WEALTH TEAMS ALLIANCE

Item 1: Cover Page 15520 Rockfield, Blvd., Suite G Irvine, CA 92618 Form ADV Part 2A – Firm Brochure 877-282-4768 Dated March 31, 2026 CRD # 168907/SEC#:801-122977 This Disclosure Brochure provides information about the qualifications and business practices of Wealth Teams Alliance, Inc. (“Wealth Teams Alliance,” “Advisor” or the “Registrant”). If you have any questions about the contents of this Brochure, please contact us at 877-282-4768. 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. Wealth Teams Alliance is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Wealth Teams Alliance to assist you in determining whether to retain the Advisor. is available on the SEC’s website at Additional information about Wealth Teams Alliance www.adviserinfo.sec.gov by searching by CRD number 168907.  Item 2: Material Changes Since the Annual Amendment filed on March 28, 2025, this Form ADV Disclosure Brochure has been amended at Item 4 to enhance disclosure regarding our advisory services. Item 10 has been revised relative to Other Investment Advisers. 2 | P a g e  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 ............................................................................................................................... 14 Item 6: Performance-Based Fees and Side-By- Side Management ........................................................................... 16 Item 7: Types of Clients ............................................................................................................................................. 17 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ..................................................................... 17 Item 9: Disciplinary Information .............................................................................................................................. 20 Item 10: Other Financial Industry Activities and Affiliations .................................................................................... 20 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............................. 21 Item 12: Brokerage Practices ................................................................................................................................... 22 Item 13: Review of Accounts ................................................................................................................................... 24 Item 14: Client Referrals and Other Compensation .................................................................................................. 24 Item 15: Custody ....................................................................................................................................................... 25 Item 16: Investment Discretion ............................................................................................................................... 26 Item 17: Voting Client Securities .............................................................................................................................. 26 Item 18: Financial Information ................................................................................................................................ 26 3 | P a g e  Item 4: Advisory Business Description of Advisory Firm Wealth Teams Alliance, Inc. is registered with the Securities and Exchange Commission as an Investment Adviser as of January 3, 2022. We were founded in December of 2012. Guy Baker is the principal owner of Wealth Teams Alliance, Inc. On January 15, 2021, the Registrant, previously known as Oak Grove, LLC, converted to a California corporation. Wealth Teams Alliance then change its name to Wealth Teams Alliance, Inc. on January 15, 2022. As of December 31, 2022, Timothy Latimer, Benjamin Langhofer, Shannon Jason Black and Michael Taylor also maintain ownership shares of Wealth Teams Alliance, Inc. Investment Supervisory Services Wealth Teams Alliance provides discretionary investment advisory services on a fee basis as discussed at Item 5 below. Before engaging Wealth Teams Alliance to provide investment advisory services, clients are generally required to enter into an Investment Advisory Agreement with Wealth Teams Alliance setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. To commence the investment advisory process, Wealth Teams Alliance will ascertain each client’s investment objective(s) and then allocate the client’s assets consistent with the client’s designated investment objective(s). Once allocated, Wealth Teams Alliance provides ongoing supervision of the account(s). For individual retail (i.e., non-institutional) clients, Wealth Teams Alliance’s annual investment advisory fee shall generally (exceptions can occur-see below) include investment advisory services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of Wealth Teams Alliance), Wealth Teams Alliance may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. We are in the business of managing individually tailored investment portfolios on a discretionary basis. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation target. We may also employ other investment advisers (“sub-advisers”) to manage a portion, or all, of a client’s portfolio. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior investment history, as well as family composition and background. 4 | P a g e  Account supervision is guided by the stated objectives of the client (i.e., maximum capital appreciation, growth, income, or growth and income). Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors in the advisory contract. This service has no minimum account size requirements and will be offered to all clients. Fees pertaining to this service are outlined in Item 5 of this brochure. Financial Planning We provide financial planning services on topics such as retirement planning, risk management, college savings, cash flow, debt management, work benefits, and estate and incapacity planning. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern. The client and advisor will work together to select the specific areas to cover. These areas may include, but are not limited to, the following:  Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals.  Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.  College Savings: Includes projecting the amount that will be needed to achieve college or other post- secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate). 5 | P a g e   Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.  Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request.  Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.  Investment Analysis: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure.  Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.  Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance(“self-insuring”). 6 | P a g e   Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Wrap Fee Program Wealth Teams Alliance sponsors the Wealth Teams Alliance Wrap Program (the “Program”) through which it offers discretionary investment management services on a wrap fee basis. The services offered under, and the corresponding terms and conditions pertaining to, the Program are discussed in the Wrap Fee Program Brochure, a copy of which is presented to all prospective Program participants. Under the Program, Wealth Teams Alliance is able to offer participants discretionary or nondiscretionary investment management services, for a single specified annual Program fee, inclusive of trade execution, custody, reporting, account maintenance, investment management fees, and in some instances, fees charged by independent managers and/or separately managed accounts. Clients continue pay certain custodial and administrative fees. The current annual Program fee ranges from negotiable to 1.50%, depending upon the complexity of the account, the amount of the client assets in the Program and the independent/separately managed accounts utilized by the client’s investment portfolio. The terms and conditions for client participation in the Program are set forth in detail in the Wrap Fee Program Brochure, which is presented to all prospective Program participants in accordance with disclosure requirements. All prospective Program participants should read both the Brochure and the Wrap Fee Program Brochure, and ask any corresponding questions that they may have, prior to participation in the Program. As indicated in the Wrap Fee Program Brochure, participation in the Program may cost more or less than purchasing such services separately. When managing a client’s account on a wrap fee basis, the Advisor shall receive as payment for its asset management services, the balance of the wrap fee after all other non-excluded costs (including account transaction fees) incorporated into the wrap fee have been deducted. As also indicated in the Wrap Fee Program Brochure, the Program fee charged by the Advisor for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. Wrap Program-Conflict of Interest. Under the Advisor’s wrap program, the client generally receives investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. When managing a client’s account on a wrap fee basis, the Advisor shall receive as payment for its investment advisory services, the balance of the wrap fee after all other costs incorporated into the wrap fee have been deducted. Because wrap program transaction fees and/or commissions are being paid by the Advisor 7 | P a g e  to the account custodian/broker-dealer, the Advisor has an economic incentive to maximize its compensation by seeking to minimize the number of trades in the client's account. Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent requested by the client, Wealth Teams Alliance will generally provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. Wealth Teams Alliance will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions could occur based upon assets under management, extraordinary matters, special projects, stand-alone planning engagements, etc. for which Firm may charge a separate or additional fee). Please Note. Wealth Teams Alliance believes that it is important for the client to address financial planning issues on an ongoing basis. Registrant’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with Wealth Teams Alliance. Please Also Note: Wealth Teams Alliance does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, Wealth Teams Alliance does not prepare legal documents or tax returns, nor does it offer or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc.) including Wealth Teams Alliance’s affiliates, Insurance Concept Services, Inc. and Baker Mountford Insurance Services, Inc. in their separate capacities as licensed insurance agencies (the “Insurance Agencies”). The Insurance Agencies offer insurance-related advice and products on a commission compensation basis. Certain of Wealth Teams Alliance’s representatives also serve as licensed agents of the Insurance Agencies. The commission compensation earned by the Insurance Agencies and their agents is separate from, and in addition to, Wealth Teams Alliance’s investment advisory fee. Please Note-Conflict of Interest: The recommendation by Wealth Teams Alliance that a client consider the purchase of an insurance product from the Insurance Agencies presents a conflict of interest, as the potential receipt of an insurance commission compensation by the Insurance Agencies and their agent(s) may provide an incentive for Wealth Teams Alliance to recommend insurance products based on compensation to be received by its affiliated entity and representatives rather than on a particular client’s needs. No client is under any obligation to purchase any insurance product from Insurance. Clients can purchase insurance products through other, non-affiliated insurance agencies and agents. The client is not under any obligation to engage any such professional(s). The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Wealth Teams Alliance and/or its representatives. If the client engages any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, the engaged professional shall remain exclusively responsible for resolving any such dispute with the client. At all times, the engaged licensed professional([s)] (i.e., attorney, accountant, insurance agent, etc.), and not Registrant, shall be responsible for the quality and competency of the services provided. Miscellaneous Cash Positions. Advisor continues to treat cash as an asset class. As such, unless determined to the contrary by Advisor, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Advisor’s advisory fee. At any specific point in time, depending upon 8 | P a g e  perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Advisor may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Advisor’s advisory fee could exceed the interest paid by the client’s money market fund. Portfolio Activity. Advisor has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, Advisor will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Advisor determines that changes to a client’s portfolio are neither necessary nor prudent. Clients nonetheless remain subject to the fees described in Item 5 below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by Wealth Teams Alliance will be profitable or equal any specific performance level(s). Retirement Rollovers-Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Advisor provides a recommendation as to whether a client should engage in a rollover or not, Advisor is acting as an ERISA fiduciary by making such recommendation. Furthermore, if Advisor recommends that a client roll over their retirement plan assets into an account to be managed by Advisor, such a recommendation creates a conflict of interest if Advisor will earn new (or increase its current) compensation as a result of the rollover. If Wealth Teams Alliance provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), Wealth Teams Alliance is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by Registrant, whether it is from an employer’s plan or an existing IRA. Use of Mutual Funds and Exchange Traded Funds. While the Advisor may recommend allocating investment assets to mutual funds or exchange traded funds (“ETFs”) that are not available directly to the public, the Advisor may also recommend that clients allocate investment assets to publicly available mutual funds and ETFs that the client could obtain without engaging Advisor as an investment adviser. However, if a client or prospective client determines to allocate investment assets to publicly available mutual funds or ETFs without engaging Advisor as an investment adviser, the client or prospective client would not receive the benefit of Advisor’s initial and ongoing investment advisory services. Please Note – -Use of DFA Mutual Funds: Wealth Teams Alliance utilizes the mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved 9 | P a g e  by DFA. Thus, if the client was to terminate Registrant’s services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Sub-Advisory Engagements. Wealth Teams Alliance also serves as a sub-adviser to unaffiliated registered investment advisers per the terms and conditions of a written Sub-Advisory Agreement. The unaffiliated investment advisers that engage Registrant’s sub-advisory services shall maintain both the initial and ongoing day- to-day relationship with the underlying client, including initial and ongoing determination of client suitability for Registrant’s designated investment strategies. If the custodian/broker-dealer is determined by the unaffiliated investment adviser, Wealth Teams Alliance will be unable to negotiate commissions and/or transaction costs, and/or seek better execution. As a result, client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case through alternative clearing arrangements recommended by Registrant. Higher transaction costs adversely impact account performance. Wealth Teams Alliance provides sub-advisory services to its affiliate, Howard Financial. Custodian Charges-Additional Fees. As discussed below at Items 5 and 12 below, when requested to recommend a broker-dealer/custodian for client accounts, Advisor generally recommends that Charles Schwab and Co., Inc. (“Schwab”), AssetMark Trust or Axos Clearing, LLC (“Axos”) serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians do not currently charge fees on individual equity transactions [including ETFs], others do). These fees/charges are in addition to Advisor’s investment advisory fee at Item 5 below. Wealth Teams Alliance does not receive any portion of these fees/charges. Exception: To the extent that the Advisor executes transactions in conjunction with a wrap program and use of asset based pricing, transaction fees shall generally be included in the wrap advisory fee paid to the wrap program sponsor. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, Wealth Teams Alliance shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Wealth Teams Alliance reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account 10 | P a g e  and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account Please Note: The above does not apply to the cash component maintained within the Registrant’s actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of the Registrant’s unmanaged accounts. Cybersecurity Risk. The information technology systems and networks that Wealth Teams Alliance and its third- party service providers use to provide services to Registrant’s clients employ various controls that are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Registrant’s operations and/or result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Wealth Teams Alliance are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur financial losses and/or other adverse consequences. Although Wealth Teams Alliance has established processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Wealth Teams Alliance does not control the cybersecurity measures and policies employed by third-party service providers, issuers of securities, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchanges and other financial market operators and providers. Client Privacy and Confidentiality. Wealth Teams Alliance maintains policies and procedures designed to help protect the confidentiality and security of client nonpublic personal information (“NPPI”). NPPI includes, but is not limited to, social security numbers, credit or debit card numbers, state identification card numbers, driver’s license number and account numbers. Wealth Teams Alliance maintains administrative, technical, and physical safeguards designed to protect such information from unauthorized access, use, loss, or destruction. These safeguards include controls relating to data access, information security, and incident response, and are reviewed to address changes in risk and business. Client information may be disclosed in response to regulatory requests, legal obligations, or as otherwise permitted by law, and any such disclosure is made in accordance with applicable privacy and confidentiality requirements. Wealth Teams Alliance may engage non-affiliated service providers in connection with providing advisory services, and such providers may have access to client NPPI, as necessary, to perform their functions. The Wealth Teams Alliance confirms that service providers maintain safeguards designed to protect client information from unauthorized access or use and provide notice to the Wealth Teams Alliance in the event of a cybersecurity incident involving client information maintained by the service provider. While the Wealth Teams Alliance maintains policies and procedures designed to protect client information, such measures cannot eliminate all risk. The Wealth Teams Alliance will notify clients in the event of a data breach involving their NPPI as may be required by applicable state and federal laws. 11 | P a g e  Artificial Intelligence. Wealth Teams Alliance may use certain Artificial Intelligence (“AI”) tools in connection with its investment advisory services. Wealth Teams Alliance has adopted an AI Policy that governs the appropriate use of AI tools to ensure that Wealth Teams Alliance and its employees abide by their fiduciary duty and comply with all applicable regulations. AI tools are not used by Wealth Teams Alliance as a substitute for professional judgment by Wealth Teams Alliance or its employees, and all AI generated output is reviewed by the Wealth Teams Alliance for accuracy. All investment decisions and recommendations are made and approved by the Registrant. The use of AI tools does not guarantee the accuracy of analyses or the success of any investment strategy. Clients should not assume that reliance on AI tools results in better performance or reduces risk. AI tools involve limitations and risks that Wealth Teams Alliance monitors and manages. These risks include, but are not limited to, data security concerns, potential inaccuracies, and possible algorithmic biases. To mitigate these risks, Wealth Teams Alliance has implemented controls such as pre-approval requirements for AI tools, restrictions on providing nonpublic personal information to public AI systems, vendor due diligence, review of AI-generated materials, and employee training on appropriate AI usage. Trustee Directed Plans. Wealth Teams Alliance can be engaged to provide discretionary investment advisory services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan trustees. In such engagements, Wealth Teams Alliance will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Wealth Teams Alliance will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. . Wealth Teams Alliance can also provide non-discretionary investment advisory and consulting services to retirement plans per the terms and conditions of an investment advisory agreement between Wealth Teams Alliance and the plan. For such engagements, Wealth Teams Alliance shall assist the Plan sponsor with the selection of investments and monitor plan activity and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. Participant Directed Retirement Plans. Wealth Teams Alliance can also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between Wealth Teams Alliance and the plan. For such engagements, Wealth Teams Alliance shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by Registrant), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. Trust-Deed Investments/Ignite Funding. Wealth Teams Alliance provides advice and guidance with respect to Trust Deed real estate investments backed by collateral land investments. The investing client becomes a lender to real estate investment projects The real estate investment lending opportunities are made available by Ignite Funding. Ignite Funding is a non-depository credit union and licensed mortgage broker. Ignite Funding makes available collateralized turn-key real estate investments for its clients. To facilitate investment, Ignite Funding uses a strict underwriting process for real estate loan opportunities presented to clients, including 12 | P a g e  property location, market conditions, various valuation methodologies, Borrower track record and financial condition, and exit strategy. Trust Deeds carry certain risks. Trust deed investments are not insured by the FDIC or any other government agency. Moreover, investors have no guarantee that the investment will yield a positive return. Trust Deeds may also experience a market loss upon resale and general housing market risks. Credit Risks may also be presented where the borrower may be unable to make all payments. Wealth Teams Alliance is compensated in relation to the advice that it provides regarding the Trust Deed purchase and lending opportunity. Asset-Based Pricing Arrangements and Limitations. When recommending Axos, Wealth Teams Alliance generally recommends that clients enter into an “Asset-Based” pricing agreement with the account broker- dealer/custodian. Under an asset-based pricing arrangement, the amount that a client will pay the custodian for account commission/transaction fees is based upon a percentage (%) of the market value of the account, generally expressed in basis points and/or a percentage. One basis point is equal to one one-hundredth of one percent (1/100th of 1%, or 0.01% (0.0001). This differs from transaction-based pricing, which assesses a separate commission/transaction fee against the account for each account transaction. Account investment decisions are driven by security selection and anticipated market conditions and not the amount of transaction fees payable by you to the account custodian. Under either the asset-based or transaction-based pricing scenario, the fees charged by the respective broker-dealer/custodian are separate from, and in addition to, the advisory fee payable by the client to Wealth Teams Alliance per Item 5 below. Wealth Teams Alliance does not receive any portion of the asset-based transaction fees payable by you to the account custodian. You are under no obligation to enter into an asset-based arrangement, and, if you do, you can request at any time to switch from asset-based pricing to transactions based pricing, However, there can be no assurance that the volume of transactions will be consistent from year-to-year given changes in market events and security selection. Thus, given the variances in trading volume, any decision by the client to switch to transaction-based pricing could prove to be economically disadvantageous. Client Obligations. In performing its services, Advisor shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains their responsibility to promptly notify the Advisor if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Advisor’s previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Registrant) will be profitable or equal any specific performance level(s). Disclosure Statement. A copy of the Advisor’s written Brochure as set forth on Part 2 of Form ADV and Client Relationship Summary as set forth in Form CRS shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning and Consulting Agreement. 13 | P a g e  10 CCR Section 260.235.2 Disclosure We must state when a conflict exists between the interests of the investment advisor and the interests of the client. The client is under no obligation to act upon the investment advisor’s recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through the investment advisor. As of December 31, 2025, Wealth Teams Alliance had $223,889,000.00 in assets under management on a discretionary basis. Item 5: Fees and Compensation Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the investment advisory contract, the investment advisory contract may be terminated by the client within five (5) business days of signing the contract without incurring any advisory fees. How we are paid depends on the type of advisory service we are performing. Please review the fee and compensation information below. Please note, lower fees for comparable services may be available from other sources. Investment Supervisory Services Please note that certain legacy clients on our advisory platform may be subject to a slightly different fee schedule, however, in no case will the maximum annual advisory fee charged to any advisory client exceed the 1.5%. Investment Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior quarter. Investment advisory fees range from 0.60% to 1.10% annually based on assets under management. However, fees shall vary depending upon various objective and subjective factors, including but not limited to: the representative assigned to the account, the amount of assets to be invested, the complexity of the engagement, the anticipated number of meetings and servicing needs, related accounts, future earning capacity, anticipated future additional assets, and negotiations with the client. The advisory fee shall generally be increased if the client engagement includes financial planning services as part of their engagement. As a result, similar clients could pay different fees, which will correspondingly impact a client’s net account performance. Moreover, the services to be provided by the Wealth Teams Alliance to any particular client could be available from other advisers at lower fees. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. Before engaging Advisor to provide investment advisory services, clients are required to enter into a discretionary Investment Advisory Agreement, setting forth the terms and conditions of the engagement (including termination), which describes the fees and services to be provided. 14 | P a g e  Advisory fees are directly debited from client accounts, which is further explained in Item 15 of this brochure. Accounts initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the amount of time remaining in the billing period. An account may be terminated with written notice at least one month in advance. Upon termination of any account, any unearned fee will be refunded to the client. Wealth Teams Alliance does not make any fee adjustments for intra-period additions or withdrawals to or from managed accounts. Financial Planning Fee Financial Planning will generally be offered on a fixed fee basis. In special circumstances it may be offered on an hourly basis at a rate of $350.00 per hour, depending on the nature of the specified services. If hourly basis is chosen, an estimated fee will be provided with half of the estimate fee due upon signing the financial planning agreement, and the remainder due upon delivery of the financial plan. Fixed fees will be determined on a case by case basis with the fee based on the complexity of the situation and the needs of the client. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $1,500.00 and $5000.00. The fee is negotiable. If a fixed fee program is chosen, half of the fee is due at the beginning of process and the remainder is due at completion of work, however, Wealth Teams Alliance will not bill an amount above $500.00, more than 6 months in advance. In the event of termination before the delivery of the financial plan, the client will be billed at the rate of $350.00 per hour of work completed. If this is less than the half of the fee paid at the beginning of the processes, then the client will be issued a refund of unearned portion of the fee. If this is more, then the client will receive a final bill for earned but unpaid services. Advice regarding Real Estate Mortgages For this service, Clients are charged a 1% fee on their cumulative loans issued by Mortgage Lenders. This fee will be remitted to Wealth Teams Alliance by the investor in payment for advisory services. Clients will authorize this fee deduction and will receive an itemized invoice when billed. Other Types of Fees and Expenses Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions, fees, and costs. Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s transactions and determining the reasonableness of their compensation (e.g., commissions). In the event the client desires, the client can engage certain of representatives, in their individual capacities as 15 | P a g e  registered representatives of World Equities Group, to implement investment recommendations on a fully disclosed commission basis. Certain supervised persons of Wealth Teams Alliance are also associated with World Equities Group as broker- dealer registered representatives. In the event the client chooses to implement by purchasing investment products through Wealth Teams Alliance’s representatives, in their individual capacities as registered representatives of World Equities Group, brokerage commissions will be charged by World Equities Group to effect securities transactions, a portion of which commissions shall be paid by World Equities Group to Wealth Teams Alliance’s representatives. Prior to effecting any transactions, the client will be required to enter into a new account agreement with World Equities Group. The brokerage commissions charged by World Equities Group may be higher or lower than those charged by other broker-dealers. In addition to brokerage commissions, the client may incur, relative to all mutual fund purchases, charges imposed at the mutual fund level (i.e. advisory fees, 12(b)-1 distribution charges, and other fund expenses). World Equities Group, relative to commission mutual fund purchases, may also receive additional ongoing 12(b)-1 trailing commission compensation directly from the mutual fund company during the period that the client maintains the mutual fund investment. Our advisory representatives do not receive 12(b)-1 fees in their role as registered representatives. Conflict of Interest: The recommendation by certain of Wealth Teams Alliance’s representatives that a client purchase a securities commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions received, rather than on a particular client’s need. No client is under any obligation to purchase any commission products from Wealth Teams Alliance’s representatives. Clients are reminded that they may purchase securities recommended by Wealth Teams Alliance through other, non- affiliated broker-dealers. Please Note: Clients may purchase investment products recommended by Wealth Teams Alliance through other, non-affiliated broker-dealers or agents. However, when purchasing these securities and investment products away from Wealth Teams Alliance, you will not receive the benefit of the advice and other services we provide. Wealth Teams Alliance does not receive more than 50% of its revenue from advisory clients as a result of commissions or other compensation for the sale of investment products Wealth Teams Alliance recommends to its clients. When Wealth Teams Alliance’s representatives sell an investment product on a commission basis, Wealth Teams Alliance does not charge an advisory fee in addition to the commissions paid by the client for such product. When providing services on an advisory fee basis, Registrant’s representatives do not also receive commission compensation for such advisory services. However, a client may engage Wealth Teams Alliance to provide investment management services on an advisory fee basis and separate from such advisory services purchase an investment product from Wealth Teams Alliance’s representatives on a separate commission basis. Item 6: Performance-Based Fees and Side-By- Side 16 | P a g e  Management We do not offer performance-based fees. Item 7: Types of Clients We provide portfolio management services to individuals and high net worth individuals. We do not have a minimum account size or advisory fee requirement. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Wealth Teams Alliance may utilize the following methods of security analysis: • Fundamental - (analysis performed on historical and present data, with the goal of making financial forecasts) Wealth Teams Alliance may utilize the following investment strategies when implementing investment advice given to clients: Technical Analysis. • Long Term Purchases (securities held at least a year) • Short Term Purchases (securities sold within a year) Investment Risk. Investing in securities involves risk of loss that clients should be prepared to bear. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by the Registrant) will be profitable or equal any specific performance level(s). Investors generally face the following types of investment risks: • 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 values to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk may be caused by external factors independent of the fund’s specific investments as well as due to the fund’s specific investments. Additionally, each security’s price will fluctuate based on market movement and emotion, which may, or may not be due to the security’s operations or changes in its true value. For example, political, economic and social conditions may trigger market events which are temporarily negative, or temporarily positive. • Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, 17 | P a g e  because purchasing power is eroding at the rate of inflation. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). This primarily relates to fixed income securities. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Our primary method of investment analysis is technical analysis. Technical analysis involves using chart patterns, momentum, volume, and relative strength in an effort to pick sectors that may outperform market indices. However, there is no assurance of accurate forecasts or that trends will develop in the markets we follow. In the past, there have been periods without discernible trends and similar periods will presumably occur in the future. Even where major trends develop, outside factors like government intervention could potentially shorten them. Furthermore, one limitation of technical analysis is that it requires price movement data, which can translate into price trends sufficient to dictate a market entry or exit decision. In a trendless or erratic market, a technical method may fail to identify trends requiring action. In addition, technical methods may overreact to minor price movements, establishing positions contrary to overall price trends, which may result in losses. Finally, a technical trading method may underperform other trading methods when fundamental factors dominate price moves within a given market. Wealth Teams Alliance’s methods of analysis and investment strategies do not present any significant or unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate market analysis, Wealth Teams Alliance must have access to current/new market information. Wealth Teams Alliance has no control over the dissemination rate of market information; therefore, unbeknownst to Wealth Teams Alliance, certain analyses may be compiled with outdated market information, severely limiting the value of the Registrant’s analysis. Furthermore, an accurate market analysis can only produce a forecast of the direction of market values. There can be no assurances that a forecasted change in market value will materialize into actionable and/or profitable investment opportunities. Wealth Teams Alliance’s primary investment strategies - Long Term Purchases and Short Term Purchases are fundamental investment strategies. However, every investment strategy has its own inherent risks and limitations. For example, longer term investment strategies require a longer investment time period to allow 18 | P a g e  for the strategy to potentially develop. Shorter term investment strategies require a shorter investment time period to potentially develop but, as a result of more frequent trading, may incur higher transactional costs when compared to a longer term investment strategy. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities and any other investment or security. Material risks associated with our investment strategies are listed below. Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the operational success of the issuer’s operations or its financial condition. Strategy Risk: The Adviser’s investment strategies and/or investment techniques may not work as intended. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Under certain market conditions we may be unable to sell or liquidate investments at prices we consider reasonable or favorable, or find buyers at any price. Concentration Risk: Certain investment strategies focus on particular asset-classes, industries, sectors or types of investment. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Trust Deed and First-Priority Lien Investments are investments in collateralized loans secured by real estate. Most are relatively short term loans (maturity under 5 years). These securities are not liquid and investors generally will not receive their investment back until the borrower pays off the loan, or in case of default, the real estate has been foreclosed and the underlying property sold. Exchange Traded Funds prices may vary significantly from the Net Asset Value due to market conditions. Certain Exchange Traded Funds may not track underlying benchmarks as expected. 19 | P a g e  Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic environment could have an adverse effect on the price of all stocks. Item 9: Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Wealth Teams Alliance or the integrity of our management. We have no information applicable to this Item. Item 10: Other Financial Industry Activities and Affiliations No Wealth Teams Alliance employee is registered, or have an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. Disclosure of Material Conflicts. All material conflicts of interest under CCR Section 260.238(k) are disclosed regarding Wealth Teams Alliance, its representatives or any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. Registered Representatives of World Equity Group. As disclosed above in Item 5.E, certain of Wealth Teams Alliance’s representatives are registered representatives of World Equity Group. World Equity Group is a broker- dealer that is independently owned and operated and is not affiliated with Wealth Teams Alliance. Licensed Insurance Agency/Agents. Wealth Teams Alliance is affiliated with two insurance agencies, as indicated above at Item 4. Furthermore, certain of the Registrant’s representatives, in their individual capacities, are licensed insurance agents. Wealth Teams Alliance and/or its representatives may recommend the purchase of certain insurance-related products on a commission basis. As referenced in Item 4.B above, clients can engage certain of Registrant’s representatives to purchase insurance products on a commission basis. Conflict of Interest: The recommendation by Wealth Teams Alliance’s representatives that a client purchase a securities or insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions received, rather than on a particular client’s need. No client is under any obligation to purchase any commission products from Wealth Teams Alliance’s representatives. Clients are reminded that they may purchase securities or insurance products recommended by Wealth Teams Alliance through other, non-affiliated insurance agents or broker-dealers. Investment Adviser Representative of other Investment Advisers. Certain of the Registrant’s members are also registered with Howard Financial (CRD # 155323), an unaffiliated state -registered investment advisor firm and 20 | P a g e  SFI Advisors, LLC (CRD # 287929/SEC # 801-110293), an SEC-registered investment adviser. Neither investment adviser is not involved in providing investment advice on behalf of Wealth Teams Alliance , nor does either firm hold itself out as providing advisory services on behalf of Wealth Teams Alliance. No client of Wealth Teams Alliance is under any obligation to use the services of Howard Financial or SFI Advisors, LLC. Conflict of Interest: The recommendation by of Wealth Teams Alliance that a client engage either firm, or any of Wealth Teams Alliance representative, in their capacity as an investment adviser representatives of either firm, presents a conflict of interest, as the Wealth Teams Alliance representative could have the incentive to make such a recommendation based on funds received, rather than on a particular client’s need. No client is under any obligation to engage SFI Advisors, LLC or Howard Financial. Recommendations or Selections of Other Investment Advisers. Wealth Teams Alliance only receives compensation directly from clients. We do not receive compensation from any outside source. We do not have any material conflicts of interest with any outside party requiring disclosure in this section. Wealth Teams does not receive, directly or indirectly, compensation from investment advisors that it recommends or selects for its clients. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading We have adopted a Code of Ethics for all supervised persons of the firm describing its high standard of business conduct, and fiduciary duty to its clients. The Code of Ethics includes provisions relating to the confidentiality of client information, a prohibition on insider trading, a prohibition on rumor mongering, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All members of the firm must acknowledge the terms of the Code of Ethics annually, or as amended. All our employees are required to follow our Code of Ethics which places the interests of advisory clients first. The Code of Ethics is designed to assure that the personal securities transactions, activities and interests of our employees will not interfere with making decisions in the best interest of advisory clients. Under the Code certain classes of securities have been designated as exempt transactions, based upon a determination that these would not materially interfere with the best interest our clients. In addition, the Code requires pre- clearance of many transactions, and restricts trading in close proximity to client trading activity. Employee trading is continually monitored under the Code of Ethics, and to reasonably prevent conflicts of interest between our firm and its clients. Wealth Teams Alliance and/or representatives of the Wealth Teams Alliance may buy or sell securities that are also recommended to clients. This practice may create a situation where the Wealth Teams Alliance and/or representatives of the Wealth Teams Alliance are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest. Practices such as “scalping” (i.e., a practice whereby the owner of shares of a security recommends that security for investment and then 21 | P a g e  immediately sells it at a profit upon the rise in the market price which follows the recommendation) could take place if Wealth Teams Alliance did not have adequate policies in place to detect such activities. In addition, this requirement can help detect insider trading, “front-running” (i.e., personal trades executed prior to those of the Registrant’s clients) and other potentially abusive practices. Wealth Teams Alliance has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of the Registrant’s “Access Persons”. The Registrant’s securities transaction policy requires that an Access Person of the Wealth Teams Alliance must provide the Chief Compliance Officer or his/her designee with a written report of their current securities holdings within ten (10) days after becoming an Access Person. Additionally, each Access Person must provide the Chief Compliance Officer or his/her designee with a written report of the Access Person’s current securities holdings at least once each twelve (12) month period thereafter on a date Wealth Teams Alliance selects; provided, however that at any time that Wealth Teams Alliance has only one Access Person, he or she shall not be required to submit any securities report described above. Wealth Teams Alliance and/or representatives of Wealth Teams Alliance may buy or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where Wealth Teams Alliance and/or representatives of Wealth Teams Alliance are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest Wealth Teams Alliance has a personal securities transaction policy in place to monitor the personal securities transaction and securities holdings of each of Registrant’s Access Persons. It is our policy that the firm will not affect any principal or agency cross securities transactions for client accounts. We will also not cross trades between client accounts. Our clients or prospective clients may request a copy of the firm's Code of Ethics by contacting Gary Million at the phone number listed on the cover of this brochure. Item 12: Brokerage Practices Factors Used to Select Custodians and/or Broker/Dealers Wealth Teams Alliance does not have any affiliation with custodians and/or Broker/Dealers. Specific custodian recommendations are made to client based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. In the event that the client requests that the Advisor recommend a broker-dealer/custodian for execution and/or custodial services (exclusive of those clients that may direct the Advisor to use a specific broker- dealer/custodian), Advisor generally recommends that investment management accounts be maintained at Schwab, AssetMark Trust or Axos. Prior to engaging Advisor to provide investment management services, the client will be required to enter into a formal Investment Advisory Agreement with Advisor setting forth the 22 | P a g e  terms and conditions under which Advisor shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/ custodian. Factors that the Advisor considers in recommending Schwab, AssetMark Trust or Axos (or any other broker- dealer/custodian to clients) include historical relationship with the Advisor, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by Advisor's clients shall comply with the Advisor's duty to seek best execution, a client may pay a commission that is higher than another qualified broker-dealer might charge to effect the same transaction where the Advisor determines, in good faith, that the commission/transaction fee is reasonable. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of broker-dealer services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although Advisor will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client account transactions. The brokerage commissions or transaction fees charged by the designated broker- dealer/custodian are exclusive of, and in addition to, Advisor's investment management fee. The Advisor’s best execution responsibility is qualified if securities that it purchases for client accounts are mutual funds that trade at net asset value as determined at the daily market close. Research and Additional Benefits Although not a material consideration when determining whether to recommend that a client utilize the services of a particular broker-dealer/custodian, Advisor receives from Schwab, AssetMark Trust or Axos (or another broker-dealer/custodian, investment platform, unaffiliated investment manager, vendor, unaffiliated product/fund sponsor, or vendor) without cost (and/or at a discount) support services and/or products, certain of which assist the Advisor to better monitor and service client accounts maintained at such institutions. Included within the support services that may be obtained by the Advisor may be investment-related research, pricing information and market data, software and other technology that provide access to client account data, compliance and/or practice management-related publications, discounted or gratis consulting services, discounted and/or gratis attendance at conferences, meetings, and other educational and/or social events, marketing support, computer hardware and/or software and/or other products used by Advisor in furtherance of its investment advisory business operations. As indicated above, certain of the support services and/or products that may be received may assist the Advisor in managing and administering client accounts. Others do not directly provide such assistance, but rather assist the Advisor to manage and further develop its business enterprise. There is no corresponding commitment made by the Advisor to Schwab, AssetMark Trust or Axos or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as a result of the above arrangement. The Advisor does not receive referrals from broker-dealers. Clients Directing Which Broker/Dealer/Custodian to Use. We do recommend a specific custodian for clients to use, however, clients may custody their assets at a custodian of their choice. Clients may also direct us to use a specific broker-dealer to execute transactions. By allowing clients to choose a specific custodian, we may be 23 | P a g e  unable to achieve most favorable execution of client transactions and this may cost clients money over using a lower-cost custodian. Aggregating (Block) Trading for Multiple Client Accounts To the extent that Wealth Teams Alliance provides investment management services to its clients, the transactions for each client account generally will be effected independently, unless Wealth Teams Alliance decides to purchase or sell the same securities for several clients at approximately the same time. Wealth Teams Alliance may (but is not obligated to) combine or “bunch” such orders to seek best execution, to negotiate more favorable commission rates or to allocate equitably among the Registrant’s clients differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among clients in proportion to the purchase and sale orders placed for each client account on any given day. Wealth Teams Alliance shall not receive any additional compensation or remuneration as a result of such aggregation. Item 13: Review of Accounts Client accounts with the Investment Management Service will be reviewed regularly on a quarterly basis by Guy Baker, Managing Member. The account is reviewed with regards to the client’s investment policies and risk tolerance levels. Events that may trigger a special review would be unusual performance, addition or deletions of client imposed restrictions, excessive draw-down, volatility in performance, or buy and sell decisions from the firm or per client's needs. Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in the accounts, such as receipt of dividends and interest. Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in the accounts, such as receipt of dividends and interest. Wealth Teams Alliance will not provide written reports to the client. Item 14: Client Referrals and Other Compensation As referenced in Item 12above, Wealth Teams Alliance receives indirect economic benefits from AssetMark Trust, Schwab, or Axos. The Registrant, without cost (and/or at a discount), may receive support services and/or products from AssetMark Trust, Schwab, or Axos. There is no corresponding commitment made by Wealth Teams Alliance to LPL or any other entity to invest any 24 | P a g e  specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as a result of the above arrangement. Wealth Teams Alliance engages promoters to introduce new prospective clients to Wealth Teams Alliance consistent with the Investment Advisers Act of 1940, its corresponding. Rules, and applicable state regulatory requirements. If the prospect subsequently engages the Registrant, the promoter shall generally be compensated by Wealth Teams Alliance for the introduction. Because the promoter has an economic incentive to introduce the prospect to the Registrant, a conflict of interest is presented. The promoter’s introduction shall not result in the prospect’s payment of a higher investment advisory fee to Wealth Teams Alliance (i.e., if the prospect was to engage Wealth Teams Alliance independent of the promoter’s introduction). The promoter, at the time of the introduction, shall usually provide the prospective client with a written disclosure statement reflecting the arrangement with Wealth Teams Alliance, together with a copy of: (1) Wealth Teams Alliance’s written disclosure Brochure and (2) Form CRS (if the prospect is a retail client). Item 15: Custody Wealth Teams Alliance does not accept custody of client funds other than the direct fee debit from client accounts. Clients should receive at least quarterly statements from the broker dealer, bank or other qualified custodian that holds and maintains client's investment assets, which they should carefully review. For client account in which Wealth Teams Alliance directly debits their advisory fee: i. Wealth Teams Alliance will send a copy of its invoice to the custodian at the same time that it sends the ii. iii. client a copy. The custodian will send at least quarterly statements to the client showing all disbursements for the account, including the amount of the advisory fee. The client will provide written authorization to Wealth Teams Alliance, permitting them to be paid directly for their accounts held by the custodian. Client assets are maintained by an unaffiliated, qualified custodian, such as a bank, broker/dealer, mutual fund companies or transfer agent. Client assets are not held by Wealth Teams Alliance or any associate of Wealth Teams Alliance. Adviser does not accept or maintain custody of any Client accounts, except for the authorized deduction of the Advisor’s fees. All Clients must place their assets with a “qualified custodian.” Clients are required to engage the Custodian to retain their funds and securities and direct Adviser to utilize a Custodian for the Client’s security transactions. Clients should review statements provided by the Custodian and compare to any reports provided by Adviser to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. If the Client gives the Advisor authority to move money from one account to another account, the Advisor may 25 | P a g e  have custody of those assets. In order to avoid additional regulatory requirements, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. The account custodian does not verify the accuracy of the Advisor’s advisory fee calculation. Custody Situations: The Advisor engages in other practices and/or services on behalf of its clients that require disclosure at ADV Part 1, Item 9, but which practices and/or services are not subject to an annual surprise CPA examination in accordance with the guidance provided in the SEC’s February 21, 2017 Investment Adviser Association No- Action Letter. Item 16: Investment Discretion For those client accounts where we provide ongoing money management or investment advice with ongoing supervision, we require investment discretion and maintain limited power of authority over client accounts with respect to securities to be bought and sold and the amount of securities to be bought and sold. Investment discretion is explained to clients in detail when an advisory relationship has commenced. At the start of the advisory relationship, the client will execute a Limited Power of Attorney which will grant our firm discretion over the account. Additionally, the discretionary relationship will be outlined in the advisory contract and signed by the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors in the advisory contract. Item 17: Voting Client Securities We do not vote Client proxies. Therefore, Clients maintain exclusive responsibility for: (1) voting proxies, and (2) acting on corporate actions pertaining to the Client’s investment assets. The Client shall instruct the Client’s qualified custodian to forward to the Client copies of all proxies and shareholder communications relating to the Client’s investment assets. If the client would like our opinion on a particular proxy vote, they may contact us at the number listed on the cover of this brochure. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. Item 18: Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. 26 | P a g e  We do not have custody of client funds or securities or require or solicit prepayment of more than $1200 in fees per client six months in advance. 27 | P a g e 

Item 1 – Cover Page 15520 Rockfield, Blvd., Suite G Irvine, CA 92618 Form ADV Part 2A – Appendix 1 Wrap Fee Program Brochure 877-282-4768 Dated: March 31, 2026 CRD # 168907/SEC#:801-122977 This Wrap Fee Program Brochure (“Brochure”) provides information about Wealth Teams Alliance, Inc.’s (“Wealth Teams Alliance,” or the “Advisor” ”) wrap fee program, qualifications, and business practices. This Wrap Fee Program Brochure shall always be accompanied by the Wealth Teams Alliance Disclosure Brochure, which provides complete details on the business practices of the Firm. If you did not receive the complete Wealth Teams Disclosure Brochure or you have any questions about the contents of this Brochure, please contact us at 877-282-4768 and/or email us at info@Wealth-Teams.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Wealth Teams Alliance is a registered investment adviser. Registration of an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser. information about Wealth Teams Alliance is also available on the SEC’s website at Additional www.adviserinfo.sec.gov.  Item 2 – Material Changes This Wrap Fee Brochure (the “Brochure”) provides you with a summary of Wealth Teams Alliance, Inc.’s wrap fee program, business practices, and potential conflicts of interest. This Item is used to provide our clients with a summary of new and/or updated information; we will inform of the revision(s) based on the nature of the information as follows. There have been no material updates since our last filing. From time to time, we may amend this Wrap Fee Program Brochure to reflect changes in our business practices, changes in regulations and routine annual updates as required by the securities regulators. This complete Wrap Fee Program Brochure (along with the complete ADV Part 2A Disclosure Brochure) or a Summary of Material Changes shall be provided to each Client annually and if a material change occurs in the business practices of Wealth Teams Alliance. Wealth Teams Alliance will provide you with a new Brochure as necessary based on changes or new information, at any time, without charge. Additional copies of this Brochure may be requested by contacting info@Wealth-Teams.com. The Brochure is also available on our website, www.wealth-teams.com, free of charge. Information about Wealth Teams Alliance, Inc. is available via the SEC’s website www.adviserinfo.sec.gov. The SEC’s web site also provides information about any persons affiliated with Wealth Teams Alliance who are registered, or are required to be registered, as investment adviser representatives of Wealth Teams Alliance.  Item 3 – Table of Contents Item 1 – Cover Page ........................................................................................................................................................................ 1 Item 2 – Material Changes .............................................................................................................................................................. 2 Item 3 – Table of Contents ............................................................................................................................................................. 3 Item 4 – Services, Fees and Compensation .................................................................................................................................... 4 Item 5 – Account Requirements and Types of Clients .................................................................................................................... 9 Item 6 – Portfolio Manager Selection and Evaluation .................................................................................................................. 10 Item 7 – Client Information Provided to Portfolio Managers ....................................................................................................... 14 Item 8 – Client Contact with Portfolio Managers ......................................................................................................................... 15 Item 9 – Additional Information ................................................................................................................................................... 15  Item 4 – Services, Fees and Compensation Wealth Teams Alliance, Inc. is registered with the Securities and Exchange Commission as an Investment Adviser as of January 3, 2022. We were founded in December of 2012. Guy Baker is the principal owner of Wealth Teams Alliance, Inc. On January 15, 2021, the Wealth Teams Alliance, previous known as Oak Grove, LLC converted to a California corporation and then changed its name to Wealth Teams Alliance, Inc. on January 15, 2022. As of December 31, 2022, Timothy Latimer, Benjamin Langhofer, Shannon Jason Black and Michael Taylor also maintain ownership shares of Wealth Teams Alliance, Inc. Gary Million is Wealth Teams Alliance’s Chief Compliance Officer. Services As discussed below, Wealth Teams Alliance provides customized investment advisory services for its Clients and, to the extent specifically requested by a client, financial planning and related consulting services. This Wrap Fee Program Brochure is provided as a supplement to the Wealth Teams Alliance Form ADV 2A (“Disclosure Brochure”). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting Wealth Teams Alliance as your investment advisor. As part of the investment advisory fees noted in Item 5 – Fees and Compensation of the Disclosure Brochure, Wealth Teams Alliance includes normal securities transaction fees as part of the overall investment advisory fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program.” Wealth Teams Alliance sponsors the Wealth Teams Alliance Wrap Fee Program. Please Note: Wealth Teams Alliance believes that it is important for the client to address financial planning issues on an ongoing basis. Wealth Teams Alliance’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with Wealth Teams Alliance. The sole purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating the combination of securities transaction fees into the single “bundled” investment advisory fee. This Wrap Fee Program Brochure references back to the Wealth Teams Alliance Disclosure Brochure in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on Wealth Teams Alliance’s investment philosophy and related services. Wealth Teams Alliance sponsors the Wealth Teams Alliance Wrap Program (the “Program”) through which it offers discretionary or non-discretionary investment management services on a wrap fee basis. Under the Program, Wealth Teams Alliance is able to offer participants discretionary or non-discretionary investment management services, for a single specified annual Program fee, inclusive of trade execution, custody, reporting, account maintenance, investment management fees, and in some instances, fees charged by independent managers and/or separately managed accounts. However, clients may be responsible for, but not limited to, fees for trades executed away from the account’s custodian, trustee fees, mutual fund internal expenses, ETF internal expenses, mark-ups, mark-downs, transfer  taxes, fees charged by independent managers and/or separately managed accounts (when such managers require the client to enter into a dual contract relationship) odd lot differentials, exchange fees, interest charges, American Depository Receipt agency processing fees, and any charges, taxes or other fees mandated by any federal, state or other applicable law or otherwise agreed to with regard to client accounts (Such fees are in addition to any fees paid by the client to Wealth Teams Alliance and are between the client and the account custodian). Furthermore, clients who maintain a retirement account with their custodian are generally charged an annual maintenance fee. Clients are charged approximately per year to maintain a retirement account with their plan custodian. These fees are in addition to Wealth Teams Alliance’s Program fee. The current annual Program fee ranges from 0.60% to 1.10%, based upon various objective and subjective factors, including but not limited to: the representative assigned to the account, the amount of assets to be invested, the complexity of the engagement, the anticipated number of meetings and servicing needs, related accounts, future earning capacity, anticipated future additional assets, householding of accounts at Wealth Teams Alliance’s discretion and negotiations with the client. As a result, Wealth Teams Alliance’s clients could pay diverse fees based upon the market value of their assets, the complexity of the engagement, and the level and scope of the overall investment advisory services to be rendered. As a result of these factors, the services to be provided by Wealth Teams Alliance to any particular client could be available from other advisers at lower fees. All clients and prospective clients should be guided accordingly. Under the Program, Wealth Teams Alliance, if engaged on a discretionary basis, shall be provided with written authority to determine which securities and the amounts of securities that are bought or sold. Any limitations on this discretionary authority shall be included in the written agreement between each client and Wealth Teams Alliance. Clients may change/amend these limitations, in writing, at any time. Participation in the Program may cost more or less than purchasing such services separately. When managing an account on a wrap fee basis, Wealth Teams Alliance shall receive as payment for its asset management services, the balance of the wrap fee after all other non-excluded costs (including account transaction fees) incorporated into the wrap fee have been deducted. The Program fee charged by Wealth Teams Alliance for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. Wrap Program-Conflict of Interest. Under Wealth Teams Alliance’s wrap program, the client generally receives investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. When managing a client’s account on a wrap fee basis, Wealth Teams Alliance shall receive as payment for its investment advisory services, the balance of the wrap fee after all other costs incorporated into the wrap fee have been deducted. Because wrap program transaction fees and/or commissions are being paid by Wealth Teams Alliance to the account custodian/broker-dealer, Wealth Teams Alliance has an economic incentive to maximize its compensation by seeking to minimize the number of trades in the client's account. Under the Program, Wealth Teams Alliance shall be provided with written authority to determine which securities and the amounts of securities that are bought or sold. Any limitations on this authority shall be included in the written agreement between each client and Wealth Teams  Alliance. Clients may change/amend these limitations, in writing, at any time. The client shall have reasonable access to one of Wealth Teams Alliance’s investment professionals to discuss their account. Wealth Teams Alliance does not have any affiliation with custodians and/or Broker/Dealers. Specific custodian recommendations are made to client based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. Fee Calculation: The fee charged is calculated as described above and is not charged on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an advisory client. Fee Payment. Clients will be charged in advance at the beginning of each calendar quarter based upon the value (market value or fair market value in the absence of market value, plus any credit balance or minus any debit balance), of the client's account, including accrued interest and dividends, at the end of the previous quarter. Clients authorize Wealth Teams Alliance to directly debit its advisory fee by executing an Investment Management Agreement. Wealth Teams Alliance shall send to the client's Custodian written notice of the amount of Wealth Teams Alliance's advisory fee to be deducted, on a quarterly basis, from the client's account. Fee Dispersion: Wealth Teams Alliance shall receive an investment advisory fee based upon a percentage (%) of the market value of the assets placed under management (range is negotiable to a maximum of 1.10%). However, fees shall vary depending upon various objective and subjective factors, including but not limited to: the representative assigned to the account, the amount of assets to be invested, the complexity of the engagement, the anticipated number of meetings and servicing needs, related accounts, future earning capacity, anticipated future additional assets, and negotiations with the client. As a result, similar clients could pay different fees, which will correspondingly impact a client’s net account performance. Moreover, the services to be provided by Wealth Teams Alliance to any particular client could be available from other advisers at lower fees. All clients and prospective clients should be guided accordingly. Since Wealth Teams Alliance’s representative shall receive a portion of the advisory fee charged to the client, a material conflict of interest arises, because an increase in the management fee paid by the client may result in increased compensation received by Wealth Teams Alliance ’s representative. Wealth Teams Alliance’s Chief Compliance Officer, Gary Million, remains available to address any questions that a client or prospective client may have regarding the above fee disparity, impact on account performance, and conflict of interest. Termination of Advisory Relationship. A client agreement may be canceled at any time, by either party, for any reason upon receipt of prior written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. We reserve the right to terminate any engagement where a client has willfully concealed or has refused to provide pertinent information about his/her financial situation when necessary and appropriate, in our judgment, to providing proper advice Investment Performance. As a condition to participating in the Program, the participant must accept that past performance may not be indicative of future results and understand that the future performance of any specific  investment or investment strategy (including the investments and/or investment strategies purchased and/or undertaken by Wealth Teams Alliance) may not: (1) achieve their intended objective; (2) be profitable; or (3) equal historical performance level(s) or any other performance level(s). Client Responsibilities. In performing any of its services, Wealth Teams Alliance shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Furthermore, unless the client indicates to the contrary, Wealth Teams Alliance shall assume that there are no restrictions on its services, other than to manage the account in accordance with the client’s designated investment objective. Moreover, it remains each client’s responsibility to promptly notify Wealth Teams Alliance if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Wealth Teams Alliance’s previous recommendations and/or services. Expenses / Other Fees: Our fees are inclusive of brokerage commissions, transaction fees, and other related costs and expenses that shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers and other third parties, such as custodial fees, deferred sales charges, or wire transfer or electronic transfer fees. Custodians may charge transaction fees on purchases or sales of certain no-load mutual funds and exchange-traded funds, as well as fees for trades executed away from the custodian. These transaction charges are usually small and incidental to the purchase or sale of a security. Mutual funds generally charge an internal management fee (expense ratio), which is disclosed in the fund’s prospectus. Wealth Teams Alliance does not receive any portion of these commissions, fees and costs. Clients may also incur additional fees while working with their other professional advisors (e.g., attorneys, accountants, etc.). Please Note: Clients who engage Wealth Teams Alliance on a wrap fee basis will not incur brokerage commissions and/or transaction or asset based custodial fees in addition to the Program fee. Asset-Based Pricing Arrangements and Limitations. When recommending Axos, Wealth Teams Alliance generally recommends that clients enter into an “Asset-Based” pricing agreement with the account broker- dealer/custodian. Under an asset-based pricing arrangement, the amount that a client will pay the custodian for account commission/transaction fees is based upon a percentage (%) of the market value of the account, generally expressed in basis points and/or a percentage. One basis point is equal to one one-hundredth of one percent (1/100th of 1%, or 0.01% (0.0001). This differs from transaction-based pricing, which assesses a separate commission/transaction fee against the account for each account transaction. Account investment decisions are driven by security selection and anticipated market conditions and not the amount of transaction fees payable by you to the account custodian. Under either the asset-based or transaction-based pricing scenario, the fees charged by the respective broker-dealer/custodian are separate from, and in addition to, the advisory fee payable by the client to Wealth Teams Alliance per Item 5 below. Wealth Teams Alliance does not receive any portion of the asset- based transaction fees payable by you to the account custodian. You are under no obligation to enter into an asset- based arrangement, and, if you do, you can request at any time to switch from asset based pricing to transactions based pricing, However, there can be no assurance that the volume of transactions will be consistent from year-to- year given changes in market events and security selection. Thus, given the variances in trading volume, any decision by the client to switch to transaction-based pricing could prove to be economically disadvantageous.  Program Costs Advisory services provided by Wealth Teams Alliance are offered in a Wrap Fee Program structure whereby normal securities transaction costs are included in the overall investment advisory fee paid to Wealth Teams Alliance. As the level of trading in a Client’s account[s] may vary from year to year, the annual cost to the Client may be more or less than engaging for advisory services where the transactions costs are borne separately by the Client. The cost of the Wrap Fee Program varies depending on services to be provided to each Client, however, the Client is not charged more if there is higher trading activity in the Client’s account[s]. A Wrap Fee Program structure has a conflict of interest as Wealth Teams Alliance has an incentive to limit the number of trades placed in the Client’s account[s] or to utilize mutual funds, ETFs and equities that have no transaction fee in order to lower overall costs to Wealth Teams Alliance. Wealth Teams Alliance will seek to select the lowest cost share class available that is in the best interest of each Client and will ensure the selection aligns with the Client’s financial objectives and state investment guidelines. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. Fees Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Investment advisory fees range from 0.60% to 1.10% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with Wealth Teams Alliance. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. Wealth Teams Alliance, in its sole discretion, may charge a lesser investment management fee based upon certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations with client, etc.). The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of Wealth Teams Alliance. The Client’s fees will take into consideration the aggregate assets under management with Wealth Teams Alliance. All securities held in accounts managed by Wealth Teams Alliance will be independently valued by the Custodian. Wealth Teams Alliance will not have the authority or responsibility to value portfolio securities. The Client may make additions or withdrawals from the account[s] at any time, subject to Wealth Teams Alliance’s right to terminate an account or the overall relationship. Additions may be in cash or securities provided that Wealth Teams Alliance reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Wealth Teams Alliance, subject to the usual and customary securities settlement procedures. However, Wealth Teams Alliance typically designs its investment portfolios as long-term investments and the withdrawal of assets may impair the achievement of a Client’s investment objectives. If assets in excess of $25,000 are deposited into or withdrawn from the Client’s account[s], Wealth Teams Alliance’s fee will be adjusted during the next billing period to reflect the fee difference.  Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s] which are not included as part of the Wrap Fee Program. All fees paid to Wealth Teams Alliance for investment advisory services or part of the Wrap Fee Program Brochure are separate and distinct from the expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. Additionally, account activity fees, such as electronic funds and wire transfers fees, certificate delivery fees, markups and markdowns, bid-ask spreads, selling concessions, and other miscellaneous fees and expenses as outlined in the account opening paperwork executed with the Custodian, are generally charged to the Client. Finally, securities transaction fees for Client-directed trades may be charged back to the Client. Wealth Teams Alliance does not control nor share in these fees. The Client should review the fees charged by the fund[s], third parties and the fees charged by Wealth Teams Alliance to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses of the Disclosure Brochure. Compensation Wealth Teams Alliance is the sponsor and portfolio manager of this Wrap Fee Program Brochure. Wealth Teams Alliance receives investment advisory fees paid by Clients for participating in the Wrap Fee Program Brochure and pays the Custodian for the costs associated with the normal trading activity in the Client’s account[s]. Clients and prospective clients should also review the information contained in Item 4 and Item 5 in our Form ADV Part 2A for information that impacts their relationship with Wealth Teams Alliance. Item 5 – Account Requirements and Types of Clients Wealth Teams Alliance offers investment advisory services to individuals and high net worth individuals. Wealth Teams Alliance generally does not impose a minimum account size or advisory fee requirement for establishing a relationship. Please see Item 7 – Types of Clients of the Disclosure Brochure for additional information. Wealth Teams Alliance, in its sole discretion, may reduce its investment management fee based upon certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations with client, etc.).  Item 6 – Portfolio Manager Selection and Evaluation Portfolio Manager Selection Wealth Teams Alliance serves as sponsor and as portfolio manager for the services under this Wrap Fee Program Brochure. Wealth Teams Alliance also serves as the sponsor in conjunction with Independent Managers for the Wrap Fee Program. Wealth Teams Alliance may recommend that a Client utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. Wealth Teams Alliance may also assist in the development of the initial policy recommendations and managing the ongoing Client relationship. Wealth Teams Alliance will perform initial and ongoing oversight and due diligence over the selected Independent Managers to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Related Persons Wealth Teams Alliance personnel serve as portfolio managers for this Wrap Fee Program Brochure. Wealth Teams Alliance does not serve as a portfolio manager for any third-party wrap fee programs. Performance-Based Fees Wealth Teams Alliance does not charge performance-based fees. Supervised Persons Wealth Teams Alliance Advisory Persons serve as portfolio managers for certain accounts, including the services described in this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4 – Advisory Services of the Disclosure Brochure. Methods of Analysis Please see Item 8.A – Methods of Analysis of the Disclosure Brochure for details on the research and analysis methods employed by Wealth Teams Alliance. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Wealth Teams Alliance will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals.  Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account[s]. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. Wealth Teams Alliance shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform Wealth Teams Alliance of any changes in financial condition, goals or other factors that may affect this analysis. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Please see Wealth Teams Alliance’s Form ADV Part 2A for more information in the following areas: Item 4 – Advisory Business, Item 6 – Performance Based-Fees and Side by Side Management, Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss, and Item 17 – Voting Client Securities. Cash Positions. Advisor continues to treat cash as an asset class. As such, unless determined to the contrary by Advisor, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Advisor’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Advisor may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Advisor’s advisory fee could exceed the interest paid by the client’s money market fund. Portfolio Activity. Advisor has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, Advisor will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Advisor determines that changes to a client’s portfolio are neither necessary nor prudent. Clients nonetheless remain subject to the fees described in Item 5 below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by the Wealth Teams Alliance will be profitable or equal any specific performance level(s). Retirement Rollovers-Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Advisor provides a recommendation as to whether a client should engage in a rollover or not, Advisor is acting as an ERISA fiduciary by making such recommendation. Furthermore, if Advisor recommends that a client roll over their retirement plan assets into an account to be managed by Advisor, such a recommendation creates a conflict of interest if Advisor will earn new (or increase its current) compensation as a result of the rollover. If Wealth Teams Alliance provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), Wealth Teams Alliance is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by Wealth Teams Alliance , whether it is from an employer’s plan or an existing IRA. Use of Mutual Funds and Exchange Traded Funds: While the Advisor may recommend allocating investment assets to mutual funds or exchange traded funds (“ETFs”) that are not available directly to the public, the Advisor may also recommend that clients allocate investment assets to publicly-available mutual funds and ETFs that the client could obtain without engaging Advisor as an investment adviser. However, if a client or prospective client determines to allocate investment assets to publicly-available mutual funds or ETFs without engaging Advisor as an investment adviser, the client or prospective client would not receive the benefit of Advisor’s initial and ongoing investment advisory services. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, Wealth Teams Alliance shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Wealth Teams Alliance reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client Please Note: The above does not apply to the cash component maintained within the Wealth Teams Alliance ’s actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of the Wealth Teams Alliance ’s unmanaged accounts. Cybersecurity Risk. The information technology systems and networks that Wealth Teams Alliance and its third- party service providers use to provide services to Registrant’s clients employ various controls that are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Registrant’s operations and/or result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Wealth Teams Alliance are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur financial losses and/or other adverse consequences. Although Wealth Teams Alliance has established processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Wealth Teams Alliance does not control the cybersecurity measures and policies employed by third-party service providers, issuers of securities, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchanges and other financial market operators and providers.  Client Privacy and Confidentiality. Wealth Teams Alliance maintains policies and procedures designed to help protect the confidentiality and security of client nonpublic personal information (“NPPI”). NPPI includes, but is not limited to, social security numbers, credit or debit card numbers, state identification card numbers, driver’s license number and account numbers. Wealth Teams Alliance maintains administrative, technical, and physical safeguards designed to protect such information from unauthorized access, use, loss, or destruction. These safeguards include controls relating to data access, information security, and incident response, and are reviewed to address changes in risk and business. Client information may be disclosed in response to regulatory requests, legal obligations, or as otherwise permitted by law, and any such disclosure is made in accordance with applicable privacy and confidentiality requirements. Wealth Teams Alliance may engage non-affiliated service providers in connection with providing advisory services, and such providers may have access to client NPPI, as necessary, to perform their functions. The Wealth Teams Alliance confirms that service providers maintain safeguards designed to protect client information from unauthorized access or use and provide notice to the Wealth Teams Alliance in the event of a cybersecurity incident involving client information maintained by the service provider. While the Wealth Teams Alliance maintains policies and procedures designed to protect client information, such measures cannot eliminate all risk. The Wealth Teams Alliance will notify clients in the event of a data breach involving their NPPI as may be required by applicable state and federal laws. Artificial Intelligence. Wealth Teams Alliance may use certain Artificial Intelligence (“AI”) tools in connection with its investment advisory services. Wealth Teams Alliance has adopted an AI Policy that governs the appropriate use of AI tools to ensure that Wealth Teams Alliance and its employees abide by their fiduciary duty and comply with all applicable regulations. AI tools are not used by Wealth Teams Alliance as a substitute for professional judgment by Wealth Teams Alliance or its employees, and all AI generated output is reviewed by the Wealth Teams Alliance for accuracy. All investment decisions and recommendations are made and approved by the Registrant. The use of AI tools does not guarantee the accuracy of analyses or the success of any investment strategy. Clients should not assume that reliance on AI tools results in better performance or reduces risk. AI tools involve limitations and risks that Wealth Teams Alliance monitors and manages. These risks include, but are not limited to, data security concerns, potential inaccuracies, and possible algorithmic biases. To mitigate these risks, Wealth Teams Alliance has implemented controls such as pre-approval requirements for AI tools, restrictions on providing nonpublic personal information to public AI systems, vendor due diligence, review of AI-generated materials, and employee training on appropriate AI usage. Sub-Advisory Engagements. Wealth Teams Alliance also serves as a sub-adviser to unaffiliated registered investment advisers per the terms and conditions of a written Sub-Advisory Agreement. The unaffiliated investment advisers that engage Wealth Teams Alliance ’s sub-advisory services shall maintain both the initial and ongoing day- to-day relationship with the underlying client, including initial and ongoing determination of client suitability for Wealth Teams Alliance ’s designated investment strategies. If the custodian/broker-dealer is determined by the unaffiliated investment adviser, Wealth Teams Alliance will be unable to negotiate commissions and/or transaction costs, and/or seek better execution. As a result, client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case through alternative clearing arrangements recommended by Wealth Teams Alliance . Higher transaction costs  adversely impact account performance. Wealth Teams Alliance provides sub-advisory services to its affiliate, Howard Financial. Custodian Charges-Additional Fees. As discussed below at Items 5 and 12 below, when requested to recommend a broker-dealer/custodian for client accounts, Advisor generally recommends that Charles Schwab and Co., Inc. (“Schwab”) AssetMark Trust or Axos Clearing, LLC (“Axos”) serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab, AssetMark Trust or Axos charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians do not currently charge fees on individual equity transactions [including ETFs], others do). These fees/charges are in addition to Advisor’s investment advisory fee at Item 5 below. Wealth Teams Alliance does not receive any portion of these fees/charges. Exception: To the extent that the Advisor executes transactions in conjunction with a wrap program and use of asset based pricing, transaction fees shall generally be included in the wrap advisory fee paid to the wrap program sponsor Trust-Deed Investments/Ignite Funding. Wealth Teams Alliance provides advice and guidance with respect to Trust Deed real estate investments backed by collateral land investments . The investing client becomes a lender to real estate investment projects The real estate investment lending opportunities s are made available by Ignite Funding. Ignite Funding is a non-depository credit union and licensed mortgage broker. Ignite Funding makes available collateralized turn-key real estate investments for its clients. To facilitate investment, Ignite Funding uses a strict underwriting process for real estate loan opportunities presented to clients, including property location, market conditions, various valuation methodologies, Borrower track record and financial condition, and exit strategy. Trust Deeds carry certain risks. Trust deed investments are not insured by the FDIC or any other government agency. Moreover, investors have no guarantee that the investment will yield a positive return. Trust Deeds may also experience a market loss upon resale and general housing market risks. Credit Risks may also be presented where the borrower may be unable to make all payments. Wealth Teams Alliance is compensated in relation to the advice that it provides regarding the Trust Deed purchase and lending opportunity. Item 7 – Client Information Provided to Portfolio Managers Clients participating in the Wrap Fee Program generally grant Wealth Teams Alliance the authority to discuss certain non- public information with the Independent Managers engaged to manage their accounts. Depending upon the specific arrangement, Wealth Teams Alliance is authorized to disclose various personal information including, without limitation: names, phone numbers, addresses, social security numbers, driver’s license, tax identification numbers and account numbers. Wealth Teams Alliance may also share certain information related to its Clients’ financial positions and investment objectives in an effort to ensure that the Independent Managers’ investment decisions remain aligned with its Clients’ best interests. This information is communicated on an initial and ongoing basis, or as otherwise necessary to the management of its Clients’ portfolios.  Item 8 – Client Contact with Portfolio Managers There are no restrictions on Clients’ ability to correspond with Wealth Teams Alliance. Clients can generally contact the Independent Managers managing their portfolios through Wealth Teams Alliance by providing Wealth Teams Alliance with written request and identification of the questions or issues to be discussed with the Independent Managers. After receiving the Client’s written request, Wealth Teams Alliance, at its sole discretion, may contact the Independent Managers for the Client or arrange for the Independent Managers and the Client to communicate directly. Item 9 – Additional Information Disclosable Events Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Wealth Teams Alliance or the integrity of our management. We have no information applicable to this Item. Other Financial Industry Activities and Affiliations No Wealth Teams Alliance employee is registered, or have an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. Wealth Teams Alliance only receives compensation directly from clients. We do not receive compensation from any outside source. We do not have any conflicts of interest with any outside party. Registered Representatives of World Equity Group. Certain of Wealth Teams Alliance’s representatives are registered representatives of World Equity Group. World Equity Group is a broker-dealer that is independently owned and operated and is not affiliated with Wealth Teams Alliance. Please refer to Item 12 for a discussion of the benefits Leelyn Smith may receive from LPL and the conflicts of interest associated with receipt of such benefits. Licensed Insurance Agency/Agents. Wealth Teams Alliance is affiliated with two insurance agencies, as indicated above at Item 4. Furthermore, certain of the Wealth Teams Alliance’s representatives, in their individual capacities, are licensed insurance agents. The Wealth Teams Alliance and/or its representatives may recommend the purchase of certain insurance-related products on a commission basis. As referenced in Item 4.B above, clients can engage certain of Wealth Teams Alliance’s representatives to purchase insurance products on a commission basis. Conflict of Interest: The recommendation by Wealth Teams Alliance’s representatives that a client purchase a securities or insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions received, rather than on a particular client’s need. No client is under any obligation to purchase any commission products from Wealth Teams Alliance’s  representatives. Clients are reminded that they may purchase securities or insurance products recommended by Wealth Teams Alliance through other, non-affiliated insurance agents or broker-dealers. Investment Adviser Representative of other Investment Advisers. Certain of the Registrant’s members are also registered with Howard Financial (CRD # 155323), an unaffiliated state -registered investment advisor firm and SFI Advisors, LLC (CRD # 287929/SEC # 801-110293), an SEC-registered investment adviser. Neither investment adviser is not involved in providing investment advice on behalf of Wealth Teams Alliance , nor does either firm hold itself out as providing advisory services on behalf of Wealth Teams Alliance. No client of Wealth Teams Alliance is under any obligation to use the services of Howard Financial or SFI Advisors, LLC. Conflict of Interest: The recommendation by of Wealth Teams Alliance that a client engage either firm, or any of Wealth Teams Alliance representative, in their capacity as an investment adviser representatives of either firm, presents a conflict of interest, as the Wealth Teams Alliance representative could have the incentive to make such a recommendation based on funds received, rather than on a particular client’s need. No client is under any obligation to engage SFI Advisors, LLC or Howard Financial. Recommendations or Selections of Other Investment Advisers Wealth Teams Alliance only receives compensation directly from clients. We do not receive compensation from any outside source. We do not have any material conflicts of interest with any outside party requiring disclosure in this section. Wealth Teams does not receive, directly or indirectly, compensation from investment advisors that it recommends or selects for its clients. For more information on Wealth Teams Alliance’s Other Financial Industry Activities and Affiliations, please review Item 10 of Wealth Teams Alliance’s Form ADV Part 2A. Code of Ethics We have adopted a Code of Ethics for all supervised persons of the firm describing its high standard of business conduct, and fiduciary duty to its clients. The Code of Ethics includes provisions relating to the confidentiality of client information, a prohibition on insider trading, a prohibition on rumor mongering, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All members of the firm must acknowledge the terms of the Code of Ethics annually, or as amended. For more information regarding our Code of Ethics, please review Item 11 of Wealth Teams Alliance’s Form ADV Part 2A. Personal Trading It is our policy that the firm will not affect any principal or agency cross securities transactions for client accounts. We will also not cross trades between client accounts. For more information regarding our personal trading practices, please review Item 11 of Wealth Teams Alliance’s Form ADV Part 2A. Account Review  Client accounts with the Investment Management Service will be reviewed regularly on a quarterly basis by Guy Baker, Managing Member. The account is reviewed with regards to the client’s investment policies and risk tolerance levels. Events that may trigger a special review would be unusual performance, addition or deletions of client imposed restrictions, excessive draw-down, volatility in performance, or buy and sell decisions from the firm or per client's needs. For more information regarding Account Review, please review Item 13 of Wealth Teams Alliance’s Form ADV Part 2A. Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. Please see Wealth Teams Alliance’s Form ADV Part 2A for more information in the following areas: Item 10 - Other Financial Industry Activities and Affiliations, Item 11 - Code of Ethics, Item 13 - Review of Accounts, Item 14 - Client Referrals and Other Compensation, and Item 18 - Financial Information.