Firm Information Drucker Wealth is a third-generation financial planning and wealth management team based in New Jersey with virtual operations across the country. The firm, Drucker Wealth 3.0, LLC is organized as a limited liability company (“LLC”) under the laws of New Jersey. Drucker Wealth registered as an investment advisor with the U.S. Securities and Exchange Commission (“SEC”) in 2024. This Disclosure Brochure provides information regarding the qualifications, business practices, and advisory services provided by Drucker Wealth. Principal Owners Lance S. Drucker, ChFC® CLU® AIF® Chairman Lance Drucker has over 30 years of industry experience and a B.S. in accounting and finance from SUNY Binghamton. He also earned the Chartered Financial Consultant (ChFC®) designation, Chartered Life Underwriter (CLU®) designation and Accredited Investment Fiduciary (AIF®) designation. He also earned a Certificate in Retirement Income Planning from the Wharton School of Business. Gideon B. Drucker, CFP®, AIF®, ECA President Gideon Drucker, CERTIFIED FINANCIAL PLANNER™, Accredited Investment Fiduciary® and Equity Compensation Associate® is the Founder and Director of the Wealth Builder Division at Drucker Wealth. Gideon is the author of the book, "How To Avoid HENRY Syndrome®" and created the HENRY Syndrome® suite of services as a way to educate and empower high earners not rich yet, newlyweds, and young families to make smart financial decisions for their futures. Gideon graduated from Lehigh University before serving as a combat paratrooper in the Israel Defense Force. Financial Planning Drucker Wealth focuses on financial planning as part of a comprehensive asset management engagement or as a stand-alone service. 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: Tax Planning Drucker Wealth provides tax planning to help minimize a client tax liabilities. Equity Compensation Planning Drucker Wealth provides tips to clients employed at tech and media companies such as reviewing benefits, restricted stock options, vesting schedules, and plan contribution limits. Investment Management Once a plan is completed, Drucker Wealth can help execute the investment strategy based on risk tolerance, tax situation and a client’s unique financial circumstances. Drucker Wealth will monitor the investment program and make changes as circumstances warrant based on the science of investing and behavioral economics. Insurance & Estate Planning Insurance and estate planning incorporates income, expenses, taxes, insurances, short term & long-term financial goals to help determine efficient tax management, protection and distribution objectives Asset Management Drucker Wealth offers discretionary1 asset management in addition to financial planning services primarily to individuals, high net worth individuals, and small business owners (each referred to as a “client”). Investment accounts are maintained at National Financial Services LLC, and Fidelity Brokerage Services LLC (together with all affiliates, "Fidelity") or Altruist Financial, LLC, both FINRA2/SIPC3 member broker/dealers to serve as the custodian for client funds (“Custodian”). There is generally a minimum fee amount of $3,000 required per household. Investment advice is not limited to certain types of investments. Advisory services are tailored to the individual needs of clients who may impose restrictions on investing in certain securities or types of securities. Wrap Fee Program Transaction fees are paid by Drucker Wealth instead of the client, which make the advisory accounts offered by Drucker Wealth a wrap fee program4. Clients should understand that the cost of transaction charges can be a factor that Drucker Wealth considers when deciding which securities to select and how frequently to place transactions. Drucker Wealth has a financial incentive to recommend Class A Shares in cases where both Class A and Platform Shares are available. This is a conflict of interest which might incline Drucker Wealth, consciously or unconsciously, to render advice that is not disinterested. Drucker Wealth does not pay transaction charges for Class A Share mutual fund transactions or Platform Share mutual fund transactions. The cost5 to Drucker Wealth of transaction charges can be a factor Advisor considers when deciding which securities to select and whether or not to place transactions in the account.
• Please see Appendix 1 –Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. Direct Indexing This program is generally for non-qualified accounts only and will consist of directly holding individual stock positions that make up an index instead of using a mutual fund or an ETF to track the underlying index. A direct indexing fee is assessed in lieu of internal expenses associated with index mutual funds and ETF’s. 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 1 Client grants Advisor ongoing and continuous authority to execute its investment recommendations without the Client's prior approval of each specific transaction. Under this authority, Client shall allow Advisor to purchase and sell securities and instruments in this Account(s), arrange for delivery and payment in connection with the foregoing, select and retain sub-advisors, and act on behalf of the Client in all matters necessary or incidental. 2 FINRA (Financial Regulatory Authority) is dedicated to investor protection and market integrity through effective and efficient regulation of the securities industry. FINRA is not part of the government but an independent, not-for-profit organization authorized by Congress to protect America’s investors by making sure the securities industry operates fairly and honestly. http://www.finra.org. 3 SIPC (Securities Investors Protection Corporation) was created under the Securities Investor Protection Act as a non-profit membership corporation. SIPC oversees the liquidation of member broker-dealers that close when the broker-dealer is bankrupt or in financial trouble, and customer assets are missing. http://sipc.org 4 A wrap fee program is a comprehensive advisory account with a single fee that covers a bundle of services, such as, portfolio management, advice, and investment research as well as trade execution, custody, and reporting fee. 5 The lack of transaction charges to Drucker Wealth for Class A Share purchases and sales, together with the fact that Platform Shares generally are less expensive for a client to own, presents a significant conflict of interest between Drucker Wealth and the client. In short, it costs less to recommend and select Class A share mutual funds than Platform shares, but Platform shares will generally outperform Class A mutual fund shares on the basis of internal cost structure alone. Clients should understand this conflict and consider the additional indirect expenses borne as a result of the mutual fund fees when negotiating and discussing fees. Each of these options has advantages and disadvantages

and before making a change we encourage you to speak with your CPA and/or tax attorney. If you are considering rolling over your retirement funds to an IRA for us to manage here are a few points to consider before you do so:
• Determine whether the investment options in your employer's retirement plan address your needs or whether you might want to consider other types of investments.
• Employer retirement plans generally have a more limited investment menu than IRAs.
• Employer retirement plans may have unique investment options not available to the public such as employer securities, or previously closed funds.
• Your current plan may have lower fees. If a client elects to roll the assets to an IRA that is subject to our management, we will charge an asset-based fee as set forth in an agreement executed with our firm. This practice presents a conflict of interest because Investment Advisor Representatives have an incentive to recommend a rollover to you for the purpose of generating fee-based compensation rather than solely based on your needs. Clients are under no obligation, contractually or otherwise, to complete the rollover. Moreover, if a client completes the rollover, they are under no obligation to have the assets in an IRA managed by Drucker Wealth. Many employers permit former employees to keep their retirement assets in the company plan. Also, current employees can sometimes move assets out of the company plan before they retire or change jobs. In determining whether to complete the rollover to an IRA, and to the extent the following options are available, clients should consider the costs and benefits of each. An employee will typically be investing only in mutual funds, you should understand the cost structure of the share classes, available in your employer's retirement plan and how the costs of those share classes compare with those available in an IRA. Clients should understand the various products and services they might take advantage of at an IRA provider and the potential costs of those products and services.
• The Drucker Wealth strategy may have higher risk than the option(s) provided in an employer plan.
• A client’s employer plan may also offer financial advice.
• If a client keeps their assets titled in a 401k or retirement account, they could potentially delay required minimum distributions.
• A 401(k) may offer more liability protection than a rollover IRA; each state may vary.
• Clients may be able to take out a loan on their 401k, but not from an IRA.
• IRA assets can be accessed any time; however, distributions are subject to ordinary income tax and subject to a 10% early distribution penalty unless they qualify for an exception such as disability, higher education expenses or home purchase.
• If company stock is owned in a plan, participants may be able to liquidate those shares at a lower capital gains tax rate.
• Plans may allow Advisor to be hired as the manager and keep the assets titled in the plan name. Generally, federal law protects assets in qualified plans from creditors. Since 2005, IRA assets have been generally protected from creditors in bankruptcies. However, there can be some exceptions to the general rules so you should consult with an attorney if you are concerned about protecting your retirement plan assets from creditors. It is important to understand the differences between these types of accounts and to decide whether a rollover is the best option. Prior to proceeding, if you have questions contact your Investment Adviser Representative, or call our main number as listed on the cover page of this brochure. Drucker Wealth generally provides educational services to retirement plan participants with assets that could potentially be rolled-over to an IRA advisory account. Education is based on a particular Client’s financial circumstances and best interests. Again, Drucker Wealth has an incentive to recommend such a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a client’s best interest and acting accordingly. If Drucker Wealth 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. Pontera Solutions Inc. Drucker Wealth provides an additional service for accounts not directly held in our custody but where we do have discretion and can leverage an Order Management System6 to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of the client. These are primarily 401(k) accounts 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. A fee will be assessed and billed quarterly. Specifically, the exact amount charged is determined by the account balance as of the end of the quarter. If Drucker Wealth only manages assets for part of a quarter, the charge will be prorated. The fee is a blended fee and is calculated by assessing the percentage rates using the predefined levels of assets resulting in a combined weighted fee. Estate Planning Drucker Wealth can provide access to a third-party technology platform to provide educational content and estate planning tools. Drucker Wealth does not provide legal advice, and the available planning tools should not be considered a substitute for services provided by a licensed attorney. Asset Under Management As of April 30, 2024, the assets under management are: Discretionary Non-Discretionary $518,148,900 $0.00 Clients may request more current information at any time. Business Continuity Plan Drucker Wealth has a business continuity and contingency plan in place designed to respond to significant business disruptions. These disruptions can be both internal and external. Internal disruptions that could impact our ability to communicate and do business, such as a fire in the office building. External disruptions will prevent the operation of the securities markets or the operations of a number of firms, such as earthquakes, wildfires, hurricanes, terrorist attack or other wide-scale, regional disruptions. Our continuity and contingency plan has been developed to safeguard employees’ lives and firm property, to allow a method of making financial and operational assessments, to quickly recover and resume business operations, to protect books and records, and to allow clients to continue transacting business. The plan includes the following:
• Alternate locations to conduct business
• Hard and electronic back-ups of records 6 https://pontera.com
• Alternative means of communications with employees, clients, critical business constituents and regulators; and Details on the firms’ employee succession plan. Our business continuity and contingency plan is reviewed and updated on a regular basis to ensure that the policies in place are sufficient and operational.