Item 5 Additional Compensation22 Item 6 Supervision22 Item 7 Requirements for State Registered Advisers22 Description of Firm Wyze Wealth Advisors, LLC initially filed for registration with the SEC in March of 2024. We were founded in February of 2024. Ron Wyatt is the principal owner and Chief Compliance Officer of Wyze Wealth. We are organized as a corporation under the laws of the State of Pennsylvania.
The following paragraphs describe our services and fees. Refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to clients’ needs. As used in this brochure, the words "we," "our," and "us" refer to Wyze Wealth Advisors, LLC or Wyze Wealth, and the words "you," "your," and "clients" refer to you as either clients or prospective clients of our firm.
Investment Advisory Services (Stand-Alone) For those individuals who do not wish to engage Wyze Wealth for Wealth Management Services (described below), Wyze Wealth offers its Investment Advisory Services (IAS) platform. Under IAS, clients receive services limited to Wyze Wealth’s asset allocation, security selection, and portfolio rebalancing. IAS portfolios typically utilize ETFs, mutual funds, and interval funds.
We may also recommend our direct stock ownership strategy, Wyze Direct, or private pooled investments to certain clients. For additional information, please refer to Item 8 of this brochure.
IAS may address certain financial planning issues but is not designed to deliver comprehensive financial planning services. IAS clients receive an annual investment review. We provide additional reviews when changes in clients’ circumstances necessitate a review of the investment plan.
Wealth Management Services (Financial Planning + Investment Advisory) In a Wealth Management relationship, clients work one-on-one with a financial planner for an extended period. Wealth Management clients pay an ongoing fee for continuous access to an advisor who designs, monitors, and updates their financial plan in accordance with their life circumstances.
Continuous updates ensure the plan remains aligned with clients’ goals and financial resources.
The financial planning process is comprehensive. It begins with a consultative, discussion-oriented discovery process to identify clients’ goals and values. A deep understanding of “soft factors,” such as personal values and attitudes toward material wealth, is critical to effectively advising clients. Clients are more likely to implement financial planning recommendations aligned with their values and personal views of wealth and its purpose.
Our financial planning process focuses on the following areas: Retirement Planning: For most clients, determining the likelihood of achieving and maintaining financial independence at a particular age is a primary goal. For many clients, this goal is what motivated them to seek wealth management services. The primary tool for retirement planning is a projection reflecting clients’ goals and financial resources. We stress-test this scenario using Monte Carlo analysis to estimate the probability of success. If we judge the probability of success as too low or see opportunities to increase it, we make recommendations for improvement. Typical recommendations involve adjustments related to the timing of major events such as retirement, spending patterns, savings rates, legacy amounts, and investment risk. For clients nearing retirement or who have already retired, we advise on distribution strategies for minimizing longevity risk (the risk of outliving their financial assets) and the risk of needing to significantly curtail their lifestyle during retirement.
Risk Management: A risk management review includes an analysis of exposure to significant risks that could adversely impact clients’ lifestyles and finances. These risks typically include death, disability, property and casualty losses, and long-term care needs. 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”).
Tax Planning Strategies: We actively seek to identify opportunities to reduce current and future income taxes. For example, we may make recommendations on ROTH IRA Conversions and which type of account(s) and 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 affect your situation.
We recommend clients consult with a qualified tax professional before implementing any tax planning strategy. We can provide contact information for accountants or attorneys specializing in this area.
When needed, we participate in joint meetings or phone calls with clients and tax professionals to discuss tax planning matters. We do not share clients’ information with outside parties without their consent.
Estate Planning: Estate planning consists primarily of reviewing clients’ existing estate plans and any exposure to estate taxes. A review of any existing estate documents, such as trusts, wills, and powers of attorney, is critical to estate planning analysis. Where appropriate, we provide advice on avoiding potential estate taxes. For clients subject to estate tax, we can provide recommendations for minimizing the amount of tax and ensuring liquidity is available for paying estate taxes due upon death. Advanced estate planning strategies typically involve establishing trusts and other legal entities.
We recommend clients consult with a qualified attorney before implementing a new estate plan or changing an existing one. We can provide contact information for attorneys who specialize in this area.
When needed, we participate in joint meetings or phone calls with clients and attorneys to discuss estate planning matters. We do not share clients’ information with

outside parties without their consent.
Investment Analysis: We evaluate clients’ current asset mixes for risk exposures and return potential.
In the financial planning context, our objective is to assess the probability of the current portfolio achieving clients’ goals with an appropriate level of risk. We may recommend changes to clients’ asset allocations to better align portfolios with their goals or balance risk with return potential. We may also provide analysis on investment vehicles and strategies, review employee stock incentive and retirement plans, and assist clients with establishing investment accounts at a custodian. Our investment philosophy and strategies are discussed further in Item 8 of this brochure.
Employee Benefits Optimization: We review employee benefits to assess whether clients are maximizing the benefits available to them. For business owners, we may recommend benefit programs to achieve the owners’ objectives. These can include programs such as health insurance and retirement plans.
Business Planning: We provide consulting services for clients who operate their own business, are considering starting a business, or are planning to exit their current business. This type of engagement is similar to our financial planning process but tailored to the unique needs of business owners.
Cash Flow and Debt Management: We review income and expenses to assess clients’ cash flow. We may advise on allocating any surplus cash or recommend reducing expenses if clients are in deficit. For clients carrying debt, we may advise on priorities for debt payoffs or refinancing based on interest rates and tax considerations. We also evaluate the need for cash reserves to cover emergencies and near-term financial goals. We may recommend money market accounts or other savings vehicles to hold cash reserves.
College Savings: For many clients, funding college or other post-secondary education expenses is an important goal second only to financial independence. We provide projections of costs associated with clients’ education goals. We can also recommend savings strategies for funding education expenses. If applicable, we will review eligibility for financial aid. For clients who are grandparents or have educational funding goals for someone other than a child, we can advise on strategies for achieving this.
Clients’ financial plans may address some or all of these areas. Financial planning is a consultative process. Clients and advisors work together to determine which areas to address. Clients are not obligated to implement any recommendation we make. If clients implement a recommendation, they may use their preferred service providers.
Once the financial planning analysis is complete, the advisor reviews the plan with the clients. Clients receive a paper or digital report summarizing the facts and goals of their cases. From there, we follow up to address additional questions or concerns and assist with implementation. We continuously monitor the plan if clients choose to proceed with a financial planning relationship. We conduct a full plan review annually but may schedule additional reviews or check-ins if changes in circumstances materially impact the plan. This ongoing review process ensures plans remain current and appropriate.
We manage individually tailored investment portfolios on a discretionary basis. We provide ongoing investment advice based on individual clients’ needs. Through our discovery process, we identify clients’ goals and develop a holistic understanding of clients as people. This allows us to create a personalized investment policy. The investment policy establishes a target asset allocation. It considers clients’ objectives, time horizon, risk tolerance, and liquidity constraints. When developing an investment policy, we may also consider clients’ prior investment history, family history, and personal background.
Clients’ objectives (i.e. maximum capital appreciation, growth, growth and income, income) and tax considerations guide account supervision. Clients may impose reasonable restrictions on investing in specific securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure.
Wrap Fee Programs We do not participate in any wrap-fee programs.
IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to clients and prospective clients.
When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with clients’ interests, so we operate under a special rule that requires us to act in their best interest and not put our interests ahead of theirs.
Under this special rule's provisions, we must: ● Meet a professional standard of care when making investment recommendations (give prudent advice); ● Never put our financial interests ahead of clients when making recommendations (give loyal advice); ● Avoid misleading statements about conflicts of interest, fees, and investments; ● Follow policies and procedures designed to ensure that we give advice that is in clients’ best interest; ● Charge no more than is reasonable for our services; and ● Give clients basic information about conflicts of interest.
We benefit financially from the rollover of clients’ assets from a retirement account to an account that we manage or provide investment advice because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in clients’ best interest.
Assets Under Management We currently report $210 million in discretionary and $9 million in non-discretionary Assets Under Management. Assets Under Management were calculated as of January 31, 2024.