Koa Wealth Management offers a variety of advisory services, which include financial planning, investment management, and retirement plan consulting services. Prior to Koa Wealth Management rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Koa Wealth Management setting forth the relevant terms and conditions of the advisory relationship (the "Advisory Agreement").
Koa Wealth Management registered as an investment adviser in May 2018 and is owned by the Michael Souza Revocable Trust and Tytan Wealth, Inc., which are both wholly owned by Michael Souza. As of March 7, 2024, Koa Wealth Management had $214,225,530 in assets under management, $204,187,903 of which was managed on a discretionary basis and $10,037,627 of which was managed on a non-discretionary basis. We also provide advice on $3,984,719 in client assets on a non-continuous basis.
While this brochure generally describes the business of Koa Wealth Management, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm's officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on Koa Wealth Management's behalf and are subject to the Firm's supervision or control.
Financial Planning Services Koa Wealth Management offers clients a broad range of financial planning services, which include any or all of the following functions:
•Business Planning
•Cash Flow Forecasting
•Trust and Estate Planning
•Financial Reporting
•Investment Consulting
•Insurance Planning
•Retirement Planning
•Risk Management
•Charitable Giving
•Distribution Planning
•Tax Planning In performing these services, Koa Wealth Management is not required to verify any information received from the client or from the client's other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Koa Wealth Management recommends certain clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents or registered representatives of a broker-dealer and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Koa Wealth Management or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Koa Wealth Management under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Koa Wealth Management's recommendations and/or services.
4 Investment Management Services Koa Wealth Management manages client investment portfolios on a discretionary or non-discretionary basis. Koa Wealth Management primarily allocates client assets among various mutual funds, exchange- traded funds ("ETFs"), and individual debt and equity securities, in accordance with their stated investment objectives. In addition, Koa Wealth Management also recommends that certain eligible clients invest in privately placed securities, which may include debt, equity, real estate and/or interests in pooled investment vehicles (e.g., hedge funds, partnerships).
Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios. Clients can engage Koa Wealth Management to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Koa Wealth Management directs or recommends the allocation

of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product's provider.
Koa Wealth Management tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Koa Wealth Management consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Koa Wealth Management if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Koa Wealth Management determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm's management efforts.
The Firm does not participate in a wrap fee program.
Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. 5 We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Retirement Plan Consulting Services Koa Wealth Management offers various consulting services, which do not involve Investment Management Services, to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans.
Each engagement is individually negotiated and customized, and includes any or all of the following services:
•Plan Design and Strategy
•Plan Review and Evaluation
•Executive Planning &Benefits
•Investment Selection
•Plan Fee and Cost Analysis
•Plan Committee Consultation
•Fiduciary and Compliance
•Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by Koa Wealth Management as a fiduciary pursuant to Section 3(21)(A)(ii) under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of Koa Wealth Management's fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement.