HEMMING& WEALTH MANAGEMENT, INC.

hemming& Wealth Management, Inc. Form ADV Part 2A – Disclosure Brochure Effective: July 16, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact hemming& Wealth Management at (231) 922-2900. hemming& Wealth Management is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about hemming& Wealth Management to assist you in determining whether to retain the Advisor. Additional information about hemming& Wealth Management and its Advisory Persons are available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 300918. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax: (231) 922-2904 https://hemmingwm.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about Advisory Persons of hemming& Wealth Management. For convenience, the Advisor has combined these documents into a single disclosure document. hemming& Wealth Management believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. hemming& Wealth Management encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on July 16, 2025: ● The Advisor has updated its fees for its sub-advisory relationship. Please see Item 5 for additional information. ● The Advisor has updated Item 5 to include its fee schedule for Retirement Plan Advisory Services. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching for the Advisor’s firm name or CRD# 300918. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (231) 922-2900. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services .................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................ 4 B. Advisory Services Offered ............................................................................................................................................. 4 C. Client Account Management ......................................................................................................................................... 6 D. Wrap Fee Programs ...................................................................................................................................................... 6 E. Assets Under Management ........................................................................................................................................... 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................ 6 B. Fee Billing ...................................................................................................................................................................... 8 C. Other Fees and Expenses ............................................................................................................................................. 8 D. Advance Payment of Fees and Termination ................................................................................................................. 9 E. Compensation for Sales of Securities ........................................................................................................................... 9 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 9 Item 7 – Types of Clients ..................................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ......................................................... 10 A. Methods of Analysis .................................................................................................................................................... 10 B. Risk of Loss ................................................................................................................................................................. 10 Item 9 – Disciplinary Information ........................................................................................................................ 11 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 12 A. Code of Ethics ............................................................................................................................................................. 12 B. Personal Trading with Material Interest ....................................................................................................................... 12 C. Personal Trading in Same Securities as Clients ......................................................................................................... 12 D. Personal Trading at Same Time as Client ................................................................................................................... 12 Item 12 – Brokerage Practices ............................................................................................................................ 12 A. Recommendation of Custodian[s] ............................................................................................................................... 12 B. Aggregating and Allocating Trades ............................................................................................................................. 13 Item 13 – Review of Accounts ............................................................................................................................. 14 A. Frequency of Reviews ................................................................................................................................................. 14 B. Causes for Reviews ..................................................................................................................................................... 14 C. Review Reports ............................................................................................................................................................ 14 Item 14 - Client Referrals and Other Compensation ......................................................................................... 14 A. Compensation Received by hemming& Wealth Management .................................................................................... 14 B. Compensation for Client Referrals .............................................................................................................................. 15 Item 15 – Custody ................................................................................................................................................ 15 Item 16 – Investment Discretion ......................................................................................................................... 15 Item 17 – Voting Client Securities ...................................................................................................................... 15 Item 18 – Financial Information .......................................................................................................................... 15 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 16 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 19 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 22 Form ADV Part 2B – Brochure Supplement ...................................................................................................... 25 Privacy Policy ....................................................................................................................................................... 27 hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 3  Item 4 – Advisory Services A. Firm Information hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). hemming& Wealth Management was organized as a Corporation under the laws of the State of Michigan in February 2007 and became a registered investment advisor in March 2019. hemming& Wealth Management is owned and operated by Dawn M. Hemming (Founder and President) and Autumn C. Soltysiak (Vice President). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by hemming& Wealth Management. For information regarding this Disclosure Brochure, please contact Jena Posey (Chief Compliance Officer) at (231) 922-2900. B. Advisory Services Offered hemming& Wealth Management offers investment advisory services to individuals, high net worth individuals, families, trusts, charitable organizations, businesses and retirement plans (each referred to as a “Client”). hemming& Wealth Management serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. hemming& Wealth Management’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services hemming& Wealth Management works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. hemming& Wealth Management will construct investment portfolios through the Advisor’s internal investment management and/or the use of unaffiliated investment managers or investment platforms. Please see below. Internal Investment Management – hemming& Wealth Management constructs investment portfolios utilizing exchange-traded funds (“ETFs”), mutual funds, individual equity securities, individual and fixed income securities and other types of investments, as appropriate, to meet the needs of each Client. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and Client. At no time will hemming& Wealth Management accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices for additional information. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 4  Participant Account Management (Pontera) As part of the Advisor’s Investment Management Services, when appropriate, the Advisor will use a third-party platform, Pontera Solutions, Inc. (“Pontera”), to facilitate management of held away assets such as defined contribution plan participant accounts, with investment discretion. The platform enables the Advisor to gain access to Client account without having access through the Client’s credentials. This independent advisor access ensures that the Advisor will not have custody of Client funds or securities when implementing trades for the Client. The Advisor is not affiliated with the platform in any way and receives no compensation from the platform. A link will be provided to the Client allowing them to connect their account[s] to the platform for the Advisor’s secure access. Financial Planning Services Financial Planning Services are at the core of the Client relationship with hemming& Wealth Management. hemming& Wealth Management will provide financial planning and consulting services as a stand-alone service to Clients pursuant to a written financial planning agreement. Services are offered in several areas depending on the Client’s goals, objectives and financial circumstances. Services may be for a defined scope or an ongoing engagement. Generally, such financial planning services will involve a written report which provides the Client with a detailed financial plan to assist the Client in achieving his or her financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, financial position, tax considerations, employee benefits, investment analysis, insurance analysis, retirement analysis, death and disability considerations, and estate planning. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly by the Client. Financial planning and consulting recommendations may pose a conflict between the interests of the Advisor and the interests of the Client. Implementation of financial planning recommendations is entirely at the Client’s discretion. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. hemming& Wealth Management will work with Clients to implement recommendations and referrals to other professionals may be made where appropriate to meet the Client’s needs. Retirement Plan Advisory Services hemming& Wealth Management provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services available include: Investment Policy Statement (“IPS”) Support ● Ongoing Investment Oversight and Recommendations (ERISA 3(21)) ● Vendor Analysis ● Employee Enrollment and Education Tracking ● ● Performance Reports These services are provided by the Advisor serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of the Advisor’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. Sub-Advisory Relationship - Broker-Dealer hemming& Wealth Management provides investment consulting services to brokerage customers (herein “Brokerage Customers”) of Mutual Securities, Inc. (herein “MSI”) who provide written consent requesting to receive the Advisor’s consulting services, pursuant to a written agreement with hemming& Wealth Management. Consulting services are strictly on products Clients have purchased through Mutual Securities, Inc. Please see Item 10 – Other Financial Industry Activities and Affiliations for additional details. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 5  C. Client Account Management Prior to engaging hemming& Wealth Management to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: ● Establishing an Investment Strategy – hemming& Wealth Management, in connection with the Client, will develop an investment strategy that seeks to achieve the Client’s goals and objectives. ● Portfolio Construction – hemming& Wealth Management will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. ● Investment Management and Supervision – hemming& Wealth Management will provide investment management and ongoing oversight of the Client’s investment portfolio. hemming& Wealth Management will review Client portfolios at least annually. ● Financial Planning – hemming& Wealth Management provides initial and ongoing planning services, to assist Clients in meeting the financial goals. D. Wrap Fee Programs hemming& Wealth Management does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by hemming& Wealth Management. E. Assets Under Management As of December 31, 2024, hemming& Wealth Management manages $253,122,835 in Client assets, $242,737,420 of which are managed on a discretionary basis and $10,385,415 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid monthly, at the end of each month, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management during each month. Fees are based on the following schedule: Assets Under Management Up to $250,000 $250,001 to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $4,000,000 $4,000,001 to $6,000,000 $6,000,001 to $8,000,000 Over $8,000,000 Annual Rate (%) 1.50% 1.40% 1.25% 1.00% 0.75% 0.50% 0.40% Negotiable The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with Advisor. All securities held in accounts hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 6  managed by hemming& Wealth Management will be independently valued by the Custodian. hemming& Wealth Management will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing. The Client may make additions or withdrawals from the account[s] at any time, subject to the Advisor’s right to terminate an account or the overall relationship. Additions may be in cash or securities provided that the Advisor reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to hemming& Wealth Management, subject to the usual and customary securities settlement procedures. However, withdrawals from the Client's account[s] may impede the Advisor's ability to implement the investment strategy designed for the Client. Clients are advised that when such securities are liquidated, they may be subject to securities transaction fees, short-term redemption fees, and/or tax ramifications. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. For accounts with American Funds as the custodian where advisory fees are paid from that account, fees are based on the following fee schedule: Assets Under Management Up to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $4,000,000 $4,000,001 to $8,000,000 Over $8,000,000 Annual Rate (%) 1.40% 1.25% 1.00% 0.75% 0.50% Negotiable Fees shall be calculated by AFS for each quarterly period ending the last business day of February, May, August, and November and shall be the product of (i) the rate selected by the Firm above, (ii) the average daily net asset value of the Client’s assets invested in the Fund through the Program during the quarter; divided by , (iii) the number of days in the year multiplied by the number of days in the quarter. The fees shall be paid within thirty (30) days following the end of the quarter for which such fees are payable. Financial Planning Services hemming& Wealth Management may include financial planning services as part of the overall investment advisory fee or it may be offered separately. Project-based financial planning engagements may be offered at an hourly rate of up to $250 or a fixed engagement fee. Ongoing financial planning engagements are offered for a fixed quarterly fee, payable in advance of each quarter. Fees are based on the scope of services to be provided. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and/or costs will be provided prior to establishing the advisory relationship. Retirement Plan Advisory Services Fees for retirement plan advisory services are paid monthly or quarterly, in advance or in arrears for the billing period, pursuant to the terms of the retirement plan services agreement. Retirement plan advisory services fees are based on the fair market value of assets under management during each month or quarter. Fees are based on the following schedule: Assets Under Management Up to $250,000 $250,001 to $1,000,000 $1,000,001 to $3,000,000 Over $3,000,001 Annual Rate (%) 1.00% 0.75% 0.50% Negotiable hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 7  The retirement plan advisory service fees in the first month or quarter of service is prorated from the inception date of the account[s] to the end of the first month or quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with Advisor. Sub-Advisory Relationship - Broker-Dealer hemming& Wealth Management receives an advisory fee based on the assets under MSI’s management from Brokerage Customers who have provided written consent to a MSI to receive the consulting service from hemming& Wealth Management. The advisory fee is calculated from the assets under MSI’s management as of the end of a calendar quarter period multiplied by the annualized rate of 22 basis points. The initial fee is paid only after the completion of one full calendar quarter period following the date of the executed agreement with MSI. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the respective month end date. The amount due is calculated by applying the monthly rate (annual rate divided by 12) to the total assets under management with hemming& Wealth Management at the end of each month. Clients will be provided with a statement, generally monthly, from the Custodian reflecting deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting hemming& Wealth Management to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Financial Planning Services Financial planning fees for project-based engagements are invoiced by the Advisor up to fifty percent (50%) upon the execution of the financial planning agreement with the balance due upon completion of the agreed upon deliverable[s]. Financial planning fees for ongoing engagements are invoiced in advance of each quarterly period. Retirement Plan Advisory Services Fees are typically deducted from the assets of the Plan in arrears or advance of each calendar month or quarter, based on the market value in each Plan Participant’s account at the end of the prior month or quarter. Fees may also be directly invoiced to the Plan Sponsor upon request. Sub-Advisory Relationship - Broker-Dealer MSI shall pay hemming& Wealth Management for its consulting services on or before thirty (30) days past the end of each calendar quarter. C. Other Fees and Expenses All fees paid to hemming& Wealth Management for investment advisory or financial planning services are separate and distinct from any and all other fees and expenses charged by broker-dealers/custodians, plan administrators, or any other expense associated with the Client’s account[s]. The Advisor's recommended Custodian does not charge securities transaction fees for ETF, certain mutual funds and equity trades in a Client's account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for certain mutual funds and other types of investments. These fees are described in the prospectus for each mutual fund or ETF. The Custodian charges for certain services, e.g. wire transfers. See Item 12 – Brokerage Practices for additional information. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 8  D. Advance Payment of Fees and Termination Investment Management Services hemming& Wealth Management is compensated for its investment advisory services at the end of the month after investment advisory services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services hemming& Wealth Management may be partially compensated for its financial planning serves at the start of the engagement. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for the percentage of the engagement scope completed by the Advisor. Hourly engagements will be billed the actual hours worked by the Advisor. Ongoing engagements are based on the actual days worked in the current period. Upon termination, the Advisor will promptly refund any unearned, prepaid fees. The Client’s financial planning agreement with the Advisor is non- transferable without the Client’s prior consent. Retirement Plan Advisory Services hemming& Wealth Management may be compensated for its retirement plan advisory services in advance of each calendar month or quarter. Either party may terminate the retirement plan advisor agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the retirement plan advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Advisor shall promptly refund any unearned, prepaid fees. The Client’s retirement plan services agreement with the Advisor is non-transferable without the Client’s prior consent. Sub-Advisory Relationship - Broker-Dealer Either party may terminate the consulting agreement by providing thirty (30) days advance written notice to the other party. The Advisor will be entitled to fees up to the date of termination. E. Compensation for Sales of Securities hemming& Wealth Management does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Certain Advisory Persons are also licensed as independent insurance professionals. Advisory persons will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by an Advisory Person are separate and in addition to hemming& Wealth Management’s advisory fees. This practice presents a conflict of interest as Advisory Persons have an incentive to recommend insurance products for the purpose of generating commissions rather than solely based on Client needs. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any person affiliated with the Advisor. Item 6 – Performance-Based Fees and Side-By-Side Management hemming& Wealth Management does not charge performance-based fees for its investment advisory services. The fees charged by hemming& Wealth Management are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 9  hemming& Wealth Management does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients hemming& Wealth Management offers investment advisory services to individuals, high net worth individuals, families, trusts, charitable organizations, businesses and retirement plans. hemming& Wealth Management generally requires a minimum size of $500,000 for establishing a relationship. hemming& Wealth Management may wave the minimum at its sole discretion. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis hemming& Wealth Management primarily employs fundamental analysis in developing investment strategies for its Clients. Research and analysis from hemming& Wealth Management is derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental Analysis involves evaluating a security using real data such as company revenues, earnings, return on equity, and profit margins to determine underlying value and potential growth. Fundamental analysis may involve interest rate risk, market risk, business risk, and financial risk. As noted above, hemming& Wealth Management generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. hemming& Wealth Management will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, hemming& Wealth Management may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. hemming& Wealth Management will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 10  The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving hemming& Wealth Management or its owner. hemming& Wealth Management values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider the Client engages. The backgrounds of the Advisor and Advisory Persons are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 300918. Item 10 – Other Financial Industry Activities and Affiliations Sub-Advisory Relationship - Broker-Dealer hemming& Wealth Management has an agreement with MSI to provide investment consulting services to Brokerage Customers, as noted in Item 4 – Advisory Services above. MSI compensates hemming& Wealth Management for providing consulting services to Clients who have purchased products through MSI. This consulting arrangement does not include assuming discretionary authority over Brokerage Customers’ brokerage accounts or the monitoring of securities. These consulting services offered to Brokerage Customers includes a general review of Brokerage Customers’ investment holdings, which will result in hemming& Wealth Management’s Advisory Persons making specific securities recommendations or offering general investment advice. This relationship presents conflicts of interest. Potential conflicts are mitigated by Brokerage Customers consenting to receive consulting services from hemming& Wealth Management. In addition, hemming& Wealth Management will not accept or bill for additional compensation on asset under MSI’s management, beyond the advisory fees disclosed in Item 5 above. Advisory Persons of the Advisor will not engage or hold itself as a registered representative of MSI, as Advisory Persons are not registered to conduct commission based activities under a broker-dealer. Insurance Agency Affiliations Certain Advisory persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart an Advisory Person’s role with hemming& Wealth Management. As an insurance professional, an Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 11  advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisor or any of its Advisory Persons. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics hemming& Wealth Management has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with hemming& Wealth Management (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding our duties to the Client. hemming& Wealth Management and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of hemming& Wealth Management’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (231) 922-2900. B. Personal Trading with Material Interest hemming& Wealth Management allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. hemming& Wealth Management does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. hemming& Wealth Management does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients hemming& Wealth Management allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons has a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by hemming& Wealth Management requiring reporting of personal securities trades by its Access Persons for review by the Chief Compliance Officer (“CCO”). The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While hemming& Wealth Management allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will hemming& Wealth Management, or any Supervised Person of hemming& Wealth Management, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] hemming& Wealth Management does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize hemming& Wealth Management to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, hemming& Wealth Management does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 12  Where hemming& Wealth Management does not exercise discretion over the selection of the Custodian, it may recommend the Custodian[s] to Clients. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost associated with using a broker-dealer/custodian not recommended by hemming& Wealth Management. However, if the recommended Custodian is not utilized the Advisor may be limited in the services it can provide to the Client comparable to other Clients. hemming& Wealth Management may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, its reputation, and/or location of the Custodian’s offices. hemming& Wealth Management will generally recommend that Clients establish their account[s] at Fidelity Clearing and Custody Solutions and related divisions and entities of Fidelity Investments, Inc., including National Financial Services LLC, and Fidelity Brokerage Services LLC (collectively “Fidelity”), a FINRA-registered broker- dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodian.” hemming& Wealth Management maintains an institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Fidelity. hemming& Wealth Management has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity platform is provided at no charge to the Advisor. The Fidelity platform includes brokerage, custody, administrative support, record keeping, technology, and related services designed to support registered investment advisors like hemming& Wealth Management in serving Clients. These services are intended to serve the best interests of the Advisor’s Clients. Fidelity may charge brokerage commissions (securities transaction fees) for effecting certain securities transactions. Fidelity enables the Advisor to obtain certain no-load mutual funds without securities transaction fees and other no-load funds at nominal transaction charges. Fidelity’s commission rates are generally considered discounted from customary retail commission rates. However, the commissions and transaction fees charged by Fidelity may be higher or lower than those charged by other custodians and broker-dealers. Please see Item 14 below for additional information. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. hemming& Wealth Management does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from Fidelity. Please see Item 14. 2. Brokerage Referrals - hemming& Wealth Management does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where hemming& Wealth Management will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s], unless separately instructed by the Client. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In selecting the Custodian, hemming& Wealth Management will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results considering such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. hemming& Wealth Management will execute its transactions through the Custodian as authorized by the Client. hemming& Wealth Management may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 13  securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of hemming& Wealth Management and periodically by the CCO. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify hemming& Wealth Management if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 - Client Referrals and Other Compensation A. Compensation Received by hemming& Wealth Management hemming& Wealth Management may refer Clients to various unaffiliated professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, hemming& Wealth Management may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform As noted in item 12, hemming& Wealth Management has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Advisor, at no additional charge to the Advisor, certain research and brokerage services, including research services obtained by Fidelity directly from independent research companies. The Advisor may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Advisor may have an incentive to continue to use or expand the use of Fidelity's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Fidelity. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 14  In addition, Fidelity has provided the Advisor with financial support in the launch of the Advisor and reimbursements for various third-party service providers. B. Compensation for Client Referrals hemming& Wealth Management does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody All Clients must place their assets with a “qualified custodian”. Clients are required to engage the Custodian to retain their funds and securities and direct hemming& Wealth Management to utilize that Custodian for the Client’s security transactions. hemming& Wealth Management does not accept or maintain custody of any Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom hemming& Wealth Management exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct hemming& Wealth Management to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by hemming& Wealth Management to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Money Movement Authorization - For instances where Clients authorize hemming& Wealth Management to move funds between their accounts, hemming& Wealth Management and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion hemming& Wealth Management generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by hemming& Wealth Management. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by hemming& Wealth Management will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities hemming& Wealth Management does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. If the Client elects to direct proxies to the Advisor, such election does not result in the authority for the Advisor to vote such proxies. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither hemming& Wealth Management, nor its management, have any adverse financial situations that would reasonably impair the ability of hemming& Wealth Management to meet all obligations to its Clients. Neither hemming& Wealth Management, nor any of its advisory persons, has been subject to a bankruptcy or financial compromise. hemming& Wealth Management is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect fees of $1,200 or more for services to be performed six months or more in advance. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 15  Form ADV Part 2B – Brochure Supplement for Dawn M. Hemming Founder and President Effective: July 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Dawn M. Hemming (CRD# 2243857) in addition to the information contained in the hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”, CRD# 300918) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the hemming& Wealth Management Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (231) 922-2900. Additional information about Ms. Hemming is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 2243857. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 16  Item 2 – Educational Background and Business Experience Dawn M. Hemming, born in 1958, is dedicated to advising Clients of hemming& Wealth Management as the Founder, President and Chief Compliance Officer. Ms. Hemming earned her MBA from Lake Superior State University in 1990. Ms. Hemming also earned a B.A. in Education from Michigan State University in 1980. Additional information regarding Ms. Hemming’s employment history is included below. Employment History: 04/2024 to Present 02/2019 to 04/2024 Founder & President, hemming& Wealth Management, Inc. Founder, President, and Chief Compliance Officer, hemming& Wealth Management, Inc. Financial Advisor, Sagepoint Financial, Inc. Financial Advisor, American General Securities, Inc. Financial Advisor, Chubb Securities Corporation 10/2008 to 03/2019 03/1997 to 10/2008 06/1992 to 03/1997 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Hemming. Ms. Hemming has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Hemming. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Hemming. However, we do encourage you to independently view the background of Ms. Hemming on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 2243857. Item 4 – Other Business Activities Insurance Agency Affiliations Ms. Hemming is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart Ms. Hemming’s role with hemming& Wealth Management. As an insurance professional, Ms. Hemming will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. Hemming is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Ms. Hemming or the Advisor. Item 5 – Additional Compensation Ms. Hemming has additional business activities where compensation is received, that are detailed in Item 4 above. Item 6 – Supervision Ms. Hemming serves as the Founder and President of hemming& Wealth Management and is supervised by Jena Posey, the Chief Compliance Officer. Mrs. Posey can be reached at (231) 922-2900. hemming& Wealth Management has implemented a Code of Ethics an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of hemming& Wealth Management. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 17  Further, hemming& Wealth Management is subject to regulatory oversight by various agencies. These agencies require registration by hemming& Wealth Management and its Supervised Persons. As a registered entity, hemming& Wealth Management is subject to examinations by regulators, which may be announced or unannounced. hemming& Wealth Management is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 18  Form ADV Part 2B – Brochure Supplement for Autumn C. Soltysiak, CFP® Vice President, Financial Advisor Effective: July 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Autumn C. Soltysiak (CRD# 4684987) in addition to the information contained in the hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”, CRD# 300918) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the hemming& Wealth Management Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (231) 922-2900. Additional information about Ms. Soltysiak is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4684987. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 19  Item 2 – Educational Background and Business Experience Autumn C. Soltysiak CFP®, born in 1980, is dedicated to advising Clients of hemming& Wealth Management as the Vice President and Financial Advisor. Ms. Soltysiak earned a Bachelors in Economics from Michgan Technological University in 2003. Additional information regarding Ms. Soltysiak’s employment history is included below. Employment History: Vice President, Financial Advisor, hemming& Wealth Management, Inc. Financial Advisor, Sagepoint Financial, Inc. Financial Advisor, Lincoln Financial Advisors Corporation Financial Advisor, Wells Fargo Advisors, LLC Financial Advisor, A.G. Edwards & Sons, Inc. 02/2019 to Present 01/2015 to 03/2019 03/2013 to 01/2015 01/2008 to 01/2013 09/2003 to 01/2008 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) 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 CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 20  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Soltysiak. Ms. Soltysiak has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Soltysiak. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Soltysiak. However, we do encourage you to independently view the background of Ms. Soltysiak on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4684987. Item 4 – Other Business Activities Insurance Agency Affiliations Ms. Soltysiak is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart Ms. Soltysiak’s role with hemming& Wealth Management. As an insurance professional, Ms. Soltysiak will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. Soltysiak is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Ms. Soltysiak or the Advisor. Item 5 – Additional Compensation Ms. Soltysiak has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Ms. Soltysiak serves as the Vice President and a Financial Advisor of hemming& Wealth Management and is supervised by Jena Posey, the Chief Compliance Officer. Mrs. Posey can be reached at (231) 922-2900. hemming& Wealth Management has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of hemming& Wealth Management. Further, hemming& Wealth Management is subject to regulatory oversight by various agencies. These agencies require registration by hemming& Wealth Management and its Supervised Persons. As a registered entity, hemming& Wealth Management is subject to examinations by regulators, which may be announced or unannounced. hemming& Wealth Management is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 21  Form ADV Part 2B – Brochure Supplement for Tanelle J. Budd Associate Advisor Effective: July 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Tanelle J. Budd (CRD# 6432323) in addition to the information contained in the hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”, CRD# 300918) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the hemming& Wealth Management Disclosure Brochure or this Brochure Supplement, please contact us at (231) 922-2900. Additional information about Ms. Budd is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6432323. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 22  Item 2 – Educational Background and Business Experience Tanelle J. Budd, born in 1984, is dedicated to advising Clients of hemming& Wealth Management as an Associate Advisor. Ms. Budd earned a Bachelor of Arts & Science Degree in Integrative Physiology from University of Colorado in 2009. Additional information regarding Ms. Budd’s employment history is included below. Employment History: Associate Advisor, hemming& Wealth Management, Inc. Relationship Manager, hemming& Wealth Management, Inc. Branch Office Administrator, Edward Jones General Manager, Imagine Entertainment, DBA The Lazy Dog 05/2023 to Present 03/2021 to 05/2023 1/2015 to 3/2021 8/2003 to 7/2014 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Budd. Ms. Budd has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Budd. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Budd. However, we do encourage you to independently view the background of Ms. Budd on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6432323. Item 4 – Other Business Activities Clerk Ms. Budd serves as a Clerk at Cleveland Township. Ms. Budd spends approximately 50 hours per month in her role as a Clerk. Insurance Agency Affiliations Ms. Budd is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Ms. Budd’s role with hemming& Wealth Management. As an insurance professional, Ms. Budd will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. Budd is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Ms. Budd or the Advisor. Ms. Budd spends approximately 5% of her time per month in this capacity. Item 5 – Additional Compensation Ms. Budd has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Ms. Budd serves as a Relationship Manager of hemming& Wealth Management and is supervised by Jena Posey, the Chief Compliance Officer. Mrs. Posey can be reached at (231) 922-2900. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 23  hemming& Wealth Management has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of hemming& Wealth Management. Further, hemming& Wealth Management is subject to regulatory oversight by various agencies. These agencies require registration by hemming& Wealth Management and its Supervised Persons. As a registered entity, hemming& Wealth Management is subject to examinations by regulators, which may be announced or unannounced. hemming& Wealth Management is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 24  Form ADV Part 2B – Brochure Supplement for Jena C. Posey Chief Compliance Officer Effective: July 16, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jena C. Posey (CRD# 5864603) in addition to the information contained in the hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”, CRD# 300918) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the hemming& Wealth Management Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (231) 922- 2900. Additional information about Mrs. Posey is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5864603. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 25  Item 2 – Educational Background and Business Experience Jena C. Posey, born in 1987, is dedicated to advising Clients of hemming& Wealth Management as an Operations Specialist. Mrs. Posey earned an Associate of Science in Business Administration from Colorado Technical University in 2008. Mrs. Posey also earned a Bachelor of Science in Business Administration from Colorado Technical University in 2010. Additional information regarding Mrs. Posey’s employment history is included below. Employment History: Chief Compliance Officer, hemming& Wealth Management, Inc. Operations Specialist, hemming& Wealth Management, Inc. Operations Manager, Wealth Reimagined Group Personal Assistant, Homewise Works Operations Manager, Integrated Financial Group 04/2024 to Present 08/2022 to 04/2024 06/2018 to 07/2022 05/2017 to 06/2018 09/2010 to 05/2017 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Posey. Mrs. Posey has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Posey. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Posey. However, we do encourage you to independently view the background of Mrs. Posey on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5864603. Item 4 – Other Business Activities Mrs. Posey is dedicated to the investment advisory activities of hemming& Wealth Management’s Clients. Mrs. Posey does not have any other business activities. Item 5 – Additional Compensation Mrs. Posey is dedicated to the investment advisory activities of hemming& Wealth Management’s Clients. Mrs. Posey does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Posey serves as the Chief Compliance Officer of hemming& Wealth Management. Mrs. Posey can be reached at (231) 922-2900. hemming& Wealth Management has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of hemming& Wealth Management. Further, hemming& Wealth Management is subject to regulatory oversight by various agencies. These agencies require registration by hemming& Wealth Management and its Supervised Persons. As a registered entity, hemming& Wealth Management is subject to examinations by regulators, which may be announced or unannounced. hemming& Wealth Management is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 26  Privacy Policy Effective: July 16, 2025 Our Commitment to You hemming& Wealth Management, Inc. (“hemming& Wealth Management” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. hemming& Wealth Management (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. hemming& Wealth Management does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account SMS Messaging The Advisor’s SMS messaging provides the Client with timely and relevant communications directly from the Advisor. Clients can expect to receive periodic messages that may include notifications about upcoming meetings or responses to inquiries. These messages are sent via an SMS application, where all sensitive data is delivered securely, to maintain the confidentiality and integrity of Client’s data. SMS opt-in or phone numbers for the purpose of SMS are not shared with any third parties or affiliate companies for marketing purposes. Rest assured that we will never share, sell, or trade your personal information, including phone numbers and SMS consent, with any third parties under any circumstances. Your data remains secure with us. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 27  Terms and Conditions Consent SMS Communication Information obtained as part of the SMS consent will not be shared with third parties. Types of SMS Communications If you have consented to receive text messages from hemming& Wealth Management, Inc, you may receive text messages related to upcoming meetings or responses to inquiries Examples • Clients and Prospective Clients: Information and or details about upcoming meetings. Responses to inquiries or requests. Standard messaging disclosures: • Messaging frequency may vary • Message and data rates may apply • You can opt out at any time by texting “STOP” • For assistance, text “HELP” or visit our Privacy Policy at https://www.hemmingwm.com/privacy-policy How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, broker-dealers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes hemming& Wealth Management does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where hemming& Wealth Management or the Client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 28  Yes Yes Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. No Not Shared Information About Former Clients hemming& Wealth Management does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of the Advisor’s current Privacy Policy by contacting us at (231) 922-2900. hemming& Wealth Management, Inc. 600 E. Front Street, Suite 201, Traverse City, MI 49686 Phone: (231) 922-2900 | Fax : (231) 922-2904 https://hemmingwm.com Page 29