PW NOVA FINANCIAL SERVICES LLC

PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 PW Nova Financial Services, LLC dba JW Nova Wealth Partners | dba PWA Financial Firm Brochure – Form ADV Part 2A March 11, 2026 201 South State St., Suite 1A Newtown, PA 18940 (267) 753-7065 inf o@jwnova.com CRD Number: 333595 This brochure provides information about the qualifications and business practices of PW Nova Financial Services, LLC dba JW Nova Wealth Partners and dba PWA Financial. If you have any questions about the contents of this brochure, please contact us at (267) 753-7065 or by email at info@jwnova.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. Registration as an investment adviser does not imply a certain level of skill or traini ng. Additional information about the firm is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 2: Material Changes The material changes in this brochure f rom the last annual updating amendment on February 5, 2025, are described below. Material changes relate to the f irm’s policies, practices, or conf licts of interest. Ownership Clarification: The f irm has updated its disclosure to ref lect that PW Nova Financial Services, LLC is owned 50% by CMC Wealth Partners, Inc. and 50% by Sebvivi Enterprises, Inc. Branding: The f irm now explicitly identif ies its two advisory practices: JW Nova Wealth Partners and PWA Financial. Assets Under Management: The f irm has updated its Assets Under Management as of December 2025. (Item 4.E) Fee Update: The maximum annual advisory f ee has been updated to 2.00%. Page 2 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 3: Table of Contents Item 1: Cover Page ................................................................................................................. 1 Item 2: Material Changes ........................................................................................................ 2 Item 3: Table of Contents ........................................................................................................ 3 Item 4: Advisory Business ....................................................................................................... 4 Item 5: Fees and Compensation .............................................................................................. 6 Item 6: Perf ormance-B ased Fees and Side-By-Side Management ............................................. 7 Item 7: Types of Clients........................................................................................................... 8 Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss ........................................... 9 Item 9: Disciplinary Inf ormation .............................................................................................. 12 Item 10: Other Financial Industry Activities and Aff iliations....................................................... 13 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ... 14 Item 12: Brokerage Practices................................................................................................. 15 Item 13: Review of Accounts ................................................................................................. 16 Item 14: Client Ref errals and Other Compensation ................................................................. 17 Item 15: Custody .................................................................................................................. 18 Item 16: Investment Discretion............................................................................................... 19 Item 17: Voting Client Securities (Proxy Voting) ...................................................................... 20 Item 18: Financial Inf ormation................................................................................................ 21 Page 3 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 4: Advisory Business A. Description of the Advisory Firm PW Nova Financial Services LLC dba JW Nova Wealth Partners and dba PWA Financial (hereinaf ter “the f irm”) is a Limited Liability Company organized in the State of Delaware. The f irm was f ormed in September 2024, and the principal owners are CMC Wealth Partners, Inc. and Sebvivi Enterprises, Inc. B. Types of Advisory Services Wrap Fee Wealth Management Services The f irm of f ers ongoing wrap f ee wealth management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. The f irm creates an Investment Policy Statement f or each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portf olio that matches each client’s specif ic situation. Wealth management services include, but are not limited to, the f ollowing: Investment strategy • • Personal investment policy • Asset allocation • Asset selection • Risk tolerance assessment • Regular portf olio monitoring • Financial planning The f irm evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. The f irm will request discretionary authority f rom clients in order to select securities and execute transactions without permission f rom the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. The f irm seeks to provide that investment decisions are made in accordance with the f iduciary duties owed to its accounts and without consideration of the f irm’s economic, investment or other f inancial interests. To meet its f iduciary obligations, the f irm attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portf olios, and accordingly, the f irm’s policy is to seek f air and equitable allocation of investment opportunities/transac tions among its clients to avoid favoring one client over another over time. The f irm may direct clients to third-party investment advisers to manage all or a portion of the client’s assets. Before selecting other advisers f or clients, the f irm will always ensure those other advisers are properly licensed or registered as an investment adviser. The f irm conducts due diligence on any third -party investment adviser, which may involve one or more of the f ollowing: phone calls, meetings and review of the third -party adviser’s perf ormance and investment strategy. Pension Consulting Services The f irm of f ers consulting services to pensions or other employee benef it plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: • Identif ying investment objectives and restrictions • Providing guidance on various asset classes and investment options • Recommending money managers to manage plan assets in ways designed to achieve objectives • Monitoring perf ormance of money managers and investment options and making recommendations f or changes • Recommending other service providers, such as custodians, administrators, and broker-dealers • Creating a written pension consulting plan Page 4 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Financial Planning Financial planning may include, but is not limited to: investment planning; lif e insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Financial planning is included in Wealth Management Services at no additional cost. Services Limited to Specific Types of Investments The f irm generally limits its investment advice to mutual f unds, f ixed income securities, real estate f unds (including REITs), venture capital f unds, private placements, insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inf lation protected/inf lation linked bonds, and non-U.S. securities. The f irm may use other securities as well to help diversif y a portf olio when applicable. Written Acknowledgement of Fiduciary Status When the f irm provides investment advice to you regarding your retirement plan account or individual retirement account, the f irm is a f iduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The f irm also has a f iduciary duty under the Investment Advisers Act of 1940 with respect to all client accounts. The way the f irm makes money creates some conf licts with your interests, so the f irm operates under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, the f irm must: • Meet a prof essional standard of care when making investment recommendations (give prudent advice); • Never put our f inancial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conf licts of interest, f ees, and investments; • Follow policies and procedures designed to ensure that the f irm gives advice that is in your best interest; • Charge no more than is reasonable f or our services; and • Give you basic inf ormation about conf licts of interest. C. Client Tailored Services and Client Imposed Restrictions The f irm will tailor a program f or each individual client. This will include an interview session to get to know the client’s specif ic needs and requirements as well as a plan that will be executed by the f irm on behalf of the client. The f irm may use model allocations together with a specif ic set of recommendations f or each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or belief s. However, if the restrictions prevent the f irm f rom properly servicing the client account, or if the restrictions would require the f irm to deviate f rom its standard suite of services, the f irm reserves the right to end the relationship. D. Wrap Fee Programs The f irm acts as portf olio manager f or and sponsor of a wrap f ee program, which is an investment program where the client pays one stated f ee that includes management f ees, transaction costs, and certain other administrative f ees. However, this brochure describes the f irm’s non-wrap f ee advisory services; clients utilizing the f irm’s wrap f ee wealth management should see the f irm’s separate Wrap Fee Program Brochure. Please also see Item 5 and Item 12 of this brochure. E. Assets Under Management The f irm has the f ollowing assets under management: Discretionary Amounts: Non-Discretionary Amounts: Date Calculated: $650,103,582 $4,225,000 December 2025 Page 5 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 5: Fees and Compensation A. Fee Schedule Wealth Management and Pension Consulting Services The f irm charges clients a percentage of assets under management or advisement per client account which shall not exceed 2.00% annually. The advisory f ee is calculated using the value of the assets in the account on the last business day of the prior billing period. These f ees are generally negotiable, and the f inal f ee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty f or a f ull ref und of the f irm’s f ees within f ive business days of signing the Investment Advisory Contract. Thereaf ter, clients may terminate the Investment Advisory Contract generally with 5 days’ written notice. Selection of Other Advisers Fees Clients may pay the f irm its standard f ee in addition to the standard f ee f or the advisers to which it directs those clients. This relationship will be memorialized in each contract between the f irm and each third -party adviser. The f ees will not exceed any limit imposed by any regulatory agency. B. Payment of Fees Payment of Wealth Management Fees Asset-based wealth management f ees are withdrawn directly f rom the client’s accounts with the client’s written authorization on a monthly or quarterly basis. Fees are paid in advance. Payment of Pension Consulting Fees Asset-based pension consulting f ees are withdrawn directly f rom the client’s accounts with the client’s written authorization on a monthly or quarterly basis. Fees are paid in advance. Payment of Selection of Other Advisers’ Fees The timing, f requency, and method of paying f ees f or selection of third -party managers will depend on the specific third-party adviser selected. C. Client Responsibility For Third-Party Fees This brochure describes the f irm’s non-wrap f ee advisory services; clients utilizing the f irm’s wrap f ee wealth management should see the separate Wrap Fee Program Brochure f or additional details regarding third -party f ees. For wrap f ee wealth management accounts the f irm will wrap third-party f ees (i.e., custodian f ees, brokerage f ees, mutual f und f ees, transaction f ees, etc.). Client accounts not participating in the wrap f ee program are responsible f or the payment of all third -party f ees (i.e., custodian f ees, commissions, brokerage f ees, mutual f und f ees, transaction f ees, etc.). Those f ees are separate and distinct f rom the f ees and expenses charged by the f irm. Please see Item 12 of this brochure regarding broker/custodian. D. Prepayment of Fees The f irm collects f ees in advance. Ref unds f or f ees paid in advance but not yet earned will be ref unded on a prorated basis and returned within f ourteen days to the client via check, or return deposit back into the client’s account. For all asset-based f ees paid in advance, the ref unded f ee will be equal to the balance of the f ees collected in advance minus the daily rate multiplied by the number of days elapsed in the billing period up to and including the day of termination. (The daily rate is calculated by dividing the annual asset-based f ee rate by 365.) Page 6 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 6: Performance-Based Fees and Side-By-Side Management The f irm does not accept perf ormance-based f ees or other f ees based on a share of capital gains on or capital appreciation of the assets of a client. Page 7 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 7: Types of Clients The f irm generally provides advisory services to the f ollowing types of clients: ❖ Individuals ❖ High-Net-Worth Individuals ❖ Pension and Prof it Sharing Plans ❖ Charitable Organizations ❖ Corporations or Business Entities ❖ Trusts ❖ State or Municipal Government Entities There is no account minimum f or any of the f irm’s services. Page 8 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss Methods of Analysis and Investment Strategies Methods of Analysis The f irm’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern portf olio theory, Quantitative analysis, and Technical analysis. Charting analysis involves the use of patterns in perf ormance charts. The f irm uses this technique to search for patterns used to help predict f avorable conditions f or buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to f ind f avorable conditions f or buying and/or selling a security. Fundamental analysis involves the analysis of f inancial statements, the general f inancial health of companies, and/or the analysis of management or competitive advantages. Modern portfolio theory is a theory of investment that attempts to maximize portf olio expected return f or a given amount of portf olio risk, or equivalently minimize risk f or a given level of expected return, each by caref ully choosing the proportions of various assets. Quantitative analysis deals with measurable f actors as distinguished f rom qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Technical analysis involves the analysis of past market data; primarily price and volume. Investment Strategies The f irm uses long term investing, short sales, and options trading (including covered options, uncovered options, or spreading strategies). Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Material Risks Involved Methods of Analysis Charting analysis strategy involves using and comparing various charts to predict long and short -term perf ormance or market trends. The risk involved in using this method is that only past perf ormance data is considered without using other methods to crosscheck data. Using charting analysis without other methods of analysis would be making the assumption that past perf ormance will be indicative of f uture perf ormance. This may not be the case. Cyclical analysis assumes that the markets react in cyclical patterns which, once identif ied, can be leveraged to provide perf ormance. The risks with this strategy are two -f old: 1) the markets do not always repeat cyclical patterns; and 2) if too many investors begin to imp lement this strategy, then it changes the very cycles these investors are trying to exploit. Fundamental analysis concentrates on f actors that determine a company’s value and expected f uture earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will f ail to reach expectations of perceived value. Modern portfolio theory assumes that investors are risk averse, meaning that given two portf olios that of f er the same expected return, investors will pref er the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher expected returns must accept more risk. The implication is that a rational investor will not invest in a portf olio if a second portf olio exists with a more f avorable risk-expected return prof ile. Quantitative analysis: Investment strategies using quantitative models may perf orm dif f erently than expected as a result of , among other things, the f actors used in the models, the weight placed on each f actor, changes f rom the f actors’ historical trends, and technical issues in the construction and implementation of the models. Technical analysis attempts to predict a f uture stock price or direction based on market trends. The assumption is that the market f ollows discernible patterns and if these patterns can be identif ied then a prediction can be made. The risk is that markets do not always f ollo w patterns and relying solely on this method may not take into account new patterns that emerge over time. Page 9 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Investment Strategies The f irm’s use of short sales and options trading generally holds greater risk, and clients should be aware that there is a material risk of loss using any of those strategies. Long term investing is designed to capture market rates of both return and risk. Due to its nature, the long -term investment strategy can expose clients to various types of risk that will typically surf ace at various intervals during the time the client owns the investments. These risks include but are not limited to inf lation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Options transactions involve a contract to purchase a security at a given price, not necessarily at market value, depending on the market. This strategy includes the risk that an option may expire out of the money resulting in minimal or no value, as well as the possibility of leveraged loss of trading capital due to the leveraged nature of stock options. Selection of Other Advisers: Although the f irm will seek to select only money managers who will invest clients’ assets with the highest level of integrity, the f irm’s selection process cannot ensure that money managers will perf orm as desired, and the f irm will have no control over the day-to-day operations of any of its selected money managers. The f irm would not necessarily be aware of certain activities at the underlying money manager level, including without limitation a money manager’s engaging in unreported risks, investment “sty le drif t” or even regulatory breaches or f raud. Short sales entail the possibility of inf inite loss. An increase in the applicable securities’ prices will result in a loss and, over time, the market has historically trended upward. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Risks of Specific Securities Utilized The f irm’s use of short sales and options trading generally holds greater risk of capital loss. Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below (leaving aside Treasury Inf lation Protected/Inf lation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual f unds carries the risk of capital loss and thus you may lose money investing in mutual f unds. All mutual f unds have costs that lower investment returns. The f unds can be of bond “f ixed income” nature (lower risk) or stock “equity” nature. Equity investment generally ref ers to buying shares of stocks in return f or receiving a f uture payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may f luctuate in response to specif ic situations f or each company, industry conditions and the general economic environments. Fixed income investments generally pay a return on a f ixed schedule, though the amount of the payments can vary. This type of investment can include corporate and government debt securities, leveraged loans, high -yield, and investment grade debt and structured products , such as mortgage and other asset-backed securities, although individual bonds may be the best known type of f ixed income security. In general, the f ixed income market is volatile and f ixed income securities carry interest rate risk. (As interest rates rise, bond prices usually f all, and vice versa. This ef f ect is usually more pronounced f or longer-term securities.) Fixed income securities also carry inf lation risk, liquidity risk, call risk, and credit and def ault risks f or both issuers and c ounterparties. The risk of def ault on treasury inf lation protected/inf lation linked bonds is dependent upon the U.S. Treasury def aulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Risks of investing in f oreign f ixed income securities also include the general risk of non-U.S. investing described below. Exchange Traded Funds (ETFs): An ETF is an investment f und traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in prod ucts and increasing complexity, conf licts of interest and the possibility of inadequate regulatory compliance. Risks in investing in ETFs include trading risks, liquidity and shutdown risks, risks associated with a change in authorized participants and non-participation of authorized participants, risks that trading price dif fers f rom indicative net asset value (iNAV), or price f luctuation and disassociation f rom the index being tracked. With regard to trading risks, regular trading adds cost to your portfolio thus counteracting the low f ees that are one of the typical benef its of ETFs. With regard to liquidity and shutdown risks, not all ETFs have the same level of liquidity. ETFs are subject to market volatility and the risks of their underlying securities. Precious Metal ETFs (e.g., Gold, Silver, or Palladium Bullion backed “electronic shares” not physical metal) specif ically may be negatively impacted by several unique f actors, among them (1) large sales by Page 10 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 the of f icial sector which own a signif icant portion of aggregate world holdings in gold and other precious metals, (2) a signif icant increase in hedging activities by producers of gold or other precious metals, (3) a signif icant change in the attitude of speculators and investors. Each ETF has a unique risk prof ile, detailed in its prospectus, of f ering circular, or similar material, which should be considered caref ully when making investment decisions. Real estate f unds (including REITs) f ace several kinds of risk that are inherent in the real estate sector, which historically has experienced signif icant f luctuations and cycles in perf ormance. Revenues and cash f lows may be adversely af f ected by changes in local real estate market conditions, competition, changes in interest rates, the ongoing need f or capital improvements, changes in real estate tax rates and other operating expenses, and adverse changes in governmental rules and f iscal policies. Annuities are a retirement product designed to meet long -term goals. Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. Variable annuities also involve investment risks, just as mutual f unds do. Private placements carry substantial risk as they are subject to less regulation than publicly of fered securities, the market to resell these assets under applicable securities laws may be illiquid, and the liquidation may be taken at a substantial discount to the underlying value or result in the entire loss of the value of such assets. Venture capital funds invest in start-up companies at an early stage of development. The risk is high as a result of the uncertainty involved at that stage of development. Commodities are tangible assets used to manuf acture and produce goods or services. Commodity prices are af f ected by dif f erent risk f actors, such as disease, storage capacity, supply, demand, delivery constraints and weather. Because of those risk f actors, even a well-diversif ied investment in commodities can be uncertain. Options are contracts to purchase a security at a given price, risking that an option may expire out of the money resulting in minimal or no value. An uncovered option is a type of options contract that is not backed by an offsetting position that would help mitigate risk. Option transactions also involve risks including but not limited to economic risk, market risk, sector risk, idiosyncratic risk, political/regulatory risk, inf lation (purchasing power) risk and interest rate risk. Non-U.S. securities present certain risks such as currency f luctuation, political and economic change, social unrest, changes in government regulation, dif f erences in accounting and the lesser degree of accurate public inf ormation available. Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Page 11 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 9: Disciplinary Information Registered investment advisers are required to disclose all material f acts regarding any legal or disciplinary events that would be material to your evaluation of the f irm or the integrity of the f irm’s management. Criminal or Civil Actions There are no criminal or civil actions to report. Administrative Proceedings There are no administrative proceedings to report. Self-Regulatory Organization (SRO) Proceedings There are no self -regulatory organization proceedings to report. Page 12 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 10: Other Financial Industry Activities and Affiliations Registration as a Broker/Dealer or Broker/Dealer Representative Chris McNesby is a registered representative of Private Client Services, LLC. This arrangement creates a potential conf lict of interest as Mr. McNesby may have an incentive to recommend securities transactions that generate commissions. The f irm manages this conf lict through its f iduciary duty and Code of Ethics. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Adviser Neither the f irm nor its representatives are registered as or have pending applications to become either a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Adviser or an associated person of the f oregoing entities. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interest The f irm is not aware of any registration relationships to its advisory business which presents any possible conflicts of interest. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections The f irm may direct clients to third-party investment advisers to manage all or a portion of the client’s assets. Clients will pay the f irm its standard f ee in addition to the standard f ee f or the advisers to which it directs those clients. This relationship will be memorialized in each contract between the f irm and each third -party adviser. The f ees will not exceed any limit imposed by any regulatory agency. The f irm will always act in the best interests of the client, including when determining which third-party investment adviser to recommend to clients. The f irm will ensure that all recommended advisers are licensed, or notice f iled in the states in which the f irm is recommending them to clients. Page 13 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics The f irm has a written Code of Ethics that covers the f ollowing areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conf licts of Interest, Gifts and Entertainment, Conf identiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certif ication of Compliance, Reporting Violations, Compliance Of f icer Duties, Training and Education, Recordkeeping, Annual Rev iew, and Sanctions. The f irm’s Code of Ethics is available f ree upon request to any client or prospective client. Recommendations Involving Material Financial Interests The f irm does not recommend that clients buy or sell any security in which a related person to the f irm or the f irm has a material f inancial interest. Investing Personal Money in the Same Securities as Clients From time to time, representatives of the f irm may buy or sell securities f or themselves that they also recommend to clients. This may provide an opportunity f or representatives of the f irm to buy or sell the same securities bef ore or af ter recommending the same securities to clients resulting in representatives prof iting off the recommendations they provide to clients. Such transactions may create a conf lict of interest. The f irm will always document any transactions that could be construed as conf licts of interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold. Trading Securities At/Around the Same Time as Clients’ Securities From time to time, representatives of the f irm may buy or sell securities f or themselves at or around the same time as clients. This may provide an opportunity f or representatives of the f irm to buy or sell securities bef ore or af ter recommending securities to clients resulting in representatives prof iting of f the recommendations they provide to clients. Such transactions may create a conf lict of interest; however, the f irm will never engage in trading that operates to the client’s disadvantage if representatives of the f irm buy or sell securities at or around the same time as clients. Page 14 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 12: Brokerage Practices Factors Used to Select Custodians and/or Broker/Dealers Custodians/broker-dealers will be recommended based on the f irm’s duty to seek “best execution,” which is the obligation to seek execution of securities transactions f or a client on the most f avorable terms f or the client under the circumstances. Clients will not necessarily pay the lowest commission or commission equivalent, and the f irm may also consider the market expertise and research access provided by the broker-dealer/custodian, including but not limited to access to written research, oral communication with analysts, admittance to research conf erences and other resources provided by the brokers that may aid in the f irm’s research ef f orts. The f irm uses Trade-PMR Inc. and/or Charles Schwab as custodian f or client accounts. Research and Other Soft-Dollar Benefits The f irm receives no research, product, or services other than execution f rom broker-dealers or custodians in connection with client securities transactions (“sof t dollar benef its”). Brokerage for Client Referrals The f irm receives no ref errals f rom a broker-dealer or third-party in exchange f or using that broker-dealer or third- party. Clients Directing Which Broker/Dealer/Custodian to Use The f irm will require clients to use a specif ic broker-dealer to execute transactions. Aggregating (Block) Trading for Multiple Client Accounts If the f irm buys or sells the same securities on behalf of more than one client, then it may (but would be under no obligation to) aggregate or bunch such securities in a single transaction f or multiple clients in order to seek more f avorable prices, lower brokerage commissions, or more ef f icient execution. In such a case, the f irm would place an aggregate order with the broker on behalf of all such clients in order to ensure f airness f or all clients; provided, however, that trades would be reviewed periodically to ensure that accounts are not systematically disadvantaged by this policy. Page 15 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 13: Review of Accounts Frequency and Nature of Periodic Reviews and Who Makes Those Reviews All client accounts f or the f irm’s advisory services provided on an ongoing basis are reviewed at least quarterly by Ann Lovett, Chief Compliance Of f icer, with regard to clients’ respective investment policies and risk tolerance levels. All accounts at the f irm are assigned to this reviewer. Factors That Will Trigger a Non-Periodic Review of Client Accounts Reviews may be triggered by material market, economic or political events, or by changes in client’s f inancial situations (such as retirement, termination of employment, physical move, or inheritance). Content and Frequency of Regular Reports Provided to Clients Each client of the f irm’s advisory services provided on an ongoing basis will receive a monthly report detailing the client’s account, including assets held, asset value, and calculation of f ees. This written report will come f rom the custodian. Page 16 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 14: Client Referrals and Other Compensation Economic Benefits Provided by Third-Parties for Advice Rendered to Clients The f irm does not receive any economic benef it, directly or indirectly f rom any third -party f or advice rendered to the f irm’s clients. Compensation to Non-Advisory Personnel for Client Referrals Solicitor relationships will be f ully disclosed to each client to the extent required by applicable law. The f irm will ensure each solicitor is exempt, notice f iled, or properly registered in all appropriate jurisdictions. All such ref erral activities will be conducted in accordance with Rule 206(4)-1 under the Advisers Act, where applicable. Page 17 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 15: Custody When it deducts f ees directly f rom client accounts at a selected custodian, the f irm will be deemed to have limited custody of client’s assets and must have written authorization f rom the client to do so. Clients will receive all account statements that are required, and they should caref ully review those statements f or accuracy. Page 18 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 16: Investment Discretion The f irm provides discretionary and non-discretionary investment advisory services to clients. The advisory contract established with each client sets f orth the discretionary authority f or trading. Where investment discretion has been granted, the f irm generally manages the client’s account and makes investment decisions without consultation with the client as to when the securities are to be bought or sold f or the account, the total amount of the securities to be bought/sold, what securities to buy or sell, or the price per share. In some instances, the f irm’s discretionary authority in making these determinations may be limited by conditions imposed by a client in investment guidelines or objectives, or client instructions otherwise provided to the f irm. Page 19 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 17: Voting Client Securities (Proxy Voting) The f irm acknowledges its f iduciary obligation to vote proxies on behalf of those clients that have delegated to it, or f or which it is deemed to have, proxy voting authority. The f irm has hired Broadridge to vote proxies on behalf of a client solely in the best interest of the relevant client. The f irm has established general guidelines f or voting proxies. The f irm may also abstain f rom voting if , based on f actors such as expense or dif f iculty of exercise, it determines that a client’s interests are better served by abstaining. Further, because proxy proposals and individual company f acts and circumstances may vary, the f irm may vote in a manner that is contrary to the general guidelines if it believes that it would be in a client’s best interest to do so. If a proxy proposal presents a conf lict of interest between the f irm and a client, then the f irm will disclose the conf lict of interest to the client prior to the proxy vote and, if participating in the vote, will vote in accordance with the client’s wishes. Clients may obtain a complete copy of the proxy voting policies and procedures by contacting the f irm in writing and requesting such inf ormation. Each client may also request, by contacting the f irm in writing, inf ormation concerning the manner in which proxy votes have been cast with respect to portf olio securities held by the relevant client during the prior annual period. Clients can send written requests to the Chief Compliance Of f icer at ann@jwnova.com. Page 20 of 21  PW Nova Financial Services, LLC | Form ADV Part 2A March 11, 2026 Item 18: Financial Information Balance Sheet The f irm neither requires nor solicits prepayment of more than $1,200 in f ees per client, six months or more in advance, and theref ore is not required to include a balance sheet with this brochure. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither the f irm nor its management has any f inancial condition that is likely to reasonably impair the f irm’s ability to meet contractual commitments to clients. Bankruptcy Petitions in Previous Ten Years The f irm has not been the subject of a bankruptcy petition in the last ten years. — End of Form ADV Part 2A — Page 21 of 21 

PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 PW Nova Financial Services, LLC dba JW Nova Wealth Partners | dba PWA Financial Wrap Fee Program Brochure March 11, 2026 201 South State St., Suite 1A Newtown, PA 18940 (267) 753-7065 inf o@jwnova.com CRD Number: 333595 This wrap fee program brochure provides information about the qualifications and business practices of PW Nova Financial Services, LLC dba JW Nova Wealth Partners and dba PWA Financial. If you have any questions about the contents of this brochure, please contact us at (267) 753-7065 or by email at info@jwnova.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. Registration as an investment adviser does not imply a certain level of skill or traini ng. Additional information about the firm is also available on the SEC’s website at www.adviserinfo.sec.gov. Page 1 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 2: Material Changes The material changes in this brochure f rom the last annual updating amendment on February 5, 2025, are described below. Material changes relate to the f irm’s policies, practices, or conf licts of interest. Ownership Clarification: PW Nova Financial Services, LLC is a 50/50 partnership owned by CMC Wealth Partners, Inc. and Sebvivi Enterprises, Inc. Branding: The f irm explicitly identif ies its two advisory practices: JW Nova Wealth Partners and PWA Financial. Assets Under Management: The f irm has updated its Assets Under Management as of December 2025. (Item 6.C) Fee Update: The maximum annual advisory f ee f or the wrap program has been updated to 2.00%. Page 2 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 3: Table of Contents Item 2: Material Changes ........................................................................................................ 2 Item 3: Table of Contents ........................................................................................................ 3 Item 4: Advisory Business ....................................................................................................... 4 Item 5: Types of Clients........................................................................................................... 5 Item 6: Portfolio Manager Selection and Evaluation................................................................... 6 Item 7: Client Inf ormation Provided to Portf olio Managers ........................................................ 11 Item 8: Client Contact with Portfolio Managers ........................................................................ 12 Item 9: Additional Inf ormation ................................................................................................ 13 Item 10: Requirements For State Registered Advisers ............................................................ 15 Page 3 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 4: Advisory Business A. Description of the Advisory Firm PW Nova Financial Services LLC dba JW Nova Wealth Partners and dba PWA Financial (hereinaf ter “the f irm”) is a Limited Liability Company organized in the State of Delaware. The f irm was f ormed in September 2024, and the principal owners are CMC Wealth Partners, Inc. and Sebvivi Enterprises, Inc. The f irm provides wealth management to clients under this wrap f ee program as sponsor and portf olio manager. The f irm charges clients a percentage of assets under management or advisement per client account which shall not exceed 2.00% annually. The advisory f ee is calculated using the value of the assets in the account on the last business day of the prior billing period. These f ees are generally negotiable, and the f inal f ee schedule will be memorialized in the client’s advisory agreement. Wealth management f ees are withdrawn directly f rom the client’s accounts with the client’s written authorization on a monthly or quarterly basis. Fees are paid in advance. Ref unds f or any f ees paid in advance but not yet earned will be ref unded on a prorated basis and returned within f ourteen days to the client via check or return deposit back into the client’s account. For all asset-based f ees paid in advance, the ref unded f ee will be equal to the balance of the f ees collected in advance minus the daily rate multiplied by the number of days elapsed in the billing period up to and including the day of termination. (The daily rate is calculated by dividing the annual asset -based f ee rate by 365.) Clients may terminate the agreement without penalty, f or a f ull ref und of the f irm’s f ees, within f ive business days of signing the Investment Advisory Contract. Thereaf ter, clients may terminate the Investment Advisory Contract generally with 5 days’ written notice. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There are several f actors that bear upon the relative cost of the program, including the trading activity in the client’s account, the adviser’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specif ic services of f ered by dif f erent providers). C. Additional Fees The f irm will wrap third-party f ees (i.e., custodian f ees, brokerage f ees, mutual f und f ees, transaction f ees, etc.) for wrap f ee wealth management accounts. The f irm will charge clients one f ee, and pay all transaction f ees using the f ee collected f rom the client. Accounts participating in the wrap f ee program are not charged higher advisory f ees based on trading activity, but clients should be aware that the f irm has an incentive to limit trading activities f or those accounts since the f irm absorbs those transaction costs. Certain other f ees are not included in the wrap f ee and are paid f or separately by the client. These include, but are not limited to: margin costs; charges imposed directly by a mutual f und or exchange traded f und; f ees associated with “step out” transactions if the account uses dif f erent custodians or broker-dealers; def erred sales charges; odd- lot dif f erentials; transf er taxes; wire transf er and electronic f und f ees; and other f ees and taxes on brokerage accounts and securities transactions. Third -party money manager f ees may or may not be included in the wrap f ee, as disclosed in the Wealth Management Agreement. D. Compensation of Client Participation Neither the f irm, nor any representatives of the f irm, receive any additional compensation beyond advisory f ees for the participation of clients in the wrap f ee program. However, compensation received may be more than what would have been received if the client paid separately f or investment advice, brokerage, and other services. Theref ore, the f irm may have a f inancial incentive to recommend the wrap f ee program to clients. Page 4 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 5: Types of Clients The f irm generally of f ers advisory services to the f ollowing types of clients: ❖ Individuals ❖ High-Net-Worth Individuals ❖ Pension and Prof it Sharing Plans ❖ Charitable Organizations ❖ Corporations or Business Entities ❖ Trusts ❖ State or Municipal Government Entities There is no account minimum f or any of the f irm’s services. Page 5 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 6: Portfolio Manager Selection and Evaluation Selecting/Reviewing Portfolio Managers The f irm may select outside portf olio managers f or management of certain accounts within this wrap f ee program. Primarily, the f irm will be the sole portf olio manager f or this wrap f ee program. The f irm will use industry standards to calculate portf olio manager perf ormance. Perf ormance inf ormation is reviewed quarterly to determine and verify its accuracy and compliance with presentation standards. Related Persons The f irm and its personnel serve as the portf olio managers f or all wrap f ee program accounts. This is a conf lict of interest in that no outside adviser assesses the f irm’s management of the wrap f ee program. However, the f irm addresses this conf lict by acting in its clients’ best interests consistent with its f iduciary duty as sponsor and portf olio manager of the wrap f ee program. Advisory Business The f irm of f ers ongoing wrap f ee wealth management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. The f irm creates an Investment Policy Statement f or each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Wealth management services include, but are not limited to, the f ollowing: • Determine investment strategy • Personal investment policy • Asset allocation • Asset selection • Assessment of risk tolerance • Regular portf olio monitoring • Financial planning The f irm evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. The f irm will request discretionary authority f rom clients in order to select securities and execute transactions without permission f rom the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Wealth management accounts participating in the wrap f ee program will not have to pay f or transaction or trading f ees. The f irm will charge clients one f ee and pay transaction f ees using the advisory f ee collected f rom the client. Accounts participating in the wrap f ee program are not charged higher advisory f ees based on trading activity, but clients should be aware that the f irm has an incentive to limit trading activities f or those accounts since the f irm absorbs those transaction costs. To address this conf lict, the f irm will always act in the best interest of its clients consistent with its f iduciary duty as an investment adviser. Services Limited to Specific Types of Investments The f irm generally limits its investment advice to mutual f unds, f ixed income securities, real estate f unds (including REITs), venture capital f unds, private placements, insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inf lation protected/inf lation linked bonds, and non-U.S. securities. The f irm may use other securities as well to help diversif y a portf olio when applicable. Written Acknowledgement of Fiduciary Status When the f irm provides investment advice to you regarding your retirement plan account or individual retirement account, the f irm is a f iduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The f irm also has a f iduciary duty under the Investment Advisers Act of 1940 with respect to all client accounts. The way the f irm makes money creates some conf licts with your interests, so the f irm operates under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, the f irm must: Page 6 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 • Meet a prof essional standard of care when making investment recommendations (give prudent advice); • Never put our f inancial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conf licts of interest, f ees, and investments; • Follow policies and procedures designed to ensure that the f irm gives advice that is in your best interest; • Charge no more than is reasonable f or our services; and • Give you basic inf ormation about conf licts of interest. Client Tailored Services and Client Imposed Restrictions The f irm will tailor a program f or each individual client. This will include an interview session to get to know the client’s specif ic needs and requirements as well as a plan that will be executed by the f irm on behalf of the client. The f irm may use model allocations together with a specif ic set of recommendations f or each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or belief s. However, if the restrictions prevent the f irm f rom properly servicing the client account, or if the restrictions would require the f irm to deviate f rom its standard suite of services, the f irm reserves the right to end the relationship. Wrap Fee Programs As discussed herein, the f irm sponsors and acts as portf olio manager f or this wrap f ee program. The f irm manages the investments in the wrap f ee program, but does not manage those wrap f ee accounts any dif f erently than it would manage non-wrap f ee accounts. The f ees paid to the wrap account program will be given to the f irm as a management f ee. Amounts Under Management The f irm has the f ollowing assets under management: Discretionary Amounts: Non-Discretionary Amounts: Date Calculated: $650,103,582 $4,225,000 December 2025 Performance-Based Fees and Side-By-Side Management The f irm does not accept perf ormance-based f ees or other f ees based on a share of capital gains on or capital appreciation of the assets of a client. Clients should be aware that investment advisers have an incentive to invest in riskier investments when paid a perf ormance-based f ee due to the higher risk/higher reward attributes. Methods of Analysis and Investment Strategies Methods of Analysis The f irm’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern portf olio theory, Quantitative analysis, and Technical analysis. Charting analysis involves the use of patterns in perf ormance charts. The f irm uses this technique to search for patterns used to help predict f avorable conditions f or buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to f ind f avorable conditions f or buying and/or selling a security. Fundamental analysis involves the analysis of f inancial statements, the general f inancial health of companies, and/or the analysis of management or competitive advantages. Modern portfolio theory is a theory of investment that attempts to maximize portf olio expected return f or a given amount of portf olio risk, or equivalently minimize risk f or a given level of expected return, each by caref ully choosing the proportions of various assets. Quantitative analysis deals with measurable f actors as distinguished f rom qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Page 7 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Technical analysis involves the analysis of past market data; primarily price and volume. Investment Strategies The f irm uses long term investing, short sales, and options trading (including covered options, uncovered options, or spreading strategies). Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Material Risks Involved Methods of Analysis Charting analysis strategy involves using and comparing various charts to predict long and short -term perf ormance or market trends. The risk involved in using this method is that only past perf ormance data is considered without using other methods to crosscheck data. Using charting analysis without other methods of analysis would be making the assumption that past perf ormance will be indicative of f uture perf ormance. This may not be the case. Cyclical analysis assumes that the markets react in cyclical patterns which, once identif ied, can be leveraged to provide perf ormance. The risks with this strategy are two -f old: 1) the markets do not always repeat cyclical patterns; and 2) if too many investors begin to imp lement this strategy, then it changes the very cycles these investors are trying to exploit. Fundamental analysis concentrates on f actors that determine a company’s value and expected f uture earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will f ail to reach expectations of perceived value. Modern portfolio theory assumes that investors are risk averse, meaning that given two portf olios that of f er the same expected return, investors will pref er the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher expected returns must accept more risk. The implication is that a rational investor will not invest in a portf olio if a second portf olio exists with a more f avorable risk-expected return prof ile. Quantitative analysis: Investment strategies using quantitative models may perf orm dif f erently than expected as a result of , among other things, the f actors used in the models, the weight placed on each f actor, changes f rom the f actors’ historical trends, and technical issues in the construction and implementation of the models. Technical analysis attempts to predict a f uture stock price or direction based on market trends. The assumption is that the market f ollows discernible patterns and if these patterns can be identif ied then a prediction can be made. The risk is that markets do not always f ollo w patterns and relying solely on this method may not take into account new patterns that emerge over time. Investment Strategies The f irm’s use of short sales and options trading generally holds greater risk, and clients should be aware that there is a material risk of loss using any of those strategies. Long term investing is designed to capture market rates of both return and risk. Due to its nature, the long -term investment strategy can expose clients to various types of risk that will typically surf ace at various intervals during the time the client owns the investments. These risks include but are not limited to inf lation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Options transactions involve a contract to purchase a security at a given price, not necessarily at market value, depending on the market. This strategy includes the risk that an option may expire out of the money resulting in minimal or no value, as well as the possibility of leveraged loss of trading capital due to the leveraged nature of stock options. Selection of Other Advisers: Although the f irm will seek to select only money managers who will invest clients’ assets with the highest level of integrity, the f irm’s selection process cannot ensure that money managers will perf orm as desired, and the f irm will have no control over the day-to-day operations of any of its selected money managers. The f irm would not necessarily be aware of certain activities at the underlying money manager level, including without limitation a money manager’s engaging in unreported risks, investment “style drif t” or even regulatory breaches or f raud. Short sales entail the possibility of inf inite loss. An increase in the applicable securities’ prices will result in a loss and, over time, the market has historically trended upward. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Page 8 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Risks of Specific Securities Utilized The f irm’s use of short sales and options trading generally holds greater risk of capital loss. Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below (leaving aside Treasury Inf lation Protected/Inf lation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual f unds carries the risk of capital loss and thus you may lose money investing in mutual f unds. All mutual f unds have costs that lower investment returns. The f unds can be of bond “f ixed income” nature (lower risk) or stock “equity” nature. Equity investment generally ref ers to buying shares of stocks in return f or receiving a f uture payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may f luctuate in response to specif ic situations f or each company, industry conditions and the general economic environments. Fixed income investments generally pay a return on a f ixed schedule, though the amount of the payments can vary. In general, the f ixed income market is volatile and f ixed income securities carry interest rate risk. (As interest rates rise, bond prices usually f all, and vice versa.) Fixed income securities also carry inf lation risk, liquidity risk, call risk, and credit and def ault risks f or both issuers and counterparties. The risk of def ault on treasury inf lation protected/inf lation linked bonds is dependent upon the U.S. Treasury def aulting (extremely unlikely); however, they carry a potential risk of losing share price value. Risks of investing in f oreign f ixed income securities also include the general risk of non-U.S. investing described below. Exchange Traded Funds (ETFs): An ETF is an investment f und traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in prod ucts and increasing complexity, conf licts of interest and the possibility of inadequate regulatory compliance. Risks include trading risks, liquidity and shutdown risks, risks associated with a change in authorized participant s, risks that trading price dif f ers f rom indicative net asset value (iNAV), and price f luctuation and disassociation f rom the index being tracked. Precious Metal ETFs may be negatively impacted by large sales by the of f icial sector, a signif icant increase in hedging activities by producers, or a signif icant change in the attitude of speculators and investors. Each ETF has a unique risk prof ile, detailed in its prospectus, of fering circular, or similar material, which should be considered caref ully when maki ng investment decisions. Real estate f unds (including REITs) f ace several kinds of risk inherent in the real estate sector, which historically has experienced signif icant f luctuations and cycles in perf ormance. Revenues and cash f lows may be adversely af f ected by changes in local real estate market conditions, competition, changes in interest rates, the ongoing need f or capital improvements, changes in real estate tax rates and other operating expenses, and adverse changes in governmental rules, f iscal policies, or zoning laws. Annuities are a retirement product designed to meet long -term goals. Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. Variable annuities also involve investment risks, just as mutual f unds do. Private placements carry substantial risk as they are subject to less regulation than publicly of fered securities, the market to resell these assets may be illiquid due to restrictions, and liquidation may be taken at a substantial discount to the underlying value or result in the entire loss of the value of such assets. Venture capital funds invest in start-up companies at an early stage of development. The risk is high as a result of the uncertainty involved at that stage of development. Commodities are tangible assets used to manuf acture and produce goods or services. Commodity prices are af f ected by dif f erent risk f actors, such as disease, storage capacity, supply, demand, delivery constraints and weather. Even a well-diversif ied investment in commo dities can be uncertain. Options are contracts to purchase a security at a given price, risking that an option may expire out of the money resulting in minimal or no value. An uncovered option is not backed by an of fsetting position that would help mitigate risk. The potential loss f or an uncovered call option is limitless. Option transactions also involve risks including but not limited to economic risk, market risk, sector risk, idiosyncratic risk, political/regulatory risk, inf lation (purchasing power) risk, and interest rate risk. Non-U.S. securities present certain risks such as currency f luctuation, political and economic change, social unrest, changes in government regulation, dif ferences in accounting, and the lesser degree of accurate public inf ormation available. Page 9 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Voting Client Securities (Proxy Voting) The f irm acknowledges its f iduciary obligation to vote proxies on behalf of those clients that have delegated to it, or f or which it is deemed to have, proxy voting authority. The f irm has hired Broadridge to vote proxies on behalf of a client solely in the best interest of the relevant client. The f irm has established general guidelines f or voting proxies. The f irm may also abstain f rom voting if , based on f actors such as expense or dif f iculty of exercise, it determines that a client’s interests are better served by abstaining. Further, because proxy proposals and individual company f acts and circumstances may vary, the f irm may vote in a manner that is contrary to the general guidelines if it believes that it would be in a client’s best interest to do so. If a proxy proposal presents a conf lict of interest between the f irm and a client, then the f irm will disclose the conf lict of interest to the client prior to the proxy vote and, if participating in the vote, will vote in accordance with the client’s wishes. Clients may obtain a complete copy of the proxy voting policies and procedures by contacting the f irm in writing and requesting such inf ormation. Each client may also request inf ormation concerning the manner in which proxy votes have been cast with respect to portf olio securities held by the relevant client during the prior annual period. Clients can send written requests to the Chief Compliance Of f icer at ann@jwnova.com. Page 10 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 7: Client Information Provided to Portfolio Managers All client inf ormation material to managing the portf olio (including basic inf ormation, risk tolerance, sophistication level, and income level) is provided to the portf olio manager. The portf olio manager will also have access to that inf ormation as it changes and is updated. Clients are encouraged to promptly notif y the f irm of any material changes in their f inancial circumstances, investment objectives, or risk tolerance so that the f irm may update its management of the account accordingly. Page 11 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 8: Client Contact with Portfolio Managers The f irm does not restrict clients f rom contacting portf olio managers. The f irm’s representatives can be contacted during regular business hours. Clients who have specif ic concerns about their account management or portf olio perf ormance are encouraged to contact their representative directly or reach the f irm at: Phone: (267) 753-7065 Email: inf o@jwnova.com Page 12 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 9: Additional Information Disciplinary Action and Other Financial Industry Activities Criminal or Civil Actions There are no criminal or civil actions to report. Administrative Proceedings There are no administrative proceedings to report. Self-Regulatory Organization (SRO) Proceedings There are no self -regulatory organization proceedings to report. Registration as a Broker/Dealer or Broker/Dealer Representative Chris McNesby is a registered representative of Private Client Services, LLC. This arrangement creates a potential conf lict of interest as Mr. McNesby may have an incentive to recommend securities transactions that generate commissions. The f irm manages this conf lict through its f iduciary duty and Code of Ethics. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Adviser Neither the f irm nor its representatives are registered as or have pending applications to become either a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Adviser, or an associated person of the f oregoing entities. Code of Ethics, Client Referrals, and Financial Information Code of Ethics The f irm has a written Code of Ethics that covers the f ollowing areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conf licts of Interest, Gifts and Entertainment, Conf identiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certif ication of Compliance, Reporting Violations, Compliance Of f icer Duties, Training and Education, Recordkeeping, Annual Rev iew, and Sanctions. The f irm’s Code of Ethics is available f ree upon request to any client or prospective client. Recommendations Involving Material Financial Interests The f irm does not recommend that clients buy or sell any security in which a related person to the f irm or the f irm has a material f inancial interest. Investing Personal Money in the Same Securities as Clients From time to time, representatives of the f irm may buy or sell securities f or themselves that they also recommend to clients. This may provide an opportunity f or representatives of the f irm to buy or sell the same securities bef ore or af ter recommending the same securities to clients, resulting in representatives prof iting off the recommendations they provide to clients. Such transactions may create a conf lict of interest. The f irm will always document any transactions that could be construed as conf licts o f interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold. Trading Securities At/Around the Same Time as Clients’ Securities From time to time, representatives of the f irm may buy or sell securities f or themselves at or around the same time as clients. This may provide an opportunity f or representatives of the f irm to buy or sell securities bef ore or af ter recommending securities to clients, resulting in representatives prof iting of f the recommendations they provide to clients. Such transactions may create a conf lict of interest; however, the f irm will never engage in trading that operates to the client’s disadvantage if representatives of the f irm buy or sell securities at or around the same time as clients. Frequency and Nature of Periodic Reviews Accounts are reviewed at least quarterly by Ann Lovett, Chief Compliance Of f icer, with regard to clients’ respective investment policies and risk tolerance levels. Reviews may be triggered by material market, economic or political Page 13 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 events, or by changes in client’s f inancial situations (such as retirement, termination of employment, physical move, or inheritance). Content and Frequency of Regular Reports Provided to Clients Each client will receive a monthly account statement directly f rom the custodian. Clients are encouraged to review these statements caref ully and promptly notif y the f irm of any discrepancies. Economic Benefits Provided by Third Parties for Advice Rendered to Clients The f irm does not receive any economic benef it, directly or indirectly, f rom any third -party f or advice rendered to the f irm’s clients. Compensation to Non-Advisory Personnel for Client Referrals Solicitor relationships will be f ully disclosed to each client to the extent required by applicable law. The f irm will ensure each solicitor is exempt, notice f iled, or properly registered in all appropriate jurisdictions. All such ref erral activities will be conducted in accordance with Rule 206(4)-1 under the Advisers Act, where applicable. Balance Sheet The f irm neither requires nor solicits prepayment of more than $1,200 in f ees six months or more in advance, and theref ore is not required to include a balance sheet with this brochure. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither the f irm nor its management has any f inancial condition that is likely to reasonably impair the f irm’s ability to meet contractual commitments to clients. Bankruptcy Petitions in Previous Ten Years The f irm has not been the subject of a bankruptcy petition in the last ten years. Page 14 of 15  PW Nova Financial Services, LLC | Wrap Fee Program Brochure March 11, 2026 Item 10: Requirements For State Registered Advisers Please see the “Recommendations Involving Material Financial Interests” and “Registration Relationships Material to this Advisory Business and Possible Conf licts of Interests” sections in Item 9 above. The f irm has not been the subject of a bankruptcy petition at any time. There is no f inancial condition that is reasonably likely to impair the f irm’s ability to meet its contractual commitments to clients. — End of Wrap Fee Program Brochure — Page 15 of 15