313928/SEC# 801-121239). In exercising our discretion in making investment decisions for our clients, we may determine that it is in a client’s best interest to engage IPW to implement all or a portion of the client’s account. If Advisor determines that engaging IPW is in a client’s best interest, we will provide the client IPW’s relevant disclosure documents, including Form ADV 2A, privacy policy and any other document necessary to provide a complete description of IPW’s services and fees. As described in IPW’s Form ADV 2A, IPW charges a flat-rate investment advisory fee based on assets under management. IPW bills in arrears (at the end of the billing period) on a monthly basis, and the advisory fee is calculated based on the average daily balance of the Account(s) during the current billing period. IPW’s investment advisory fee will be paid out of the investment advisory fees Client pays to Advisor (described in Section 4, below); Client’s investment advisory fees to Advisor will not increase if Advisor elects to implement all or a portion of Client’s Account(s) through IPW. Advisor is available to answer any questions Client has regarding IPW. AE Wealth Management Through our relationship with IPW, we have access to investment advisory services through AE Wealth Management, LLC (“AEWM”). This arrangement allows us to access model portfolios, model manager, strategists, third party money manager, and trading services. As part of the AEWM program, clients give Abich Financial Wealth Management discretion to select third party, non-affiliated investment managers to design and manage model portfolios for client assets. If Advisor determines that engaging AEWM is in a client’s best interest, we will provide the client with AEWM’s relevant disclosure documents including Form ADV2a, privacy policy and any other document necessary to provide a complete description of services and fees. Wrap Fee Program A wrap fee program is a comprehensive advisory account with a single fee that covers both asset management fees and trade ticket execution charges as well as the possibility of financial planning at no additional cost.
• Abich Financial Wealth Management does not sponsor or act as the portfolio manager of a wrap fee program.
• When using the platform and advisory services provided AEWM, clients will be participating in a wrap fee program. Educational Seminars / Workshops Abich Financial Wealth Management hosts complimentary educational workshops on retirement every month at local restaurants and colleges. These workshops offer the opportunity to learn more about how we can help protect your financial future. Specific investment advice or recommendations are not provided at the firm’s educational seminars/workshops. Retirement Plan Rollovers An employee generally has four (4) options for their retirement plan when they leave an employer: 1. Leave the money in his/her former employer’s plan, if permitted; 2. Rollover the assets to his/her new employer’s plan, if one is available and permitted;

3. Rollover to an Individual Retirement Account (IRA); or, 4. Cash out the account value, which has significant tax considerations. When Abich Financial Wealth Management provides 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. Abich Financial Wealth Management also provides educational services to retirement plan participants with assets that could potentially be rolled over to an IRA advisory account. C. Client Account Management Prior to engaging Abich Financial Wealth Management, each Client is required to enter into an investment advisory agreement that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. D. Assets Under Management Abich Financial Wealth Management, LLC has the following assets under management as of December 31, 2023: Assets Under Management Assets Discretionary Assets $150,120,693 Non-Discretionary Assets $0.00 Total $150,120,693 Clients may request more current information at any time by contacting the Advisor. E. Financial Planning Advisor, through its Investment Advisor Representatives, can provide financial planning as a complimentary service to clients engaged with the firm for Asset Management services. Advisor also offers standalone financial planning services on a separate fee schedule for clients not engaged with the firm for Asset Management services. See Item 5 for more information. The type of planning can vary greatly depending on the scope and complexity of an individual’s financial situation. Examples of the type of planning available include the following: Cash Flow/ Budget Planning Planning to manage expenses against current and projected income. College / Education Planning to pay the future college / education expenses of a child or grandchild. Estate Planning Planning that focuses on the most efficient and tax friendly option to pass on an estate to a spouse, other family members or a charity.