# EDGAR Filing Document

**Accession Number:** 0002007516
**File Stem:** 0001493152-26-005503
**Filing Date:** 2026-2
**Character Count:** 233638
**Document Hash:** 8269a4b9a3e4e758657fe22cb9af72dd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-005503.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001493152-26-005503

**CONFORMED SUBMISSION TYPE**: 1-A POS

**PUBLIC DOCUMENT COUNT**: 12

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WORTHY WEALTH, INC.
- **CENTRAL INDEX KEY:** 0002007516
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE [6500]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 932330985
- **STATE OF INCORPORATION:** GA

**FILING VALUES:**
- **FORM TYPE:** 1-A POS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 024-12388
- **FILM NUMBER:** 26606961

**BUSINESS ADDRESS:**
- **STREET 1:** 11175 CICERO DRIVE
- **STREET 2:** SUITE 100
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30022
- **BUSINESS PHONE:** 678-646-6791

**MAIL ADDRESS:**
- **STREET 1:** 11175 CICERO DRIVE
- **STREET 2:** SUITE 100
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30022

## Part

**An offering statement pursuant to Regulation A relating to these securities has been filed with the Securities and Exchange Commission. Information contained in this preliminary offering circular is subject to completion or amendment. These securities may not be sold nor may offers to buy be accepted before the offering statement filed with the Commission is qualified. This preliminary offering circular shall not constitute an offer to sell or the solicitation of an offer to buy nor may there be any sales of these securities in any state in which such offer, solicitation or sale would be unlawful before registration or qualification under the laws of such state. The Company may elect to satisfy its obligation to deliver a final offering circular by sending you a notice within two business days after the completion of the Company's sale to you that contains the URL where the final offering circular or the offering statement in which such final offering circular was filed may be obtained.**

**PRELIMINARY OFFERING CIRCULAR DATED FEBRUARY 6, 2026**

**FORM 1-A POS**

**Worthy Wealth, Inc.**

**<u>www.worthywealth.com</u>**

![](partiiandiii_001.jpg)

UP TO 4,000,000 SHARES OF COMMON STOCK

$10 per share

MAXIMUM OFFERING AMOUNT: $40,000,000

MINIMUM INDIVIDUAL INVESTMENT: 50 shares ($500)

Worthy Wealth, Inc. (the "Company," "we," "us," "our," or "ours"), a newly formed entity, is offering up to 4,000,000 shares of common stock, with a per share par value of $0.0001 ("Common Shares") on a "best-efforts" basis at $10 per Common Share, for a maximum offering amount of $40,000,000 ("Maximum Offering Amount"). The minimum purchase is $500.00 and funds received will be immediately available to us. All offering expenses will be borne by us and will be paid out of the proceeds of this Offering. The termination of the Offering will occur on the earlier of (i) the date that we receive subscriptions for all Common Shares offered hereby, (ii) an earlier date determined by the Company in its sole discretion or (iii) three years after the initial qualification of the offering. There is no minimum amount that needs to be raised in this Offering. For more information on the terms of the Common Shares being offered, please see "*The Offering*" beginning on page 11 of this offering circular. For more information on the terms of the Common Shares being offered, please see "Description of Business" beginning on page 27 of this offering circular.

SEE "SECURITIES BEING OFFERED" AT PAGE 38

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Common Stock (5)** | **Price to Public** |  | **Selling Agent Commissions (1)** | **Proceeds to Issuer (2)(3)** | **Proceeds to Other Persons** |
| Price Per Share | $10.00 |  | $0.55 | $9.45 | $0.00 |
| Total Maximum (3) | $40000000.00 | (6) | $2200000.00 | $37800000.00 | $0.00 |

---

<sup>(1)</sup> The Company has engaged Texture Capital, Inc. ("Texture"), a broker-dealer registered with the SEC and a member of FINRA, to act as the broker-dealer of record in connection with this offering to provide processing and compliance services and will pay up to a maximum of $2,200,000 in connection with the terms of the Broker-Dealer Agreement between the Company and Texture, attached as Exhibit 1.1 hereto. The Broker-Dealer Agreement provides for the following payments to Texture: (i) a fee equal to 1% of the initial $40,000,000 of gross proceeds in the offering, for a maximum of up to $400,000; (ii) a fee equal to 5% of the gross proceeds from the sale of the first $30,000,000 in Common Shares resulting from the direct selling efforts of Texture not to exceed $1,500,000; and (iii) a fee equal to 3% on the next $10,000,000 in Common Shares resulting from the direct selling efforts of Texture not to exceed $300,000. The maximum total sales compensation payable to Texture in connection with this offering is $2,200,000, which does not include a one-time consulting fee of $5,000 payable by the Company to Texture. The Consulting Fee will cover expenses anticipated to be incurred by the firm such as due diligence expenses, working with the Company's counsel in providing information to the extent necessary, and any other services necessary and required prior to the approval of the Offering. To the extent any such expenses are not actually incurred, the balance of this one-time fee will be reimbursed to the Company, pursuant to FINRA Rule 5110(g)(4)(A). See "Plan of Distribution." The value in the chart reflects the weighted average commission Texture will receive if the Maximum Offering Amount is sold.

<sup>(2)</sup> The Company expects that the amount of expenses of the Offering will be approximately $2,260,000, including professional and compliance fees and other costs of the Offering.

<sup>(3)</sup> Assumes that the maximum aggregate offering amount of $40,000,000 in cash proceeds is received by the Company.

We have engaged Texture Capital, Inc. ("Texture" or the "BOR"), member Financial Industry Regulatory Authority ("FINRA")/Securities Investor Protection Corporation ("SIPC"), and registered as a broker-dealer in all 50 states, to act as the broker-dealer of record to provide processing and compliance services in connection with this offering. If any other broker-dealer or other agent/person is engaged by the Company in connection with the offering of our Common Shares, we will file a post-qualification amendment to the offering statement of which this offering circular forms a part disclosing the names and compensation arrangements prior to any sales by such persons. To the extent that the Company's officers and directors make any communications in connection with this offering they intend to conduct such efforts in accordance with an exemption from registration contained in Rule 3a4-1 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and, therefore, none of them is required to register as a broker-dealer. See "Plan of Distribution" in this offering circular.

No public market has developed nor is expected to develop for the Common Shares and we do not intend to list the Common Shares on a national securities exchange, Alternative Trading System, or interdealer quotational system.

We are an "emerging growth company" as that term is used in the Jumpstart Our Business Startups Act of 2012, or the "JOBS Act," and, as such, have elected to comply with certain reduced public company reporting requirements. See "*Offering Summary—Emerging Growth Company Status*."

We believe that we fall within the exception of an investment company provided by Section 3(c)(5)(C) of the Investment Company Act of 1940 (the "Investment Company Act"). Section 3(c)(5)(C) provides an exemption for a company that is primarily engaged in the business of purchasing or otherwise acquiring mortgages and other liens on and interests in real estate.

Our principal office is located at 11175 Cicero Dr., Suite 100, Alpharetta, GA 30022, and our phone number is (678) 646-6791. Our corporate website address is located at <u>www.worthywealth.com</u>. Information contained on, or accessible through, the website is not a part of, and is not incorporated by reference into, this offering circular.

**THE UNITED STATES SECURITIES AND EXCHANGE COMMISSION (THE "SEC") DOES NOT PASS UPON THE MERITS OR GIVE ITS APPROVAL OF ANY SECURITIES OFFERED OR THE TERMS OF THE OFFERING, NOR DOES IT PASS UPON THE ACCURACY OR COMPLETENESS OF ANY OFFERING CIRCULAR OR OTHER SOLICITATION MATERIALS. THESE SECURITIES ARE OFFERED PURSUANT TO AN EXEMPTION FROM REGISTRATION WITH THE SEC; HOWEVER THE SEC HAS NOT MADE AN INDEPENDENT DETERMINATION THAT THE SECURITIES OFFERED ARE EXEMPT FROM REGISTRATION**

**GENERALLY, NO SALE MAY BE MADE TO YOU IN THIS OFFERING IF THE AGGREGATE PURCHASE PRICE YOU PAY IS MORE THAN 10% OF THE GREATER OF YOUR ANNUAL INCOME OR NET WORTH. DIFFERENT RULES APPLY TO ACCREDITED INVESTORS AND NON-NATURAL PERSONS. BEFORE MAKING ANY REPRESENTATIONTHAT YOUR INVESTMENT DOES NOT EXCEED APPLICABLE THRESHOLDS, WE ENCOURAGE YOU TO REVIEW RULE 251(d)(2)(i)(C) OF REGULATION A. FOR GENERAL INFORMATION ON INVESTING, WE ENCOURAGE YOU TO REFER TO www.investor.gov.**

This offering circular is following the disclosure format of Part I of SEC Form S-1 pursuant to the general instructions of Part II(a)(1)(ii) of Form 1-A.

The date of this offering circular is February 6, 2026

**<u>**TABLE OF CONTENTS**</u>**

---

| | |
|:---|:---|
|  | Page No. |
| [THIRD PARTY DATA](#sk_001) | 6 |
| [TRADEMARKS AND COPYRIGHTS](#sk_002) | 6 |
| [CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION](#sk_003) | 7 |
| [STATE LAW EXEMPTION AND PURCHASE RESTRICTIONS](#sk_004) | 7 |
| [IMPLICATIONS OF BEING AN EMERGING GROWTH COMPANY](#sk_005) | 8 |
| [OFFERING CIRCULAR SUMMARY](#sk_006) | 10 |
| [THE OFFERING](#sk_007) | 11 |
| [RISK FACTORS](#sk_008) | 14 |
| [DILUTION](#sk_009) | 23 |
| [USE OF PROCEEDS](#sk_010) | 24 |
| [DIVIDEND POLICY](#sk_011) | 25 |
| [INVESTMENT COMPANY ACT LIMITATIONS](#sk_012) | 25 |
| [DESCRIPTION OF BUSINESS](#sk_013) | 27 |
| [DESCRIPTION OF PROPERTIES](#sk_014) | 32 |
| [MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS](#sk_015) | 33 |
| [DIRECTORS, EXECUTIVE OFFICERS AND SIGNIFICANT EMPLOYEES](#sk_016) | 35 |
| [COMPENSATION OF EXECUTIVE OFFICERS AND DIRECTORS](#zy_001) | 37 |
| [SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT](#zy_002) | 37 |
| [CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS](#a_007) | 38 |
| [SECURITIES BEING OFFERED](#a_008) | 38 |
| [INDEMNIFICATION OF DIRECTORS AND OFFICERS](#a_009) | 39 |
| [PLAN OF DISTRIBUTION](#a_010) | 40 |
| [APOINTMENT OF AUDITOR](#zy_003) | 45 |
| [LEGAL MATTERS](#a_011) | 45 |
| [EXPERTS](#a_012) | 45 |
| [WHERE YOU CAN FIND ADDITIONAL INFORMATION](#a_013) | 45 |
| [INDEX TO FINANCIAL STATEMENTS](#a_014) | F-1 |

---

Unless the context otherwise indicates, when used in this offering circular, the terms "the Company," "we," "us," "our" and similar terms refer to Worthy Wealth, Inc., a Georgia corporation. We presently have 4 wholly owned subsidiaries Worthy Wealth Management, Inc. ("WWM"), Worthy Wealth Realty, Inc. ("WWR"), Worthy Wealth Senior Living, Inc. ("WWSL") and Worthy Wealth Media, Inc., which is presently yet to conduct business ("WWMI", and together with WWM, WWR, WWSL, and WWM, the "Subsidiaries"). We use a twelve-month fiscal year ending on June 30<sup>th</sup> In a twelve-month fiscal year, each quarter includes three-months of operations; the first, second, third and fourth quarters end on September 30<sup>th</sup>, December 31<sup>st</sup>, March 31<sup>st</sup> and June 30<sup>th</sup> respectively.

The information contained on, or accessible through, the websites at <u>www.worthywealth.com</u> and <u>www.worthyshares.com</u> is not part of, and is not incorporated by reference in, this offering circular**.**

**The Common Shares will only be offered for sale in jurisdictions where such offers and sales are permitted. You should rely only on the information contained in this Offering Circular. We have not authorized anyone to provide you with any information other than the information contained in this Offering Circular. The information contained in this Offering Circular is accurate only as of its date, regardless of the time of its delivery or of any sale or delivery of our securities. Neither the delivery of this Offering Circular nor any sale or delivery of our securities shall, under any circumstances, imply that there has been no change in our affairs since the date of this Offering Circular. This Offering Circular will be updated and made available for delivery to the extent required by the federal securities laws.**

**For investors outside the United States: We have not done anything that would permit this Offering or possession or distribution of this Offering Circular in any jurisdiction where action for that purpose is required, other than the United States. You are required to inform yourselves about and to observe any restrictions relating to the Offering and the distribution of this Offering Circular.**

**THIRD PARTY DATA**

Certain data included in this offering circular is derived from information provided by third-parties that we believe to be reliable. The discussions contained in this offering circular relating to such information is taken from third-party sources that the Company believes to be reliable and reasonable, and that the factual information is fair and accurate. Certain data is also based on our good faith estimates which are derived from management's knowledge of the industry and independent sources. Industry publications, surveys and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable, but there can be no assurance as to the accuracy or completeness of included information. We have not independently verified such third-party information, nor have we ascertained the underlying economic assumptions relied upon therein. While we are not aware of any material misstatements regarding any market, industry or similar data presented herein, such data was derived from third party sources and reliance on such data involves risks and uncertainties.

**TRADEMARKS AND COPYRIGHTS**

We own or have applied for rights to trademarks or trade names that we use in connection with the operation of our business, including our corporate names, logos and website names. In addition, we own or have the rights to copyrights, trade secrets and other proprietary rights that protect our business. This offering circular may also contain trademarks, service marks and trade names of other companies, which are the property of their respective owners. Our use or display of third parties' trademarks, service marks, trade names or products in this offering circular is not intended to, and should not be read to, imply a relationship with or endorsement or sponsorship of us. Solely for convenience, some of the copyrights, trade names and trademarks referred to in this offering circular are listed without their©,® and™ symbols, but we will assert, to the fullest extent under applicable law, our rights to our copyrights, trade names and trademarks. All other trademarks are the property of their respective owners.

**CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION**

This Offering Circular contains forward looking statements that are subject to various risk and uncertainties and that express our opinions, expectations, beliefs, plans, objectives, assumptions or projections regarding future events or future results, in contrast with statements that reflect historical facts. Many of these statements are contained under the headings "Offering Circular Summary," "Management's Discussion and Analysis of Financial Condition and Results of Operations" and "Business." Forward-looking statements are generally identifiable by use of forward-looking terminology such as "anticipate," "intend," "believe," "estimate," "plan," "seek," "project" or "expect," "may," "will," "would," "could" or "should," or other similar words or expressions. Forward-looking statements are based on certain assumptions, discuss future expectations, describe future plans and strategies, or state other forward-looking information. Our ability to predict future events, actions, plans or strategies is inherently uncertain. Although we believe that the expectations reflected in our forward-looking statements are based on reasonable assumptions, actual outcomes could differ materially from those set forth or anticipated in our forward-looking statements. Factors that could cause our forward-looking statements to differ from actual outcomes include, but are not limited to, those described under the heading "Risk Factors." Readers are cautioned not to place undue reliance on any of these forward-looking statements, which reflect our views as of the date of this offering circular. Furthermore, except as required by law, we are under no duty to, and do not intend to, update any of our forward-looking statements after the date of this offering circular, whether as a result of new information, future events or otherwise.

You should read thoroughly this Offering Circular and the documents that we refer to herein with the understanding that our actual future results may be materially different from and/or worse than what we expect. We qualify all of our forward-looking statements by these cautionary statements including those made in Risk Factors appearing elsewhere in this Offering Circular. Other sections of this Offering Circular include additional factors which could adversely impact our business and financial performance. New risk factors emerge from time to time and it is not possible for our management to predict all risk factors, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. Except for our ongoing obligations to disclose material information under the Federal securities laws, we undertake no obligation to release publicly any revisions to any forward-looking statements, to report events or to report the occurrence of unanticipated events. These forward-looking statements speak only as of the date of this Offering Circular, and you should not rely on these statements without also considering the risks and uncertainties associated with these statements and our business.

**STATE LAW EXEMPTION AND PURCHASE RESTRICTIONS**

Our Common Shares are being offered and sold only to "qualified purchasers" (as defined in Regulation A under the Securities Act). As a Tier 2 offering pursuant to Regulation A under the Securities Act, this offering is exempt from state law "Blue Sky" review, subject to meeting certain state filing requirements and complying with certain anti-fraud provisions, to the extent that our Common Shares offered hereby are offered and sold only to "qualified purchasers" or at a time when our Common Shares are listed on a national securities exchange. "Qualified purchasers" include: (i) "accredited investors" under Rule 501(a) of Regulation D and (ii) all other investors so long as their investment in our Common Shares does not represent more than 10% of the greater of their annual income or net worth (for natural persons), or 10% of the greater of annual revenue or net assets at fiscal year-end (for non-natural persons). Accordingly, we reserve the right to reject any investor's subscription in whole or in part for any reason, including if we determine in our sole and absolute discretion that such investor is not a "qualified purchaser" for purposes of Regulation A.

To determine whether a potential investor is an "accredited investor" for purposes of satisfying one of the tests in the "qualified purchaser" definition, the investor must be a natural person who:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. has
 a net worth, or joint net worth with the person's spouse or spousal equivalent, that exceeds $1,000,000 at the time of the
 purchase, excluding the value of the primary residence of such person; *<u>or</u>* 

2. had
 earned income exceeding $200,000 in each of the two most recent years or joint income with a spouse or spousal equivalent exceeding
 $300,000 for those years and has a reasonable expectation of reaching the same income level in the current year; *<u>or</u>* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. is
 holding in good standing one or more professional certifications or designations or credentials from an accredited educational institution
 that the SEC has designated as qualifying an individual for accredited investor status; *<u>or</u>* 

4. is
 a "family client," as defined by the Investment Advisers Act of 1940, of a family office meeting the requirements in
 Rule 501(a) of Regulation D and whose prospective investment in the issuer is directed by such family office pursuant to Rule 501(a)
 of Regulation D; *<u>or</u>* 

5. possesses
 certain professional certifications, designations or credentials or other credentials issued by an accredited educational institution,
 which the SEC may designate from time to time by order, including the Series 7, Series 65, and Series 82 licenses as qualifying natural
 persons.

If the investor is not a natural person, different standards apply. See Rule 501 of Regulation D for more details.

For purposes of determining whether a potential investor is a "qualified purchaser," annual income and net worth should be calculated as provided in the "accredited investor" definition under Rule 501 of Regulation D. In particular, net worth in all cases should be calculated excluding the value of an investor's home, home furnishings and automobiles.

The Common Shares will not be offered and sold in any state where the BOR is not registered as a broker-dealer. The BOR, in its capacity as broker of record for this offering, will be permitted to make a determination that the subscribers of the Common Shares in this offering are "qualified purchasers" in reliance on the information and representations provided by the subscriber regarding the subscriber's financial situation.

Before making any representation that your investment does not exceed applicable federal thresholds, we encourage you to review Rule 251(d)(2)(i)(C) of Regulation A. For general information on investing, we encourage you to refer to <u>http://www.investor.gov.</u>

**IMPLICATIONS OF BEING AN EMERGING GROWTH COMPANY**

We are not subject to the ongoing reporting requirements of the Securities Exchange Act of 1934, as amended (the "Exchange Act") because we are not registering our securities under the Exchange Act. Rather, we will be subject to the more limited reporting requirements under Regulation A, including the obligation to electronically file: (i) annual reports (including disclosure relating to our business operations for the preceding three fiscal years, or, if in existence for less than three years, since inception, related party transactions, beneficial ownership of the issuer's securities, executive officers and directors and certain executive compensation information, management's discussion and analysis ("MD&A") of the issuer's liquidity, capital resources, and results of operations, and two years of audited financial statements), (ii) semiannual reports (including disclosure primarily relating to the issuer's interim financial statements and MD&A) and (iii) current reports for certain material events.

In addition, at any time after completing reporting for the fiscal year in which our offering statement was qualified, if the securities of each class to which this Offering Statement relates are held of record by fewer than 300 persons and offers or sales are not ongoing, we may immediately suspend our ongoing reporting obligations under Regulation A.

If and when we become subject to the ongoing reporting requirements of the Exchange Act, as an issuer with less than $1.07 billion in total annual gross revenues during our last fiscal year, we will qualify as an "emerging growth company" under the Jumpstart Our Business Startups Act of 2012 (the "JOBS Act") and this status will be significant. An emerging growth company may take advantage of certain reduced reporting requirements and is relieved of certain other significant requirements that are otherwise generally applicable to public companies. In particular, as an emerging growth company we:

● will not be required to obtain an auditor attestation on our internal controls over financial reporting pursuant to the Sarbanes-Oxley Act of 2002;

● will not be required to provide a detailed narrative disclosure discussing our compensation principles, objectives and elements and analyzing how those elements fit with our principles and objectives (commonly referred to as "compensation discussion and analysis");

● will not be required to obtain a non-binding advisory vote from our shareholders on executive compensation or golden parachute arrangements (commonly referred to as the "say-on-pay", "say-on-frequency" and "say-on-golden-parachute" votes);

● will be exempt from certain executive compensation disclosure provisions requiring a pay-for-performance graph and CEO pay ratio disclosure;

● may present only two years of audited financial statements and only two years of related Management's Discussion and Analysis of Financial Condition and Results of Operations, or MD&A; and

● will be eligible to claim longer phase-in periods for the adoption of new or revised financial accounting standards.

We intend to take advantage of all of these reduced reporting requirements and exemptions, including the longer phase-in periods for the adoption of new or revised financial accounting standards, and hereby elect to do so. Our election to use the phase-in periods may make it difficult to compare our financial statements to those of non-emerging growth companies and other emerging growth companies that have opted out of the phase-in periods under Section 107 of the JOBS Act.

Under the JOBS Act, we may take advantage of the above-described reduced reporting requirements and exemptions for up to five years after our initial sale of common equity pursuant to a registration statement declared effective under the Securities Act of 1933, as amended (the "Securities Act"), or such earlier time that we no longer meet the definition of an emerging growth company. Note that this Offering, while a public offering, is not a sale of common equity pursuant to a registration statement, since the Offering is conducted pursuant to an exemption from the registration requirements. In this regard, the JOBS Act provides that we would cease to be an "emerging growth company" if we have more than $1.07 billion in annual revenues, have more than $700 million in market value of our Common Stock held by non-affiliates, or issue more than $1 billion in principal amount of non-convertible debt over a three-year period.

Certain of these reduced reporting requirements and exemptions are also available to us due to the fact that we may also qualify, once listed, as a "smaller reporting company" under the rules of the Securities and Exchange Commission (the "SEC"). For instance, smaller reporting companies are not required to obtain an auditor attestation on their assessment of internal control over financial reporting; are not required to provide a compensation discussion and analysis; are not required to provide a pay-for-performance graph or CEO pay ratio disclosure; and may present only two years of audited financial statements and related MD&A disclosure.

**OFFERING CIRCULAR SUMMARY**

*This summary highlights certain information about us and this Offering contained elsewhere in this Offering Circular. Because it is only a summary, it does not contain all the information that you should consider before investing in our securities and it is qualified in its entirety by, and should be read in conjunction with, the more detailed information appearing elsewhere in this Offering Circular. Before you decide to invest in our securities, you should read the entire Offering Circular carefully, including "Risk Factors" beginning on page 14 and our financial statements and the accompanying notes included in this Offering Circular.*

**Overview of the Company**

Worthy Wealth, Inc. (the "Company") was formed as a Georgia corporation on July 11, 2023, and has authorized 10,000,000 shares of its par value common stock, with a par value of $0.0001 (the "Common Shares"). To date our activities have involved the organization of our Company, the Subsidiaries, and the execution of a stock purchase agreement (the "SPA") pursuant to which the Company intended to acquire all of the issued and outstanding equity of Worthy Property Bonds, Inc., a Florida corporation ("WPB") and Worthy Property Bonds 2, Inc., a Florida corporation ("WPB2"), which we refer to together as the "WPB Companies", as well as their two wholly-owned subsidiaries, Worthy Lending V, LLC, a Delaware limited liability company and a subsidiary of WPB ("Worthy Lending V") and Worthy Lending VI, LLC, a Delaware limited liability company and a subsidiary of WPB2 ("Worthy Lending VI"), which we refer to together as the "Worthy Lending Entities" (the "Acquisition"). The SPA was executed on December 11, 2023, by and between the Company and Worthy Financial Inc., a Delaware corporation ("WFI") (the "Purchase Agreement"). The WPB Companies and the Worthy Lending Entities are collectively referred to herein as the "Target Companies". We terminated the Acquisition and all related agreements on February 4, 2026.

The Company, through its Subsidiaries, is presently engaged in the business of real estate finance. The Company may form and operate additional subsidiaries going forward that engage in similar, or potentially different, business operations that are exempt under the ICA. Our business model, which is implemented through our subsidiaries, and anticipated additional subsidiaries, is largely centered primarily around purchasing or otherwise acquiring mortgages and other liens on and interests in real estate. More specifically, the types of investments the Company intends to make through its subsidiaries include 1-3 year first mortgages for smaller developers, a combination of first mortgages and equity interest in real estate for larger developers, investments in infrastructure development projects for major U.S. homebuilders, and investments in senior living facilities. This anticipated business model would include loans and investments from $500,000 to $5,000,000 secured by or including ownership interest in, properties with loan or investment to value ratios (supported by third-party appraisals) of approximately 67% and generating yields of between 11% and 17%.

We presently anticipate that (i) at least 55% of the assets to be held by our currently operating Subsidiaries, and anticipated additional subsidiaries, will consist of "mortgages and other liens on and interests in real estate" ("Qualifying Interests"), (ii) at least an additional 25% of the assets to be held by the Target Companies, WWR, and anticipated additional subsidiaries, will consist of "real estate-type interests" (subject to proportionate reduction if greater than 55% of our assets are Qualifying Interests), and (iii) not more than 20% of the total assets to be held by the Company, WWR, and anticipated additional subsidiaries, shall consist of assets that have no relationship to real estate provided the amount and nature of such activities do not cause us to lose our exemption from regulations as an investment company pursuant to the Investment Company Act. Qualifying Interests are assets that represent an actual interest in real estate or are loans or liens "fully secured by real estate" but exclude securities in other issuers engaged in the real estate business. Real estate-type interests include certain mortgage-related instruments including loans where 55% of the fair market value of the loan is secured by real property at the time the issuer acquired the loan and agency partial-pool certificates.

**Summary of the Offering**

---

| | |
|:---|:---|
| *Securities being offered:* | Up to 4,000,000 shares of common stock with a par value $0.0001 per share (the "Common Shares"), on a "best-efforts" basis, for a maximum amount of $40,000,000 ("Maximum Offering Amount"). |
| *Offering Price:* | $10.00 per Common Share. |
| *Regulation A Tier:* | Tier 2 |
| *Investor Suitability:* | The Common Shares will not be sold to any person unless they are a "qualified purchaser". A "qualified purchaser" includes: (1) an "accredited investor" as that term is defined in Rule 501(a) of Regulation D promulgated under the Securities Act of 1933 (the "Securities Act"); or (2) all other investors who meet the investment limitations set forth in Rule 251(d)(2) (C) of Regulation A. Such persons as stated in (2) above must conform with the "*Investment Amount Restrictions*" as described in the section below. Each person acquiring Common Shares may be required to represent that he, she or it is purchasing the Common Shares for his, her or its own account for investment purposes and not with a view to resell or distribute the securities. Each prospective purchaser of Common Shares may be required to furnish such information or certification as the Company may require in order to determine whether any person or entity purchasing the Common Shares is an accredited investor if such is claimed by the investor. Furthermore, the Common Shares will only be offered and sol to investors located in states where the BOR is registered as a broker-dealer. |
| *Investment Amount Restrictions:* | Generally, no sale may be made to you in this offering if the aggregate purchase price you pay is more than 10% of the greater of your annual income or net worth. Different rules apply to accredited investors and non-natural persons. Before making any representation that your investment does not exceed applicable thresholds, you are encouraged to review Rule 251(d)(2)(i)(c) of Regulation A. For general information on investing, you are encouraged to refer to <u>www.investor.gov</u>. |
| *Securities outstanding prior to this offering:* | As of December 31, 2026, the Company has 3,151,260 Common Shares issued and outstanding. |
| *Securities Outstanding after the offering* | After the Offering the Company will have 7,121,500 Common Shares issued and outstanding, assuming all the Offering is fully subscribed. |
| *Manner of offering:* | The Common Shares described in this offering circular will be offered on a continuous basis. This offering is being conducted on a "best-efforts" basis. All proceeds of sales in this offering will be released to the Company. We have engaged the services of the BOR, which is a registered broker-dealer, to provide processing and compliance services in connection with the offering.<br>If any other broker-dealer or other agent/person is engaged to sell our Common Shares, we will file a post-qualification amendment to the offering statement of which this offering circular forms a part disclosing the names and compensation arrangements prior to any sales by such persons. Please see "*Plan of Distribution*" beginning on page 40 of this offering circular. |

---

---

| | |
|:---|:---|
| *Broker* | The Company has entered into an agreement with the BOR, which is registered as a broker-dealer under the Exchange Act and in each state where the offer or sales of the Common Shares will occur, and is a member of FINRA and the SIPC. The BOR acts as broker of record and is entitled to a Brokerage Fee (as defined below under "*Plan of Distribution – Fees and Expenses" and "Broker*"). The BOR will provide processing and compliance services in connection with the Offering. The Common Shares will be offered and sold only in states where the BOR is registered as a broker-dealer. Please see "*Plan of Distribution* – *Broker*" beginning on page 42 of this offering circular. |
| *Minimum and Maximum Investment Amount* | The minimum investment amount per investor is $500. There is no maximum investment amount per investor. |
| *Voting Rights* | The Common Shares do have voting rights. |
| *Dividends:* | The Company does not presently intend to pay dividends on the Common Shares, and will instead use any net income generated by the Company's business for general working capital purposes.<br>|
| *Liquidation:* | In the event of a liquidation of the Company, the holders of the Common Shares will share pro rata in any funds available for distribution to security holders.<br>|
| *Risk Factors:* | Purchasing the Common Shares and our business in general is subject to numerous risks and uncertainties, including those highlighted in the section titled "*Risk Factors*" beginning on page 14. |
| *How to invest:* | Please visit the Worthy Website at <u>www.worthyshares.com</u> and click the "Invest" button at the top of the home page. Please see "*Plan of Distribution*" appearing later in this offering circular. |

---

---

| | |
|:---|:---|
| *Use of proceeds:* | If we sell all 4,000,000 of our Common Shares ($40000000) offered hereby we estimate we will receive net proceeds from this offering of approximately $37,740,000. The Company expects that the amount of offering expenses, which will be bourn entirely by the Company, will be approximately $2,260,000, including commissions, professional and compliance fees and other costs of the offering. We intend to use the proceeds from this offering to fund the acquisition of the Worthy Fintech Platform, to support the Subsidiaries, and general corporate purposes, and to fund other real estate investments under applicable exemptions from the Investment Company Act, to implement the business model described above. See "*Use of Proceeds*." |
| *Transfer Agent and*<br> *Technology Platform:* | The Company has engaged KoreConX ("Kore") to provide a platform of services with respect to the Offering.<br>Kore, a technology infrastructure provider to the private capital markets, will provide the technology for the Company to present the Offering on the Company's website, as it does for its other clients. The Kore technology is the issuance technology that will collect the information that is needed for our FINRA Broker-Dealer, Texture Capital, Inc. ("Texture"), to provide processing and compliance services in connection with the Offering. The Kore technology has an integrated payment provider and escrow provider, both of which the Company has contracted with directly. Kore also provides the Company with a private label experience for the Company's investors to log in and access the status of their investment with the Company. Kore requires that a FINRA Broker-Dealer is engaged for the Offering, as the Company has done through its engagement of Texture.<br>KoreTransfer USA, an affiliate of Kore, will act as the Company's transfer agent and will maintain the Company's share register upon the initial closing of the offering.<br>Kore and KoreConX (collectively, the "Kore Group") charge a fixed monthly fee for the foregoing services.<br>Under the Company's engagement with the Kore Group, the Kore Group will not provide broker-dealer services to the Company. As stated above, a condition to the engagement is that the Company separately engage a FINRA Broker-Dealer, which the Company has done. The Kore Group will not receive any commission with respect to the Company's sale of securities in the Offering, and no part of its business involves the recommending of securities for purchase. |
| *Termination of the offering* | The termination of the offering will occur on the earlier of (i) the date that we receive subscriptions for all Common Shares offered hereby, (ii) an earlier date determined by the Company in its sole discretion, or (iii) three years after the initial qualification of the offering. We reserve the right to terminate this offering for any reason at any time. |

---

**Summary of Risks Affecting Us**

Our business is subject to numerous risks and uncertainties, including those highlighted in the section titled "*Risk Factors*" beginning on page 14. These risks include, but are not limited to the following:

● We are an early-stage startup with no operating history, and we may never become profitable;

● Other than through the sale of the Common Shares, and income generated from the operation of our business, we may be unable to meet our operating expenses;

● We have no operating history in an evolving industry, which makes it difficult to evaluate our future prospects and may increase the risk that we will not be successful;

● Public health epidemics or outbreaks (such as the novel strain of coronavirus (COVID-19)) could adversely impact our business;

● We operate in a highly regulated industry, and our business may be negatively impacted by changes in the regulatory environment;

● Our business may be negatively impacted by worsening economic conditions and fluctuations in the credit market;

● Competition in our industry is intense;

● Holders of our Common Shares are exposed to the credit risk of our Company;

● There has been no public market for our Common Shares and none is expected to develop; and

● We could be materially and adversely affected if we are deemed to be an investment company under the Investment Company Act.

**Selected Historical Consolidated Financial Data**

The following table presents our summary historical consolidated financial data for the period indicated. The summary historical consolidated financial data for the FYE June 30, 2025, which is derived from the audited consolidated financial statements.

Historical results are included for illustrative and informational purposes only and are not necessarily indicative of results we expect in future periods, and results of interim periods are not necessarily indicative of results for the entire year. You should read the following summary financial data in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and our consolidated financial statements and related notes appearing elsewhere in this Offering Circular.

---

| | |
|:---|:---|
|  | **June 30, 2025** |
| **Statement of Operations Data** |  |
| Total revenues | $— |
| Gross profits | $— |
| Total operating expenses | $486963 |
| Loss from operations | $486963 |
| Nonoperating income (expense) | $100027 |
| Net loss | $(386936) |
| Net loss per share, basic and diluted | (0.12) |
| **Balance Sheet Data (at period end)** |  |
| Cash and cash equivalents | $706513 |
| Working capital | $687908 |
| Total assets | $796202 |
| Total liabilities | $108294 |
| Stockholder's equity (deficit) | $687908 |

---

(1) Working
capital represents total assets less total liabilities.<sup>1</sup>

<sup>1</sup> DW NTD – Please include the 6/30/25 audited financial numbers.

**RISK FACTORS**

*Investing in our securities involves risks. In addition to the other information contained in this offering circular, you should carefully consider the following risks before deciding to purchase our securities in this offering. The occurrence of any of the following risks might cause you to lose all or a part of your investment. Some statements in this offering circular, including statements in the following risk factors, constitute forward-looking statements. Please refer to "Cautionary Statement Regarding Forward-Looking Statements" for more information regarding forward-looking statements.*

**Risks Related to our Industry**

***The lending industry is highly regulated. Changes in regulations or in the way regulations are applied to our business could adversely affect our business.***

Changes in laws or regulations or the regulatory application or judicial interpretation of the laws and regulations applicable to us could adversely affect our ability to operate in the manner in which we intend to conduct business or make it more difficult or costly for us to participate in or otherwise make loans. A material failure to comply with any such laws or regulations could result in regulatory actions, lawsuits, and damage to our reputation, which could have a material adverse effect on our business and financial condition and our ability to participate in and perform our obligations to investors and other constituents.

The initiation of a proceeding relating to one or more allegations or findings of any violation of such laws could result in modifications in our methods of doing business that could impair our ability to collect payments on our loans or to acquire additional loans or could result in the requirement that we pay damages and/or cancel the balance or other amounts owing under loans associated with such violation. We cannot assure you that such claims will not be asserted against us in the future.

***Worsening economic conditions may result in decreased demand for loans, cause borrowers' default rates to increase, and harm our operating results.***

Uncertainty and negative trends in general economic conditions in the United States and abroad, including significant tightening of credit markets, historically have created a difficult environment for companies in the lending industry. Many factors, including factors that are beyond our control, may have a detrimental impact on our operating performance. These factors include general economic conditions, unemployment levels, energy costs and interest rates, as well as events such as natural disasters, acts of war, terrorism, pandemic like the recent coronavirus (COVID-19) and catastrophes.

There can be no assurance that economic conditions will remain favorable for our business or that demand for loans in which we participate or default rates by borrowers will remain at current levels. Reduced demand for loans would negatively impact our growth and revenue, while increased default rates by borrowers may inhibit our access to capital and negatively impact our profitability. Further, if an insufficient number of qualified borrowers apply for loans, our growth and revenue would be negatively impacted.

***Competition for employees is intense, and we may not be able to attract and retain the highly skilled employees whom we need to support our business.***

Competition for highly skilled personnel, especially data analytics personnel, is extremely intense, and we could face difficulty identifying and hiring qualified individuals in many areas of our business. We may not be able to hire and retain such personnel. Many of the companies with which we compete for experienced employees have greater resources than we have and may be able to offer more attractive terms of employment. In addition, we intend to invest significant time and expense in training our employees, which increases their value to competitors who may seek to recruit them. If we fail to retain our employees, we could incur significant expenses in hiring and training their replacements and the quality of our services and our ability to serve borrowers could diminish, resulting in a material adverse effect on our business.

***We operate in a competitive market which may intensify, and competition may limit our ability to implement our business model and have a material adverse effect on our business, financial condition, and results of operations.***

We operate in a competitive market which may intensify, and competition may limit our ability to implement our business model and have a material adverse effect on our business, financial condition, and results of operations. Our competitors may be able to have a lower cost for their services which would lead to borrowers choosing such other competitors over the Company. In addition, some of our competitors may have higher risk tolerances or different risk assessments, which could allow them to consider a wider variety of loans and investments, offer more attractive pricing or other terms and establish more relationships than us.

**Risks Related to Our Company**

***We have a limited operating history upon which you can evaluate our performance***.

The Company has a limited operating history and is, thus, currently not profitable. The Company expects that it will lose money in the foreseeable future, and we may not be able to achieve profitable operations. The majority of the proceeds from this Offering will be utilized by the Company to acquire the Worthy Fintech Platform (as defined below), to provide funding to the Company's Subsidiaries, to form new subsidiaries, and for general working capital. The Company cannot be certain that its business will be successful or that it will generate significant revenues and become profitable. An investment in the Company is highly speculative, and no assurance can be given that the stockholders will realize any return on their investment or that they will not lose their entire investment.

***Our management has raised substantial doubt about our ability to continue as a going concern and our independent registered public accounting firm has included an explanatory paragraph relating to our ability to continue as a going concern in its audit report with respect to our audited consolidated financial statements for the year ended June 30, 2025.***

We are an early-stage company with no operating history, and we may never become profitable. Our management has raised substantial doubt about our ability to continue as a going concern and our independent registered public accounting firm has included an explanatory paragraph in their opinion on our audited consolidated financial statements for the year ended June 30, 2025, that states that there is a substantial doubt about our ability to continue as a going concern. The accompanying consolidated financial statements have been prepared assuming that we will continue as a going concern. There is substantial doubt about our ability to continue as a going concern. No assurances can be given that we will generate sufficient revenue or obtain necessary financing to continue as a going concern. No assurances can be given that we will achieve success in selling our Common Shares.

***We may need to raise additional capital to implement our business plan.***

We have generated limited revenues and we are dependent on the proceeds from this Offering to provide funds to implement our business model. We are dependent on the proceeds of the business operations of our Subsidiaries, as well as any other formed or to be formed subsidiaries, to implement our business model. We may have substantial future cash requirements but no assured financing source to meet such requirements. If adequate funds are not available, including from this Offering, the Company may be required to delay or scale back its business plan.

***We have a limited operating history in an evolving industry, which makes it difficult to evaluate our future prospects and may increase the risk that we will not be successful.***

We have a limited operating history in an evolving industry that may not develop as expected. Assessing our business and future prospects is challenging in light of the risks and difficulties we may encounter. These risks and difficulties include our ability to:

● expand the user base for the Worthy App and Worthy Website;

● Increase the number and total volume of loans and other permissible investments made by our Subsidiary issuers;

● improve the terms on which loans are made to borrowers as our business becomes more efficient;

● increase the effectiveness of our direct marketing and lead generation through referral sources;

● favorably compete with other companies that are currently in, or may in the future enter, the business of financing small real estate developers;

● successfully navigate economic conditions and fluctuations in the credit market;

● effectively manage the growth of our business; and

● successfully expand our business into adjacent markets.

We may not be able to successfully address these risks and difficulties, which could harm our business and cause our operating results to suffer.

***We may experience losses on the loans we make or other permissible investments by our lending subsidiaries.***

The loans made and to be made by our lending Subsidiaries are and are planned to be primarily secured by the assets of the borrowers, there is no assurance that general economic conditions or the specific business and financial condition of the borrower, will not result in loan defaults. In that event, we would incur the costs to foreclose on our secured interests and there are no assurances that the amount we may recover from the disposal of the assets will equal the amounts of the obligation and associated costs.

***If the information provided by borrowers is incorrect or fraudulent, we may misjudge a customer's qualification to receive a loan, and our operating results may be harmed.***

Although a significant part of our loan decisions will be based on appraisals of the real estate and other assets underlying the loans, our decisions will be based partly on information provided to us by loan applicants. To the extent that these applicants provide information to us in a manner that we are unable to verify, we may not be able to accurately assess the associated risk. In addition, data provided by third-party sources is a significant component of our underwriting process, and this data may contain inaccuracies. Inaccurate analysis of credit data that could result from false loan application information could harm our reputation, business, and operating results.

***Our efforts to launch Worthy Wealth Realty, Inc. may not be effective.***

We have recently our Subsidiaries which intend to offer bonds for infrastructure development for national real estate home builders, loans to senior living facilities, and potentially other types of loans. We could incur substantial losses, and our business operations could be disrupted if we are unable to effectively implement our business model, which would negatively impact the financial position of the Company and would negatively impact your investment.

***Our risk management efforts may not be effective.***

We could incur substantial losses, and our business operations could be disrupted if we are unable to effectively identify, manage, monitor, and mitigate financial risks, such as credit risk, interest rate risk, liquidity risk, and other market-related risk, as well as operational risks related to our business, assets, and liabilities. To the extent our models used to assess the creditworthiness of potential borrowers do not adequately identify potential risks, the risk profile of such borrowers could be higher than anticipated. Our risk management policies, procedures, and techniques may not be sufficient to identify all of the risks we are exposed to, mitigate the risks that we have identified, or identify concentrations of risk or additional risks to which we may become subject in the future.

***We will rely on various referral sources and other borrower lead generation sources, including lending platforms.***

Unlike banks and other larger competitors with significant resources, we intend to rely on our smaller-scale marketing efforts, affinity groups, partners, and loan referral services to acquire borrowers. We do not have exclusive rights to referral services, and we cannot control which mortgage loans or the volume of mortgage loans we are sent. In addition, our competitors may enter into exclusive or reciprocal arrangements with their own referral services, which might significantly reduce the number of small mortgage borrowers we are referred. Any significant reduction in small developer mortgage borrower referrals could have an adverse impact on our loan volume, which will have a correspondingly adverse impact on our operations and our Company.

***We are subject to a number of conflicts of interest arising out of our relationship with WFI and its subsidiaries, including the WPB Companies and WWR, which may not be resolved in our favor.***

We are subject to a number of conflicts of interest arising out of our relationship with WFI and its subsidiaries. Certain of our executive officers and directors, but not all, are also executive officers and directors of WFI its subsidiaries. These potential conflicts of interest pose a risk that those executive officers and directors may devote an insufficient amount of time and effort to operating our Company because they are too busy devoting their time and effort to the operations of the other entities set forth above. There are no assurances that any conflicts which may arise will be resolved in our favor, which could adversely affect our operations.

***A significant disruption in our computer systems or a cybersecurity breach could adversely affect our operations.***

We rely extensively on our computer systems to manage our loan origination and other processes. Our systems are subject to damage or interruption from power outages, computer and telecommunications failures, computer viruses, cyber security breaches, vandalism, severe weather conditions, catastrophic events and human error, and our disaster recovery planning cannot account for all eventualities. If our systems are damaged, fail to function properly or otherwise become unavailable, we may incur substantial costs to repair or replace them, and may experience loss of critical data and interruptions or delays in our ability to perform critical functions, which could adversely affect our business and results of operations. Any compromise of our security could also result in a violation of applicable privacy and other laws, significant legal and financial exposure, damage to our reputation, loss or misuse of the information and a loss of confidence in our security measures, which could harm our business.

***Our ability to protect the confidential information of our borrowers and investors may be adversely affected by cyber-attacks, computer viruses, physical or electronic break-ins or similar disruptions.***

We process certain sensitive data from our borrowers and investors. While we have taken steps to protect confidential information that we receive or have access to, our security measures could be breached. Any accidental or willful security breaches or other unauthorized access to our systems could cause confidential borrower and investor information to be stolen and used for criminal purposes. Security breaches or unauthorized access to confidential information could also expose us to liability related to the loss of the information, time-consuming and expensive litigation and negative publicity. If security measures are breached because of third-party action, employee error, malfeasance or otherwise, or if design flaws in our software are exposed and exploited, our relationships with borrowers and investors could be severely damaged, and we could incur significant liability.

Because techniques used to sabotage or obtain unauthorized access to systems change frequently and generally are not recognized until they are launched against a target, we may be unable to anticipate these techniques or to implement adequate preventative measures. In addition, federal regulators and many federal and state laws and regulations require companies to notify individuals of data security breaches involving their personal data. These mandatory disclosures regarding a security breach are costly to implement and often lead to widespread negative publicity, which may cause borrowers and investors to lose confidence in the effectiveness of our data security measures. Any security breach, whether actual or perceived, would harm our reputation, we could lose borrowers and investors and our business and operations could be adversely affected.

Any significant disruption in service on our platform or in our computer systems, including events beyond our control, could prevent us from processing or posting payments on loans, reduce the attractiveness of our marketplace and result in a loss of borrowers or investors.

In the event of a system outage and physical data loss, our ability to perform our servicing obligations, process applications or make loans available would be materially and adversely affected. The satisfactory performance, reliability and availability of our technology are critical to our operations, customer service, reputation and our ability to attract new and retain existing borrowers and investors.

Any interruptions or delays in our service, whether as a result of third-party error, our error, natural disasters or security breaches, whether accidental or willful, could harm our relationships with our borrowers and investors and our reputation. Additionally, in the event of damage or interruption, our insurance policies may not adequately compensate us for any losses that we may incur. Our disaster recovery plan has not been tested under actual disaster conditions, and we may not have sufficient capacity to recover all data and services in the event of an outage. These factors could prevent us from processing or posting payments on the loans, damage our brand and reputation, divert our employees' attention, reduce our revenue, subject us to liability and cause borrowers and investors to abandon our marketplace, any of which could adversely affect our business, financial condition and results of operations.

We contract with third parties to provide services related to our online web lending and marketing, as well as systems that automate the servicing of our loan portfolios. While there are material cybersecurity risks associated with these services, we require that our vendors provide industry-leading encryption, strong access control policies, Statement on Standards for Attestation Engagements (SSAE) 16 audited data centers, systematic methods for testing risks and uncovering vulnerabilities, and industry compliance audits to ensure data and assets are protected. To date, we have not experienced any cyber incidents that were material, either individually or in the aggregate.

***If our estimates of loan receivable losses are not adequate to absorb actual losses, our provision for loan receivable losses would increase, which would adversely affect our results of operations.***

We maintain an allowance for loans receivable losses. To estimate the appropriate level of allowance for loan receivable losses, we will consider known and relevant internal and external factors that affect loan receivable collectability, including the total amount of loan receivables outstanding, historical loan receivable charge-offs, our current collection patterns, and economic trends. If customer behavior changes as a result of economic conditions and if we are unable to predict how the unemployment rate, housing foreclosures, and general economic uncertainty may affect our allowance for loan receivable losses, our provision may be inadequate. Our allowance for loan receivable losses will be an estimate, and if actual loan receivable losses are materially greater than our allowance for loan receivable losses, our financial position, liquidity, and results of operations could be adversely affected.

***We will face increasing competition of other small developer real estate lenders and, if we do not compete effectively, our operating results could be harmed.***

We compete with other companies that make small developer real estate loans. If we are not able to compete effectively with our competitors, our operating results could be harmed.

***Many of our competitors have significantly more resources and greater brand recognition than we do and may be able to attract borrowers more effectively than we do.***

When new competitors seek to enter one of our markets, or when existing market participants seek to increase their market share, they sometimes undercut the pricing and/or credit terms prevalent in that market, which could adversely affect our market share or ability to explore new market opportunities. Our pricing and credit terms could deteriorate if we act to meet these competitive challenges. Further, to the extent that the fees we pay to our strategic partners and borrower referral sources are not competitive with those paid by our competitors, whether on new loans or renewals or both, these partners and sources may choose to direct their business elsewhere. All of the foregoing could adversely affect our business, results of operations, financial condition, and future growth.

***The collection, processing, storage, use, and disclosure of personal data could give rise to liabilities as a result of governmental regulation, conflicting legal requirements, or differing views of personal privacy rights.***

We receive, collect, process, transmit, store, and use a large volume of personally identifiable information and other sensitive data from borrowers and purchasers of our Subsidiaries' securities and services. There are federal, state, and foreign laws regarding privacy, recording telephone calls, and the storing, sharing, use, disclosure, and protection of personally identifiable information and sensitive data. Specifically, personally identifiable information is increasingly subject to legislation and regulations to protect the privacy of personal information that is collected, processed, and transmitted. Any violations of these laws and regulations may require us to change our business practices or operational structure, address legal claims, and sustain monetary penalties, or other harms to our business.

The regulatory framework for privacy issues in the United States and internationally is constantly evolving and is likely to remain uncertain for the foreseeable future. The interpretation and application of such laws is often uncertain, and such laws may be interpreted and applied in a manner inconsistent with other binding laws or with our current policies and practices. If either we or our third-party service providers are unable to address any privacy concerns, even if unfounded, or to comply with applicable laws and regulations, it could result in additional costs and liability, damage our reputation, and harm our business.

***We are reliant on the efforts of Christopher Carter, Sally Outlaw and Alan Jacobs.***

We rely on our directors and management team and need additional key personnel to grow our business, and the loss of key employees or inability to hire key personnel could harm our business. We believe our success has depended, and continues to depend, on the efforts and talents of our executive officers and directors, Christopher Carter, Sally Outlaw and Alan Jacobs. Our key personnel have expertise that could not be easily replaced if we were to lose any or all of their services.

***Compliance with Regulation A and reporting to the SEC could be costly.***

Compliance with Regulation A could be costly and requires legal and accounting expertise. We are required to file an annual report on Form 1-K, a semiannual report on Form 1-SA, and current reports on Form 1-U.

Our legal and financial staff may need to be increased in order to comply with Regulation A. Compliance with Regulation A will also require greater expenditures on outside counsel, outside auditors, and financial printers in order to remain in compliance. Failure to remain in compliance with Regulation A may subject us to sanctions, penalties, and reputational damage and would adversely affect our results of operations.

***We will be required to publicly report on an ongoing basis under the reporting rules set forth in Regulation A for Tier 2 issuers. Therefore, we will be subject to ongoing public reporting requirements that are less rigorous than Exchange Act rules for companies that are not "emerging growth companies," and our investors could receive less information than they might expect to receive from exchange traded public companies.***

We are required to publicly report on an ongoing basis under the reporting rules set forth in Regulation A for Tier 2 issuers. The ongoing reporting requirements under Regulation A are more relaxed than for "emerging growth companies" under the Exchange Act. The differences include, but are not limited to, being required to file only annual and semiannual reports, rather than annual and quarterly reports. Annual reports are due within 120 calendar days after the end of the issuer's fiscal year, and semiannual reports are due within 90 calendar days after the end of the first six months of the issuer's fiscal year. Therefore, our investors could receive less information than they might expect to receive from exchange traded public companies.

***Our lack of operating history makes it difficult for you to evaluate this investment.***

We have a limited operating history and may not be able to successfully operate our business or achieve our investment objectives. We may not be able to conduct our business as described in our plan of operation.

***We are subject to the risk of fluctuating interest rates, which could harm our planned business operations.***

We expect to generate income from the interest rates we charge borrowers or otherwise make from our permissible investments, including any loan origination fees paid by borrowers. Due to fluctuations in interest rates, we may not be able to charge borrower's an interest rate sufficient for us to generate income, which could harm our planned business operations and could negatively affect your investment in the Company.

***The Company may be subject to fines and penalties for failure to timely file reports and amendments with the SEC, including annual reports, semi-annual reports, current reports, post-qualification amendments, and supplements.***

The SEC requires Regulation A issuers to file certain reports, supplements and amendments after an offering has been qualified to sell to investors. Specifically, issuers are required to file annual and semi-annual reports and current reports reflecting certain changes and events that are material to investors. Further, post-qualification amendments must be filed for ongoing offerings at least every 12 months after the qualification date to include the financial statements that would be required by Form 1–A as of such date; and post-qualification amendments or supplements are required to be filed to reflect any facts or events arising after the qualification date of the offering statement (or the most recent post-qualification amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the offering statement. Any failure to timely file the foregoing could result in SEC fines, penalties, or other enforcement actions, including, in certain circumstances, to a rescission offering, which could potentially negatively impact the financial status of the company involved, and any investments therein. To date, the Company has filed all required annual, semi-annual and current reports, and post-qualification supplements or amendments.

**Risks Related to Being Deemed an Investment Company under the Investment Company Act**

***We could be materially and adversely affected if the Company or any of its Subsidiaries are deemed to be investment companies under the Investment Company Act.***

The Company and its Subsidiaries rely on the exception from the Investment Company Act set forth in Section 3(c)(5)(C) of the Investment Company Act, which excludes from the definition of investment company "any person who is not engaged in the business of issuing redeemable securities, face-amount certificates of the installment type or periodic payment plan certificates, and who is primarily engaged in one or more of the following businesses… (C) purchasing or otherwise acquiring mortgages and other liens on and interests in real estate." The SEC Staff generally requires that, for the exception provided by Section 3(c)(5)(C) to be available, at least 55% of an entity's assets be comprised of mortgages and other liens on and interests in real estate, also known as "qualifying interests," and at least another 25% of the entity's assets must be comprised of additional qualifying interests or real estate-type interests (with no more than 20% of the entity's assets comprised of miscellaneous assets). It is possible that the staff of the SEC could disagree with our determinations. If the staff of the SEC were to disagree with our analysis under the Investment Company Act, we would need to adjust our investment strategy. Any such adjustment in our strategy could have a material adverse effect on us. If the Company or its subsidiaries is deemed to be an investment company, we may be required to register as an investment company if we are unable to dispose of the disqualifying assets, which could have a material adverse effect on us.

Registration under the Investment Company Act would require compliance with a variety of substantive requirements that impose, among other things:

● limitations on capital structure;

● restrictions on specified investments;

● restrictions on leverage or senior securities;

● restrictions on unsecured borrowings;

● prohibitions on transactions with affiliates; and

● compliance with reporting, record keeping, voting, proxy disclosure and other rules and regulations that would significantly increase our operating expenses.

If we were required to register as an investment company but failed to do so, we could be prohibited from engaging in our business, and criminal and civil actions could be brought against us. Registration with the SEC as an investment company would be costly, would subject us to a host of complex regulations and would divert attention from the conduct of our business, which could materially and adversely affect us. In addition, we would no longer be eligible to offer our securities under Regulation A of the Securities Act if we were required to register as an investment company.

***If we are deemed to be an investment company under the Investment Company Act and are therefore ineligible to rely on Regulation A to sell securities, the unregistered issuance of our securities to the investors pursuant to this Offering and/or the unregistered sale of securities by the Company's Subsidiaries pursuant to their offerings, as applicable, would be considered in violation of Section 5 of the Securities Act if there was no other available exemption from registration for this issuance giving the investors a right of rescission.***

We rely on the exception from the Investment Company Act set forth in Section 3(c)(5)(C) of the Investment Company Act, however, if the Company or a Subsidiary is deemed to be an investment company under the Investment Company Act, that entity would no longer be eligible to offer securities under Regulation A of the Securities Act in this Offering, or at all. In the event that this occurs, the Company or Subsidiary, as the case may be, would have to immediately terminate their offering. The unregistered issuance of securities to investors would be considered in violation of Section 5 of the Securities Act if there was no other available exemption from registration for this issuance. The securities sold prior to such termination would be subject to a private right of action for rescission or damages by the purchasing investors. Additionally, the Company and the Subsidiaries may not have the funds required to address all rescissions if a large number of their investors seek rescission at the same time, and as a result may be delayed in the delivery of funds for such rescissions and may be required to sell some of its assets, which may take significant amounts of time and may yield less than is needed to meet its rescission obligations. Additionally, the Company and/or

its Subsidiaries, as applicable, would not be able to raise funds in any other offering pursuant to Regulation A to meet such rescission obligations.

***If we or a subsidiary is deemed to be an investment company under the Investment Company Act and sell securities in reliance on Regulation A and operate as an unregistered investment company, the Company and/or a subsidiary, as the case may be, could be subject to liability under Section 5 of the Securities Act.***

In the event that the Company or a Subsidiary is deemed to be an investment company under the Investment Company Act, and if said entity sells securities in reliance on Regulation A and operates as an unregistered investment company due to a failure to qualify for the Section (3)(c)(5)(C) exemption of the Investment Company Act, or any other exemption, for any securities sold by said entity in reliance on Regulation A, said entity could be liable for violating Section 5 of the Securities Act if any of the securities issued in this Offering would be considered to be an unregistered issuance of securities if no other exemption from registration is available. Section 5 allows purchasers to sue an entity for selling a non-exempt security without registering it, whereby the purchasers seek rescission with interest, or damages if the purchaser sold his securities for less than he purchased them. The Company and/or a subsidiary, as applicable, could also be subject to enforcement action by the SEC that claims a violation of Section 5 of the Securities Act. Additionally, if the Company and/or a subsidiary, as the case may be, was required to register as an investment company but failed to do so and therefore operated as an unregistered investment company, the Company and/or a subsidiary, as the case may be, could be subject to monetary penalties and injunctive relief in an action brought by the SEC.

**Risks Related to the Common Shares and this Offering**

***The characteristics of the Common Shares may not satisfy your investment objectives.***

The Common Shares may not be a suitable investment for you, and we advise you to consult your investment, tax and other professional financial advisors prior to purchasing the Common Shares. The characteristics of the Common Shares may not satisfy your investment objectives, and may not be a suitable investment for you based on your ability to withstand a loss of principal or other aspects of your financial situation, including your income, net worth, financial needs, investment risk profile, return objectives, investment experience and other factors. Prior to purchasing any Common Shares, you should consider your investment allocation with respect to the amount of your contemplated investment in the Common Shares in relation to your other investment holdings and the diversity of those holdings.

***There is no public market for the Common Shares, and none is expected to develop.***

Common Shares are newly issued securities. Although under Regulation A the securities are not restricted, Common Shares are still highly illiquid securities. No public market has developed nor is expected to develop for the Common Shares, and we do not intend to list the Common Shares on a national securities exchange or interdealer quotational system. You should be prepared to hold your Common Shares as they are expected to be highly illiquid investments.

***The Company is controlled by its officers and directors.***

The Company's officers and directors currently hold over 96% of the Company's Common Stock, and at the conclusion of this offering will continue to hold a significant percentage of the Company's voting stock. As a result, investors in this offering may not have the ability to control or influence a vote of the shareholders.

***The subscription agreement has a forum selection provision that requires disputes be resolved in state or federal courts in the State of Georgia, regardless of convenience or cost to you, the investor.***

In order to invest in this offering, investors agree to resolve disputes arising under the subscription agreement in state or federal courts located in the State of Georgia, for the purpose of any suit, action or other proceeding arising out of or based upon the agreement. The forum selection provision will not be applicable to lawsuits arising from the federal securities laws. You will not be deemed to have waived the Company's compliance with the federal securities laws and the rules and regulations thereunder. This forum selection provision may limit your ability to obtain a favorable judicial forum for disputes with us. Alternatively, if a court were to find the provision inapplicable to, or unenforceable in an action, we may incur additional costs associated with resolving such matters in other jurisdictions, which could adversely affect our business, financial condition or results of operations.

***The Company's Bylaws contain a forum selection and attorney's fee shifting provision that requires disputes be resolved in state or federal courts in the State of Georgia, and further stipulates that the prevailing party in such dispute shall be entitled to reasonable attorney's fees.***

These choice of forum provisions may limit our stockholders' ability to bring a claim in a judicial forum that it finds favorable for disputes with us or our directors, officers, employees or agents, which may discourage such lawsuits against us and our directors, officers, employees and agents even though an action, if successful, might benefit our stockholders. Stockholders who do bring a claim in the specified courts could face additional litigation costs in pursuing any such claim. The specified courts may also reach different judgments or results than would other courts, including courts where a stockholder considering an action may be located or would otherwise choose to bring the action, and such judgments or results may be more favorable to us than to our stockholders. Alternatively, if a court were to find these provisions of our governance documents inapplicable to, or unenforceable in respect of, one or more of the specified types of actions or proceedings, we may incur additional costs associated with resolving such matters in other jurisdictions, which could have a material adverse effect on our business, financial condition or results of operations.

***You are bound by the fee-shifting provision contained in our bylaws, which may discourage you to pursue actions against us and could discourage shareholder lawsuits that might otherwise benefit the Company and its shareholders.***

Section 7.4 of our bylaws provides that "[i]f any action is brought by any party against another party, relating to or arising out of these Bylaws, or the enforcement hereof, the prevailing party shall be entitled to recover from the other party reasonable attorneys' fees, costs and expenses incurred in connection with the prosecution or defense of such action." Our bylaws provide that for this section, the term "attorneys' fees" or "attorneys' fees and costs" means the fees and expenses of counsel to the Company and any other parties asserting a claim subject to Section 7.4 of the bylaws, which may include printing, photocopying, duplicating and other expenses, air freight charges, and fees billed for law clerks, paralegals and other persons not admitted to the bar but performing services under the supervision of an attorney, and the costs and fees incurred in connection with the enforcement or collection of any judgment obtained in any such proceeding.

We adopted the fee-shifting provision to eliminate or decrease nuisance and frivolous litigation. We intend to apply the fee-shifting provision broadly to all actions except for claims brought under the Exchange Act and Securities Act. There is no set level of recovery required to be met by a plaintiff to avoid payment under this provision. Instead, whoever is the prevailing party is entitled to recover the reasonable attorneys' fees, costs and expenses incurred in connection with the prosecution or defense of such action. Any party who brings an action, and the party against whom such action is brought under Section 7.4 of our bylaws, which could include, but is not limited to former and current shareholders, shareholders that acquire our shares in secondary transactions, Company directors, officers, affiliates, legal counsel, expert witnesses and other parties, are subject to this provision. Additionally, any party who brings an action, and the party against whom such action is brought under Section 7.4 of our bylaws, which could include, but is not limited to former and current shareholders, Company directors, officers, affiliates, legal counsel, expert witnesses and other parties, would be able to recover fees under this provision.

In the event you initiate or assert a claim against us, in accordance with the dispute resolution provisions contained in our Bylaws, and you do not, in a judgment prevail, you will be obligated to reimburse us for all reasonable costs and expenses incurred in connection with such claim, including, but not limited to, reasonable attorney's fees and expenses and costs of appeal, if any. Additionally, this provision in Section 7.4 of our bylaws could discourage shareholder lawsuits that might otherwise benefit the Company and its shareholders.

THE FEE SHIFTING PROVISION CONTAINED IN THE BYLAWS IS NOT INTENDED TO BE DEEMED A WAIVER BY ANY HOLDER OF COMMON STOCK OF THE COMPANY'S COMPLIANCE WITH THE U.S. FEDERAL SECURITIES LAWS AND THE RULES AND REGULATIONS PROMULGATED THEREUNDER. THE FEE SHIFTING PROVISION CONTAINED IN THE BYLAWS DO NOT APPLY TO CLAIMS BROUGHT UNDER THE EXCHANGE ACT AND SECURITIES ACT.

***Investors in the Common Shares may not be entitled to a jury trial with respect to claims arising under the subscription agreement, which could result in less favorable outcomes to the plaintiff(s) in any action under the agreement.***

Investors in the Common Shares will be bound by the subscription agreement, which includes a provision under which investors waive the right to a jury trial of any claim they may have against the Company arising out of or relating to the agreement, including any claims made under the federal securities laws. By signing the agreement, the investor warrants that the investor has reviewed this waiver with his or her legal counsel, and knowingly and voluntarily waives the investor's jury trial rights following consultation with the investor's legal counsel.

If we opposed a jury trial demand based on the waiver, a court would determine whether the waiver was enforceable based on the facts and circumstances of that case in accordance with the applicable state and federal law. To our knowledge, the enforceability of a contractual pre-dispute jury trial waiver in connection with claims arising under the federal securities laws has not been finally adjudicated by a federal court. However, we believe that a contractual pre-dispute jury trial waiver provision is generally enforceable, including under the laws of the State of Georgia, which governs the agreements, by a federal or state court in the State of Georgia. In determining whether to enforce a contractual pre-dispute jury trial waiver provision, courts will generally consider whether the visibility of the jury trial waiver provision within the agreement is sufficiently prominent such that a party knowingly, intelligently and voluntarily waived the right to a jury trial. We believe that this is the case with respect to the subscription agreement. You should consult legal counsel regarding the jury waiver provision before entering into the subscription agreement.

If you bring a claim against the Company in connection with matters arising under the agreement, including claims under the federal securities laws, you may not be entitled to a jury trial with respect to those claims, which may have the effect of limiting and discouraging lawsuits against the Company. If a lawsuit is brought against the Company under any of the agreements, it may be heard only by a judge or justice of the applicable trial court, which would be conducted according to different civil procedures and may result in different outcomes than a trial by jury would have had, including results that could be less favorable to the plaintiff(s) in such an action.

Nevertheless, if the relevant jury trial waiver provision is not permitted by applicable law, an action could proceed under the terms of the agreement with a jury trial. No condition, stipulation or provision of the subscription agreement serves as a waiver by any holder of the Company's securities or by the Company of compliance with any substantive provision of the federal securities laws and the rules and regulations promulgated under those laws. In addition, when the shares are transferred, the transferee is required to agree to all the same conditions, obligations and restrictions applicable to the shares or to the transferor with regard to ownership of the shares that were in effect immediately prior to the transfer of the shares, including but not limited to the subscription agreement.

**DILUTION**

The term "dilution" refers to the reduction (as a percentage of the aggregate shares outstanding) that occurs for any given share of stock when additional shares are issued. Investors in this Offering will experience immediate dilution from the sale of Common Shares by the Company. The Company anticipates that subsequent to this Offering it may require additional capital and such capital may take the form of additional Common Shares, Preferred Shares, other stock, securities or debt convertible into equity. When the Company issues more securities, the percentage of the Company that you own will decrease, even though the value of the Company may increase. If this event occurs, you may own a smaller piece of a larger company. An increase in number of shares could also result from a securities offering (such as an initial public offering, an equity crowdfunding round, a venture capital round, or an angel investment), employees or others exercising stock or other equity options, or by conversion of certain instruments such as convertible bonds, other convertible classes of stock or warrants into other equity. If the Company decides to issue more stock or other securities, an investor could experience value dilution, with each Common Share being worth less than before, and control dilution, with the total percentage an investor owns being less than before. There may also be earnings dilution, with a reduction in the amount earned per share, although this typically occurs only if the Company offers dividends, and most early stage companies like the Company are unlikely to offer dividends, preferring to invest any earnings into the company.

The type of dilution that negatively affects early-stage investors most occurs when a company sells more shares of stock or securities in a "down round," meaning at a lower valuation than in earlier offerings. This type of dilution might also happen upon conversion of convertible notes into shares of stock. Typically, the terms of convertible notes issued by early-stage companies provide that in the event of another round of financing, the holders of the convertible notes get to convert their notes into equity at a "discount" to the price paid by the new investors, *i.e*., they get more shares of stock than the new investors would for the same price. Additionally, convertible notes may have a "price cap" on the conversion price, which effectively acts as a stock price ceiling. Either way, the holders of the convertible notes get more shares of stock for their money than would new investors in that subsequent round. In the event that the financing is a "down round" the holders of the convertible notes will dilute existing equity holders, and even more than the new investors do, because they get more shares of stock for their money. Investors should pay careful attention to the amount of convertible notes that a company has issued and may issue in the future, and the terms of those notes. At present, the Company has not issued any convertible notes, but it is possible that such notes could be issued in the future.

If you are making an investment expecting to own a certain percentage of the Company or expecting each Common Share to hold a certain amount of value, it is important to realize how the value of those Common Shares can decrease by actions taken by the Company. Dilution can make drastic changes to the value of each Common Share, ownership percentage, control, share of revenues and earnings per share.

If you invest in our Common Shares, your interest will be diluted to the extent of the difference between the public offering price per share and the "as adjusted net tangible" book value per share of our Common Shares after this Offering. Net tangible book value per share represents our total tangible assets less total liabilities, divided by the number of shares outstanding. Net tangible book value dilution per share to new investors represents the difference between the amount per share paid by purchasers in this offering, on a fully converted basis, and the as adjusted net tangible book value per share immediately after completion of this Offering.

If you invest in our Common Shares, your interest will be diluted immediately to the extent of the difference between the Offering price per share and the pro forma net tangible book value per share after this Offering. As of the date of this Offering Circular, the net tangible book value of the Company was $687,908 based on the number of Common Shares (4,000,000), warrants (0), options (120,000), and convertible notes (0) issued and outstanding as of the date of this Offering Circular (total of 3,151,260), that equates to a net tangible book value of $0.22 per Share on a pro forma basis. Net tangible book value per share consists of shareholders' equity adjusted for the retained earnings (deficit), divided by the total number of shares of common stock outstanding. The pro forma net tangible book value, assuming full subscription in this Offering would be $5.69 per Share.

Thus, if this Offering is fully subscribed, the net tangible book value per share owned by the Company's current shareholders will have immediately increased by approximately $5.47 per Common Share without any additional investment on their part and the net tangible book value to per Common Share for new investors will immediately be diluted from $10.00 per share to $5.69 per share or by $4.31 per Share. These calculations are based upon fully subscribed offering of Common Shares and do not include the costs associated with this Offering, and such expenses will cause further dilution.

The following table illustrates the approximate per share dilution to new investors discussed above, assuming the issuance of, respectively, 100%, 75%, 50% and 25% of the Common Shares offered for sale in this Offering:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Common Shares Sold** | **4000000** | **3000000** | **2000000** | **1000000** |
| Offering Price | $10.00 | $10.00 | $10.00 | $10.00 |
| Pro forma net tangible book value per Share before the Offering | $0.22 | $0.22 | $0.22 | $0.22 |
| &nbsp;&nbsp;&nbsp;Increase per Share attributable to investors in this Offering | $5.47 | $4.77 | $3.80 | $2.36 |
| &nbsp;&nbsp;&nbsp;Pro forma net tangible book value per Share after the Offering | $5.69 | $4.99 | $4.02 | $2.58 |
| Dilution to investors | $4.31 | $5.01 | $5.98 | $7.43 |
| Dilution as a percentage of Offering Price | 43.1% | 50.1% | 59.8% | 74.3% |

---

**USE OF PROCEEDS**

If all 4,000,000 Common Shares offered hereby are sold, we estimate we will receive net proceeds from this offering of approximately $37,740,000. We expect that the amount of expenses of the offering will be approximately $2,260,000, including professional and compliance fees and other costs of the offering, not including commissions, marketing costs or state filing fees. We plan to use the net proceeds to be received by the Company as follows, though we reserve the right to change the use of proceeds set forth below if all of the Common Shares offered hereby are not sold:

● The to be negotiated acquisition of the Worthy Fintech Platform.

● The organization and financial support of the Company's subsidiaries.

● General operating expenses and overhead.

Funds received will be immediately available to us. We may close the offering without sufficient funds for all the intended purposes set out above.

If all of the Common Shares being offered are sold in this offering we expect to receive gross proceeds of $40,000,000. However, we cannot guarantee that all of the Common shares being offered will be sold. Our present intent, depending on the amount of Common Shares sold, is to use the proceeds from the Offering for the acquisition of the Worthy Fintech Platform, the support of our Subsidiaries, and for other corporate purposes, including, but not limited to, organizing additional wholly owned subsidiaries of the Company to engage in business activities similar to those of Company's current Subsidiaries, to further develop the Company's technology capabilities, to fund and market our Worthy Education and Worthy Thrive projects, and for real estate investments under applicable exemptions from the Investment Company Act, as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **26.6%** | **53.2%** | **79.8%** | **100%** |
| **Gross Proceeds** | $**10638298** | $**21276596** | $**31194894** | $**40000000** |
| Offering Expenses (Underwriting discounts and commissions to placement agents and/or broker-dealers) | $638298 | $1276596 | $1194894 | $2200000 |
| Net Proceeds | $10000000 | $20000000 | $30000000 | $37800000 |
| **Our intended use of the net proceeds is as follows:** |  |  |  |  |
| Funding the operations of the Company's current, and to be formed, wholly owned subsidiaries | $9000000 | $17000000 | $24000000 | $30000000 |
| Working Capital and General Corporate Purposes | $1000000 | $3000000 | $6000000 | $7800000 |
| Total Use of Proceeds | $**100000000** | $**20000000** | $**30000000** | $**37800000** |

---

**DIVIDEND POLICY**

The Company has not declared dividends on any of its shares in the past and does not intend to pay any in the foreseeable future. Any future determination to pay dividends will be at the discretion of the Board of Directors and will depend on the financial condition, business environment, operating results, capital requirements, any contractual restrictions on the payment of dividends, and any other factors that the Board of Directors deems relevant.

**INVESTMENT COMPANY ACT LIMITATIONS**

A company that is treated as an "investment company" under the Investment Company Act is subject to stringent regulation. If we are deemed to be an investment company, we and or a subsidiary may be required to register as an investment company if we are unable to dispose of the disqualifying assets, which could have a material adverse effect on us.

Registration under the Investment Company Act would require compliance with a variety of substantive requirements that impose, among other things:

● limitations on capital structure;

● restrictions on specified investments;

● restrictions on leverage or senior securities;

● restrictions on unsecured borrowings;

● prohibitions on transactions with affiliates; and

● compliance with reporting, record keeping, voting, proxy disclosure and other rules and regulations that would significantly increase our operating expenses.

If we or a subsidiary were required to register as an investment company but failed to do so, we could be prohibited from engaging in our business, and criminal and civil actions could be brought against us. Registration with the SEC as an investment company would be costly, would subject us to a host of complex regulations and would divert attention from the conduct of our business, which could materially and adversely affect us. In addition, we and/or the WPB Companies, as the case may be, would no longer be eligible to offer securities under Regulation A of the Securities Act.

We anticipate that (i) at least 55% of the active Subsidiaries' assets will constitute "mortgages and other liens on and interests in real estate" (Qualifying Interests), (ii) at least 25% of our assets will constitute "real estate-type interests" (subject to proportionate reduction if greater than 55% of our assets are Qualifying Interests) and (iii) no more than 20% of our assets will constitute assets that have no relationship to real estate. As a result, and as discussed in detail below, we believe the Company and its Subsidiaries will *not* be treated as an investment company because of the exemption under Section 3(c)(5)(C) of the 40 Act, which provides that an entity "primarily engaged" in the business of "purchasing or otherwise acquiring mortgages and other liens on and interests in real estate" will not be treated as an investment company.

The SEC has taken the position that an issuer qualifies for the Section 3(c)(5)(C) exemption if the following three conditions are satisfied:

1) At least 55% of its assets consist of "mortgages and other liens on and interests in real estate." We refer to these as "<u>Qualifying Interests</u>."

2) At least an additional 25% of its assets consist of "real estate-type interests" (subject to proportionate reduction if greater than 55% of the issuer's assets are Qualifying Interests).

3) Not more than 20% of the issuer's assets consist of assets that have no relationship to real estate.

The SEC has also taken the position that Qualifying Interests:

1) Include assets that represent an actual interest in real estate or are loans or liens "fully secured by real estate." <br>2) Exclude interests in the nature of securities in other issuers engaged in the real estate business.

In addition, the SEC has taken the position that a mortgage loan will be treated as "fully secured by real property" where the following two conditions are satisfied:

1) 100% of the fair market value of the loan was secured by real estate at the time the issuer acquired the loan. We refer to this as the "<u>Date of Purchase Test</u>."

2) 100% of the principal amount of the loan was secured by real estate at the time of origination. We refer to this as the "Date of Origination Test."

Furthermore, the SEC has taken the position that real estate-type interests include:

1) Certain mortgage-related instruments including loans where 55% of the fair market value of the loan is secured by real property at the time the issuer acquired the loan.

2) Agency partial-pool certificates.

**DESCRIPTION OF BUSINESS**

**Overview of the Company**

Worthy Wealth, Inc. (the "Company") was formed as a Georgia corporation on July 11, 2023, and has authorized 10,000,000 shares of its par value common stock, with a par value of $0.0001 (the "Common Shares"). To date our activities have involved the organization of our Company and the formation of WWM, WWR, WWSL, and WWMI, each as a wholly owned subsidiary.

Our intent is to use the proceeds from the Offering for corporate purposes, including, but not limited to, supporting our Subsidiaries, to organize additional wholly owned subsidiaries of the Company to engage in business activities involving real estate lending and investments in real estate, as well, potentially, of other types investments, to further develop the Company's technology capabilities, to fund and market our Worthy Education and Worthy Thrive projects, and for real estate and other investments under applicable exemptions from the Investment Company Act.

The Company also intends to purchase the Worthy Fintech Platform that allows its users to digitally purchase the Company's and the Subsidiaries' securities. Purchases will be able to be made in several ways including by rounding up the users' debit card and checking account linked credit card purchases and other checking account transactions and thereafter use the "round up" dollars in increments of $10.00 to purchase Worthy Bonds from the Company's subsidiaries. The Company also owns its proprietary website allowing direct purchases of securities (collectively the "Worthy Fintech Platform"). The terms of the acquisition have yet to be finalized.

The Company will through its Subsidiaries be engaged in the business of real estate finance and potentially other types of finance transactions.

Our business model, which has initially been implemented through the Subsidiaries, and in the future potentially additional subsidiaries, is presently centered primarily around purchasing or otherwise acquiring mortgages and other liens on and interests in real estate. More specifically, the types of investments the Company presently makes through its active Subsidiaries include 1-3 year first mortgages for smaller developers, a combination of first mortgages and equity interest in real estate for larger developers, and investments in infrastructure development projects for major U.S. homebuilders. This business model includes loans and investments from $500,000 to $5,000,000 secured by or including ownership interest in, properties with loan or investment to value ratios (supported by third-party appraisals) of approximately 67% and generating yields of between 11% and 17%.

As stated above, the Company's recently formed Subsidiaries, (i) WWR, intends to offer newly structured bonds for infrastructure development for national real estate home builders, (ii) WWSL intends to make various investments in senior living facilities, and (iii) the Company also intends to organize additional wholly owned subsidiary issuers of SEC qualified debt and equity securities.

The Company has not yet generated any revenue and has a limited operating history.

Our management has raised substantial doubt about our ability to continue as a going concern based on these conditions and our independent registered public accounting firm has included an explanatory paragraph relating to our ability to continue as a going concern in its audit report with respect to our audited consolidated financial statements for the year ended June 30, 2025. We expect to generate income through the our Subsidiaries from (i) the interest rates we charge on our loans and other investments which we have acquired and (ii) profits we realize on the sale of the interests in real estate that we acquire. We also expect to use up to 25% of the proceeds from sales of our Common Shares to provide working capital and general corporate purposes for our Company until such time as our revenues are sufficient to pay our operating expenses.

In order to operate our Company for 12 months, we estimate that $250,000 in funds will be required.

Our intent is to use the proceeds from the Offering for corporate purposes, including, but not limited to, organizing additional wholly owned subsidiaries of the Company to engage in business activities involving real estate lending and investments in real estate, to further develop the Company's technology capabilities (including the acquisition of the Worthy Fintech Platform), to fund and market our Worthy Education and Worthy Thrive projects, and for real estate and other investments under applicable exemptions from the Investment Company Act.

**Worthy Education Division**

In addition to, and in support of, current and anticipated Regulation A+ offerings of both debt and equity securities, the Company has introduced the Worthy Education Division, a Participate-to-Earn educational initiative that leverages FinTech to ensure that all participants are equipped with the financial knowledge and tools necessary to contribute to economic growth and to successfully compete in a technologically advanced world.

Particularly, with the financial industry rapidly being transformed by digital innovation, the need for individuals, schools, and businesses to access digital financial literacy skills training with measurable outcomes has never been greater.

Worthy Education is designed to narrow digital financial literacy gaps by providing incentivized learning programs, taught by prominent industry experts, for financial advisors; business executives and owners; tax, legal and real estate professionals; as well as middle and high-school students. To maximize effectiveness, Worthy's programs are structured to incentivize course participants with rewards as well as provide them with a direct line of communication to the innovators themselves.

The rewards ensure that Worthy course participants are not only more actively engaged but are also receiving the financial resources to start building personal nest eggs. Learning directly from the experts and innovators keeps Worthy course participants on the forefront of innovation as well as provides invaluable career networking.

Through interactive live webinars, instructional videos and onsite educational events, Worthy Education offers individuals a deep understanding of how their personal finances and career paths will be impacted by digital transformation as well as how to achieve successful outcomes.

Worthy Education also develops customized digital financial literacy programs for enterprises and academia so that organizations can gain a competitive edge, and so that public and private schools can help close financial and digital gaps.

Worthy Courses include:

● Financial Literacy Basics

● Introduction to Digital Finance Literacy

● Understanding Investing Risks

● Entrepreneurship and Capital Raising in a Digital World

● The Evolution of Economics and Money

**Worthy Thrive**

In development is the Thrive Division of the Company. Thrive is a novel, in person event model that will provide benefits to all participants while also demonstrating the true power of the crowd in fostering economic development – including emerging collaborative "participate-to-earn" economic models. Our objective is to help communities "thrive" by ensuring that we meet the economic interest of all participants, including residents of the community, small local businesses, larger corporations, and local and state governments through education and engagement in crowd funding. It is a unique and hands-on way to educate, introduce and engage citizens to become stakeholders in their communities through small investments they can make in both debt and equity opportunities offered by growing companies.

The financial model for Thrive is as innovative as the event design. The event programming is envisioned to take place over a weekend with a core live crowdfunding showcase for 20 emerging companies who will pitch attendees for capital (within the framework of either Regulation CF or Regulation A+). Other programming will include educational sessions, awards presentations, and family friendly cultural activities like games, music, and culinary experiences. The inaugural Thrive event will be designed to accommodate up to 1,000+ attendees. The ROI for attendees will include knowledge gained through educational sessions and an entertaining program of events – but most importantly they will leave as stakeholders in a growing community business.

**Corporate Information**

We were incorporated under the laws of the State of Georgia on July 11, 2023. The Company has authorized 10,000,000 shares of its common stock, at a par value of $0.0001 per share.

**Worthy Fintech Platform**

The Company intends to acquire certain technology solutions developed by WFI, including the Worthy Fintech Platform, to facilitate the purchase of the Company's and its Subsidiaries' securities and to provide information to investors on their accounts. As a result of the intended acquisition and the various agreements executed in connection therewith, the Company would be the sole owner of the technology underlying the Worthy Fintech Platform and will receive license fees from the Company and WFI subsidiaries utilizing the Worthy Fintech Platform equal to $10 per active user each year. "Active user" is defined as an individual that has registered with the Worthy Fintech Platform (providing an email address).

**Worthy App**

The Worthy App was designed to support the target market for the WFI subsidiaries' securities, which we believe is approximately 74 million millennials, who spend more than $600 billion a year on products and services. The Worthy App seeks to provide an easy way for our target market to micro invest, including monetizing their debit card purchases, credit card purchases and other checking account transactions by "rounding up" each purchase to the next highest dollar. The Worthy App is available via the web or for Apple iPhone users from the Apple Store and for Android phone users from Google Play.

In addition to millennials, we may also seek to establish strategic relationships with local and national companies to incorporate our services into the benefits they provide to their hourly employees, borrowers and users, as well as veterans and municipal employees and colleges and university alumni associations.

The information provided on the Worthy Website and the Worthy App is for informational purposes only, and is not incorporated by reference herein.

**Our Subsidiaries**

Our business will be primarily conducted through our presently operating Subsidiaries, WWR and WWSL. Under our subsidiaries' business models, we intend to generate revenue in multiple ways, through:

● interest generated from each loan that we make or in which we participate;

● distributions from real estate investments; and

● fees from ancillary services that we may introduce to our Worthy members.

**Competitors and Industry**

***Industry***

The survival and growth of small developer businesses depends on access to credit. Banks are the most common source of external credit for small businesses but given the current consolidation trend in U.S. banking, and the continued decline in the number of small banks, there have been significant negative effects on the availability of capital for U.S. companies. Fortunately, over the past decade, additional options for small businesses have emerged with the growth of new technology-enabled lenders. These fintech companies identified the gaps in the small business lending market.

According to a survey by the Small Business Administration, small business non-equity financing of all types amounted to over a trillion dollars. The Company's lending subsidiaries are a part of this growing market.

***Competitors***

We compete with other companies that lend to small real estate developers. These companies include traditional banks, a number of specialized financial providers, and newer, technology-enabled lenders. In addition, other technology companies that lend primarily to individuals have already begun to pursue expanding their services to business lending.

Many of these competitors have significantly more resources and greater brand recognition than we do and may be able to attract customers more effectively than we do.

When new competitors look to enter our market, or when existing industry participants look to increase their market share, they sometimes reduce the pricing and credit terms common in that market, which could adversely affect our business. Our pricing and credit terms could decline if we make an effort to meet these competitive challenges. Further, to the extent that the fees we pay to our partners and borrower referral sources are not competitive with those paid by others, these partners and sources may move their business elsewhere, resulting in us originating less loans. The consequence of these competitive pressures could also cause us to reduce the interest rates we charge to our customers. All of the foregoing could adversely affect our business, results of operations, financial condition, and future growth.

***Competitive Strengths***

*Technology*. The Worthy FinTech Platform is targeted primarily to the millennials who are part of the fastest growing segment of our population. We believe that they have a basic distrust of traditional banking institutions yet they have a need to accumulate assets for retirement or otherwise. The Worthy FinTech Platform provides for a savings and investing alternative for the millennials.

*We will focus on an underserved banking sector*. Due to higher costs, we believe that banks cannot profitably serve the small developer mortgage industry. We believe that this area is one of our competitive strengths because we believe that there are not many lenders who are servicing these borrowers which leaves more room for the Company to pursue opportunities in this sector. Additionally, we believe that this area is one of our competitive strengths because many other lenders are not interested in loans to small developers who seek to finance their real estate to provide funds for short-term development of their properties. However, despite our intentions, we may never be profitable in this sector.

**Marketing**

The Company will promote its platform and mobile app through its own monthly newsletter ("Noteworthy") where financial tips and articles are shared as well as highlights of Worthy employees and technology features. The Worthy App is also promoted via the Apple and Android app stores. We also intend to build product awareness through our representatives speaking at national events such as financial and technology conferences. Marketing for direct loans and participations will be conducted primarily by the management of the Company with professional and business advisers to growing companies.

The Company and its subsidiaries market their securities primarily through digital media channels such as Facebook ads, publishers of financial blogs and through marketing partnerships with other financial service firms and consumer facing brands.

**Operations – Management Services Agreement with Worthy Wealth Management<sup>2</sup>**

We will enter into a Management Services Agreement (the "Management Services Agreement") with WWM, an affiliate. The purpose of this operational structure is to undertake a cost-sharing effort to more efficiently utilize personnel throughout the Company and its Subsidiaries. As a result, our executive officers and the other personnel which provide services to us will all be employed by WWM.

The terms of the Management Services Agreement will provide for WWM to provide to the Company certain management services, personnel and office facilities, including all equipment and supplies that are reasonable, necessary or useful for the day-to-day operations of the business of the Company, subject to such written direction provided by the Company to WWM.

The terms of the Management Services Agreement will provide that the Company agrees to reimburse WWM for the costs incurred by WWM in paying for the staff and office expenses for the Company under the Management Services Agreement. There is no interest rate or maturity associated with the obligations to reimburse WWM under the Management Services Agreement. The reimbursement amounts payable to WWM by the Company will accrue until the Company can make reimbursement payments to WWM from the proceeds of this offering allocated to working capital and distributions from the target companies, which reimbursement payments will be made in advance on a monthly basis.

<sup>2</sup> DW NTD – has this agreement been executed? If so we'll need to include it as an exhibit.

The reimbursement amount under the Management Services Agreement, is equal to the costs incurred by WWM in paying for the staff and office expenses under the Management Services Agreement for the Company and consists of both a to-be-determined portion of the annual salaries and employee benefits of our executive officers and the other personnel employed by WWM based upon the amount of time they devote to us, as well as a pro-rata allocation of office expenses. The monthly reimbursement amount will be based on the costs incurred by WWM in paying for the staff and office expenses for the Company under the Management Services Agreement.

There will be no fees under the Management Services Agreement.

The initial term of the Management Services Agreement will be three years and will automatically renew for successive one year terms. The Management Services Agreement will be terminable at any time upon 30 days' prior written notice from one party to the other.

**Governmental Regulation**

The regulatory framework for nonbank online lending platforms such as those operated by the Company and its subsidiaries is evolving and uncertain. We are affected by laws and regulations, and judicial interpretations of those laws and regulations, that apply to businesses in general, as well as to commercial lending. This includes a range of laws, regulations and standards that address information security, privacy, fair lending and anti-discrimination, fair sales/marketing practices, transparency, credit bureau reporting, anti-money laundering and sanctions screening, commercial lending, licensing and interest rates, among other things. Because our companies are not banks and are engaged in commercial lending, they are not subject to certain of the laws and rules that only apply to banks and that has federal preemption over certain state laws and regulations.

**Legal Proceedings**

From time to time, the Company may be a defendant in pending or threatened legal proceeding arising in the normal course of its business. Management is not aware of any pending, threatened or asserted claims.

**Employees**

At the date of this Offering Circular, we have no full-time employees or independent contractors.

**DESCRIPTION OF PROPERTIES**

At the date of this Offering Circular, the Company does not own real property and currently leases our offices in Alpharetta, Georgia.

**MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION**

**AND RESULTS OF OPERATIONS<sup>3</sup>**

The following discussion of our financial condition and results of operations should be read in conjunction with the consolidated financial statements and the notes to those statements that are included elsewhere in this offering circular. Our discussion includes forward-looking statements based upon current expectations that involve risks and uncertainties, such as our plans, objectives, expectations and intentions. Actual results and the timing of events could differ materially from those anticipated in these forward-looking statements as a result of a number of factors, including those set forth under the Risk Factors, Cautionary Notice Regarding Forward-Looking Statements and Business sections in this offering circular. We use words such as "anticipate," "estimate," "plan," "project," "continuing," "ongoing," "expect," "believe," "intend," "may," "will," "should," "could," and similar expressions to identify forward-looking statements. Our future operating results, however, are impossible to predict and no guaranty or warranty is to be inferred from those forward-looking statements.

**Formation**

We were incorporated under the laws of the State of Georgia on July 11, 2023. The Company has authorized 10,000,000 shares of its common stock, at a par value of $0.0001 per share. Since organization, the Company has formed and begun operations through the Subsidiaries.

**Plan of Operations**

We are a newly organized company and since inception have worked on organizational and development matters. We have generated limited revenues and we are dependent on the proceeds from this Offering to provide funds to implement our business model.

*General*

For the twelve months following the commencement of the offering, we will seek to sell our Common Shares and to use the proceeds thereof to fund the acquisition of the Worthy Fintech Platform, to support our Subsidiaries, as well as to invest in real estate loans and other permissible activities in accordance with our business model.

We believe the proceeds from our sales of our Common Shares will allow us to operate for at least twelve months. However, the extent of our operations will be less depending on the amount of proceeds received and the results of operations of our operating subsidiary.

We plan to start acquiring mortgages from real estate borrowers and other liens on and interests in real estate (Qualified Interests), real estate-type interests, and assets unrelated to real estate in accordance with our business model through the efforts of the principals of the Company and through a network of referral sources including mortgage brokers, professional and business advisers, commercial banks and Chambers of Commerce and other business and trade organizations. The Company currently does not have any contracts with third parties related to the services it intends to provide.

We also intend to form additional subsidiaries, which may engage in business operations similar to our current subsidiaries, or possibly different types of financial transactions.

<sup>3</sup> DW NTD – please update the highlighted sections of the MD&A.

*Specific Plan of Operations and Milestones*

 

Our intent is to use the proceeds from the Offering for corporate purposes, including, but not limited to, organizing additional wholly owned subsidiaries of the Company to engage in business activities involving real estate lending and investments in real estate, to further develop the Company's technology capabilities (including the acquisition of the Worthy Fintech Platform) , to fund and market our Worthy Education and Worthy Thrive projects, and for real estate and other investments under applicable exemptions from the Investment Company Act, as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **26.6%** | **53.2%** | **79.8%** | **100%** |
| **Gross Proceeds** | $**10638298** | $**21276596** | $**31194894** | $**40000000** |
| Offering Expenses (Underwriting discounts and commissions to placement agents and/or broker-dealers) | $638298 | $1276596 | $1194894 | $2200000 |
| Net Proceeds | $10000000 | $20000000 | $30000000 | $37800000 |
| **Our intended use of the net proceeds is as follows:** |  |  |  |  |
| Acquisition of the Worthy Fintech Platform | $2000000 | $2000000 | $2000000 | $2000000 |
| Funding the operations of the Company's current, and to be formed, wholly owned subsidiaries | $7000000 | $15000000 | $22000000 | $28000000 |
| Working Capital and General Corporate Purposes | $1000000 | $3000000 | $6000000 | $7800000 |
| Total Use of Proceeds | $**100000000** | $**20000000** | $**30000000** | $**37800000** |

---

During the next 12 months, we intend to, among other things, receive additional net proceeds from this offering, pay the expenses of this offering with the net proceeds of this offering, and engage in the Company's business as described herein.

**Liquidity and capital resources**

*General*

At June 30, 2025, we had total shareholders' equity of approximately $688,000 as compared to $58,000 shareholders' equity at June 30, 2024. Our total assets increased substantially at June 30, 2025 as compared to $90,000 at June 30, 2024, which principally reflects approximately $706,000 in cash on hand from the sale of Common Shares. Our total liabilities also increased substantially since inception, which is principally related to the liabilities of approximately $87,000 associated with professional fees.

To date, the working capital deficit has been funded by capital infusions to the Company through funds raised in equity financings. One of the primary uses of proceeds of the Offering is to fund the closing of the Acquisition.

Net cash used in operating activities at June 30, 2025 was approximately $214,000. Cash was used primarily to fund our losses.

We plan to finance our operations going forward from the proceeds of monthly license fees payable by each of our wholly-owned subsidiaries. In addition, we anticipate generating revenue directly from online educational programs to be introduced through our Education Division and marketing products and services of other providers and brands to the community of Worthy users. We also anticipate the receipt of equity capital from the proceeds of the Companies Regulation A Offering. With respect to the Offering, of the first $33,000,000 raised in the offering, 10% will be utilized by us for general working capital purposes (including, the funding of our subsidiaries, and, potentially, the formation of additional subsidiaries), and 90% will be utilized to fund the acquisition of the Target Companies under the SPA, with all additional proceeds raised in the offering to be utilized by us for general working capital purposes.

**Going Concern**

The Company is dependent upon proceeds from sales of Common Shares for working capital, and has incurred operating losses since inception. The accompanying consolidated financial statements have been prepared assuming that the Company will continue as a going concern. The Company generated net losses of approximately $387,000 and had cash used in operations of approximately $214,000 for the year ended June 30, 2025. The net losses incurred from inception have resulted in a shareholders' equity and accumulated deficit of approximately $688,000 and $591,000 at year end June 30, 2025. These conditions raise substantial doubt about the Company's ability to continue as a going concern for a period of twelve months from the issuance date of this report. During 2023, the Company began to incur operating expenses, however, the Company is filing a Form 1-A Regulation A Offering Statement which allows the Company to raise funds.

No assurances can be given that the Company will achieve success, without seeking additional financing. There also can be no assurances that the Form 1-A will result in enough additional financing or that any additional financing if required, can be obtained, or obtained on reasonable terms acceptable to the Company. These consolidated financial statements do not include adjustments related to the recoverability and classifications of assets or the amounts and classification of liabilities that might be necessary should the Company be unable to continue as a going concern.

The Company is dependent on the net proceeds of this Offering, as well as, net profits generated from our Subsidiaries' loan portfolios. There are no assurances that management will be able to raise capital on terms acceptable to the Company. If the Company is unable to obtain sufficient amounts of additional capital, it may be required to reduce the scope of the Company's planned development, which could harm its business, financial condition and operating results. The balance sheet does not include any adjustment that may result from these uncertainties.

**Contingent Liabilities**

We may be subject to lawsuits, investigations and claims (some of which may involve substantial dollar amounts) that can arise out of our normal business operations. We would continually assess the likelihood of any adverse judgments or outcomes to our contingencies, as well as potential amounts or ranges of probable losses, and recognize a liability, if any, for these contingencies based on a thorough analysis of each matter with the assistance of outside legal counsel and, if applicable, other experts. Because most contingencies are resolved over long periods of time, liabilities may change in the future due to new developments (including new discovery of facts, changes in legislation and outcomes of similar cases through the judicial system), changes in assumptions or changes in our settlement strategy. There were no contingent liabilities as of September 30, 2023.

**Indebtedness**

The Company has no indebtedness other than legal and auditing fees associated with this Offering.

**Significant Accounting Policies**

Our management's discussion and analysis of our financial condition and results of operations is based on our financial statements, which have been prepared in accordance with U.S. generally accepted accounting principles, or "GAAP." The preparation of these financial statements requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenue and expenses during the reported period. In accordance with GAAP, we base our estimates on historical experience and on various other assumptions that we believe are reasonable under the circumstances. Actual results may differ from these estimates under different assumptions or conditions. Our significant accounting policies are fully described in Note 3 to our financial statements appearing elsewhere in this offering circular, and we believe those accounting policies are critical to the process of making significant judgments and estimates in the preparation of our financial statements.

**DIRECTORS, EXECUTIVE OFFICERS AND SIGNIFICANT EMPLOYEES**

The following table provides information on our current executive officers and directors:

---

| | | |
|:---|:---|:---|
| Name | Age | Positions |
| Sally Outlaw | 63 | President, Chief Executive Officer, and Director |
| Alan Jacobs | 84 | Executive Vice President, Chief Operating Officer, Chief Financial Officer, and Director |
| James Eichmann | 60 | Chief Technology Officer |
| Jungkun Centofanti | 58 | Senior Vice President, Chief Administrative Officer and Corporate Secretary |
| Christopher Carter | 63 | Director |

---

Sally Outlaw is a life-long entrepreneur who is passionate about opening up economic opportunity for all. She serves as our President, Chief Executive Officer and as a member of our Board of Directors. Since 2016, she has also served as Chief Executive Officer of Worthy Financial, Inc. and its wholly owned subsidiaries. Ms. Outlaw is primarily responsible for long-term strategy, product development, and implementing the company vision. From October 2010 to December 2015, she was the president of Peerbackers, LLC, which engaged in all aspects of crowd funding and provided services to help clients navigate the world of crowd finance including the capital and investment opportunities offered through the JOBS ACT. Ms. Outlaw was also president and CEO of Peerbackers Advisory LLC, an inactive SEC-registered investment advisor, prior to its voluntary dissolution on January 16, 2021. Ms. Outlaw is also a licensed real estate broker. Ms. Outlaw received her B.A. in Communications and Media Studies from the University of Minnesota in 1984. Ms. Outlaw brings extensive knowledge and experience in the FinTech industry which we believe will be of great value to the Company.

Alan Jacobs has more than 50 years of experience as a corporate and securities attorney, investment banker, business and financial advisor and entrepreneur/senior executive of both private and public companies. He serves as our Executive Vice President, Chief Operating Officer, Chief Financial Officer and as a member of our Board of Directors. Since 2016, he has also served as Executive Vice President, Chief Operating Officer, and director of Worthy Financial, Inc. and its wholly owned subsidiaries. Prior to joining the Worthy companies, he had been engaged as a business consultant for various early-stage companies. From 2016 to 2018, Mr. Jacobs was the Founder and President of CorpFin Management Group where he was focused on business development, strategic planning, and corporate development. From September 2014 to December 2015, Mr. Jacobs was associated with ViewTrade Securities, a FINRA registered broker-dealer where he was focused on advisory and corporate services. Prior to that time and for more than 30 years, Mr. Jacobs was associated with several FINRA registered broker-dealers including Ladenburg Thalman, Josephthal & Company, and Capital Growth Securities. Mr. Jacobs received his bachelor's degree from Franklin and Marshall College in 1963 and a law degree from Columbia University in 1966.

James ("Jim") Eichmann serves as our Chief Technology Officer and is responsible for all aspects of product development, IT, and security. He has also served as Chief Technology Officer of Worthy Financial, Inc. Prior to joining Worthy, he was with a FinTech company, Billtrust, for 18 years where he held positions as CTO, Chief Data Officer and oversaw revenue-generating product lines. At Billtrust, he helped grow the billing and payments company to over 500 employees and $100 million in revenue while managing a team of 150 engineers across multiple product lines. He also built the security and compliance teams to focus on payment industry and ACH audits and requirements. Prior to Billtrust, Jim held a position as Executive VP of Research and Development at PayTrust, managing a 24 x 7 data center operation and a $20 million budget. Jim is a New Jersey CIO of the Year honoree and technology speaker at multiple New Jersey conferences. He has published articles addressing digital transformation and is a former board member for several technology organizations.

Jungkun ("Jang") Centofanti serves as our Senior Vice President, Chief Administrative Officer, and Corporate Secretary. Since August 2018 she has also served as an officer of Worthy Financial, Inc. and its subsidiaries. Ms. Centofanti has more than 30 years of operational and management experience, which we believe will be of great value to our Company. From September 2016 to July 2018, she was Senior Vice President of CorpFin Management Group, a South Florida-based business development and strategic planning company where she handled all aspects of administration and marketing. Prior to joining CorpFin Management Group, from 2011 to June 2015 she was Administrative and Customer Service Manager for DU20 Holistic Oasis, and from 2004 until 2010 she was Preschool Director for Hazel Crawford School, both South Florida-based companies. Ms. Centofanti received an Associate of Science in Fashion Marketing and Business from the Art Institute of Fort Lauderdale in 1989.

Christopher Carter serves as a member of our Board of Directors. Mr. Carter is Principal of Chris Carter Consulting, a boutique consulting firm that provides Venture Development, Strategic Business Advisory and Interim Management Services to corporations and VC backed enterprises. He also serves as an Entrepreneur in Residence for the University of Florida's Innovation Venture Capital Fund and has served in executive positions leading Strategic Ventures and Investments, Corporate Development, and Financial Management teams for divisions of Fortune 500 corporations in the Telecommunications, Cable Television and Consumer Electronics industries. Mr. Carter received his Master's in Business Administration degree from Loyola University in Maryland.

The term of office of each director is until the next annual election of directors and until a successor is elected and qualified or until the director's earlier death, resignation, or removal. Officers are appointed by the Board of Directors and serve at the discretion of the Board. There are no family relationships between any of the executive officers and directors.

**Involvement in Certain Legal Proceedings**

No executive officer, member of the board of directors or control person of our Company has been involved in any legal proceeding listed in Item 401(f) of Regulation S-K in the past 10 years.

**COMPENSATION OF DIRECTORS AND EXECUTIVE OFFICERS**

The Company's fiscal year ends on June 30<sup>th</sup> of each year. As of the date of this filing, the Company has not compensated it's executive officers or directors.

**SECURITY OWNERSHIP OF MANAGEMENT AND CERTAIN SHAREHOLDERS**

The following table sets out, as of June 30, 2025, the voting securities of the Company that are beneficially owned by the executive officers and directors, and other persons holding more than 10% of any class of the Company's voting securities, or having the right to acquire those securities.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name and Address of Beneficial Owner<sup>(1)</sup>** | **Title of Class of Stock** | **Amount** | **Nature of Beneficial Ownership** | **Percentage of Class** |
| Sally Outlaw | Common Stock | 1,803,000 shares | Direct | 58.0% |
| Alan Jacobs | Common Stock | 1,006,000 shares | Direct | 32.0% |
| Jungkun "Jang" Centofanti | Common Stock | 202,500 shares | Direct | 7.0% |
| James Eichman | Common Stock | 12,500 shares | Direct | \* |
| Christopher Carter | Common Stock | 12,500 shares | Direct | \* |
| All WVI officers and directors as a group (seven persons) | Common Stock | 3,036,500 shares | N/A | 97.0% |

---

(1) The business address for the shareholders listed is One Boca Commerce Center, 551 NW 77<sup>th</sup> Street, Suite 206, Boca Raton, FL 33487.

\* Less than 1%.

**Stock Option Plan**

On February 26, 2024, the Company adopted, by Unanimous Written Consent of the Board of Directors, the Worthy Wealth, Inc. 2024 Key Employee and Advisors Stock Option Plan (the "Stock Option Plan"). The Board of Directors further approved the grant of Options to purchase a total of 120,000 Common Shares to seven employees, exercisable at $5.00 per share, which shall vest 50% after one year and 50% after two years from the date of the grant.

**CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS**

We are subject to a number of conflicts of interest and related party transactions arising out of our relationship with WFI, including the following:

● Our Company has several officers and directors who are also officers and directors of WFI, as follows, and, accordingly, such persons have fiduciary obligations to other entities as well as to the Company:

---

| | | |
|:---|:---|:---|
| **Name of Person** | **Company Positions** | **WFI Positions** |
| Sally Outlaw | President, Chief Executive Officer, and Director | President, Chief Executive Officer and Director |
| Alan Jacobs | Executive Vice President, Chief Operating Officer, Chief Financial Officer, and Director | Executive Vice President, Chief Operating Officer and Director |
| James Eichmann | Chief Technology Officer | Chief Technology Officer |
| Jungkun Centofanti | Senior Vice President, Chief Administrative Officer and Corporate Secretary | Senior Vice President, Chief Administrative Officer and Corporate Secretary |

---

● The Company has an independent director on its Board of Directors, as does WFI on its Board of Directors, neither of whom has a position at the other company;

● In addition to being officers and directors of both companies, Ms. Outlaw and Mr. Jacobs are each shareholders of both the Company and WFI, although neither has, nor will have, 50% or more stock ownership in both entities;

There are no assurances that any conflicts which may arise will be resolved in our favor.

**SECURITIES BEING OFFERED**

**General**

The Company is offering up to 4,000,000 shares of common stock (the "Common Shares").

The following description summarizes the most important terms of the Common Shares. This summary does not purport to be complete and is qualified in its entirety by the provisions of the Company's articles of incorporation (the "Articles") and bylaws (the "Bylaws"), copies of which have been filed as exhibits to the Offering Statement of which this Offering Circular is a part. For a complete description of the Company's Common Shares, you should refer to the Articles, the Bylaws and the applicable provisions of Georgia law.

**Capital Stock**

At the date of this Offering Circular, the Company's authorized capital stock consists of 10,000,000 shares of Common Stock, $0.0001 par value per share.

At the date of this Offering Circular, the only securities of the Company issued and outstanding are 3,151,260 Common Shares.

**Common Stock**

***Voting rights***

The holders of shares of our Common Shares are entitled to one vote for each share held of record on all matters submitted to a vote of our shareholders.

***Dividend rights***

Subject to preferences that may be granted to any then outstanding shares of preferred stock, holder of Common Shares are entitled to receive ratably such dividends as may be declared by the Board of Directors out of funds legally available therefore, as well as any distribution to the shareholders. The payment of dividends on our Common Shares will be a business decision to be made by our Board of Directors from time to time based upon the results of our operations, our financial condition and any other factors that our Board of Directors considers relevant. Payment of dividends on our Common Shares may be restricted by law and by loan agreements, indentures and other transactions entered into by us from time to time. We have never paid a dividend on our Common Shares and we do not intend to pay dividends in the foreseeable future, which means that holders of Common Shares may not receive any return on their investment from dividends.

***Rights to Receive Liquidation Distributions***

In the event of our liquidation, dissolution, or winding up, holders of our Common Shares are entitled to share ratably in all of our assets remaining after payment of liabilities and the liquidation preference of any then outstanding preferred stock. The rights, preferences and privileges of the holders of our Common Shares are subject to, and may be adversely affected by, the rights of the holders of shares of any series of our preferred stock and any additional classes of preferred stock that we may designate in the future.

***Rights and Preferences***

Holders of the Common Shares have no preemptive, conversion, or other rights, and there are no redemptive or sinking fund provisions applicable to the Common Shares.

**What It Means to be a Minority Holder**

A minority stockholder of shares of our Common Shares has a limited ability, if at all, to influence our policies and any other corporate matter, including the election of directors, changes to our corporate governance documents, additional issuances of securities, company repurchases of securities, a sale of the Company or the assets of the Company, or transactions with related parties.

**INDEMNIFICATION OF DIRECTORS AND OFFICERS**

Pursuant to our Articles of Incorporation, to the fullest extent permitted by the Georgia Business Corporation Code (the "GA Code"), the Company shall indemnify, or advance expenses to, any person made, or threatened to be made, a party to any action, suit or proceeding by reason of the fact that such person (i) is or was a director of the Company; (ii) is or was serving at the request of the Company as a director of another corporation, provided that such person is or was at the time a director of the Company or (ii) is or was serving at the request of the Company as an officer of another corporation, provided that such person is or was at the time a director of the Company or a director of such other corporation, serving at the request of the Company. Unless otherwise expressly prohibited by the GA Code, and except as otherwise provided in the previous sentence, the Board of Directors of the Company shall have the sole and exclusive discretion, on such terms and conditions as it shall determine, to indemnify, or advance expenses to, any person made, or threatened to be made, a party to any action, suit, or proceeding by reason of the fact such person is or was an officer, employee or agent of the Company as an officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise.

Our Bylaws provide the Company with the power to indemnify any person who was or is a party to any proceeding (other than an action by, or in the right of, the corporation), by reason of the fact that he is or was a director, officer, employee, or agent of the corporation or is or was serving at the request of the corporation as a director, officer, employee, or agent of another corporation, partnership, joint venture, trust, or other enterprise against liability incurred in connection with such proceeding, including any appeal thereof, if he acted in good faith and in a manner he reasonably believed to be in, or not opposed to, the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination of any proceeding by judgment, order, settlement, or conviction or upon a plea of nolo contendere or its equivalent shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he reasonably believed to be in, or not opposed to, the best interests of the corporation or, with respect to any criminal action or proceeding, had reasonable cause to believe that his conduct was unlawful.

Further, our Bylaws provide the Company with the power to indemnify any person, who was or is a party to any proceeding by or in the right of the corporation to procure a judgment in its favor by reason of the fact that he is or was a director, officer, employee, or agent of the corporation or is or was serving at the request of the corporation as a director, officer, employee, or agent of another corporation, partnership, joint venture, trust, or other enterprise, against expenses and amounts paid in settlement not exceeding, in the judgment of the board of directors, the estimated expense of litigating the proceeding to conclusion, actually and reasonably incurred in connection with the defense or settlement of such proceeding, including any appeal thereof. Such indemnification shall be authorized if such person acted in good faith and in a manner he reasonably believed to be in, or not opposed to, the best interests of the corporation, except that no indemnification shall be made under this subsection in respect of any claim, issue, or matter as to which such person shall have been adjudged to be liable unless, and only to the extent that, the court in which such proceeding was brought, or any other court of competent jurisdiction, shall determine upon application that, despite the adjudication of liability but in view of all circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which such court shall deem proper.

Further, our Bylaws provide that to the extent that a director, officer, employee, or agent of the corporation has been successful on the merits or otherwise in defense of any proceeding referred to above or in defense of any claim, issue, or matter therein, he shall be indemnified against expenses actually and reasonably incurred by him in connection therewith.

Further, our Bylaws provide that any indemnification provided by the Company, unless pursuant to a determination by a court, shall be made by the Company only as authorized in the specific case upon determination that such indemnification is proper, to be made by the Board of Directors of the Company, by independent legal counsel or by shareholder vote.

Insofar as indemnification for liabilities arising under the Securities Act may be permitted to our directors, officers, and controlling persons pursuant to the foregoing provisions, or otherwise, we have been advised that, in the opinion of the SEC, such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment of expenses incurred or paid by a director, officer or controlling person in a successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, we will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to the court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

**PLAN OF DISTRIBUTION** 

**Plan of Distribution**

Up to 4,000,000 of our Common Shares are being offered pursuant to this Offering Circular. Prospective investors will be referred to Worthy Website at <u>www.worthyshares.com</u>, and click the "Invest" button at the top of the home page to review this Offering Circular and the subscription agreement. The BOR will have access to the subscription information provided by prospective investors, will serve as broker of record for this Offering, and will provide processing and compliance services. This Offering Circular will be furnished to prospective investors before or at the time of all written offers and will be available for viewing on our website, as well as on the SEC's website at <u>www.sec.gov</u>.

The sale of the Common Shares is being facilitated by the BOR, which is a registered broker-dealer under the Exchange Act and member of FINRA. For the services to be provided by the BOR please see "Plan of Distribution – Broker". The BOR is registered in each of the United States. It is anticipated that Common Shares will be offered and sold in each state, in Puerto Rico and in the District of Columbia.

With respect to the Common Shares:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The Company is the entity which issues the Common Shares;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The BOR, which is a registered broker-dealer, acts as the broker of record with respect to the offering. The BOR will provide processing and compliance services in connection with the offering.

Set forth below is the procedure for subscribing to purchase Common Shares:

**Commissions and Discounts**

See *"Broker" and "Fees and Expenses*" below.

**Subscription Procedures**

The Company accepts tenders of funds to purchase the Common Shares. The Company may hold closings on investments on a "rolling" basis (so not all investors will receive their shares on the same date). Investors may subscribe by tendering funds via wire, debit or credit card, or ACH only, checks will not be accepted. Tendered funds will be promptly be made available to the Company for its use.

The minimum investment in this offering is $500.00, or 50 Common Shares.

Investors will be required to complete a subscription agreement in order to invest. The subscription agreement includes a representation by the investor to the effect that, if the investor is not an "accredited investor" as defined under securities law, the investor is investing an amount that does not exceed the greater of 10% of his or her annual income or 10% of your net worth (excluding the investor's principal residence).

**Provisions of Note in the Subscription Agreement**

*Jury Trial Waiver*

The subscription agreement provides that subscribers waive the right to a jury trial of any claim they may have against us arising out of or relating to the agreement, including any claim under federal securities laws. By signing the subscription agreement an investor will warrant that the investor has reviewed this waiver with the investor's legal counsel, and knowingly and voluntarily waives his or her jury trial rights following consultation with the investor's legal counsel. If we opposed a jury trial demand based on the waiver, a court would determine whether the waiver was enforceable given the facts and circumstances of that case in accordance with applicable caselaw. In addition, by agreeing to the provision, subscribers will not be deemed to have waived the Company's compliance with the federal securities laws and the rules and regulations promulgated thereunder*.*

*Forum Selection Provision*

The subscription agreement that investors will execute in connection with the offering includes a forum selection provision that requires any claims against the Company based on the agreement to be brought in a state or federal court of competent jurisdiction in the State of Georgia, for the purpose of any suit, action or other proceeding arising out of or based upon the agreement. The forum selection provision will not be applicable to lawsuits arising from the federal securities laws. Although we believe the provision benefits us by providing increased consistency in the application of Georgia law in the types of lawsuits to which it applies and in limiting our litigation costs, to the extent it is enforceable, the forum selection provision may limit investors' ability to bring claims in judicial forums that they find favorable to such disputes and may discourage lawsuits with respect to such claims. The Company has adopted the provision to limit the time and expense incurred by its management to challenge any such claims. As a company with a small management team, this provision allows its officers to not lose a significant amount of time travelling to any particular forum so they may continue to focus on operations of the Company. Investors will not be deemed to have waived the Company's compliance with the federal securities laws and the rules and regulations thereunder.

**Fees and Expenses**

The Company expects that the amount of expenses of the offering will be approximately $2,260,000, including professional and compliance fees and other costs of the offering, as further set forth below.

**Broker**

Pursuant to a broker-dealer agreement, dated December 1, 2023, between the Company and the BOR (as amended, the "Brokerage Agreement"), the BOR serves as broker of record for this offering.

The BOR performs the following processing and compliance services in connection with the sale of the Common Shares as a broker-of-record:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Review
 and process investor information, including Know Your Customer (KYC) data and performing anti-money laundering (AML) and other compliance
 background checks, using the BOR's and/or third-party vendor resources, and provide a recommendation to the Company as to whether
 or not to accept each prospective investor.

2. Review
 each investor's subscription agreement to confirm it is complete and such investor's participation in the offering, and
 notify the Company of its findings.

3. Contact
 the Company and/or the Company's agents, if needed, to gather additional information or clarification from prospective investors;

4. Keep
 investor information and data confidential and not disclose it to any third-party except as required by regulators, by law or in
 performance of the Brokerage Agreement (e.g., as needed for AML and background checks); and

5. Coordinate
 with third-party providers to ensure adequate review and compliance.

The Brokerage Agreement will remain in effect for a period ending on the earlier of: (i) the final closing of this offering, or (ii) the last date under which Common Shares are permitted by applicable Commission rules to be offered and sold by the Company under this offering statement (of which this offering circular forms a part). A copy of the Brokerage Agreement is attached as Exhibit 1.1 to the offering statement of which this offering circular forms a part.

The Company has agreed to pay the BOR an amount equal to one percent (1.0%) of the gross proceeds up to a maximum of $40,000,000 of gross proceeds, for a maximum of $400,000 from aggregate sales. In addition to paying the 1% commission on aggregate sales the Issuer may pay Texture five percent (5%) of the gross proceeds from the sale of the first $30,000,000 in Shares resulting from the direct selling efforts of Texture not to exceed $1,500,000, and three percent (3%) on the next $10,000,000 in Shares resulting from the direct selling efforts of Texture not to exceed $300,000. The maximum total sales compensation payable to Texture in connection with this offering is $2,200,000, which does not include a one-time consulting fee of $5,000 payable by the Company to Texture. The Consulting Fee will cover expenses anticipated to be incurred by the firm such as due diligence expenses, working with the Company's counsel in providing information to the extent necessary, and any other services necessary and required prior to the approval of the Offering. To the extent any such expenses are not actually incurred, the balance of this one-time fee will be reimbursed to the Company, pursuant to FINRA Rule 5110(g)(4)(A).

**Minimum and Maximum Investment Amount**

The minimum investment amount per subscriber in this offering is $500. There is no maximum investment amount per subscriber in this offering.

**No Escrow**

This offering is being conducted on a "best-efforts" basis. All proceeds of sales in this offering will be immediately available to the Company to use for the purposes set forth herein.

**State Law Exemption and Offerings to "Qualified Purchasers"**

Our Common Shares are being offered and sold only to "qualified purchasers" (as defined in Regulation A under the Securities Act of 1933, which we refer to as the "Securities Act."). As a Tier 2 offering pursuant to Regulation A under the Securities Act, this offering will be exempt from state "Blue Sky" law review, subject to certain state filing requirements and anti-fraud provisions, to the extent that the Common Shares offered hereby are offered and sold only to "qualified purchasers" or at a time when the Common Shares are listed on a national securities exchange. "Qualified purchasers" include:

● "accredited
 investors" under Rule 501(a) of Regulation D of the Securities Act; and

● all
 other investors so long as their investment in Common Shares does not represent more than 10% of the greater of their annual income
 or net worth (for natural persons), or 10% of the greater of annual revenue or net assets at fiscal year-end (for non-natural persons).

Accordingly, we reserve the right to reject any investor's subscription in whole or in part for any reason, including if we determine in our sole and absolute discretion that such investor is not a "qualified purchaser" for purposes of Regulation A.

**Investment Amount Limitations**

Generally, no sale may be made to you in this offering if the aggregate purchase price you pay is more than 10% of the greater of your annual income or net worth. Different rules apply to accredited investors and non-natural persons. Before making any representation that your investment does not exceed applicable thresholds, we encourage you to review Rule 251(d)(2)(i)(C) of Regulation A. For general information on investing, you are encouraged to refer to <u>www.investor.gov</u>.

As a Tier 2, Regulation A offering, investors must comply with the 10% limitation to investment in the Offering. The only investor in this Offering exempt from this limitation is an accredited investor, an "Accredited Investor," as defined under Rule 501 of Regulation D. If you meet one of the following tests you should qualify as an Accredited Investor:

(i) You
 are a natural person who has had individual income in excess of $200,000 in each of the two most recent years, or joint income with
 your spouse or spousal equivalent in excess of $300,000 in each of these years, and have a reasonable expectation of reaching the
 same income level in the current year;

(ii) You
 are a natural person and your individual net worth, or joint net worth with your spouse or spousal equivalent, exceeds $1,000,000
 at the time you purchase the Common Shares (please see below on how to calculate your net worth);

(iii) You
 are a director, executive officer or general partner of the issuer or a manager or executive officer of the general partner of the
 issuer;

(iv) You
 are an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended, a corporation, a Massachusetts
 or similar business trust or a partnership or limited liability company, not formed for the specific purpose of acquiring the Common
 Shares, with total assets in excess of $5,000,000;

(v) You
 are a bank or a savings and loan association or other institution as defined in the Securities Act, a broker or dealer registered
 pursuant to Section 15 of the Exchange Act, an investment advisor registered pursuant to the Investment Advisers Act of 1940 or registered
 pursuant to the laws of a state, an investment advisor relying on the exemption of registering with the SEC under the Investment
 Advisers Act of 1940, an insurance company as defined by the Securities Act, an investment company registered under the Investment
 Company Act, or a business development company as defined in that act, any Small Business Investment Company licensed by the Small
 Business Investment Act of 1958, or a Rural Business Investment Company as defined in the Consolidated Farm and Rural Development
 Act, or a private business development company as defined in the Investment Advisers Act of 1940;

(vi) You
 are an entity (including an Individual Retirement Account trust) in which each equity owner is an accredited investor;

(vii) You
 are a trust with total assets in excess of $5,000,000, your purchase of Common Shares is directed by a person who either alone or
 with his purchaser representative(s) (as defined in Regulation D promulgated under the Securities Act) has such knowledge and experience
 in financial and business matters that he is capable of evaluating the merits and risks of the prospective investment, and you were
 not formed for the specific purpose of investing in the Common Shares; or

(viii) You
 are a plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of a state or its
 political subdivisions, for the benefit of its employees, if such plan has assets in excess of $5,000,000; an employee benefit plan
 within the meaning of the Employee Retirement Income Security Act of 1974 if the investment decision is made by a plan fiduciary,
 as defined in such act, which is either a bank, savings and loan association, insurance company, or registered investment adviser,
 or if the employee benefit plan has total assets in excess of $5,000,000 or, if a self-directed plan, with investment decisions made
 solely by persons that are accredited investors;

(ix) You
 are an entity, of a type not listed in the above paragraphs iv, v, vi, vii, or viii, not formed for the specific purpose of acquiring
 the Common Shares, owning investments in excess of $5,000,000;

(x) You
 are a natural person holding in good standing one or more professional certifications or designations or credentials from an accredited
 educational institution that the SEC has designated as qualifying an individual for accredited investor status;

(xi) You
 are a "family office," as defined by the Investment Advisers Act of 1940, with assets under management in excess of $5,000,000,
 and is not formed for the specific purpose of acquiring the Worthy Property 2 Bonds, and your prospective investment is directed
 by a person who has such knowledge and experience in financial and business matters that such family office is capable of evaluating
 the merits and risks of the prospective investment; or

(xii) You
 are a "family client," as defined under the Investment Advisers Act of 1940, of a family office meeting the requirements
 in the above paragraph xi, and your prospective investment in the issuer is directed by such family office pursuant to the above
 paragraph xi.

For the purposes of calculating your Net Worth, it is defined as the difference between total assets and total liabilities. This calculation must exclude the value of your primary residence and may exclude any indebtedness secured by your primary residence (up to an amount equal to the value of your primary residence). In the case of fiduciary accounts, net worth and/or income suitability requirements may be satisfied by the beneficiary of the account or by the fiduciary, if the fiduciary directly or indirectly provides funds for the purchase of the Common Shares.

In order to purchase Common Shares and prior to the acceptance of any funds from an investor, an investor will be required to represent, to our satisfaction, that he or she is either an accredited investor or is in compliance with the 10% of net worth or annual income limitation on investment in this offering.

**Offering Period and Expiration Date**

The termination of the offering will occur on the earlier of (i) the date that we receive subscriptions for all Common Shares offered hereby, (ii) an earlier date determined by the Company in its sole discretion or (iii) three years after the initial qualification of the offering. We reserve the right to terminate this offering for any reason at any time.

**APPOINTMENT OF AUDITOR**

On November 2, 2023, we engaged Assurance Dimensions ("Assurance"), as our independent registered public accounting firm. Assurance audited our consolidated financial statements for the year ended June 30, 2025, which have been included in this offering circular. From the date of inception through the date of this offering circular, there have been no disagreements (as defined in Item 304(a)(1)(iv) of Regulation S-K and the related instructions) between the Company and Assurance on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or procedure, which, if not resolved to Assurance's satisfaction, would have caused Assurance to make reference to the matter in their reports. From the date of inception through the date of this offering circular there have been no reportable events (as defined in Item 304(a)(1)(v) of Regulation S-K).

**LEGAL MATTERS**

The validity of the securities offered by this offering circular will be passed upon for us by Dickinson Wright PLLC, 350 East Las Olas Boulevard, Suite 1750, Fort Lauderdale, Florida 33301.

**EXPERTS**

Our balance sheet as of June 30, 2025 and the related statements of operations, shareholder's deficit and cash flows for the year ended June 30, 2025 included in this offering circular have been audited by Assurance Dimensions, LLC, independent registered public accounting firm, as indicated in their report with respect thereto, and have been so included in reliance upon the report of such firm given on their authority as experts in accounting and auditing.

**WHERE YOU CAN FIND ADDITIONAL INFORMATION**

We have filed a Regulation A offering statement on Form 1-A with the SEC under the Securities Act with respect to the Common Shares to be sold in this Offering. This Offering Circular, which constitutes a part of the Offering Statement, does not contain all of the information set forth in the Offering Statement and exhibits and schedules to the Offering Statement. For further information with respect to our Company and the Common Shares to be sold in this Offering, reference is made to the Offering Statement, including the exhibits and schedules to the Offering Statement. Statements contained in this Offering Circular as to the contents of any contract is an exhibit to the Offering Statement, each statement is qualified in all respects by the exhibit to which the reference relates. The Offering Statement, including its exhibits and schedules, may be inspected without charge at the public reference room maintained by the SEC, located at 100 F Street, N.E., Room 1580, Washington, D.C. 20549, and copies of all or any part of the Offering Statement may be obtained from such offices upon the payment of the fees prescribed by the SEC. Please call the SEC at 1-800-SEC-0330 for further information about the public reference room. The SEC also maintains an Internet website that contains reports, proxy and information statements and other information regarding registrants that file electronically with the SEC.

This Offering Circular is also available on the Worthy Website at www.worthyshares.com. After the completion of this Offering, you may access these materials, all of which have been filed with the SEC, at the foregoing website free of charge as soon as reasonably practicable after they are electronically filed with, or furnished to, the SEC. Information contained on the website is not a part of this Offering Circular and the inclusion of the website address in this offering circular is an inactive textual reference only.

**Reporting Requirements under Tier 2 of Regulation A.** Following this Tier 2, Regulation A offering, we will be required to comply with certain ongoing disclosure requirements under Rule 257 of Regulation A. We will be required to file: an annual report with the SEC on Form 1-K; a semi-annual report with the SEC on Form 1-SA; current reports with the SEC on Form 1-U; and a notice under cover of Form 1-Z. The necessity to file current reports will be triggered by certain corporate events, similar to the ongoing reporting obligation faced by issuers under the Exchange Act, however the requirement to file a Form 1-U is expected to be triggered by significantly fewer corporate events than that of the Form 8-K. Such reports and other information will be available for inspection and copying at the public reference room and on the SEC's website referred to above. Parts I & II of Form 1-Z will be filed by us if and when we decide to and are no longer obligated to file and provide annual reports pursuant to the requirements of Regulation A.

We will make annual filings on Form 1-K, which will be due by the end of October each year and will include audited financial statements for the previous fiscal year. We will make semi-annual filings on Form 1-SA, which will be due within 90 days after each December 31<sup>st</sup>, which will include unaudited financial statements for the six months ending December. We will also file a Form 1-U to announce important events such as the loss of a senior officer, a change in auditors or certain types of capital-raising. We will be required to keep making these reports unless we file a Form 1-Z to exit the reporting system, which we will only be able to do if we have less than 300 shareholders of record and have filed at least one Form 1-K.

We may supplement the information in this offering circular by filing a supplement with the SEC. You should read all the available information before investing.

**WORTHY WEALTH, INC.**

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
|  | Page |
| [Report of Independent Registered Public Accounting Firm](#a_001) | F-2 |
| [Consolidated Balance Sheets](#a_002) | F-4 |
| [Consolidated Statements of Operations and Comprehensive Loss](#a_003) | F-5 |
| [Consolidated Statements of Changes in Shareholders' Equity](#a_004) | F-6 |
| [Consolidated Statements of Cash Flows](#a_005) | F-7 |
| [Notes to the Consolidated Financial Statements](#a_006) | F-8 -16 |

---

![](partiiandiii_002.jpg)

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Shareholders and the Board of Directors of Worthy Wealth, Inc. and Subsidiaries

**Opinion on the Consolidated Financial Statements**

We have audited the accompanying consolidated balance sheets of Worthy Wealth, Inc. and Subsidiaries (the "Company") as of June 30, 2025 and 2024, and the related consolidated statements of operations and comprehensive loss, changes in shareholders' equity, and cash flows for the year ended June 30, 2025 and for the period from July 11, 2023 (inception) to June 30, 2024, and the related consolidated notes (collectively referred to as the "consolidated financial statements"). In our opinion, the consolidated financial statements present fairly, in all material respects, the consolidated financial position of the Company as of June 30, 2025 and 2024, and the consolidated results of its operations and comprehensive loss and its cash flows for the year ended June 30, 2025 and for the period from July 11, 2023 (inception) to June 30, 2024, in conformity with accounting principles generally accepted in the United States of America.

**Explanatory Paragraph – Going Concern**

The accompanying consolidated financial statements have been prepared assuming that the Company will continue as a going concern. As discussed in Note 2 to the consolidated financial statements, the Company had a net loss and cash used in operating activities of approximately $387,000 and $214,000, respectively, for the year ended June 30, 2025. The Company also had an accumulated deficit of approximately $591,000 at June 30, 2025. These matters raise substantial doubt about the Company's ability to continue as a going concern. Management's Plan regarding these matters is also described in Note 2. The consolidated financial statements do not include any adjustments that might result from the outcome of this uncertainty.

**Basis for Opinion**

These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on the Company's consolidated financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB and in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits, we are required to obtain an understanding of internal control over financial reporting, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control over financial reporting. Accordingly, we express no such opinion.

Our audits included performing procedures to assess the risks of material misstatement of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.

**Critical Audit Matters**

The critical audit matters communicated below are matters arising from the current period audit of the consolidated financial statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate. We determined that there were no critical audit matters.

![](partiiandiii_003.jpg)

We have served as the Company's auditor since 2023.

Coral Springs, Florida

October 28, 2025

**ASSURANCE DIMENSIONS, LLC**

**also d/b/a McNAMARA and ASSOCIATES, LLC**

**TAMPA BAY:** 4920 W Cypress Street, Suite 102 \| Tampa, FL 33607 \| Office: 813.443.5048 \| Fax: 813.443.5053

**JACKSONVILLE:** 7800 Belfort Pkwy, Suite 290 \| Jacksonville, FL 32256 \| Office: 888.410.2323 \| Fax: 813.443.5053

**ORLANDO:** 1800 Pembrook Drive, Suite 300 \| Orlando, FL 32810 \| Office: 888.410.2323 \| Fax: 813.443.5053

**SOUTH FLORIDA:** 3111 N. University Drive, Suite 621 \| Coral Springs, FL 33065 \| Office: 754.800.3400 \| Fax: 813.443.5053

www.assurancedimensions.com

"Assurance Dimensions" is the brand name under which Assurance Dimensions, LLC including its subsidiary McNamara and Associates, LLC (referred together as "AD LLC") and AD Advisors, LLC ("AD Advisors"), provide professional services. AD LLC and AD Advisors practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable laws, regulations, and professional standards. AD LLC is a licensed independent CPA firm that provides attest services to its clients, and AD Advisors provide tax and business consulting services to their clients. AD Advisors, and its subsidiary entities are not licensed CPA firms.

**Worthy Wealth, Inc.**

**Consolidated Balance Sheets**

**June 30, 2025 and 2024**

---

| | | |
|:---|:---|:---|
|  | As of | As of |
|  | June 30, 2025 | June 30, 2024 |
| **<u>ASSETS</u>** |  |  |
| Assets |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash | $706513 | $90023 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments | 89689 | - |
| TOTAL ASSETS | $796202 | $90023 |
| **<u>LIABILITIES AND SHAREHOLDERS' EQUITY</u>** |  |  |
| Liabilities |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable | $86899 | $32372 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued expenses | 5961 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Due to related parties, net | 15434 | - |
| &nbsp;&nbsp;&nbsp;Total Liabilities | 108294 | 32372 |
| Commitments and Contingencies (Note 8) |  |  |
| Shareholders' Equity |  |  |
| &nbsp;&nbsp;&nbsp;Common Stock, par value $0.0001, 10,000,000 shares authorized, and 3,151,260 and 3,111,500 shares issued and outstanding at June 30, 2025 and June 30, 2024, respectively | 315 | 311 |
| &nbsp;&nbsp;&nbsp;Preferred stock, par value $0.001, 7,500,000 shares authorized and 0 shares issued and outstanding |  |  |
| &nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss | 296 |  |
| &nbsp;&nbsp;&nbsp;Additional Paid-In Capital | 723625 | 261249 |
| &nbsp;&nbsp;&nbsp;Accumulated Deficit | (590845) | (203909) |
| &nbsp;&nbsp;&nbsp;Equity attributable to Worthy Wealth shareholders | 133391 |  |
| &nbsp;&nbsp;&nbsp;Equity attributable to non-controlling interest | 554517 | - |
| &nbsp;&nbsp;&nbsp;Total Shareholders' Equity | 687908 | 57651 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | $796202 | $90023 |

---

The accompanying notes are an integral part of these consolidated financial statements.

**Worthy Wealth, Inc.**

**Consolidated Statements of Operations and Comprehensive Loss**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

---

| | | |
|:---|:---|:---|
|  | Year ended <br> June 30, 2025 | Period from<br> July 11, 2023<br> (Inception)<br> through<br> June 30, 2024 |
| **Operating Revenue** | $- | $- |
| **Cost of Revenue** | - | - |
| Gross profit (loss) | - | - |
| **Operating expenses** |  |  |
| General and administrative expenses | 465191 | 253909 |
| Compensation and related expenses | 14915 |  |
| Sales and marketing expenses | 6857 | - |
| Total operating expenses | 486963 | 253909 |
| Loss from operations | (486963) | (253909) |
| Other income | 100027 | 50000 |
| Net Loss attributable to non-controlling interest | - | - |
| Net Loss attributable to Worthy Wealth, Inc. | $- | $- |
| &nbsp;&nbsp;&nbsp;Net Loss | $(386936) | $(203909) |
| Other comprehensive income: |  |  |
| Unrealized gains (loss) on available for sale debt securities | 296 | $- |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Comprehensive loss | $(386640) | $(203909) |
| &nbsp;&nbsp;&nbsp;Net loss per common share - basic and diluted | $(0.12) | $(0.07) |
| &nbsp;&nbsp;&nbsp;Weighted average number of shares outstanding - basic and diluted | 3127401 | 3093583 |

---

The accompanying notes are an integral part of these consolidated financial statements.

**Worthy Wealth, Inc.**

**Consolidated Statements of Changes in Shareholders' Equity**

**For the Year ended June 30, 2025 and Period from July 11, 2023 (Inception) through June 30, 2024**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Common<br> Shares** | **Common<br> Stock,<br> Par** | **Additional<br> Paid in<br> Capital** | **Accumulated<br> Other<br> Comprehensive<br> Income (Loss)** | **Accumulated<br> Deficit** | **Non<br> Controlling<br> Interest** | **Total** |
| **Balance at July 11, 2023** |  | $- | $- |  | $- | $- | $- |
| Common shares issued for cash | 111500 | 11 | 222989 |  |  |  | 223000 |
| Common shares issued at par value | 3000000 | 300 |  |  |  |  | 300 |
| Vesting of stock options |  |  | 38260 |  |  |  | 38260 |
| Net loss | - | - | - | - | (203909) | - | (203909) |
| **Balance at June 30, 2024** | 3111500 | $311 | $261249 | $- | $(203909) | $- | $57651 |
| Unrealized gain (loss) on available for sale debt securities |  | $- | $- | $296 | $- | $- | 296 |
| Common shares issued for cash | 39760 | 4 | 347596 |  |  |  | 347600 |
| Capital contribution from non-controlling interests |  |  |  |  |  | 556770 | 556770 |
| Dividends payable – non-controlling interests |  |  |  |  |  | (2253) | (2253) |
| Vesting of stock options |  |  | 114780 |  |  |  | 114780 |
| Net loss | - | - | - | - | (386936) | - | (386936) |
| **Balance at June 30, 2025** | 3151260 | $315 | $723625 | $296 | $(590845) | $554517 | $687908 |

---

The accompanying notes are an integral part of these consolidated financial statements.

**Worthy Wealth, Inc.**

**Consolidated Statements of Cash Flows**

**For the Year ended June 30, 2025 and Period from July 11, 2023 (Inception) through June 30, 2024**

---

| | | |
|:---|:---|:---|
|  | Year ended <br> June 30, 2025 | Period from <br> July 11, 2023 <br> (Inception)<br> through<br> June 30, 2024 |
| Cash flows from operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;Net loss | $(386936) | $(203909) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjustments to reconcile net loss to cash used in operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in working capital items: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock based compensation | 114780 | 38260 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable | 54526 | 32372 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued expenses | 3708 | - |
| &nbsp;&nbsp;&nbsp;Cash used in operating activities | (213922) | (133277) |
| Cash flows from investing activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase of Treasury bills | (89393) | - |
| &nbsp;&nbsp;&nbsp;Cash used in investing activities | (89393) | - |
| Cash flows from financing activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capital contribution from non-controlling interests | 556770 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common shares issued for cash | 347600 | 223300 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Due to related party | 15434 | - |
| &nbsp;&nbsp;&nbsp;Cash provided by financing activities | 919804 | 223300 |
| Net change in cash | 616490 | 90023 |
| Cash at beginning of period | 90023 | - |
| Cash at end of period | $706513 | $90023 |
| **<u>Supplemental Disclosures of Cash Flow Information:</u>** |  |  |
| Cash paid for interest | $- | $- |
| Cash paid for taxes | $- | $- |
| **<u>Supplemental Non-Cash Investing and Financing Information</u>** |  |  |
| Dividends payable of non-controlling interests | $2253 | $- |

---

The accompanying notes are an integral part of these consolidated financial statements.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

**NOTE 1. ORGANIZATION AND NATURE OF OPERATIONS**

Worthy Wealth, Inc., a Georgia corporation, (the "Company," "WWI", "we," or "us") and was founded in July of 2023. This early-stage company will, through wholly owned subsidiaries to be acquired or organized, primarily make real estate loans secured by mortgages or acquire equity interests in real estate. The Company intends to acquire a mobile app (the "Worthy App") that allows its users to round up their debit card and checking account linked credit card purchases and other checking account transactions and thereafter use the "round up" dollars in increments of $10.00 to purchase Worthy Wealth Housing Bonds. The "users" may also use additional funds to purchase Worthy Wealth Housing Bonds. WW will own or have rights to the technology on the website. This technology is defined as the "Worthy Technology Platform."

Worthy Wealth Realty, Inc., a Georgia corporation ("WWR") and wholly owned subsidiary of the Company was founded in March of 2024. This early-stage company will primarily make real estate loans secured by mortgages or acquire equity interests in residential related real estate. We will offer our Worthy Wealth Housing Bonds in $10.00 increments on a continuous basis directly through the Worthy Wealth website via computer or the Worthy App, to fund our loans.

Worthy Wealth Senior Living, Inc., a Georgia corporation ("WWSL") and wholly owned subsidiary of the Company was founded in December of 2024. This early-stage company will primarily invest in, purchase and resell senior living facilities.

Worthy Wealth Management, Inc., a Georgia corporation ("WWM") and a wholly owned subsidiary was founded on February 7, 2025. We intend to enter into a Management Services Agreement (the "Management Services Agreement") with Worthy Wealth Management, Inc.

The Company's year-end is June 30.

**NOTE 2. GOING CONCERN**

The accompanying consolidated financial statements have been prepared assuming that the Company will continue as a going concern. The Company generated net losses of approximately $387,000 and had cash used in operations of approximately $214,000 for the year ended June 30, 2025. The net losses incurred from inception have resulted in an accumulated deficit of approximately $591,000 at June 30, 2025. These conditions raise substantial doubt about the Company's ability to continue as a going concern for a period of twelve months from the issuance date of this report.

No assurances can be given that the Company will achieve success, without seeking additional financing. There also can be no assurances that the offering will result in enough additional financing or that any additional financing if required, can be obtained, or obtained on reasonable terms acceptable to the Company. These consolidated financial statements do not include adjustments related to the recoverability and classifications of assets or the amounts and classification of liabilities that might be necessary should the Company be unable to continue as a going concern.

**NOTE 3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

***Principles of Consolidation***

The consolidated financial statements include the operations of the Company and its wholly owned subsidiaries, Worthy Wealth Management, Inc., Worthy Wealth Realty, Inc. and Worthy Wealth Senior Living, Inc.

All intercompany accounts and transactions have been eliminated in consolidation.

The Company consolidates entities in which it has a controlling financial interest, which generally exists when the Company owns, directly or indirectly, more than 50% of the voting interests or otherwise has the power to direct the activities that most significantly affect the entity's economic performance.

Noncontrolling interests represent equity interests in consolidated subsidiaries that are not attributable, directly or indirectly, to the Company. Noncontrolling interests are presented separately within the equity section of the consolidated balance sheets, and the portion of net income or loss attributable to noncontrolling interests is presented separately in the consolidated statements of operations, which is $0 for both periods presented since the non-controlling percentage does not represent a voting interest in WWSL. Thus, no portion of their net income or loss needs to be allocated to non-controlling interest. Refer to Note 9, for additional information.

On February 7, 2025, the Company's wholly owned subsidiary, Worth Wealth Senior Living, Inc. issued Series A Preferred Stock with a $0.001 par value and $10.00 stated value per share. These shares represent a noncontrolling interest in the consolidated financial statements.

Changes in the Company's ownership interests in consolidated subsidiaries that do not result in a loss of control are accounted for as equity transactions. When the Company ceases to have a controlling interest in a subsidiary, the related assets, liabilities, and noncontrolling interests are deconsolidated, and any retained interest is remeasured to fair value, with any resulting gain or loss recognized in earnings.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

***Use of estimates***

The preparation of consolidated financial statements in accordance with accounting principles generally accepted in the United States of America ("GAAP") requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of expenses during the reporting periods. Actual results could differ from those estimates. Estimates which are particularly significant to the consolidated financial statements include, but are not limited to, estimates of the valuation allowance on deferred tax assets, valuation of share-based payments, valuation of investments held and due to related parties.

***Cash and cash equivalents***

Cash and cash equivalents include checking, savings, unrestricted deposits with investment-grade financial institutions, institutional money market funds, certificates of deposit and other short-term interest-bearing products. We consider all highly liquid investments with original maturities of three months or less at the time of purchase to be cash equivalents.

***Concentration of Credit Risk***

The Company is subject to potential concentrations of credit risk in its cash accounts. Noninterest-bearing deposits in financial institutions insured by the Federal Deposit Insurance Corporation (FDIC) were insured up to a maximum of $250,000 at June 30, 2025 and 2024. The Company places its cash with high quality financial institutions. Investments at other financial institutions were insured by the Securities Investor Protection Corporation (SIPC) up to $500,000, which includes a $250,000 limit for cash. The Company places its cash with high quality financial institutions. As of June 30, 2025 and 2024, the Company is in excess of FDIC insurance limits by $306,770 and $0, respectively. As of June 30, 2025 and 2024, the Company is not in excess of SIPC limits. The Company does not believe it is exposed to any significant credit risk on cash and cash equivalents.

***Fair Value of Financial Instruments***

The Company's financial instruments consist of cash, accounts payable and accrued expenses. The carrying amount of these financial instruments approximate fair value due to the short-term nature of these instruments.

***Fair Value Measurement***

In accordance with ASC 820, *Fair Value Measurement*, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (exit price), we use a three-tier fair value hierarchy to classify and disclose all assets and liabilities measured at fair value on a recurring basis, as well as assets and liabilities measured at fair value on a nonrecurring basis, in periods subsequent to their initial measurement. The hierarchy requires us to use observable inputs when available, and to minimize the use of unobservable inputs when determining fair value.

The three tiers are defined as follows:

Level 1: Quoted prices in active markets or liabilities in active markets for identical assets or liabilities, accessible by us at the measurement date.

Level 2: Quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in markets that are not active, or other observable inputs other than quoted prices.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

Level 3: Unobservable inputs for assets or liabilities for which there is little or no market data, which require us to develop our own assumptions. These unobservable assumptions reflect estimates of inputs that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flows, or similar techniques, which incorporate our own estimates of assumptions that market participants would use in pricing the instrument or valuations that require significant management judgment or estimation.

A financial instrument's categorization within the valuation hierarchy is based on the lowest level of input that is significant to the fair value measurement.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **June 30, 2025** | Quoted prices in active markets for identical©assets (Level 1) | Significant other observable inputs (Level 2) | Significant unobservable inputs (Level 3) |
| **Description** |  |  |  |  |
| Recurring fair value measurements |  |  |  |  |
| Available for sale debt securities: |  |  |  |  |
| Treasury Bills | $89689 | $89689 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- | $- |
| Total available for sale securities | 89689 | 89689 | - | - |
| Total recurring fair value measurements | $89689 | $89689 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- |

---

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

***Investments***

The Company adopted ASU 2016-01 "Financial Instruments – Overall" which requires unrealized gains and losses from marketable equity securities to be recognized in operations.

Investments consist of various debt and equity investments, although only treasury bills at June 30, 2025. Management determines the appropriate classification of the securities at the time they are acquired and evaluates the appropriateness of such classifications at each balance sheet date. Investments in equity securities with a readily determinable fair value, not accounted for under the equity method, are recorded at that fair value with unrealized gains and losses included in earnings. For equity securities without a readily determinable fair value, the investment is recorded at cost, less any impairment, plus or minus adjustments related to observable transactions for the same or similar securities, with unrealized gains and losses included in earnings. Equity securities where the fair market value or net asset value are not available are carried at cost, subject to impairment valuation. The Company classifies debt instruments as available-for-sale pursuant to ASC 320, *Investments – Debt and Equity Securities*. Debt securities are classified as held to maturity, at unamortized cost if (i) the Company has the intent and ability to hold the investments for a period of at least one year and (ii) the contractual maturity date of the investments is greater than one year. Debt securities available for sale are carried at fair value or amortized cost with unrealized gains or losses recorded as other comprehensive income or loss in equity. Debt securities held to maturity are carried at amortized cost and unrealized gains and losses are not recognized. Realized gains and losses are included in other income or expense in the consolidated statements of operations and comprehensive loss on a specific-identification basis.

The Company reviews securities that are not measured at fair value for other-than-temporary impairment whenever the fair value of a security is less than the amortized cost and evidence indicates that a security's carrying amount is not recoverable within a reasonable period of time. Other-than-temporary impairments of investments are recognized in the consolidated statements of operations and comprehensive loss if the Company has experienced a credit loss, has the intent to sell the security, or if it is more likely than not that the Company will be required to sell the security before recovery of the amortized cost basis. Evidence considered in this assessment includes reasons for the impairment, compliance with the Company's investment policy, the severity and the duration of the impairment and changes in value subsequent to the end of the period.

***Revenue Recognition***

We recognize revenue in accordance with the guidance in FASB ASC 942 "Financial Services – Depository Lending".

We generate revenue primarily through interest earned. For term loans, we will recognize interest income.

We also generate revenue through interest and dividends on investments and realized and unrealized gains on investments, which is all included in other income (expense) in the statements of operations.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

***Income taxes***

Income taxes - The Company accounts for income taxes in accordance with ASC Topic 740, Accounting for Income Taxes. Under this method, deferred income taxes are determined based on the estimated future tax effects of differences between the consolidated financial statement and tax basis of assets and liabilities given the provisions of enacted tax laws.

Deferred income tax provisions and benefits are based on changes to the assets or liabilities from year to year. In providing for deferred taxes, the Company considers tax regulations of the jurisdictions in which they operate, estimates of future taxable income, and available tax planning strategies. If tax regulations, operating results, or the ability to implement tax- planning strategies vary, adjustments to the carrying value of deferred tax assets and liabilities may be required. Valuation allowances are recorded related to deferred tax assets based on the "more likely than not" criteria of Topic 740. FASB ASC 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. Based on the Company's evaluation, it has been concluded that there are no significant uncertain tax positions requiring recognition in the Company's financial statements. The Company believes that its income tax positions would be sustained on audit and does not anticipate any adjustments that would result in a material change to it's financial position.

Management has determined that the Company does not have any uncertain tax positions and associated unrecognized benefits that materially impact the consolidated financial statements or related disclosures. Since tax matters are subject to some degree of uncertainty, there can be no assurance that the Company's tax returns will not be challenged by the taxing authorities and that the Company will not be subject to additional tax, penalties, and interest as a result of such challenge.

The Company's tax returns for the fiscal years 2024 through 2025 remain subject to potential examination by taxing authorities.

***Basic Income (Loss) Per Share***

Basic income (loss) per share is calculated by dividing the Company's net, income (loss) by the weighted average number of common shares during the period. Diluted earnings per share is calculated by dividing the Company's net income (loss) available to common shareholders by the diluted weighted average number of shares outstanding during the period. The diluted weighted average number of shares outstanding is the basic weighted number of shares adjusted for any potentially dilutive debt or equity. The Company does not have any potentially dilutive debt or equity on June 30, 2025 and 2024. The preferred shares are not dilutive as they are not convertible into common shares and are non-voting.

***Stock-based compensation***

The Company accounts for employee stock-based compensation in accordance with ASC 718-10, *"Share-Based Payment,"* which requires the measurement and recognition of compensation expense for all share-based payment awards made to employees and directors including employee stock options, restricted stock awards, and employee stock purchases based on estimated fair values.

ASC 718-10 is intended to reduce cost and complexity and to improve financial reporting for share-based payments issued to non-employees (for example, service providers, external legal counsel, suppliers, etc.). The ASU expands the scope of Topic 718, Compensation-Stock Compensation, which currently only includes share-based payments issued to employees, to also include share-based payments issued to non-employees for goods and services. Consequently, the accounting for share-based payments to non-employees and employees will be substantially aligned.

*Determining Fair Value Under ASC 718-10*

The Company estimates the fair value of stock options granted using the Black-Scholes option-pricing formula. This fair value is then amortized on a straight-line basis over the requisite service periods of the awards, which is generally the vesting period. The Company's determination of fair value using an option-pricing model is affected by the stock price as well as assumptions regarding the number of highly subjective variables.

***Allocation of expenses Incurred by Affiliate on Behalf of the Company***

Costs incurred by our affiliate will be allocated to the Company for the purposes of preparing the financial statements based on a specific identification basis or, when specific identification is not practicable, a proportional cost allocation method which allocates expenses based upon the percentage of employee time expended on the Company's business as compared to total employee time. The proportional use basis was adopted to allocate shared costs is in accordance with the guidance of SEC Staff Accounting Bulletin ("SAB") Topic 1B, *Allocation Of Expenses And Related Disclosure In Financial Statements Of Subsidiaries, Divisions Or Lesser Business Components Of Another Entity.* Management has determined that the method of allocating costs to the Company is reasonable.

Management believes that the statements of operations include a reasonable allocation of costs and expenses incurred by the Company. However, such amounts may not be indicative of the actual level of costs and expenses that would have been incurred by the Company if it had operated as an independent company or of the costs and expenses expected to be incurred in the future.

**NOTE 4. RECENTLY ISSUED ACCOUNTING STANDARDS**

Accounting standards promulgated by the FASB are subject to change. Changes in such standards may have an impact on the Company's future consolidated financial statements.

The Company periodically reviews new accounting standards that are issued. Although some of these accounting standards may be applicable to the Company, the Company has not identified any new standards that it believes merit further discussion, and the Company expects that none would have a significant impact on its consolidated financial statements.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

**<u>Segment reporting policy</u>**

In November 2023, the FASB issued Accounting Standards Update 2023-07 – Segment Reporting (Topic ASC 280) Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements, primarily through enhanced disclosure about significant segment expenses. The enhancements under this update require disclosure of significant segment expenses that are regularly provided to the Chief Operating Decision Maker ("CODM") and included within each reported measure of segment profit or loss, require disclosure of *other segment items* by reportable segment and a description of the composition of *other segment items*, require annual disclosures under ASC 280 to be provided in interim periods, clarify use of more than one measure of segment profit or loss by the CODM, require that the title of the CODM be disclosed with an explanation of how the CODM uses the reported measures of segment profit or loss to make decisions, and require that entities with a single reportable segment provide all disclosures required by this update and required under ASC 280. The Company adopted ASU 2023-07 for the annual period ended June 30, 2025.

The Company's Chief Executive Officer serves as the Chief Operating Decision Maker ("CODM") and evaluates the financial performance of the business and makes resource allocation decisions on a consolidated basis. As a result, the Company operates as a single reportable segment under ASC 280, Segment Reporting, defined by the CODM as Secured Lending. The Company's operations include making loans and collecting interest, all of which are managed centrally.

The CODM assesses financial performance based on revenue, operating profit, and key operating expenses.

**NOTE 5. INVESTMENTS**

The Company maintains a portfolio of investments on its consolidated balance sheets which consist of securities held at fair value. Fair value includes gross unrealized gains, gross unrealized losses, accrued interest, and amortized cost. The Company typically invests in government bonds, asset backed securities, and U.S. treasury securities.

The following is a summary of the investments as of June 30, 2025:

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Cost** | **Unrealized<br> Gain (Loss)** | **Fair Value** | **Percentage<br> of Total** |
| **Available for Sale - Debt Securities** |  |  |  |  |
| Treasury Bills | 89393 | 296 | 89689 | 100% |
| **Total Investments** | $**89393** | $**296** | $**89689** | 100% |

---

**NOTE 6. DUE TO AFFILIATE**

We intend to enter into a Management Services Agreement (the "Management Services Agreement") with Worthy Wealth Management, Inc. $15,434 and $0 was due to Worthy Management, Inc., an affiliate company, at June 30, 2025 and June 30, 2024, respectively.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

**NOTE 7. INCOME TAXES**

For the year ended June 30, 2025 and 2024, the income tax provision for current taxes were $0. The Company's tax returns for the fiscal years 2024 through 2025 remain subject to potential examination by taxing authorities.

Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. The majority of temporary differences that result in deferred tax assets and liabilities are the results of net operating loss carry forwards.

The components of the net deferred tax assets are as follows:

---

| | | |
|:---|:---|:---|
|  | Period ended <br> June 30, 2025 | Period ended <br> June 30, 2024 |
| Net Operating Loss | $117112 | $50162 |
| Less: Valuation allowance | (117112) | (50162) |
| Net deferred tax asset | $- | $- |

---

The net deferred tax assets have been fully offset by a valuation allowance at June 30, 2025 and 2024. The increase in the valuation allowance was $66,950.

The table below summarizes the reconciliation of our income tax provision computed at the federal statutory rate of 21% for the years ended June 30, 2025, and 2024 and the actual tax provisions for the year ended June 30, 2025, and the period ended June 30, 2024.

---

| | | |
|:---|:---|:---|
|  | June 30, 2025 | June 30, 2024 |
| Expected provision (benefit) at statutory rate | (21.0)% | (21.0)% |
| State taxes | (3.6)% | (3.6)% |
| Increase in valuation allowance | 24.6% | 24.6% |
| Total provision (benefit) for income taxes | 0.0% | 0.0% |

---

At June 30, 2025, and 2024, the Company had Federal net operating loss carry forwards of approximately $476,000 and $204,000, respectively. The net operating loss carry forward at June 30, 2025, can be carried forward indefinitely subject to annual usage limitations.

**NOTE 8. COMMITMENTS AND CONTINGENCIES**

***Legal contingencies***

From time to time, the Company may be a defendant in pending or threatened legal proceedings arising in the normal course of its business. Management is not aware of any pending, threatened or asserted claims.

**NOTE 9. EQUITY**

The Company has authorized 10,000,000 shares of common stock. On July 11, 2023, the Company was founded with the sale of 3,000,000 shares of our $0.0001 per share par value common stock for $300, to our officers and directors. The Company also sold 257,100 common stock for cash for $2.00 per share to our officers and other investors between August 31, 2023 and June 30, 2025.

**WORTHY WEALTH, INC.**

**Notes to Consolidated Financial Statements**

**For the Year Ended June 30, 2025 and Period from July 11, 2023 through June 30, 2024**

***Noncontrolling Interest***

As of June 30, 2025, Worthy Wealth Senior Living, Inc. ("Worthy Wealth"), a wholly-owned subsidiary of the Company, issued 55,677 shares of Series A Preferred Stock (the "Preferred Stock") to third-party investors in exchange for $556,770. The Preferred Stock has a par value of $0.001 per share and a stated value of $10 per share.

The Preferred Stock is perpetual in nature and will remain outstanding indefinitely unless a redemption event is triggered by a sale of real estate. Upon the sale of a real estate investment, Worthy Wealth is required to redeem a pro rata portion of the Preferred Stock. In connection with such redemption, holders are entitled to receive (i) their stated value, (ii) any accrued but unpaid dividends, and (iii) 60% of the profit realized on the sale of the real estate investment.

Dividends on the Preferred Stock accrue at a rate of 5% per annum for the first three years from issuance, and 7% per annum thereafter. Dividends are payable annually.

The initial Dividend shall be payable on the one year anniversary date of the Initial Issuance Date, and thereafter quarterly, in arrears. As of June 30, 2025, dividends in the amount of $2,253 were in arrears and unpaid.

The Preferred Stock is not convertible into any other class of equity securities and carries no voting rights.

Although the Series A preferred stock is redeemable, it is contingent upon an uncertain future event that is within the control of the Company. Accordingly, it has been presented as permanent equity in the Company's balance sheet as of June 30, 2025.

**Stock Options**

The 2024 Key Employee and Advisor Stock Option Plan allows for a maximum of 1,000,000 of shares of stock to be issued, subject to adjustment as set forth in the plan of a cumulative increase each January 1st through January 1, 2028 by a number of shares equal to the smaller of 3% of the number of shares issued and outstanding on the preceding December 31st, or an amount determined by the Board. As of June 30, 2025 880,000 shares of our common stock remain available for future stock option grants.

A summary of the Company's stock options as of and for the period ended June 30, 2025 and 2024 are as follows:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Number of<br> Shares<br> Underlying<br> Options** | **Weighted<br> Average <br> Exercise <br> Price** | **Weighted <br> Average Grant <br> Date Fair<br> Value** | **Weighted<br> Average<br> Remaining <br> Contractual <br> Life** | **Intrinsic**<br> **Value** |
| Outstanding at June 30, 2023 |  | $- | $- |  | $&nbsp;&nbsp;&nbsp;&nbsp;- |
| For the period ended June 30, 2024: |  |  |  |  |  |
| Exercised |  |  |  |  |  |
| Forfeited |  |  |  |  |  |
| Granted | 120000 | 5.00 | $1.91 | 9.67 | - |
| Outstanding at June 30, 2024 | 120000 | $5.00 | $1.91 | 9.67 | $- |
| Outstanding and Exercisable at June 30, 2024 | - | $- | $- | - | $- |
| For the period ended June 30, 2025: |  |  |  |  |  |
| Exercised |  |  |  |  |  |
| Forfeited |  |  |  |  |  |
| Granted | - | - | - | - | - |
| Outstanding at June 30, 2025 | 120000 | $5.00 | $1.91 | 9.67 | $- |
| Outstanding and Exercisable at June 30, 2025 | - | $- | $- | - | $- |

---

The following information applies to options outstanding at June 30, 2025:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **<br> **Options Outstanding** | **<br> **Options Outstanding** | **<br> **Options Outstanding** | **Options Exercisable** | **Options Exercisable** |
| **Exercise Price** | **Number of<br> Shares <br> Underlying <br> Options** | **Weighted <br> Average <br> Remaining<br> Contractual <br> Life** | **Number <br> Exercisable** | **Weighted Average<br> Remaining<br> Contractual Life** |
| $5.00 | 120000 | 8.67 | - |  |

---

The following information applies to options outstanding at June 30, 2024:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Options Outstanding** | **Options Outstanding** | **Options Outstanding** | **Options Exercisable** | **Options Exercisable** |
| **Exercise Price** | **Number of<br> Shares <br> Underlying <br> Options** | **Weighted <br> Average <br> Remaining<br> Contractual <br> Life** | **Number <br> Exercisable** | **Weighted Average<br> Remaining<br> Contractual Life** |
| $5.00 | 120000 | 9.67 |  |  |

---

At June 30, 2025 there was $191,300 of unrecognized compensation cost related to stock options, with expense expected to be recognized ratably over the next 2 years. At June 30, 2024 there was $191,300 of unrecognized compensation cost related to stock options, with expense expected to be recognized ratably over the next 2 years.

During the period ended June 30, 2025, the Company granted 0 stock options to employees. During the period ended June 30, 2024, the Company granted 120,000 stock options to employees.

The fair value of the options granted was estimated on the date of the grant using the Black-Scholes option-pricing model based on the following assumptions for the period ended June 30, 2025 and 2024: expected volatility: 134%, based on comparative volatility, risk-free interest rates: 4.28%, expected life in years: 10, and assumed dividend yield: 0%.

The Company recorded stock-based compensation of $114,780 and $38,260 at June 30, 2025 and June 30, 2024, respectively.

**NOTE 10. OTHER INCOME**

The Company also received a contribution of $100,000 from a third party to assist the Company in funding its pre-operational organization expenses. This contribution, from a non-equity owner, was not to be paid back and was not for future services and therefore was recorded as other income.

**NOTE 11. RELATED PARTIES**

The Company has received capital contributions from its parent company, see note 9. Due to related parties at June 30, 2025, of $15,434 is due to an affiliate company, Worthy Management, Inc.

**NOTE 12. SUBSEQUENT EVENTS**

The Company has evaluated these consolidated financial statements for subsequent events through October 28, 2025. Management is not aware of any events that have occurred subsequent to the balance sheet date that would require adjustment to, or disclosure in the consolidated financial statements.

**Worthy Wealth, Inc.**

**Offering of**

**$40,000,000 Maximum Offering Amount**

**of Common Shares**

**OFFERING CIRCULAR**

__________, 2026

**PART III - EXHIBITS**

**Index to Exhibits**

---

| | |
|:---|:---|
| **Exhibit No.** | **Exhibit Description** |
| 1.1\* | [Broker-Dealer Agreement with Texture Capital, Inc.](https://www.sec.gov/Archives/edgar/data/2007516/000149315224011354/ex1-1.htm) |
| 1.2\* | [Form of FinTech License Agreement](https://www.sec.gov/Archives/edgar/data/2007516/000149315224021910/ex1-2.htm) |
| 1.3\* | [Transfer Agent Agreement](https://www.sec.gov/Archives/edgar/data/2007516/000149315224025238/ex1-3.htm) |
| 1.7\* | [Management Services Agreement](https://www.sec.gov/Archives/edgar/data/2007516/000149315224021910/ex1-7.htm) |
| 2.1\* | [Articles of Incorporation](https://www.sec.gov/Archives/edgar/data/2007516/000149315224011354/ex2-1.htm) |
| 2.2\* | [Certificate of Amendment to Articles of Incorporation](https://www.sec.gov/Archives/edgar/data/2007516/000149315224011354/ex2-2.htm) |
| 2.3\* | [Amended and Restated Bylaws](https://www.sec.gov/Archives/edgar/data/2007516/000149315224025238/ex2-3.htm) |
| 4.1\* | [Form of Subscription Agreement](https://www.sec.gov/Archives/edgar/data/2007516/000149315224025238/ex4-1.htm) |
| 11.1\*\* | [Consent of Dickinson Wright PLLC (included in Exhibit 12.1).](ex12-1.htm) |
| 11.2\*\* | [Consent of Assurance Dimensions](ex11-2.htm) |
| 12.1\*\* | [Opinion of Dickinson Wright PLLC](ex12-1.htm) |

---

\* Previously Filed

\*\* Filed herewith.

**SIGNATURES**

Pursuant to the requirements of Regulation A, the registrant has duly caused this Amendment on Form 1-A/A to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Alpharetta, State of Georgia on February 6, 2026.

---

| | |
|:---|:---|
| Worthy Wealth, Inc. | Worthy Wealth, Inc. |
| By: | */s/ Sally Outlaw* |
|  | Sally Outlaw |
|  | Chief Executive Officer |

---

Pursuant to the requirements of Regulation A, this Amendment on Form 1-A/A has been signed by the following persons in the capacities indicated on February 6, 2026.

---

| | | |
|:---|:---|:---|
| **Name** | **Positions** | **Date** |
| */s/ Sally Outlaw* | Chief Executive Officer and director | February 6, 2026 |
| Sally Outlaw | (principal executive officer) |  |
| */s/ Alan Jacobs* | Executive Vice President, Chief Operating Officer and director | February 6, 2026 |
| Alan Jacobs | (principal financial and accounting officer) |  |
| */s/ Jungkun Centofanti* | Senior Vice President, Chief Administrative Officer, and Secretary, | February 6, 2026 |
| Jungkun Centofanti |  |  |
| /s/ *Christopher Carter* | Director | February 6, 2026 |
| Christopher Carter |  |  |

---

## Add

**Exhibit 11.2**

CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use of our report dated October 28, 2025, on the financial statements of Worthy Wealth, Inc. as of June 30, 2025, and for the period ended June 30, 2025 included in this Regulation A Offering Statement of Worthy Wealth, Inc., on Form 1-A POS, and to the reference to our firm under the heading "Experts".

![](image_001.jpg)

Assurance Dimensions

Coral Springs, Florida

February 6, 2026

## Add

**Exhibit 12.1**

---

| | |
|:---|:---|
| ![](ex12-1_001.jpg) | ![](ex12-1_002.jpg) |

---

February 6, 2026

Worthy Wealth, Inc.

11175 Cicero Dr., Suite, 100

Alpharetta, Georgia 30022

Re: <u>Worthy Wealth, Inc. Offering Statement on Form 1-A/A</u>

Dear Ladies and Gentlemen:

This opinion is furnished to you in connection with an Offering Statement on Form 1-A, as amended (File No. 024-12388) (the "**Offering Statement**"), filed with the Securities and Exchange Commission (the "**Commission**") under the Securities Act of 1933, as amended (the "**Securities Act**"), for the proposed offering by Worthy Wealth, Inc., a Georgia corporation (the "**Company**"), of up to 4,000,000 shares of Company's common stock ("**Shares**"), with an aggregate principal amount of $40,000,000.

We are acting as counsel for the Company in connection with the issuance and sale by the Company of the Shares. We have examined signed copies of the Offering Statement, and exhibits, as filed with the Commission. We have also examined and relied upon originals or copies, certified or otherwise identified to our satisfaction, of (i) the certificate of incorporation of the Company, as amended, (ii) the bylaws of the Company, and (iii) such other agreements and instruments, certificates of public officials, officers of the Company and other persons, and such other documents, instruments and certificates as we have deemed necessary as a basis for the opinions hereinafter expressed.

In our examination of the foregoing documents, we have assumed the genuineness of all signatures, the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted to us as copies, the authenticity of the originals of such latter documents, the legal competence of all signatories to such documents and the completeness and accuracy of the corporate records of the Company provided to us by the Company.

We express no opinion with regard to the applicability or effect of the law of any jurisdiction other than, as in effect on the date of this letter, (a) the internal laws of the State of Georgia, and (b) the federal laws of the United States.

Based upon and subject to the foregoing, we are of the opinion that the Shares, when issued and delivered in the manner and/or on the terms described in the Offering Statement as filed (after it is declared qualified), will be validly issued, fully paid, non assessable, and will be a binding obligation of the Company, enforceable against the Company in accordance with their terms, except to the extent that enforcement thereof may be limited by (1) bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance or other similar laws now or hereafter in effect relating to creditors' rights generally and (2) general principles of equity (regardless of whether enforceability is considered in a proceeding at law or in equity).

![](ex12-1_003.jpg)

---

| | |
|:---|:---|
| Worthy Wealth, Inc.<br> February 6, 2026<br> Page 2 | ![](ex12-1_004.jpg) |

---

Please note that we are opining only as to the matters expressly set forth herein, and no opinion should be inferred as to any other matters. This opinion is based upon currently existing statutes, rules, regulations and judicial decisions, and we disclaim any obligation to advise you of any change in any of these sources of law or subsequent legal or factual developments which might affect any matters or opinions set forth herein.

We hereby consent to the filing of this opinion with the Commission as an exhibit to the Offering Statement in accordance with the requirements of paragraph 12 of Item 17 of Form 1-A and to the use of our name therein and in the related Offering Circular under the caption "**Legal Matters**." In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act or the rules and regulations of the Commission promulgated thereunder.

---

| |
|:---|
| Very truly yours, |
| */s/ Dickinson Wright PLLC* |

---

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 1-A

### REGULATION A OFFERING STATEMENT
### UNDER THE SECURITIES ACT OF 1933

### Item 1. Issuer Information

**Exact name of issuer:** Worthy Wealth, Inc.

**Jurisdiction of Incorporation/Organization:** GA

**Year of Incorporation:** 2023

**CIK:** 0002007516

**I.R.S. Employer Identification Number:** 93-2330985

**Primary Standard Industrial Classification Code:** 6500

**Total number of full-time employees:** 0

**Total number of part-time employees:** 0

**Address of Principal Executive Offices:** 11175 Cicero Drive, Suite 100, Alpharetta, GA 30022

**Company Phone:** 678-646-6791

**Person to contact:** Alan Jacobs

### Financial Statements

**Balance Sheet Information**

| Metric                                   | Amount     |
|:---|:---|
| Cash and Cash Equivalents                | $706513.00 |
| Investment Securities                    | $89689.00  |
| Accounts and Notes Receivable            | $0.00      |
| Property, Plant and Equipment (PP&E)     | $0.00      |
| Total Assets                             | $796202.00 |
| Accounts Payable and Accrued Liabilities | $108294.00 |
| Long-Term Debt                           | $0.00      |
| Total Liabilities                        | $108294.00 |
| Total Stockholders' Equity               | $687908.00 |
| Total Liabilities and Equity             | $796202.00 |

**Statement of Comprehensive Income Information**

| Metric                                    | Amount      |
|:---|:---|
| Total Revenues                            | $0.00       |
| Costs and Expenses Applicable to Revenues | $0.00       |
| Depreciation and Amortization             | $0.00       |
| Net Income                                | $-386936.00 |
| Earnings Per Share - Basic                | -0.12       |
| Earnings Per Share - Diluted              | -0.12       |

**Auditor Information**

| Metric          | Amount               |
|:---|:---|
| Name of Auditor | Assurance Dimensions |

### Outstanding Securities

| Class            |   Outstanding |     CUSIP | Publicly Traded   |
|:---|---:|---:|:---|
| Common Equity    |       3151260 | 000000000 | n/a               |
| Preferred Equity |             0 | 000000000 | n/a               |
| Debt Securities  |             0 | 000000000 | n/a               |

### Item 2. Issuer Eligibility
- [x] The issuer certifies that all of the statements in this part are true.

### Item 3. Application of Rule 262
- [x] The issuer certifies that it is not disqualified and has not been involved in any disqualifying event.

### Item 4. Summary Information Regarding the Offering

**Tier:** Tier2

**Financial Statement Status:** Audited

**Type of Securities Offered:** Equity (common or preferred stock)

**Is this a delayed or continuous offering?** Yes

**Was or is the offering to take place within one year after qualification?** Yes

**Was or is the offering to commence within two days after qualification?** No

**Is this a best efforts offering?** Yes

**Was there any solicitation of interest?** No

**Are there any resale securities by affiliates of the issuer?** No

**Offering Amounts**

| Description                                                     | Amount       |
|:---|:---|
| Number of securities offered                                    | 4000000      |
| Number of securities outstanding                                | 3151260      |
| Price per security                                              | $10.00       |
| Issuer's aggregate offering price                               | $40000000.00 |
| Aggregate offering price of securities held by security holders | $0.00        |
| Aggregate price of securities offered concurrently              | $0.00        |
| Total aggregate offering price                                  | $40000000.00 |

**Anticipated Fees**

| Service Provider   | Name                   | Fees      |
|:---|:---|:---|
| Auditor            | Assurance Dimensions   | $5000.00  |
| Legal              | Dickinson Wright, PLLC | $30000.00 |
| Promoters          | n/a                    | $0.00     |

**Estimated Net Proceeds to the Issuer:** $37740000.00

### Item 5. Jurisdictions in Which Securities are to be Offered

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY, DC, PR, A0, A1, A2, A3, A4, A5, A6, A7, A8, A9, B0, Z4

### Item 6. Unregistered Securities Issued or Sold Within One Year

**Name of Such Issuer:** Worthy Wealth, Inc.

**Title of Securities Issued:** Common Stock

**Total Amount of Securities Issued:** 3151260

**Amount of such securities sold by principal security holders:** 0

**Aggregate consideration:** 3,151,260 shares of Common Stock for total proceeds of $570,900. The Company also issued 120,000 Options for Common Stock at an exercise price of $5.00 through its Key Person and Advisors Stock Option Plan.

**Basis for aggregate consideration:** —

**Securities Act Exemption:** The foregoing issuances were pursuant to Rule 506(b) of Regulation D and Section 4(a)(2) of the Securities Act of 1933, as amended, for transactions by an issuer not involving any public offering.