DIRECT FINANCIAL CARE

Item 1 – Cover Page DISCLOSURE BROCHURE FORM ADV PART 2A/2B GuidedMoney, LLC d/b/a Direct Financial Care 5293 Scherbel Road Black Earth, WI 53515 (608) 620-3385 jamie@directfinancialcare.com www.directfinancialcare.com March 16, 2026 This Disclosure Brochure provides information about the qualifications and business practices of GuidedMoney, LLC. If you have any questions about the contents of this brochure, please contact us at (608) 630-7974 or jamie@directfinancialcare.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. GuidedMoney, LLC is a registered investment adviser. Registration as an investment adviser does not imply any level of skill or training. Additional information about GuidedMoney, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov by searching for the Firm’s CRD Number 310559. 1  March 16, 2026 Disclosure Brochure Item 2 – Material Changes We initially provide you with a copy of our Disclosure Brochure when we enter into an agreement with you. On an annual basis, we will provide you with a Summary of Material Changes within 120 days of our fiscal year end. In the alternative, we may choose to provide you with a complete copy of our brochure. Since our last annual update dated February 16, 2024, we have made the following material changes: ● Although we do not have physical custody of your funds and securities, we are deemed to have constructive custody in situations where we have the ability to deduct our advisory fees from your account, or when we have the authorization to initiate distributions or transfers using standing letters of authorization. We have updated Item 15 to provide information on how we protect your assets in these circumstances. ● As of December 31, 2025, we provided discretionary investment management on approximately $232,615,592 of assets under management on a discretionary basis. In addition, we provide advisory services on approximately $40,081,517 of assets under advisement, which represents held-away assets for which we provide advice and recommendations but do not directly manage. You may request a current copy of our Disclosure Brochure at any time without charge by contacting us at (608) 630-7974 or jamie@directfinancialcare.com. You may also obtain a copy of our current Disclosure Brochure at www.adviserinfo.sec.gov by searching for the Firm’s CRD Number 310559. GuidedMoney, LLC d/b/a Direct Financial Care Page 2 of 18  March 16, 2026 Disclosure Brochure Item 3 – Table of Contents Item 1 – Cover Page Item 2 – Material Changes Item 3 – Table of Contents Item 4 – Advisory Business Firm Overview Services Comprehensive Financial Planning and Financial Consulting Services Investment Management Services Retirement Plan Services Additional Information Item 5 – Fees and Compensation Comprehensive Financial Planning and Financial Consulting Services Investment Management Services Retirement Plan Services Additional Fees Item 6 – Performance-Based Fees and Side-By-Side Management Item 7 – Types of Clients Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Passive Investment Management Third-Party Analysts Material Risks Involved Risks Associated with Securities Item 9 – Disciplinary Information Item 10 – Other Financial Industry Activities and Affiliations 1 2 3 5 5 5 5 6 7 7 7 7 8 8 8 9 9 9 9 9 10 11 11 11 Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Item 12 – Brokerage Practices Financial Planning and Consulting Services Investment Management Services Aggregating (Block) Trading for Multiple Client Accounts Item 13 - Review of Accounts Financial Planning and Consulting Services Investment Management Services Retirement Planning Services Item 14 - Client Referrals and Other Compensation Item 15 – Custody Deduction of Advisory Fees Standing Letters of Authorization Item 16 – Investment Discretion Comprehensive Financial Planning and Financial Consulting Services 12 12 12 12 13 13 13 14 14 14 14 14 15 15 15 GuidedMoney, LLC d/b/a Direct Financial Care Page 3 of 18  March 16, 2026 Disclosure Brochure Investment Management Services Retirement Plan Services Item 17 – Voting Client Securities Item 18 – Financial Information Form ADV Part 2B - Brochure Supplement for Jamie Droessler, CFP® 15 16 16 16 16 GuidedMoney, LLC d/b/a Direct Financial Care Page 4 of 18  March 16, 2026 Disclosure Brochure Item 4 – Advisory Business Firm Overview GuidedMoney, LLC, doing business as Direct Financial Care (“the Firm”), was formed as a limited liability company in the State of Wisconsin effective September 1, 2020, and has been registered as an investment adviser with the State of Wisconsin since September 2020. Because our assets under management exceed $100 million as of December 31, 2023, we have applied for registration with the United States Securities and Exchange Commission (registration pending). Jamie Droessler, CFP® is the Firm’s principal owner. This Disclosure Brochure provides information regarding the Firm and its qualifications, business practices, and nature of advisory services that clients and potential clients should consider in determining whether to engage the Firm as an investment adviser. We provide Comprehensive Financial Planning, Financial Consulting, and Investment Management Services to individuals, including high net worth individuals, small businesses, and qualified retirement plans. Services Comprehensive Financial Planning and Financial Consulting Services We offer Comprehensive Financial Planning and Financial Consulting Services. Each of these services is more fully described below. These services are provided on a non-discretionary basis, which means that you are free at all times to accept or reject any recommendation we make. Unless we are also providing discretionary Investment Management Services for your accounts, we do not have the authority to initiate any transactions to implement any recommendations we make. You are responsible for initiating any transactions necessary to implement our recommendations, and we do not have any control over the timing of such transactions. As such, we are not responsible for any claims or damages as a result of your failure to implement transactions on a timely basis. To provide these services, where possible, you may provide us with view-only authorization to view and monitor your accounts using our aggregation tools. Where view-only access is not possible, you agree to provide current and accurate information regarding your accounts. Because we rely on information you provide to make our recommendations, it is important that you notify us immediately of any changes in your financial objectives, goals, and risk tolerance, as well as any other material changes to your personal financial circumstances (such as your employment status, marital status, or financial condition.) These changes may require changes in your financial plan. In providing our services, we are not required to verify any information we receive from you or from your other professionals (e.g., attorney, accountant), and we are expressly authorized to rely on the information you provide. Comprehensive Financial Planning Services may be provided in conjunction with Investment Management Services, or they may be provided as a separate service without investment GuidedMoney, LLC d/b/a Direct Financial Care Page 5 of 18  March 16, 2026 Disclosure Brochure management. Financial Consulting Services are typically provided as a stand-alone service, without discretionary Investment Management Services. Where appropriate, we may assist clients with completing simple estate planning documents using a web-based application. In doing so, we are providing access to the application and guidance only. We do not provide legal or tax advice. We encourage you to work with your accounting, tax professional, attorney, or other professionals as necessary to implement certain aspects of your financial plan or estate plan. for financial planning through Comprehensive Financial Planning Services: We offer Comprehensive Financial Planning Services and advice on various topics such as personal financial goals and objectives, investment accounts and fees, portfolio allocation, retirement and cash flow planning, estate planning and gifting strategies, tax mitigation and planning strategies, insurance needs assessment, business planning strategies, education savings needs analysis, debt management, special needs planning, and other specific topics that you request. We gather interviews, correspondence, services information questionnaires, or other means. Typically, we will prepare a report summarizing your financial plan, which may be delivered in written form or electronically. Financial Consulting Services. Under Financial Consulting Services, we will provide an initial review, analysis, and recommendations regarding your investment accounts on a non-discretionary basis. We will meet with you periodically, on a schedule as we mutually agree, to review and update our recommendations. Investment Management Services Investment Management Services are tailored to your Our individual needs and circumstances. Our services constitute an ongoing process by which we first identify your investment goals and objectives, your time horizon, risk tolerance and other constraints, and then develop a strategy designed to help you meet your financial goals and objectives. We will review your existing portfolio of investments, and make recommendations for portfolio holdings and overall asset allocations to implement your strategy. Our investment recommendations will primarily include, but are not limited to, positions in individual securities, bonds, open-end mutual funds, or exchange traded funds (ETFs). Because we rely on information you provide to make our investment recommendations, it is important that you notify us immediately of any changes in your investment objectives, goals, and risk tolerance, as well as any other material changes to your personal financial circumstances (such as your employment status, marital status, or financial condition.) These changes may require changes in the investment strategies employed. In providing our services, we are not required to verify any information we receive from you or from your other professionals (e.g., attorney, accountant), and we are expressly authorized to rely on the information you provide. Generally, Investment Management Services will be provided on a discretionary basis, which means that you grant us the authority to make investment decisions and implement transactions on your behalf without obtaining your prior consent and approval. However, in GuidedMoney, LLC d/b/a Direct Financial Care Page 6 of 18  March 16, 2026 Disclosure Brochure some limited circumstances, we may provide you with non-discretionary advice on other assets, such as funds held in your company sponsored qualified retirement plan or 529 education savings account. You may impose restrictions in investing in certain securities or types of securities in accordance with your values or beliefs as long as such restrictions allow us to reasonably manage your assets. Client assets are held at a qualified custodian. Please see additional information below regarding our Brokerage Practices. Retirement Plan Services We provide consulting services to employers regarding employee benefits. These services are based on the employer’s needs, but may include assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan, investment management, as well as providing employee education on these matters. The specific services we provide to each plan is set forth in an agreement with the plan sponsor. Additional Information We do not participate in a wrap fee program. investment management on As of December 31, 2025, we provided discretionary approximately $232,615,592 of assets under management on a discretionary basis. In addition, we provide advisory services on approximately $40,081,517 of assets under advisement, which represents held-away assets for which we provide advice and recommendations but do not directly manage. Item 5 – Fees and Compensation Comprehensive Financial Planning and Financial Consulting Services Comprehensive Financial Planning Services: Our fees for Comprehensive Financial Planning Services vary based on the complexity of your financial circumstances and your individual needs. Fees are individually negotiated, subject to a $2,000 minimum, and are set forth in our Advisory Agreement with you. Unless you also elect Investment Management Services, our Comprehensive Financial Planning Services terminate upon delivery of the financial plan, and we do not provide any ongoing monitoring or implementation of your financial plan. Fees are due and payable upon completion and delivery of the financial plan. If you terminate the Advisory Agreement prior to completion and delivery of the financial plan, you are responsible for services provided prior to the date of termination at the rate of $150 per hour, not to exceed any fixed fee set forth in the Advisory Agreement. Because fees are billed in arrears, no refunds are provided upon termination. Financial Consulting Services. Our fee for Financial Consulting Services may vary based on factors such as the complexity of your investment accounts and how frequently you wish to consult with us regarding your investment accounts. The fee is a flat fee which generally GuidedMoney, LLC d/b/a Direct Financial Care Page 7 of 18  March 16, 2026 Disclosure Brochure ranges between $750 to $1,000 per quarter, although some clients may pay a fee higher or lower than this range, based on their financial circumstances. The fee is billed quarterly in arrears, and is set forth in our Advisory Agreement with you. The initial term of the Financial Consulting Services Agreement is for one year, which automatically renews on an annual basis, unless terminated by either party upon 30 days’ written notice. Because fees are paid in arrears, no refunds will be given upon termination. Fees are prorated for partial quarters. Where possible, you may authorize us to deduct our management fee directly from your custodial account. With our Comprehensive Financial Planning and Financial Consulting Services, you have sole discretion to implement any of our investment or financial planning recommendations. If you elect to implement any investment or financial planning recommendations, you may incur additional fees, including brokerage commissions, transaction fees, and other related costs and expenses. You may also incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, transaction fees, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. In addition, you may incur internal fees and expenses charged by mutual funds or ETFs (generally including a management fee and fund expenses, as described in each fund’s prospectus or offering materials). Investment Management Services Our fees for Investment Management Services vary based on your assets under management, the complexity of your investment portfolio, and your individual needs. Typically, we will charge a percentage fee based on your assets under management. Percentage fees will typically range from 0.25% to 1.00% annually of your assets under management, although some clients may pay a fee higher or lower than this range, based on their financial circumstances. Fees are individually negotiated, and are set forth in our Advisory Agreement with you. In some cases, we may negotiate a flat fee, billed quarterly in arrears. Flat fees will be automatically adjusted for inflation on an annual basis, and we will notify clients of the adjusted fee before it becomes effective. Retirement Plan Services Our Retirement Plan Services vary based on each plan’s specific needs, and therefore our fees vary based on such factors as the services provided, the size of the plan, the number of participants, and the complexity of the plan investment offerings. The specific fee is set forth in agreement with the plan sponsor. Additional Fees Our advisory fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred in your account. You may incur certain charges imposed by custodians, broker-dealers, and other third parties, such as transfer or wire fees, deferred sales charges, other fees and taxes. GuidedMoney, LLC d/b/a Direct Financial Care Page 8 of 18  March 16, 2026 Disclosure Brochure You should review all fees charged by funds, custodians, and others to fully understand the total amount of direct and indirect fees you will incur. Item 6 – Performance-Based Fees and Side-By-Side Management We do not charge performance-based fees (that is, fees based on a share of capital gains or on capital appreciation of the assets of a client) or provide side-by-side management of client accounts. Item 7 – Types of Clients We provide our Comprehensive Financial Planning, Financial Consulting, and Investment Management Services primarily to individuals, including high net worth individuals, and small businesses. We provide our retirement plan services to plan sponsors and participants of qualified retirement plans. We do not impose a minimum level of assets to provide financial planning services. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Passive Investment Management We primarily practice passive investment management. Passive investing involves building portfolios that are composed of various distinct asset classes. The asset classes are weighted in a manner to achieve a desired relationship between correlation, risk and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build passive portfolios are typically index mutual funds or exchange traded funds. Passive investment management is characterized by low portfolio expenses (i.e. the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. Academic research indicates most active managers underperform the market. Third-Party Analysts When appropriate, we see the expertise of third-party analysts to provide research and recommendations on individual securities and bonds. We select these third-party analysts based on an examination of their experience, expertise, investment philosophies, and past performance. GuidedMoney, LLC d/b/a Direct Financial Care Page 9 of 18  March 16, 2026 Disclosure Brochure Material Risks Involved All investments involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities and any other investment or security. To the extent the Firm provides analysis or recommendations of your investment portfolio, you should be aware of some material risks that exist with investing, including: Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the operational success of the issuer’s operations or its financial condition. Strategy Risk: The investment strategies or investment techniques of the Firm or Outside Managers may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and medium market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the Client’s portfolio. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited Markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Concentration Risk: Certain investment strategies focus on particular asset-classes, industries, sectors or types of investment. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates. Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. Inflation: Inflation may erode the buying-power of your investment portfolio, even if the dollar value of your investments remains the same. Catastrophic Events: In addition to general market risks described above, our investment strategies may be subject to the risk of loss arising from direct or indirect exposure to a number of types of catastrophic events, such as global pandemics, natural disasters, acts of GuidedMoney, LLC d/b/a Direct Financial Care Page 10 of 18  March 16, 2026 Disclosure Brochure terrorism, cyber-attacks, or network outages. The extent and impact of any such event on investment strategies will depend on many factors, including the duration and scope of the event, the extent of any governmental restrictions, the effect on the supply chain, overall consumer confidence, and the extent of the disruption to global and domestic markets. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Exchange Traded Funds: Exchange Traded Funds prices may vary significantly from the Net Asset Value due to market conditions. Certain Exchange Traded Funds may not track underlying benchmarks as expected. Investment Companies Risk: When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are delisted from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. The Adviser has no control over the risks taken by the underlying funds in which clients invest. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that clients would consider material to their evaluation of us or the integrity of our practice. We have no applicable disciplinary information to disclose. Item 10 – Other Financial Industry Activities and Affiliations Neither the Firm nor any of its management persons are currently registered as a broker-dealer, registered representative of a broker-dealer, futures commission merchant, commodity pool operator, or commodity trading advisor. No applications for any such registrations are pending. As a registered investment adviser, we act as a fiduciary, which means that the Firm and its affiliated persons will always act in our clients’ best interests. Compensation for advisory services is solely in the form of advisory fees; we do not accept any commissions or revenue sharing. GuidedMoney, LLC d/b/a Direct Financial Care Page 11 of 18  March 16, 2026 Disclosure Brochure Please see Item 14 below for information on benefits we receive from our relationship with qualified custodians. Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading We have adopted a Code of Ethics for all supervised persons which describes our high standard of business conduct, and our fiduciary duty to our clients. All supervised persons must acknowledge the terms of the Code of Ethics annually, or as amended. We anticipate that, in appropriate circumstances, and consistent with your investment objectives, we will make recommendations to you to purchase or sell investments in which we or our clients, directly or indirectly, have a position of interest. All supervised persons are required to follow our Code of Ethics, including policies regarding personal securities trading activities. Subject to these policies and other applicable laws, our officers, directors and employees may trade for their own accounts in securities which are recommended to and/or purchased for our clients. The Code of Ethics is designed to assure that the personal securities transactions, activities and interests of our employees will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Nonetheless, because the Code of Ethics permits employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. Employee trading is continually monitored under the Code of Ethics to reasonably prevent conflicts of interest between us and our clients. You may contact us to request a current copy of our Code of Ethics at any time free of charge. Item 12 – Brokerage Practices We do not have any affiliation with broker-dealers. Specific custodian recommendations are made to clients based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. We do not participate in any soft dollar arrangements, nor do we receive any referrals from a broker-dealer or third party in exchange for using that broker-dealer or third party. Financial Planning and Consulting Services Because we provide non-discretionary advice, you are responsible for implementing our recommendations, including the selection of any custodian or broker-dealer. We do not recommend custodians or broker-dealers. Investment Management Services Client assets must be maintained in an account at a “qualified custodian,” generally a broker-dealer or bank. Based on the services you need, we may recommend that you use one GuidedMoney, LLC d/b/a Direct Financial Care Page 12 of 18  March 16, 2026 Disclosure Brochure of several unaffiliated registered broker-dealers, member FINRA/SIPC, as the qualified custodian and broker for your accounts. We have established relationships with custodians that help facilitate our management of your accounts. We primarily use the services of Charles Schwab & Co., Inc. (“Schwab”), for custody and brokerage services, though other custodians may be used. In addition to brokerage and custody services, custodians provide us with access to investments generally available to institutional investors, research, software, and educational opportunities. Custodians may also make available or arrange for discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third-party vendors. Thus, we receive economic benefits as a result of our relationship with the custodians. These services are not contingent upon us committing any specific amount of business to the custodians in trading commissions. Our recommendation of a particular custodian may be based in part on the economic benefit to us and not solely on the nature, cost or quality of custody and brokerage services provided to clients. Commissions and other fees for transactions executed through the custodian may be higher than commissions and other fees available if you use another custodian firm to execute transactions and maintain custody of your account. We believe, however, that the overall level of service and support provided to clients by our recommended custodians outweighs the benefit of possibly lower transaction costs which may be available under other brokerage arrangements. Many of the services described above may be used to benefit all or a substantial number of our client accounts, including accounts not maintained through the custodians. We do not attempt to allocate these benefits to specific clients. Aggregating (Block) Trading for Multiple Client Accounts When appropriate, we may combine multiple orders for shares of the same securities purchased for advisory accounts we manage (this practice is commonly referred to as “block trading”). We will then distribute a portion of the shares to participating accounts in a fair and equitable manner. The distribution of the shares purchased is typically proportionate to the size of the account, but it is not based on account performance or the amount or structure of management fees. Subject to our discretion, regarding particular circumstances and market conditions, when we combine orders, each participating account pays an average price per share for all transactions and pays a proportionate share of all transaction costs. Accounts owned by our firm or access persons may participate in block trading with your accounts; however, they will not be given preferential treatment. Item 13 - Review of Accounts Financial Planning and Consulting Services For Comprehensive Financial Planning, once we deliver your financial plan, we will not monitor your investment accounts, unless we are providing discretionary Investment Management Services for those accounts. We will not perform an update of your financial GuidedMoney, LLC d/b/a Direct Financial Care Page 13 of 18  March 16, 2026 Disclosure Brochure plan unless you request us to do so, and a fee for the update will be negotiated before performing any additional services. For Financial Consulting Services, we will perform periodic reviews and updates on the schedule we agree to, as outlined in the agreement. Investment Management Services We review client portfolios on a weekly basis to review for drift outside of asset allocation targets, and transactions will be executed to rebalance portfolios as needed. Additionally, reasonable restrictions imposed by the Client will be reviewed to confirm they are being followed. Events that may trigger a special review would be unusual performance, addition or deletions of client-imposed restrictions, market volatility, changes in investment strategies, or withdrawals from or deposits into the account. Clients receive trade confirmations directly from the custodian for each transaction in their accounts as well as monthly or quarterly account statements and annual tax reporting statements from their custodian showing all activity in the accounts. We do not provide written reports to Clients. Retirement Planning Services Parameters for reviews for Retirement Plan Services vary by plan, and are described in the advisory agreement between us and the plan sponsor. Item 14 - Client Referrals and Other Compensation We do not directly or indirectly compensate any person or entity for client referrals. As noted above, we receive economic benefits from custodians in the form of support products and services the custodians make available to us. The availability of the custodians’ products and services is based solely on our participation in the custodians’ advisor programs and not on the provision of any particular advice. Item 15 – Custody We do not accept custody of client assets or funds. You should receive statements on a monthly basis from the custodian that holds your account. We encourage you to review such statements carefully. However, we are considered to have constructive custody of your funds and securities under certain circumstances, as explained below. Deduction of Advisory Fees Under applicable regulations, we are considered to have custody of your funds when we debit our advisory fees from your investment account. To safeguard your assets, you are required to provide written authorization for us to deduct our fee from your account. When we debit our fees from your advisory account, we will send you a copy of our invoice at the same time that we send a copy to the custodian. The custodian will send statements directly GuidedMoney, LLC d/b/a Direct Financial Care Page 14 of 18  March 16, 2026 Disclosure Brochure to you showing all disbursements from the account, including the amount of our advisory fee. Standing Letters of Authorization Schwab offers clients the ability to establish a standing letter of authorization (SLOA) that allows us to initiate transfers from your accounts. Transfers may be first-party (transfers between accounts with the same account holder) or third-party (transfers to unrelated parties). When an adviser has the authority to initiate transfers from a client account to an unrelated third party, it is considered custody. When a client establishes a SLOA for a third-party transfer, we will comply with each of the requirements and conditions outlined below: ● You will provide instruction to the custodian in writing, which includes your signature, the third-party’s name, and either the third-party’s address or the third-party’s account number at a custodian to which the transfer should be directed. ● You will authorize us in writing, either on the custodian’s form or separately, to direct transfers to the third-party either on a specified schedule or from time to time. ● Your custodian will perform appropriate verification of the instruction, such as a signature review or other method to verify your authorization, and will provide a transfer of funds notice to you promptly after each transfer. ● You have the ability to terminate or change the instruction with your custodian at any time. ● We have no authority or ability to designate or change the identity, the address, or any other information about the third-party contained in your instruction. ● We will maintain records showing that the third-party is not a related party to or located at the same address as our firm or Associated Persons. ● Your custodian will send you an initial written notice confirming the instruction and an annual written notice reconfirming the instruction. Item 16 – Investment Discretion Comprehensive Financial Planning and Financial Consulting Services Our Comprehensive Financial Planning and Financial Consulting Services are offered on a non-discretionary basis only. This means that you are solely responsible for deciding whether to implement our investment recommendations. Investment Management Services We have the authority and discretion to determine the types and the amounts of securities to be bought and sold in your accounts. You grant us this investment discretion in the advisory agreement. Additionally, the discretionary relationship will be outlined in the account agreement with the custodian. You may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. GuidedMoney, LLC d/b/a Direct Financial Care Page 15 of 18  March 16, 2026 Disclosure Brochure Retirement Plan Services Our discretion authority varies based on the plan sponsor’s needs, and will be outlined in the advisory agreement with the plan sponsor. Item 17 – Voting Client Securities Unless you request otherwise, we will be responsible for voting all proxies related to your portfolio at no additional charge. Generally, we will vote all client securities according to the investment manager’s board recommendations, unless we believe such recommendation is not in our clients’ best interests. As a general rule, we will vote all proxies relating to a particular proposal the same way for all client accounts holding the security, unless a client specifically instructs us in writing to vote such client’s securities otherwise. When making proxy voting decisions, we may seek advice or assistance from third-party consultants, such as proxy voting services or legal counsel. A copy of our proxy voting policy is available upon request without charge. You may obtain a report of how proxies relating to the securities held in your portfolio were voted during the prior year by submitting a written request. To request this information, please contact us at (608) 630-7974 or jamie@directfinancialcare.com. In addition, we engage the services of a third-party service provider to provide monitoring of class actions by issuers, and to pursue the rights of clients in such class actions. Item 18 – Financial Information Registered investment advisers are required to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. We do not have custody of Client funds or securities or require or solicit prepayment of more than $1,200 in fees per client more than six months in advance. Form ADV Part 2B - Brochure Supplement for Jamie Droessler, CFP® This Brochure Supplement provides information about Jamie Droessler, CFP® that supplements the Disclosure Brochure for GuidedMoney, LLC, doing business as Direct Financial Care (“the Firm”). A copy of that Disclosure Brochure precedes this Brochure Supplement. Please contact us at (608) 630-7974 and/or jamie@directfinancialcare.com if you did not receive the Firm’s Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. information about Jamie is available on the SEC’s website at Additional www.adviserinfo.sec.gov, which can be found using his CRD Number 5635716. GuidedMoney, LLC d/b/a Direct Financial Care Page 16 of 18  March 16, 2026 Disclosure Brochure Jamie John Droessler Born 1976 Educational Background University of Wisconsin at Platteville, Bachelors of Science in Mechanical Engineering, 1999 Business Experience GuidedMoney, LLC d/b/a Direct Financial Care, Owner, Managing Member, and Investment Adviser Representative, 9/2020 to Present. SVA Wealth Management, LLC, Wealth Manager and Investment Adviser Representative, 10/2013 to 10/2020. Investment Adviser Droessler Financial Planning, LLC, Managing Member and Representative, 10/2010 to 10/2013. Filbrandt Investment Advisers, Inc., Investment Adviser Representative and Paraplanner, 9/2008 to 5/2010. Caterpillar Manufacturing, Engineer, Logistics Supervisor, Logistics Manager, Supply Chain Manager, 5/2000 to 9/2008. Professional Designations CFP® - CERTIFIED FINANCIAL PLANNER®: Jamie obtained the Certified Financial Planner (“CFP®”) designation in 2013. The CERTIFIED FINANCIAL PLANNER®, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CERTIFIED FINANCIAL PLANNER® (“CFP®”) certification is granted by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”) to individuals who meet rigorous professional standards in financial planning. It is a voluntary certification recognized for its emphasis on education, examination, experience, and ethics. To earn the CFP® certification, individuals must complete certain education and experience requirements; pass the CFP® Certification Examination, which tests the application of financial planning knowledge in real-life scenarios; and agree to be bound by the CFP Board’s Code of Ethics and Standards of Conduct, which sets forth the ethical and practice standards for CFP® professionals. To maintain their certification, CFP® professionals must complete continuing education requirements every two years, including ethics training. In addition, they must renew their commitment to the Code of Ethics and Standards of Conduct and their fiduciary obligations. CFP® professionals who fail to comply with the above standards and requirements could be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their right to use the CFP® marks. For more information, refer to the CFP website at: www.cfp.net. GuidedMoney, LLC d/b/a Direct Financial Care Page 17 of 18  March 16, 2026 Disclosure Brochure Material Disciplinary Disclosures Jamie has never been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Other Business Activities Jamie is not involved in any outside business activities. Additional Compensation Jamie does not receive any economic benefit from any person, company, or organization, in exchange for providing advisory services to clients of the Firm. Supervision Jamie is the principal owner, managing member, and Chief Compliance Officer of the Firm, and is responsible for supervision. Jamie may be contacted at the phone number on this Brochure Supplement. Requirements for State Registered Advisers Jamie has not been involved in an arbitration, civil proceeding, self-regulatory proceeding, administrative proceeding, or a bankruptcy petition. GuidedMoney, LLC d/b/a Direct Financial Care Page 18 of 18