PIEDMONT WEALTH ADVISORY

Piedmont Wealth Advisory Form ADV Part 2A – Disclosure Brochure Effective: January 22, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Oak Barrel Wealth Advisory LLC d/b/a Piedmont Wealth Advisory (“Piedmont Wealth Advisory” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (571) 313- 5125. Piedmont Wealth Advisory 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 Piedmont Wealth Advisory to assist you in determining whether to retain the Advisor. Additional information about Piedmont Wealth Advisory and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 333693. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.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 Piedmont Wealth Advisory. For convenience, the Advisor has combined these documents into a single disclosure document. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 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 to this disclosure brochure since the annual amendment filing on Febuary 3rd, 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 CRD# 333693. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (571) 313-5125. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.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 ........................................................................................................................................... 5 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 ................................................................................................................... 7 E. Compensation for Sales of Securities ............................................................................................................................. 8 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 8 Item 7 – Types of Clients ....................................................................................................................................... 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................... 8 A. Methods of Analysis ........................................................................................................................................................ 8 B. Risk of Loss ..................................................................................................................................................................... 9 Item 9 – Disciplinary Information ........................................................................................................................ 10 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 10 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 10 A. Code of Ethics ............................................................................................................................................................... 10 B. Personal Trading with Material Interest ......................................................................................................................... 10 C. Personal Trading in Same Securities as Clients ........................................................................................................... 11 D. Personal Trading at Same Time as Client .................................................................................................................... 11 Item 12 – Brokerage Practices ............................................................................................................................ 11 A. Recommendation of Custodian[s] ................................................................................................................................. 11 B. Aggregating and Allocating Trades ............................................................................................................................... 12 Item 13 – Review of Accounts ............................................................................................................................. 12 A. Frequency of Reviews ................................................................................................................................................... 12 B. Causes for Reviews ...................................................................................................................................................... 12 C. Review Reports ............................................................................................................................................................. 12 Item 14 – Client Referrals and Other Compensation ........................................................................................ 12 A. Compensation Received by Piedmont Wealth Advisory ............................................................................................... 12 B. Compensation for Client Referrals ................................................................................................................................ 13 Item 15 – Custody ................................................................................................................................................. 13 Item 16 – Investment Discretion ......................................................................................................................... 13 Item 17 – Voting Client Securities ....................................................................................................................... 13 Item 18 – Financial Information ........................................................................................................................... 13 Form ADV Part 2B – Brochure Supplements ..................................................................................................... 14 Privacy Policy ....................................................................................................................................................... 23 Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 3  Item 4 – Advisory Services A. Firm Information Oak Barrel Wealth Advisory LLC (“Piedmont Wealth Advisory” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission. The Advisor is organized as a Limited Liability Company (LLC) under the laws of the Commonwealth of Virginia. Piedmont Wealth Advisory was founded in September 2024 and is owned and operated by Douglas H. Birnie (Founder and Managing Director). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Piedmont Wealth Advisory. B. Advisory Services Offered Piedmont Wealth Advisory offers investment advisory services to individuals, high net worth individuals, trusts, charitable organizations, and estates (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. Piedmont Wealth Advisory's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services The Advisor provides customized wealth management services for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary and non-discretionary investment management services and a broad range of comprehensive financial planning. These services are listed below. Financial Planning Services – The Advisor provides a variety of financial planning and consulting services to Clients as part of its wealth management services or as a stand-alone service pursuant to a financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. 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, 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. The Advisor may also 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 (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of 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 through the Advisor. Investment Management Services – The Advisor provides discretionary and non-discretionary investment management services. The Advisor works closely with each Client to identify their investment goals, objectives, risk tolerance and financial situation in order to create a portfolio strategy. Piedmont Wealth Advisory will then construct Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 4  an investment portfolio, consisting of low-cost, diversified mutual funds, exchange-traded funds (“ETFs”), individual stocks, and/or bonds to achieve the Client’s investment goals. The Advisor may also utilize margin and alternative investments 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. The Advisor ’s investment strategies are 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. The Advisor 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. The Advisor evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. The Advisor may recommend, on occasion, redistributing investment allocations to diversify the portfolio. The Advisor may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. The Advisor 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. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. At no time will the Advisor accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Use of Independent Managers - The Advisor may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients’ investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). C. Client Account Management Prior to engaging Piedmont Wealth Advisory to provide investment advisory services, each Client is required to enter into an agreement with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Piedmont Wealth Advisory, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 5  • Asset Allocation – Piedmont Wealth Advisory will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. • Portfolio Construction – Piedmont Wealth Advisory will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Piedmont Wealth Advisory will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Piedmont Wealth Advisory does not manage or place Client assets into a wrap fee program. Wealth management services are provided directly by Piedmont Wealth Advisory. E. Assets Under Management As of December 31, 2025, Piedmont Wealth Advisory manages $353,748,214 in Client assets, all of which are managed on a 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 Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the wealth management agreement. Wealth management fees range up to $45,000 annually based on several factors, including: the scope and 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. All Clients will be charged a minimum annual fee of $2,500. 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 may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Piedmont Wealth Advisory will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. 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 - As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. The Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% of Clients’ assets under management annually. Financial Planning Services Piedmont Wealth Advisory offers financial planning services as part of its overall wealth management fee. The Advisor also offers financial planning services as a stand-alone service. Financial planning fees range from $3,000 to $6,000 annually. Fees may be determined based on the nature and complexity of the services to be provided and Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 6  the overall relationship with the Advisor. An estimate for total costs will be determined prior to engaging for these services. B. Fee Billing Wealth Management Services Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Piedmont Wealth Advisory 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. Clients are urged to also review the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by Piedmont Wealth Advisory to be paid 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 - For Client accounts implemented through an Independent Manager, the Client’s overall fees may include the Advisor’s wealth management fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. Financial Planning Services Financial planning fees for ongoing engagements are invoiced quarterly in advance. Financial planning fees are paid via check. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Piedmont Wealth Advisory, 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, as applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. The fees charged by Piedmont Wealth Advisory are separate and distinct from these custody and execution fees. In addition, all fees paid to Piedmont Wealth Advisory 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. A Client may be able to invest in these products directly, without the services of Piedmont Wealth Advisory, but would not receive the services provided by Piedmont Wealth Advisory 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 Piedmont Wealth Advisory to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Wealth Management Services Piedmont Wealth Advisory may be compensated for its wealth management services in advance of the quarter in which 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. Upon termination, 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 7  Use of Independent Managers - In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest, the Advisor will have the discretion to terminate the relationship with the Independent Manager. The terms for termination are set forth in the respective agreements between the Advisor and the Independent Managers. Financial Planning Services Piedmont Wealth Advisory may require an advance deposit as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination to the end of the quarter. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Piedmont Wealth Advisory does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the wealth management fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management Piedmont Wealth Advisory does not charge performance-based fees for its investment advisory services. The fees charged by Piedmont Wealth Advisory are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Piedmont Wealth Advisory does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Piedmont Wealth Advisory offers investment advisory services to individuals, high net worth individuals, trusts, charitable organizations, and estates. Piedmont Wealth Advisory generally requires a minimum annual fee of $2,500 to effectively implement its wealth management services. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Piedmont Wealth Advisory primarily employs a fundamental analysis method in developing investment strategies for its Clients. Research and analysis from Piedmont Wealth Advisory are 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. This criteria consists generally of 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. As noted above, Piedmont Wealth Advisory generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Piedmont Wealth Advisory 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 Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 8  Clients. At times, Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 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 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. Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs 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. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 9  Short Sales A short sale involves the sale of a security that the Client does not own in the hope of purchasing the same security at a later date at a lower price. To make delivery to the buyer, the Client must borrow the security and is obligated to return the security to the lender, which is accomplished by a later purchase of the security. The Client realizes a profit or a loss as a result of a short sale if the price of the security decreases or increases respectively between the date of the short sale and the date on which the Client covers its short position, i.e., purchases the security to replace the borrowed security. A short sale involves the theoretically unlimited risk of an increase in the market price of the security that would result in a theoretically unlimited loss. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. 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 Piedmont Wealth Advisory or its management persons. Piedmont Wealth Advisory 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. The backgrounds of the Advisor or Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 333693. Item 10 – Other Financial Industry Activities and Affiliations Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Piedmont Wealth Advisory 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 Piedmont Wealth Advisory (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Piedmont Wealth Advisory and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Piedmont Wealth Advisory’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 (571) 313-5125. B. Personal Trading with Material Interest Piedmont Wealth Advisory allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory does not have a material interest in any securities traded in Client accounts. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 10  C. Personal Trading in Same Securities as Clients Piedmont Wealth Advisory 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 that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non- public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons 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 Piedmont Wealth Advisory requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Piedmont Wealth Advisory 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 Piedmont Wealth Advisory, or any Supervised Person of Piedmont Wealth Advisory, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Piedmont Wealth Advisory does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Piedmont Wealth Advisory to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Piedmont Wealth Advisory does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Piedmont Wealth Advisory does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended by the Advisor and will not incur any extra fee or cost associated with using a custodian not recommended by Piedmont Wealth Advisory. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Piedmont Wealth Advisory 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, and its reputation and/or the location of the Custodian’s offices. The Advisor will generally recommend that Clients establish their account[s] at Raymond James & Associates, Inc. (“Raymond James”). Raymond James is a FINRA-registered broker-dealer and New York Stock Exchange/SIPC member. Raymond James will serve as the Client’s “qualified custodian”. The Advisor maintains institutional relationships with Raymond James, whereby the Advisor receives economic benefits from the Custodian. 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. Piedmont Wealth Advisory 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. 2. Brokerage Referrals - Piedmont Wealth Advisory does not receive any compensation from any third party in connection with the recommendation for establishing an account. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 11  3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Piedmont Wealth Advisory 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]. 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]). Piedmont Wealth Advisory 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. Piedmont Wealth Advisory will execute its transactions through the Custodian as authorized by the Client. Piedmont Wealth Advisory 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 James A. Sexton, Chief Compliance Officer of Piedmont Wealth Advisory. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Piedmont Wealth Advisory 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 Piedmont Wealth Advisory Piedmont Wealth Advisory is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. Piedmont Wealth Advisory does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. Piedmont Wealth Advisory may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Piedmont Wealth Advisory may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform As noted in item 12, the Advisor has established an institutional relationship with Raymond James to assist the Advisor in managing Client account[s]. As part of the arrangement, Raymond James makes available to the Advisor, Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 12  certain research and brokerage services, including research services obtained by Raymond James directly from independent research companies. The Advisor may also receive additional services and support from Raymond James. The Advisor has an incentive to continue to use or expand the use of Raymond James's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Raymond James and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support because the Advisor renders wealth management services to Clients that maintain assets at Raymond James. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. 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, 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 Piedmont Wealth Advisory 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 Piedmont Wealth Advisory. 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 Piedmont Wealth Advisory will be in accordance with each Client's investment objectives and goals. Where Piedmont Wealth Advisory does not have discretion over the selection and amount of securities to be bought or sold in Client accounts, prior approval must be obtained from the Client prior to executing trades or allocating investment assets. Item 17 – Voting Client Securities Piedmont Wealth Advisory does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Piedmont Wealth Advisory, nor its management, have any adverse financial situations that would reasonably impair the ability of Piedmont Wealth Advisory to meet all obligations to its Clients. Neither Piedmont Wealth Advisory, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Piedmont Wealth Advisory is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 13  Form ADV Part 2B – Brochure Supplement for Douglas H. Birnie, CDFA® Founder and Managing Director Effective: January 22, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Douglas H. Birnie, CDFA® (CRD# 2646049) in addition to the information contained in the Oak Barrel Wealth Advisory LLC (“Piedmont Wealth Advisory” or the “Advisor”, CRD# 333693) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Piedmont Wealth Advisory Disclosure Brochure or this Brochure Supplement, please contact us at (571) 313-5125. Additional information about Mr. Birnie 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# 2646049. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 14  Item 2 – Educational Background and Business Experience Douglas H. Birnie, CDFA®, born in 1962, is dedicated to advising Clients of Piedmont Wealth Advisory as the Founder and Managing Director. Mr. Birnie earned his Bachelor of Science Degree from Cornell University in 1985. Additional information regarding Mr. Birnie’s employment history is included below. Employment History: Founder and Managing Director, Oak Barrel Wealth Advisory LLC Manager and Investment Advisor Representative, Oakmont Wealth Advisory, LLC 01/2025 to Present 01/2019 to 12/2024 Certified Divorce Financial Analyst™ ("CDFA®") The Certified Divorce Financial Analyst (CDFA®) is a professional certification granted in the United States and Canada by the Institute for Divorce Financial Analysts™ (IDFA®). To attain the right to use the CDFA® (Certified Divorce Financial Analyst™) certification, an individual must satisfactorily fulfill the following requirements: • Education – Professionals must develop their theoretical understanding and knowledge of the financial aspects of divorce by completing a comprehensive course of study approved by the IDFA™; • Examination – Practitioners must pass a four-part (in the USA) or three-part (in Canada) Certification Examination that tests their understanding and knowledge of the financial aspects of divorce. In addition, the practitioner must demonstrate the practical application of this knowledge in the divorce process; • Experience – Individuals must have a minimum of three years’ experience in a financial or legal capacity prior to earning the right to use the CDFA® certification mark; and • Ethics – Practitioners agree to abide by a strict code of professional conduct known as the “Code of Ethics and Professional Responsibility,” which sets forth their ethical responsibilities to the public, clients, employers, and other professionals. The IDFA® may perform a background check during this process, and each candidate for CDFA® certification must disclose any investigations or legal proceedings relating to his or her professional or business conduct. Individuals who become certified must complete the following ongoing education requirements in order to maintain the right to continue to use the CDFA® designation: • Continuing Education – Complete a minimum of fifteen (15) hours of continuing education every two years, that are specifically related to the field of divorce, and • Ethics – Practitioners must voluntarily disclose any public, civil, criminal, or disciplinary actions that may have been taken against them during the past two years as part of the renewal process. If a complaint has been brought against a CDFA® by another professional or member of the general public, the CDFA® must be examined and cleared by IDFA’s Ethics Committee to maintain their designation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Birnie. Mr. Birnie has never been involved in any regulatory, civil or criminal action. There have been no lawsuits, arbitration claims or administrative proceedings against Mr. Birnie. 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. Birnie. However we do encourage you to independently view the background of Mr. Birnie on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2646049. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 15  Item 4 – Other Business Activities Mr. Birnie is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Birnie does not have any other business activities. Item 5 – Additional Compensation Mr. Birnie is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Birnie does not receive any additional forms of compensation. Item 6 – Supervision Mr. Birnie serves as the Founder and Managing Director of Piedmont Wealth Advisory and is supervised by James Sexton, the Chief Compliance Officer. Mr. Sexton can be reached at (571) 313-5125. Piedmont Wealth Advisory has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Piedmont Wealth Advisory. Further, Piedmont Wealth Advisory is subject to regulatory oversight by various agencies. These agencies require registration by Piedmont Wealth Advisory and its Supervised Persons. As a registered entity, Piedmont Wealth Advisory is subject to examinations by regulators, which may be announced or unannounced. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 16  Form ADV Part 2B – Brochure Supplement for James A. Sexton, CFP® Director of Financial Planning and Chief Compliance Officer Effective: January 22, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of James A. Sexton, CFP® (CRD# 6238381) in addition to the information contained in the Oak Barrel Wealth Advisory LLC (“Piedmont Wealth Advisory” or the “Advisor”, CRD# 333693) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Piedmont Wealth Advisory Disclosure Brochure or this Brochure Supplement, please contact us at (571) 313-5125. Additional information about Mr. Sexton 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# 6238381. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 17  Item 2 – Educational Background and Business Experience James A. Sexton, CFP®, born in 1990, is dedicated to advising Clients of Piedmont Wealth Advisory as the Director of Financial Planning and Chief Compliance Officer. Mr. Sexton earned his Bachelor's Degree from University of South Carolina in 2013. Additional information regarding Mr. Sexton’s employment history is included below. Employment History: 01/2025 to Present Director of Financial Planning and Chief Compliance Officer, Oak Barrel Wealth Advisory LLC Investment Advisor Representative, Oakmont Wealth Advisory, LLC 01/2019 to 12/2024 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 87,000 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®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Sexton. Mr. Sexton 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. Sexton. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 18  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. Sexton. However, we do encourage you to independently view the background of Mr. Sexton on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6238381. Item 4 – Other Business Activities Mr. Sexton is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Sexton does not have any other business activities. Item 5 – Additional Compensation Mr. Sexton is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Sexton does not receive any additional forms of compensation. Item 6 – Supervision Mr. Sexton serves as the Director of Financial Planning and Chief Compliance Officer of Piedmont Wealth Advisory. Mr. Sexton can be reached at (571) 313-5125. Piedmont Wealth Advisory has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Piedmont Wealth Advisory. Further, Piedmont Wealth Advisory is subject to regulatory oversight by various agencies. These agencies require registration by Piedmont Wealth Advisory and its Supervised Persons. As a registered entity, Piedmont Wealth Advisory is subject to examinations by regulators, which may be announced or unannounced. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 19  Form ADV Part 2B – Brochure Supplement for Paul M. Bradley, RICP® Financial Advisor Effective: January 22, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Paul M. Bradley, RICP® (CRD# 6829668) in addition to the information contained in the Oak Barrel Wealth Advisory LLC (“Piedmont Wealth Advisory” or the “Advisor”, CRD# 333693) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Piedmont Wealth Advisory Disclosure Brochure or this Brochure Supplement, please contact us at (571) 313-5125. Additional information about Mr. Bradley 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# 6829668. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 20  Item 2 – Educational Background and Business Experience Paul M. Bradley, RICP®, born in 1991, is dedicated to advising Clients of Piedmont Wealth Advisory as a Financial Advisor. Mr. Bradley attended Corning Community College in 2012. Additional information regarding Mr. Bradley’s employment history is included below. Employment History: Financial Advisor, Oak Barrel Wealth Advisory LLC Paraplanner / Investment Advisor Representative, Oakmont Wealth Advisory, LLC Investment Advisor Representative, Vanguard Advisers. Inc. Registered Representative, Vanguard Marketing Coporation 01/2025 to Present 07/2021 to 12/2024 12/2020 to 07/2021 09/2017 to 07/2021 Retirement Income Certified Professional™ (“RICP®”) The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and, ethics requirements. The credential is awarded by The American College, a non-profit educator with an 85-year heritage and the highest form of academic accreditation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Bradley. Mr. Bradley 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. Bradley. 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. Bradley. However, we do encourage you to independently view the background of Mr. Bradley on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6829668. Item 4 – Other Business Activities Mr. Bradley is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Bradley does not have any other business activities. Item 5 – Additional Compensation Mr. Bradley is dedicated to the investment advisory activities of Piedmont Wealth Advisory’s Clients. Mr. Bradley does not receive any additional forms of compensation. Item 6 – Supervision Mr. Bradley serves as a Financial Advisor of Piedmont Wealth Advisory and is supervised by James Sexton, the Chief Compliance Officer. Mr. Sexton can be reached at (571) 313-5125. Piedmont Wealth Advisory has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Piedmont Wealth Advisory. Further, Piedmont Wealth Advisory is subject to regulatory oversight by various agencies. These agencies require registration by Piedmont Wealth Advisory and its Supervised Persons. As a registered entity, Piedmont Wealth Advisory is subject Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 21  to examinations by regulators, which may be announced or unannounced. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 22  Privacy Policy Effective: January 22, 2026 Our Commitment to You Oak Barrel Wealth Advisory LLC (“Piedmont Wealth Advisory” 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. Piedmont Wealth Advisory (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. Piedmont Wealth Advisory 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. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 23  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 to: processing No Not Shared Yes Yes 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 transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes Piedmont Wealth Advisory 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 Piedmont Wealth Advisory 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]. No Not Shared Information About Former Clients Piedmont Wealth Advisory 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 (571) 313-5125. Piedmont Wealth Advisory 12030 Sunrise Valley Drive, Reston, VA 20191 Phone: (571) 313-5125 * Fax: (571) 449-2076 https://www.piedmontwealthadvisory.com/ Page 24