WOMACK WEALTH MANAGEMENT, INC.

FORM ADV – PART 2A (FIRM BROCHURE) Womack Wealth Management, Inc. ITEM 1 – IDENTIFICATION Principal Business Office Address: 904 Manhattan Ave, Suite 9 Manhattan Beach, CA 90266 888-314-5554 www.womackwealthmanagement.com Brochure Date: October 2025 This brochure provides information about the qualifications and business practices of Womack Wealth Management, Inc. 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. The brochure provides information on the personnel of the firm, its investment approach and fee schedule. In this brochure we refer to ourselves as “Womack Wealth Management, Inc.”, “WWM”, and the “Firm”, “we”, or “us”. Additional information about Womack Wealth Management, Inc., is available on the SEC’s website at www.adviserinfo.sec.gov. WWM is a SEC-registered Investment Adviser. You can search this site by a unique identifying number, known as the CRD number. The CRD number for Womack Wealth Management, Inc. is 146126. Registration as an Investment Adviser does not imply any level of skill or training. 1  ITEM 2 – MATERIAL CHANGES UPDATES SINCE LAST ANNUAL AMENDMENT OF ADV PART 2A IN MARCH 2025: This item of the Brochure will discuss only specific material changes that are made to the Brochure and provide clients with a summary of such changes. As of this update, WWM had the following changes to the Form ADV that could be considered material in nature in addition to several others that could be characterized as non-material, grammatical, and descriptive edits but did not change the functional meanings or terms of the subject. • We have updated our assets under management. Please refer to Item 4- Advisory Business for more information. Our brochure may be requested by contacting us at 904 Manhattan Ave., Suite 9, Manhattan Beach, CA 90266 or by phone at 888-314-5554. 2  ITEM 3 – TABLE OF CONTENTS PAGE 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 7 Item 6 – Performance Based Fees and Side by Side Management 9 Item 7 – Types of Clients 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss 9 Item 9 – Disciplinary Information 10 Item 10 – Other Financial Industry Activities and Affiliations 10 Item 11 – Code of Ethics 11 Item 12 – Brokerage Practices 13 Item 13 – Review of Accounts 16 Item 14 – Client Referrals and Other Compensation 17 Item 15 - Custody 17 Item 16 – Investment Discretion 18 Item 17 – Voting Client Securities 18 Item 18 – Financial Information 18 Form ADV Part 2B (Brochure Supplement) 19 Additional Information: Privacy Policy 25 3  ITEM 4 – ADVISORY BUSINESS Womack Wealth Management, Inc. (“WWM”, “the Firm”, “we”, or “us”) is a corporation formed under the laws of the State of New Mexico and registered as an investment adviser with the SEC. The Firm has been in business since 2008 and is headquartered in Manhattan Beach, California. Womack Wealth Management, Inc. is 100% owned by Scott H. Womack. He holds the titles of President and Chief Compliance Officer of the firm and has held these titles since January of 2008 when WWM was incorporated in New Mexico. He currently holds a FINRA Series 65 license. Womack Wealth Management provides the following types of advisory services: 1. Investment Management and Consulting: Providing guidance to help clients articulate their goals, financial circumstances and risk parameters then developing appropriately designed and managed investment portfolios. Services may include: • Review of current investments • Overall asset allocation consulting • Assist in opening account(s) for asset custody through brokerages, trust companies, and/or banks • Development of an Investment Policy Statement (IPS), outlining risk tolerance, risk capacity, investment objectives, allowable investment classes, and other investment criteria • Periodic review and rebalancing • Quarterly performance reporting WWM portfolio design is based in part on the tenets of Modern Portfolio Theory (MPT) and, in part, on Efficient Markets Hypothesis (EMH). Portfolios consist predominantly of structured asset class no-load mutual funds, ETFs, individual stocks, bonds (and other fixed income investments), real estate/REITs, commodity asset class exposure (generally within ETF’s, mutual funds, and other investment vehicles), and alternative investments. The minimum account size accepted for the Investment Management and Consulting Services is $250,000. Use of Third-Party Money Managers WWM may refer clients to other investment advisers for money management services. WWM does not accept any referral fees from third party money managers. In addition to the Advisory agreement between WWM and the client, the client will also receive and sign a 4  management agreement with the third-party managers. Any fees charged by third-party managers to the client will be in addition to the WWM advisory fees. Employee Benefit Retirement Plan Services WWM provides advisory services to pensions and profit sharing plans for the design, implementation, and/or investment management of the plans. WWM will recommend investment options to be included in the retirement plan, monitor performance, provide participant enrollment/education meetings if requested by the client, and recommend changes as needed. For existing retirement/benefits plans, WWM will review the overall design, current investment options, administrative platforms, TPA providers, expenses, investment policy statements (IPS), etc. and will provide recommendations for any areas of improvement. Institutional Investment Consulting Available to foundations, endowments, Native American tribes, and qualified retirement ERISA plans, WWM will provide counsel on overall investment plan design, asset allocation modeling, investment advisor searches, and due diligence on mutual funds, ETF’s, money managers, and individual holdings. Investment consulting, for the purpose of this description, does NOT involve management of the underlying securities but involves assisting in the selection on a non-discretionary basis of separate advisors, mutual funds, and others, who may manage the actual assets/investments. 2. Wealth Planning and Management: Design and guidance in the implementation of coordinated strategies involving comprehensive financial planning, estate and tax planning advice, risk management/insurance planning, and investment management, in a holistic "family office"-style team structure. While stand-alone Financial Planning Services (see description below) emphasizes plan design with less concentration on guiding the implementation, Wealth Planning and Management services are ongoing advisory relationships with a focus on both the planning aspects and the implementation and management. Wealth Planning and Management integrates WWM's Investment Management and Consulting services with WWM's Financial Planning Services. Wealth Planning and Management services are typically available to clients with at least $1,000,000 in liquid assets. For clients requiring more complex "family office" level wealth management, assets should typically be in excess of $20,000,000. 3. Financial Planning Services: Financial Planning is available as an integral part of WWM's Wealth Planning and Management services or as a stand-alone service. When engaged as a stand-alone service, a client may also separately engage WWM Investment Management 5  and Consulting services but is under no obligation to do so. Fees for the separate services will be independent of one another. Financial Planning Services may include the following: • Assisting clients assess and define their goals, concerns, and priorities then designing a plan, integrating these items with their state of finances and risk tolerance • Review of assets, debt, cash flow, net worth, projected earnings, and expenses • Risk management including a review of ownership structures (trusts, LLC’s, LLP’s, family limited partnerships, corporations, etc.), insurance analysis (health, long-term care, life, disability, property and casualty, umbrella, business continuity, etc.), and consulting for concentrated stock positions, and closely held businesses • Retirement income planning • Education expense and investment planning • Analysis of employee benefits provided by client's employer • Design of employer benefits program for client business owners (managed under separate engagement) • Estate planning advice 4. Turn-Key Asset Management Services for Advisors: Turn-key services for advisors who wish to outsource back-office functions of their practice. Two service levels are available: Level One, in which WWM provides back office administrative support but does not handle direct portfolio management for the advisors; and, Level Two, in which WWM provides back office administrative support AND portfolio management (through "Sub-Advisory Investment Management Services", separately engaged by an advisor with WWM - see below for description). 5. Sub-Advisory Investment Management Services for Advisors: WWM offers investment sub-advisory services to unaffiliated investment advisers. Unaffiliated RIAs may choose to engage WWM's Sub-Advisory Services for investment management of some or all of their clients' assets. WWM shall have day-to-day responsibility for the active discretionary management of the allocated assets through a limited power of attorney from the unaffiliated advisor's client. The unaffiliated advisor RIA shall continue to render investment advisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. WRAP FEE PROGRAMS Womack Wealth Management does not participate in wrap fee programs. 6  Assets under Management As of October 23, 2025, Womack Wealth Management managed approximately $402,592,001 of client assets. $388,644,900 are managed on a discretionary basis and $13,947,101 are managed on a non-discretionary basis. ITEM 5 – FEES AND COMPENSATION An introductory in-person meeting, deo conference, or phone call, to discuss a potential client's advisory needs and to describe our services, will not incur a fee. If, after the initial meeting, the potential client would like to engage our services and we believe they could be well served by our services, an engagement agreement and fee schedule will be proposed. All fees and minimums are negotiable at the discretion of the advisor. Investment Management and Consulting fees are based on the amount of assets under management (AUM) for a client per the fee schedule listed below. Adjustments to this fee schedule may be made on a client-by-client basis for various reasons such as advice related to non-standard assets and other factors affecting scope and complexity. Wealth Planning and Management fees are based on AUM, fixed (retainer) fees, and/or hourly fees (for non-recurring, special advisory projects) all of which are defined in individual client agreements. The complexity of the client’s situation and the scope of advisory services to be provided are considered when establishing the appropriate fees for the services. Assets under Management Advisory Fee 1.2% 1.0% 0.7% 0.5% 0.3% First $500,000 On assets in excess of $500,000 but less than or equal to $2,000,000 On assets in excess of $2,000,000 but less than or equal to $3,000,000 On assets in excess of $3,000,000 but less than or equal to $5,000,000 On assets in excess of $5,000,000 but less than or equal to $50,000,000 On assets greater than $50,000,000. negotiable WWM fees are invoiced and drawn from client accounts each quarter in-advance (with some exceptions where billing in-arrears is maintained for some WWM clients who moved from a prior advisor where they were previously billed in-arrears). When billed in-advance, if a client terminates prior to the quarter-end, WWM will return the pro-rata share of the fee to the client. For clients billed in-arrears, if a client terminates prior to the quarter-end, 7  WWM will collect a pro-rata share of the fee earned to the date of termination. Adjustments to the fee may be made if there has been a substantial capital in-flow or out- flow within the quarter. These adjustments would be detailed on the invoice copy sent to the client. In cases of accounts subject to certain state related taxes (such as gross receipts tax), WWM may collect the tax at the time of the fee bill. Advice may be provided for held-away assets (for assets not held in accounts where WWM can directly affect transactions). The size, complexity and service related to the held-away assets will all be considered when fees are established and would be defined in the client agreement. Financial Planning Services fees are established as a fixed one-time fee, or an ongoing fixed flat fee, and/or hourly fees. Hourly rates range from $50/hour to $500/hour depending on the complexity of the services and the staff level providing the services. Retirement Plan Rollover Recommendations - When leaving an employer, clients typically have four options regarding their existing retirement plan: (1) leave the assets in the former employer’s plan, if permitted, (2) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (3) roll over the assets to an Individual Retirement Account (“IRA”), or (4) take a full withdrawal in cash, which would result in ordinary income tax and a penalty tax if the person is under age 59 1/2. At times, as part of its services, the Firm recommends that clients roll over their 401(k) or other qualified plan assets to an IRA, this rollover recommendation presents a conflict of interest in that the Firm would receive compensation (or may increase current compensation) when investment advice is provided following the client’s decision to roll over plan assets. Clients who have assets in retirement accounts elsewhere would potentially pay a larger fee if rolled into an IRA or Roth IRA with WWM as the adviser. WWM will only recommend rollovers if it’s deemed in the best interest of the client. Instances where it may be in the best interest of the client include, but are not limited to, simplifying their account management (reduce the number of retirement accounts), having professional management of their account, limited investment options at current retirement plan, and/or high administrative fees. Prior to deciding, each client should carefully review the information regarding rollover options and are under no obligation to rollover retirement plan assets to an account managed by WWM. Turn-Key Asset Management Services for Advisors fees are negotiated on a case-by-case basis, based on the complexity of the administrative functions, number of administrative services requested, advisor revenues, asset size, and other variables. 8  Sub-Advisory Investment Management Services for Advisors fees are negotiated on a case- by-case basis, based on the complexity of the portfolios, restrictions placed on the portfolio, asset size, and other variables. Fees may be lower on Sub-Advisory services than to other direct clients of WWM for similar levels of assets due to the limited scope of service and other factors under the Sub-Advisory relationship. COMPENSATION FOR SALE OF SECURITIES OR OTHER INVESTMENT PRODUCTS WWM and all supervised persons do not accept compensation for the sale, referral, or marketing of any securities or investment products. Objectivity of advice. In order to remove potential conflicts of interest when advising clients, WWM and its individual advisors and employees do not accept fees, commissions or other compensation from any other party than the client. ITEM 6 – PERFORMANCED BASED FEES AND SIDE-BY-SIDE MANAGEMENT WWM does not charge any performance-based fees and does no side-by-side management. ITEM 7 – TYPE OF CLIENTS WWM manages investment portfolios for individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations and business entities. ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS WWM uses numerous sources of analysis to determine recommendations for client portfolios and investment strategies. Most of WWM’s services are based on long-term investment strategies incorporating the principles of Modern Portfolio Theory. WWM’s investment approach is rooted in the belief that markets are relatively efficient over long periods of time and that investors’ long-term returns are determined principally by asset allocation decisions, rather than market timing or stock picking. WWM generally selects or recommends portfolios of securities consisting principally of broadly traded, open-end mutual funds, ETF’s, fixed income securities and individual equities. Clients may hold or retain other types of assets as well, and WWM may offer advice regarding those various assets as part of its services. In the development of investment plans for clients, including the recommendation of an appropriate asset allocation, WWM relies on an analysis of the clients’ financial objectives, current and estimated future resources, and tolerance for risk. 9  WWM’s security analysis is based on several criteria, including academic research and literature, commercially available data sources and software (or web-based) technology, securities rating services, general market and financial information, internal due diligence and specific client-requested investment analysis. Investment strategies may include the use of long-term purchases, short term purchases, and trading (securities sold within 30 days). Margin transactions and options writing may be used if appropriate to client risk tolerance, objectives, and individual needs. WWM’s strategies do not generally recommend frequent trading which could increase costs and taxes. Investing in securities involves risk of loss that client should be prepared to bear. Recommendations to advisory clients are reviewed to confirm the suitability of the product in regard to each client’s portfolio objectives, time frames, and risk tolerance, as well as any other relevant restrictions or circumstances. ITEM 9 – DISCIPLINARY INFORMATION The Owner and Principal(s) have not been involved in any material legal or disciplinary events related to past or present investment clients or investors. There are no disciplinary issues that are currently reportable to any State Securities Agency, the United States Securities and Exchange Commission or the Financial Industry Regulatory Authority. Neither the Owner, Principal(s), nor Womack Wealth Management, Inc. have any unsettled current. or pending actions, civil or criminal or administrative with domestic or foreign courts, or self-regulatory authorities. ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Womack Business Management, Inc.: Mr. Scott Womack is the Chief Executive Officer and President of Womack Business Management Inc. (WBM), a separate but affiliated company (through Mr. Womack's common ownership). Clients of Womack Wealth Management may freely choose to engage Womack Business Management, Inc. for their business management and (non-investment) family office services. Womack Business Management, Inc., also may suggest that a client engage Womack Wealth Management, Inc. for investment advisory services. Clients may choose to engage either company for the respective services provided by each but are under no obligation to engage any service from either independent company. There are no referral fees paid from Womack Business Management, Inc. to WWM, or from WWM to Womack Business Management, Inc. 10  Mr. Womack’s position in both companies may create a conflict of interest, however the conflict is fully disclosed to clients and each company is separately incorporated, has separate financial books and records and has separate associated personnel. Robert S. Seltzer, C.P.A./P.F.S.: Investment Advisor Representative Robert Seltzer, an associate of Womack Wealth Management, also owns and operates a separate California C- Corporation, "Seltzer Business Management, Inc.", which provides tax, accounting, and business consulting/management services. Tax, accounting, and other services provided by Robert S. Seltzer, CPA/PFS's CPA firm are engaged independently of the separate and d i s t i n c t services of Womack Wealth Management, and are provided for separate and typical compensation. Womack Wealth Management does not provide tax preparation services. Womack Business Management (owned by Mr. Womack - see above) has assisted in WBM clients engaging Robert S. Seltzer's CPA firm (among other firms) in the past and may continue to do so in the future but neither WWM, WBM, nor our clients are under any obligation to engage his CPA firm's services. Additionally, no referral fees are paid by WWM, WBM or Robert S. Seltzer, CPA/PFS between any of the parties within this group. Robert S. Seltzer, CPA/PFS, may refer his tax and accounting clients to WWM for fiduciary investment consulting and wealth management/planning services for which he would serve as the Investment Advisor Representative of WWM. Mr. Seltzer’s position in both companies may create a conflict of interest, however the conflict is fully disclosed to clients and each company is separately incorporated, has separate financial books and records and has separate associated personnel. ITEM 11 – CODE OF ETHICS WWM has adopted a Code of Ethics based upon the principle that officers and employees of WWM owe a fiduciary duty to clients for whom WWM acts as investment adviser or sub- adviser. Accordingly, officers and employees of WWM are responsible for conducting personal trading activities in a manner that does not interfere with a client’s portfolio transactions or take improper advantage of a relationship with any client. The fundamental position of the Adviser is that, in effecting personal securities transactions, personnel of the Adviser must place at all times the interests of clients ahead of their own pecuniary interests. All personal securities transactions by these persons must be conducted in accordance with the Code of Ethics and in a manner to avoid any actual or potential conflict of interest or any abuse of any person’s position of trust and responsibility. Further, these persons should not take inappropriate advantage of their positions with or on behalf of a client. 11  Employees of the firm are generally precluded from buying or selling securities for their personal portfolio(s) if their decision is substantially derived, from information obtained through his or her employment unless the information relating to the investment decision is also available to the investing public on reasonable inquiry. WWM employees are directed to abide by and act in accordance with all applicable Federal and State regulations. Individuals who fail to comply with the firm's policies and procedures may be subject to sanctions and disciplinary action, including termination of employment. WWM’s policy allows employees to maintain and trade in personal securities accounts provided any personal investing by an employee in any accounts in which the employee has a beneficial interest, including any accounts for any immediate family or household members, is consistent with WWM’s fiduciary duty to its clients and consistent with regulatory requirements. WWM’s policy encourages investment freedom and fosters a continuing personal interest in investments for WWM’s employees who are responsible for the supervision and management of client portfolios. The key elements of WWM’s Code of Ethics can be summarized as follows: • WWM expressly prohibits Supervised Persons from placing his or her interests ahead of its advisory clients. • WWM’s Supervised Persons are not permitted to benefit at the expense of a client with respect to a transaction in a security on the same-day any client purchases or sells the same security, except for certain inadvertent same-day transactions exempted by the President or Chief Compliance Officer. • Supervised Persons’ reportable personal securities transactions are to be submitted to the Chief Compliance Officer for review regarding compliance with WWM’s Code of Ethics. • Supervised Persons are discouraged from conducting frequent personal trading. • Supervised persons are generally prohibited from serving as board members of publicly traded companies unless an exception has been granted by the Chief Compliance Officer. • Prior written permission by the WWM President or Chief Compliance Officer is required before an employee can accept any outside employment. • WWM’s employees generally may not give or accept gifts and entertainment that are inappropriate or could be seen as overly generous or which could influence employee decision-making. In the normal course of business, WWM may provide gifts and gratuities to various individuals or entities such as clients, vendors, consultants, and service providers. These gifts and gratuities are not premised upon any potential benefit to WWM. 12  • WWM’s employees may invest in unregistered investment funds that WWM has recommended to clients, but only with the prior written permission of the Chief Compliance Officer. A copy of the complete WWM Code of Ethics is available to any client or prospective client upon request. ITEM 12 – BROKERAGE PRACTICES WWM has relationships with Fidelity Brokerage Services LLC and Charles Schwab to act as custodians for client assets and securities. FIDELITY SERVICES Womack Wealth Management is independently operated and owned and is not affiliated with Fidelity. WWM has an arrangement with National Financial Services LLC and Fidelity Brokerage Services LLC (collectively, and together with all affiliates, "Fidelity") through which Fidelity provides WWM with institutional platform services. The institutional platform services include, among others, brokerage, custody, and other related services. Fidelity's institutional platform services that assist WWM in managing and administering clients' accounts include software and other technology that (i) provide access to client account data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregated trade orders for multiple client accounts; (iii) provide research, pricing and other market data; (iv) facilitate payment of fees from its clients' accounts; and (v) assist with back-office functions, recordkeeping and client reporting. Fidelity also offers other services intended to help WWM manage and further develop its advisory practice. Such services include, but are not limited to, performance reporting, financial planning, contact management systems, third party research, publications, access to educational conferences, roundtables and webinars, practice management resources, access to consultants and other third-party service providers who provide a wide array of business related services and technology with whom WWM may contract directly. Fidelity generally does not charge its advisor clients separately for custody services but is compensated by account holders through commissions and other transaction-related or asset-based fees for securities trades that are executed through Fidelity or that settle into Fidelity accounts (i.e., transactions fees are charged for certain no-load mutual funds, commissions are charged for individual equity and debt securities transactions). Fidelity provides access to many ETFs and no-load mutual funds without transaction charges and other no-load funds at nominal transaction charges. 13  Fidelity is providing WWM with certain brokerage and research products and services that qualify as "brokerage or research services" under Section 28(e) of the Securities Exchange Act of 1934 ("Exchange Act"). SCHWAB SERVICES Womack Wealth Management is independently owned and operated and is not affiliated with Schwab. WWM does not maintain custody of your assets that we manage at Charles Schwab & Co. Inc. (Schwab); although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see Item 15 – Custody, below). Your assets must be maintained in an account at a “qualified custodian,” generally a broker-dealer or bank. We may recommend that our clients use Schwab, a registered broker-dealer, member SIPC, as the qualified custodian. Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we may recommend that you use Schwab as custodian/broker, you will decide whether to do so and will open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you, although we may assist you in doing so. Even though your account is maintained at Schwab, we can still use other brokers to execute trades for your account as described below (see “Your Brokerage and Custody Costs”). We seek to recommend or select a custodian/broker who will hold your assets and execute transactions on terms that are, overall, most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others: • Combination of transaction execution services and asset custody services (generally without a separate fee for custody) • Capability to execute, clear, and settle trades (buy and sell securities for your account) • Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) • Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds [ETFs], etc.) • Availability of investment research and tools that assist us in making investment decisions • Quality of services • Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices 14  • Reputation, financial strength, and stability • Prior service to us and our other clients • Availability of other products and services that benefit us, as discussed below (see “Products and Services Available to Us from Schwab”) For our clients’ accounts that Schwab maintains, Schwab generally does not charge you separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your Schwab account. This commitment benefits you because the overall commission rates you pay are lower than they would be otherwise. In addition to commissions, Schwab charges you a flat dollar amount as a “prime broker” or “trade away” fee for each trade that we have executed by a different broker- dealer but where the securities bought or the funds from the securities sold are deposited (settled) into your Schwab account. These fees are in addition to the commissions or other compensation you pay the executing broker-dealer. Because of this, in order to minimize your trading costs, we have Schwab execute most trades for your account. We have determined that having Schwab execute most trades for assets held at Schwab is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above. Schwab Advisor Services™ (formerly called Schwab Institutional®) is Schwab’s business serving independent investment advisory firms like us. They provide us and our clients with access to its institutional brokerage—trading, custody, reporting, and related services— many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts; while others help us manage and grow our business. Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit you and your account. Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: 15  • Provide access to client account data (such as duplicate trade confirmations and account statements) • Facilitate trade execution and allocate aggregated trade orders for multiple client accounts • Provide pricing and other market data • Facilitate payment of our fees from our clients’ accounts • Assist with back-office functions, recordkeeping, and client reporting • Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: o Educational conferences and events o Consulting on technology, compliance, legal, and business needs o Publications and conferences on practice management and business succession o Access to employee benefits providers, human capital consultants, and insurance providers Schwab may provide some of these services itself. In other cases, it will arrange for third- party vendors to provide the services to us. Schwab may also discount or waive its fees for some of these services or pay all or a part of a third party’s fees. Schwab may also provide us with other benefits, such as occasional business entertainment of our personnel. Aggregated Trades WWM utilizes the trading platform provided by ORION Advisor Services. This platform allows WWM to improve efficiency by offering multiple trading options including transaction aggregation in order to help meet our responsibility to seek best execution for Clients (which includes the duty to seek best price), by executing block trades. It is possible that multiple aggregate transactions in a security could be executed within the same business day. No WWM Client will be favored over any other Client in the allocation of a specific block trade; each Client that takes part in an aggregated order will participate at the average share price for all WWM clients included in that aggregated transaction. Notwithstanding the foregoing, the order may be allocated on a different basis as long as all Client accounts receive fair and equitable treatment. ITEM 13 – REVIEW OF ACCOUNTS Scott Womack, President and Chief Compliance Officer and/or associated persons, review all accounts on a daily basis by assessing global cash balance reports reflecting all deposits, withdrawals, buys, sells, calls, redemptions, etc. More in-depth reviews of accounts will take place at least quarterly and other ad hoc reviews may be necessary due to the client’s 16  individual circumstances, economic conditions, or general factors affecting specific investments. Clients are encouraged to review investment management, consulting, planning, and/or other related advisory services provided by WWM on an annual basis. This may be done in person, by phone or other means of communication. All clients (except those utilizing employee benefit retirement plan services) will receive, and/or have digital access to, quarterly performance reports prepared by WWM which summarize the client’s account(s) and asset allocation among other details. Clients should also receive monthly and/or quarterly statements from their account custodian. ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION WWM and its employees do not accept compensation for client referrals, nor pay compensation for client referrals. WWM may, from time to time, receive expense reimbursements for travel and/or marketing expenses from distributors of investment and/or insurance products. Travel expense reimbursements are typically a result of attendance at due diligence and/or investment training events hosted by product sponsors. Marketing expense reimbursements are typically the result of informal expense sharing arrangements in which product sponsors may underwrite costs incurred for marketing such as client appreciation events, advertising, publishing, and seminar expenses. Although receipt of these travel and marketing expense reimbursements are not predicated upon specific sales quotas, the product sponsor reimbursements are typically made by those sponsors for which sales have been made or for which it is anticipated sales will be made. This creates a conflict of interest in that there is an incentive to recommend certain products and investments based on the receipt of these reimbursements instead of what is in the best interest of our clients. We attempt to control for this conflict by always basing investment decisions on the individual needs of our clients. The other professional compensation Mr. Womack receives in addition to his WWM advisory business is compensation from Womack Business Management, Inc., a separate business owned and operated by Mr. Womack. ITEM 15 - CUSTODY Clients should receive statements monthly or quarterly, digitally or by regular mail, from the broker-dealer, bank or other qualified custodian that holds and maintains our clients’ investment assets. WWM urges clients to carefully review these statements and compare such official custodial records to the account statements and portfolio reports that WWM 17  provides. Our reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. WWM may also be deemed to have custody over the funds and securities of accounts for which it or its related persons have power of attorney, bank signatory powers, login credentials for investment or other accounts, and/or serve as trustee. ITEM 16 – INVESTMENT DISCRETION WWM must be provided with written authority to determine which securities and the amounts of securities that are to be bought or sold. Any limitations on this discretionary authority shall be included in the written advisory agreement. Clients may amend these limitations as desired so long as such amendments are submitted in writing. ITEM 17 – VOTING CLIENT SECURITIES As a matter of firm policy and practice, WWM does not accept the authority to and does not vote proxies on behalf of advisory clients. However, money managers we may select may vote proxies for a client. Therefore, except in the event a money manager votes proxies, the client retains the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. Client shall instruct their qualified custodians and/or the issuers of securities held in client's investment portfolios (whichever applies) to deliver to the client all applicable proxies and shareholder communications relating to the client's investment assets. However, WWM in some cases, when specifically requested, may provide advice to client regarding the client's' voting of proxies. ITEM 18 – FINANCIAL INFORMATION Registered Investment Advisers (RIAs) are required to provide you with certain financial information or disclosures about the RIA’s financial condition. WWM has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. WWM does not require prepayment of $1,200 or more in fees six months or more in advance for any of the Company’s services. 18  FORM ADV – PART 2B (Brochure Supplement) SUPERVISED PERSON BROCHURE Womack Wealth Management, Inc. Principal Business Office Address: 904 Manhattan Ave., Suite 9, Manhattan Beach, CA 90266 888-314-5554 www.womackwealthmanagement.com This Brochure Supplement provides information about certain Womack Wealth Management employees listed below that supplements the Womack Wealth Management "Firm Brochure" (Form ADV - Part 2A). Please contact Womack Wealth Management at (888)314-5554 or in writing at the Principal Business Office Address listed above if you did not receive Womack Wealth Management's Firm Brochure of if you have any questions about the contents of this supplement. Additional information about Scott H. Womack, President and Compliance Officer of Womack Wealth Management is available on the SEC’s website at www.adviserinfo.sec.gov. 19  Scott H. Womack, born 1969: Education: • University of Colorado, Boulder, CO - Bachelor of Arts, Economics (Finance emphasis), 1993 Business Experience: • President and CEO, Womack Wealth Management, Inc., February 2008 to Present • President and CEO, Womack Business Management, Inc., February 2008 to Present • Director, Sports and Entertainment Business Management and Family Office Wealth Management UASNM, Inc. d/b/a Universal Advisory Services, June 2002 to February 2008 • Raymond James Financial Services, Inc., Financial Advisor, February 2002 to February 2008 • Morgan Stanley, Associate Vice President, Financial Advisor, August 1995 to May 2002 • NM Capital Management, Analyst/Performance Reconciliation, June 1995 to August 1995 Licensure and Certification: • Uniform Investment Adviser Law Examination (Series 65). The Series 65 exam covers laws, regulations, ethics and topics such as retirement planning, portfolio management strategies and fiduciary responsibilities. Successful completion of the Series 65 exam qualifies an investment professional to function as an Investment Adviser Representative in certain states. The Series 65 qualification examination has 130 questions with three hours of testing time and is administered by FINRA. Other Business Activities: Womack Business Management, Inc.: Mr. Scott Womack is the Chief Executive Officer and President of Womack Business Management Inc. (WBM), a separate but affiliated company (through Mr. Womack's common ownership). Clients of Womack Wealth Management may freely choose to engage Womack Business Management, Inc. for their business management and (non-investment) family office services. Womack Business Management, Inc., may also suggest that a client engage Womack Wealth Management, Inc. for investment advisory services. Clients may choose to engage either company for the respective services provided by each but are under no obligation to engage any service from either independent company. There are no referral fees paid from Womack Business Management, Inc. to WWM, or from WWM to Womack Business Management, Inc. Mr. Womack’s position in both companies may create a conflict of interest, however the conflict is fully disclosed to clients and each company is separately incorporated, has separate financial books and records and has separate associated personnel. 20  Charles H. Womack, born 1941: Education: • University of Texas El Paso, Bachelor of Science Civil Engineering • University of Texas and University of New Mexico graduate studies in Economics and Finance • Wharton Business School, Pennsylvania, Certified Investment Management Analyst (CIMA®) Business Experience: • Executive Vice President and Principal of Womack Wealth management, March 2012 - current • Deputy State Investment Officer for the multi-billion New Mexico Permanent Fund, 2 years • Managing Director and Principal of NM Capital Management (Investment advisory firm with over one billion dollars in managed assets for clients), 14 years • Senior VP and National Director for Separately Managed Accounts for The John Hancock Financial Services in Boston and NM Capital Management, 7 years Institutional Stock and Bond Broker with UBS Financial Services and Merrill Lynch, 16 years • Regional Vice President for The Eaton Vance Corporation of Boston, 6 years • • Equity and Fixed Income Portfolio Manager, 25 years (Note: Some of the above positions held concurrently) Licensure and Certification: • Uniform Investment Adviser Law Examination (Series 65). The Series 65 exam covers laws, regulations, ethics and topics such as retirement planning, portfolio management strategies and fiduciary responsibilities. Successful completion of the Series 65 exam qualifies an investment professional to function as an Investment Adviser Representative in certain states. The Series 65 qualification examination has 130 questions with three hours of testing time and is administered by FINRA. • General Securities Principal (Series 24). The FINRA General Securities Principal Qualification Examination (Series 24) is a securities license entitling the holder to supervise and manage branch activities and is designed to test a candidate's knowledge of the rules and statutory provisions applicable to the management of a general securities broker-dealer. 20  Robert Seltzer, CPA./PFSTM. born 1962: Education: • University of California Santa Barbara, Bachelor of Arts Business Economics • University of California Los Angeles Extension, Personal Financial SpecialistTM, Professional Designation Business Experience: • Vice President, Wealth Manager of Womack Wealth Management, March 2014 - current • CPA, Seltzer Business Management, Inc. (Specializing in Taxes, Accounting, Business Management, and Financial Planning), 1993 - current • Tax Accountant, Mescheres, Campeas, Thompson & Snyder (CPA firm specializing in business management for entertainers), 1989-1992 Licensure and Certification: • Certified Public Accountant (C.P.A.) in the State of California. Accountants earn their CPA once they have passed the Uniform Certified Public Accountant Examination and met state or jurisdiction-specific education and experience requirements. All state and jurisdiction Boards of Accountancy require CPA candidates to have a bachelor’s degree at minimum with 150 semester hours of credit and specific amount of on-the-job training. CPA license renewal through all state and jurisdiction boards is contingent upon taking part in continuing professional education courses. CPAs in the State of California are required to do eighty hours of continuing education every two years. • Personal Financial Specialist (P.F.S.), accredited by the American Institute of Certified Public Accountants (AICPA). A minimum of seventy five hours of personal financial planning education within the five-year period preceding the date of the PFS application is required. The CPA/PFS candidate must successfully pass a Personal Professional Planning (PFP)-related exam. Other Business Activities: Robert S. Seltzer, C.P.A./P.F.S.: Investment Advisor Representative Robert Seltzer, an associate of Womack Wealth Management, also owns and operates a separate California corporation, "Seltzer Business Management, Inc.", which provides tax, accounting, and business consulting/management services. Tax, accounting, and other services provided by Robert S. Seltzer, CPA/PFS's CPA firm are engaged independently of the separate and distinct services of Womack Wealth Management, and are provided for separate and typical compensation. Womack Wealth Management does not provide tax preparation services. Womack Business Management (owned by Mr. Womack - see above) has assisted in WBM clients engaging Robert S. Seltzer's CPA firm (among others) in the past and may continue to do so in the future but neither WWM, WBM, nor the clients are under any obligation to engage his CPA firm's services. Additionally, no referral fees are paid by WWM, WBM or Robert S. Seltzer, CPA/PFS between any of the parties within this group. Robert S. Seltzer, CPA/PFS, may refer his tax and accounting clients to WWM for fiduciary investment 21  consulting and wealth management/planning services (for which he would serve as the Investment Advisor Representative of WWM). Mr. Seltzer’s position in both companies may create a conflict of interest, however the conflict is fully disclosed to clients and each company is separately incorporated, has separate financial books and records and has separate associated personnel. 22  Terry W. Edwards, born 1955: Education: University of New Mexico, Albuquerque, New Mexico, M.B.A. Business Administration, 1994 Southern Methodist University, Dallas, Texas, B.B.A. Business Administration, 1977 Business Experience: • Vice President, Wealth Advisor of Womack Wealth Management, October 2017 - current • Registered Representative, Ameriprise Financial Services, September 2009 – October 2017 • Financial Advisor, Morgan Stanley Smith Barney, March 2004 - September 2009 • Owner, TWE Services, October 1999 – March 2004 • Planning Director, New Mexico Regulation and Licensing Department, May 1996 – October 1999 • Supervising Examiner, New Mexico Financial Institutions Division, May 1989 – April 1996 Licensure and Certification: • Uniform Investment Adviser Law Examination (Series 65). The Series 65 exam covers laws, regulations, ethics and topics such as retirement planning, portfolio management strategies and fiduciary responsibilities. Successful completion of the Series 65 exam qualifies an investment professional to function as an Investment Adviser Representative in certain states. The Series 65 qualification examination has 130 questions with three hours of testing time and is administered by FINRA. 23  Christopher B. Packard, born 1976: Education: Pepperdine University, Malibu, California, B.A. International Business, 1999 Business Experience: • Vice President, Wealth Advisor of Womack Wealth Management, September 2017 – current • Financial Advisor, Morgan Stanley Private Bank, February 2015 – September 2017 • Private Wealth Advisor, Morgan Stanley, September 2017 - September 2017 • Managing Director, Packard Brothers Empreendimentos Limitada, March 2008 – March 2014 • Financial Advisor, Merrill Lynch, October 2002 – February 2008 Licensure and Certification: • Uniform Investment Adviser Law Examination (Series 65). The Series 65 exam covers laws, regulations, ethics and topics such as retirement planning, portfolio management strategies and fiduciary responsibilities. Successful completion of the Series 65 exam qualifies an investment professional to function as an Investment Adviser Representative in certain states. The Series 65 qualification examination has 130 questions with three hours of testing time and is administered by FINRA. 24  Womack Wealth Management, Inc. 904 Manhattan Ave, Suite 9 Manhattan Beach, CA 90266 (888) 314-5554 - scottw@womackwm.com PRIVACY POLICY Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law. Federal law gives the customer the right to limit some but not all sharing of personal information. It also requires us to tell you how we collect, share, and protect your personal information. TYPES OF NONPUBLIC PERSONAL INFORMATION (NPI) WE COLLECT If you are a new customer we may begin sharing your information on the day you sign our agreement. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization. This can include but is not limited to your Social Security Number, Date of Birth, Banking Information, Financial Account Numbers and/or Balances, Sources of Income, and Credit Card Numbers or Information. When you are no longer our customer, we may continue to share your information only as described in this notice. PROTECTING THE CONFIDENTIALITY OF CURRENT AND FORMER CLIENT’S INFORMATION To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and building. PARTIES TO WHOM WE DISCLOSE INFORMATION FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT SHARING – OPTING OUT All Investment Advisers may need to share personal information to run their everyday business. In the section below, we list the reasons that we may share your personal information:  For everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus;  For our marketing – to offer our products and Federal law allows you the right to limit the sharing of your NPI by “opting-out” of the following: sharing for non-affiliates’ everyday business purposes – information about your creditworthiness; or sharing with affiliates or non-affiliates who use your information to market to you. State laws and individual companies may give you additional rights to limit sharing. Please notify us immediately if you choose to opt out of these types of sharing. services to you;  For joint marketing with other financial companies;  For our affiliates’ everyday business purposes – information about your transactions and experiences and information about your creditworthiness; or  For affiliates and non-affiliates to market to you. DEFINITIONS: Affiliates – companies related by common ownership or control. They can be financial and non-financial companies; Non-affiliates – companies not related by common ownership or control. They can be financial and non-financial companies; Joint marketing – a formal agreement between non-affiliated financial companies that together market financial products or services to you. 25 Please call if you have any questions. Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us.