PARISI GRAY WEALTH MANAGEMENT, LLC

Parisi Gray Wealth Management, LLC Form ADV Part 2A – Disclosure Brochure Effective: February 5, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Parisi Gray Wealth Management, LLC (“Parisi Gray” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (973) 358-4921. Parisi Gray 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 Parisi Gray to assist you in determining whether to retain the Advisor. Additional information about Parisi Gray and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s name or CRD# 286388. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Suite 1, Mendham, New Jersey 07945 Phone: (973) 358-4921 | Fax: 973-358-4928 http://parisigray.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 the Advisory Persons of Parisi Gray. For convenience, the Advisor has combined these documents into a single disclosure document. Parisi Gray 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. Parisi Gray encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes There have been no material changes made to this Disclosure Brochure since the last annual amendment filing on January 21, 2025. 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 with the Advisor’s firm name or our CRD# 286388. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (973) 358- 4921. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.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 ....................................................................................................................................................................... 7 C. Other Fees and Expenses .............................................................................................................................................. 7 D. Advance Payment of Fees and Termination .................................................................................................................. 8 E. Compensation for Sales of Securities ............................................................................................................................ 8 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 8 Item 7 – Types of Clients ....................................................................................................................................... 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................... 9 A. Methods of Analysis ....................................................................................................................................................... 9 B. Risk of Loss .................................................................................................................................................................... 9 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 ............... 11 A. Code of Ethics .............................................................................................................................................................. 11 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 ............................................................................................................................. 13 A. Frequency of Reviews .................................................................................................................................................. 13 B. Causes for Reviews ...................................................................................................................................................... 13 C. Review Reports ............................................................................................................................................................ 13 Item 14 – Client Referrals and Other Compensation ........................................................................................ 13 A. Compensation Received by Parisi Gray ....................................................................................................................... 13 B. Compensation for Client Referrals ............................................................................................................................... 14 Item 15 – Custody ................................................................................................................................................ 14 Item 16 – Investment Discretion ......................................................................................................................... 14 Item 17 – Voting Client Securities ...................................................................................................................... 14 Item 18 – Financial Information .......................................................................................................................... 15 Form ADV2B – Brochure Supplement (John Parisi) ......................................................................................... 14 Form ADV2B – Brochure Supplement (David Gray) ......................................................................................... 17 Privacy Policy ....................................................................................................................................................... 22 Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 3  Item 4 – Advisory Services A. Firm Information Parisi Gray Wealth Management, LLC (“Parisi Gray” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Delaware with its offices located in the State of New Jersey. Parisi Gray was founded in January 2016 and is owned and operated by John Parisi (Managing Partner) and David Gray (Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Parisi Gray. B. Advisory Services Offered Parisi Gray offers investment advisory services to individuals, high net worth individuals, trusts, estates, and businesses (each referred to as a “Client”). The Advisor 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. Parisi Gray’s fiduciary commitment is further described in the Code of Ethics. For more information regarding the Advisor’s Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services Parisi Gray provides Clients with wealth management services, which generally includes a broad range of comprehensive financial planning and consulting services while providing discretionary management of investment portfolios. These services are described below. Investment Management Services - Parisi Gray provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Parisi Gray 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. Parisi Gray will then construct a portfolio, consisting of mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor also utilizes individual stocks, bonds, options, margin, or independent managers to meet the needs of its Clients. 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 the Client. Parisi Gray’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Parisi Gray will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Parisi Gray evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Parisi Gray may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Parisi Gray may recommend specific positions to increase sector or asset class weightings. In certain instances, the Advisor may recommend that the Client invest into or hold mutual funds a share classes that have higher expense ratios than an equivalent share class. The Advisor will only recommend the purchase or holding of more expensive share classes if the investment amount does not meet the fund’s required minimum investment or if there are material tax considerations. The Advisor may recommend employing cash positions as a possible hedge against market movement. Parisi Gray may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 4  Under certain circumstances, Parisi Gray may accept or maintain custody of Client’s funds or securities. Please see Item 15 – Custody for more information. LoanAdvanceTM - The Advisor may introduce certain Clients to LoanAdvanceTM, a non-purpose line of credit made available through Pershing LLC (“Lending Program”). In such instances, the Client’s assets in their account[s] at the Custodian will be utilized as collateral for a non-purpose line of credit. The recommendation of a Lending Program presents a conflict of interest as the Advisor will continue to receive investment advisory fees for managing the collateralized assets in the Client’s account[s]. Clients are not obligated to engage the Advisor for the Lending Program. For additional information related to the risks involved non-purpose loans and lines of credit, please see Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss. Financial Planning Services - Parisi Gray will typically provide a variety of financial planning and consulting services to Clients, as a part of the wealth management services. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Parisi Gray, based on the Client’s particular needs, refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations poses a conflict between the interest of the Advisor and the interests of the Client. For example, a recommendation to engage the Advisor for investment management services or to increase the level of investment assets would increase the advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. 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[s] through the Advisor. Use of Independent Managers – In limited circumstances, the Advisor will recommend that a Client utilize an unaffiliated investment manager or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. In such instances, the Client may be required to authorize and enter into an advisory agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide investment management and related services. The Advisor may also assist in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will perform initial and ongoing oversight and due diligence over the selected Independent Manager[s] to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Client, prior to entering into an agreement with unaffiliated investment manager[s] or investment platform[s], will be provided with the Independent Manager's Form ADV 2A (or a brochure that makes the appropriate disclosures). 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 Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 5  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. C. Client Account Management Prior to engaging Parisi Gray to provide wealth management services, each Client is required to enter into an agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Parisi Gray, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives. • Asset Allocation – Parisi Gray will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client. • Portfolio Construction – Parisi Gray will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Parisi Gray will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Parisi Gray does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Parisi Gray. E. Assets Under Management As of December 31, 2025, Parisi Gray manages $796,049,461 in Client assets, $781,786,457 of which are managed on a discretionary basis and $14,263,004 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 a written agreement with the Advisor. A. Fees for Advisory Services Wealth Management Services For Clients engaged for comprehensive wealth management services, the Client will be charged a single combined fee for investment management and financial planning services based on the market value of assets under management. Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the wealth management agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Investment advisory fees range up to 2.00% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees are negotiable at the sole discretion of the Advisor. The Client’s fees will take into Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 6  consideration the aggregate assets under management with Advisor. All securities held in accounts managed by Parisi Gray will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuations. 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. Use of Independent Managers For Client account[s] implemented through an Independent Manager, the Client’s overall fees includes Parisi Gray’s investment advisory fee (as noted above) plus advisory fees and/or platform fees charged by the Independent Manager[s], as applicable. The Independent Manager assumes responsibility for calculating the Client’s fees and deducting all fees from the Client’s account[s]. In such instances, Parisi Gray will not charge its fee separately on those assets. B. Fee Billing Wealth 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 or its delegate shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the period rate (annual rate divided by the number of days in the year multiplied by the number of days in the quarter) to the total assets under management with the Advisor at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management 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 advisory fees to be deducted by Parisi Gray directly from their account[s] held by the Custodian as part of the wealth management agreement and separate account forms provided by the Custodian. Use of Independent Managers Client account[s] implemented through Independent Manager[s] will be billed in accordance to the separate agreement[s] with the respective parties. These parties will typically add Parisi Gray’s investment advisory fee and deduct the overall fee from the Client’s account[s]. C. Other Fees and Expenses Clients incur certain fees or charges imposed by third parties, other than Parisi Gray, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian. The fees charged by Parisi Gray are separate and distinct from these custodial and execution fees. In addition, all fees paid to Parisi Gray for wealth management services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. As mentioned in Item 4.B above, the Client may be invested into share classes of a mutual fund that has a higher expense ratio, including but not limited to 12B-1 fees. This may result in the Client paying a higher investment cost[s]. A Client may be able to invest in these products directly, without the services of Parisi Gray, but would not receive the services provided by Parisi Gray which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Parisi Gray to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 7  D. Advance Payment of Fees and Termination Wealth Management Services Parisi Gray is compensated for its services in advance of the quarter in which wealth management services are rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the wealth management 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 Advisor will refund any unearned, prepaid wealth management fees from the effective date of termination to the end of the quarter. The Client’s wealth management agreement with the Advisor is non- transferable without the Client’s prior consent. Use of Independent Managers In the event that a Client should wish to terminate their relationship with the Independent Manager, the terms for termination will be set forth in the respective agreements between the Client and that Independent Manager. Parisi Gray will assist the Client with the termination and transition as appropriate. E. Compensation for Sales of Securities Parisi Gray does not purchase or sell securities to earn securities commissions in its advisory accounts. However, Advisory Persons, each in one’s separate capacity as listed below, may recommend that a Client implement investments or insurance in a commissionable relationship instead of a wealth management engagement. Advisory Persons are registered representatives of Purshe Kaplan Sterling Investments, Inc. (“PKS”), a registered broker-dealer (CRD No. 35747), member FINRA, SIPC. In one’s separate capacity as a registered representative of PKS, the Advisory Person may implement securities transactions under PKS and not through Parisi Gray. In such instances, the Advisory Person will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by the Advisory Person in one’s capacity as a registered representative is separate and in addition to the Advisor’s fees. This practice presents a conflict of interest because the Advisory Person who is a registered representative has an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Clients are not obligated to implement any recommendation provided by the Advisor nor Advisory Persons. Neither the Advisor nor Advisory Persons will earn ongoing wealth management fees in connection with any products or services implemented in the Advisory Person’s separate capacity as a registered representative Please see Item 10 – Other Financial Industry Activities and Affiliations. Advisory Persons are also licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person will earn commission-based compensation for selling insurance products, including insurance products offered to Clients. Insurance commissions earned by these persons are separate and in addition to the Advisor’s advisory fees. This practice presents a conflict of interest because the Advisory Person who is also an insurance professional will have an incentive to recommend insurance products to you for the purpose of generating commissions rather than solely based on your needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Item 6 – Performance-Based Fees and Side-By-Side Management Parisi Gray does not charge performance-based fees for its wealth management services. The fees charged by Parisi Gray are as described in Item 5 – Fees and Compensation above and are not based upon the capital appreciation of the funds or securities held by any Client. Parisi Gray 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 8  Item 7 – Types of Clients Parisi Gray offers wealth management services to individuals, high net worth individuals, trusts, estates and businesses. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Parisi Gray generally does not impose a minimum size for establishing a relationship. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Parisi Gray primarily employs fundamental, technical and cyclical analysis methods in developing investment strategies for its Clients. Research and analysis from Parisi Gray 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 utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps 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 the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Parisi Gray will be able to accurately predict such a reoccurrence. Cyclical analysis is similar to technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the particular company that Parisi Gray is recommending. The risks with cyclical analysis are similar to those of technical analysis. As noted above, Parisi Gray generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Parisi Gray 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, Parisi Gray 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. Parisi Gray 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. The Advisor monitors these economic Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 9  indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. 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[s]. 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 strategies: 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 has 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. Digital Assets Risks Digital assets are highly speculative and volatile investments that may become illiquid at any time. Digital assets are loosely regulated. Clients could lose the entire value of their investment in digital assets and is only suitable for Clients with a high risk tolerance. Margin Borrowings The use of short-term margin borrowings may result in certain additional risks to a Client. For example, if securities pledged to brokers to secure a Client’s margin accounts decline in value, the Client could be subject to a “margin call” pursuant to which it must either deposit additional funds with the broker or be the subject of mandatory liquidation of the pledged securities to compensate for the decline in value. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Cryptocurrency ETF Risks Cryptocurrency ETFs are investment vehicles designed to provide exposure to the price movements of cryptocurrencies or cryptocurrency-related assets through exchange-listed securities. Cryptocurrencies and cryptocurrency-related markets are highly volatile. Prices may fluctuate dramatically over short periods of time due to factors including, but not limited to, market sentiment, technological developments, macroeconomic events, regulatory actions, and changes in liquidity. As a result, Cryptocurrency ETFs may experience rapid and substantial losses. A Cryptocurrency ETF’s performance may differ materially from the crypto market exposure it seeks to provide due to fees and expenses, portfolio construction and rebalancing, and the use of derivatives, Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 10  and during periods of market stress liquidity may decline, bid-ask spreads may widen, shares may trade above or below the value of underlying holdings, and trading may be halted or limited, which may prevent buying or selling at desired times or prices. Non-Purpose Loans and Lines of Credit Non-purpose loans and lines of credit carry a number of risks, including but not limited to the risk of a market downturn, tax implications if collateralized securities are liquidated, and an increase in interest rates. A decline in the market value of collateralized securities held in the account[s] at the Custodian, may result in a reduction in the draw amount of the Client’s line of credit, a demand from the Lending Program that the Client deposit additional funds or securities in the Client’s collateral account[s], or a forced sale of securities in the Client’s collateral account[s]. 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 Parisi Gray or any of its management persons. Parisi Gray values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. Our backgrounds are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 286388. Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5 above, Advisory Persons are also registered representatives of PKS. In one’s separate capacity as a registered representative, an Advisory Person receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by the Advisory Person. Neither the Advisor nor the Advisory Person will earn ongoing wealth management fees in connection with any services implemented in the Advisory Person’s separate capacity as a registered representative. Insurance Agency Affiliations As noted in Item 5, Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Parisi Gray. As an insurance professional, an Advisory Person receives customary commissions and other related revenues from the various insurance companies whose products are sold. The Advisory Person is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This causes a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisory Persons or the Advisor. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Parisi Gray 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 Parisi Gray (our “Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. Parisi Gray and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Parisi Gray’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 (973) 358-4921. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 11  B. Personal Trading with Material Interest Parisi Gray allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Parisi Gray 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. Parisi Gray does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Parisi Gray 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 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 have 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 Parisi Gray requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Parisi Gray 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 afterwards. At no time will Parisi Gray, or any Supervised Person of Parisi Gray, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Parisi Gray does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will select the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Parisi Gray to direct trades to the Custodian as agreed upon in the wealth management agreement. Further, Parisi Gray does not have the discretionary authority to negotiate commissions on behalf of our Clients on a trade-by-trade basis. Where Parisi Gray does not exercise discretion over the selection of the Custodian, Parisi Gray will typically recommend the Custodian to Clients. Parisi Gray 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 the location of the Custodian’s offices. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Parisi Gray. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not utilized. Parisi Gray will typically recommend that Clients establish their account[s] at Pershing Advisor Solutions, a division of Pershing LLC (“Pershing”), a FINRA-registered broker- dealer and member SIPC. Pershing will serve as the Client’s “qualified custodian”. Parisi Gray maintains an institutional relationship with Pershing, whereby the Advisor receives economic benefits from Pershing. Please see Item 14 below. 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. Parisi Gray does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 12  2. Brokerage Referrals - Parisi Gray 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 Parisi Gray 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] at the Custodian. 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]). Parisi Gray 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 taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Parisi Gray will execute its transactions through the Custodian as authorized by the Client. Parisi Gray 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 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 John Parisi and Ford Palmer. Formal reviews are generally conducted at least annually or more or less frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A. above, 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 Parisi Gray 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 Parisi Gray Participation in Institutional Advisor Platform Parisi Gray has established an institutional relationship with Pershing (“Custodian”) to assist the Advisor in managing Client account[s]. Access to the Pershing platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 13  services to Clients that maintain assets at Pershing. 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 potential 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. B. Compensation for Client Referrals Certain Clients may be referred to the Advisor by either an affiliated or unaffiliated party (herein "Promoter") and receive, directly or indirectly, compensation for the Client referral. In such instances, the Advisor will compensate the Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor, and shall not result in any additional charge to the Client. Item 15 – Custody All Clients must maintain their accounts with a “qualified custodian” as described in item 12. Parisi Gray accepts custody of a Clients funds or securities, through the deduction of management fees from the Client’s account[s] at the Custodian, and in certain situations where a Supervised Person of Parisi Gray has access to a Client’s held- away account login credentials. Clients will receive account statements at least quarterly and generally monthly from the Custodian. You are urged to compare the Custodian account statements against statements prepared by Parisi Gray for accuracy. Minor variations may occur because of reporting dates, accrual methods of interest and dividends, and other factors. The custody statement is the official record of your account for tax purposes. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Surprise Independent Examination As Parisi Gray is deemed to have custody over certain Client accounts and/or securities as part of their access to Client login credentials, check writing authority and money movement pursuant to securities regulations. The Advisor is required to engage an independent accounting firm to perform an annual surprise examination of those assets and accounts over which Parisi Gray maintains custody. Any related opinions issued by an independent accounting firm are filed with the SEC and are publicly available on the SEC’s Investment Adviser Public Disclosure website (http://adviserinfo.sec.gov). In addition, if the Client gives the Advisor authority to move money from one account to another account, the Advisor may have custody of those assets. In order to avoid additional regulatory requirements in these cases, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. Item 16 – Investment Discretion Parisi Gray 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 Parisi Gray. 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 a wealth management agreement containing all applicable limitations to such authority. All discretionary trades made by Parisi Gray will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities The Advisor has the authority to vote Client proxies. The Advisor has adopted proxy-voting guidelines to vote alongside with the management of the companies, seeking to ensure votes are made in the best interest of the Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 14  Advisor's Clients. Furthermore, it is understood that any material conflicts between the Advisor’s interests and Clients with regard to proxy voting must be resolved before proxies are voted. Clients of the Advisor may obtain upon request a copy of our Proxy Voting Policies and Procedures and a record of how the Advisor voted a Client’s securities by contacting the Advisor at (973) 358-4921. Item 18 – Financial Information Neither Parisi Gray, nor its management, have any adverse financial situations that would reasonably impair the ability of Parisi Gray to meet all obligations to its Clients. Neither Parisi Gray, nor any of its Advisory Persons, has been subject to a bankruptcy or financial compromise. Parisi Gray 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 15  Form ADV Part 2B – Brochure Supplement for John F. Parisi Managing Partner and Chief Investment Officer Effective: February 5, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of John F. Parisi (CRD# 1879131) in addition to the information contained in the Parisi Gray Wealth Management, LLC (“Parisi Gray” or the “Advisor”, CRD# 286388) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Parisi Gray Disclosure Brochure or this Brochure Supplement, please contact us at (973) 358-4921. Additional information about Mr. Parisi is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1879131. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 16  Item 2 – Educational Background and Business Experience John F. Parisi, born in 1964, is dedicated to advising Clients of Parisi Gray as a Managing Partner and Chief Investment Officer. Mr. Parisi earned a Bachelor of Science in Business Administration from Georgetown University in 1988. Additional information regarding Mr. Parisi’s employment history is included below. Employment History: 12/2016 to Present 02/2017 to Present 12/2016 to 02/2017 12/1997 to 12/2016 Managing Partner and Chief Investment Officer, Parisi Gray Wealth Management, LLC Registered Representative, Purshe Kaplan Sterling Investments, Inc. Investment Advisor Representative, Oliver Luxxe Assets LLC Investment Advisor Representative/Registered Representative, Merrill Lynch, Pierce, Fenner & Smith Incorporated Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Parisi. Mr. Parisi has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Parisi. 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 Mr. Parisi. However, we do encourage you to independently view the background of Mr. Parisi on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1879131. Item 4 – Other Business Activities Broker-Dealer Affiliations Mr. Parisi is also a registered representative of Purshe Kaplan Sterling Investments, Inc. (“PKS”), a registered broker-dealer (CRD# 35747), member FINRA, SIPC. In Mr. Parisi’s separate capacity as a registered representative, Mr. Parisi will typically receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Parisi. Neither the Advisor nor Mr. Parisi will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Parisi’s separate capacity as a registered representative. Insurance Agency Affiliations Mr. Parisi is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Parisi’s role with Parisi Gray. As an insurance professional, Mr. Parisi will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Parisi is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This causes a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Parisi or the Advisor. Item 5 – Additional Compensation Mr. Parisi has additional business activities that are detailed in Item 4 above. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 17  Item 6 – Supervision Mr. Parisi serves as a Managing Partner of Parisi Gray and is supervised by David Gray, the Chief Compliance Officer. Mr. Gray can be reached at (973) 358-4921. Parisi Gray has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Parisi Gray. Further, Parisi Gray is subject to regulatory oversight by various agencies. These agencies require registration by Parisi Gray and its Supervised Persons. As a registered entity, Parisi Gray is subject to examinations by regulators, which may be announced or unannounced. Parisi Gray 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 18  Form ADV Part 2B – Brochure Supplement for David P. Gray, CFP® Partner and Chief Compliance Officer Effective: February 5, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of David P. Gray, CFP®, (CRD# 5349909) in addition to the information contained in the Parisi Gray Wealth Management, LLC (“Parisi Gray” or the “Advisor”, CRD# 286388) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Parisi Gray Disclosure Brochure or this Brochure Supplement, please contact us at (973) 358-4921. Additional information about Mr. Gray is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5349909. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 19  Item 2 – Educational Background and Business Experience David P. Gray, CFP®, born in 1985, is dedicated to advising Clients of Parisi Gray as a Partner and the Chief Compliance Officer. Mr. Gray earned a Bachelor of Arts degree from Pennsylvania State University in 2007. Additional information regarding Mr. Gray’s employment history is included below. Employment History: 12/2016 to Present 02/2017 to 03/2023 12/2016 to 02/2017 03/2008 to 12/2016 Partner and Chief Compliance Officer, Parisi Gray Wealth Management, LLC Registered Representative, Purshe Kaplan Sterling Investments, Inc. Investment Advisor Representative, Oliver Luxxe Assets LLC Investment Advisor Representative/Registered Representative, Merrill Lynch, Pierce, Fenner & Smith Incorporated 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 20  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Gray. Mr. Gray has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Gray. 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 Mr. Gray. However, the Advisor encourages Clients to independently view the background of Mr. Gray on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5349909. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Gray is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Gray’s role with Parisi Gray. As an insurance professional, Mr. Gray will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Gray is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This causes a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Gray or the Advisor. Item 5 – Additional Compensation Mr. Gray has additional business activities that are detailed in Item 4 above. Item 6 – Supervision Mr. Gray serves as a Partner and the Chief Compliance Officer of Parisi Gray. Mr. Gray can be reached at (973) 358-4921. Parisi Gray has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Parisi Gray. Further, Parisi Gray is subject to regulatory oversight by various agencies. These agencies require registration by Parisi Gray and its Supervised Persons. As a registered entity, Parisi Gray is subject to examinations by regulators, which may be announced or unannounced. Parisi Gray 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 21  Privacy Policy Effective: Febraury 5, 2026 Our Commitment to You Parisi Gray Wealth Management, LLC (“Parisi Gray” 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. Parisi Gray (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. Parisi Gray 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? Driver’s license number Date of birth 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 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. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 22  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 No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, 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. Marketing Purposes Parisi Gray 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 Parisi Gray 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. 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]. Information About Former Clients Parisi Gray 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 our current Privacy Policy by contacting us at (973) 358-4921. Parisi Gray Wealth Management, LLC 5 Cold Hill Road S, Mendham, New Jersey 07945 Phone: (973) 358-4921 http://parisigray.com Page 23