A. Firm Information Master’s Wealth Management Inc. (“Master’s” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Corporation (“LLC”) under the laws of the Commonwealth of Pennsylvania. Master’s was founded in December 2019 and became a registered investment advisor in March 2024. Master’s is owned by Lyle E. Hershey, CFP®, CLU®, RICP® (Chief Executive Officer / Founding Partner and Chief Compliance Officer), Garrison R. North, CFP® (Managing Partner), Charles D. Keller, CRC® (Advisor / Founding Partner). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Master’s. B. Advisory Services Offered Master’s offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses, and retirement plans (each referred to as a “Client”). The Advisor provides financial planning services and investment management services. These services may be obtained individually or contracted as part of a combined wealth management engagement. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith towards each Client and seeks to mitigate conflicts of interest. Master’s’ fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services Master’s provides customized wealth management solutions for its Clients through its Foundations Service and Total Wealth Management (TWM) services. Master’s provides continuous personal Client contact and interaction while providing discretionary management and related financial planning services based on the selected service above. Master’s works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to design a portfolio strategy. Master’s will then construct an investment portfolio, consisting of exchange-traded funds (“ETFs”) and/or mutual funds to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, individual bonds, unaffiliated money managers (See “Independent Managers” below), and/or other types of investments, as appropriate, to meet the needs of the Client. The Advisor may retain certain legacy investments based on portfolio fit and/or tax considerations. Master’s will select, recommend and/or retain mutual funds on a fund by fund basis. Due to specific custodial and/or mutual fund company constraints, material tax consideration, and/or systematic investment plans, Master’s will select, recommend and/or retain a mutual fund share classes that do not have trading costs when possible. These will in most cases be institutional share classes but in some cases may be share classes with higher internal expense ratios than institutional share classes. Master’s will seek to select the lowest cost share class available that is in the best interest of each Client weighing the expected investment pattern, expense ratios and potential ticket charges, and will ensure the selection aligns with the Client’s financial objectives and stated investment guidelines. Master’s’ investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Master’s will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Master’s evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Master’s may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Master’s may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against the market movement. Master’s may Page 5 recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Use of Independent Managers – Master’s may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into a wealth management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager,

will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning Services – Master’s will typically provide a variety of financial planning and consulting services to Clients. Services may be included as part of a wealth management engagement of contracted separately. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. Total Wealth Management Services The Total Wealth Management (TWM) process is designed to assist Clients in optimize their financial life while providing flexibility to account for the inevitable changes that will come along the way. TWM includes ongoing investment management and related planning services. Planning services are delivered on a quarterly rhythm with each quarter focusing on a separate aspect of your financial picture. Following is the area of focus for each quarter:
• Quarter 1 – Goal and Cash Flow Planning
• Quarter 2 – Investment Review and Analysis
• Quarter 3 – Risk Management
• Quarter 4 – Tax and Generosity Planning Foundations Services The Foundations Service is designed to help Clients manage their investments and organize finances. These services will be delivered with an annual meeting to review your investments and discuss the financial matters that are most important to you. Services may include asset allocation, retirement planning, insurance reviews, social security planning, long term care planning and other broad financial planning topics. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for wealth management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services Master’s provides 3(21) retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Page 6 Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education Tracking
• Investment Policy Statement (“IPS”) Design and Monitoring
• Investment Oversight
• Ongoing Investment Recommendation and Assistance These services are provided by Master’s serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Master’s’ fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Master’s to provide advisory services, each Client is required to enter into one or more written agreements with the Advisor that define the terms, conditions, authority, and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – Master’s, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – Master’s will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client or unique client goal.
• Portfolio Construction – Master’s will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Wealth Management and Supervision – Master’s will provide wealth management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Master’s may include securities transaction fees together with its investment advisory fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes its investment management services for its Clients. The Advisor sponsors the Master’s Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management Master’s is a newly formed registered investment advisor. Assets under management will be report in the Advisor’s next filing of this Disclosure Brochure. Clients may request more current information at any time by contacting the Advisor.