Description of the Firm Oxford Wealth Group, LLC ("Oxford Wealth"), is a Limited Liability Company founded in 2022 with its principal place of business in Florida and is equally owned by Samuel J. Dixon and Christopher J. Dixon. Oxford Wealth is a financial services firm which helps individuals, high net worth individuals, corporations, trusts, and estates create investment strategies suitable for their goals and objectives using a variety of investment and insurance products. Description of Services Offered Retirement Income Strategies / Investment Advisory / Portfolio Management Services Our firm offers continuous and ongoing investment advice and portfolio management services. Investment planning is designed to provide a retirement roadmap of income and expenses over the client's life. Our advice and services are tailored to meet our client's individual needs, life circumstances and investment goals. We conduct an introductory meeting with each client, and then utilize subsequent meetings, as necessary, (in person, telephone, or video conference, or via email) in order to understand their current financial situation, existing resources, financial goals, investment objectives, risk tolerance, time horizons and liquidity needs. The primary investment management service we provide is a discretionary asset management program. Clients participating in this program are generally placed in a model overseen by a financial professional at our firm and sub-advised by a third-party investment adviser (“model portfolio program”). Under this program, Oxford Wealth and any sub-advisers we hire to manage the assets in your account are authorized to buy and sell investments in the account without asking you in advance. We will monitor the portfolio's performance on an ongoing and continuous basis, unless otherwise agreed, and will make adjustments and reallocations as necessary due to changes in market conditions and your unique circumstances. Clients have the ability to impose reasonable restrictions and guidelines on investing in certain securities, types of securities or industry sectors. We expect all such restrictions to be timely communicated to us. Portfolios which restrict a significant number of investments, including entire sectors and/or industries, may impact our ability to act on potential investment opportunities which could result in performance for your account that is different from similar accounts without such restrictions. Clients must inform us of any changes to their financial circumstances, investment objectives or risk tolerance, or of any modifications or restrictions that are imposed on the management of the client's account. In this manner, our firm can manage our client’s portfolios properly and better serve their clients' needs. On a case-by-case basis, we may also agree to provide non-discretionary asset management services where appropriate. For these services, we will receive a limited power of attorney which will give us the ability to effect securities transactions only on your behalf and we will continue to make investment recommendations based on your individualized investment strategy. However, unlike discretionary accounts, we would first be required to obtain your approval before executing transactions. Requests for approval will be communicated via electronic mail to an authorized account or via a telephone call to an authorized phone number. The client will be responsible for responding in a timely manner. Our services encompass asset management designed to assist clients in meeting their retirement financial goals using financial investments. We explore different types of investment options and strategies in the design of a client’s portfolio. Our investment recommendations are not limited by any specific product or service. Below is a list of commonly recommended investment vehicles.
• Exchange listed securities and over the counter traded securities
• Mutual funds
• Exchange-traded fund shares
• Commodities
• Separate accounts; and
• Money market funds and other cash instruments We will also provide advice regarding the following security types:
• Certificates of deposit
• Corporate debt securities
• Municipal securities
• U.S. governmental securities Each type of security has its own unique set of risks associated with it, and it would not be possible to list all the specific risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with it. Please see Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss for additional information related to risks associated with investing in securities through our advisory services. Because some types of investments involve certain additional degrees of risk, they will only be recommended and implemented when the investment is deemed to be suitable based on the client's risk tolerance and investment objectives. Financial Planning and Financial Consulting Services Our financial planning services typically include a written financial plan that is designed to help you achieve your financial goals and investment objectives. The preparation of such a plan may necessitate that you provide us with personal data such as family records, budgeting, personal liability, estate information and additional financial goals. The financial plan may include

any or all of the following: asset protection, tax planning, business succession, strategies for exercising stock options, cash flow, education planning, estate planning and wealth transfer, charitable gifting, long- term care and disability planning, retirement planning, insurance planning, asset allocation comparisons, and risk management. Should you choose to implement the recommendations contained in the plan, we suggest that you work closely with your attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at your discretion. Retirement Plans and Individual Retirement Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Client Assets Under Management As of December 31, 2023, Oxford Wealth has approximately $198,868,022 in assets under management. Information Regarding Potential Conflicts of Interest Although we seek to avoid them, our firm has actual or potential conflicts of interest arising from our advisory services. These include, but are not limited to:
• Conflicts related to allocating time and resources between client accounts, allocation of brokerage commissions and investment opportunities generally. For further information on our brokerage and allocation policies, and related conflicts of interest, please refer to Item 12 – Brokerage Practices below.
• Conflicts related to asset-based fees. At times, our investment professionals will recommend that a client move assets from another investment account to one managed by our firm. This would result in a higher total advisory fee for that investment professional and generate additional revenue for the firm. There is therefore a conflict of interest whenever we encourage clients to move their assets to our firm. For further information, please refer to Item 5- Fees and Compensation which discusses the fees we earn when providing advisory services.
• Conflicts related to one or more of our investment advisor representatives also being licensed as an independent insurance agent through licensed insurance brokers. For further information, please refer to Item 10 – Other Financial Industry Activities and Affiliations below.
• Conflicts related to investing in securities recommended to clients and contemporaneous trading of securities (i.e., personal trading) by the firm and its related persons. Please refer to Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading for further information.
• Conflicts related to third parties. When appropriate, we will recommend third parties to advise a client on matters including but not limited to: legal, tax, or accounting advice. These recommendations are sometimes made because of existing relationships our firm and its employees have with these groups or individuals. We do not currently have any formal solicitor or referral arrangements. We also do not receive any form of compensation for any referrals. Actual or potential conflicts of interest generally can be addressed in several ways, including prohibiting the conduct that gives to the conflict of interest, implementing procedures to prevent a person from gaining or utilizing knowledge that can potentially give rise to a conflict, establishing parameters for conduct that are designed to protect client interests or limit the benefit that creates the conflict of interest, or disclosing the conflict of interest to our clients. Our firm has adopted a Code of Ethics. (Please refer to Item 11 -Code of Ethics, Participation or Interest in Client Transactions and Personal Trading below for further information on our Code of Ethics) and we also have policies and procedures in place to help mitigate and address conflicts of interest. We believe that such policies and procedures are reasonably designed to treat clients equitably and to advance the best interests of our clients. The clients' best interest is paramount in any situation involving a conflict of interest.