Dynamic Wealth Advisors

Item 1: Cover Page Part 2A of Form ADV: Firm Brochure August 2026 14749 W. Mountain View Blvd., Suite 144, Surprise, AZ 85374 623-466-6060 www.DynamicWealthMgt.com Firm Contact: Adam Carlini Chief Compliance Officer This brochure provides information about the qualifications and business practices of Dynamic Wealth Advisors, Inc. (“Dynamic Wealth Advisors” or “DWA”). If clients have any questions about the contents of this brochure, please contact us at 623-466-6060. 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. Additional information about our firm is also available on the SEC’s website at www.adviserinfo.sec.gov by searching CRD #169792. Please note that the use of the term “registered investment adviser” and description of our firm and/or our associates as “registered” does not imply a certain level of skill or training. Clients are encouraged to review this Brochure and Brochure Supplements for our firm’s associates who advise clients for more information on the qualifications of our firm and our employees.  Item 2: Material Changes Dynamic Wealth Advisors is required to notify clients of any information that has changed since the last annual update of the Firm Brochure (“Brochure”) that may be important to them. Clients can request a full copy of our Brochure or contact us with any questions that they may have about the changes. Since our last annual amendment filed on 06/30/2025, we do not have any material change(s) to report. ADV Part 2A – Firm Brochure Page 2 Dynamic Wealth Advisors  Item 3: Table of Contents Item 1: Cover Page .................................................................................................................................................................. 1 Item 2: Material Changes ...................................................................................................................................................... 2 Item 3: Table of Contents ..................................................................................................................................................... 3 Item 4: Advisory Business.................................................................................................................................................... 4 Item 5: Fees & Compensation ............................................................................................................................................. 6 Item 6: Performance-Based Fees & Side-By-Side Management ........................................................................... 8 Item 7: Types of Clients & Account Requirements .................................................................................................... 8 Item 8: Methods of Analysis, Investment Strategies & Risk of Loss ................................................................... 8 Item 9: Disciplinary Information .................................................................................................................................... 10 Item 10: Other Financial Industry Activities & Affiliations .................................................................................. 10 Item 11: Code of Ethics, Participation or Interest in ............................................................................................... 11 Item 12: Brokerage Practices ........................................................................................................................................... 11 Item 13: Review of Accounts or Financial Plans ....................................................................................................... 14 Item 14: Client Referrals & Other Compensation ..................................................................................................... 14 Item 15: Custody .................................................................................................................................................................... 15 Item 16: Investment Discretion ....................................................................................................................................... 16 Item 17: Voting Client Securities ..................................................................................................................................... 16 Item 18: Financial Information ........................................................................................................................................ 16 ADV Part 2A – Firm Brochure Page 3 Dynamic Wealth Advisors  Item 4: Advisory Business Dynamic Wealth Advisors (“DWA”) is a fee-based investment advisor specializing in dynamic (pro- active and adaptive) investment management. We are risk managers and strategists. Our approach is a holistic one involving a thorough review of each client’s goals, resources and comfort with risk before making investment recommendations. DWA offers a wide range of investment advisory services including financial planning, investment advice and asset management for consideration (fees) based on a percentage of assets under management. As fiduciaries, we place our clients’ interests above our own and are committed to helping our clients preserve, manage and grow their assets in a prudent manner and in accordance with their stated financial goals. Each client has his or her own unique account(s). Assets are held at independent custodians and are titled in each client’s individual name and are not commingled with any other client and are NOT held in the name of DWA. DWA is a corporation formed under the laws of the State of Arizona founded in 2012 and has been in business as an investment adviser since 2013. DWA is wholly owned by Adam Carlini. Mr. Carlini is also the Chief Investment Officer and President of DWA. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by DWA or its representatives. As a fiduciary, it is DWA’s duty to always act in the client’s best interest. This is accomplished in part by knowing our client. DWA makes its services available through independent financial professionals, individuals who are investment advisor representatives (“IAR” or may also be referred to in this document as simply “Advisor”) and who may also be licensed as securities registered representatives. Each IAR should provide his or her advisory clients with details of his or her background in a 2B Brochure Supplement, which should be included herein. If you have not received such 2B Brochure Supplement, please contact your advisor or DWA. Types of Advisory Services Offered Investment Management & Supervision Services: DWA offers discretionary management for a fee, based on a percentage of the assets managed. Services include ongoing monitoring of the account, selection of securities and execution of trades consistent with the client’s Investment Objective as declared in the Advisory Agreement and consistent with the Investment Policy Statement (“IPS”). Investment recommendations will be based on the IPS, which will be established based on each client’s goals, risk tolerance, time horizon, liquidity needs and tax considerations. Clients may have multiple accounts that are managed differently from one another for the purpose of diversification of investment style, maximization of tax benefits or to meet other stated goals. ADV Part 2A – Firm Brochure Page 4 Dynamic Wealth Advisors  There is no guarantee that the recommendations or trades will meet a client’s investment objective over any given timeframe. Past performance is not a guarantee of future results. While we seek to produce consistent returns in all market environments, investment performance will vary and there is the potential for capital losses in your account. DWA will rely on information provided by the client or third party statements provided by the client and is not under obligation to verify this information. The client is responsible to notify DWA of any material change in their goals or circumstances so that appropriate changes may be made regarding the management of their account(s). Advisor will deliver to the client or confirm that the custodian will deliver to the client, performance reports on at least an annual basis. The custodian will provide account statements directly to the client. DWA encourages the client to promptly review all such account statement information for accuracy and report any discrepancies. DWA will not have custody of client accounts, but will have limited authority through the Advisory Agreement to direct the custodian to deduct investment advisory fees. Fees will not be deducted more than 90 days in advance. For tax planning purposes, client may authorize and direct DWA to pay fees for one managed account from another managed account. We do not currently provide investment advice on Forex, Futures, or Commodities Contracts. Retirement Plan Consulting: DWA advisors may provide retirement plan consulting by assisting clients in establishing new or converting existing retirement plan accounts and/or offering allocation recommendations for existing plans not administered by DWA. Such services are only offered under an Advisory Agreement or Retirement Plan Advisory Agreement. Tailoring of Advisory Services Our firm offers individualized investment advice to our Investment Management clients. General investment advice will be offered to our Retirement Plan Consulting clients. Each Investment Management client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. Regulatory Assets Under Management Our firm manages $193,346,000 on a discretionary basis as of March 31st, 2026. ADV Part 2A – Firm Brochure Page 5 Dynamic Wealth Advisors  Item 5: Fees & Compensation Compensation for Our Advisory Services Investment Management Services: DWA charges a fee for providing Investment Management services. These services include investment consulting, portfolio design, monitoring, trade execution, allocation, investment supervision and other account management activities. The Investment Management, Portfolio Monitoring & Consulting Services fees are calculated and payable quarterly in advance, based on the portfolio value as of the last business day of the prior quarter as reported by the custodian. Fees are assessed on all assets under management, including securities, cash and money market funds. When accounts are first established, the initial fee will be prorated based on the days remaining before the end of the calendar quarter and the fee will begin when funds arrive in the account. Initially, there may be multiple days of funds arriving in the account and thus multiple pro- rations for each amount and time period until the end of the calendar quarter. All accounts managed by DWA for a single household may be aggregated to arrive at a lower overall rate to be charged on each of the individual accounts managed for the household. This figure will be reviewed annually for purposes of determining the overall rate to be charged. DWA reserves the right to review the aggregate value more frequently and on a case-by-case basis as an incentive for clients to bring more money under DWA management and thus reach a breakpoint. The table below illustrates the various maximum rates that would apply and breakpoints where fees are reduced. Fees are negotiable and may be lower than the standard schedule depending upon services provided by Advisor. Clients will be subject to the fee schedule disclosed in their signed Investment Management Advisory Agreement. Services are offered through the Investment Management Advisory Agreement. Investment Management, Portfolio Monitoring & Consulting Services Fees Standard Fee Schedule: Portfolio Assets Valued At First $250,000 Next $250,000 (up to $500,000) Next $250,000 (up to $750,000) Next $250,000 (up to $1 million) Next $2 million (up to $3 million) Amounts above $3 million Annualized Fee 2.00% 1.75% 1.50% 1.25% 1.00% 0.75% Fees will be deducted from client account(s). In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand the following: a) The client’s independent custodian sends statements at least quarterly showing the market values for each security included in the Assets and all account disbursements, including the amount of the advisory fees paid to our firm; ADV Part 2A – Firm Brochure Page 6 Dynamic Wealth Advisors  b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send an invoice directly to the custodian; and c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of information provided in our statement with those from the qualified custodian will be included. Retirement Plan Consulting: Retirement Plan consulting fees are negotiable depending upon the services offered by Advisor. Fees are payable as described in the Advisory Agreement. Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client. The maximum hourly fee to be charged will not exceed $250. Our flat fees range from $750 to $10,000. Fees based on a percentage of managed Plan assets will not exceed 1.00%. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting agreement. Other Types of Fees & Expenses The custodian may charge custodial fees, redemption fees, retirement plan fees and other administrative fees. Additionally, the custodian may charge ticket charges/commissions for trade executions. These amounts vary by custodian. Our recommended custodian, Charles Schwab & Co., Inc. (“Schwab”), does not charge transaction fees for U.S. listed equities and exchange traded funds. DWA does not share in these fees and has sought to minimize them by using multiple custodians. For certain types of investment strategies, the platform of one custodian may result in lower expenses than another and thus provide a cost savings to the client. The custodian will provide statements at least on a quarterly basis that show account value and activity including any custodial fees and any advisory fees charged. Clients may also pay holdings charges imposed by the chosen custodian for certain investments, charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), distribution fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of these fees. Termination & Refunds With written notice either the client or DWA may terminate these contracts at any time. The client would then receive a full pro-rata refund of unearned fees. Upon termination, we will have no further obligation, nor responsibility to act or to manage the corresponding account(s), and you will be responsible for monitoring and managing the account(s). Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing written notice to the other party. Full refunds will only be made in cases where cancellation occurs within 5 business days of signing an agreement. After 5 business days from initial signing, either ADV Part 2A – Firm Brochure Page 7 Dynamic Wealth Advisors  party must provide the other party 30 days written notice to terminate billing. Billing will terminate 30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which takes into account work completed by our firm on behalf of the client. Clients will incur charges for bona fide advisory services rendered up to the point of termination (determined as 30 days from receipt of said written notice) and such fees will be due and payable. Commissionable Securities Sales Our firm and representatives do not sell securities for a commission in advisory accounts. Item 6: Performance-Based Fees & Side-By-Side Management DWA does not receive a share of any gains produced in our clients’ managed accounts. Such sharing is known as performance-based fees. We do not charge performance-based fees. We only charge a fee based on the assets we manage as previously explained under “Fees & Compensation”. Item 7: Types of Clients & Account Requirements DWA provides advisory services and investment advice to individuals, pension plans, profit sharing plans, defined benefit plans, trusts and estates. Our minimum household account size is one that can invest at least $250,000 with us. We will consider smaller households when related to or referred by an existing client or on a case-by-case basis. Item 8: Methods of Analysis, Investment Strategies & Risk of Loss Methods of Analysis We use both fundamental analysis and technical analysis in the construction of our portfolios. We obtain our information from investment publications, online subscriptions, corporate press releases and filings, screening programs and charting programs, the research of others and our own proprietary research. We believe loss-avoidance is key. This is especially true with retirees whose time-frame is the shortest of the various investor types and thus they generally cannot afford a significant decline in their portfolios. Many advisors reduce risk by diversifying by asset type and further by owning baskets of securities so as to reduce individual security risk. We take diversification several steps further by diversifying also by strategy, by relative strength and by holding time-frame. We may also employ options to ADV Part 2A – Firm Brochure Page 8 Dynamic Wealth Advisors  hedge against market and security specific downside risk in special situations and we may also establish short positions to benefit from expected declines. Investment Strategies We Use We manage our clients’ accounts through models designed to meet specific investment goals. The models each take a different strategic approach to meeting their corresponding goals. They are organized under 3 categories which are Income, Trend Following Growth and Opportunistic Growth: 1) Income High Current Income—This model invests in securities that pay dividends or interest in excess of 5% and which we believe is sustainable. This model generally includes MLP’s, REITs, Option Income Funds, High Yield funds, floating rate funds, preferred stocks and closed-end income funds bought at a discount below their historic norm. This model is designed to produce steady, sustainable income but may experience short-term volatility and potential erosion of principal. Income with Growth— This model screens for quality, dividend-paying companies that have consistently paid and increased their dividends. We then screen for those with the strongest chart patterns, using proprietary screens and buy those stocks. We regularly re-run the screens and sell the stocks that have run up into technical resistance and buy those that are at support and rising. 2) Trend Following Growth ETF Relative Strength Rotation--We use a proprietary screen to find ETF’s (exchange- traded funds) that are relatively strong compared to their peers and exhibit lower relative volatility. We re-evaluate every month. This helps to keep us invested in the strongest, most stable sectors in up markets and has historically shifted holdings into the safer groups when the market is trending lower. Diversified Mutual Fund Model--Our traditional mutual fund model invests in different asset classes with the goal of staying invested in order to capture trends. 3) Opportunistic Growth Short-term swing trading strategy—Invests in stocks, ETFs and options. The goal of swing trading is to identify securities whose chart patterns exhibit a high probability of producing an upward move in a period of 1 to 3 weeks. We will hold a fair amount in cash when no high probability trades are identified. In other words, we seek to “Only swing at the good pitches”. We may use cash protected puts and various forms of arbitrage to improve returns on cash. We may employ option spreads to capture expected sharp movements. May also be employed using an ETF or mutual fund model in place of cash for those desiring to be fully invested at all times. S&P 500 Lower Volatility Opportunistic Growth--Similar to the strategy above, but only invests in large-cap companies that are part of the S&P 500 index or of similar quality (considered “Blue chip”). This strategy is expected to result in lower returns than the strategy above, but with the expected benefit of lower volatility as well. ADV Part 2A – Firm Brochure Page 9 Dynamic Wealth Advisors  To determine which strategies to use and how to combine them we first we create a financial plan for each prospective client. We analyze their financial situation—goals, resources, timeframes, liquidity needs, need for income or growth, risk tolerance, tax circumstances, etc. We then model a retirement cash-flow projection and determine the minimum rate of return needed to avoid running out of money under various scenarios. We add a cushion of 1 to 2 percent to this figure. Then we consider what combination of portfolio strategies might best produce the desired return with the least amount of risk. Next we run a tax screen to determine which strategies work best in the types of accounts (IRA, Roth IRA, Trust, etc.) that are available to the client. Normally investments that produce short-term gains, interest or ordinary income are better to hold inside of IRA’s. Qualified Dividend payers and long- term gain assets are generally better in taxable accounts. Strategies that seek to produce short-term gains also can be excellent in taxable accounts if there are significant loss carryovers which can be combined with the short-term gains to make them effectively tax-free. Finally, high growth, short-term gain strategies tend to fit well inside of Roth IRA’s. Risk of Loss There are multiple risks including unforeseen risks that can wreak havoc on any portfolio strategy. Investing involves risk. We seek to identify and mitigate the risks that we perceive as most likely but there can be no assurance that our strategies will work. Past performance does not guarantee future results. Loss of principal is possible. Item 9: Disciplinary Information Registered Investment Advisors are required to disclose all material facts regarding any legal or disciplinary events that would be material to you evaluation of DWA or the integrity of DWA management personnel. No events have occurred at DWA and none have occurred with any of its officers that are applicable to this item. Item 10: Other Financial Industry Activities & Affiliations Representatives of our firm are licensed insurance agents. As a result of these transactions, they receive normal and customary commissions. A conflict of interest exists as these commissionable sales create an incentive to recommend products based on the compensation earned. To mitigate this potential conflict, our firm will act in the client’s best interest. Representatives of our firm are Certified Public Accountants. In such capacity, they also provide income tax preparation or accounting services. These services are independent of our financial planning and investment advisory services and are governed under a separate engagement agreement. ADV Part 2A – Firm Brochure Page 10 Dynamic Wealth Advisors  Adam Carlini also provides estate and income tax planning and preparation in his individual financial practice through his other company, Dynamic Wealth Management. This activity takes up less than 10% of his time. These services are independent of our financial planning and investment advisory services and are governed under a separate engagement agreement. Item 11: Code of Ethics, Participation or Interest in Client Transactions & Personal Trading DWA maintains an Investment Advisory Code of Ethics based on ethical conduct and fundamental principles of good faith, fair dealing, integrity, honesty, and full and fair disclosure. DWA Advisors acknowledge in writing that they will follow DWA's Code of Ethics. For a copy of the Code of Ethics please contact DWA or your Advisor. In summary, DWA's Code of Ethics: (1) Requires full and fair disclosure of all material elements of the investment advisory relationship with the Client; (2) Requires compliance with certain Policies on Personal Securities Trading, which, in general: (a) Prohibit an Advisor from trading a security before a Client; and (b) prohibit an Advisor from opening or having a personal securities trading account without DWA’s prior approval; (3) Prohibits an Advisor from acting on or distributing material, nonpublic information; (4) Prohibits an Advisor from participating in an initial public offering without prior written approval from DWA’s President. Item 12: Brokerage Practices Selecting a Brokerage Firm While our firm does not maintain physical custody of client assets, we are deemed to have custody of certain client assets if given the authority to withdraw assets from client accounts (see Item 15 Custody, below). Client assets must be maintained by a qualified custodian. Our firm seeks to recommend a custodian who will hold client assets and execute transactions on terms that are overall most advantageous when compared to other available providers and their services. The factors considered, among others, are these: • Timeliness of execution • Timeliness and accuracy of trade confirmations • Research services provided • Ability to provide investment ideas • Execution facilitation services provided • Record keeping services provided • Custody services provided • Frequency and correction of trading errors ADV Part 2A – Firm Brochure Page 11 Dynamic Wealth Advisors  • Ability to access a variety of market venues • Expertise as it relates to specific securities • Financial condition • Business reputation • Quality of services With this in consideration, our firm recommends Charles Schwab & Co., Inc. (“Schwab”) as a custodian. Schwab offers services to independent investment advisers which includes custody of securities, trade execution, clearance and settlement of transactions. Schwab enables us to obtain many no-load mutual funds without transaction charges and other no-load funds at nominal transaction charges. Schwab does not charge client accounts separately for custodial services. Client accounts will be charged transaction fees, commissions or other fees on trades that are executed or settle into the client’s custodial account. Transaction fees may be charged via individual transaction charges. These fees are negotiated with Schwab and are generally discounted from customary retail commission rates. This benefits clients because the overall fee paid is often lower than would be otherwise. Schwab may make certain research and brokerage services available at no additional cost to our firm. Research products and services provided by Schwab may include: research reports on recommendations or other information about particular companies or industries; economic surveys, data and analyses; financial publications; portfolio evaluation services; financial database software and services; computerized news and pricing services; quotation equipment for use in running software used in investment decision-making; and other products or services that provide lawful and appropriate assistance by Schwab to our firm in the performance of our investment decision-making responsibilities. The aforementioned research and brokerage services qualify for the safe harbor exemption defined in Section 28(e) of the Securities Exchange Act of 1934. Schwab does not make client brokerage commissions generated by client transactions available for our firm’s use. The aforementioned research and brokerage services are used by our firm to manage accounts for which our firm has investment discretion. Without this arrangement, our firm might be compelled to purchase the same or similar services at our own expense. As part of our fiduciary duty to our clients, our firm will endeavor at all times to put the interests of our clients first. Clients should be aware, however, that the receipt of economic benefits by our firm or our related persons creates a potential conflict of interest and may indirectly influence our firm’s choice of Schwab as a custodial recommendation. Our firm examined this potential conflict of interest when our firm chose to recommend Schwab and have determined that the recommendation is in the best interest of our firm’s clients and satisfies our fiduciary obligations, including our duty to seek best execution. Our clients may pay a transaction fee or commission to Schwab that is higher than another qualified broker dealer might charge to effect the same transaction where our firm determines in good faith that the commission is reasonable in relation to the value of the brokerage and research services provided to the client as a whole. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker-dealer’s services, including the value of research provided, execution capability, commission ADV Part 2A – Firm Brochure Page 12 Dynamic Wealth Advisors  rates, and responsiveness. Although our firm will seek competitive rates, to the benefit of all clients, our firm may not necessarily obtain the lowest possible commission rates for specific client account transactions. Soft Dollars Our firm does not receive soft dollars in excess of what is allowed by Section 28(e) of the Securities Exchange Act of 1934. The safe harbor research products and services obtained by our firm will generally be used to service all of our clients but not necessarily all at any one particular time. Brokerage for Client Referrals Our firm does not receive brokerage for client referrals. Directed Brokerage Neither our firm nor any of our firm’s representatives have discretionary authority in making the determination of the brokers-dealers and/or custodians with whom orders for the purchase or sale of securities are placed for execution, and the commission rates at which such securities transactions are effected. Our firm routinely recommends/ that clients direct us to execute through a specified broker-dealer. Our firm recommends the use of Schwab. Each client will be required to establish their account(s) with Schwab if not already done. Please note that not all advisers have this requirement. Special Considerations for ERISA Clients A retirement or ERISA plan client may direct all or part of portfolio transactions for its account through a specific broker or dealer in order to obtain goods or services on behalf of the plan. Such direction is permitted provided that the goods and services provided are reasonable expenses of the plan incurred in the ordinary course of its business for which it otherwise would be obligated and empowered to pay. ERISA prohibits directed brokerage arrangements when the goods or services purchased are not for the exclusive benefit of the plan. Consequently, our firm will request that plan sponsors who direct plan brokerage provide us with a letter documenting that this arrangement will be for the exclusive benefit of the plan. Trade Aggregation Because we manage using predefined models, most of our trades are block trades made on behalf of all or substantially all clients who have selected the same model. A block trade involves entering one large trade and allocating shares among multiple Client accounts. This may facilitate more timely execution as well as a more equitable and efficient approach to achieving favorable price execution for a group of Clients. Clients participating in any such block or aggregated transactions will receive an average share price on a pro-rata basis. ADV Part 2A – Firm Brochure Page 13 Dynamic Wealth Advisors  Item 13: Review of Accounts or Financial Plans DWA reviews holdings in its investment models on a continual basis. Advisors review individual Investment Management client accounts quarterly to determine whether the models, positions, transactions, and strategies are consistent with the Client's stated investment objective(s). Advisors review accounts with each Client in person or by phone, if necessary, on an ongoing basis. Reviews occur at least annually and generally follow a predetermined schedule based on each Client's preferences. Clients may request a review of accounts with their Advisor at any time. Our firm does not provide written reports to clients, unless asked to do so. Additionally, certain events such as market downturns may lead an Advisor to have more frequent account reviews and/or more frequent Client communication. Periodically DWA employees and officers may also review accounts for consistency with stated Client objectives. Retirement Plan Consulting clients receive reviews of their retirement plans for the duration of the service. Our firm also provides ongoing services where clients are met with upon their request to discuss updates to their plans, changes in their circumstances, etc. Retirement Plan Consulting clients do not receive written or verbal updated reports regarding their plans unless they choose to engage our firm for ongoing services. Item 14: Client Referrals & Other Compensation Schwab Neither DWA nor its advisors receive other compensation related to any advisory accounts other than the compensation described in the investment advisory contract. However, out of an abundance of caution to provide disclosure we make the following observation: The custodians we choose to work with may provide ancillary products and services that benefit us but may not directly benefit your account(s). This could be construed as a form of compensation and potential conflict of interest. Many of these other products and services assist us in managing and administering your account(s). These include, but are not limited to, software that facilitates trade execution (and allocation of block trades for multiple accounts), provides access to account data (such as trade confirmations, account statements and tax information), provides research and market data, facilitates payment of our fees from your account, and assists with recordkeeping, reporting and other back-office functions. The custodians also make available to us other services intended to help us manage and further develop our business. These services may include consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, investment management and marketing. ADV Part 2A – Firm Brochure Page 14 Dynamic Wealth Advisors  In addition, the custodians may make available, arrange and/or pay for these services provided to us by third parties. The custodians may discount or waive fees that they would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to us. As a fiduciary, we endeavor to act in your best interest. Our recommendation that you maintain your assets in accounts at one of our recommended custodians may be based in part on the benefit to us or the availability of some of the foregoing products and services and not solely on the nature, cost or quality of custody and brokerage services provided by the custodian. As a mitigating factor, we point out that other custodians provide similar, if not equivalent, services and benefits to the advisors who work with them. Referral Fees We may enter into written referral agreements with qualified third parties by which the third party may refer clients to us. Should those referred individuals become advisory clients of DWA, we agree to pay the third party a referral fee equal to a percentage of fees received by us from the referred client(s). Those who refer clients to us in exchange for compensation must be duly licensed as IAR’s and approved by DWA. They must agree to abide by the policies, procedures and code of ethics the same as all advisors who work with us. The fee to be paid by DWA will be borne entirely by DWA and there will be no additional fee, cost or expense to the referred client resulting from the referral agreement. All referral agreements will be governed by and comply with Rule 206(4)-3 under the Investment Advisers Act of 1940. Item 15: Custody Deduction of Advisory Fees: DWA does not take custody of your account(s). Client assets are held at custodians independent of DWA. This important protection ensures that your account(s) are not commingled with those of DWA or of any of our other clients. Your account(s) are entirely separate and distinct. You are able to directly access your account information from the custodian online and confirm all transactions and activity in your account(s). We have carefully chosen the custodians we work with and consider them best in class. Third Party Money Movement: On February 21, 2017, the SEC issued a no‐action letter (“Letter”) with respect to Rule 206(4)‐2 (“Custody Rule”) under the Investment Advisers Act of 1940 (“Advisers Act”). The letter provided guidance on the Custody Rule as well as clarified that an adviser who has the power to disburse client funds to a third party under a standing letter of authorization (“SLOA”) is deemed to have custody. As such, our firm has adopted the following safeguards in conjunction with our custodian: ADV Part 2A – Firm Brochure Page 15 Dynamic Wealth Advisors  • The client provides an instruction to the qualified custodian, in writing, that includes the client’s 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. • The client authorizes the investment adviser, in writing, either on the qualified custodian’s form or separately, to direct transfers to the third party either on a specified schedule or from time to time. • The client’s qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the client’s authorization, and provides a transfer of funds notice to the client promptly after each transfer. • The client has the ability to terminate or change the instruction to the client’s qualified custodian. • The investment adviser has no authority or ability to designate or change the identity of the third party, the address, or any other information about the third party contained in the client’s instruction. • The investment adviser maintains records showing that the third party is not a related party of the investment adviser or located at the same address as the investment adviser. • The client’s qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction. Item 16: Investment Discretion Our firm manages accounts on a discretionary basis. After you sign an agreement with our firm, we’re allowed to buy and sell investments in your account without asking you in advance. Any limitations will be described in the signed advisory agreement. We will have discretion until the advisory agreement is terminated by you or our firm. Item 17: Voting Client Securities DWA does not vote client proxies. We will direct the custodians to send all proxy materials to your attention. If we inadvertently receive proxy materials, we will make an effort to forward them to you in a timely manner. However, we will not be held responsible for adverse events as a result of proxy materials being incorrectly sent to us by the custodian. Item 18: Financial Information Our firm is not required to provide financial information in this Brochure because: • Our firm does not require the prepayment of more than $1,200 in fees when services cannot be rendered within 6 months. • Our firm does not take custody of client funds or securities. ADV Part 2A – Firm Brochure Page 16 Dynamic Wealth Advisors  • Our firm does not have a financial condition or commitment that impairs our ability to meet contractual and fiduciary obligations to clients. • Our firm has never been the subject of a bankruptcy proceeding. ADV Part 2A – Firm Brochure Page 17 Dynamic Wealth Advisors