GODSEY & GIBB INC

FORM ADV PART 2A: FIRM BROCHURE Godsey & Gibb Wealth Management 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2A Firm Brochure (“Brochure”) provides information about the qualifications and business practices of Godsey & Gibb Wealth Management, also doing business as Planned Ahead by Godsey & Gibb Wealth Management. If you have any questions about the contents of this brochure, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (SEC) or by any state securities authority. Registration with the SEC or with any state securities authority does not imply a certain level of skill or training. Additional information about Godsey & Gibb Wealth Management is also available on the SEC's website at www.adviserinfo.sec.gov. Godsey & Gibb Wealth Management’s CRD number is 105650.  ITEM 2 – MATERIAL CHANGES MATERIAL CHANGES "Material changes" refer to changes of ownership or control; location; disciplinary proceedings; significant changes to our advisory services or advisory affiliates—any information that is critical to a client's full understanding of who we are, how to find us, and how we do business. Material changes in this brochure since the last annual update dated March 22, 2024, are described below: • • • Item 4 has been amended to disclose that we have added a DBA name Planned Ahead by Godsey & Gibb Wealth Management to market our financial planning services. Item 4 has been amended to disclose that our financial planning services are now offered under two models—the Wealth Preservation & Distribution model intended for individuals who are retired or approaching retirement and the Wealth Accumulation model intended for individuals navigating the early-to-mid stages of financial growth. The fee arrangement for each model is disclosed in Item 5. Item 5 has been amended to disclose the updated fee arrangement for tax preparation services. NON-MATERIAL CHANGES From time to time, Godsey & Gibb Wealth Management may amend this brochure to reflect changes in response to evolving industry and securities regulations or routine annual updates as required by the SEC. Godsey & Gibb Wealth Management may also make revisions in an effort to clarify the descriptions of our business practices and policies, which may include minor updates to hyperlinks, contact information and punctuation, as necessary. Page 2 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  ITEM 3 – TABLE OF CONTENTS COVER PAGE MATERIAL CHANGES TABLE OF CONTENTS ADVISORY BUSINESS FEES AND COMPENSATION PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT TYPES OF CLIENTS METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS DISCIPLINARY INFORMATION 1 2 3 4 6 7 7 7 9 9 ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8 ITEM 9 ITEM 10 OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS ITEM 11 CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND 9 PERSONAL TRADING INVESTMENT DISCRETION ITEM 12 BROKERAGE PRACTICES ITEM 13 REVIEW OF ACCOUNTS ITEM 14 CLIENT REFERRALS AND OTHER COMPENSATION ITEM 15 CUSTODY ITEM 16 ITEM 17 VOTING CLIENT SECURITIES ITEM 18 FINANCIAL INFORMATION 10 11 11 12 13 13 13 Page 3 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  ITEM 4 – ADVISORY BUSINESS A. FIRM OVERVIEW Godsey & Gibb Wealth Management (“GGWM,” “Adviser,” or the “Firm”) is registered with the Securities and Exchange Commission (SEC) as a Registered Investment Adviser with its principal place of business located in Richmond, Virginia. The firm was formed in February 1985 as a Corporation organized in the State of Virginia. The principal shareholders controlling 25% or more of the Firm are Michael Reilly Gibb and the Gibb Family Stock Trust. For purposes of providing financial planning services to certain clients, GGWM is also doing business as Planned Ahead by Godsey & Gibb Wealth Management (“Planned Ahead”), whose brand name and logo may appear on client statements and other marketing material. GGWM representatives providing services to clients under this brand name are employed by and under the supervision of GGWM. WRITTEN ACKNOWLEDGMENT OF FIDUCIARY STATUS When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. B. DESCRIPTION OF SERVICES INDIVIDUAL PORTFOLIO MANAGEMENT GGWM offers ongoing individual portfolio management based on the individual objectives, time horizons, risk tolerance, and liquidity needs of each client. GGWM creates an Investment Objective Statement for each client, which outlines the client’s current financial situation (income, tax levels, risk tolerance, etc.). Individual portfolio management services include, but are not limited to the following: Investment strategy • • Asset allocation • Risk tolerance • Personal investment objective policy • Asset allocation • Regular portfolio monitoring GGWM will request discretionary authority from clients in order to select securities and execute transactions on the client’s behalf. GGWM generally limits its investment advice to fixed income securities, equities and ETFs. GGWM may use other securities as well to help diversify a portfolio. GGWM seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of GGWM’s economic, investment or other financial interests. To meet its fiduciary obligations, GGWM attempts to avoid investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, GGWM’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is GGWM’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. FINANCIAL PLANNING SERVICES GGWM provides ongoing as well as project-based financial planning services encompassing all or some of the financial concerns to the client, including but not limited to budgeting, employee benefits optimization, credit score analysis, income and cash management, retirement account optimization, debt strategies, real estate property investing, retirement planning, education planning, savings analysis, risk tolerance, and insurance & estate planning. Financial planning services are designed to be a collaborative experience tailored to the client’s personal goals and customized to the complexity of the client’s financial circumstances. Clients purchasing this service receive a detailed financial plan designed to assist the client in achieving their financial goals and objectives. Page 4 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  GGWM offers financial planning services under two models—the Wealth Preservation & Distribution model intended for individuals who are retired or approaching retirement, and the Wealth Accumulation model intended for individuals navigating the early-to-mid stages of financial growth. This Wealth Accumulation model does not involve active investment management but instead focuses on the client’s overall financial situation. For marketing purposes, services performed under the Wealth Accumulation model are provided by Planned Ahead. Typically, the written financial plan is presented to the client within 180 days of contract signing, provided that all information needed to prepare the plan has been provided. Implementation of financial plan recommendations is entirely at the client's discretion. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. GGWM relies on the accuracy and completeness of the information provided by the client, without independent verification. This service requires clients to sign a separate engagement letter specifically outlining the scope of services to be provided and estimated fees that will be incurred. TAX PREPARATION SERVICES GGWM provides Tax Planning & Preparation services for clients, including but not limited to preparing and filing income tax returns, facilitating payment of quarterly estimates, and offering recommendations on ways to maximize tax savings. GGWM’s in-house team of licensed Certified Public Accountants (CPAs) and other tax professionals assist clients with their individual tax returns, estate and trust income tax returns, gift tax returns, and pass-through entity returns for small client-owned businesses. As client financial circumstances shift or tax laws change, our tax team helps clients maintain a tax-efficient posture within the current statutory environment. GGWM relies on the accuracy and completeness of the information provided by the client, without independent verification. This service requires clients to sign a separate engagement letter specifically outlining the scope of tax services to be provided and the estimated fees that will be incurred. FINANCIAL EDUCATION SERVICES GGWM provides general information on various financial topics including, but not limited to, estate and retirement planning, and market trends via newsletters, webinars, presentations and speaking engagements. These engagements are educational in nature and no specific investment or tax advice is provided. C. CLIENT TAILORED SERVICES AND CLIENT IMPOSED RESTRICTIONS GGWM offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Objective Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors in accordance with their values or beliefs. However, if such restrictions prevent GGWM from properly servicing the client account, or if the restrictions would require GGWM to deviate from its standard suite of services, GGWM reserves the right to end the relationship. D. WRAP FEE PROGRAM GGWM does not participate in a wrap fee program as a sponsor to a wrap fee program. However, GGWM acts as a portfolio manager for third-party wrap fee programs and therefore receives a portion of the wrap fee for our services. As a portfolio manager for third-party wrap fee programs, GGWM’s exclusive responsibility is to manage the account assets according to the primary adviser’s instructions. At all times, such primary advisers, and not GGWM, will remain exclusively responsible for initial and ongoing suitability determination for investment strategies and client communications. Unless GGWM fails to manage the account with our received instructions, GGWM will not have any responsibility for account losses. A list of each sponsor and corresponding wrap fee program for which GGWM acts as portfolio manager can be found in GGWM’s Form ADV Part 1, Section 5.I.(2) of Schedule D. E. ASSETS UNDER MANAGEMENT GGWM has the following assets under management: TOTAL 1,396,829,464 DISCRETIONARY 1,382,544,724 NON-DISCRETIONARY 14,284,740 DATE CALCULATED December 31, 2024 Page 5 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  ITEM 5 – FEES AND COMPENSATION A. FEE SCHEDULE INDIVIDUAL PORTFOLIO MANAGEMENT FEES ASSETS UNDER MANAGEMENT First $1,000,000 Next $1,000,000 All above $2,000,000 ANNUAL FEE 1.00% 0.75% 0.50% Annual fees for Individual Portfolio Management services are based upon a percentage of assets under management. The minimum account size of $500,000, annual fee of $5,000, and fee schedule are negotiable. GGWM may group certain related client accounts for the purpose of achieving the minimum account size and determining the annualized fee. Such fees will be outlined in the written client agreement. Clients may terminate the agreement without penalty within five business days of signing the agreement. Thereafter, clients may terminate the agreement generally with 30 days' written notice. FINANCIAL PLANNING FEES Financial planning fees are based on the complexity of the client’s financial situation and the specific services to be provided. Under the Wealth Accumulation Model, GGWM charges an ongoing fixed annual fee typically ranging from $300 to $850 per month ($3,600 to $10,000 annually). Under the Wealth Preservation & Distribution Model, GGWM charges an ongoing fixed annual fee typically ranging from $375 to $1,500 per quarter ($1,500 to $6,000 annually). On a limited basis, project-based financial planning engagements may be offered for a fixed fee typically ranging from $3,600 to $10,000 per engagement. Financial planning fees may be reduced or waived for Individual Portfolio Management clients of GGWM to the extent specifically requested by such client. All fees are negotiable and agreed upon prior to entering into a contract with any client. Clients may terminate the agreement without penalty within five business days of signing the agreement. Clients may terminate the engagement generally upon written notice. TAX PREPARATION FEES Tax preparation fees are based on a rate of $200 per hour, subject to an $800 minimum per tax return. On a limited basis, project-based tax planning engagements may be offered at a rate of $200 per hour. Certain complex engagements may be offered at a higher fee. All fees are negotiable and agreed upon prior to entering the engagement with the client. Tax preparation fees are due upon completion of the engagement. Clients may terminate the engagement without penalty within five business days of execution of the engagement letter. Clients may terminate the engagement generally upon written notice. FINANCIAL EDUCATION FEES GGWM does not charge clients for attending any seminars or other speaking engagements hosted by GGWM. B. PAYMENT OF FEES PAYMENT OF INDIVIDUAL PORTFOLIO MANAGEMENT FEES Asset-based fees for Individual Portfolio Management services are billed at the end of each quarter in which services are rendered based on the last day of the prior quarter and paid in arrears. Clients may elect to have fees withdrawn directly from the client’s accounts or be invoiced and billed directly for fees incurred. PAYMENT OF FINANCIAL PLANNING FEES Financial planning fees may be paid monthly or quarterly, partially in advance, or paid in arrears upon completion, as outlined in the agreement. Clients may elect to pay by check or electronic funds transfer initiated by the client. PAYMENT OF TAX PREPARATION FEES Tax preparation fees are paid in arrears upon completion. Clients may elect to pay such fees by check, credit card, ACH transfer initiated by the client, or withdrawn directly from client’s account with client’s written authorization. PAYMENT OF FINANCIAL EDUCATION FEES GGWM does not charge a fee for attending any seminars or other speaking engagements. Page 6 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  C. CLIENT RESPONSIBILITY FOR THIRD PARTY FEES Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage fees, transaction fees, etc.). Such fees are separate and distinct from the fees and expenses charged by GGWM. Clients should note that similar advisory services may or may not be available from other registered or unregistered investment advisers for similar or lower fees. Please refer to Item 12 of this brochure for additional information. D. PREPAYMENT OF FEES GGWM does not require or solicit payment of fees in excess of $1,200 more than three months in advance of services rendered. A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days written notice. Upon termination of a written client agreement, any prepaid, unearned fees will be refunded. E. OUTSIDE COMPENSATION FOR THE SALE OF SECURITIES TO CLIENTS GGWM and its supervised persons do not accept compensation for the sale of investment products, including asset- based sales charges or service fees from the sale of mutual funds to GGWM clients. ITEM 6 – PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT GGWM does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. ITEM 7 – TYPES OF CLIENTS GGWM generally provides advisory services to the following types of clients: Individuals (other than high net worth individuals) • • High-net-worth individuals • Banking or thrift institutions • Pension, and profit-sharing plans (other than plan participants) • Charitable organizations • Corporations or other business entities not listed above To open an account, GGWM requires a minimum account of $500,000, which may be negotiated or waived by GGWM in its sole discretion. For more details, please review the disclosures provided in Item 5. ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS A. METHODS OF ANALYSIS AND INVESTMENT STRATEGIES METHODS OF ANALYSIS GGWM’s methods of analysis include fundamental and technical analysis. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. Technical analysis involves the analysis of past market data; primarily price and volume. INVESTMENT STRATEGIES GGWM uses long-term trading, short-term trading, and options trading (including covered and uncovered options, or spreading strategies). Investing in securities involves risk of loss that you, as a client, should be prepared to bear. B. MATERIAL RISKS INVOLVED METHODS OF ANALYSIS Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. Technical analysis attempts to predict a future stock price or direction based on market trends. The assumption is that the market follows discernible patterns and if patterns can be identified, a prediction can be made. The risk is that markets do not always follow patterns and relying solely on this method may not consider new patterns that emerge over time. Page 7 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  INVESTMENT STRATEGIES GGWM's use of options trading generally holds greater risk, and clients should be aware that there is a material risk of loss using any of those strategies. Long term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Options transactions involve a contract to purchase a security at a given price, not necessarily at market value, depending on the market. There is a risk that an option may expire out of the money resulting in minimal or no value, as well as possible leveraged loss of trading capital due to the leveraged nature of stock options. Short-term trading risks include liquidity, economic stability, and inflation, in addition to the long-term trading risks listed above. Frequent trading can affect investment performance, particularly through increased brokerage and other transaction costs and taxes. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. C. RISKS OF SPECIFIC SECURITIES UTILIZED GGWM's use of options trading generally holds greater risk of capital loss. Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below are not guaranteed or insured by the FDIC or any other government agency. Equity investment generally refers to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environments. Fixed income investments generally pay a return on a fixed schedule, though the amount of the payments can vary. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities, although individual bonds may be the best known type of fixed income security. In general, the fixed income market is volatile and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. The risk of default on treasury inflation protected/inflation linked bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Exchange Traded Funds (ETFs) are investment funds traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss. Areas of concern include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Investing in ETFs include trading risks, liquidity and shutdown risks, risks associated with a change in authorized participants and non- participation of authorized participants, risks that trading price differs from indicative net asset value (iNAV), or price fluctuation and disassociation from the index being tracked. With regard to trading risks, regular trading adds cost to your portfolio thus counteracting the low fees that one of the typical benefits of ETFs. Regular trading to beneficially “time the market” is difficult to achieve. With regard to liquidity and shutdown risks, not all ETFs have the same level of liquidity. Since ETFs are at least as liquid as their underlying assets, trading conditions are more accurately reflected in implied liquidity rather than the average daily volume of the ETF itself. Implied liquidity is a measure of what can potentially be traded in ETFs based on its underlying assets. ETFs are subject to market volatility and the risks of their underlying securities, which may include the risks associated with investing in smaller companies, foreign securities, commodities, and fixed income investments. Foreign securities are subject to interest rates, currency exchange rates, economic, and political risks, all of which are magnified in emerging markets. ETFs targeting a small universe of securities, such as a specific region or market sector, are generally subject to greater market volatility, as well as to the specific risks associated with that sector, region, or other focus. ETFs that use derivatives, leverage, or complex investment strategies are subject to additional risks. The return of an index ETF is usually different from that of the index it tracks because of fees, expenses, and tracking error. ETFs may trade at a premium or discount to its net asset value (NAV) (or indicative value in cases of exchange-traded notes). The degree Page 8 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  of liquidity varies from one ETF to another, and losses may be magnified if no liquid market exists for ETF shares when attempting to sell them. Each ETF has a unique risk profile, detailed in its prospectus, offering circular or similar material, which should be considered carefully when making investment decisions. Options are contracts to purchase a security at a given price, risking that an option may expire out of money resulting in minimal or no value. Uncovered options are a type of options contract that is not backed by an offsetting position that help mitigate risk. The risk for a “naked” or uncovered put is not unlimited, whereas the potential loss for an uncovered call option is limitless. Spread option positions entail buying and selling multiple options on the same underlying security, but with different strike prices or expiration dates, which help limit risks of other option trading strategies. Option transactions involve risks including but not limited to economic risk, market risk, sector risk, idiosyncratic risk, political/regulatory risk, inflation (purchasing power) risk and interest rate risk. Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. ITEM 9 – DISCIPLINARY INFORMATION A. CRIMINAL OR CIVIL ACTIONS There are no criminal or civil actions to report. B. ADMINISTRATIVE PROCEEDINGS There are no administrative proceedings to report. C. SELF-REGULATORY ORGANIZATION (SRO) PROCEEDINGS There are no self-regulatory organization proceedings to report. ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS A. REGISTRATION AS A BROKER/DEALER OR BROKER/DEALER REPRESENTATIVE Neither GGWM nor its representatives are registered as, or have pending applications, to become a broker/dealer or a representative of a broker/dealer. B. REGISTRATION AS A FUTURES COMMISSIONS MERCHANT, COMMODITY POOL OPERATOR, OR COMMODITY TRADING ADVISOR Neither GGWM nor its representatives are registered as, or have pending applications, to become a futures commission merchant, commodity pool operator, commodity trading advisor, or an associated person of the foregoing entities. C. REGISTRATION RELATIONSHIPS MATERIAL TO ADVISORY BUSINESS Neither GGWM nor its representatives have any material relationships to this advisory business that would present a possible conflict of interest. D. SELECTION OF OTHER ADVISERS OR MANAGERS GGWM does not utilize nor select third-party investment advisers. ITEM 11 – CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING A. CODE OF ETHICS SUMMARY GGWM has established a written Code of Ethics that sets forth high ethical standards of business conduct that GGWM requires of its employees, which is available upon request. GGWM’s Code of Ethics covers policies related to Personal Securities Transactions, Prohibited Activities, Conflicts of Interest, Confidentiality, Compliance with Laws and Regulations, and Recordkeeping provisions. B. RECOMMENDATIONS INVOLVING MATERIAL FINANCIAL INTERESTS GGWM does not recommend that clients buy or sell any security in which a related person to GGWM or GGWM has a material financial interest. Page 9 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  C. INVESTING PERSONAL MONEY IN THE SAME SECURITIES AS CLIENTS From time to time, representatives of GGWM may buy or sell securities for themselves that they also recommend to clients. This may provide an opportunity for representatives of GGWM to buy or sell the same securities before or after recommending the same securities to clients, resulting in representatives profiting from the recommendations they provide to clients. Such transactions may create a conflict of interest. GGWM will always document any transactions that could be construed as conflicts of interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold. D. TRADING SECURITIES AT/AROUND THE SAME TIME AS CLIENTS’ SECURITIES From time to time, GGWM representatives may buy or sell securities for themselves at or around the same time as clients. This may provide an opportunity for GGWM representatives to buy or sell securities before or after recommending securities to clients, resulting in representatives profiting from recommendations provided to clients. Such transactions may create a conflict of interest. GGWM will never engage in trading that operates to the client’s disadvantage if GGWM representatives buy or sell securities at or around the same time as clients. ITEM 12 – BROKERAGE PRACTICES A. FACTORS USED TO SELECT CUSTODIANS Custodians/broker-dealers will be recommended based on GGWM’s duty to seek “best execution,” which is the obligation to seek execution of securities transactions for a client on the most favorable terms for the client under the circumstances. Clients will not necessarily pay the lowest commission or its equivalent, and GGWM may also consider the market expertise and research access provided by the broker-dealer/custodian, including but not limited to access to written research, oral communication with analysts, admittance to research conferences and other resources provided by the brokers that may aid in GGWM's research efforts. GGWM will never charge a premium or commission on transactions, beyond the actual cost imposed by the broker-dealer/custodian. RESEARCH AND OTHER SOFT-DOLLAR BENEFITS GGWM receives no research, product, or services other than execution from broker-dealers or custodians in connection with client securities transactions (“soft dollar benefits”). BROKERAGE FOR CLIENT REFERRALS GGWM recommends clients establish brokerage accounts with Schwab Institutional, a division of Charles Schwab & Co., Inc., a FINRA registered broker-dealer, to maintain custody of clients' assets and to effect trades for their accounts. However, it is the client's decision to custody assets with Schwab. Refer to Item 14 for more information. DIRECTED BROKERAGE Clients may direct brokerage transactions through a specified broker-dealer or custodian only if client acknowledges in writing that the client’s brokerage direction supersedes any authority granted to GGWM to select brokers; this direction may result in higher commissions, which may result in a disparity between free and directed accounts; the client may be unable to participate in block trades and trades for the client and other directed accounts may be executed after trades for free accounts, which may result in less favorable prices, particularly for illiquid securities or during volatile market conditions. Not all advisers allow clients to direct brokerage. B. AGGREGATE (BLOCK) TRADING If GGWM buys or sells the same securities on behalf of more than one client, then it may (but would be under no obligation to) aggregate or bunch such securities in a single transaction for multiple clients in order to seek more favorable prices, lower brokerage commissions, or more efficient execution. In such cases, GGWM would place an aggregate order with the broker on behalf of all such clients in order to ensure fairness for all clients; provided, however, that trades would be reviewed periodically to ensure that accounts are not systematically disadvantaged by this policy. GGWM would determine the appropriate number of shares and select the appropriate brokers consistent with its duty to seek best execution, except for those accounts with specific brokerage direction (if applicable). Page 10 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  ITEM 13 – REVIEW OF ACCOUNTS A. PERIODIC REVIEWS INDIVIDUAL PORTFOLIO MANAGEMENT Client accounts for GGWM's Individual Portfolio Management services are reviewed at least quarterly by the Director of Portfolio Management, according to the clients’ stated investment objective policies and risk tolerance levels. FINANCIAL PLANNING Financial plans are reviewed upon plan creation and plan delivery by the Financial Planning Advisor. While reviews may occur at different stages depending on the nature and terms of the specific engagement, typically no formal reviews will be conducted for financial planning clients unless otherwise contracted. B. NON-PERIODIC REVIEWS INDIVIDUAL PORTFOLIO MANAGEMENT Individual Portfolio Management reviews may be triggered by material market, economic or political events, or by changes in client's financial situations (such as retirement, termination of employment, or inheritance). FINANCIAL PLANNING Financial planning reviews may be triggered by changes in the client’s financial circumstances (such as marital status, employment status, inheritance). C. REGULAR REPORTS INDIVIDUAL PORTFOLIO MANAGEMENT Each Individual Portfolio Management client will receive a written report from GGWM at least quarterly summarizing the client’s account performance, balances, and holdings. Clients will also receive a written report directly from the client’s respective custodian at least monthly. FINANCIAL PLANNING Each financial planning client will receive their written financial plan upon completion. Additional reports are not typically provided to clients unless otherwise contracted. ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION A. ECONOMIC BENEFITS PROVIDED BY THIRD PARTIES GGWM does not receive any economic benefit including cash, sales awards or other prizes, directly or indirectly, from any third-party for advice rendered to GGWM’s clients. With respect to Schwab, GGWM receives access to Schwab’s institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the adviser’s clients’ assets are maintained in accounts at Schwab Advisor Services. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For GGWM client accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab Institutional also makes available to GGWM other products and services that benefit GGWM but may not directly benefit its clients' accounts. Many of these products and services may be used to service all or some substantial number of GGWM’s client accounts, including accounts not maintained at Schwab. Schwab's products and services that assist us in managing and administering our clients' accounts include software and other technology that (i) provide access to client account data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregated trade orders for multiple client accounts; (iii) provide research, pricing and other market data; (iv) facilitate payment of our fees from clients' accounts; and (v) assist with back- office functions, recordkeeping and client reporting. Page 11 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Schwab Institutional also offers other services intended to help us manage and further develop our business enterprise. These services may include (i) compliance, legal and business consulting; (ii) publications and conferences on practice management and business succession; and (iii) access to employee benefits providers, human capital consultants and insurance providers. Schwab may make available, arrange and/or pay third-party vendors for the types of services rendered to GGWM. Schwab Institutional may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to our firm. Schwab Institutional may also provide other benefits such as educational events or occasional business entertainment of our personnel. In evaluating whether to recommend that clients custody their assets at Schwab, we may take into account the availability of some of the foregoing products and services and other arrangements as part of the total mix of factors we consider and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab, which may create a potential conflict of interest. B. CLIENT REFERRAL FEES Our firm may pay referral fees to independent persons or firms ("Solicitors") for introducing clients to us. Whenever we pay a referral fee, we require the Solicitor to provide the prospective client with a copy of this document (our Firm Brochure) and a separate disclosure statement that includes (i) the Solicitor's name and relationship with our firm; (ii) the fact that the Solicitor is being paid a referral fee; (iii) the amount of the fee; and (iv) whether the fee paid to us by the client will be increased above our normal fees in order to compensate the Solicitor. All such referral activities will be conducted in accordance with Rule 206(4)-1 under the Advisers Act, where applicable. SCHWAB ADVISOR NETWORK® GGWM receives client referrals from Schwab through GGWM’s participation in Schwab Advisor Network® (“the Service”). The Service is designed to help investors find an independent investment advisor. Schwab is a broker- dealer independent of and unaffiliated with GGWM. Schwab does not supervise GGWM and has no responsibility for GGWM’s management of clients’ portfolios or GGWM’s other advice or services. GGWM pays Schwab fees to receive client referrals through the Service. GGWM’s participation in the Service raises potential conflicts of interest described below. GGWM pays Schwab a Participation Fee on all referred clients’ accounts that are maintained in custody at Schwab and a separate one-time Transfer Fee on all accounts that are transferred to another custodian. The Transfer Fee creates a conflict of interest that encourages GGWM to recommend client accounts be held in custody at Schwab. The Participation Fee paid by GGWM is a percentage of the value of the assets in the client’s account. GGWM pays Schwab the Participation Fee for so long as the referred client’s account remains in custody at Schwab. The Participation Fee is paid by GGWM and not by the client. GGWM has agreed not to charge clients referred through the Service fees or costs greater than the fees or costs GGWM charges clients with similar portfolios who were not referred through the Service. The Participation and Transfer Fees are based on assets in accounts of GGWM’s clients who were referred by Schwab and those referred clients’ family members living in the same household. Thus, GGWM has incentives to recommend client accounts and household members of clients referred through the Service maintain custody of their accounts at Schwab. ITEM 15 – CUSTODY When advisory fees are deducted directly from client accounts at client's custodian, GGWM will be deemed to have limited custody of client's assets and must have written authorization from the client to do so. On at least a quarterly basis, the client’s custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Clients will receive all account statements and billing invoices that are required in each jurisdiction, and clients should carefully review those statements for accuracy. Clients should contact us directly if they believe that there may be an error in their statement. In addition to the periodic statements that clients receive directly from their custodians, GGWM also sends account statements directly to our clients on a quarterly basis. We urge our clients to carefully compare the information provided on these statements to ensure that all account transactions, holdings and values are accurate and current. Page 12 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  ITEM 16 – INVESTMENT DISCRETION GGWM provides discretionary and non-discretionary investment advisory services to clients. The advisory contract established with each client sets forth the discretionary authority for trading. Where investment discretion has been granted, GGWM generally manages the client’s account and makes investment decisions without consultation with the client as to when the securities are to be bought or sold for the account, the total amount of the securities to be bought/sold, what securities to buy or sell, or the price per share. ITEM 17 – VOTING CLIENT SECURITIES GGWM will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security. ITEM 18 – FINANCIAL INFORMATION A. BALANCE SHEET GGWM neither requires nor solicits prepayment of more than $1,200 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure. B. FINANCIAL CONDITIONS REASONABLY LIKELY TO IMPAIR ABILITY TO MEET CONTRACTUAL COMMITMENTS Neither GGWM nor its management has any financial conditions that is likely to reasonably impair GGWM’s ability to meet contractual commitments to clients. C. BANKRUPTCY PETITIONS IN PREVIOUS TEN YEARS GGWM has not been subject of a bankruptcy petition at any time. Page 13 of 13 GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com 

FORM ADV PART 2B: BROCHURE SUPPLEMENT Zachary Aaron Agenbroad INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Zachary Agenbroad (CRD# 7871909) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Zachary Agenbroad is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 2000 ZACHARY AARON AGENBROAD ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Hampton University, B.S. in Economics, 2023 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Associate Portfolio Manager Bloomberg | Economics Analyst Intern Hampton University Student Managed Investment Fund | President 02/2024 to Present 06/2023 to 08/2023 08/2021 to 05/2023 ITEM 3 – DISCIPLINARY INFORMATION Zachary Agenbroad has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Zachary Agenbroad is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Zachary Agenbroad does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Zachary Agenbroad is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Zachary Agenbroad is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Jacob Jerome Bellinger II INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Jacob Bellinger II (CRD# 7678556) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Jacob Bellinger II is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1991 JACOB JEROME BELLINGER II ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Claflin University, B.S. in Business Administration, 2018 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Associate Portfolio Manager Morris Financial Concepts | Investment Operations Assistant 11/2024 to Present 02/2022 to 10/2024 ITEM 3 – DISCIPLINARY INFORMATION Jacob Bellinger II has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Jacob Bellinger II is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Jacob Bellinger II does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Jacob Bellinger II is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Jacob Bellinger II is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Peter Kenneth Braden, CFP® INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Peter Braden (CRD# 1637922) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Peter Braden is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1964 PETER KENNETH BRADEN, CFP® ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION University of Richmond, MBA in Business, 1992 Washington & Lee University, B.A. in Economics, 1986 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Wealth Management Advisor Hatteras Funds | Client Portfolio Manager Granville Capital, Inc. | Principal Fiserv | Senior Sales Executive Braden Consulting, LLC | President UBS Financial Services | Alternative Investments Consultant Bank of America | Director, Regional Investments J.P. Morgan | Vice President Scott & Stringfellow | Managing Director, Fee Based Programs Wheat First Union | Senior Vice President 3/2017 to Present 5/2015 to 7/2015 6/2012 to 3/2015 7/2010 to 5/2012 1/2008 to 7/2010 8/2005 to 12/2007 4/2003 to 4/2005 5/2001 to 12/2002 12/1998 to 4/2001 12/1986 to 5/1998 PROFESSIONAL DESIGNATION(S) CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL The program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® designation have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. In addition to passing the CFP® certification exam, candidates must also complete qualifying work experience, agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards and complete 30 hours of continuing education every two years. ITEM 3 – DISCIPLINARY INFORMATION Peter Braden has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Peter Braden is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Peter Braden does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Peter Braden is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Peter Braden is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Kyle Michael Fischer, CFP® INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Kyle Fischer (CRD# 6601181) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Kyle Fischer is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1988 KYLE MICHAEL FISCHER, CFP® ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Clemson University, M.S. in Accounting, 2012 Clemson University, B.S. in Accounting, 2011 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Wealth Management Advisor LPL Financial | Wealth Advisor The Peace Center | Administrative Assistant Elliot Davis Decosimo, LLC | Auditor 08/2019 to Present 05/5016 to 11/2017 10/2015 to 01/2016 10/2012 to 08/2015 PROFESSIONAL DESIGNATION(S) CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL The program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® designation have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. In addition to passing the CFP® certification exam, candidates must also complete qualifying work experience, agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards and complete 30 hours of continuing education every two years. ITEM 3 – DISCIPLINARY INFORMATION Kyle Fischer has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Kyle Fischer is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Kyle Fischer does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Kyle Fischer is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Kyle Fischer is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Michael Reilly Gibb INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Michael R. Gibb (CRD# 6017943) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Michael R. Gibb is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  MICHAEL REILLY GIBB Year of Birth: 1986 ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Virginia Commonwealth University, B.S. in Economics, 2013 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | President & CEO Godsey & Gibb Wealth Management | Vice President Godsey & Gibb Wealth Management | Portfolio Manager Godsey and Gibb Wealth Management | Portfolio Management Assistant Full-Time Education | Student Godsey & Gibb Wealth Management | Portfolio Management Assistant 01/2019 to Present 01/2017 to 01/2019 12/2013 to 12/2016 09/2010 to 12/2013 11/2008 to 09/2010 02/2006 to 11/2008 ITEM 3 – DISCIPLINARY INFORMATION Michael R. Gibb has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Michael R. Gibb is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Michael R. Gibb does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Michael R. Gibb is supervised by Godsey & Gibb Wealth Management’s Board of Directors who can be reached at 804- 285-7333. Miachel R. Gibb is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Alexis Keri Houlihan, CFP®, CSLP® INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Alexis Houlihan (CRD# 6813335) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Alexis Houlihan is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1994 ALEXIS KERI HOULIHAN, CFP® ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Virginia Polytechnic Institute & State University, B.S. in Finance, 2017 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Wealth Management Advisor Godsey & Gibb Wealth Management | Financial Planning Advisor Godsey & Gibb Wealth Management | Portfolio Manager Godsey & Gibb Wealth Management | Associate Portfolio Manager Aspect Partners | Financial Analyst 01/2025 to Present 06/2020 to Present 01/2019 to 06/2020 11/2017 to 12/2018 06/2017 to 10/2017 PROFESSIONAL DESIGNATION(S) CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL The program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® designation have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. In addition to passing the CFP® certification exam, candidates must also complete qualifying work experience, agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards and complete 30 hours of continuing education every two years. CERTIFIED STUDENT LOAN PROFESSIONAL™ The program is administered by the Certified Student Loan Advisors Board of Standards and is used by licensed financial professionals who seek to provide information to clients about how to efficiently repay student loans within the larger scope of their financial plans. In order to earn and maintain the CSLP® designation, individuals must hold an active financial license in a regulated financial services industry. Individuals must also meet additional certification components of (i) course completion, (ii) pass the CSLP Exam, and (iii) complete all educational lessons that have been released or amended by the Board since the designee completed their course study. Designees are required to complete an annual competency exam to ensure that they continue to demonstrate the knowledge required to provide student loan repayment advice to clients. ITEM 3 – DISCIPLINARY INFORMATION Alexis Houlihan has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Alexis Houlihan is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Alexis Houlihan does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Alexis Houlihan is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Alexis Houlihan is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Christopher Maxwell Leslie, CFP®, CIMA® INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher Leslie (CRD# 5971390) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Christpher Leslie is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1985 CHRISTOPHER MAXWELL LESLIE, CFP® ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Southern New Hampshire University, M.S. in Finance, 2018 University of South Florida, B.S. in Finance, 2010 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Director of Portfolio Management Godsey & Gibb Wealth Management | Portfolio Manager TIAA, FSB | Portfolio Analyst TIAA, FSB | Sr. Account Services Analyst TIAA, CREF | Individual Advisory Services Outreach Consultant TD Ameritrade | Financial Representative Broker 07/2024 to Present 06/2022 to 06/2024 01/2020 to 06/2022 09/2017 to 01/2020 09/2012 to 08/2017 08/2011 to 09/2012 PROFESSIONAL DESIGNATION(S) CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL The program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® designation have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. In addition to passing the CFP® certification exam, candidates must also complete qualifying work experience, agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards and complete 30 hours of continuing education every two years. CERTIFIED INVESTMENT MANAGEMENT ANALYST The CIMA designation is issued by the Investments and Wealth Institute (formerly IMCA). To earn each certification, each CIMA candidate must complete a self-study program, attend a one-week classroom education program provided by an Association to Advance Collegiate Schools of Business (“AACSB”) accredited university business school , pass an online examination after self-study and an on-line comprehensive certification examination after meeting all requirements of a registered classroom education program and also complete a minimum of 30 hours of continuing education every two years. ITEM 3 – DISCIPLINARY INFORMATION Christopher Leslie has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Christopher Leslie is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Christopher Leslie does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Christopher Leslie is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Chistopher Leslie is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Jeanmarie McGowan, CFA INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeanmarie McGowan (CRD# 2579481) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Jeanmarie McGowan is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  JEANMARIE MCGOWAN, CFA® Year of Birth: 1966 ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Virginia Commonwealth University, MBA in Business Administration, 1997 Elon University, B.S. in Business Administration/Finance, 1987 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Chief Investment Officer Godsey & Gibb Wealth Management | Director of Research Virginia Commonwealth University | Adjunct Professor Tattersall Advisory Group | Portfolio Specialist Trigon Services, Inc. | Portfolio Manager 06/2020 to Present 02/2014 to 06/2020 01/2011 to 12/2014 10/2002 to 12/2010 06/1994 to 08/2002 PROFESSIONAL DESIGNATION(S) CHARTERED FINANCIAL ANALYST® This designation is offered by the CFA Institute (formerly the Association for Investment Management and Research [AIMR]). To obtain the CFA® charter, candidates must successfully complete three exams and gain at least three (3) years of qualifying work experience, among other requirements. In passing these exams, candidates demonstrate their competence, integrity and extensive knowledge in accounting, ethical and professional standards, economics, portfolio management and security analysis. ITEM 3 – DISCIPLINARY INFORMATION Jeanmarie McGowan has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Jeanmarie McGowan is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Jeanmarie McGowan does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Jeanmarie McGowan is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Jeanmarie McGowan is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Kevin David Riley INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Kevin Riley (CRD# 2169482) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Kevin Riley is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Year of Birth: 1967 KEVIN DAVID RILEY ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Florida State University, B.S. in Marketing, 1991 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Wealth Management Advisor USAA Wealth Management | Director Marshwinds Advisory Company | Sr. Vice President Charles Schwab & Company, Inc. | Vice President and Branch Manager 06/2015 to Present 12/2013 to 6/2015 2/2013 to 11/2013 3/1992 to 8/2012 ITEM 3 – DISCIPLINARY INFORMATION Kevin Riley has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Kevin Riley is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Kevin Riley does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Kevin Riley is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Kevin Riley is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Danny Lee Savage INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Danny L. Savage (CRD# 2232727) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Danny L. Savage is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  DANNY LEE SAVAGE Year of Birth: 1967 ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION Indiana University in Bloomington, B.S. in Social Sciences, 1992 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Managing Director Charles Schwab & Co., Inc | Branch Manager 02/2006 to Present 01/1992 to 01/2006 ITEM 3 – DISCIPLINARY INFORMATION Danny Savage has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Danny Savage is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Danny Savage does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Danny Savage is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Danny Savage is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Ephraim Ulmer INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Ephraim Ulmer (CRD# 822497) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Ephraim Ulmer is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  EPHRAIM ULMER Year of Birth: 1947 ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION University of South Carolina, J.D., 1973 The Citadel, B.A. in Business Administration, 1969 BUSINESS EXPERIENCE Godsey & Gibb Wealth Management | Vice President/Secretary Godsey & Gibb Wealth Management | Vice President 09/1998 to Present 09/1991 to 09/1998 ITEM 3 – DISCIPLINARY INFORMATION Ephraim Ulmer has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Ephraim Ulmer is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Ephraim Ulmer does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION Ephraim Ulmer is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Ephraim Ulmer is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  FORM ADV PART 2B: BROCHURE SUPPLEMENT Marc Anthony Verdi, CPA/PFS, CFP® INVESTMENT ADVISOR REPRESENTATIVE GODSEY & GIBB WEALTH MANAGEMENT 6806 Paragon Place, Suite 230 Richmond, VA 23230 (804) 285-7333 www.godseyandgibb.com REVISED 03/19/2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about the background and qualifications of Marc A. Verdi (CRD# 5485381) that supplements the Godsey & Gibb Wealth Management (CRD# 105650) Form ADV Part 2A Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement, please contact us at (804) 285-7333 or compliance@godseyandgibb.com. Additional information about Marc A. Verdi is available on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching their full name or individual CRD number. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  MARC ANTHONY VERDI, CPA/PFS, CFP® Year of Birth: 1969 ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE EDUCATION University of Virginia, M.S. in Accounting, 1998 University of Virginia, B.S. in Commerce and Accounting, 1997 BUSINESS EXPERIENCE Godsey & Gibb | Director of Tax & Financial Planning and Chief Financial Officer Well Coleman & Company | Tax Manager Marc A Verdi, LLC | Owner Morgan Stanley Smith Barney | Personal Banker CB&H Wealth Management Services, LLC | Investment Advisor Cherry, Bekaert & Holland, LLP | Manager Keiter Stephens Hurst Gary & Shreaves, PC | Senior Tax Associate Ernst & Young, LLP | Audit Senior Insmed, Inc. | Assistant Controller Ernst & Young, LLP | Staff Auditor 08/2013 to Present 06/2012 to 07/2013 03/2012 to 06/2012 08/2009 to 03/2012 01/2009 to 07/2009 12/2007 to 07/2009 09/2004 to 12/2007 07/2002 to 08/2004 07/2000 to 07/2002 10/1998 to 07/2000 PROFESSIONAL DESIGNATION(S) CERTIFIED PUBLIC ACCOUNTANT (CPA) To become a CPA, candidates must pass the Uniform Certified Public Accountant Examination, set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Candidates must complete a bachelor's degree with a minimum number of qualifying credit hours in accounting and business administration with an additional 1-year study. CPAs are required to take continuing education courses including an ethics course to renew their license with most states requiring 120 hours every 3 years with a minimum of 20 hours per calendar year. PERSONAL FINANCIAL SPECIALIST The PFS designation is awarded by the American Institute of Certified Public Accountants (AICPA) to those who have taken additional training and already have a CFP® designation. Every PFS credential holder is a licensed CPA and a member in good standing in the AICPA; has met strict education and eligible business experience requirements, including two (2) years of full-time business or teaching experience in personal financial planning and has agreed to the AICPA Code of Professional Conduct. CERTIFIED FINANCIAL PLANNER™ PROFESSIONAL The program is administered by the Certified Financial Planner Board of Standards Inc. Those with the CFP® designation have demonstrated competency in all areas of finance related to financial planning. Candidates complete studies on over 100 topics, including stocks, bonds, taxes, insurance, retirement planning and estate planning. Candidates must pass the CFP® certification exam, complete qualifying work experience, agree to adhere to the CFP Board's code of ethics and professional responsibility and financial planning standards, and complete 30 hours of continuing education every two years. ITEM 3 – DISCIPLINARY INFORMATION Marc Verdi has no reportable disciplinary history. ITEM 4 – OTHER BUSINESS ACTIVITIES Marc Verdi is not actively engaged in any other investment-related business activities other than providing advisory services through Godsey & Gibb Wealth Management. ITEM 5 – ADDITIONAL COMPENSATION Marc Verdi does not receive any economic benefit from any person, or entity for providing advisory services. ITEM 6 – SUPERVISION GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com  Marc Verdi is supervised by Michael Reilly Gibb, President & CEO of Godsey & Gibb Wealth Management who can be reached at 804-285-7333. Marc Verdi is bound by and adheres to Godsey & Gibb Wealth Management’s established written Code of Ethics and Policies & Procedures manual for advice the supervised person provides to clients. GODSEY & GIBB WEALTH MANAGEMENT | www.godseyandgibb.com P: (804) 285-7333 | F: (804) 285-9268 | compliance@godseyandgibb.com