Provident Wealth Management, LLC

Provident Wealth Management, LLC is a registered investment adviser based in Brentwood, Tennessee, established in 2004. The firm offers Portfolio Management and Investment Advisory Services, providing tailored financial advice and discretionary investment management. Clients' assets are typically custodied at Charles Schwab & Co., Inc. The firm requires clients to grant discretionary authority for account management, allowing for securities transactions without prior approval. PWM also offers investment advisory services beyond portfolio management, such as tax and estate planning advice, but does not provide legal, accounting, or insurance services directly. PWM's fee structure for portfolio management is tiered based on assets under management, ranging from 1.08% for initial assets up to $2,000,000 to 0.50% for assets over $20,000,000. Fees are billed quarterly and deducted directly from client accounts. The firm does not receive any portion of separate fees payable to custodians or mutual funds. PWM does not accept performance-based fees or engage in side-by-side management. The firm's investment strategies include technical, fundamental, and cyclical analysis, as well as long-term and short-term purchases. PWM emphasizes that investing in securities involves risk, and past performance is not indicative of future results. PWM does not have any disciplinary disclosures and does not receive soft dollar benefits from broker-dealers. Clients have the option to direct brokerage, but PWM generally recommends Schwab for execution and custodial services. PWM does not vote proxies on behalf of clients and does not provide financial information due to specific exemptions. Clients can contact PWM's Chief Compliance Officer for any questions or clarifications.