Bradley Wealth, LLC dba Bleum Wealth (referred to herein as “we,” “us,” or “our”), is registered with the Securities and Exchange Commission as an investment advisor. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available for you to use to research firms and financial professionals at www.Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.

Important Bleum Wealth Disclosures

Information is educational only and not investment or tax advice. External links are educational, and do not imply
Betterment’s endorsement. All screenshots are for illustrative purposes only.

Who Provides What Service?

Investment Advice: Advisory services are provided by Bradley Wealth, LLC dba Bleum Wealth, an SEC-registered investment adviser. Bradley Wealth, LLC dba Bleum Wealth’s internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.

What Fees Will I Pay?

You will pay fees whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Bradley Wealth, LLC dba Bleum Wealth charges fees for investment advisory services. The advisory fee is 1.34%. Fees are billed monthly.

Bradley Wealth, LLC dba Bleum Wealth at Work: 401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Bradley Wealth, LLC dba Bleum Wealth, an SEC registered investment adviser.

No Bleum Wealth LLC Entity Is a Bank

Special Disclosure for Betterment Cash Reserve
Bleum Cash Reserve is offered by Betterment LLC and requires a Bradley Wealth, LLC dba Bleum Wealth Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks, where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds.

Let’s Talk About Risk

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature. Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. Before investing, consider your investment objectives and Bradley Wealth, LLC dba Bleum Wealth’s fees and expenses. For more details, see Bradley Wealth’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

What Are Your Legal Obligations to Me When Acting as My Investment Advisor? How Else Does Your Firm Make Money and What Conflicts Do You Have?

When we act as your investment advisor, we have a fiduciary duty to act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

Our legal obligation to you requires us to act with a substantial duty of care and to operate pursuant to a commitment of loyalty which means that we are required to provide advice and recommendations that are in your best interest.

In adhering to our duty of care mandate, we must obtain detailed information regarding your financial circumstances. We must ensure our recommendations align with those financial circumstances. We must also conduct due diligence regarding the investments we recommend to you and monitor our recommendations continually over the advisory relationship.

Our duty of loyalty to you requires our firm to provide advice that is free from self-interest and to always place your interests before our own. We must make full and fair disclosure of all material facts related to our advisory services. We are also required to avoid or disclose circumstances where our interests actually conflict, could potentially conflict, or have an appearance of conflict with your interests.

Do You or Your Financial Professionals Have a Legal or Disciplinary History

YES, our firm and some financial professionals have a legal or disciplinary history. Please visit www.Investor.gov/CRS for a free and simple search tool to research our firm and financial professionals. Ask your financial professional this question about our disciplinary history: As a financial professional, do you have any disciplinary history? For what type of conduct?

Additional Information

For additional information about our investment advisory services, please visit our website at www.bleumwealth.com or review our Brochure, as attached. If you would like additional, up-to-date information or a copy of this relationship summary. Please contact our chief compliance officer, Michael V. Bradley, by phone at (800) 573-8323 or email at michael@bleumwealth.com