Last Updated on 03/25/2026.

IMPORTANT NOTICE: These Terms of Service govern your use of www.jmartinwm.com and are separate from any Form ADV disclosures, client agreements, or Form CRS (Client Relationship Summary) filed with the SEC. Nothing in these Terms creates or modifies an investment advisory relationship. Investment advisory services are provided by Tucker Asset Management LLC, an SEC-registered investment adviser, and are governed exclusively by a separate written advisory agreement and Form ADV disclosures.

1. Agreement to Terms

By accessing or using the J. Martin Wealth Management website at www.jmartinwm.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must immediately discontinue use of the Website.

These Terms apply to all visitors, users, and others who access or use the Website. J. Martin Wealth Management, LLC ("J. Martin Wealth," "we," "us," or "our") reserves the right to modify these Terms at any time. Continued use of the Website after any modification constitutes your acceptance of the revised Terms. The date of the most recent revision will always be displayed at the top of this page.

2. Website Purpose

This Website serves as an informational and marketing presence for J. Martin Wealth Management, LLC, a fee-based financial advisory firm serving individuals and families across Arizona. The Website is intended to:

• Describe the firm's services, philosophy, and locations

• Provide general educational content on retirement planning, tax strategies, and wealth management topics

• Facilitate initial contact and consultation scheduling with firm personnel

• Distribute publicly available financial commentary and third-party market updates

The Website is not intended to serve as a portal for investment account access, trade execution, or secure client-to-advisor communications.

3. Educational Purpose — No Investment, Tax, or Legal Advice

All content on this Website is provided for general educational and informational purposes only. Nothing on this Website constitutes investment advice, tax advice, legal advice, or a recommendation to buy or sell any security or financial product.

More specifically:

• Articles, blog posts, newsletters, market commentary, FAQ responses, and all other content published on this Website represent general information about financial planning concepts. They are not tailored to any individual's financial situation, goals, risk tolerance, or tax circumstances.

• References to specific strategies — including Roth conversions, Social Security timing, Required Minimum Distributions (RMDs), Medicare planning, or tax-efficient withdrawal sequencing — are educational illustrations only and do not constitute personalized recommendations.

• Third-party content accessed through this Website (including market updates from Taiber Kosmala, HCM, First Trust, or other sources) reflects the opinions of those third parties and does not represent the views or recommendations of J. Martin Wealth Management.

• Past performance of any investment strategy, index, or market data referenced on this Website is not indicative of future results.

You should consult with a qualified financial advisor, tax professional, or attorney before making any financial, investment, or legal decision. An advisory relationship with J. Martin Wealth Management is established only through a separate written client agreement and is subject to Form ADV disclosures provided at that time.

4. No Guarantee of Accuracy or Completeness

J. Martin Wealth Management makes reasonable efforts to ensure that information published on this Website is accurate and current at the time of publication. However, we do not warrant or represent that Website content is accurate, complete, reliable, current, or error-free.

Financial laws, tax rules, and regulatory requirements — including IRS regulations governing retirement accounts, Social Security Administration rules, and Medicare guidelines — change frequently. Content on this Website may not reflect the most recent legal or regulatory developments. You are solely responsible for verifying the accuracy and applicability of any information before relying on it.

J. Martin Wealth Management, its advisors, officers, directors, and affiliates expressly disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement, with respect to any Website content.

5. Electronic Communications

5A. Risks of Unencrypted Email

If you contact us through the contact form on this Website or by sending an email to a firm email address, please be aware of the following:

• Standard email is not a secure or encrypted communication channel. Information transmitted via unencrypted email may be intercepted, altered, or accessed by unauthorized parties during transmission.

• Do not transmit sensitive personal or financial information — including Social Security numbers, account numbers, tax information, or investment details — through the Website contact form or standard email.

• J. Martin Wealth Management cannot guarantee the confidentiality of information submitted through this Website or via email prior to the establishment of a formal advisory relationship and the use of secure client communication systems.

5B. Recordkeeping and Regulatory Obligations

J. Martin Wealth Management is subject to recordkeeping requirements applicable to SEC-registered investment advisers under the Investment Advisers Act of 1940 and related rules. Electronic communications received through this Website may be retained as part of those obligations.

By submitting information through this Website, you consent to J. Martin Wealth Management retaining such communications in accordance with applicable regulatory requirements. The firm's privacy practices with respect to information collected through this Website are governed by our separate Privacy Policy, available at www.jmartinwm.com/privacy-policy.

6. Intellectual Property

All content on this Website — including text, graphics, photographs, logos, icons, page layouts, software, and the compilation of all such content — is the property of J. Martin Wealth Management, LLC, or its licensors, and is protected by United States copyright, trademark, and other intellectual property laws.

You may access and use Website content solely for your personal, non-commercial informational use. You may not:

• Copy, reproduce, republish, upload, post, transmit, or distribute Website content in any form without prior written permission from J. Martin Wealth Management

• Modify or create derivative works based on Website content

• Use J. Martin Wealth Management's name, logos, or trademarks in any manner without express written consent

• Frame or mirror any portion of this Website on any other website or service

Requests for permission to reproduce or use Website content may be directed to info@jmartinwm.com.

7. Prohibited Use — Scraping and Unauthorized Data Use

This Website may display or link to third-party market data, interest rate information (including MYGA rates and related financial product data), and publicly available financial commentary. You agree that you will not:

• Use automated scripts, bots, crawlers, scrapers, or other data collection tools to extract, harvest, or copy content or data from this Website

• Access, copy, or use market data, rate information, or financial product data displayed on this Website for commercial purposes or redistribution without authorization from the applicable data provider

• Circumvent, disable, or interfere with security features of the Website or any features that prevent or restrict use or copying of Website content

• Use Website content to train artificial intelligence or machine learning models without express written consent

• Attempt to gain unauthorized access to any portion of the Website, or any systems or networks connected to the Website

Violation of this section may result in civil liability and may constitute a violation of the Computer Fraud and Abuse Act (18 U.S.C. § 1030) or other applicable law.

8. Acceptable Use

You agree to use this Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• In any way that violates applicable federal, state, or local law or regulation

• To transmit or facilitate the transmission of unsolicited or unauthorized advertising, promotional material, or spam

• To impersonate any person or entity, or falsely represent your affiliation with any person or entity

• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which may harm J. Martin Wealth Management or other Website users

• To introduce viruses, trojans, worms, or other malicious or technologically harmful material

9. Third-Party Links and Content

This Website contains links to third-party websites and resources, including but not limited to Tucker Asset Management LLC, First Trust, HCM (Howard Capital Management), Taiber Kosmala & Associates, and other financial information providers. These links are provided for informational convenience only.

J. Martin Wealth Management does not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party website. Linking to a third-party website does not constitute an endorsement of that site or its content.

When you leave this Website by following a third-party link, you are subject to the terms and privacy policies of that third-party site. J. Martin Wealth Management is not responsible for any loss or damage arising from your use of or reliance on any third-party content, products, or services.

J. Martin Wealth Management and J. Martin Wealth Management, LLC are independent of Tucker Asset Management LLC. Investment advisory services are offered through Tucker Asset Management LLC, an SEC-registered investment adviser. Registration with the SEC does not denote a specific level of skill or guarantee investment results.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, J. MARTIN WEALTH MANAGEMENT, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ITS CONTENT.

This limitation applies regardless of whether such damages are based in contract, tort (including negligence), strict liability, or any other legal theory, and even if J. Martin Wealth Management has been advised of the possibility of such damages.

In no event shall J. Martin Wealth Management's total liability to you for all claims arising from or related to this Website exceed one hundred dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless J. Martin Wealth Management, LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including any use of content, services, and products other than as expressly authorized in these Terms.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of such courts.

Nothing in these Terms limits your rights under applicable federal securities laws, including the Investment Advisers Act of 1940, or any SEC rules or regulations thereunder. These Terms do not modify, supersede, or create any rights or obligations under any separate advisory agreement, Form ADV disclosures, or Form CRS filed by Tucker Asset Management LLC with the SEC.

13. Relationship to Regulatory Disclosures

These Terms of Service govern only your access to and use of this publicly available Website. They are entirely separate from, and do not modify or supplement, the following regulatory documents:

• Form ADV Part 2A (Firm Brochure): Provides material information about Tucker Asset Management LLC advisory services, fees, conflicts of interest, and business practices. Available at wealthwatchadvisors.com or upon request.

• Form ADV Part 2B (Brochure Supplement): Provides information about individual investment adviser representatives.

• Form CRS (Client Relationship Summary / ADV Part 3): A standardized summary of the advisory relationship, services, fees, and conflicts. Provided to retail investors as required by SEC Regulation Best Interest.

• Client Advisory Agreement: The binding legal contract governing the advisory relationship between a client and Tucker Asset Management LLC.

If there is any conflict or inconsistency between these Terms and any of the above regulatory documents, the applicable regulatory document governs with respect to the advisory relationship.

14. Contact Information

If you have questions about these Terms of Service, please contact us:

J. Martin Wealth Management, LLC

Website: www.jmartinwm.com

Phone: (480) 630-6177

Mailing: Chandler, AZ 85286

Contact Form: www.jmartinwm.com/contact