Description of Firm Wildes Financial Strategies, Inc. is a registered investment adviser based in Georgetown, South Carolina. We are organized as a corporation under the laws of the State of South Carolina, and we have been providing investment advisory services since October 2017. Jeffrey D. Wildes is our firm's owner, President, and Chief Compliance Officer. As used in this Brochure, the words "we," "our," and "us" refer to Wildes Financial Strategies, Inc. and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person in this Brochure. Our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. Wrap Fee Program - Portfolio Management Services We offer portfolio management services through a wrap-fee program ("Program") as described in this Wrap Fee Program Brochure. We are the sponsor and investment adviser for the Program, and the portfolio manager is our firm and same individuals within our firm. A wrap-fee program is a type of investment program that provides clients with asset management and brokerage services for one all- inclusive fee. At our discretion, we will provide complimentary financial planning and consulting services to clients participating in the Program. Prior to becoming a client under the Program, you will be required to enter into a separate written agreement with us that sets forth the terms and conditions of the engagement and describes the scope of the services to be provided, and the fees to be paid. If you participate in our wrap fee program, you will pay our firm a single fee, which includes money management fees, certain transaction costs, and certain custodial and administrative costs. You are not charged separate fees for the respective components of the total services. We receive a portion of the wrap fee for our services. The overall cost you will incur if you participate in our wrap fee program may be higher or lower than you might incur by separately purchasing the types of securities available. Wildes Financial Strategies pays Schwab transaction costs for each executed trade in wrap fee accounts. As a result, we have a financial incentive to limit orders for wrap fee accounts because trades increase our transaction costs. Thus, an incentive exists to trade less frequently in a wrap program. As part of the Program, we also provide discretionary management services to certain held-away assets that primarily consist of retirement accounts, such as a 401(k) account. These services are provided on an unaffiliated third-party web-based platform where clients will go through a one-time setup process enabling our firm to make any necessary trades or rebalancing to their portfolios. Under no circumstances will we possess privileges that would impute custody to our firm under applicable rules and regulations, including, but not limited to: maintaining your account log-in credentials on file; having the ability to change your address on record or ability to authorize distributions from your accounts; or authorization to open any new accounts on your behalf through the web-based platform. Unless we agree to invoice you directly, these arrangements require clients to have a taxable account with a qualified custodian where our advisory fees will be deducted from. Client Investment Process We offer discretionary portfolio management services tailored to meet our clients' needs and investment objectives. If you participate in our discretionary portfolio management services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the number of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and the appropriate trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing. This Program allows you to choose an investment option that employs a model portfolio allocation developed by our firm that is diversified among investment styles and/or asset classes. We will use the information we gather to develop a strategy that enables our firm to customize an investment portfolio for you in accordance with your risk tolerance and investment objectives. Once we construct an investment portfolio for you, we will monitor your portfolio's performance and re-balance your investments as required by changes in market conditions and in your financial circumstances. Assets for program accounts are held at Charles Schwab & Co, Inc. and Raymond James & Associates ("Custodians"). The Custodians also act as the executing broker/dealer for transactions placed in Program accounts, and provide other administrative services as described throughout this Brochure. To compare the cost of the wrap fee program with non-wrap fee portfolio management services, you should consider the frequency of trading activity associated with our investment strategies and the brokerage commissions charged by respective broker-dealer/custodian and the advisory fees charged by our firm in comparison to other registered investment advisers. Changes in Your Financial Circumstances In providing the contracted services, we are not required to verify any information we receive from you or from your other professionals (e.g., attorney, accountant, etc.) and we are expressly authorized to rely on the information you provide. Furthermore, unless you indicate to the contrary, we shall assume that there are no restrictions on our services, other than to manage your account in accordance with your designated investment objectives, risk tolerance, and time horizon (collectively, "investment parameters"). It is your responsibility to promptly notify us if there are ever any changes in your financial situation or investment parameters for the purpose of reviewing, evaluating, and/or revising our previous recommendations and services. The Program Fee We charge an annual "wrap-fee" for participation in the Program where you will pay our firm a single fee, which includes money management fees and transaction costs. As of the date of this Brochure our firm absorbs any custodial and/or administrative fees imposed by the acting broker- dealers/custodians. However, it is possible that the acting broker-dealer/custodian imposes newly added custodial/administrative fees after the inception of our advisory engagement. In such event, our firm will review the newly imposed custodial/administrative fee and adopt a policy, which will be disclosed to all clients, as to whether such fee(s) will be absorbed by our firm as part of the Wrap Fee Program. In special circumstances, and in our sole discretion, we may negotiate a lesser management fee based upon certain criteria (i.e., anticipated future earning capacity, dollar amount of assets to be managed, related accounts, account composition, pre-existing client relationship, account retention, etc.). Our fee for portfolio management services is based on a percentage of your assets we manage. The fee arrangement is set forth in the following blended tiered-fee schedule*: Assets Under Management Maximum Annual Fee $0 - $100,000 1.75% $100,001 - $500,000 1.50% $500,001 - $1,000,000 1.35% $1,000,001 - $2,500,000 1.25% $2,500,001 - $5,000,000 1.00% $5,000,001 - $10,000,000 0.90% $10,000,001 and Above 0.80% *For example, the applicable management fee for a client with $1,500,000 would be as follows: the first $100,000 would be billed at an annual rate of 1.75%; the next $400,000 would be billed at an annual rate of 1.50%; the next $500,000 would be billed at 1.35%; and the remaining $500,000 would be billed at an annual rate of 1.25%. The annual fee is billed in quarterly installments in advance based on the account balance at end of billing period. If the Investment Advisory Agreement is executed at any time other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the quarter for which you are a client. In our sole discretion, we may negotiate other fee arrangements. As a client, you should be aware that the wrap fee charged by our firm may be higher (or lower) than those charged by others in the industry, and that it may be possible to obtain the same or similar services from other firms at lower (or higher) rates. A client may be able to obtain some or all of the types of services available through our firm's wrap fee program on an individual basis through other firms and, depending on the circumstances, the aggregate of any separately paid fees may be lower or higher than the annual fees shown above. At our discretion, we may combine the account values of family members living in the same household to determine the applicable advisory fee. For example, we may combine account values for you and your minor children, joint accounts with your spouse, and other types of related accounts. Combining account values may increase the asset total, which may result in your paying a reduced advisory fee based on the available breakpoints in our fee schedule stated above. Deposit / Withdrawal of Assets If cash or securities, or a combination thereof, amounting to at least $100,000 are deposited to or withdrawn from an existing account held at your acting qualified custodian on an individual business day in the first two months of the calendar quarter, we will: (i) assess Management Fees to the deposited assets based on the value of the assets on the date of deposit for the pro rata number of days remaining in the calendar quarter; or, (ii) refund prepaid Management Fees based on the value of the assets on the date of withdrawal for the pro rata number of days remaining in the calendar quarter. No additional fees or adjustments to previously assessed Management Fees will be made in connection with deposits or withdrawals that occur during the last month of the calendar quarter unless requested by you. Notwithstanding the above, we reserve the right, in our sole discretion, to process or not process fee adjustments, as applicable, when the source and destination of deposits and withdrawals involve your other fee-based Portfolio(s). You may withdraw account assets on notice to our firm, and subject to the usual and customary securities settlement procedures. However, we design our portfolios as long-term investments and asset withdrawals may impair the achievement of your specific investment objectives. Payment of Fees We will deduct our fee directly from your account through the qualified custodian holding your funds and securities. We will deduct our advisory fee only when the following requirements are met:
• You provide our firm with written authorization permitting the fees to be paid directly from your account held by the qualified custodian.
• The qualified custodian agrees to send you a statement, at least quarterly, indicating all amounts dispersed from your account including the amount of the advisory fee paid directly to our firm. We encourage you to review the statement(s) you receive from the qualified custodian. If you find any inconsistent information in the statement(s) you receive from the qualified custodian, please call our main office number located on the cover page of this Brochure. Termination of Advisory Relationship You may terminate the Investment Advisory Agreement upon 7 days written notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the Investment Advisory Agreement, which means you will incur advisory fees only in proportion to the number of days in the quarter for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated refund of those fees. Upon termination of accounts held at the Custodians, they will deliver securities and funds held in the account per your instructions unless you request that the account be liquidated. After the Investment Advisory Agreement has been terminated, transactions are processed at the prevailing brokerage rates/fees. You become responsible for monitoring your own assets and our firm has no further obligation to act upon or to provide advice with respect to those assets. Wrap Fee Program Disclosures
• The benefits under a wrap fee program depend, in part, upon the size of the Account, the management fee charged, and the number of transactions likely to be generated in the Account. For example, a wrap fee program may not be suitable for Accounts with little trading activity. In order to evaluate whether a wrap fee program is suitable for you, you should compare the Program Fee and any other costs of the Program with the amounts that would be charged by other advisers, broker-dealers, and custodians, for advisory fees, brokerage and other execution costs, and custodial services comparable to those provided under the Program.
• In considering the investment programs described in this Brochure, you should be aware that participating in a wrap fee program may cost more or less than the cost of purchasing advisory, brokerage, and custodial services separately from other advisers or broker-dealers.
• Our firm and Associated Persons receive compensation as a result of your participation in the Program. This compensation may be more than the amount our firm or the Associated Persons would receive if you paid separately for investment advice, brokerage, and other services. Accordingly, a conflict of interest exists because our firm and our Associated Persons have a financial incentive to recommend the Program.
• Similar advisory services may be available from other registered investment advisers for lower fees. Additional Fees And Expenses The Program

Fee includes the costs of brokerage commissions for transactions executed through the Qualified Custodian, costs associated with exchanging currencies, wire transfer fees, or other fees required by law or imposed by third parties. The Account will be responsible for these additional fees and expenses. The Program Fee does not include mark-ups and mark-downs, dealer spreads or other costs associated with the purchase or sale of securities, interest, taxes, or other costs, such as national securities exchange fees, charges for transactions not executed through the Qualified Custodian. The wrap program fees that you pay to our firm for portfolio management services are separate and distinct from the fees and expenses charged by mutual funds or exchange traded funds (described in each fund's prospectus) to their shareholders. These fees will generally include a management fee and other fund expenses. To fully understand the total cost you will incur, you should review all the fees charged by mutual funds, exchange traded funds, our firm, and others. While the following items and their associated fees may not be applicable to your individual circumstances, the following list includes fees that are separate and apart from the Program fee we charge for the wrap program:
• Costs associated with exchanging currencies;
• Regulatory Transaction Fees ("RT Fee") or other fees required by law;
• Fees charged by Mutual Funds/Exchange Traded Funds (ETFs);
• Custodial Fees;
• Separately Managed Accounts (SMAs);
• Deferred sales charges (on Mutual funds or annuities);
• Foreign Exchange transactions;
• Check reorders and overnight check requests;
• Wire transfer and electronic fund processing fees.
• To the extent we are providing management services to held-away assets (such as a 401(k) account), 529 plans, or annuities (fee paying arrangements with certain annuities may differ from our Program fee payment arrangement), there could be annual account fees, short-term redemption fees, or other fees imposed by unaffiliated third parties where we do not have the ability to directly absorb the fee. Your account will be responsible for these fees as they are not covered by our Program fee. If you have any questions about fees that your account might be responsible for that are in addition to our Program fee, please contact us at 843-485-4371. We may trade client accounts on margin. Each client must sign a separate margin agreement before margin is extended to that client account. Fees for advice and execution on these securities are based on the total asset value of the account, which includes the value of the securities purchased on margin. While a negative amount may show on a client's statement for the margined security as the result of a lower net market value, the amount of the fee is based on the absolute market value. This creates a conflict of interest where we have an incentive to encourage the use of margin to create a higher market value and therefore receive a higher fee. The use of margin may also result in interest charges in addition to all other fees and expenses associated with the security involved. Brokerage Practices If you participate in the Program, you will be required to establish an account with Charles Schwab & Co, Inc. ("Schwab") and/or Raymond James & Associates (RJA) and/or registered broker-dealers, members SIPC, as the qualified custodians. If you do not direct our firm to execute transactions through Schwab or RJA, we reserve the right to not accept your account. Not all advisers require their clients to direct brokerage. Since you are required to use Schwab or RJA, we may be unable to achieve the most favorable execution of your transactions. We believe that Schwab and RJA provide quality execution services based on several factors, including, but not limited to, the ability to provide professional services, reputation, experience and financial stability. Evaluation of custodial relationships is based on many factors, including the level of services provided, the custodian’s financial stability, and the cost of services provided by the custodian to our clients, which includes the yield on cash sweep choices, commissions, custody fees and other fees or expenses. Research and Other Soft Dollar Benefits We do not have any soft dollar arrangements. Economic Benefits As a registered investment adviser, we have access to the institutional platform of your account custodian. As such, we will also have access to research products and services from your account custodian and/or other brokerage firms. These products may include financial publications, information about particular companies and industries, research software, and other products or services that provide lawful and appropriate assistance to our firm in the performance of our investment decision- making responsibilities. Such research products and services are provided to all investment advisers that utilize the institutional services platforms of these firms, and are not considered to be paid for with soft dollars. However, you should be aware that the commissions charged by a particular broker for a particular transaction or set of transactions may be greater than the amounts another broker who did not provide research services or products might charge. The custodian and brokers we use We do not maintain custody of your assets that we manage, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account. Your assets must be maintained in an account at a “qualified custodian,” generally a broker-dealer or bank. We require that our clients use Schwab or RJA, registered broker-dealers, members SIPC, as the qualified custodians. We are independently owned and operated and are not affiliated with Schwab or RJA. Schwab or RJA will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we require that you use Schwab or RJA as custodian/broker, you will decide whether to do so and will open your account with Schwab or RJA by entering into an account agreement directly with them. Conflicts of interest associated with this arrangement are described below as well as in the ADV Part 2A Item 14 (Client referrals and other compensation). You should consider these conflicts of interest when selecting your custodian. How we select brokers/custodians We seek to use Schwab or RJA, a custodian/broker that will hold your assets and execute transactions. When considering whether the terms that Schwab or RJA provides are, overall, most advantageous to you when compared with other available providers and their services, we take into account a wide range of factors, including:
• Combination of transaction execution services and asset custody services (generally without a separate fee for custody)
• Capability to execute, clear, and settle trades (buy and sell securities for your account)
• Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.)
• Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds [ETFs], etc.)
• Availability of investment research and tools that assist us in making investment decisions
• Quality of services
• Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices
• Reputation, financial strength, security, and stability
• Prior service to us and our clients
• Services delivered or paid for by RJA or Schwab
• Availability of other products and services that benefit us Your brokerage and custody costs For our clients’ accounts that Schwab or RJA maintain, Schwab or RJA generally does not charge you separately for custody services. Certain trades (for example, many mutual funds and ETFs) may not incur commissions or transaction fees. Schwab and RJA is also compensated by earning interest on the uninvested cash in your account in the cash sweep programs. We are not required to select the broker or dealer that charges the lowest transaction cost, even if that broker provides execution quality comparable to other brokers or dealers. Although we are not required to execute all trades through Schwab, we have determined that having Schwab execute most trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above (see “How we select brokers/custodians”). By using another broker or dealer you may pay lower transaction costs. Products and services available to us Schwab Advisor Services ™ is Schwab’s business serving independent investment advisory firms like us. They provide us and our clients with access to their institutional brokerage services (trading, custody, reporting and related services), many of which are not typically available to Schwab retail customers. However, certain retail investors may be able to get institutional brokerage services from Schwab without going through us. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. Following is a more detailed description of Schwab’s support services: Services that benefit you Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. Services that do not directly benefit you Schwab also makes available to us other products and services that benefit us but do not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts and operating our firm. They include investment research, both Schwab’s own and that of third parties. We use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that:
• Provide access to client account data (such as duplicate trade confirmations and account statements;
• Facilitate trade execution and allocate aggregated trade orders for multiple client accounts;
• Provide pricing and other market data;
• Facilitate payment of our fees from our clients’ accounts; and
• Assist with back-office functions, recordkeeping, and client reporting. Services that generally benefit only us Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include:
• Educational conferences and events
• Consulting on technology and business needs
• Consulting on legal and related compliance needs
• Publications and conferences on practice management and business succession
• Access to employee benefits providers, human capital consultants, and insurance providers
• Marketing consulting and support Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. Schwab also discounts or waives its fees for some of these services or pays all or a part of a third party’s fees. Schwab also provides us with other benefits, such as occasional business entertainment of our personnel. If you did not maintain your account with Schwab, we would be required to pay for these services from our own resources. Our Interest in Schwab’s Services The availability of these services from Schwab benefits us because we do not have to produce or purchase them. We don’t have to pay for Schwab’s services. The fact that we receive these benefits from Schwab is an incentive for us to require the use of Schwab rather than making such a decision based exclusively on your interest in receiving the best value in custody services and the most favorable execution of your transactions. This is a conflict of interest. We believe, however, that taken in the aggregate, our recommendation of Schwab as custodian and broker is in the best interests of our clients. Our selection is primarily supported by the scope, quality, and price of Schwab’s services (see “How we select brokers/ custodians”) and not Schwab’s services that benefit only us. Brokerage for Client Referrals We do not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. Mutual Fund Share Classes Mutual funds are sold with different share classes, which carry different cost structures. Each available share class is described in the mutual fund's prospectus. When we purchase, or recommend the purchase of, mutual funds for a client, we select the share class that is deemed to be in the client’s best interest, taking into consideration the availability of advisory, institutional or retirement plan share classes, initial and ongoing share class costs, transaction costs (if any), tax implications, cost basis and other factors. We also review the mutual funds held in accounts that come under our management to determine whether a more beneficial share class is available, considering cost, tax implications, and the impact of contingent or deferred sales charges. Assets Under Management As of February 29, 2024, we provide continuous management services for $105,397,018 in client assets on a discretionary basis. We do not have any client assets on a non-discretionary basis.