Calamita Wealth Management Inc. (“CWM”) was formed in 2010 and provides financial planning and investment management services to its clients. Todd Calamita is the sole principal owner of CWM. Please see the Brochure Supplement, ADV Part 2B, located at the end of this Brochure for more information on Mr. Calamita. CWM offers a comprehensive service through its Investment Advisory Agreement that provides Discretionary Investment Management and Comprehensive Financial Planning. The Discretionary Investment Management of a client’s investment portfolio and Comprehensive Financial Planning includes but may not be limited to cash flow & budgeting, debt reduction, insurance and risk management needs analysis, retirement goal setting, wealth transfer strategies and tax planning. As of December 31, 2023, CWM managed $104,048,086 on a discretionary basis and $5,088,448 on a non- discretionary basis for a total of $109,136,534 in assets under management. The Calamita Wealth Management Inc. process is as follows: Establish the Relationship The Investment Management and Financial Planning relationship begins with the "establishment" phase. Establishing the roles and expectations of both CWM and the client is a critical initial step to a long-lasting and trusted relationship. We further clarify such important issues as fee structure, communication preferences and other often overlooked factors that are important to laying the foundation. Gather the Information To properly evaluate each prospective client at CWM we must learn as much as possible to truly "know" our client. Determining your current financial status, personal and financial goals, needs and priorities, and all other pertinent information forms the backbone of your financial direction, strategy, and plan. Analyze We take all the information you give us and analyze the most appropriate steps necessary to reach your financial goals. We look at debt ratios, asset levels, investment allocations, risk tolerance levels, insurance, estate planning information and your other financial data necessary to form a comprehensive plan. Develop and Recommend Once we have completed our analysis, we develop and recommend the necessary action steps to help you meet your specified goals. We take the time to help you understand the steps so that you can make informed decisions. We also listen to your concerns and revise recommendations as appropriate. Implement Once we have agreed upon the necessary steps to meet your financial goals, the implementation phase begins. The implementation phase will consist of a list of action steps required of you, the client, as well as CWM. During this step we will clarify responsibilities and select the products and/or services needed for implementation. To implement your investment portfolio, CWM will manage your assets on a discretionary basis. As a discretionary investment adviser, we will have the authority to supervise and direct the portfolio without prior consultation with you. Monitor Once we have established our planning relationship, gathered the necessary information, analyzed that information, developed a plan, and implemented your financial plan, the monitoring phase begins. We have found that the monitoring of your financial plan can often be the most critical step to successful financial planning. It involves a multitude of factors such as the timely communication of the frequent changes that occur in each client's life, the changing of goals and objectives, the investment allocation adjustments needed due to income changes, unique tax situations and evolving risk tolerance levels, as well as market and tax law changes. We find that the monitoring stage of financial planning often proves the most time consuming and most important function in the success of your financial goals. CWM also provides clients with One-Time, Standalone Financial Planning through its Financial Planning Services Agreement. At the request of and upon agreement with the client, One-Time, Standalone Financial Planning may include recommendations related to but not be limited to: Cash Management; Debt Management; Goal Funding; Education Funding; Review of current portfolio, Proposed asset allocation; Investment Strategy Recommendations; Retirement Needs Analysis; Analysis of current status of funding plans; Pension Annuity vs. Lump Sum; Social Security analysis; Retirement Planning Recommendations; Risk Exposure Evaluation; Insurance Needs Analysis; Property and Casualty Insurance Analysis; Life, Health, Long-Term Care Insurance Analysis; Business/Disability Insurance Analysis; Income Tax Planning; Estate

Planning Review; and, other financial planning topics agreed to by CWM and the client. CWM’s One-Time, Standalone Financial Planning service does not include ongoing or continuous supervision or management of the client’s cash, securities, or any other assets. The responsibility for implementation of recommendations and financial decisions is the sole responsibility of the client, and clients are under no obligation to act on CWM’s recommendations. In the event that a client does choose to act upon any of CWM’s recommendations, clients are under no obligation to effect those transactions through CWM. The engagement begins when CWM and the client sign the agreement and ends when CWM provides the client with its recommendations in the areas outlined in the agreement. Retirement Plan Advisory Services Establishing a sound fiduciary governance process is vital to good decision-making and to ensuring that prudent procedural steps are followed in making investment decisions. CWM will provide Retirement Plan consulting services to Plans and Plan Fiduciaries as described below. The services provided will be detailed in the consulting agreement. The appropriate Plan Fiduciary(ies) designated in the Plan documents (e.g., the Plan sponsor or named fiduciary) will (i) make the decision to retain our firm; (ii) agree to the scope of the services that we will provide; and (iii) make the ultimate decision as to accepting any of the recommendations that we may provide. The Plan Fiduciaries are free to seek independent advice about the appropriateness of any recommended services for the Plan. Retirement Plan consulting services may be offered individually or as part of a comprehensive suite of services. The Employee Retirement Income Security Act of 1974 (“ERISA”) sets forth rules under which Plan Fiduciaries may retain investment advisers for various types of services with respect to Plan assets. For certain services, CWM will be considered a fiduciary under ERISA. For example, CWM will act as an ERISA § 3(21) fiduciary when providing non-discretionary investment advice to the Plan Fiduciaries by recommending a suite of investments as choices among which Plan Participants may select. Also, to the extent that the Plan Fiduciaries retain CWM to act as an investment manager within the meaning of ERISA § 3(38), CWM will provide discretionary investment management services to the Plan. With respect to any account for which CWM meets the definition of a fiduciary under Department of Labor rules, CWM acknowledges that both CWM and its Related Persons are acting as fiduciaries. Additional disclosure may be found elsewhere in this Brochure or in the written agreement between CWM and Client. Fiduciary Consulting Services
• Investment Selection Services CWM will provide Plan Fiduciaries with recommendations of investment options consistent with ERISA section 404(c). Plan Fiduciaries retain responsibility for the final determination of investment options and for compliance with ERISA section 404(c).
• Non-Discretionary Investment Advice CWM provides Plan Fiduciaries and Plan Participants general, non-discretionary investment advice regarding asset classes and investments.
• Investment Monitoring CWM will assist in monitoring the plan’s investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the investment policy statement and CWM will make recommendations to maintain or remove and replace investment options. The details of this aspect of service will be enumerated in the engagement agreement between the parties. Non-Fiduciary Services
• Participant Education CWM will provide education services to Plan Participants about general investment principles and the investment alternatives available under the Plan. Education presentations will not consider the individual circumstances of each Plan Participant and individual recommendations will not be provided unless a Plan Participant separately engages CWM for such services. Plan Participants are responsible for implementing transactions in their own accounts.
• Participant Enrollment CWM will assist with group enrollment meetings designed to increase retirement Plan participation among employees and investment and financial understanding by the employees. Please Note: CWM has legacy clients with existing engagements who have arrangements for different services than those described above that are no longer offered by the firm.