JOURNEY BEYOND WEALTH

Item 1: Cover Page ‐ ADV Part 2A Journey Beyond Wealth 300 Colonial Center Parkway Suite 100 Roswell, GA 30076 Telephone: (678) 331‐7900 https://journeybeyondwealth.com Form ADV Part 2A – Firm Brochure Dated: February 6, 2026 This Brochure provides information about the qualifications and business practices of Journey Beyond Wealth, LLC d/b/a Journey Beyond Wealth (“JBW”). If you have any questions about the contents of this Brochure, please contact us at (678) 331‐7900. 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. Journey Beyond Wealth is registered as an Investment Adviser with the SEC. Registration of an Investment Adviser does not imply any level of skill or training. Additional information about JBW is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the firm’s identification number 290367. 1  Item 2: Material Changes Material changes have been made to this Form ADV Part 2A since the filing dated January 31, 2025 are: • Item 4: Advisory Business: o Comprehensive Financial Planning Services has been renamed and redescribed as Journey Financial Planning Services. o Navigator Financial Planning Services has been added. o Business Planning has been removed. o Cash Flow and Debt Management has been renamed and redescribed as Cash Flow Planning. • Item 5: Fees and Compensation: o Comprehensive Financial Planning Services has been renamed and redescribed as Journey Financial Planning Services. o Navigator Financial Planning Services has been added. Future Changes From time to time, we may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations and routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to each Client annually and if a material change occurs in the business practices of JBW. At any time, you may view the current Disclosure Brochure online at the SEC’s Investment Adviser Public Disclosure website at http://www.adviserinfo.sec.gov by searching for our firm name or by our CRD number 290367. You may also request a copy of this Disclosure Brochure at any time, by contacting us at (678) 331‐7900. 2  Item 3: Table of Contents Item 1: Cover Page ‐ ADV Part 2A .......................................................................................................................... 1 Item 2: Material Changes ....................................................................................................................................... 2 Item 3: Table of Contents ........................................................................................................................................ 3 Item 4: Advisory Business ....................................................................................................................................... 4 Item 5: Fees and Compensation .............................................................................................................................. 7 Item 6: Performance‐Based Fees and Side‐By‐ Side Management ......................................................................... 10 Item 7: Types of Clients ......................................................................................................................................... 10 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .................................................................... 10 Item 9: Disciplinary Information ........................................................................................................................... 13 Item 10: Other Financial Industry Activities and Affiliations .............................................................................. 13 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................................... 13 Item 12: Brokerage Practices ................................................................................................................................ 15 Item 13: Review of Accounts ................................................................................................................................ 17 Item 14: Client Referrals and Other Compensation ................................................................................................. 17 Item 15: Custody ................................................................................................................................................. 18 Item 16: Investment Discretion ............................................................................................................................ 18 Item 17: Voting Client Securities ........................................................................................................................... 18 Item 18: Financial Information ............................................................................................................................. 19 3  Item 4: Advisory Business Description of Advisory Firm Journey Beyond Wealth is registered as an Investment Adviser with the SEC. We were founded in September 2017. Andrew Avera and Christopher McCall are the owners of JBW. As of December 31, 2025, JBW manages $250,267,449 on a discretionary basis, and $0 on a non‐discretionary basis. JBW does not participate in or offer any wrap programs. Types of Advisory Services Journey Financial Planning Services (Includes Investment Management) We provide ongoing financial planning and investment management services designed to address a client’s full financial picture. Topics may include retirement planning, risk management, tax planning strategies, college savings, cash flow planning, employee benefits, estate and incapacity planning coordination, charitable giving strategies, and investment management. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern. The client and advisor will work together to select the specific areas to cover. These areas may include, but are not limited to, the following: o Cash Flow Planning: : We review income and expenses to understand current cash flow and help evaluate tradeoffs among saving, spending, and funding priorities. We may also recommend an appropriate cash reserve for emergencies and other goals and may review accounts (such as money market funds) used for such reserves. Note: We do not provide debt management services; however, we may discuss the general impact of liabilities on cash flow and financial planning. o College Savings: Includes projecting the amount that will be needed to achieve college or other post‐secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate). o Employee Benefits Optimization: We provide a review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals. o Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice 4  also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time‐to‐time, we will participate in meetings or phone calls between you and your attorney with your approval or request. o Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal. o Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long‐term care, liability, home, and automobile. o Investment Analysis: This may involve developing an asset allocation strategy to meet your financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. o Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. o Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self‐insuring”). o Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Navigator Financial Planning Services (Includes Investment Management) We also offer a limited‐scope financial planning service designed to focus on investments, retirement planning, and cash flow planning. Navigator planning is not intended to address every aspect of a client’s financial 5  circumstances and is narrower in scope than our Journey service. Navigator services typically include: Investment management and portfolio monitoring • • Retirement planning and decision support • Cash flow planning and savings target guidance Navigator services do not include estate planning review or coordination, tax planning, or insurance review. We may provide educational resources or checklists on these topics; however, clients are responsible for engaging and relying on qualified third‐party professionals (e.g., attorneys, CPAs, or insurance professionals) for advice in these areas. Investment Management Services Investment management services are included in JBW’s Journey and Navigator financial planning services, or as a standalone service. We construct and manage individually tailored investment portfolios. Our firm provides advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We may also review and discuss a client’s prior investment history, as well as family composition and background. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Family Office Services Family Office Services are designed to address the wealth management of multi‐generational families. In addition to the Journey Financial Planning and Investment Management Services mentioned above, Family Office Services include: • • • Life Planning/Deep Discovery: We help families go beyond just the technical aspect of financial planning to explore what’s most important to them, what they value, and how they ultimately want to live their life. We talk about obstacles and how to overcome them so that they can live intentionally without ever wondering what could have been. Family Mission Manifesto: This typically includes the creation of a document to encapsulate the vision, value, and mission of a family. The manifesto can be a reference to guide decision‐making and help build a family's legacy. Family Meetings: We facilitate meetings around the unique needs and planning that each family has with the goals of effective communication, building the family identity/legacy, and preparing the next generation to continue the legacy. In these sessions, families are given an opportunity to share what wealth means to them as well as other topics such as a family’s wealth story, legacy planning, inheritance expectations, end of life wishes, family mission manifesto, family values, desires for continuity of businesses, wealth concerns, asset disposition, gifting, intergenerational financial planning, or whatever is important to each family. 6  • Next Generation Education: We help to educate and prepare the next generation (regardless of age) to be good stewards of the wealth they have and will ultimately be entrusted with. We collaborate with families to tailor the education in a way that empowers and provides confidence in the next generation being able to continue building the family legacy. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client financial plans and their implementation are dependent on each client’s current situation and some clients will want more emphasis on certain aspects of the financial plan. Wrap Fee Programs We do not participate in wrap fee programs. Item 5: Fees and Compensation Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the investment advisory contract, the investment advisory contract may be terminated by the client within five (5) business days of signing the contract without incurring any advisory fees. How we are paid depends on the type of advisory service we are performing. Please review the fee and compensation information below. Journey Financial Planning Services Our standard Journey financial planning advisory fee is based on the market value of the assets under management and is calculated based on the below listed fee schedule. Fees are calculated and paid on a monthly basis and based on the account value as of the last day of the previous month. No increase in the annual fee shall be effective without agreement from the Client by signing a new agreement or amendment to their current advisory agreement. Assets Under Management Annual Advisory Fee $0 ‐ $2,500,000 0.90% $2,500,001 ‐ $5,000,000 0.60% $5,000,001 ‐ $30,000,000 0.30% $30,000,001 and Above 0.15% JBW’s period‐end account values include accrued interest, therefore, the account value used to calculate advisory fees may differ from that of the custodial account statement. The fee is blended based upon the schedule shown. For example, the annual fee rate for a Journey Financial Planning Services client with assets under management of $4,000,000 would be 0.7875%. 7  Advisory fees are directly debited from Client investment accounts, Client checking account, or the Client may choose to pay by check. An account may be terminated with written notice at least 15 calendar days in advance. Since fees are paid in arrears, no refund will be needed upon termination of an account. Please Note: In cases where Journey Financial Planning Services involve significant amounts of non‐ managed assets JBW may charge an additional planning fee which may be higher than those shown above. These fees will be clearly outlined in the client’s Advisory Agreement. Navigator Financial Planning Services Our standard Navigator financial planning advisory fee is based on the market value of the assets under management and is calculated based on the below listed fee schedule. Fees are calculated and paid on a monthly basis and based on the account value as of the last day of the previous month. No increase in the annual fee shall be effective without agreement from the Client by signing a new agreement or amendment to their current advisory agreement. Assets Under Management Annual Advisory Fee $0 ‐ $2,500,000 0.75% $2,500,001 ‐ $5,000,000 0.50% $5,000,001 ‐ $30,000,000 0.25% $30,000,001 and Above 0.15% JBW’s period‐end account values include accrued interest, therefore, the account value used to calculate advisory fees may differ from that of the custodial account statement. The fee is blended based upon the schedule shown. For example, the annual fee rate for a Journey Financial Planning Services client with assets under management of $4,000,000 would be 0.6563%. Advisory fees are directly debited from Client investment accounts, Client checking account, or the Client may choose to pay by check. An account may be terminated with written notice at least 15 calendar days in advance. Since fees are paid in arrears, no refund will be needed upon termination of an account. Please Note: In cases where Navigator Financial Planning Services involve significant amounts of non‐managed assets, JBW may charge an additional planning fee which may be higher than those shown above. These fees will be clearly outlined in the client’s Advisory Agreement. Investment Management Only Our standard investment management advisory fee is based on the market value of the assets under management 8  and is calculated based on the below listed fee schedule. Fees are calculated and paid monthly in arrears based upon the account value as of the last day of the month. No increase in the annual fee shall be effective without agreement from the Client by signing a new agreement or amendment to their current advisory agreement. Assets Under Management Annual Advisory Fee $0 ‐ $2,500,000 0.60% $2,500,001 ‐ $5,000,000 0.40% $5,000,001 ‐ $30,000,000 0.25% $30,000,001 and Above 0.15% JBW’s period‐end account values include accrued interest, therefore, the account value used to calculate advisory fees may differ from that of the custodial account statement. The fee is blended based upon the schedule shown. For example, the annual fee rate for an Investment Management Only client with assets under management of $4,000,000 would be 0.5250%. Advisory fees are directly debited from Client investment accounts, Client checking account, or the Client may choose to pay by check. An account may be terminated with written notice at least 15 calendar days in advance. Since fees are paid in arrears, no refund will be needed upon termination of an account. Family Office Services Family Office Services are designed to address the wealth management of multi‐generational families. Fees for Family Office Services will be negotiated on a case‐by‐case basis. Other Types of Fees and Expenses Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd‐lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund and exchange‐traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions, fees, and costs. Item 12 further describes the factors that we consider in selecting or recommending broker‐dealers for client’s transactions and determining the reasonableness of their compensation (e.g., commissions). We do not accept compensation for the sale of securities or other investment products including asset‐based sales charges or service fees from the sale of mutual funds. 9  Item 6: Performance‐Based Fees and Side‐By‐ Side Management We do not offer performance‐based fees. Item 7: Types of Clients We provide financial planning and portfolio management services to high‐net‐worth individuals and families. We also provide limited‐scope financial planning and portfolio management services (Navigator) to individuals and families who desire investment management with a narrower planning scope. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss When clients have us complete an Investment Analysis (described in Item 4 of this brochure) as part of their financial plan, or as part of the investment management, our primary methods of investment analysis and investment strategy include Modern Portfolio Theory and a Passive Investment Management Allocation Approach. Modern Portfolio Theory Our primary methods of investment analysis include Modern Portfolio Theory (MPT). The underlying principles of MPT are: ● Investors are risk‐averse. The only acceptable risk is that which is adequately compensated by an expected return. Risk and investment return are related and an increase in risk requires an increased expected return. ● Markets are efficient. The same market information is available to all investors at the same time. The market prices every security fairly based upon this equal availability of information. ● ● The design of the portfolio as a whole is more important than the selection of any particular security. The appropriate allocation of capital among asset classes will have far more influence on long‐term portfolio performance than the selection of individual securities. Investing for the long‐term (preferably longer than ten years) becomes critical to investment success because it allows the long‐term characteristics of the asset classes to surface. Increasing diversification of the portfolio with lower correlated asset class positions can decrease portfolio risk. Correlation is the statistical term for the extent to which two asset classes move in tandem or opposition to one another. Allocation Approach We primarily practice a structured, market‐return investment approach. Structured investing involves building portfolios that are comprised of various distinct asset classes. The asset classes are weighted in a manner to achieve 10  the desired relationship between correlation, risk, and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build structured portfolios are typically mutual funds or exchange‐traded funds. A structured, passive investment management strategy is characterized by low portfolio expenses (e.g., the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. Academic research indicates most active managers underperform the market. Some portfolio positions we use may be considered to employ active management as the investment manager may filter out investments that they believe are not appropriate for a given asset‐class target or strategy. We do not believe in market timing. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities, and any other investment or security. Material risks associated with our investment strategies are listed below. Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the operational success of the issuer’s operations or its financial condition. Strategy Risk: The Adviser’s investment strategies and/or investment techniques may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and medium market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the client’s portfolio. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Under certain market conditions, we may be unable to sell or liquidate investments at prices we consider reasonable or favorable, or find buyers at any price. Concentration Risk: Certain investment strategies focus on particular asset‐classes, industries, sectors or types of investments. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates. Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. 11  Inflation: Inflation may erode the buying power of your investment portfolio, even if the dollar value of your investments remains the same. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring, could lose all value. A slower‐growth or recessionary economic environment could have an adverse effect on the price of all stocks. Corporate Bonds are debt securities to borrow money. Generally, issuers pay investors periodic interest and repay the amount borrowed either periodically during the life of the security and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero coupon bonds, which do not pay current interest, but rather are priced at a discount from their face values and their values accrete over time to the face value at maturity. The market prices of debt securities fluctuate depending on such factors as interest rates, credit quality, and maturity. In general, market prices of debt securities decline when interest rates rise and increase when interest rates fall. The longer the time to a bond’s maturity, the greater its interest rate risk. Bank Obligations, including bonds and certificates of deposit, may be vulnerable to setbacks or panics in the banking industry. Banks and other financial institutions are greatly affected by interest rates and may be adversely affected by downturns in the U.S. and foreign economies, or changes in banking regulations. Municipal Bonds are debt obligations generally issued to obtain funds for various public purposes, including the construction of public facilities. Municipal bonds pay a lower rate of return than most other types of bonds. However, because of a municipal bond’s tax‐favored status, investors should compare the relative after‐tax return to the after‐tax return of other bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment risk, inflation risk, market risk, call or redemption risk, credit risk, and liquidity and valuation risk. Exchange‐Traded Funds prices may vary significantly from the Net Asset Value due to market conditions. Certain Exchange Traded Funds (“ETFs”) may not track underlying benchmarks as expected. ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value; (ii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are delisted from the exchange, or the activation of marketwide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. The Adviser has no control over the risks taken by the underlying funds in which a client invests. Investment Companies Risk. When a client invests in open‐end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). 12  Item 9: Disciplinary Information Criminal or Civil Actions JBW and its management have not been involved in any criminal or civil action. Administrative Enforcement Proceedings JBW and its management have not been involved in administrative enforcement proceedings. Self‐Regulatory Organization Enforcement Proceedings JBW and its management have not been involved in legal or disciplinary events that are material to a client’s or prospective client’s evaluation of JBW or the integrity of its management. Item 10: Other Financial Industry Activities and Affiliations No JBW employee is registered, or has an application pending to register, as a broker‐dealer or a registered representative of a broker‐dealer. No JBW employee is registered, or has an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. JBW does not have any related parties. As a result, we do not have a relationship with any related parties. JBW only receives compensation directly from clients. We do not receive compensation from any outside source. We do not have any conflicts of interest with any outside party. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all of our dealings. The firm also adheres to the Code of Ethics and Professional Responsibility adopted by the CFP® Board of Standards Inc., and accepts the obligation not only to comply with the mandates and requirements of all applicable laws and regulations but also to take responsibility to act in an ethical and professionally responsible manner in all professional services and activities. 13  Code of Ethics Description This code does not attempt to identify all possible conflicts of interest, and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the Code of Ethics' Principles is outlined below. ● Integrity ‐ Associated persons shall offer and provide professional services with integrity. ● Objectivity ‐ Associated persons shall be objective in providing professional services to clients. ● Competence ‐ Associated persons shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which they are engaged. ● Fairness ‐ Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services. ● Confidentiality ‐ Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law. ● Professionalism ‐ Associated persons’ conduct in all matters shall reflect credit of the profession. ● Diligence ‐ Associated persons shall act diligently in providing professional services. We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide a copy of its Code of Ethics to any client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates, or any related person is authorized to recommend to a client, or effect a transaction for a client, any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm and its “related persons” may buy or sell securities similar to, or different from, those we recommend to clients for their accounts. In an effort to reduce or eliminate certain conflicts of interest involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific reportable securities transactions. Any exceptions or trading pre‐clearance must be approved by the firm principal in advance of the transaction in an account, and we maintain the required personal securities transaction records per regulation. Trading Securities At/Around the Same Time as Client’s Securities From time to time, our firm or its “related persons” may buy or sell securities for themselves at or around the same time as clients. We will not trade any non‐mutual funds or non‐ETF securities 5 days prior or 5 days after trading the same security for clients. 14  Item 12: Brokerage Practices Factors Used to Select Custodians and/or Broker‐Dealers Journey Beyond Wealth does not have any affiliation with Broker‐Dealers. Specific custodian recommendations are made to the client based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. 1. Research and Other Soft‐Dollar Benefits All of the soft dollar benefits we receive are eligible “research or brokerage services” under Section 28(e) of the Securities Exchange Act of 1934. 2. Brokerage for Client Referrals We receive no referrals from a broker‐dealer or third party in exchange for using that broker‐dealer or third party. 3. Clients Directing Which Broker/Dealer/Custodian to Use We do recommend a specific custodian for clients to use; however, clients may custody their assets at a custodian of their choice. Clients may also direct us to use a specific broker‐dealer to execute transactions. By allowing clients to choose a specific custodian, we may be unable to achieve most favorable execution of client transaction and this may cost clients money over using a lower‐cost custodian. Our primary recommended custodian is Charles Schwab. The Custodian and Brokers We Use (Charles Schwab) JBW (“we”/“our”) does not maintain custody of your assets that we manage or on which we advise, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15—Custody, below). Your assets must be maintained in an account at a “qualified custodian,” generally a broker‐dealer or bank. We may recommend that our clients use Charles Schwab & Co., Inc. (Schwab), a registered broker‐dealer, member SIPC, as the qualified custodian. We are independently owned and operated and are not affiliated with Schwab. Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we may recommend that you use Schwab as custodian/broker, you will decide whether to do so and will open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you, although we may assist you in doing so. For our clients’ accounts that Schwab maintains, Schwab generally does not charge you separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your Schwab account. Certain trades (for example, many mutual funds and ETFs) may not incur Schwab commissions or transaction fees. Schwab is also compensated by earning interest on the uninvested cash in your account in Schwab’s Cash Features Program. These fees are in addition to the commissions or other compensation you pay the executing broker‐dealer. Because of this, in order to minimize your trading costs, we have Schwab execute most trades for your account. We have determined that having Schwab execute most trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above (see “How we select brokers/custodians”). 15  Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like us. They provide us and our clients with access to their institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. Following is a more detailed description of Schwab’s support services: Services that benefit you. Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. Services that may not directly benefit you. Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: o Provide access to client account data (such as duplicate trade confirmations and account statements) o Facilitate trade execution and allocate aggregated trade orders for multiple client accounts o Provide pricing and other market data o Facilitate payment of our fees from our clients’ accounts o Assist with back‐office functions, recordkeeping, and client reporting Services that generally benefit only us. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: o Educational conferences and events o Consulting on technology, compliance, legal, and business needs o Publications and conferences on practice management and business succession o Access to employee benefits providers, human capital consultants, and insurance providers o Marketing consulting and support Schwab may provide some of these services itself. In other cases, it will arrange for third‐party vendors to provide the services to us. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Schwab may also provide us with other benefits, such as occasional business entertainment of our personnel. Aggregating (Block) Trading for Multiple Client Accounts We do not usually combine multiple orders for shares of the same securities purchased for advisory accounts we manage (this practice is commonly referred to as “block trading”). While block trading may benefit clients by 16  reducing transaction costs, we do not feel our clients are disadvantaged due to the fact that we execute trades on an individual basis. We employ an individualized portfolio allocation & management style in which clients may have various investment schedules and different holdings. This is central to our individualized approach to creating and managing a client’s portfolio that is aligned with their objectives. Clients should be aware, however, that this may result in higher transaction costs than would otherwise be applied if we utilized block trading. Item 13: Review of Accounts Client accounts with the Investment Management Service will be reviewed regularly (at least on a quarterly basis). The account is reviewed with regards to the client’s investment policies and risk tolerance levels. Events that may trigger a special review would be unusual performance, addition or deletions of client imposed restrictions, excessive draw‐down, volatility in performance, or buy and sell decisions from the firm or per client's needs. Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in the accounts, such as receipt of dividends and interest. JBW will not provide written reports to Investment Management clients. Item 14: Client Referrals and Other Compensation We do not, directly or indirectly, compensate any person who is not advisory personnel for client referrals. Charles Schwab makes support products and services available to us and other independent investment advisors whose clients maintain their accounts at Charles Schwab. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12—Brokerage Practices). The availability to us of Charles Schwab’s products and services is not based on us giving particular investment advice, such as buying particular securities for our clients. We receive an economic benefit from Schwab in the form of the support products and services it makes available to us and other independent investment advisors whose clients maintain their accounts at Schwab. In addition, Schwab has also agreed to pay for certain products and services for which we would otherwise have to pay once the value of our clients’ assets in accounts at Schwab reaches a certain amount. [In some cases, a recipient of such payments is an affiliate of ours or another party which has some pecuniary, financial or other interests in us (or in which we have such an interest). These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12—Brokerage Practices). 17  Item 15: Custody Journey Beyond Wealth, does not accept custody of client funds; however, it is deemed to have custody of client funds solely through the act of deducting advisory fees from client accounts. For client accounts in which JBW directly debits their advisory fee: JBW will send a copy of its invoice to the custodian. i. ii. The custodian will send at least quarterly statements to the client showing all disbursements for the account, including the amount of the advisory fee. iii. The client will provide written authorization to JBW, permitting them to be paid directly for their accounts held by the custodian. Clients should receive at least quarterly statements from the broker‐dealer, bank or other qualified custodian that holds and maintains the client's investment assets. We urge you to carefully review such statements and compare such official custodial records to the account statements or reports that we may provide to you. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Item 16: Investment Discretion For those client accounts where we provide investment management services, we maintain discretion over client accounts with respect to securities to be bought and sold and the amount of securities to be bought and sold. Investment discretion is explained to clients in detail when an advisory relationship has commenced. At the start of the advisory relationship, the client will execute a Limited Power of Attorney, which will grant our firm discretion over the account. Additionally, the discretionary relationship will be outlined in the advisory contract and signed by the client. Item 17: Voting Client Securities We do not vote client proxies. Therefore, clients maintain exclusive responsibility for (1) voting proxies, and (2) acting on corporate actions pertaining to the client’s investment assets. The client shall instruct the client’s qualified custodian to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. 18  Item 18: Financial Information Registered Investment Advisers are required in this Item to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. We do not have custody of client funds or securities or require or solicit prepayment of $1,200 or more in fees per client six months or more in advance. 19