WJ Wealth Management is a registered investment adviser in Arizona. The firm’s founding members Roger L. Wilson and Jeffry R. Jones organized the firm as an LLC in 2013 under the name WSJ/2nd50 Advisors while acting as Registered Representative and Investment Adviser Representatives of LPL Financial. In 2014, the name, WSJ/2nd 50 Advisors, was changed to WJ Wealth Management and registered as an independent investment adviser in Arizona. Mr. Wilson and Mr. Jones remain as Registered Representative of LPL Financial. Any and all material conflicts of interest are disclosed herein. WJ Wealth Management provides fee-based investment advisory services primarily to individual client and high – net worth individuals.
• The firm is a Registered Investment Adviser regulated by the U.S. Securities and Exchange Commission.

• The firm is compensated based on a percentage of assets under management.

• The individuals associated with WJ Wealth Management are appropriately licensed and authorized to provide advisory services on behalf of WJ Wealth Management.
Advisor representatives are restricted to providing services and charging fees based in accordance with the descriptions detailed in this document and the account agreement. However, the exact service and fees charged to a particular client are dependent upon the representative that is working with the client. Advisors are instructed to consider the individual needs of each client when recommending an advisory platform. Investment strategies and recommendations are tailored to the individual needs of each client. Individuals associated with WJ Wealth Management are also registered representatives of LPL Financial, an SEC registered broker/dealer, a member of the Financial Regulatory Authority (“FINRA”) and the Securities Investors Protection Corporation (“SIPC”). Any securities transactions shall be directed to LPL Financial for execution. WJ Wealth Management and LPL Financial are not affiliated legal entities. Financial Planning Services As a part of our financial planning services, WJ Wealth Management, through its IARs, may provide personal financial planning tailored to the individual needs of the client. These services may include, as selected by the client on the financial planning agreement, information and recommendations regarding tax planning, investment planning, retirement planning, pension consulting, estate needs business needs, education planning, life and disability insurance needs, long-term care needs and cash flow/budget planning. The services take into account information collected from the client such as financial status, investment objectives and tax status, among other data. Fees for such services are negotiable and detailed in the financial planning agreement. The financial plan may include generic recommendations as to general types of investment products or specific securities which may be appropriate for the Client to purchase given his/her financial situation and objectives. The Client is under no obligation to act upon the investment adviser’s recommendation or purchase such securities through WJ Wealth Management and the IAR. However, if the Client desires to purchase securities or advisory services in order to implement his/her financial plan, WJ Wealth Management may make a variety of products and services available through its IARs, in their separate capacity as registered representatives and/or investment 5 | P a g e adviser representatives of LPL Financial. This may result in the payment of normal and customary commissions, advisory fees, or other types of compensation to the IARs of WJ Wealth Management in their separate capacity. A conflict exists between the interest of the investment adviser and the interests of the client. Depending on the type of account that could be used to implement a financial plan, such compensation may include, but is not limited to, advisory fees; commissions; mark-ups and mark-downs; transaction charges; confirmation charges; small account fees; mutual fund 12b- fees; mutual fund sub-transfer agency fees; hedge fund, managed futures, and variable annuity investor servicing fees; retirement plan fees; fees in connection with an insured deposit account program; marketing support payments from mutual funds; annuity and insurance sponsors; administrative servicing fees for trust accounts; referral fees; compensation for directing order flow; and bonuses, awards or other things of value offered by WJ Wealth Management to the IAR. To the extent that IAR recommends that Client invest in products and services that will result in compensation being paid to the IARs of WJ Wealth Management, in their capacity as registered representatives or investment adviser representatives of LPL Financial, this presents a conflict of interest. This compensation to IAR of WJ Wealth Management may be more or less depending on the product or service that IAR recommends. Therefore, the IAR may have a financial incentive to recommend that a financial plan be implemented using a certain product or service over another product or service. The IAR, in his/her capacity as a registered representative and/or investment adviser representative of LPL Financial, may receive additional cash or non-cash compensation from advisory product sponsors. Such compensation may not be tied to the sale of any products. Compensation may include such items as gifts valued at less than $100 annually, an occasional dinner or ticket to a sporting event, or reimbursement in connection with education meetings or marketing or advertising initiatives. Hourly Consulting Services WJ Wealth Management, though its IARs, may provide consulting services on an hourly basis, with fees not

to exceed $400.00 per hour. These services may include, as selected by the client in the consulting agreement, advice regarding tax planning, investment planning, retirement planning, pension consulting, estate planning, cash flow/budget planning, business planning education planning, and personal financial planning. The services take into account information collected form the client such as financial status, investment objectives and tax status, among other data. The IARs may or may not deliver to the client a written analysis or report as part of the services. The IARs tailor the hourly consulting services to the individual needs of the client based on the investment objective chosen by the client. The engagement terminates upon final consultation with the client. Fees for such services are negotiable and detailed in the consulting agreement. Neither the firm nor any investment advisor representative are registered or have any application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing. Asset Management WJ Wealth Management through its Investment Adviser Representatives provides ongoing investment advice and management on assets in the client’s custodial Strategic Wealth Management (SWM) / Managed Wealth Portfolio – Advisor Sleeve (MWP) accounts held at LPL Financial. More specific account information and acknowledgements are further detailed on the account application. 6 | P a g e Investment advisor representatives provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), variable annuity subaccounts, real estate investment trusts (“REITs”), equities, and fixed income securities. The advice is tailored to the individual needs of the client based on the investment objective chosen by the client in order to help assist clients in attempting to meet their financial goals. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment profile. A minimum account value of $25,000 is generally required for the program. In certain instances, WJ Wealth Management will permit a lower minimum account size. Assets managed in a wrap fee account are not managed differently from a non-wrap fee account. However, WJ Wealth Management may charge a higher fee, up to 2.5%, and receive a portion of the wrap fee for services provided. WJ Wealth Management offers asset management on a discretionary and non-discretionary basis. As of February 1, 2024 the firm has $184,979,489 in discretionary assets under management. Optimum Market Portfolios Program (OMP) OMP offers clients the ability to participate in a professionally managed asset allocation program using Optimum Funds Class I shares. Under OMP, client will authorize LPL on a discretionary basis to purchase and sell Optimum Funds pursuant to investment objectives chosen by the client. Advisor will assist the client in determining the suitability of OMP for the client and assist the client in setting an appropriate investment objective. Advisor will have discretion to select a mutual fund asset allocation portfolio designed by LPL consistent with the client’s investment objective. LPL will have discretion to purchase and sell Optimum Funds pursuant to the portfolio selected for the client. LPL will also have authority to rebalance the account. A minimum account value of $10,000 is required for OMP. Personal Wealth Portfolios Program (PWP) PWP offers clients an asset management account using asset allocation model portfolios designed by LPL. Advisor will have discretion for selecting the asset allocation model portfolio based on client’s investment objective. Advisor will also have discretion for selecting third party money managers (PWP Advisors) or mutual funds within each asset class of the model portfolio. LPL will act as the overlay portfolio manager on all PWP accounts and will be authorized to purchase and sell on a discretionary basis mutual funds and equity and fixed income securities. A minimum account value of $250,000 is required for PWP. Model Wealth Portfolios Program (MWP) MWP offers clients a professionally managed mutual funds asset allocation program. WJ Wealth Management investment advisor representatives will obtain the necessary financial data from the client; assist the client in determining the suitability of the MWP program and assist the client in setting an appropriate investment objective. The Advisor will initiate the steps necessary to open an MWP account and have discretion to select a model portfolio designed by LPL’s Research Department consistent with the client’s stated investment objective. LPL’s Research Department is responsible for selecting the mutual funds within a model portfolio and for making changes to the mutual funds selected. 7 | P a g e The client will authorize LPL to act on a discretionary basis to purchase and sell mutual funds (including in certain circumstances exchange traded funds) and to liquidate previously purchased securities. The client will also authorize LPL to effect rebalancing for MWP accounts. The MWP platform does make available model portfolios designed by strategists other than LPL’s Research Department. This includes the Guidance Model portfolios which are personally managed by the Principals of WJ Wealth Management using Exchange Traded Funds (ETF’s). If such models are made available, Advisor will have discretion to choose among the available models designed by LPL and outside strategists and/or WJ Wealth Management. A minimum account value of $25,000 is required for MWP / Advisor Sleeve.