Cove Wealth Management offers a variety of advisory services, which include investment management supported by financial planning, and wealth coordination services with a proprietary process designed to mitigate information overload and create clarity. Prior to CWM providing any advisory service, clients must complete written contracts with CWM setting forth an advisory relationship (“Advisory Agreement”). CWM is owned by Cory & Sarah Mizell and Malcolm Morris. As of December 31, 2023, CWM had $150,898,515 in total assets under management all on a discretionary basis. While this brochure generally describes the business of Cove Wealth Management, certain sections also discuss the activities of its Supervised Persons, which refer to CWM’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on the Advisor’s behalf and are subject to CWM’s supervision or control. CWM provides fee-only investment management supported by financial planning, and advice characterized by excellence for the purpose of creating meaningful impact for our clients and the communities in which we operate. We measure impact by meeting the goal that every family we serve will be able to articulate their driving values, priority relationships, and one part of life for which they are grateful. As fiduciaries, we are obligated to act in the best interests of our clients. Financial Planning and Investment Management Services CWM offers clients fee-only investment management services which include any or all of the following:
• Overview of Client’s Financial Situation
• Long-Term Financial Projections and Scenarios
• Retirement Planning
• Trust and Estate Planning
• Charitable Giving Strategy and Execution
• Tax Strategy and Planning
• Continuity Planning
• Family Education
• Risk Management
• Insurance Review and Planning Services are provided in conjunction with ongoing investment management. Clients are advised that a conflict of interest exists for CWM to recommend that clients engage CWM or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients are under no obligation to act upon any of the recommendations made by CWM under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify CWM of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Advisors’ recommendations and/or services. We tailor our advisory services to the unique needs of our clients by initially gathering client details and priorities.

We gather data, including risk tolerance, and create a customized Investment Policy Statement (IPS). The IPS sets investment parameters that guide us as we make decisions about each client’s portfolio. As Investment Managers, CWM primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities (stocks and bonds), and additional outside independent investment managers as needed in accordance with stated investment objectives. CWM consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, cash constraints and other related factors relevant to the management of their portfolios. Clients can engage CWM to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, CWM directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Wealth Coordination Services CWM provides clients with Wealth Coordination Services (WCS) which include a broad range of financial planning and consulting services as well as management of investment portfolios. In Wealth Coordination, we collaborate with professionals in a range of industries to support families with a net worth between $20 million and $500 million. Professional collaborations are a key component of Wealth Coordination Services, which are billed as a flat fee negotiated between CWM and the client and are separate from the fee for Investment Management. Clients engage and pay professional collaborators directly for services rendered. Use of Independent Managers CWM selects certain Independent Managers to actively manage a portion of its clients’ assets when that manager is deemed appropriate for a portion of a client’s portfolio. There is a separate written agreement with the designated Independent Manager. That agreement can be between CWM and the Independent Manager (often called a subadvisor) or the client and the Independent Manager (sometimes called a separate account manager). In addition to this brochure, clients will typically also receive the written disclosure documents of any Independent Managers engaged to manage their assets. CWM continues to provide services relative to the discretionary or non- discretionary selection of the Independent Managers. On an ongoing basis, CWM monitors the performance of those accounts being managed by Independent Managers.