Description of Services and Fees (Item 4A) We are a registered investment adviser based in Charlottesville, Virginia. We are organized as a limited liability company under the laws of the State of Virginia and we have been providing investment advisory services since 2005. Alan Bewley is our Managing Member and Owner. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to United Wealth Management and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm, LLC. Also, you may see the term Associated Person or Investment Adviser Representative throughout this brochure. As used in this brochure, our Associated Persons or Investment Adviser Representatives are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. In providing portfolio management, UWM may use Advisor Logistics, a third-party service provider, for certain trading, overlay, and execution services Investment Advisory Services (Item 4B and 4C) Our investment advisory services are made available to to individual clients, trusts, estates, charitable organizations, corporations, and to Plan Participants in United Airlines Pilot Retirement Account Plan. Discretionary Asset Allocation Services We offer discretionary, continuous asset allocation services. Our investment advice is tailored to meet our clients' needs and investment objectives. If you retain our firm for asset allocation services, we will confer with you to determine your investment objectives, risk tolerance, and other relevant information (the "suitability information") at the beginning of our advisory relationship. We will use the suitability information we gather to develop a strategy that enables our firm to make investments on your behalf. As part of our asset allocation services, we will ordinarily invest your assets based on your risk tolerance and investment objectives in one or more model portfolios developed by our firm. Otherwise, we will customize an investment portfolio for you in accordance with your risk tolerance and investment objectives. Once we construct an investment portfolio for you, or select a model portfolio, we will review your portfolio's performance on an annual basis, and will rebalance the portfolio as required by changes in

market conditions and in your financial circumstances. If you participate in our asset allocation services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your prior approval. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm or trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. Financial Planning Services We offer broad-based financial planning services. Financial planning will typically involve providing a variety of advisory services to you regarding the management of your financial resources based upon an analysis of your individual needs. If you retain our firm for financial planning services, we will confer with you to gather information about your financial circumstances and objectives. Once we review and analyze the information you provide, we will deliver a written plan to you, designed to help you achieve your stated financial goals and objectives. Our financial planning services may include, but are not limited to, retirement planning, estate planning, and risk management. Financial plans are based on your financial situation at the time we prepare the plan and on the financial information you provide. You must promptly notify us if your financial situation, goals, objectives, or needs change. You have the right to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm. Types of Investments (Item 4B) We primarily recommend mutual funds, including no-load funds, and exchange traded funds; however, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing. Assets Under Management (Item 4E) We manage $ 193,106,000 in client assets on a continuous discretionary basis as of December 2022.