basis in the account under a limited power of attorney granted to WTWM by the client. WTWM is compensated by the investment management fee as detailed in the contract with the client. The Introducing Advisor receives a fee disclosed in the contract with the client and may provide continuing financial planning or other services for the client.