WEALTH ENGINEERING, LLC

Form ADV Part 2A – Disclosure Brochure Wealth Engineering, LLC 7373 E. Doubletree Ranch Rd, Suite 200 Scottsdale, AZ 85258 Phone (480) 296-2042 Fax (480) 907-1742 www.wealth-engineering.com September 18, 2025 This Disclosure Brochure provides information about the qualifications and business practices of Wealth Engineering LLC. If you have any questions about the contents of this Disclosure Brochure, please contact us at: (480) 296-2042, or by email at: Dave@Wealth-Engineering.com. The information in this Disclosure Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Wealth Engineering to assist you in determining whether to retain them as an Advisor. Additional information about Wealth Engineering, and its advisory personnel are available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 – Material Changes Material Changes since the Last Update Since the Firm’s last ADV annual update of March 5, 2025, there have been updates to the fees that the Firm charges. More information is available in Item 5 below. Full Brochure Available At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. You may also request a copy of this Disclosure Brochure at any time, by contacting us at (480) 296-2042 or by email at Dave@Wealth-Engineering.com. ii  Item 3 – Table of Contents ITEM 2 – MATERIAL CHANGES ............................................................................................................................................. II ITEM 3 – TABLE OF CONTENTS ............................................................................................................................................ III ITEM 4 – ADVISORY SERVICES.............................................................................................................................................. 4 ITEM 5 – FEES AND COMPENSATION ................................................................................................................................... 6 ITEM 6 – PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT ........................................................................... 7 ITEM 7 – TYPES OF CLIENTS ................................................................................................................................................. 7 ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS ................................................................ 7 ITEM 9 – DISCIPLINARY INFORMATION ............................................................................................................................... 9 ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS .............................................................................. 9 ITEM 11 – CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING ............... 9 ITEM 12 – BROKERAGE PRACTICES ...................................................................................................................................... 9 ITEM 13 – REVIEW OF ACCOUNTS ..................................................................................................................................... 10 ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION ............................................................................................. 10 ITEM 15 – CUSTODY .......................................................................................................................................................... 11 ITEM 16 – INVESTMENT DISCRETION ................................................................................................................................. 11 ITEM 17 – VOTING CLIENT SECURITIES ............................................................................................................................... 11 ITEM 18 – FINANCIAL INFORMATION ................................................................................................................................ 11 BROCHURE SUPPLEMENT (PART 2B OF FORM ADV) .......................................................................................................... 14 iii  Item 4 – Advisory Services Firm Information Wealth Engineering, LLC (“Wealth Engineering”) was founded in 2003 by Dave Fernandez. Mr. Fernandez is Wealth Engineering’s sole owner and managing member. Advisory Services Offered Wealth Engineering is strictly a fee-only investment management and financial planning firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commission or finder fees are accepted in any format. Wealth Engineering provides customized Investment Advisory and Financial Planning Services. These services are provided to individuals, families, retirement plans, trusts, and estates. Investment advice is personalized through lengthy conversations with Clients and may include the evaluation of the Client’s: financial objectives, risk parameters, financial structure, cash management and life experiences. The initial meeting(s), which may be by telephone and/or in person, is/are free of charge and is/are considered an exploratory interview to determine the scope of services needed and to determine if there will likely be a mutual benefit to both the Client and Wealth Engineering. Wealth Engineering’s Investment Advisory Service provides ongoing management of the Client’s investment portfolio and the continuous pursuit of financial planning issues that need to be integrated into the Client’s financial structure. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries 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 way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Wealth Engineering offers the following type of engagement: Investment Advisory Agreement Depending on Clients’ stated needs and goals, Wealth Engineering will provide ongoing, as-needed financial planning advice and recommendation and asset management to Clients through an Investment Advisory Agreement. Typically, after Wealth Engineering has spent significant time understanding the Client’s financial situation Wealth Engineering tailors a customized investment allocation that is communicated to the Client in what we refer to as the “Recommendation Letter.” The presentation and conversation about this Letter give the Client the forum to accept or decline our initial recommendations. If and when the initial investment allocation is approved, Wealth Engineering implements the recommended investment strategy via a limite d power of attorney provided to the firm by the Client and will proceed in implementing the approved allocation over the time period noted in the Recommendation Letter. Depending on the Client’s situation, a retirement projection may also be produced to supplement the Recommendation Letter. The Recommendation Letter is utilized for the implementation period noted in the Recommendation Letter. After the initial implementation of the client’s portfolio has been completed per the Recommendation Letter, Wealth Engineering will implement an Investment Policy Statement for the management of the client’s account(s) going forward. We review and rebalance Client portfolios, as needed, which is typically on a quarterly basis. Wealth Engineering accepts discretionary authority in the investment management of a client’s account(s); meaning the firm has the authority to place trades in a client’s account without prior consent by the client. As directly pertaining to Asset Management, Wealth Engineering’s services may include, among others: 4  ⚫ Risk Tolerance Determination. ⚫ Portfolio design to achieve or maintain financial independence. ⚫ Tailored Asset Allocation Plan with Specific Investment Recommendations; and Implementation and Ongoing support ⚫ o Account establishment and/or account transfer assistance o Quarterly appraisal and performance reports o Ongoing portfolio monitoring and management o Constant access to the Advisor via phone, email or in person to evaluate life changes and family financial issues. The following are additional services that we provide to investment advisory clients: 1. Tax Reporting includes Realized Gain and Loss reports and detailed notes to the Client’s accountant to assist in completion of the Client’s tax return. Upon client direction, Wealth Engineering communicates directly with the Client’s accountant as to any tax reporting revisions by the custodian. 2. Required Minimum Distribution calculation and distribution plan (if applicable). 3. Annual Net Worth Calculation to determine progress of the Client’s overall financial situation. The Client is encouraged to provide the Net Worth Statement to their estate planning attorney and insurance agent to ensure that these other professionals understand the Client’s current structure and current asset values to determine if changes need to be made to estate planning documents or insurance coverage. 4. Tax Loss Harvesting opportunities are pursued throughout the year. 5. Year-end tax evaluation to determine if tax deferral or tax acceleration is beneficial for the Client. While financial planning services are a part of the Investment Advisory engagement, the services provided should not be construed as a comprehensive financial plan, but rather planning revolving around the ongoing investment of the Client’s assets. Wealth Engineering may address, as needed, any of the following areas or more for a client as a part of these planning services: ⚫ Financial Goals ⚫ Net Worth Statement ⚫ Cash Flow Projection ⚫ Debt Management ⚫ Income Tax * ⚫ Risk Management (Current Insurance Review) * ⚫ Retirement Planning ⚫ College Planning ⚫ Estate Planning * ⚫ Investment Allocation Analysis o Portfolio Volatility Tolerance Determination o Tailored Asset Allocation Design *Note - The Advisor is not a lawyer, accountant, or licensed insurance agent; therefore, the Advisor recommends the integration of the advice with these other professionals in their respective areas of expertise. Termination of Agreements Although the Investment Advisory Service Agreement is an ongoing agreement, the length of service to the Client is at the Client’s discretion. A Client may terminate any agreement at any time by providing Wealth Engineering thirty (30) 5  days’ notice, in writing. Wealth Engineering may terminate any agreement at any time by notifying the Client in writing. If a client does not receive a Brochure at least 48 hours prior to entering into an advisory agreement, the client has a right to terminate the contract without penalty or fee within five business days after entering the contract. Otherwise, upon termination, if the Client made an advance payment, Wealth Engineering will refund only the unearned portion of the advance payment. In an Investment Advisory Agreement, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation. Wrap Fee Programs Wealth Engineering does not manage or place client assets into a wrap fee program. Assets Under Management As of December 31, 2024, Wealth Engineering managed approximately $149,494,689 in assets on a discretionary basis for approximately 56 clients. Item 5 – Fees and Compensation Description Investment Advisory Agreement Fee: The scope of work and fee for an Investment Advisory Service relationship is provided to the Client in writing prior to the start of the relationship via a formalized contract. Fees are negotiable at the Firm’s discretion. Wealth Engineering bases its fees on a percentage of assets under management or the applicable minimum annual fee. The annual Investment Advisory Service Agreement fee is based on a percentage of the investable assets according to the following schedule: Portfolio Value Quarterly Rate Equivalent Annual Rate $0-$2,000,000 0.2125% $2,000,001 to $5,000,000 0.1500% $5,000,001 to $10,000,000 0.10% $10,000,001 and above 0.0625% .85% of assets under management, plus 0.60% of assets under management, plus 0.40% of assets under management 0.25% of assets under management Wealth Engineering has a minimum account size of $2,000,000 and an annual minimum fee of $17,000 or $4,250 per quarter. Wealth Engineering, in its sole discretion, may reduce the minimum fee and/or charge a lesser investment advisory fee based upon certain extenuating factors (e.g. family members, business associates, groups of clients hiring advisor at one time, etc.). Current Clients under previous contracts may have a different fee than the fee schedule above. There are instances where extraordinary financial planning or non-investment-oriented services could arise, under the Investment Advisory Agreement. When such instances arise, the Firm will notify the Client and, upon the Client’s approval, an hourly fee of $400 will be billed for these services, upon completion. It should be noted that these instances are rare. The most common reason is in the death or divorce of a Client. When these occurrences arise, Wealth Engineering will discuss any additional fees with the Client before any additional fees accrue. Fee Billing Investment management fees are billed quarterly, in arrears, meaning that we invoice the Client after the three- 6  month billing period has ended. Wealth Engineering provides a copy of the Client’s invoice along with their quarterly investment statements. Wealth Engineering utilizes the market value of all of the Client’s assets on the last trading day of the previous calendar quarter to determine the fee. The Firm includes cash and cash equivalents in the value of Clients’ assets in calculating the fee except when the Firm and Client have agreed to otherwise exclude them from the value of those assets from the calculation. It is clearly noted on the invoice that the Client must verify the fee calculation in that the custodian will not verify these figures. A date is typically provided on the invoice that is two to three weeks following the end of the quarter informing the Client that their fee will be deducted on this date. The Client authorizes Wealth Engineering to directly debit this fee from the Client’s investment account, via the initial custodian account application. Other Fees and Expenses Wealth Engineering occasionally utilizes third party bond brokers that transact bond and CD purchases and sales under the direction of the Advisor. These bond brokers are compensated by commissions, and it is Wealth Engineering’s responsibility to reduce these commissions wherever possible. These commissions for the purchase or sale of municipal bonds are significantly higher than the transactions to buy separate issue stocks or mutual funds. Wealth Engineering fully understands that Clients are paying higher commissions in this segment of the portfolio, but these separate issue bonds and CDs are recommended due to their lack of ongoing expenses. It is imperative to understand that Wealth Engineering does not receive any of the above commissions nor do they receive any enticement to direct trades to these third-party brokers. In addition, there are charges by mutual funds and exchange-traded funds to their shareholders, when applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. The Client should review both the fees charged by the fund[s] and the fees charged by Wealth Engineering to fully understand the total fees being paid to receive and implement financial recommendations. Item 6 – Performance-Based Fees and Side-By-Side Management Fees are not based on a share of the capital gains or capital appreciation of managed securities. Wealth Engineering does not utilize a performance-based fee structure because of the potential conflict of interest. Performance-based compensation may create an incentive for the Advisor to recommend an investment strategy that may carry a higher degree of risk than desired by the Client. Item 7 – Types of Clients Wealth Engineering generally provides investment advice to individuals, families, pension and profit-sharing plans, trusts, estates, corporations, or business entities. Client relationships vary in length of service. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Wealth Engineering’s security analysis method predominately centers on fundamental analysis. Wealth Engineering spends much of their investment analysis energy on understanding the macroeconomic environment. While many firms center their efforts on the micro economic environment (specific stocks), Wealth Engineering believes that our time is much better utilized in understanding the “Big Picture.” The main source of information comes from analysts throughout the world. Much of this information is obtained via the internet. Secondarily, information is obtained from mutual fund company literature, financial newspapers 7  and magazines, mutual fund rating services, research materials prepared by others and discussions with fellow financial advisors. Investment Strategy Wealth Engineering strongly believes that building customized portfolios is not an exact science because a Client’s tolerance for stock market risk is not a static measurement. In Wealth Engineering’s experience Clients are willing to take on greater risk during prosperous periods of economic growth (bull markets) and exhibit less of a willingness to take on risk during periods of economic contraction (bear markets). Thus, Wealth Engineering believes it may take a few market cycles to “fine tune” and arrive at a portfolio structure that ultimately meets the Client’s objectives. The primary investment strategy used on Client accounts is strategic asset allocation. This is a long -term investment strategy which incorporates the principles of modern portfolio theory. Wealth Engineering’s approach is anchored in the belief that investor’s returns are determined primarily by asset allocation decisions. Academic research suggests that the decision as to how a portfolio is allocated among different asset classes will have far greater impact on portfolio performance and volatility than security selection and market timing. Wealth Engineering’s investment management process begins after a discussion and understanding of the Client’s financial situation and goals. Wealth Engineering then designs a portfolio tailored to the Client’s financial needs, time horizon, tolerance for risk, financial capacity to endure risk and tax situation. Wealth Engineering primarily invests in open-end, no-load mutual funds and exchange-traded funds. We favor asset class oriented, index and passively managed mutual funds and exchange traded funds due to their broad diversification, lower expenses, and higher level of tax efficiency. The Client’s portfolio is regularly monitored with the current economic environment in mind. Wealth Engineering considers inflation, deflation, market valuations and investment styles when designing a portfolio as well as providing ongoing quarterly rebalancing recommendations. Risk of Loss All investment programs have certain risks that are borne by the investor. Some of the risks that investors could weather are: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market value to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to real and/or emotional events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic and social conditions may trigger market events. • Inflation Risk/ Loss of Purchasing Power: When inflation is present, a dollar next year will not buy as much as a dollar today because the purchasing power is eroding. This devaluation can also occur in other world currencies. • U.S. Dollar Risk: Our home currency could become impaired due to excessive current and further additional Federal deficits. • Currency Risk: In today’s globalized world, investments are held within currencies throughout the globe. Losses could be a result of both the weakening and strengthening of certain currencies. • Counterparty Risk: Financial institutions may not be able to honor their obligations under a derivative security in an extreme financial crisis, similar to what was experienced in 2008 and early 2009. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash at a 8  reasonable price. The vast majority of Wealth Engineering’s assets are liquid, assuming that the markets are open and active. The issue of liquidity has been more of an issue of liquidity at a much lower price. During the downturn in 2008 and 2009, there was limited liquidity within the municipal bond market and if Advisor was forced to sell during a one-month window, Client would have received a significant discount on Client’s asset. It is Wealth Engineering’s goal to ensure that assets that could have compromised liquidity in a financial panic are in fact long-term holdings. Advisor attempts to not be a seller in a compromised market. Item 9 – Disciplinary Information Wealth Engineering is required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of our firm or the integrity of our management. We have no information applicable to this Item. Item 10 – Other Financial Industry Activities and Affiliations Neither Wealth Engineering nor any affiliated person is registered as or have a pending application as a broker-dealer, futures commission merchant, commodity pool operator, or commodity trading advisor or as a representative of any of the foregoing entities. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Wealth Engineering has implemented a Code of Ethics that defines our fiduciary commitment to each Client. This Code of Ethics applies to all persons associated with Wealth Engineering (our “Supervised Persons”). The Code of Ethics was developed to provide general ethical guidelines and specific instructions regarding our duties to our Clients. Wealth Engineering and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Wealth Engineering associates to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code of Ethics covers a range of topics that address ethics and conflicts of interest. To request a copy of our Code of Ethics, please contact us at (480) 296- 2042 or by email at Dave@Wealth-Engineering.com. Personal Trading with Material Interest Wealth Engineering does not purchase or sell the same securities that Wealth Engineering has a material interest in. Wealth Engineering does not act as principal in any transactions. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In addition, Wealth Engineering does not act as the general partner of a fund or advise an investment company. Wealth Engineering does not have a material interest in any securities traded in Client accounts. Personal Trading in Same Securities as Clients The Chief Compliance Officer of Wealth Engineering is Dave Fernandez. He places and reviews all trades each quarter. This personal trading review ensures that Clients of the firm receive preferential treatment over the personal trades of Dave Fernandez. Since any trades made by Dave Fernandez are small in relation to the overall markets and are typically mutual fund or exchange-traded fund trades, these trades will not affect the securities markets. Item 12 – Brokerage Practices Directed Brokerage – Recommendation of Custodian[s] While we may recommend a particular custodian, the client will decide and open their account in their name with their chosen custodian by entering into an agreement directly with them. Wealth Engineering recommends 9  custodians based on proven integrity and financial responsibility within the industry and any specific custodian recommendations made to Clients are based on their need for such services. Reasonable commission rates and the best execution of orders are considered in Wealth Engineering’s determination of a custodian to recommend to clients. Wealth Engineering recommends discount brokerage firms (qualified custodians), such as Charles Schwab. Jefferson National/Nationwide, Vanguard and TIAA-CREF are also recommended for their low-cost variable annuities for Clients with existing variable annuities. Wealth Engineering does not receive fees or commissions from any of these arrangements. Soft Dollars Wealth Engineering receives no cash benefit, including commissions, from any third party in connection with Clients’ accounts. Charles Schwab offers services to independent investment advisors and their clients which include custody of securities, trade execution, clearance, and settlement of transactions (“Institutional Program”). All investment advisors that participate in the Institutional Program are eligible to receive certain benefits from Charles Schwab (“Program Benefits”). These benefits include various technological tools, education and compliance materials that assist investment advisors in managing and servicing their Clients’ accounts. These Program Benefits do not depend on the amount of brokerage transactions an investment advisor directs to Charles Schwab. An investment advisor’s receipt of Program Benefits could create potential conflicts of interest between the investment advisor and its Clients. For example, the receipt of Program Benefits by an advisor may indirectly influence that advisor’s recommendation of Charles Schwab for custody and brokerage services. The Program Benefits benefit all clients of Wealth Engineering, and no material conflict exists with clients in the receipt of the Program Benefits. Aggregating and Allocating Trades Most trades are mutual funds or exchange-traded funds, and Wealth Engineering does not utilize block trading or aggregating software. As previously noted, Wealth Engineering manages customized portfolios, thus purchases and sales are specifically tailored to each Client’s current financial situation. Item 13 – Review of Accounts Frequency of Reviews For ongoing engagements, account reviews are performed quarterly by Dave Fernandez. Causes for Review Other conditions that may trigger a review are changes in market conditions, a change in investment assumptions, an unforeseen macro event, and an update from the Clients as to changes in the Client’s financial or personal situation. All Clients are requested to keep the Advisor apprised of any changes regarding their financial and personal situation. Review Reports Clients receive regular statements and confirmations from various companies serving as custodians for the Clients’ investment(s). Clients should review trade confirmations and custodian statements on a timely basis and contact Wealth Engineering if any discrepancies exist or additional information is needed. Charles Schwab provides these reports monthly, and Vanguard, Jefferson National/Nationwide and TIAA-CREF provide the reports on a quarterly basis. Wealth Engineering prepares quarterly investment appraisals and performance reports for Clients. Clients should compare the information in these reports with the information contained in the independent custodian statement(s) and contact Wealth Engineering if any additional information or explanations are needed. Item 14 – Client Referrals and Other Compensation Compensation Received by Wealth Engineering Wealth Engineering is a fee-only advisory firm, who, in all circumstances, is compensated solely by the Client. Wealth Engineering does not receive commissions or other compensation from product sponsors, broker dealers or 10  any un-related third party. Wealth Engineering may refer Clients to various third parties to provide certain services necessary to meet the goals of its Clients. Likewise, Wealth Engineering may receive referrals of new Clients from a third-party; but no compensation is received or paid for a referral. Client Referrals from Solicitors Wealth Engineering does not engage paid solicitors for Client referrals. Item 15 – Custody Wealth Engineering does not accept or maintain physical custody of any Client cash or securities. All Clients’ assets are held at an independent qualified custodian. Wealth Engineering will only have custody of assets to the extent it deducts its advisory fees from client accounts and in the use of Standing Letters of Authorizations (SLOA’s) for third-party money movement. Clients will receive at least quarterly account statements from the broker-dealer, bank or other qualified custodian that holds and maintains client’s investment assets detailing the assets in the account and any transactions-including fee deductions. For SLOA’s: All transfers from client custodial accounts to third party accounts will be preceded or accompanied by client written authorization. Wealth Engineering will ensure that the SLOA will satisfy the requirements needed to avoid the need for the surprise annual audit for third-party money transfers and will contain the specific information needed to avoid custody when using a SLOA for a first-party money transfer. Account Statements The client’s account custodian provides account statements directly to Clients at their address of record at least quarterly. Statements are provided monthly from Charles Schwab. Confirmations are provided if there is activity in the account. Performance Reports Clients are directed to compare the account statements received directly from their custodians to reports provided by Wealth Engineering. Item 16 – Investment Discretion Clients provide Wealth Engineering the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. This Discretionary Authority does not provide Wealth Engineering with the ability to take possession of any Client’s assets. Item 17 – Voting Client Securities Wealth Engineering does not accept proxy-voting responsibility for any Client. The Client retains the sole responsibility for proxy decisions and voting. Clients will receive proxy statements directly from the Custodian. Further, Wealth Engineering will have no power, authority, responsibility, or obligation to take any action with regard to any claim or potential claim in any bankruptcy proceeding, class action securities litigation or other litigation or proceeding relating to securities held at any time in a client account, including, without limitation, to file proofs of claim or other documents related to such proceeding, or to investigate, initiate, supervise or monitor class action or other litigation involving client assets. Item 18 – Financial Information Neither Wealth Engineering, nor its management, have any adverse financial situations that would reasonably impair the ability of Wealth Engineering to meet all obligations to its Clients. Neither Wealth Engineering, nor any of its advisory persons, has been subject to a bankruptcy or financial compromise. Wealth Engineering is not 11  required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect fees of $1,200 or more for services to be performed six months or more in advance. 12  Form ADV Part 2B – Brochure Supplement David Fernandez, CFP® CRD No. 2718232 Wealth Engineering, LLC 7373 E. Doubletree Ranch Rd., Suite 200 Scottsdale, AZ 85258 Phone (480) 296-2042 Fax (480) 907-1742 www.wealth-engineering.com September 18, 2025 This brochure supplement provides information about Wealth Engineering LLC personnel that supplements the Wealth Engineering LLC brochure. You should have received a copy of the Wealth Engineering LLC brochure. Please contact us at (480) 296-2042, or by email at: Dave@Wealth-Engineering.com. if you did not receive the brochure or if you have any questions about the contents of this supplement. Additional information about Dave Fernandez is available on the SEC’s website at www.adviserinfo.sec.gov. using Mr. Fernandez’s CRD No. 2718232. 13  Brochure Supplement (Part 2B of Form ADV) Dave Fernandez CFP®, MANAGING MEMBER, INVESTMENT ADVISER REPRESENTATIVE YOB: 1969 Item 2 – Educational Background and Business Experience Education: • Bachelor of Science, Finance, Arizona State University, 1994 • Certificate in Financial Planning, College for Financial Planning, 1999 • Certified Financial Planner Licensee, 2000 Mr. Fernandez’s CFP designation requires further information: 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 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. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • • • • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a bachelor’s degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to maintain the right to continue to use the CFP® marks: • • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. 14  Business: • 9/2003 – Present – Managing Member/CCO/IAR, Wealth Engineering, LLC, Scottsdale, AZ • 10/1995 – 9/2003 – Investment Manager, The Vanguard Group, Scottsdale, AZ Item 3 – Disciplinary Information ____________________________________________ Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. Dave Fernandez has no legal or disciplinary events to report. Item 4 – Other Business Activities Dave Fernandez has no other business activities. Item 5 – Additional Compensation Dave Fernandez has no additional business activities where compensation is received. Item 6 – Supervision Dave Fernandez serves as the Chief Compliance Officer of Wealth Engineering and there is no one in a supervisory capacity over him. Wealth Engineering has implemented a Code of Ethics and internal compliance that guide each Supervised Person in meeting their fiduciary obligations to clients of Wealth Engineering. Further, Wealth Engineering is subject to regulatory oversight by various agencies. If you have any questions, Dave Fernandez can be reached at (480) 296-2042, or by email at: Dave@Wealth-Engineering.com. 15