OWNERSHIP/ADVISOR HISTORY J. F. Williams Co., Inc. was founded in 1995. James F. Williams is the founder. He is a minority stockholder owning approximately 5% of the shares. Juan J. Guevara is a Financial Planner. He is a minority stockholder owning approximately 15% of the shares. Additional information about Mr. Guevara is available in the ADV Part 2B – Supplemental Brochure. Adam S. Van Wert is a Financial Planner. He is a minority stockholder owning approximately 15% of the shares. Additional information about Mr. Van Wert is available in the ADV Part 2B – Supplemental Brochure. Holly C. Pickens is an Associate Financial Planner. Additional information about Ms. Pickens is available in the ADV Part 2B – Supplemental Brochure. Matthew A. Elliott is the CCO/CEO. He is a majority stockholder owning approximately 65% of the shares. Additional information about Mr. Elliott is available in the ADV Part 2B – Supplemental Brochure. ADVISORY SERVICES OFFERED J. F. Williams Co., Inc. provides financial planning and investment management to individuals, profit sharing plans, trusts, estates, charitable organizations, and small businesses. Advice is tailor made based on ongoing consultation with each client. Areas of advice may include determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. J. F. Williams Co., Inc. is a fee-only financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. All clients engaged for investment management services obtain a formal investment policy statement. This investment policy statement (IPS) sets forth the guidelines by which all the client’s funds will be invested. This document is generated through a formalized process which helps to assess the client’s risk tolerance

and goals. The IPS document is monitored over time and updated as warranted by the client’s circumstances. Most clients opt to engage in the financial planning process. For most people, it’s hard to find time to sit down and discuss life and finances. Most individuals and couples find themselves juggling different needs and wants and have difficulty identifying their priorities. Understanding the underlying emotional motivators of financial attitudes and behaviors gives an extra edge needed to achieve life goals. As the picture becomes clearer, we perform a thorough assessment of all aspects our clients’ financial life. Understanding their perspectives, preferences, priorities, and vision for their ideal future will become the basis for our planning and analysis, which includes any or all the following service areas:
•Net Worth Summary
•Retirement Planning
•Debt Management
•Budgeting
•Education Planning
•Income Tax Planning
•Lifetime Cash Flow Projection
•Retirement Cash Flow
•Long Term Care Planning
•Life & Disability Needs Analysis
•Cash Management
•Estate Planning Review J. F. Williams Co., Inc. Page 5 ADV Part 2A – 04/03/2024 All of our clients’ accounts are held at a custodian. Charles Schwab & Co., Inc. is the custodian for most our clients’ accounts. We provide investment services for accounts, such as 401(k) plans, held at other custodians. J. F. Williams Co., Inc. has a limited power of attorney to places trades in our clients’ accounts, and in some cases, withdraw our investment management fees when authorized by the client. TAILORED SERVICES We tailor our services to a client’s needs, goals, and objectives. Clients can restrict the types of securities and/or investment classes that we use in their portfolios. All restrictions must be provided to us in writing. CLIENT ASSETS MANAGED As of 12/31/2023, J. F. Williams Co., Inc. managed approximately $229,307,447 in assets for approximately 137 clients. 100% of these assets are managed on a non-discretionary basis. That is, all trades are authorized by our clients prior to being placed.