Client relationship summary

Dinergy Wealth Management, LLC (DWM) is registered with the State of Ohio Department of Securities as an investment adviser. Investment advisory and brokerage services and fees differ, and it is important for retail investors to understand the differences. Free tools are available to research advisory firms at Investor.gov/CRS, which also provides educational materials about investment advisers, broker-dealers and investing.

What services can you provide me?

DWM offers to retail investors, wealth management services, which is a combination of financial planning and investment management.

DWM’s financial planning service includes but is not limited to, cash flow planning, retirement planning, tax analysis, college funding analysis, insurance needs and estate planning. Any planning requiring the use of an allied professional, such as an attorney or an accountant, is a separate cost determined and invoiced by the allied professional.

DWM’s investment management service examines your current financial situation and financial goals as well as your attitudes and preferences toward financial risk to understand your objectives, risk tolerance, liquidity needs, time horizon, tax status, and any unique personal circumstances to develop your overall investment strategy. Generally, it is expected that your manageable financial assets are managed by us on a “discretionary” basis, meaning we are granted the authority by you to determine the securities or other assets to purchase or sell in the account. This discretion will remain in effect unless revoked by you or DWM. We will monitor your managed account on an ongoing basis as part of our standard service. We will purchase and sell securities and other assets in your account consistent with your stated investment objectives, limitations and restrictions. Investments consist mainly of mutual funds and exchange traded funds.

Requirements to open a wealth management account

DWM requires you to sign an agreement authorizing us to provide the services described above. The agreement can be revoked by either party at any time. DWM’s minimum account size for wealth management is $100,000, but we will accept accounts of lower value at our discretion.

Consider asking your advisor:

• Given my financial situation, should I choose an investment advisory service? Why or why not?
• How will you choose investments to recommend to me?
• What is your relevant experience, including your licenses, education, and other qualifications?
• What do these qualifications mean?

What fees will I pay?

Wealth management and investment management clients will pay a fee based on a percentage of the value of the assets for which we provide services but will not exceed 1.85%. Fees will generally be billed quarterly in advance at one fourth of the annual rate and are based on the market value of your account(s) as of the last business day of the preceding month. You may also pay additional charges imposed by custodians, mutual funds and other third parties such as transaction fees, wire transfer and electronic transfer fees. We do not receive any portion of these commissions or fees. You will pay fees and costs 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.

Consider asking your advisor:

• Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when acting as my investment adviser?

We are fiduciaries, meaning we are required to act in your best interest. We have a Code of Ethics describing our standards of business conduct as well as our fiduciary duties and potential conflicts of interest. All employees must comply with the Code.

How else does your firm make money and what conflicts of interest do you have?

DWM is a “fee-only” adviser, meaning our only form of revenue are fees from clients. We cannot accept fees or compensation from commissions, referrals, financial products, etc.

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money may create 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 is an example to help you understand what this means: When you purchase insurance products through Dinergy Insurance Agency, we may receive commission-based compensation related to that purchase. The receipt of this additional compensation may give us an incentive to recommend insurance products. You are under no obligation to purchase insurance or other products through Dinergy Insurance Agency.

How do your financial professionals make money?

Our financial professionals are compensated from a portion of the advisory fees you pay to us for providing investment advice to you or referring you to our firm. The portion will vary based on the advisory fee you pay but typically ranges from .73% to 0.90%.

Consider asking your advisor:

• How might your conflicts of interest affect me, and how will you address them?

No.

Visit Investor.gov/CRS for free and simple search tools to research DWM and our financial professionals.

Consider asking your advisor:

• As a financial professional, do you have any disciplinary history?
• If so, for what type of conduct?