Wallender, Timothy Joseph

FIRM DISCLOSURE BROCHURE ITEM 1 COVER PAGE THIS BROCHURE PROVIDES INFORMATION ABOUT THE QUALIFICATIONS AND BUSINESS PRACTICES OF TIMOTHY JOSEPH WALLENDER. IF YOU HAVE ANY QUESTIONS ABOUT THE CONTENTS OF THIS BROCHURE , PLEASE CONTACT US AT (310) 318-3255. THE INFORMATION IN THIS BROCHURE HAS NOT BEEN APPROVED OR VERIFIED BY THE UNITES STATES SECURITIES AND EXCHANGE COMMISSION OR BY ANY STATE SECURITIES AUTHORITY. ADDITIONAL INFORMATION ABOUT TIMOTHY JOSEPH WALLENDER ALSO IS AVAILABLE ON THE SEC’s WEBSITE AT www.adviserinfo.sec.gov THE TERM “REGISTERED INVESTMENT ADVISER” IN AND OF ITSELF WHEN USED THROUGHOUT THIS BROCHURE DOES NOT IMPLY A CERTAIN LEVEL OF SKILL OR TRAINING. Name of Investment Adviser: TIMOTHY JOSEPH WALLENDER Business Address: 1129 Highland Ave #203 Manhattan Beach, CA 90266 (310) 318-3255 Telephone Number: Email Address: tim@strategicindex.com Brochure Date: April 2026  ITEM 2 MATERIAL CHANGES Timothy Joseph Wallender has the following material changes to the contents of this disclosure brochure since the last required annual amendment update as filed through the IARD system in March 2026. • Item 12 – We disclosed that our firm requires clients to use our recommended custodian, Charles Schwab. • Item 12 - Timothy Joseph Wallender does not utilize block trading when executing client trades. 2  ITEM3 Table of Contents ADVISORY BUSINESS DESCRIPTION (ITEM 4) _ Page 4 FEES AND COMPENSATION (ITEM 5) _Page 4 PERFORMANCE BASED FEES AND SIDE – BY – SIDE MANAGEMENT (ITEM 6) _Page 5 TYPES OF CLIENTS (ITEM 7) _Page 5 METHODS OF ANAYLSIS, INVESTMENT STRATEGIES AND RISK OF LOSS (ITEM 8) _Page 6 DISCIPLINARY INFORMATION (ITEM 9) _ _Page 7 OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS (ITEM 10) _Page 7 CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING (ITEM 11)_ _ Page 7 BROKERAGE PRACTICES (ITEM 12) _Page 7 REVIEW OF ACCOUNTS (ITEM 13) _Pg. 10 CLIENT REFERRALS AND OTHER COMPENSATION (ITEM 14) __ _Pg. 10 CUSTODY (ITEM 15) _ _Pg. 10 INVESTMENT DISCRETION (ITEM 16) _Page 11 VOTING CLIENT SECURITIES (ITEM 17) _Page 11 FINANCIAL INFORMATION (ITEM 18) _Pg. 11 ADV PART 2B _ _Page12 3  ITEM 4 Advisory Business Description TIMOTHY JOSEPH WALLENDER is an Independent Registered Investment Adviser and is the principal owner and officer of the firm described in this brochure. TIMOTHY JOSEPH WALLENDER has been registered as an investment adviser with the Department of Financial Protection and Innovation since 1995 under the CRD File #138301. Investment advisory services are provided to clients primarily using no-load mutual funds utilizing Schwab’s investment adviser division. Occasionally, at the request of the client, advice is given on individual stocks, bonds, exchange traded funds (ETF’s), variable annuities, and other exchange-listed securities. Advice is also offered on life insurance, income tax matters, and retirement planning. The basic objective of the investment advisory service is to 1) preserve capital or 2) obtain capital growth and/or income primarily through the use of no-load mutual funds. Each portfolio is developed based on the client’s risk tolerance using the methods described on Page 6 under “Methods of Analysis, Investment Strategies and Risk of Loss.” The clients agree and understand that the risks of the investment program are borne solely by the clients. A minimum account value of $1,000 for IRA accounts, and $2,500 for non-IRA accounts is normally required by mutual funds. This amount may vary depending on the broker-dealer used as the custodian for the funds. TIMOTHY JOSEPH WALLENDER also provides financial planning services to clients and prepares financial plans. A free retirement plan is normally provided to potential clients. Existing clients are offered a free update once per year and these services are included in the advisory fee charged in Item 5 of this brochure. As of March 12, 2026, the firm has $137,315,774 in discretionary assets under management and $0 in non-discretionary assets under management. ITEM 5 Fees and Compensation Investment advisory services are offered for a fee determined by a percentage of assets under management. The fee for the investment advisory service is an annual advisory fee equal to .75% or less of the market value of assets in the clients’ accounts. No minimum fee is assessed. Prorated quarterly fees are due and payable to TIMOTHY JOSEPH WALLENDER upon execution of the Advisor Authorization Agreement. Subsequent quarterly fees are computed based on the chart below and deducted quarterly from the clients’ accounts. Clients enter into a written agreement with the custodian (e.g. Schwab) authorizing Timothy Joseph Wallender to deduct fees from clients’ accounts on a quarterly calendar basis according to the following fee schedule effective per Advisor Agreement. 4  ASSETS PER ANNUM PER QUARTER $3K to $249,999 Next $250K to $499,999 Next $500K to $2M Over $2M 0.75% 0.50% 0.25% 0.10% 0.1875% 0.125% 0.0625% 0.025% TIMOTHY JOSEPH WALLENDER also provides financial planning services to clients and prepares financial plans. A free retirement plan is normally provided to potential clients. Existing clients are offered a free update once per year. Fees are collected in advance by TIMOTHY JOSEPH WALLENDER based on the account value as of the last day of the previous quarter. Clients have an unconditional right of rescission of five (5) business days from receipt of fees. The services may be terminated by either party upon thirty (30) days prior written notice. The fees for the quarter in which termination of this service occurs are prorated from the date of termination receipt in writing and refunded to the client. Because implementation of the investment advisory service involves mutual funds, clients are advised that additional management fees are incurred through the use of such mutual funds. Additionally, commissions, transaction fees, and/or account maintenance fees may be collected by the broker as a result of trading depending on the type of transaction taking place. The client will be made aware of all fees incurred as a result of such transactions. Comparable services may be available elsewhere for more or less. The primary type of investment vehicle used is no-load mutual funds. This results in no load, commission, or benefit received by TIMOTHY JOSEPH WALLENDER. Annuities are also converted to mutual fund products where possible to reduce costs resulting in no load or commission to TIMOTHY JOSEPH WALLENDER. Although transaction costs will vary depending on the firm being used to implement the advisory recommendations, there is no financial benefit to TIMOTHY JOSEPH WALLENDER. Where possible, Schwab will be used as the broker due to their discount fee structure. ITEM 6 Performance-Based Fees TIMOTHY JOSEPH WALLENDER does not accept performance-based fees. All fees are charged in accordance with the fee schedule listed on item 5 of this brochure. ITEM 7 Types of Clients TIMOTHY JOSEPH WALLENDER primarily provides investment advice to individuals. On occasion, investment advice is provided to pension and profit sharing plans, trusts, estates, charitable organizations, corporations and other business entities other than those listed above. 5  In order to more effectively utilize the Investment Strategy described in “ITEM 8” below, accounts with values of $30,000 and more are desired, but not required. ITEM8 Methods of Analysis, Investment Strategies And Risk of Loss TIMOTHY JOSEPH WALLENDER utilizes Modern Portfolio Theory to construct efficient portfolios tailored to each client’s individual risk tolerance and time horizon. Modern Portfolio Theory involves using a mix of securities that have low correlations with each other in an attempt to reduce overall portfolio volatility and maximize return. This investment strategy is designed for a longer-term buy-and- hold strategy (securities held at least one year or longer). The general objective of this service is to 1) preserve capital or 2) obtain capital growth without regard as to of income taxation on growth and income. TIMOTHY JOSEPH WALLENDER is duly authorized by the clients to continuously monitor and evaluate the investment and reinvestment of each client’s account. Separate portfolios are developed based on varying risk tolerances, with the primary objective being to maximize the client’s rate of return on a risk adjusted basis. Clients are matched to the risk tolerance of the desired portfolio and, where requested, can be customized to the client’s needs. TIMOTHY JOSEPH WALLENDER may, at its discretion, develop alternate portfolios and fee schedules in response to specific client’s needs. The methods used to analyze securities include both fundamental and technical analysis. Fundamental analysis involves using financial newspapers, magazines, research prepared by third party vendors such as Morningstar, corporate rating services, prospectuses, company annual reports, company press releases, and a variety of mathematical valuation models. The risk inherent with fundamental analysis is that these sources cannot guarantee an increase in portfolio value. Even after careful research, the portfolio may lose value and be subject to a variety of risks including, but not limited to, market risk, interest rate risk, financial risk, and business risk. Technical analysis involves using historical chart data in an attempt to purchase a security at an opportunistic time. The risk inherent with technical analysis is that the method may fail all together with the security being purchased at the least opportunistic time resulting in a loss of portfolio value. All investments involve risk, including total loss of principal. All allocation models have limits, and past performance cannot guarantee future results. 6  ITEM 9 Disciplinary Information TIMOTHY JOSEPH WALLENDER has not been subjected to any disciplinary action. This includes no judgment or investigation concerning any criminal, civil, administrative, or self-regulatory action. ITEM 10 Other Financial Industry Activities and Affiliations TIMOTHY JOSEPH WALLENDER is not a broker-dealer with any investment company. TIMOTHY JOSEPH WALLENDER does not receive any compensation in the form of commissions. ITEM 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading TIMOTHY JOSEPH WALLENDER may buy or sell for itself securities it also recommends to clients. At times, the interest of principals and associated persons could correspond with client interests. During such times, principals and associated persons may suggest that clients do a corresponding transaction. In each instance, full disclosure of the interest will be made to the client, and the size of the transaction by the principals and associated persons would be too small to noticeably affect the market. ITEM 12 Brokerage Practices We exercise reasonable due diligence to make certain that best execution is obtained for all clients when implementing any transaction by considering the back-office services, technology and pricing of services offered. If TIMOTHY JOSEPH WALLENDER assists in the implementation of any recommendations, we are responsible to ensure that the client receives the best execution possible. Best execution does not necessarily mean that clients receive the lowest possible commission costs but that the qualitative execution is best. In other words, all conditions considered, the transaction execution is in your best interest. When considering best execution, we look at a number of factors besides prices and rates including, but not limited to: • Execution capabilities (e.g., market expertise, ease/reliability/timeliness of execution, responsiveness, integration with our existing systems, ease of monitoring investments) • Products and services offered (e.g., investment programs, back-office services, 7  technology, regulatory compliance assistance, research and analytic services) • Financial strength, stability and responsibility • Reputation and integrity • Ability to maintain confidentiality Brokerage Recommendations TIMOTHY JOSEPH WALLENDER requires that clients establish brokerage accounts with the Schwab Institutional division of Charles Schwab & Co., Inc (“Schwab”), a FINRA-registered broker-dealer, Member SIPC, to maintain custody of clients’ assets and to effect trades for their accounts. Although TIMOTHY JOSEPH WALLENDER requires that clients establish accounts at Schwab, it is the client’s decision to custody assets with Schwab. TIMOTHY JOSEPH WALLENDER is independently owned and operated and not affiliated with Schwab. Schwab provides TIMOTHY JOSEPH WALLENDER with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis and at no charge to them. These services are not contingent upon TIMOTHY JOSEPH WALLENDER committing to Schwab any specific amount of business (assets in custody or trading commissions). Schwab’s brokerage services include the execution of securities transactions, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require significantly higher minimum initial investment. Schwab Institutional also makes available to TIMOTHY JOSEPH WALLENDER other products are services that benefit TIMOTHY JOSEPH WALLENDER but may not directly benefit clients’ accounts. Many of these products and services may be used to service all or some substantial number of TIMOTHY JOSEPH WALLENDER’ accounts, including accounts not maintained at Schwab. Schwab’s products and services that assist TIMOTHY JOSEPH WALLENDER in managing and administering clients’ accounts include software and other technology that (i) provides access to client account data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregated trade orders for multiple client accounts; (iii) provide research, pricing and other market data; (iv) facilitate payment of TIMOTHY JOSEPH WALLENDER’s fees from some of its accounts; and (v) assist with back-office functions, recordkeeping and client reporting. Schwab Institutional also offers other services intended to help TIMOTHY JOSEPH WALLENDER manage and further develop its business enterprise. These services may include: (i) compliance, legal and business consulting; (ii) publications and conferences on practice management and business succession; and (iii) access to employee benefits providers, human capital consultants and insurance providers. 8  Schwab Institutional may discount or waive fees it would otherwise charge for some of these services or pay all or part of the fees of a third-party providing these services to TIMOTHY JOSEPH WALLENDER. Schwab Institutional may also provide other benefits such as educational events or occasional business entertainment of TIMOTHY JOSEPH WALLENDER personnel. While as a fiduciary, TIMOTHY JOSEPH WALLENDER endeavors to act in it’s clients’ best interests, TIMOTHY JOSEPH WALLENDER’s recommendation that clients maintain their assets in accounts at Schwab may take into account availability of some of the foregoing products and services and other arrangements not solely on the nature of cost or quality of custody and brokerage services provided by Schwab, which may create a conflict of interest. Directed Brokerage Clients should understand that not all investment advisors require the use of a particular broker/dealer or custodian. Some investment advisors allow their clients to select whichever broker/dealer the client decides. By requiring clients to use a particular broker/dealer, TIMOTHY JOSEPH WALLENDER may not achieve the most favorable execution of client transactions and the practice requiring the use of specific broker/dealers may cost clients more money than if the client used a different broker/dealer or custodian. However, for compliance and operational efficiencies, TIMOTHY JOSEPH WALLENDER has decided to require our clients to use broker/dealers and other qualified custodians determined by TIMOTHY JOSEPH WALLENDER. Soft Dollar Benefits An investment adviser receives soft dollar benefits from a broker dealer when the investment adviser receives research or other products and services in exchange for client securities transactions or maintaining an account balance with the broker-dealer. TIMOTHY JOSEPH WALLENDER does not have a soft dollar agreement with a broker dealer or a third-party. Block Trading Policy Investment advisors may elect to purchase or sell the same securities for several clients at approximately the same time when they believe such action may prove advantageous to clients. This process is referred to as aggregating orders, batch trading or block trading. TIMOTHY JOSEPH WALLENDER does not engage in block trading. It should be noted that implementing trades on a block or aggregate basis may be less expensive for client accounts; however, it is our trading policy to implement all client orders on an individual basis. Therefore, we do not aggregate or “block” client transactions. Considering the types of investments we hold in advisory client accounts, we do not believe clients are hindered in any way because we trade accounts individually. This is because we develop individualized investment 9  strategies for clients and allocations and holdings may vary. Our strategies are primarily developed for the long-term and minor differences in price execution are not material to our overall investment strategy. ITEM 13 Review of Accounts TIMOTHY JOSEPH WALLENDER recommends, evaluates and monitors mutual funds for client accounts in accordance with the investment objectives shown on each client’s account agreement. Investment advisory services are provided which are available to individual and institutional investors. This service includes a review of the investor’s personal goals and risk tolerance as requested by the client. Changes in expected rate of return, risk, and relationship of each of the assets to the other assets can trigger a reallocation. Quarterly meetings are set up with the client upon request and, at a minimum, this information is sent to the client in a quarterly report. A detailed report is provided to each client at the end of each calendar quarter which reconciles to Schwab’s (or the chosen broker-dealer’s) monthly statements. Interim reports may be provided on an ad hoc basis, as per clients’ requests. The purpose of the quarterly report is to clearly show the summary account value over time and the fees applied for the quarter. Rebalancing decisions are made after evaluating trading costs. ITEM 14 Client Referrals and Other Compensation TIMOTHY JOSEPH WALLENDER does not receive any form of compensation for referrals given. Similarly, TIMOTHY JOSEPH WALLENDER does not pay any person to receive referrals. ITEM 15 Custody Custody, as it applies to investment advisors, has been defined by regulators as having access or control over client funds and/or securities. In other words, custody is not limited to physically holding client funds and securities. If an investment adviser has the ability to access or control client funds or securities, the investment adviser is deemed to have custody and must ensure proper procedures are implemented. fees deducted directly from client accounts. TIMOTHY TIMOTHY JOSEPH WALLENDER is deemed to have custody of client funds and securities whenever TIMOTHY JOSEPH WALLENDER is given the authority to have JOSEPH WALLENDER is also deemed to have custody of client funds and securities when TIMOTHY JOSEPH WALLENDER has standing authority (also known as a standing letter of authorization or “SLOA”) to move money from a client’s account to a pre-determined third-party account. It should be noted that authorization to trade in client accounts is not deemed by regulators to be 10  custody. For accounts in which TIMOTHY JOSEPH WALLENDER is deemed to have custody, we have established procedures to ensure all client funds and securities are held at a qualified custodian in a separate account for each client under that client’s name. Clients or an independent representative of the client will direct, in writing, the establishment of all accounts and therefore are aware of the qualified custodian’s name, address and the manner in which the funds or securities are maintained. Finally, account statements are delivered directly from the qualified custodian to each client, or the client’s independent representative. Clients should carefully review those statements and are urged to compare the statements against reports received from TIMOTHY JOSEPH WALLENDER. When clients have questions about their account statements, they should contact TIMOTHY JOSEPH WALLENDER or the qualified custodian preparing the statement. ITEM 16 Investment Discretion TIMOTHY JOSEPH WALLENDER is granted discretionary trade authority by the Advisor Agreement signed by the client and Client will also sign Schwab application including Direct Trading Authorization and Fee Deduction and Payment Authorization. In all cases, Schwab is the custodian of all funds for the client. Clients will receive monthly statements from Schwab serving as the custodian for the account. Clients should carefully review these statements on a regular basis. ITEM 17 Voting Client Securities TIMOTHY JOSEPH WALLENDER does not have the authority and will not accept the authority to vote client securities on behalf of the client. Any matter regarding voting rights on securities will be exercised by contacting the broker-dealer acting as custodian for the security. ITEM 18 Financial Information TIMOTHY JOSEPH WALLENDER is granted discretionary trade authority by the Advisor Agreement signed by the client and Client will also sign Schwab application including Direct Trading Authorization and Fee Deduction and Payment Authorization. 11  ADV Part 2B: Brochure Supplement Item 1 – Cover Page Timothy Joseph Wallender 21129 Highland Ave., #203 Manhattan Beach, CA 90266 310-318-3255 tim@strategicindex.com Date of Supplement: April 2026 This brochure supplement provides information about Timothy Wallender that supplements the Timothy Joseph Wallender’s disclosure brochure. You should have received a copy of that brochure. Please contact Timothy Wallender at 310-318-3255 or tim@strategicindex.com if you did not receive Timothy Joseph Wallender’s brochure or if you have any questions about the contents of this supplement. Additional information about Timothy Wallender is available on the SEC’s website at www.adviserinfo.sec.gov. 12  Item 2 – Educational Background and Business Experience Timothy Wallender Born: 1959 CRD #2539920 Professional Designations: Certified Financial Planner (CFP) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered on one day during two 3-hour testing sessions, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and 13  • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. CFP Acknowledgment: Timothy Wallender acknowledges his responsibility as a CFP® Certificant to adhere to the standards that have been established in the CFP Board’s Standards of Professional Conduct. If you become aware that Timothy Wallender’s conduct may violate the Standards of Professional Conduct, you may file a complaint with the CFP Board at www.CFP.net/complaint. Post Secondary Educational Background: United States Air Force Academy, Bachelor of Science Degree in Business Administration, Finance, with a concentration in Investments and Financial Management: 1981 Business Background: Timothy Joseph Wallender, Owner and Sole Proprietor, 11/2005 to Present Item 3 – Disciplinary Information Timothy Wallender has no legal or disciplinary events to report. Item 4 – Other Business Activities Wallender & Associates Timothy Wallender is the President of Wallender & Associates since June 2016. Wallender & Associates is an Aerospace Project Management Consulting Company. This is not an investment-related activity. 10% of time is spent on this activity. Real Estate Agent Timothy Wallender is a licensed real estate agent in the State of California since September 2018. In this separate capacity as a licensed real estate agent, Timothy Wallender will earn commissions for real estate transactions. This is not an investment-related activity. 2% of time is spent on this activity. To the extent that an advisory client may use a portion of their proceeds from a loan on the client’s real estate or from the sale of their real estate, brokered by Timothy Wallender, to fund their securities account(s), a potential conflict of interest exists. The conflict is present in that Timothy Wallender has an incentive to recommend the proceeds be placed in a securities account managed by Timothy Wallender thus increasing the compensation 14  earned by Timothy Wallender. Clients of Timothy Joseph Wallender are not obligated in any manner to use the real estate services provided by Timothy Wallender. Item 5 – Additional Compensation Timothy Wallender does not receive any benefits or compensation. Item 6 – Supervision Timothy Wallender is the Chief Compliance Officer of Timothy Joseph Wallender. He is responsible for overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Timothy Wallender can be contacted at 310-318-3255. 15