Dyche Wealth Management, Inc. (referred to herein as “Firm,” “we,” and “our”) is an independent investment advisory firm registered with the U.S. Securities and Exchange Commission (“SEC”). The company was formed in 2011 as a corporation in Georgia. Darryl S. Dyche is owns 51% and Peyton Riley owns 49% of the business. For more information about Mr. Dyche or Mr. Riley, please see their brochure supplements (Form ADV Part 2B). DWM provides personalized confidential financial planning, investment management services and advise on privately offered alternative investments. Advice is provided through consultation with the client and may include:  determination of financial objectives;  identification of financial problems;  cash flow management;  tax planning;  insurance review;  investment management;  education funding;  retirement planning; and  estate planning. DWM is a fee based financial planning and investment advisory firm. The Firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products, but the Firm’s managing member is affiliated with entities that sell insurance products and limited partnerships. Investment advice is an integral part of financial planning. In addition, DWM advises clients regarding cash flow, retirement planning, tax planning and estate planning. An evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement, risk analysis, similar document or conversation after an in-depth discussion with the client and a review of their goals, immediate liquidity needs, risk tolerance and current portfolio, amongst other factors. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed. A. Types of Advisory Services: The Firm offers the following types of advisory services. 1. Asset Management DWM offers discretionary and non-discretionary direct asset management services to advisory clients. DWM will offer clients ongoing portfolio management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The client will authorize DWM discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. 2. ERISA Plan Services DWM offers the following services to the Plan and the Plan participants: 1. Fiduciary Services are: a. Provide non-discretionary investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options. b. Assist the Client with the selection of a broad range of investment options consistent with ERISA Section 404(c) and the regulations thereunder. c. Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS. d. Meet with Client on a periodic basis to discuss the reports and the investment recommendations. e. Provide non-discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c)(5). 2. Non-fiduciary Services are: a. Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands DWM’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1) . As such, DWM is not providing fiduciary advice as defined by ERISA to the Plan participants. DWM will not provide investment advice: i. referencing the appropriateness of any individual investment alternative or benefit distribution option; ii. that addresses specific investment products, investment alternative or distribution options; iii. that reference particular investment products or alternatives available under the plan unless (1) it is a designated investment alternative; (2) subject to oversight by a plan fiduciary independent from the person who developed or marketed the alternative, (3) the model identifies all other designated investment alternatives available under the plan with similar risk and return characteristics and (4) the model indicates where information on those investments could be obtained. b. Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding

by the employees. c. Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options. DWM may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between DWM and Client. 3. DWM does not provide advisory services related to the following types of assets (“Excluded Assets”): a. Employer securities; b. Real estate (except for real estate funds or publicly traded REITs); c. Stock brokerage accounts or mutual fund windows; d. Participant loans; e. Non-publicly traded partnership interests; f. Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or g. Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in calculation of Fees paid to DWM under this Agreement. DWM will not have discretion or custody, at any time, of client funds and/or securities. 3. ERISA Plan Consulting ERISA Plan consulting can include individual or combinations of the following and is not limited to:  Review of Investment Lineup to meet asset class exposure;  fund analysis for fees and appropriateness;  alternative investment options;  cost analysis/services rendered; and 4. Financial Planning and Consulting If financial planning services are applicable, the client will compensate DWM on an hourly rate or fixed rate as described in detail under “Fees and Compensation” section of this brochure. Services include, but are not limited to, a thorough review of all applicable topics including Wills, Estate Plan/Trusts, Investments, Taxes, and Insurance. Such reviews do not include legal advice or the drafting of legal documents. If a conflict of interest exists between the interests of the investment advisor and the interests of the client, the client is under no obligation to act upon the investment advisor’s recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through DWM. Financial plans will be completed inside of ninety (90) days from the time the client has provided all the required documents and/or information. Clients may terminate advisory services with thirty (30) days written notice. 5. Alternative Investments DWM may provide investment advice and due diligence about certain privately-issued securities for those clients who represent they are accredited investors and who otherwise meet certain investor standards. To qualify as an accredited investor, you must have a net worth, not including your primary residence of at least $1 million; or have an income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year. DWM will conduct proper due diligence by:  collecting all available information—marketing materials, auditing reports, balance sheets, offering memorandum, subscription agreement;  reviewing historical records and access opportunities and risks for investment now and for the years ahead;  preparing and seeking answers to relevant due diligent questions;  interviewing manager and/or make site visit;  considering the time horizon and the sponsor’s strength over an extended period of time. The above list is not exhaustive. Due diligence will continue throughout the duration of the investment. DWM will meet with the client at least on an annual basis for the duration of the investment. The fees for these services will be based on a percentage of the initial investments detailed in Item 5 of this brochure. DWM may recommend investment in the privately-issued securities of affiliated companies, that is, companies that are under common ownership. This presents a conflict of interest and is discussed in more detail below. 6. Solicitor Fees DWM solicits the services of Third-Party Money Managers to manage client accounts. In such circumstances, DWM receives solicitor fees from the Third-Party Manager. This is detailed in Item 10 of this brochure. 7. Seminars and Workshops DWM holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational in nature and no specific investment or tax advice is given. DWM does not charge a fee for attendance to these seminars. 8. Newsletters DWM prepares and provides newsletters for its clients that are educational in nature and no specific investment or tax advice is given. DWM does not charge a fee for the newsletter. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written client consent. Wrap Fee Programs DWM does not sponsor a wrap fee program. B. Regulatory Assets Under Management As of December 2022, DWM manages $146,230,080 in regulatory assets under management with $146,230,080 of discretionary assets under management and $0 of non- discretionary assets under management.