Firm Profile:
Pension & Wealth Management Advisors, Inc (“PWMA”) is a registered investment advisor with the U.S. Securities
and Exchange Commission (“SEC”).
PWMA offers investment advisory and financial planning services to individuals, high net worth individuals,
institutions, trusts, estates, retirement plans, charitable organizations, and businesses.
The firm serves as a fiduciary to clients, as defined under applicable laws and regulations.
Years in Business:
Date of Formation: 12/18/2019
Date of Initial Investment Adviser Registration: 07/06/2020
Direct Principal Owners:
PWMA is owned by Mr. George P. Webb. Presently there are no other owners.
Our Services:
Portfolio Management
We offer ongoing portfolio management on a discretionary basis to various types of clients, including individuals,
high net worth individuals, and institutions. PWMA’s comprehensive portfolio management services encompass
asset management as well as providing financial planning/consulting to clients. PWMA may offer advice on a
variety of investments, including stocks, bonds, exchange traded funds (“ETFs”), options, domestic pooled
investment vehicles (i.e., mutual funds or closed end funds) and alternative investments, such as hedge funds,
private placements, investments in real estate, venture and post venture capital companies. An advisory account
may not constitute a fully diversified or balanced portfolio that is suitable for all of a client’s assets. The client’s
individual investment strategy is tailored to the client’s specific needs and may include some or all of the
previously mentioned securities and financial instruments.
Each client has the opportunity to place reasonable restrictions on the types of investments to be held in client’s
portfolio. However, 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.
Client accounts are reviewed at least quarterly PWMA may review accounts more frequently and periodically
rebalance or adjust client accounts for clients where the Firm has discretion The Firm maintains a close working
relationship with its clients in order to respond effectively to major market or economic events, or to changes in
a client’s investment risk tolerance and life circumstances. For additional information on review of accounts,
please see Item 13.
All investment management activities and recommendations are provided directly by PWMA without the use of
third-party asset managers.
PWMA Form ADV, Part 2A, page 5
Financial Planning
We may occasionally prepare a written financial plan for our clients when deemed appropriate. Our financial
planning services may involve consultation, analysis, and recommendations in the six areas of financial planning,
which include (1) financial situation; (2) income taxes; (3) insurance; (4) investments; (5) retirement planning; and
(6) estate planning.
In order to determine a suitable course of action for an individual client, we will perform a review of the variables
that are presented. This review may include, but would not necessarily be limited to, investment objectives,
consideration of your overall financial condition, income and tax status, personal and business assets, risk profile,
and other factors unique to your particular circumstances.
We will review your present financial situation and issue a written analysis and report of recommendations in
accordance with your goals and objectives. This service may include an initial consultation and subsequent follow-
up visits. The services provided
in this regard may include but would not be limited to the following:
• Prepare a personal or family balance sheet • Prepare a personal or family income statement
• Create a cash flow analysis • Prepare financial ratio analysis
• Review current investments and make
recommendations thereon
• Review client’s most recent tax returns and
provide tax planning advice
• Review client’s life insurance coverages and
create a risk analysis
• Review client’s estate plan and make
recommendations thereon
• Complete a retirement analysis • Provide education planning advice
We will assist in the coordinating and the implementation of the plan. You assume full responsibility for the
implementation of the plan.
Customization of Advisory Services
To the fullest extent possible, we will endeavor to tailor our advisory services to meet the specific needs of each
client. In order to determine a suitable course of action for an individual client, we will perform a review of our
clients’ financial circumstances. Such review may include, but would not necessarily be limited to, investment
objectives, consideration of a client’s overall financial condition, income and tax status, personal and business
assets, risk profile, and other factors unique to a client’s particular circumstances.
In making investment recommendations on behalf of a client, we will rely on a risk tolerance assessment, fact
finding, and time horizon assessment, which would be based on information provided by a client.
Our clients are free to impose any restrictions or other conditions with regard to how we provide our advisory
services. If we agree to such restrictions and/or conditions, please be advised that restrictions and guidelines
imposed by a client may affect the composition and performance of custom portfolios (as a result, performance
of custom portfolios within the same investment objective may differ and a client should not expect that the
performance of a custom portfolio will be identical to any other individual’s portfolio performance) as well as any
recommendations provided to the client.
Disclosure of Fiduciary Status to Retirement Account Investors
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.
PWMA Form ADV, Part 2A, page 6
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.
Wrap Fee Program Participation
None of our investment advisory services involve the use of wrap programs.
Assets Under Management (“AUM”):
AUM (Discretionary): $ 301,250,667
AUM (Non-Discretionary): $ 6,900
Total AUM:
$ 301,257,567
Date of AUM Calculation: December 31, 2023