DWM provides financial planning, consulting, and investment management services. Prior to engaging DWM to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with DWM setting forth the terms and conditions under which DWM renders its services (collectively the “Agreement”). DWM has been in business as an SEC-registered investment adviser since April 15, 2009. William S. Decker is the principal owner of DWM. This Disclosure Brochure describes the business of DWM. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of DWM’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on DWM’s behalf and is subject to DWM’s supervision or control. Financial Planning and Consulting Services DWM provides its clients with a broad range of comprehensive financial planning and consulting services. These services include analysis and advice regarding business planning, investments, insurance, retirement, education, estate planning, and tax and cash flow needs of the client. In performing its services, DWM is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. DWM recommends the services of itself, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if DWM recommends its own services. The client is under no obligation to act upon any of the recommendations made by DWM under a financial planning or consulting engagement or to engage the services of any such recommended professional, including DWM itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of DWM’s recommendations. Clients are advised that it remains their responsibility to promptly notify DWM if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising DWM’s previous

recommendations and/or services. Investment Management Services Clients can engage DWM to manage all or a portion of their assets on a discretionary or non- discretionary basis. DWM primarily allocates clients’ investment management assets among exchange-traded funds (“ETFs”) and individual debt and equity securities in accordance with the investment objectives of the client. DWM also provides advice about any type of investment held in clients' portfolios; however, clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. DWM also renders non-discretionary investment management services to clients relative to variable life/annuity products that they may own, their individual employer-sponsored retirement plans, or other products that may not be held by the client’s primary custodian. In so doing, DWM either directs or recommends the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product. DWM tailors its advisory services to the individual needs of clients. DWM consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon, and other factors that may impact the clients’ investment needs. DWM ensures that clients’ investments are suitable for their investment needs, goals, objectives, and risk tolerance. Clients are advised to promptly notify DWM if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon DWM’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in DWM’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. DWM had $360,928,239 of assets under management as of December 31, 2023, $349,188,486 of which were managed on a discretionary basis and $11,739,753 of which were managed on a non-discretionary basis.