PROVIDENCE WEALTH MANAGEMENT LLC

Firm Brochure (Part 2A of Form ADV) 2030 Falling Waters Road, Suite 175 Knoxville, TN 37922 PHONE: 865-691-6699 FAX: 865-691-6697 WEBSITE: www.ProvidenceAdvisors.com EMAIL: Paul@ProvidenceAdvisors.com This brochure provides information about the qualifications and business practices of Providence Wealth Management, LLC. Being registered as an investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 865-691-6699 or by email at Paul@ProvidenceAdvisors.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities authority. Additional information about Providence Wealth Management, LLC (IARD #144902) is available on the SEC’s website at www.adviserinfo.sec.gov April 14, 2026  Item 2: Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material Material Changes since the Last Update changes occur since the previous release of the Firm Brochure. • Since the last update filed on February 11, 2026, the following has been updated: • Item 4 to update the assets under management for the firm. Full Brochure Available Item 5: Gradient Investments Co-Advisor fee schedule updated. Whenever you would like to receive a complete copy of our Firm Brochure, please contact us by telephone at: 865-691-6699 or by email at: Paul@ProvidenceAdvisors.com. i  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes ...................................................................................................................... i Annual Update .................................................................................................................................................. i Material Changes since the Last Update ................................................................................................ i Item 3: Table of Contents .................................................................................................................... ii Full Brochure Available ................................................................................................................................ i Item 4: Advisory Business .................................................................................................................. 1 Firm Description ............................................................................................................................................ 1 Types of Advisory Services ........................................................................................................................ 1 Client Tailored Services and Client Imposed Restrictions ............................................................. 3 Wrap Fee Programs ...................................................................................................................................... 3 Item 5: Fees and Compensation ....................................................................................................... 3 Client Assets Under Management ............................................................................................................ 3 Method of Compensation and Fee Schedule........................................................................................ 3 Client Payment of Fees ................................................................................................................................. 6 Additional Client Fees Charged ................................................................................................................ 6 Prepayment of Client Fees .......................................................................................................................... 6 Item 6: Performance-Based Fees ..................................................................................................... 6 External Compensation for the Sale of Securities to Clients ......................................................... 6 Item 7: Types of Clients ....................................................................................................................... 6 Sharing of Capital Gains ............................................................................................................................... 6 Description ....................................................................................................................................................... 6 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................ 7 Account Minimums ....................................................................................................................................... 6 Methods of Analysis ...................................................................................................................................... 7 Investment Strategy ...................................................................................................................................... 7 Item 9: Disciplinary Information ..................................................................................................... 8 Security Specific Material Risks ............................................................................................................... 7 Criminal or Civil Actions ............................................................................................................................. 8 ii  Administrative Enforcement Proceedings ........................................................................................... 8 Item 10: Other Financial Industry Activities and Affiliations ............................................... 8 Self-Regulatory Organization Enforcement Proceedings ............................................................... 8 Broker-Dealer or Representative Registration .................................................................................. 8 Futures or Commodity Registration ....................................................................................................... 8 Material Relationships Maintained by this Advisory Business and Conflicts of Interest .. 8 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Recommendations or Selections of Other Investment Advisors and Conflicts of Interest 9 Trading ..................................................................................................................................................... 9 Code of Ethics Description ......................................................................................................................... 9 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest .............................................................................................................................................................10 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest .............................................................................................................................................................10 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ......................................................................................................... 10 Transactions and Conflicts of Interest .................................................................................................10 Factors Used to Select Broker-Dealers for Client Transactions .................................................10 Item 13: Review of Accounts ........................................................................................................... 11 Aggregating Securities Transactions for Client Accounts ............................................................11 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ..........................................................................................................................................11 Review of Client Accounts on Non-Periodic Basis ..........................................................................11 Item 14: Client Referrals and Other Compensation ................................................................ 12 Content of Client Provided Reports and Frequency .......................................................................11 Economic benefits provided to the Advisory Firm from External Sources and Conflicts of Interest .............................................................................................................................................................12 Item 15: Custody .................................................................................................................................. 12 Advisory Firm Payments for Client Referrals ...................................................................................12 Item 16: Investment Discretion ..................................................................................................... 12 Account Statements ....................................................................................................................................12 Item 17: Voting Client Securities ................................................................................................... 13 Discretionary Authority for Trading ....................................................................................................12 Proxy Votes ....................................................................................................................................................13 iii  Item 18: Financial Information ...................................................................................................... 13 Balance Sheet .................................................................................................................................................13 Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................13 Supervised Person Brochure .......................................................................................................... 14 Bankruptcy Petitions during the Past Ten Years .............................................................................13 Paul Warren Cochran .................................................................................................................................14 Educational Background and Business Experience .......................................................................15 Disciplinary Information ...........................................................................................................................15 Other Business Activities ..........................................................................................................................15 Additional Compensation .........................................................................................................................15 Supervised Person Brochure .......................................................................................................... 17 Supervision .....................................................................................................................................................16 ® Garrett Andrew Crawford, CFP ............................................................................................................17 Educational Background and Business Experience .......................................................................18 Professional Certifications .......................................................................................................................18 Disciplinary Information ...........................................................................................................................19 Other Business Activities ..........................................................................................................................19 Additional Compensation .........................................................................................................................19 Supervised Person Brochure .......................................................................................................... 20 Supervision .....................................................................................................................................................19 Adam Bryant Reed .......................................................................................................................................20 Educational Background and Business Experience .......................................................................21 Disciplinary Information ...........................................................................................................................21 Other Business Activities ..........................................................................................................................21 Additional Compensation .........................................................................................................................21 Supervision .....................................................................................................................................................22 iv  Item 4: Advisory Business Firm Description Providence Wealth Management, LLC, (“PWM”) was founded in 2007. Paul W. Cochran is a Types of Advisory Services 100% owner. ASSET MANAGEMENT CO-ADVISOR PWM has entered into a Co-Advisor relationship with Gradient Investments, LLC (GI). PWM will provide information to each client regarding the services offered by GI as the portfolio manager. PWM will assist the Client to determine the appropriate model selection based on the Client’s investment objectives and risk tolerance. PWM will have full discretion on an ongoing basis to select suitable models to maintain client’s risk tolerance. PWM will share in the management fees charged by GI as described in Item 5 of this brochure. FINANCIAL PLANNING AND CONSULTING PWM offers the following financial planning and consulting services. The exact services for Full Financial Plan each type of planning may vary from client to client. Financial planning services include an evaluation of a client’s current financial situation and stated financial objectives, as well as planning for future financial needs based on information provided by the client. These services may incorporate analysis of cash flow, net worth, tax considerations, asset allocation, retirement planning, and estate planning considerations, as applicable. Financial plans are developed using assumptions and information available at the time and may change as a client’s circumstances or objectives Consultation Services evolve. This service is designed for clients seeking guidance on specific financial topics rather than a comprehensive financial plan. It does not constitute a detailed financial review and will not result in a complete financial plan. Clients may choose from the topics listed above or other topics deemed appropriate. The specific topics included in the service will be documented and agreed upon in the financial planning and consulting agreement. A conflict of interest exists between the interests of the investment advisor and the interests of the Client; the Client is under no obligation to act upon the investment advisor’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through PWM. Client may cancel at any time during the ninety (90) days with no cost or obligation. Services are completed and Ongoing Financial Planning Services delivered inside of ninety (90) days. • Tax Return Review: For clients who are in the accumulation phase of their financial lives, PWM offers an ongoing financial planning service model. This service is designed to provide guidance on financial topics outside of the investment portfolio. PWM will provide guidance on the following topics: Diagnostic review of tax returns to identify opportunities for efficiency (distinct from tax preparation). 1  • Savings and Debt Management: Analysis of cash flow, savings rates, and debt pay- • Retirement Planning: down strategies. Trajectory analysis and goal tracking for long-term • Insurance Policy Review: retirement accumulation. Risk management review of existing life, disability, and • Employee Benefits Review: property/casualty coverage. Guidance on workplace benefits, open enrollment, and • Annual Beneficiary Review: external retirement accounts. Periodic review of beneficiary designations across all • Assets under Advisement: accounts. Ongoing review of advised account(s), including monitoring holdings and performance, with updates provided to the client at least quarterly. These accounts are not held or custodied by the Firm, and any recommended changes must be implemented by the client. Regular Plan Review and Updates Ongoing financial planning services involve continuous monitoring, review, and guidance that go beyond a one-time financial plan. The ongoing fee reflects the time required to help clients maintain alignment with their financial goals in a dynamic environment. Specific activities included under an ongoing fee may include: o 1. o Quarterly, semi-annual, or annual meetings to review the client’s financial situation, goals, and progress. Investment and Portfolio Support Adjustments to cash flow, savings, investment allocations, and retirement projections based on changing circumstances. o 2. o Periodic evaluation of asset allocation and investment performance in the context of client objectives. Cash Flow and Budgeting Assistance Guidance on contributions, withdrawals, and portfolio rebalancing strategies. 3. o o Ongoing analysis of income, expenses, and debt management strategies. Tax and Estate Planning Coordination Recommendations for optimizing spending and savings to support financial goals. o 4. o Coordination with client’s tax advisors to review tax implications of financial decisions. Life Event and Goal Adjustments Review and discussion of estate planning documents and strategies to ensure they remain aligned with client objectives. o 5. Guidance and plan adjustments for significant life events, such as marriage, birth of a child, career change, retirement, or inheritance. 2  o Education and College Funding Planning Scenario modeling to evaluate the impact of potential decisions or market changes. o 6. Documentation and Reporting Ongoing guidance for funding education expenses, including reviewing savings strategies and account options. o 7. Preparation and delivery of updated financial plans, worksheets, and reports summarizing client progress and recommendations. Financial circumstances, markets, and regulations evolve continuously. An ongoing planning relationship allows the firm to proactively adjust strategies, monitor progress, and provide timely advice, which cannot be achieved through a one-time financial plan. The ongoing fee reflects the firm’s commitment to providing comprehensive, personalized, and timely financial guidance. Ongoing financial planning services will continue on a year-to-year basis and will remain in effect until terminated by either the client or the firm in accordance with the terms of the Client Tailored Services and Client Imposed Restrictions financial planning and consulting agreement. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be Wrap Fee Programs assigned without Client consent. Client Assets Under Management PWM does not participate in wrap fee programs. PWM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: $151,831,467 $0 Date Calculated: April 13, 2026 Item 5: Fees and Compensation Method of Compensation and Fee Schedule ASSET MANAGEMENT - CO-ADVISOR FEES The below fees are negotiable. Fees are assessed quarterly in arrears based on the amount and will take into account of the assets managed as of the end of the previous quarter additions and withdrawals in the time period. All management fees are withdrawn from the client’s account unless otherwise noted. GI will receive written authorization from the client to deduct advisory fees from their account held by a qualified custodian. GI will pay PWM their share of the fees. PWM does not have access to deduct client fees. Clients may terminate their account within five business days of signing the investment advisory agreement with no obligation. For terminations after the initial five business days, GI will be entitled to a pro-rata fee for the days service was provided in the final quarter. GI will pay PWM their portion of the final fee. As part of the recommendations provided, the Client may have a financial plan completed at no additional cost. 3  This relationship will be disclosed to the client in each contract between PWM and Third Party Money Manager. PWM does not charge additional management fees for Third Party managed account services. Client's signature is required to confirm consent for services within Third Party Investment Agreement. Client will initial PWM Investment Advisory Agreement to acknowledge receipt of Third Party fee Schedule and required documents Fee Schedule for: Strategic & Tactical Portfolios including Form ADV Part 2 disclosures. Maximum Annual Advisory Fee Assets Valuation GI Retention PWM Retention Fee Schedule for: Private Wealth Series, Allocation & Defined Outcome Portfolios Under $250,000 $250,000 - $500,000 $500,001 - $2,000,000 $2,000,001 - $3,000,000 Over $3,000,000 Assets Valuation 1.67% 1.42% 1.17% 1.07% 0.95% Maximum Annual Advisory Fee 0.57% 0.57% 0.57% 0.57% 0.45% GI Retention 1.10% 0.85% 0.60% 0.50% 0.50% PWM Retention P Under $250,000 $250,000 - $500,000 $500,001 - $2,000,000 $2,000,001 - $3,000,000 Over $3,000,000 1.50% 1.25% 1.00% 0.90% 0.80% 0.40% 0.40% 0.40% 0.40% 0.30% 1.10% 0.85% 0.60% 0.50% 0.50% Fee Schedule for: Preservation Portfolios Assets Valuation Maximum Annual Advisory Fee* GI Retention PWM Retention All Values 0.80% 0.40% 0.40% Fee Schedule for: Custom Indexing Assets Valuation Maximum Annual Advisory Fee* GI Retention PWM Retention Strategic Allocation 1.82% 1.65% 0.72% 0.55% 1.10% 1.10% $15 Quarterly Service Fee* Fee Calculation: (Quarter End Value x Annual Fee %) x (Days in Quarter/Days in Year) + * The $15 Quarterly Service Fee is the technology fee charged per account or investment strategy for performance and other reporting. This fee is disclosed in our ADV Part 2A (Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule D: Schedule of Fees). GI will assist in the opening, closing and transferring of accounts. GI will provide institutional and 3rd party reports on securities held in the account and investment analysis via email or via phone when requested. GI will liquidate and purchase securities per the client’s request. GI will also provide administrative services per the client’s written request such as: ACH, check writing, RMD servicing. GI will provide consolidated household performance reporting on these accounts which are combined with any GI managed Incentive Program - GI accounts. In addition to the regular advisory fee, GI has instituted a long-term incentive arrangement by which the independent RIA can share in GI’s portion of the management fee. This does not change the cost to the Client; it is a sharing arrangement paid from GI’s portion of the advisory fee. The incentive arrangement will be paid annually according to the following table: 4  PWM quarterly AUM with GI $10,000,000 $25,000,000 $50,000,000 $75,000,000 Participation rate in GI’s fee 3.00% 10.00% 12.50% 15.00% Once PWM reaches and maintains the thresholds listed above, the participation rate applies to all of the AUM for the quarter. To receive the incentive award, PWM needs to meet two qualifications. First, the quarter end billable AUM must be above the threshold amounts specified. Second, PWM must be an advisor “in good standing” with GI at the time the annual checks are issued. “In good standing” means the advisor is proactively placing assets with GI. Under the Client’s investment advisory relationship with Advisor, all funds should be made payable to the Advisor’s clearing firm. PWM may not accept cash or any other instrument payable to PWM. 1. 2. 3. 4. 5. The management fees listed herein is Gradient Investments, LLC fee schedule as contained in the advisory agreement. All accounts assigned to and managed by Gradient Investments, LLC follow the above fee schedule and cannot be altered by PWM without written consent from Gradient Investments, LLC PWM’s portion of the management fee will be paid to PWM within 30 days after receipt by Advisor. A Client with multiple accounts may combine assets for fee computation. Fees are payable quarterly, in arrears, based on the most recent quarter end values. Full Financial Plan & Consultation Services FINANCIAL PLANNING and CONSULTING PWM charges hourly fee of $350 based on complexity and unique Client needs for financial planning. Prior to the planning process the Client will be provided an estimated plan fee. Fees for financial plans are due upon delivery of the completed plan. Services are completed and delivered inside of ninety (90) days contingent upon timely delivery of all required documentation. Client may cancel within five (5) business days of signing Agreement with no obligation and without penalty. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to PWM. PWM reserves the right to waive the fee should the Client Ongoing Financial Planning Fees implement the plan through PWM. The annual fee for ongoing financial planning services ranges from $1,000 to $30,000, depending on the scope and complexity of services provided. The fee will be billed quarterly in arrears in four equal installments. Ongoing financial planning services will continue until cancelled by either the client or the firm. The client may cancel services at any time by providing written notice. If services are cancelled, fees for any services provided will be prorated for the period of time services were rendered and will be due to the firm. 5  Client Payment of Fees Investment management fees are charged quarterly in arrears. Fees are usually deducted from a designated Client account to facilitate billing. The Client must consent in advance to direct debiting of their investment account. Fees for financial plans are due upon delivery of the financial plan. Clients will be billed in accordance with the Co-Advisor’s fee schedule which will be Additional Client Fees Charged disclosed to the Client’s prior to signing an agreement. Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities and exchange-traded funds. These transaction charges are usually small and incidental to the purchase or sale of a security. The selection of the security is more important than the nominal fee that the custodian charges to buy or sell the security. PWM, in its sole discretion, may waive its minimum fee and/or charge a lesser investment advisory fee based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with Clients, Prepayment of Client Fees etc.). External Compensation for the Sale of Securities to Clients PWM doesn’t charge fees in advance. PWM does not receive any external compensation for the sale of securities to Clients, nor do any of the investment advisor representatives of PWM. Item 6: Performance-Based Fees Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. PWM does not use a performance-based fee structure because of the conflict of interest. Performance-based compensation may create an incentive for the adviser to recommend an investment that may carry a higher degree of risk to the Client. Item 7: Types of Clients Description PWM generally provides investment advice to individuals, high net worth individuals, Account Minimums corporations or business entities. Client relationships vary in scope and length of service. PWM does not require a minimum to open an account however Third Party Money Managers we utilize may have a minimum to open an account on their platform. 6  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Security analysis methods may include fundamental analysis, technical analysis, and cyclical analysis. Investing in securities involves risk of loss that Clients should be prepared to bear. Past performance is not a guarantee of future returns. Fundamental analysis involves evaluating a stock using real data such as company revenues, earnings, return on equity, and profits margins to determine underlying value and potential growth. Technical analysis involves evaluating securities based on past prices and volume. Cyclical analysis involves analyzing the cycles of the market. When creating a financial plan, PWM utilizes fundamental analysis to provide review of insurance policies for economic value and income replacement. Technical analysis is used to review mutual funds and individual stocks. The main sources of information include Morningstar, Client documents such as tax returns and insurance policies. In developing a financial plan for a Client, PWM’s analysis may include cash flow analysis, investment planning, risk management, tax planning and estate planning. Based on the information gathered, a detailed strategy is tailored to the Client’s specific situation. The main sources of information include financial newspapers and magazines, annual Investment Strategy reports, prospectuses, and filings with the Securities and Exchange Commission. The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time. Each Client executes an Investment Policy Statement or Risk Tolerance that documents their objectives and their desired investment strategy. Other strategies may include long-term purchases, short-term purchases, trading, short sales, margin transactions and option writing (including covered options, uncovered Security Specific Material Risks options or spreading strategies). Interest-rate Risk • All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks and should discuss these risks with PWM: • Market Risk : Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • : The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For Inflation Risk example, political, economic and social conditions may trigger market events. • Currency Risk : When any type of inflation is present, a dollar today will buy more than a dollar next year, because purchasing power is eroding at the rate of inflation. : Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. 7  • Reinvestment Risk • Business Risk : This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Liquidity Risk : These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. : Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties • Financial Risk are not. : Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings PWM and its management have not been involved in any criminal or civil action. PWM and its management have not been involved in administrative enforcement Self-Regulatory Organization Enforcement Proceedings proceedings. PWM and its management have not been involved in legal or disciplinary events related to past or present investment Clients. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Futures or Commodity Registration No affiliated representatives of PWM are registered representatives of a broker-dealer. Neither PWM nor its employees are registered or has an application pending to register as Material Relationships Maintained by this Advisory Business and Conflicts of Interest a futures commission merchant, commodity pool operator, or a commodity trading advisor. Paul Cochran has a financial industry affiliated business as an insurance agent. From time to time, he offers Clients advice or products from those activities. Paul also has a tax service affiliated business. These practices represent conflicts of interest because it gives him an incentive to recommend products based on the commission and/or fee amount received. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products or 8  services. Clients have the option to purchase these products and services through another Recommendations or Selections of Other Investment Advisors and Conflicts of insurance agent or tax professional of their choosing. Interest PWM utilizes the services of Third Party Money Managers to manage client accounts. In such circumstances, PWM receives Co-Advisor fees from the Third Party Manager. This situation creates a conflict of interest. However, when referring clients to a Third Party Money Manager, the client’s best interest will be the main determining factor of PWM. These fees do not include brokerage fees that may be assessed by the custodian. Fees for these services are based on a percentage of Assets Under Management not to exceed any limit imposed by any regulatory agency. The final fee schedule is disclosed in the Client agreement. This Co-Advisor relationship is disclosed to the client in each contract between PWM and Third Party Money Manager. PWM does not charge additional management fees for Third Party Managed Account Services. Client's signature is required to confirm consent for services within Third Party Investment Agreement. Client initials PWM 's Investment Advisory Agreement to acknowledge receipt of Third Party Fee Schedule and required documents including Form ADV Part 2 disclosures. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description The employees of PWM have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of PWM employees and addresses conflicts that may arise. The Code defines acceptable behavior for employees of PWM. The Code reflects PWM and its supervised persons’ responsibility to act in the best interest of their Client. One area which the Code addresses is when employees buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our Clients. We do not allow any employees to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. PWM’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other employee, officer or director of PWM may recommend any transaction in a security or its derivative to advisory Clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. PWM’s Code is based on the guiding principle that the interests of the Client are our top priority. PWM’s officers, directors, advisors, and other employees have a fiduciary duty to our Clients and must diligently perform that duty to maintain the complete trust and confidence of our Clients. When a conflict arises, it is our obligation to put the Client’s interests over the interests of either employees or the company. The Code applies to “access” persons. “Access” persons are employees who have access to non-public information regarding any Clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are involved in 9  to Clients, or who have access to such making securities recommendations recommendations that are non-public. The firm will provide a copy of the Code of Ethics to any Client or prospective Client upon Investment Recommendations Involving a Material Financial Interest and Conflict of request. Interest PWM and its employees do not recommend to Clients securities in which we have a Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of material financial interest. Interest PWM and its employees may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as front running, employees are required to disclose all reportable securities transactions as well as provide PWM with copies of their brokerage statements. The Chief Compliance Officer (CCO) of PWM is Paul Cochran. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect the markets and that Clients of the firm receive preferential Client Securities Recommendations or Trades and Concurrent Advisory Firm treatment over employee transactions. Securities Transactions and Conflicts of Interest PWM does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, employees may buy or sell securities at the same time they buy or sell securities for Clients. In order to mitigate conflicts of interest such as front running, employees are required to disclose all reportable securities transactions as well as provide PWM with copies of their brokerage statements. The CCO of PWM is Paul Cochran. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect the markets and that Clients of the firm receive preferential treatment over employee transactions. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions • Directed Brokerage PWM may recommend the use of a particular broker-dealer or may utilize a broker-dealer of the Client's choosing. PWM will select appropriate brokers based on a number of factors including but not limited to their relatively low transaction fees and reporting ability. PWM relies on its broker to provide its execution services at the best prices available. Lower fees for comparable services may be available from other sources. Clients pay for any and all custodial fees in addition to the advisory fee charged by PWM. • Best Execution PWM does not allow directed brokerage. Investment advisors who manage or supervise Client portfolios on a discretionary basis have a fiduciary obligation of best execution. The determination of what may 10  • Soft Dollar Arrangements constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is effected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker- dealer, the value of an ongoing relationship with such broker and the financial strength and stability of the broker. The firm does not receive any portion of the trading fees. PWM utilizes the services of custodial broker dealers. Economic benefits are received by PWM which would not be received if PWM did not give investment advice to Clients. These benefits include: A dedicated trading desk, a dedicated service group and an account services manager dedicated to PWM's accounts, ability to conduct "block" Client trades, electronic download of trades, balances and positions, duplicate and batched Client statements, and the ability to have advisory fees directly deducted from Client accounts. Aggregating Securities Transactions for Client Accounts A conflict of interest exists when PWM receives soft dollars. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to act in the best interest of his Clients and the services received are beneficial to all Clients. PWM is authorized in its discretion to aggregate purchases and sales and other transactions made for the account with purchases and sales and transactions in the same securities for other Clients of PWM. All Clients participating in the aggregated order shall receive an average share price with all other transaction costs shared on a pro-rated basis. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Account reviews are performed quarterly by Paul Cochran, CCO. Account reviews are performed more frequently when market conditions dictate. Financial Plans are considered complete when recommendations are delivered to the Client and a review is done only Review of Client Accounts on Non-Periodic Basis upon request of Client. Other conditions that may trigger a review of Clients accounts are changes in the tax laws, Content of Client Provided Reports and Frequency new investment information, and changes in a Client's own situation. Clients receive account statements no less than quarterly for managed accounts. Account statement are issued by the PWM’s or Third Party Money Manager’s custodian. Client receives confirmations of each transaction in account from Custodian and an additional statement during any month in which a transaction occurs. 11  Item 14: Client Referrals and Other Compensation Economic benefits provided to the Advisory Firm from External Sources and Conflicts of Interest PWM receive a portion of the annual management fees collected from the Third Party Money Managers to whom we refer Clients. This situation creates a conflict of interest because the Firm and/or its Investment Advisor Representative have an incentive to decide what Third Party Money Managers to use because of the higher referral fees to be received by us. However, when referring Clients to a Third Party Money Manager, the Client’s best interest will be the main determining factor of the Firm. Financial consultants may be eligible for cash and non-cash compensation including bonuses, recognition trips and other benefits. Some of these programs may be financed in whole or in part by unaffiliated third parties, including Third Party Money Managers, which may influence some representatives to favor those managers. See the prior sections entitled “Fees and Compensation” and “Other Financial Industry Activities and Affiliations” for more details regarding compensation and conflicts of interests. PWM’s investment advisor representatives may receive certain benefits from Gradient Investments, LLC (and/or its affiliated companies) based on achieving certain production thresholds. These thresholds are not based on the sale of any specific product or specific product type. These incentives include marketing assistance, access to technology, office support, and business trainings and trips. While some of these benefit the client, such as technology and training, some do not. This creates a conflict of interest because it gives an This conflict is mitigated by incentive to the representative to meet this threshold. disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first. Clients are not required to use Gradient Investments, LLC or any of its affiliated Advisory Firm Payments for Client Referrals companies. PWM does not compensate for Client referrals. Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to Clients at their address of record at least quarterly. Clients are urged to compare the account statements received directly from their custodians to the performance report statements prepared by PWM. PWM is deemed to have indirect custody solely because advisory fees are directly deducted from Client’s accounts by the custodian on behalf of PWM. Item 16: Investment Discretion Discretionary Authority for Trading PWM accepts discretionary authority to manage securities accounts on behalf of Clients. PWM has the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. However, PWM consults with the Client prior to each trade to obtain concurrence if a blanket trading authorization has not been given. 12  The Client approves the custodian to be used and the commission rates paid to the custodian. PWM does not receive any portion of the transaction fees or commissions paid by the Client to the custodian on certain trades. Item 17: Voting Client Securities Proxy Votes PWM does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies is requested, PWM will provide recommendations to the Client. If a conflict of interest exists, it will be disclosed to the Client. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided because PWM does not serve as a custodian for Client funds or securities and PWM does not require prepayment of fees of more than Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet $1,200 per Client and six months or more in advance. Commitments to Clients PWM has no condition that is reasonably likely to impair our ability to meet contractual Bankruptcy Petitions during the Past Ten Years commitments to our Clients. Neither PWM nor its management has had any bankruptcy petitions in the last ten years. 13  Supervised Person Brochure Paul Warren Cochran Part 2B of Form ADV 2030 Falling Waters Road, Suite 175 Knoxville, TN 37922 PHONE: 865-691-6699 FAX: 865-691-6697 WEBSITE: www.providenceadvisors.com EMAIL: Paul@ProvidenceAdvisors.com This brochure supplement provides information about Paul Cochran and supplements Providence Wealth Management, LLC’s brochure. You should have received a copy of that brochure. Please contact Paul Cochran if you did not receive Providence Wealth Management, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Paul Cochran (IARD #4902875) is available on the SEC’s website at www.adviserinfo.sec.gov. February 11, 2026 14  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officers and Management Persons - Paul Warren Cochran • Educational Background and Business Experience Year of birth: 1960 • Educational Background: • University of Tennessee; BS, Education • Columbia International University; Certificate Spanish Language Institute; Certificate • Business Experience: • Providence Wealth Management, LLC; CEO/CCO/Managing Member; 06/2007 – Present • Providence Tax Advisors, LLC; Managing Member; 01/2009 - Present • Providence LTC Advisors, Inc.; President/Insurance Sales; 09/2001 – Present • Providence Advisors Group, LLC; Owner/Insurance Agent; 01/1993 - 12/2025 Disciplinary Information Long Term Preferred Care, Inc.; LTC Specialist and Manager; 01/1993 - 09/2001 Other Business Activities Mr. Cochran does not have any disciplinary information to report. Paul Cochran has a financial industry affiliated business as an insurance agent. From time to time, he offers Clients advice or products from those activities. Paul also has a tax service affiliated business. These practices represent conflicts of interest because it gives him an incentive to recommend products based on the commission and/or fee amount received. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products or services. Clients have the option to purchase these products and services through another Additional Compensation insurance agent or tax professional of their choosing. Mr. Cochran receives additional compensation in his capacity as an insurance agent and in his capacity as a tax advisor, but he does not receive any performance-based fees. Paul Cochran may receive certain benefits from Gradient Investments, LLC (and/or its affiliated companies) based on achieving certain production thresholds. These thresholds are not based on the sale of any specific product or specific product type. These incentives include marketing assistance, access to technology, office support, and business trainings and trips. While some of these benefit the client, such as technology and training, some do not. This creates a conflict of interest because it gives an incentive to the representative to meet this threshold. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first. Clients are not required to use Gradient Investments, LLC or any of its affiliated companies. 15  Supervision Mr. Cochran is the CEO/CCO/Managing Member of Providence Wealth Management, LLC; therefore, he is solely responsible for all supervision and formulation and monitoring of investment advice offered to Clients. He will adhere to the policies and procedures as described in the firm’s Compliance Manual. 16  Supervised Person Brochure Garrett Andrew Crawford, CFP® Part 2B of Form ADV 2030 Falling Waters Road, Suite 175 Knoxville, TN 37922 PHONE: 865-691-6699 FAX: 865-691-6697 WEBSITE: www.providenceadvisors.com EMAIL: Garrett@ProvidenceAdvisors.com This brochure supplement provides information about Garrett Crawford and supplements Providence Wealth Management, LLC’s (Firm CRD #144902) brochure. You should have received a copy of that brochure. Please contact Garrett Crawford if you did not receive Providence Wealth Management, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Garrett Crawford (CRD #6238904) is available on the SEC’s website at www.adviserinfo.sec.gov. February 11, 2026 17  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officers and Management Persons Garrett Andrew Crawford, CFP® • Educational Background and Business Experience Year of birth: 1987 • Educational Background: University of Tennessee; Bachelor of Science; Electrical Engineering; 2011 • Business Experience: • Providence Wealth Management, LLC; President/Investment Advisor Representative; 04/2013 – Present • Providence LTC Advisors, Inc.; Insurance Sales; 01/2014 - Present • Cornerstone Church; College Ministry Intern; 01/2012 – 04/2013 Professional Certifications Duke Energy; Electrical Engineer Intern; 07/2010 – 08/2011 Garrett Crawford has earned certifications and credentials that are required to be explained in further detail. ® , CFP ® and federally registered CFP (with flame marks”) are professional certification marks granted ™ The CERTIFIED FINANCIAL PLANNER design) marks (collectively, the “CFP in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). ® ® certification is a voluntary certification; no federal or state law or regulation The CFP certification. It is recognized in the United States requires financial planners to hold CFP 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. ® marks, an individual must satisfactorily fulfill the • To attain the right to use the CFP following requirements: • ® • Standards of Professional Conduct • , a set of ® 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 documents outlining the ethical and practice standards for CFP professionals. 18  ® • 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: Standards of Code of Ethics Continuing Education – Complete 30 hours of continuing education hours every two Professional Conduct years, including two hours on the and other parts of the , to maintain competence and keep up with developments in the Standards of Professional Conduct. • Standards prominently require that CFP ® professionals provide financial professionals financial planning field; and Ethics – Renew an agreement to be bound by the ® The planning services at a fiduciary standard of care. This means CFP must provide financial planning services in the best interests of their Clients. ® professionals who fail to comply with the above standards and requirements may be ® CFP subject to CFP Board’s enforcement process, which could result in suspension or Disciplinary Information permanent revocation of their CFP certification. Other Business Activities Mr. Crawford does not have any disciplinary information to report. Garrett Crawford has a financial industry affiliated business as an insurance agent. From time to time, he offers clients advice or products from that activity. This practice represents a conflict of interest because it gives him an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to place the best interest of the client first and the clients are not required to purchase any products or services. Clients have the option to purchase these products and services through another insurance agent Additional Compensation of their choosing. Mr. Crawford does not receive any performance-based fees. Garrett Crawford may receive certain benefits from Gradient Investments, LLC (and/or its affiliated companies) based on achieving certain production thresholds. These thresholds are not based on the sale of any specific product or specific product type. These incentives include marketing assistance, access to technology, office support, and business trainings and trips. While some of these benefit the client, such as technology and training, some do not. This creates a conflict of interest because it gives an incentive to the representative to meet this threshold. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first. Clients are not required to Supervision use Gradient Investments, LLC or any of its affiliated companies. Garrett Crawford is supervised by Paul Cochran, CEO/CCO/Managing Member of Providence Wealth Management, LLC. He reviews Garrett’s work through client account reviews, quarterly personal transaction reports as well as face-to-face interactions. Paul Cochran contacted by phone at 865-691-6699 or by email at can be paul@providenceadvisors.com. 19  Supervised Person Brochure Adam Bryant Reed Part 2B of Form ADV 2030 Falling Waters Road, Suite 175 Knoxville, TN 37922 PHONE: 865-691-6699 FAX: 865-691-6697 WEBSITE: www.providenceadvisors.com EMAIL: adam@providenceadvisors.com This brochure supplement provides information about Adam Reed and supplements Providence Wealth Management, LLC’s (Firm CRD #144902) brochure. You should have received a copy of that brochure. Please contact Adam Reed if you did not receive Providence Wealth Management, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Adam Reed (CRD #7730152) is available on the SEC’s website at www.adviserinfo.sec.gov. February 11, 2026 20  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Adam Bryant Reed • Educational Background and Business Experience Year of birth: 1996 • Educational Background: Tennessee Technological University; Marketing- Business; 2019 • Business Experience: • Providence Wealth Management, LLC; Investment Advisor Representative; 03/2025 – Present • Providence LTC Advisors, Inc.; Insurance Agent 01/2025 - Present • Northwestern Mutual Investment Services LLC; Registered Representative; 10/2024 – 01/2025 • Mitch B Reed and Associates PLLC; Marketer; 04/2023 – Present • Axiom Wealth Management; Practice Management; 04/2023 – 01/2025 • Campus Outreach; Campus Staff; 05/2019 – 04/2023 Disciplinary Information Full Time Student; 08/2010 – 05/2019 Other Business Activities Mr. Reed does not have any disciplinary information to report. Adam Reed has a financial industry affiliated business as an insurance agent. From time to time, he offers clients advice or products from that activity. This practice represents a conflict of interest because it gives him an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to place the best interest of the client first and the clients are not required to purchase any products or services. Clients have the option to purchase these products and services through another insurance agent Additional Compensation of their choosing. Mr. Reed does not receive any performance-based fees. Adam Reed may receive certain benefits from Gradient Investments, LLC (and/or its affiliated companies) based on achieving certain production thresholds. These thresholds are not based on the sale of any specific product or specific product type. These incentives include marketing assistance, access to technology, office support, and business trainings and trips. While some of these benefit the client, such as technology and training, some do not. This creates a conflict of interest because it gives an incentive to the representative to meet this threshold. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first. Clients are not required to use Gradient Investments, LLC or any of its affiliated companies. 21  Supervision Adam Reed is supervised by Paul Cochran, CEO/CCO/Managing Member of Providence Wealth Management, LLC. He reviews Adam’s work through client account reviews, quarterly personal transaction reports as well as face-to-face interactions. Paul Cochran can be contacted by phone at 865-691-6699 or by email at paul@providenceadvisors.com. 22