Firm Description Nova Wealth Management, Inc. (“NWM”) was founded in 2012 and began offering investment advisory services in 2013. James P. Novakovich, III and Amy C. Novakovich are co-owners. NWM provides personalized confidential financial planning and investment management to primarily individuals, high net worth individuals, small businesses and corporations. 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 legacy planning. NWM is a fee based financial planning and investment management firm. Certain investment advisor representatives of NWM also sell annuities and insurance products for a separate yet typical commission. NWM does not act as a custodian of client assets. An evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement, risk analysis or similar document. 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 and may charge fees of their own. Conflicts of interest will be disclosed to the client in the event they should occur. Types of Advisory Services NWM provides investment supervisory services, also known as asset management services and furnishes financial planning and investment advice through consultations. ASSET MANAGEMENT NWM offers discretionary direct asset management services to advisory clients. NWM 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 NWM discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. MANAGEMENT SERVICES FOR HELD-AWAY ASSETS – PONTERA NWM will be offering management services for held-away assets through Pontera. We provide an additional service for accounts not directly held in our custody, but where we do have discretion, and may leverage an Order Management System to implement tax- efficient asset location and opportunistic rebalance strategies on behalf of the client. These are primarily 401(k) accounts, HSA’s, and other assets we do not custody. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. RETIREMENT PLAN CONSULTING SERVICES NWM offers consulting services to retirement plan sponsors in some or all of the following areas as agreed upon between the plan sponsor and NWM in the written consulting services agreement.
• Service Provider Liaison – act as a liaison between the plan and its service providers, product sponsors and vendors based solely on the instructions from the plan on investment and administrative matters. NWM will not exercise judgment or discretion with regard to these matters
• Investment Monitoring – perform ongoing monitoring of investments and/or investment managers based on written guidance provided by the plan
• Investment Recommendations – recommend specific investments for plan sponsor to consider within the plan or to make available to plan participants (if applicable), and/or recommend replacement investments if an existing investment is deemed no longer suitable by the plan sponsor. All decisions regarding investment options to be made available to plan participants for purchase are the responsibility of the plan sponsor
• 404(c) Assistance – assist plan in identifying investment options under the “broad range” requirement of ERISA 404(c)
• Qualified Default Investment Alternative (QDIA) Assistance – assist client in identifying an investment alternative

within the definition of QDIA under ERISA
• Education Services to Plan Sponsor – provide training to members of the plan sponsor or any investment committee with regard to their services, including education with respect to their fiduciary responsibilities
• Participant Enrollment – assist and/or provide resources to assist the plan in enrolling plan participants in the plan, including facilitating agreed upon enrollment meetings and providing participants with information about the plan such as terms and operation of the plan, benefits of plan participation, benefits of increasing plan contributions, and impact of preretirement withdrawals on retirement income
• Participant Education – facilitate individual or group investment education meetings for plan participants providing information about investment options under the plan such as investment objectives and historical performance, explaining investment concepts such as diversification and risk and return, and providing guidance as to how to determine investment time horizon and risk tolerance. This will not include individualized investment advice for a particular participant
• Changes in Investment Options – assist in making changes to investment options under the plan upon the plan sponsor’s direction. NWM will have no discretion over the changes made or be involved in trade execution
• Vendor Analysis – assist plan with the preparation, distribution and evaluation of Requests for Proposals, finalist interview and conversion support
• Benchmarking Services – provide plan with comparisons of plan data such as fees, services, participant enrollment and participant contribution levels to data from the plan’s prior years and/or similar plans
• Fee Assessment – assist plan in identifying fees and other costs incurred by the plan for investment management, recordkeeping, participant education, participant communication and/or other services provided The plan sponsor is responsible for determining whether or not to implement any recommendations provided by NWM. NWM does not take discretion with respect to plan assets and NWM does not provide individualized advice to participants in the plan. FINANCIAL PLANNING AND CONSULTING Financial planning is where you help clients plan for the future. Some examples might be: 1. To solve for a number they wish to have in retirement. This requires developing a savings plan to hit that number along with a portfolio with risk and return estimates 2. To ensure they don’t run out of money by helping with budgeting, cash flow, investment management and/or risk management 3. Planning for a large expense that may be coming in the future 4. Tax planning such as capital gains management or retirement plan contribution maximization. If financial planning services are applicable, the client will compensate NWM on an hourly fee basis 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. 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 effect the transaction through NWM. Financial plans will be completed and delivered inside of sixty (60) days provided NWM has the necessary information from the client. 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 NWM has discontinued their wrap fee program described in Form ADV Part 2, Appendix 1. Any client in the wrap fee as of February 15, 2021 will be grandfathered in. Client Assets under Management As of December 31, 2023, NWM has $ 135440674 .00 under management on a discretionary basis and $ 16729531 .00 under management on a non-discretionary basis.