WOLMAN WEALTH MANAGEMENT, INC.

Part 2A of Form ADV: Firm Brochure WWM Advisory Inc. 4208 Overland Avenue Culver City, CA 90230 Telephone: 310-234-1992 Email: jeff@wolmanwm.com 06/30/2025 This brochure provides information about the qualifications and business practices of Wolman Wealth Management Inc. If you have any questions about the contents of this brochure, please contact us at 310-234-1992 or jeff@wolmanwm.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about WWM Advisory Inc. also is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as a CRD number. Our firm's CRD number is 133611.  WWM Advisory Inc. Item 2 Material Changes As a registered investment adviser, WWM Advisory Inc. has prepared this Firm Brochure, dated 06/30/2025, in accordance with the SEC’s disclosure requirements. As you will see, this document is a narrative providing detailed information regarding our firm, its practices, fees, actual and potential conflicts of interest and key mitigating circumstances, policies and controls. After our initial filing of this Brochure, this Item 2 will be used to provide our clients and Fund investors with a summary of new and/or updated information. We will inform you of the revision(s) based on the nature of the updated information. Consistent with SEC rules, we will ensure that you receive a summary of any material changes to this and subsequent Brochures within 120 days of the close of our business fiscal year. Furthermore, we will provide you with other interim disclosures regarding material changes as necessary. Material Changes since last update on March 5, 2025 WWM Advisory Inc. (“WWMA”) was created on May 22, 2025, as a successor to the investment advisory functions previously provided by Wolman Wealth Management Inc. (“Wolman”). Wolman was formed initially as a business management firm and later added investment services and registered as an investment advisor. With the creation of WWMA, investment advisory services will now be provided by WWMA, while business management services will continue to be offered by Wolman. There continue to be no fees charged to clients of Wolman or WWMA for investment advisory services; however, Wolman will continue to charge for business management services.  WWM Advisory Inc. Item 3 Table of Contents Contents Item 1 Cover Page ......................................................................................................................... 1 Item 2 Material Changes ............................................................................................................... 2 Item 3 Table of Contents............................................................................................................... 3 Item 4 Advisory Business ............................................................................................................. 4 Item 5 Fees and Compensation ..................................................................................................... 6 Item 6 Performance-Based Fees and Side-By-Side Management ................................................ 7 Item 7 Types of Clients ................................................................................................................. 7 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss ......................................... 8 Item 9 Disciplinary Information ................................................................................................... 9 Item 10 Other Financial Industry Activities and Affiliations ....................................................... 9 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .. 9 Item 12 Brokerage Practices ....................................................................................................... 10 Item 13 Review of Accounts....................................................................................................... 11 Item 14 Client Referrals and Other Compensation ..................................................................... 11 Item 15 Custody .......................................................................................................................... 11 Item 16 Investment Discretion .................................................................................................... 12 Item 17 Voting Client Securities................................................................................................. 12 Item 18 Financial Information .................................................................................................... 12 Part 2B Brochure Supplement ................................................................................................... 14  WWM Advisory Inc. Item 4 Advisory Business WWM Advisory Inc. is a SEC-registered investment adviser with its principal place of business located in Los Angeles, California. WWM Advisory Inc. was created in 2025 to provide investment services to clients of Wolman Wealth Management Inc., which began conducting business in 1995. Jeffrey Charles Lloyd Wolman (“Jeffrey Wolman”) is the President and sole 100% shareholder of both WWM Advisory Inc. and Wolman Wealth Management Inc. WWM Advisory Inc. offers the following services to our clients: PERSONAL & BUSINESS MANAGEMENT SERVICES WWM Advisory Inc. provides investment advisory services including portfolio management, discretionary investment advice and management, monitoring of investments, and financial planning. Individual Portfolio Management WWM Advisory Inc. only provides portfolio management services to clients who have engaged Wolman Wealth Management Inc. for Personal & Business Management Services. WWMA will provide individually tailored investment advice, at no additional charge, only for Wolman’s Personal & Business Management Services Clients. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop and recommend and manage a portfolio based on this information. During our data- gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. We manage these advisory accounts on a discretionary or non-discretionary basis or in certain circumstances may refer clients to third-party advisers (see Third-Party Advisers below). Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities: ● Exchange-listed securities ● Certificates of deposit ● Municipal securities ● Mutual fund shares ● United States governmental securities ● Interests in partnerships investing in Real Estate  WWM Advisory Inc. Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. Third-Party Advisers WWM Advisory Inc. may from time to time recommend or assist clients with developing a relationship directly with a third-party money manager. Based on a client's individual circumstances and needs, we will assist the client in determining which independent adviser's portfolio management services are appropriate for that client. Factors considered in making this determination, including account size, risk tolerance, and a client's investment experience, are discussed during our consultation with the client. WWM Advisory Inc. will not accept discretion to hire or fire any third-party adviser on behalf of a client. Each client will be responsible for hiring and firing third-party managers. WWM Advisory Inc. will meet with the client on a regular basis, or as determined by the client, to review the account. We will, when needed, suggest changes in the client's portfolio (''rebalancing''), to more effectively address each client's goals. These recommendations may include replacing the third-party adviser with another adviser. The client may then instruct the independent adviser to make any or all of the changes we recommended. These recommendations are our own, and are neither recommended nor approved by any independent advisers. Any rebalancing of the portfolio is done with the client's approval, and will be reviewed and implemented by the independent investment adviser. WWM Advisory Inc. does not act as a solicitor for any third-party adviser and receives no compensation for making recommendations of third-party advisers. Consulting Services Clients can also receive investment advice on a more focused basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or any other specific topic. We also provide specific consultation and administrative services regarding investment and financial concerns of the client. Consulting recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. CONFLICTS OF INTEREST: All material conflicts of interest are disclosed regarding WWM Advisory Inc. and Wolman Wealth Management Inc., its representatives and any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. We are required to disclose if a conflict exists between the interests of the investment adviser and the interests of the client. If so, the client is under no obligation to act upon the investment  WWM Advisory Inc. advisor’s recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. Assets Under Management As of December 31, 2024, WWM Advisory Inc. has $230,072,645 of discretionary assets under management. WWM Advisory Inc. does not participate in any wrap programs. Item 5 Fees and Compensation FEES FOR ALL SERVICES WWM Advisory Inc. does not charge fees for Portfolio Management, recommending Third- Party Advisers, or Consulting Services, however the firm only provides services to clients of Wolman Wealth Management Inc., which charges a monthly fee for unrelated business management services. Fees are invoiced and sent to clients in arrears. Fees are determined based on the nature of the services being provided and the complexity of each client’s circumstances. All fees are agreed upon prior to entering into a separate contract with any client and included in the engagement letter signed by the client and Wolman Wealth Management Inc. Those fees are not negotiable. ADDITIONAL INFORMATION ABOUT FEES Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either party, for any reason as described in the firm’s engagement letter. Upon termination, any and all undisputed fees and costs due to the Firm shall be paid within fifteen (15) business days following your receipt of detailed notification of such outstanding fees and costs. Mutual Fund Fees: All fees paid to WWM Advisory Inc. or Wolman Wealth Management Inc. for investment advisory services are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally include a management fee, other fund expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge. A client could invest in a mutual fund directly, without our services. In that case, the client would not receive the services provided by our firm which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the funds and our fees to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided. Separately Managed Account Fees: Clients who are referred to Third-Party Advisers and separately managed account programs may be charged various program fees in addition to the advisory fee charged by our firm. Client should reference the third-party managers disclosure document for details of such fees.  WWM Advisory Inc. Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any transaction charges imposed by a broker dealer with which an independent investment manager effects transactions for the client's account(s). Please refer to the "Brokerage Practices" section (Item 12) of this Form ADV for additional information. ERISA Accounts: WWM Advisory Inc. is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act ("ERISA"), and regulations under the Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to specific duties and obligations under ERISA and the Internal Revenue Code that include among other things, restrictions concerning certain forms of compensation. To avoid engaging in prohibited transactions, WWM Advisory Inc. may only charge fees for investment advice about products for which our firm and/or our related persons do not receive any commissions or 12b-1 fees, or conversely, investment advice about products for which our firm and/or our related persons receive commissions or 12b-1 fees, however, only when such fees are used to offset WWM Advisory Inc.'s advisory fees. Advisory Fees in General: Clients should note that similar advisory services may (or may not) be available from other registered (or unregistered) investment advisers for similar or lower fees. Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of fees in excess of $1200 more than six months in advance of services rendered. Item 6 Performance-Based Fees and Side-By-Side Management WWM Advisory Inc. does not charge performance-based fees. Item 7 Types of Clients WWM Advisory Inc. does not impose a minimum account size and generally provides advisory services to the following types of clients: ● Individuals (other than high net worth individuals) ● High net worth individuals ● Pension and profit sharing plans  WWM Advisory Inc. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss METHODS OF ANALYSIS We use the following methods of analysis in formulating our investment advice and/or managing client assets: Asset Allocation. Rather than focusing primarily on securities selection, we attempt to identify an appropriate ratio of securities, fixed income, and cash suitable to the client’s investment goals and risk tolerance. A risk of asset allocation is that the client may not participate in sharp increases in a particular security, industry or market sector. Another risk is that the ratio of securities, fixed income, and cash will change over time due to stock and market movements and, if not corrected, will no longer be appropriate for the client’s goals. Mutual Fund and/or ETF Analysis. We look at the experience and track record of the manager of the mutual fund or ETF in an attempt to determine if that manager has demonstrated an ability to invest over a period of time and in different economic conditions. We also look at the underlying assets in a mutual fund or ETF in an attempt to determine if there is significant overlap in the underlying investments held in another fund(s) in the client’s portfolio. We also monitor the funds or ETFs in an attempt to determine if they are continuing to follow their stated investment strategy. A risk of mutual fund and/or ETF analysis is that, as in all securities investments, past performance does not guarantee future results. A manager who has been successful may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in a fund or ETF, managers of different funds held by the client may purchase the same security, increasing the risk to the client if that security were to fall in value. There is also a risk that a manager may deviate from the stated investment mandate or strategy of the fund or ETF, which could make the holding(s) less suitable for the client’s portfolio. Risks for all forms of analysis. Our securities analysis methods rely on the assumption that the companies whose securities we purchase and sell, the rating agencies that review these securities, and other publicly-available sources of information about these securities, are providing accurate and unbiased data. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate or misleading information.  WWM Advisory Inc. Item 9 Disciplinary Information We are required to disclose any legal or disciplinary events that are material to a client's or prospective client's evaluation of our advisory business or the integrity of our management. Our firm and our management personnel have no reportable disciplinary events to disclose. Item 10 Other Financial Industry Activities and Affiliations Applications for registration as a broker-dealer/registered representative We, nor our management persons, do not have any application pending to register, as a broker-dealer or a registered representative. Applications for futures/commodity/Other merchants We, nor our management persons, do not have any application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or an associate person of foregoing entities. Relationships/Affiliations Our firm and our related persons are not registered or affiliated with any other investment adviser or other financial industry company. Other Investment Advisor As previously disclosed in Item 4 our firm may recommend third-party advisers. However, WWM Advisory Inc. is in no way a solicitor for any third-party adviser and will not receive any compensation from third-party advisers that we recommend. Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading WWM Advisory Inc. and individuals associated with our firm are prohibited from engaging in the following: ● Principal transactions ● Agency cross transactions Buy or sell securities about the same time as you: It is the expressed policy of our firm that no person employed by us may purchase or sell any security prior to a transaction(s) being implemented for an advisory account, thereby preventing such employee(s) from benefiting from transactions placed on behalf of advisory accounts. Invest in securities we recommend to you: Our firm and/or individuals associated with our firm  WWM Advisory Inc. may buy or sell for their personal accounts securities identical to or different from those recommended to our clients. In addition, any related person(s) may have an interest or position in a certain security(ies) which may also be recommended to a client. WWM Advisory Inc. has adopted a formal Code of Ethics, however requires employees to report all personal securities transactions made during each calendar quarter within 30 days of the quarter end. Ethical Standards – Our code of ethics is designed to ensure that our firm meets high ethical standards. The Code is designed to address and factor in activities which may lead to or give the appearance of: (1) conflicts of interest, (2) insider information, and/or (3) other forms of unethical business conduct. The code is designed to preserve the name and reputation of the firm and its employees. This Code establishes rules of conduct to oversee the personal securities trading activities in the accounts of employees (if any), immediate family/household accounts and accounts in which an employee has a beneficial interest. Fiduciary Duty —Our code establishes that we have a fiduciary duty to our clients to conduct affairs, including their personal securities transactions, in a manner to avoid: Serving their own personal interests ahead of clients, Taking inappropriate actions, such as abusing their position with the firm, and Actual conflicts of interest that would jeopardize their position of trust and responsibility. Item 12 Brokerage Practices WWM Advisory Inc. does not have any brokerage relationships established at this time of registration. Selecting Brokerage Firms Research/Soft dollars: WWM Advisory Inc. does not receive any “soft dollars” as it does not offer portfolio management services through a brokerage at this time. Brokerage for client referrals WWM Advisory Inc. does not offer any brokerage services for client referrals at this time. Directed brokerage WWM Advisory Inc. does not offer any directed brokerage services at this time. Aggregating client accounts  WWM Advisory Inc. As a matter of policy and practice, WWM Advisory Inc. does not generally block client trades and, therefore, we implement client transactions separately for each account. Consequently, certain client trades may be executed before others, at a different price and/or commission rate. Additionally, our clients may not receive volume discounts available to advisers who block client trades. Item 13 Review of Accounts FOR ALL SERVICES Periodic Reviews: Jeffrey Wolman, President, will continually monitor each investment account, identified by the client and agreed upon in the engagement letter by WWM Advisory Inc. All accounts are formally reviewed at least quarterly. Other Reviews: Additional reviews may be conducted based on various circumstances, including, but not limited to: • • • • • contributions and withdrawals; year-end tax planning; market moving events; security specific events; and/or, changes in your risk/return objectives. Reports: In addition to the monthly statements and confirmations of transactions that these clients receive from their respective broker-dealer, the asset manager(s) who manage the client’s portfolio(s), we provide the client with written quarterly performance reports. Unless otherwise contracted for, we do not typically provide additional reports. Item 14 Client Referrals and Other Compensation It is WWM Advisory Inc.'s policy not to engage solicitors or to pay related or non- related persons for referring potential clients to our firm. It is WWM Advisory Inc.'s policy not to accept or allow our related persons to accept any form of compensation, including cash, sales awards or other prizes, from a non- client in conjunction with the advisory services we provide to our clients. Item 15 Custody WWM Advisory Inc. and/or Mr. Wolman are deemed to have custody of client’s assets in connection with bill paying and management services to its clients. WWM Advisory Inc. will take all necessary steps to protect clients funds including engaging, Breard & Associates, Inc, a PCAOB public accounting firm, to conduct an annual custody audit and verification of client’s funds and engage a separate CPA audit the firm’s financials.  WWM Advisory Inc. All client funds will be held with qualified custodians and each client will receive periodic statements directly from their securities broker, bank, and/or other custodian. In addition to these statements WWM Advisory Inc. sends its own statements detailing holdings and transactions. We urge our clients to carefully compare the information provided on these statements to ensure that all account transactions, holdings and values are correct and current. Item 16 Investment Discretion Clients may hire us to provide discretionary asset management services, in which case we place trades in a client's account without contacting the client prior to each trade to obtain the client's permission. Our discretionary authority includes the ability to do the following without contacting the client: ● determine the security to buy or sell; and/or ● determine the amount of the security to buy or sell Clients give us discretionary authority when they sign the discretionary engagement letter with our firm, and may limit this authority by giving us written instructions. Clients may also change/amend such limitations by once again providing us with written instructions. Item 17 Voting Client Securities As a matter of firm policy, we do not vote proxies on behalf of clients. Therefore, although our firm may provide investment advisory services relative to client investment assets, clients maintain exclusive responsibility for: (1) directing the manner in which proxies solicited by issuers of securities beneficially owned by the client shall be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. Clients are responsible for instructing each custodian of the assets, to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. We do not offer any consulting assistance regarding proxy issues to clients. Item 18 Financial Information As disclosed in Item 15 WWM Advisory Inc. and/or Mr. Wolman are deemed to have custody of client’s assets in connection with bill paying and management services to its clients. As a result WWM Advisory Inc. is subject to minimum net capital and financial reporting requirements. WWM Advisory Inc. has no additional financial circumstances to report. Under no circumstances do we require or solicit payment of fees in excess of $1200 per client  WWM Advisory Inc. more than six months in advance of services rendered. Therefore, we are not required to include a financial statement. Neither WWM Advisory Inc., nor Wolman Wealth Management Inc. has not been the subject of a bankruptcy petition at any time during the past ten years.  Part 2B of Form ADV: Brochure Supplement Jeffery Charles Lloyd Wolman (“Jeff Wolman”) 4208 Overland Avenue Culver City, CA 90230 310-234-1992 WWM Advisory Inc. Culver City, CA 90230 310-234-1992 06/30/2025 This brochure supplement provides information about Jeffery Charles Lloyd Wolman (CRD# 4895490) that supplements the WWM Advisory Inc. brochure. You should have received a copy of that brochure. Please contact Jeff Wolman 310-234-1992 if you did not receive WWM Advisory Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Jeffery Charles Lloyd Wolman is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational Background and Business Experience Full Legal Name: Jeffery Charles Lloyd Wolman Born: 1961 Education: Mr. Wolman received a Bachelor of Commerce degree in accounting from Dalhousie University in Halifax, Nova Scotia, Canada in 1983. Mr. Wolman also received a LLB (Bachelor of Law) degree from the University of Toronto Law School in 1992. Business Experience WWM Advisory Inc., CEO 06/2025 to Present Wolman Wealth Management Inc., CEO 10/1995 to Present Item 3 Disciplinary Information Mr. Wolman has no disciplinary information to disclose. Item 4 Other Business Activities Investment-Related Activities Mr. Wolman is not engaged in any other investment-related activities and does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. Non-Investment-Related Activities Mr. Wolman provides accounting and business management services to clients and is also admitted to practice law in the state of New York since 1992. Item 5 Additional Compensation Mr. Wolman does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Since Mr. Wolman is the sole owner and an investment adviser representative of WWM Advisory Inc. he is solely responsible for all supervision and formulation and monitoring of investment advice offered to clients. Mr. Wolman reviews and oversees all investment recommendations and conducts periodic reviews as required.  Part 2B of Form ADV: Brochure Supplement Gary Levand Karz (“Gary Karz”) 4208 Overland Avenue Culver City, CA 90230 310-234-1992 WWM Advisory Inc. Culver City, CA 90230 310-234-1992 06/30/2025 This brochure supplement provides information about Garey Levand Karz (CRD# 1611860) that supplements the WWM Advisory Inc. brochure. You should have received a copy of that brochure. Please contact Jeff Wolman 310-234-1992 if you did not receive WWM Advisory Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Gary Levand Karz is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational Background and Business Experience Full Legal Name: Gary Levand Karz Born: 1966 Education: BS Business Administration University of Southern California 1988. Business Experience WWM Advisory Inc., Investment Advisor Rep 06/2025 to Present Wolman Wealth Management Inc., Investment Advisor Rep 01/2025 to 06/2025 Tri Star Sports & Entertainment, Manager Investment Analytics 08/2021 to 01/2025 Consultant/Self Employed 05/2016 to 08/2021 Proficient Investment Management, LLC, Investment Advisor 12/2010 to 05/2016 Item 3 Disciplinary Information Mr. Karz has no disciplinary information to disclose. Item 4 Other Business Activities Investment-Related Activities Mr. Karz is not engaged in any other investment-related activities and does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. Non-Investment-Related Activities Mr. Karz is not engaged in any other non-investment-related activities. Item 5 Additional Compensation Mr. Karz does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Mr. Wolman is solely responsible for all supervision and formulation and monitoring of investment advice offered to clients. Mr. Wolman reviews and oversees all investment recommendations and conducts periodic reviews as required of Mr. Karz’s activities. He may be reached at: 310-234-1992.