Spahn Wealth & Retirement LLC

Item 5, Fees and Compensation), and conflicts of interest (see Item 10, Other Financial Industry Activities and
    Affiliations).
    In the event of material changes to the information outlined in this Brochure, we will provide updates and
    amendments to clients within a reasonable time frame, generally within thirty (30) days as required by advisory
    regulations. We acknowledge our responsibility to adhere to the standards established by the CFP Board’s
    Standards of Professional Conduct, including the duty of care of a fiduciary, as defined by the CFP Board.

SPAHN WEALTH & RETIREMENT BROCHURE                                                                               16

                                                                             Spahn Wealth & Retirement LLC

This Brochure supplement provides information about Investment Advisor Representative, Kyle R. Spahn,
CRD No. 2998865 that supplements the firm brochure of Spahn Wealth & Retirement LLC, CRD No.
285932. You should have received a copy of that brochure. Please contact Kyle R. Spahn (see contact
information below), if you did not receive the Spahn Wealth & Retirement Brochure or if you have any
questions about the contents of this supplement.

Additional information about Investment Advisor Representative, Kyle R. Spahn, CRD No. 2998865 can
be found on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by a search using
the investment advisor representative’s CRD number.

                           BROCHURE SUPPLEMENT
                                         (Form ADV Part 2B)

                                                  for

                                  Kyle R. Spahn, CFP®

                              Spahn Wealth & Retirement LLC
                              4310 North 75th Street
                              Scottsdale, Arizona 85251
                              Phone: (602) 730-6114
                              Text: (602) 833-5466
                              Fax: (602) 603-9903
                              Website: www.spahnwealth.com
                              Email: Kyle@spahnwealth.com

                                      March 23, 2026

BROCHURE SUPPLEMENT for Kyle R. Spahn CRD No. 2998865

EDUCATIONAL BACKGROUND & BUSINESS EXPERIENCE (Item 2)

Spahn Wealth & Retirement Requirements for Representative Employment
   We require that employees who provide advice on behalf of the firm have at least a 4-year college degree and
   no less than two (2) years of relevant work experience in the securities industry. Additionally, prospective
   employees must have taken and passed the requisite state advisory exam or earned a qualifying professional
   designation.
                                Investment Advisor Representative’s Information
                                            Kyle R. Spahn, CFP®
                                             Year of Birth: 1971
   Kyle R. Spahn formed Spahn Wealth & Retirement in 2016 to provide holistic investment advisory services to
   clients. Mr. Spahn’s financial background includes over 20 years of experience in the financial services industry,
   during which time he developed a specialty in portfolio management.

   Educational Background
   Bachelor of Science Geography, Arizona State University, Tempe, Arizona, 1997
   Professional Designations
   Certified Financial Planner or CFP®, 2004
   Certified Financial Planner, CFP®, and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”)
   are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc.
   (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial
   planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high
   standard of professional education, (2) stringent code of conduct and standards of practice, and (3) ethical requirements that
   govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in
   the United States.
   To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
   Education – Complete an advanced college-level course of study addressing the financial planning subject areas that the
   CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services
   and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign
   university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee
   benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
   Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over
   a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial
   planning issues and apply one’s knowledge of financial planning to real-world circumstances;
   Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured
   as 2,000 hours per year); and
   Ethics – Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical
   and practice standards for CFP® professionals.
   Individuals who become certified must complete ongoing education and ethics requirements in order to maintain the right
   to continue to use the CFP® marks.

   Business Experience
   Founder, Member, Investment Advisor Representative                                                          2016 to Present
     & Chief Compliance Officer
...

TYPES OF CLIENTS (Item 7)
   Our firm generally provides investment advice to individuals and high net worth individuals.
   We require a minimum of $250,000 for portfolio management services. Nonetheless, we reserve the right to
   waive the minimum investment requirement, at our discretion, based on other relevant factors, such as
   preexisting relationships, related accounts, and additional assets. As a result of the foregoing, some clients may
   have investment values that are less than the minimum portfolio value.
METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS