Firm Information No Fate BWWM, LLC (“NFWM”) was organized in 2020 as a Texas limited liability company; the single managing member, John O. Hetzel has over 20 years of experience in the financial services industry. This disclosure brochure provides information regarding the qualifications, business practices and details of the advisory services and the applicable fees. NFWM has entered into a sub-advisory agreement with sK Advisors Network, LLC for the management of client accounts. From time to time, clients may hold securities for which NFWM does not recommend buy or sell transactions; however, due to either capital gains considerations, or the client’s instructions, the client may choose to hold the security and to have it considered in the client’s overall portfolio allocation. In these cases, Advisor will attempt to identify which category the security is most appropriately allocated to and will then consider it as part of that category when analyzing the client’s overall portfolio allocation and rebalancing needs. Principal Owners John O. Hetzel, CFA, CFP®, AIFA® (CRD No. 4147688) serves as the President, Wealth Advisor and Chief Compliance Officer. In addition to his industry experience and professional designation that are further detailed in his individual disclosure brochure (beginning on page 30), Mr. Hetzel has an MBA in Finance from Southern Methodist University – Cox School of Business and a BS in Engineering – Industrial Distribution from Texas A&M University. Mr. Hetzel is also the controlling managing member of sK Advisor Network, an SEC registered investment advisor organized in Texas to serve as a collective of multiple smaller RIAs that together can achieve greater industry scale and shared services. Advisory Services Offered NFWM provides fee-based investment advisory services primarily to individual Clients and high-net worth individuals. Services are also available to businesses and financial institutions. Accounts are managed based on the individual goals, objectives, time horizon, and risk tolerance of each Client. Assets are managed on a discretionary or non-discretionary basis, as selected on the written asset management agreement.
• Discretionary Authority – Client grants NFWM ongoing and continuous discretionary authority to execute its investment recommendations without the Client's prior approval of each specific transaction. Under this authority, Client shall allow NFWM to purchase and sell securities and instruments in this Account(s), arrange for delivery and payment in connection with the foregoing, select and retain sub- advisors, and act on behalf of the Client in all matters necessary or incidental.
• Non-Discretionary Authority – NFWM will not execute any investment recommendations without Client’s prior approval (verbal or written). Investment 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 Investment Advisor Representatives that are working with the Client. Investment Advisor Representatives will consider the individual needs of each Client when providing investment advice. Investment strategies and recommendations are tailored to the individual needs of each Client but generally consist of an asset allocation consistent with: 1. Income with Capital Preservation. Designed as a longer-term accumulation account, this investment objective is considered generally the most conservative. Emphasis is placed on generation of current income with minimal risk of capital loss. Lowering the risk generally means lowering the potential income and overall return. 2. Income with Moderate Growth. This investment objective emphasizes generation of current income with a secondary focus on moderate capital growth. 3. Growth with Income. This investment objective emphasizes modest capital growth with some focus on generation of current income. 4. Growth. This investment objective emphasizes achieving high long-term growth and capital appreciation. There is little focus on generation

of current income. 5. Aggressive Growth. This investment objective emphasizes aggressive growth and maximum capital appreciation, with no focus on generation of current income. This objective has a very high level of risk and is for investors with a longer timer horizon. At no time will NFWM accept or maintain custody of a Client’s funds or securities. All Client assets will be managed within their designated brokerage account with a qualified custodian, pursuant to the Client investment advisory agreement on a discretionary or non-discretionary basis.
• Investment advice is not limited to certain investment types.
• A minimum total investment amount of $500,000 is generally required but, a lesser amount will be considered.
• Advisory services are tailored to the individual need of each Client.
• Clients may place reasonable restrictions on investing in certain types of securities. Wrap Fee Program NFWM is the sponsor of a wrap fee program. A wrap fee program includes securities transaction fees together with its investment advisory fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own transaction fees. Please see Appendix 1 –Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. Retirement Plan Rollovers When NFWM provides investment advice regarding retirement plan accounts or individual retirement accounts, the firm is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (ERISA) and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way NFWM makes money creates a conflict of interest; however, NFWM is required to act in a client’s best interest. More specifically, NFWM must meet a professional standard of care when making investment recommendations (give prudent advice); never put the firm’s financial interests ahead of a client’s interest (give loyal advice); and, avoid misleading statements. Client Account Management Prior to engaging NFWM to provide investment advisory services, each Client is required to enter into an investment advisory agreement that defines the terms, conditions, authority, and responsibilities. Assets Under Management Assets under management will be amended at least annually. Assets under Management (03/25/2024) Discretionary $96,625,795 Non-Discretionary $8,812,595 Total $105,438,390 Financial Planning Services NFWM, through its Investment Advisor Representatives, generally provides financial planning as part of a comprehensive asset management engagement. Examples of the type of planning available include the following:
• College / Education – Planning to pay the future college/education expenses of a child or grandchild.
• Divorce or Separation Planning – Planning for the financial impact of divorce or separation such as change in income, retirement benefits and tax considerations. Providing alternatives to collaborative divorce attorneys to reapportion joint assets.
• Estate Planning – Planning that focuses on the most efficient and tax-friendly option to pass on an Disclosure Brochure estate to a spouse, other family members or a charity.
• Insurance Needs – Planning for the financial needs of survivors to satisfy such financial obligations as housing, dependent child-care and spousal arrangements as well as education.
• Investment Planning – Planning an investment strategy consistent with particular objectives, time horizons and risk tolerances.
• Retirement – Planning an investment strategy to provide inflation-adjusted income for life.
• Personal –Debt management, personal liability, estate planning and financial goals.
• Tax and Cash Flow – Income tax and spending analysis and planning for past, current and future years. The impact of various investments on the client’s current income tax and future tax liability can be illustrated. Hourly Consulting Services NFWM does not provide services on an hourly basis.