Our firm is dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of California in 2015 and has been in business as an investment adviser since that time. Our firm is owned by Anastasia Melbrod (33.4%), Scott Melbrod (33.3%), and Wesley Melbrod (33.3%). The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Types of Advisory Services Offered ASSET MANAGEMENT SERVICES As part of our Asset Management Service , a portfolio is created, consisting of individual stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investments. The client’s individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities. Portfolios will be designed to meet a particular investment goal, determined to be suitable to the client’s circumstances. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals and objectives. FINANCIAL PLANNING SERVICES MWM may provide its clients with comprehensive financial planning services. Generally, such services are provided for on an hourly or flat fee, as described under Item 5, below. MWM’s financial planning services typically include, but are not limited to, providing advice or recommendations regarding asset allocation; risk management; portfolio analysis; and evaluation and review of investment accounts. MWM’s approach to financial planning starts

with gathering information about the clients’ current financial position and objectives. This process involves the collection, organization, and assessment of all relevant client data including information concerning the client’s lifestyle, risk tolerance, current assets and cash flow, as well as identification of the client’s financial concerns, goals, and objectives. Also taken into account and ADV Part 2A: Firm Brochure Page 5 of 26 M Wealth Management, LLC computed for the client is their human capital and for comparison sake their human capital to financial capital ratio. This allows a client to have a more complete “Total Wealth” view of their financial position. The primary objective of this process is to allow MWM to assist the client in developing a strategy for the successful management of income, assets, and liabilities in order to meet the client’s individual financial goals and objectives. Clients have the option of having a complete financial plan developed for them or also just doing a compartmentalized portion of the entire plan developed depending on their specific needs. Types of compartmentalized plans include but are not limited to a(n):
• Accumulation Plan
• Retirement Income/Distribution Plan
• Liability/Mortgage Plan
• Education Financing Plan
• Insurance/Risk Management Plan
• Estate Plan Tailoring of Advisory Services INDIVIDUAL TAILORING OF ADVICE TO CLIENTS Our firm offers individualized investment advice to our Asset Management clients. General investment advice will be offered to our Financial Planning & Consulting clients. Each Asset Management client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Participation in a Wrap Fee Program Our firm does not currently offer or sponsor a Wrap Fee Program service. However, we have some Legacy Clients currently enrolled in our Wrap Program that are being transitioned into our Asset Management service. ADV Part 2A: Firm Brochure Page 6 of 26 M Wealth Management, LLC Assets Under Management MWM has $142,203,596 in discretionary assets under management as of December 31, 2022.