Description of the Firm Our Wealth Guides, Inc. is a California domiciled corporation formed in March of 2018 for general business purposes and became registered as an investment advisor in August of 2018. We operate under the trade name Village Wealth Advisors. Our firm is not a subsidiary of nor does it control another financial services industry entity. Village Wealth Advisors is registered with the U.S. Securities and Exchange Commission (the “SEC”). Our firm and its associates may register, become licensed or meet certain exemptions to registration and/or licensing in other jurisdictions in which investment advisory business is conducted. Nayivi V. Velez, CFP® is firm President and Chief Compliance Officer (supervisor). Mrs. Velez is also the Managing Member and maintains controlling interest in the firm. Additional information about Nayivi Velez and her background may be found toward the end of this brochure. Description of Services Village Wealth Advisors’ planning services provide clients with advice on key topics such as cash flow and budgeting, funding a college education, retirement, and risk management, estate or tax planning, among others. Ongoing supervision of clients’ portfolios are provided through our portfolio management services. We also offer periodic educational workshops and seminars involving a broad range of planning and investing topics. An initial interview with the client is conducted to discuss their current situation, long-term goals, and the scope of services that may be provided. Prior to or during this first meeting the client will be provided with this Form ADV Part 2 firm brochure that includes a statement involving the firm’s privacy policy, as well as a brochure supplement about your firm representative. Any material conflicts of interest will be disclosed involving the firm and its associates that could be reasonably expected to impair the rendering of unbiased and objective advice; such as information found in Items 10 through 12 of this brochure. If you choose to engage the firm for its services, you must first execute our client agreement. Thereafter discussion and analysis will be conducted to determine your financial needs, goals, holdings, etc. Depending on the scope of the engagement, you may be asked to provide copies of the following documents early in the process:
• Wills, codicils and trusts
• Insurance policies
• Mortgage information
• Student loans
• Credit card information and other forms of revolving debt
• Tax returns
• Divorce decree or separation agreement
• Current financial specifics including W-2s or 1099s
• Information on current retirement plans and benefits provided by your employer
• Statements reflecting current investments in retirement and non-retirement accounts
• Employment or other business agreements you may have in place
• Completed risk profile questionnaires or other forms provided by our firm Page 5 of 33 It is important that the firm is provided with an adequate level of information and supporting documentation throughout the term of the engagement including but not limited to: source of funds, income levels, and an account holder or attorney-in-fact’s authority to act on behalf of the account, among other information that may be necessary for our services. The information and/or financial statements provided need to be accurate. The firm may, but is not obligated to, verify the information that you have provided which will then be used in the advisory process. Financial Planning Your financial plan is customized for your situation, and it may be broad-based or narrowly focused as you desire. The incorporation of most or all of the following components allows not only a thorough analysis but also a tailored plan that is focused on your unique requirements so that we are able to assist you in reaching your goals. Cash Flow Analysis and Debt Management A review of your income and expenses will be conducted to determine your current surplus or deficit. Based upon the results, advice is provided on prioritizing how any surplus should be used, or how to reduce expenses if they exceed your income. Guidance on the prioritization of which debts to repay may be provided, based upon such factors as the debt’s interest rate and any income tax ramifications. Recommendations may also be made regarding the appropriate level of cash reserves for emergencies and other financial goals. These recommendations are based upon a review of cash accounts (such as money market funds) for such reserves and may include strategies to save desired reserve amounts. Risk Management A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”). Employee Benefits A review is conducted, and analysis is made as to whether you, as an employee, are taking maximum advantage of your employee benefits. The firm will offer advice on your employer-sponsored retirement plan and/or stock options, along with other benefits that may be available to you. Personal Retirement Planning Retirement planning services typically include projections of your likelihood of achieving your financial goals, with financial independence usually the primary objective. For situations where projections show less than the desired results, a recommendation may include showing you the impact on those projections by making changes in certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be

given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. Page 6 of 33 Education Planning Advice involving funding an education may include projecting the amount that will be needed to achieve post-secondary goals, along with savings strategies and the “pros-and-cons” of various college savings vehicles that are available. A review of your financial picture as it relates to eligibility for financial aid or ways to contribute to family members’ educations will be offered. Tax Planning Strategies Guidance is available on ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, recommendations may be offered as to which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. The firm recommends that you also consult with your accountant or tax attorney, and contact information for an accountant or an attorney is available if you do not have one on retainer. Estate Planning and Charitable Giving A review typically includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. The firm is available to suggest ways to minimize or avoid estate taxes by implementing appropriate estate planning and charitable giving strategies. You are encouraged to consult with a qualified attorney when you initiate, update, or complete estate planning activities, and contact information for attorneys who specialize in estate planning is available upon request. Divorce Planning Separation or divorce can have a major impact on your goals and plans. We will work with you to help you gain an understanding of your unique situation and provide you with a realistic financial picture so that you are in a better situation to communicate with legal counsel, a mediator or soon to be ex-spouse. The firm can assist in the completion of cash flow and net worth projections, budgetary analysis, as well as help you to understand the financial consequences involving a settlement. Investment Consultation Investment consultation services often involve providing information on the types of investment vehicles available, an investment analysis and strategy, asset selection and portfolio design, as well as limited assistance if your investment account is maintained at another broker/dealer or custodian. The strategies and types of investments that may be recommended are further discussed in Item 8 of this brochure. Broad-Based v. Modular Financial Planning A broad-based plan is an endeavor that requires detail. Certain variables can affect the development of the plan, such as the quality of your own records, complexity and number of current investments, diversity of insurance products and employee benefits you currently hold, size of the potential estate, and special needs of the client or their dependents, among others. At your request, we may concentrate on reviewing only a specific area (modular planning), such as an employer-sponsored retirement plan investment allocation, funding an education or estate planning issues, or evaluating the sufficiency of your current retirement plan. Note that when these services focus only on certain areas of your interest or need, your overall situation or needs may not be fully addressed due to limitations you may have established. Page 7 of 33 Whether our firm has created a broad-based or modular plan, you will be presented with a summary of our recommendation, guidance in the implementation of some or all of them per your decision, as well as offer you periodic reviews thereafter. In all instances involving financial planning engagements, the client retains full discretion over implementation decisions and is free to accept or reject any recommendation. Educational Workshops Our firm provides periodic complimentary educational seminar sessions for those in need of information about personal finance and investing. Topics include issues related to general financial planning, educational funding, estate planning, retirement strategies, implications involving changes in marital status, and various other current economic or investment topics. Our workshops are educational in nature and do not involve the sale of insurance or investment products. Portfolio Management You may engage our firm to implement the investment strategies that have been recommended to you. Investment guidelines will be developed that reflect your objectives, time horizon, tolerance for risk, as well as any reasonable account constraints you may have for your portfolio. For example, you have the right to exclude certain securities (e.g., derivatives, “sin stocks,” etc.) at your discretion. Portfolio guidelines will be designed to be specific enough to provide future guidance while allowing flexibility to work with changing market conditions. Since this effort is the product of information and data you have given to us, you may be asked to review it and provide your final approval. The firm will then develop a customized portfolio for you based on your unique situation that involve the employment of a broad range or more narrowly focused choice of investment vehicles that are discussed in further detail in Item 8 of this brochure. Client portfolios are managed by the firm on either a discretionary or nondiscretionary basis (defined in Item 16). Village Wealth Advisors does not sponsor or serve as a portfolio manager in an investment program involving wrapped (bundled) fees. As of December 31, 2023 we manage approximately $173,034,009 in client assets on a discretionary basis, and no client assets on a non-discretionary basis.