ANCHOR WEALTH MANAGEMENT GROUP LLC

D I S C L O S U R E B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 A Office Address: 120 S. Olive Ave, Suite 400 West Palm Beach, FL 33401 Tel: (561) 228-8688 Fax: (561) 228-8628 Email: Kmarczyk@anchorwealthgroup.com Website: AnchorWealthGroup.com June 4, 2025 This brochure provides information about the qualifications and business practices of Anchor Wealth Management Group LLC. Being registered as an investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at (561) 228-8688. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities A D D I T I O N A L I N F O R M A T I O N A B O U T A N C H O R W E A L T H M A N A G E M E N T authority. G R O U P L L C ( C R D # 3 2 9 2 8 6 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V i  Item 2: Material Changes Annual Update Material Changes since the Last Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous release of the Firm Brochure. • Since the last filing on February 26, 2025, the following has been updated: • Item 4 has been updated to reflect the assets under management as of year end. • Item 7 has been updated to reflect we do not have an account minimum. Full Brochure Available Item 15 has been updated to reflect we have Third-Party Standing Letters of Authorization. This Firm Brochure being delivered is the complete brochure for the Firm. ii  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 2: Material Changes .................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Update.................................................................................................................. ii Item 3: Table of Contents ................................................................................................................... iii Full Brochure Available .................................................................................................................................................. ii Item 4: Advisory Business .................................................................................................................. 1 Firm Description ............................................................................................................................................................... 1 Types of Advisory Services ........................................................................................................................................... 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 2 Wrap Fee Programs ......................................................................................................................................................... 2 Item 5: Fees and Compensation ....................................................................................................... 2 Client Assets Under Management .............................................................................................................................. 2 Method of Compensation and Fee Schedule .......................................................................................................... 2 Client Payment of Fees ................................................................................................................................................... 4 Additional Client Fees Charged ................................................................................................................................... 4 Prepayment of Client Fees ............................................................................................................................................ 4 Item 6: Performance-Based Fees and Side-by-Side Management ........................................ 5 External Compensation for the Sale of Securities to Clients ........................................................................... 5 Item 7: Types of Clients ....................................................................................................................... 5 Sharing of Capital Gains ................................................................................................................................................. 5 Description .......................................................................................................................................................................... 5 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................ 5 Account Minimums .......................................................................................................................................................... 5 Methods of Analysis ......................................................................................................................................................... 5 Investment Strategy ........................................................................................................................................................ 5 Item 9: Disciplinary Information ..................................................................................................... 7 Security Specific Material Risks .................................................................................................................................. 6 Criminal or Civil Actions ................................................................................................................................................ 7 Administrative Enforcement Proceedings ............................................................................................................. 7 Item 10: Other Financial Industry Activities and Affiliations ............................................... 7 Self- Regulatory Organization Enforcement Proceedings ............................................................................... 7 Broker-Dealer or Representative Registration .................................................................................................... 7 Futures or Commodity Registration ......................................................................................................................... 8 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................... 8 iii  Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ................ 8 Trading ..................................................................................................................................................... 8 Code of Ethics Description ............................................................................................................................................ 8 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest.... 9 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest ... 9 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ........................................................................................................... 9 Transactions and Conflicts of Interest ..................................................................................................................... 9 Factors Used to Select Broker-Dealers for Client Transactions .................................................................... 9 Item 13: Review of Accounts ........................................................................................................... 11 Aggregating Securities Transactions for Client Accounts ............................................................................. 10 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ............................................................................................................................................................................. 11 Review of Client Accounts on Non-Periodic Basis ........................................................................................... 11 Item 14: Client Referrals and Other Compensation ................................................................ 11 Content of Client Provided Reports and Frequency ........................................................................................ 11 Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest ............................................................................................................................................................................... 11 Item 15: Custody .................................................................................................................................. 12 Advisory Firm Payments for Client Referrals .................................................................................................... 11 Item 16: Investment Discretion ..................................................................................................... 12 Account Statements ...................................................................................................................................................... 12 Item 17: Voting Client Securities ................................................................................................... 13 Discretionary Authority for Trading...................................................................................................................... 12 Item 18: Financial Information ...................................................................................................... 13 Proxy Votes ...................................................................................................................................................................... 13 Balance Sheet .................................................................................................................................................................. 13 Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 13 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 15 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 13 ® ® Principal Executive Officer – Katarzyna A. Marczyk CFP , CDFA, CRPC “Kasia” .............................. 15 Item 2 - Educational Background and Business Experience ....................................................................... 15 Item 3 - Disciplinary Information ........................................................................................................................... 16 Item 4 - Other Business Activities ........................................................................................................................... 16 Item 5 - Additional Compensation .......................................................................................................................... 17 Item 6 - Supervision ..................................................................................................................................................... 17 iv  Item 4: Advisory Business Firm Description Types of Advisory Services Anchor Wealth Management Group LLC (“Anchor Wealth Management Group”) was founded in 2010. Katarzyna A. Marczyk “Kasia” is 99% owner and Michal Marczyk is 1% owner, Michal Marczyk does not offer any advisory services. ASSET MANAGEMENT Anchor Wealth Management Group offers discretionary asset management services to advisory Clients. Anchor Wealth Management Group will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The Client will authorize Anchor Wealth Management Group discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. Direct Mutual Funds - American Funds Service Company (AFS) Anchor Wealth Management Group will also analyze, review, and make allocation recommendations regarding Client’s direct Mutual Fund account. Anchor Wealth Management Group will provide Client with ongoing monitoring regarding Client's mutual funds under the plan. FINANCIAL PLANNING AND CONSULTING Anchor Wealth Management Group client relationships typically begin with financial planning. The goal is to organize your affairs and identify your needs so that you can achieve what is most important to you. Financial plans will be provided to outline the recommendations, strategies, solutions and resources Identified in the plan. Financial plans will be provided for the following types of clients: • • Individual families Business owners Comprehensive Planning: Anchor Wealth Management Group offers the following types of financial planning services: services may include any or all of the following: • • • • • • • • • • • • Retirement Planning Cash Flow Analysis/Budget Planning Business Planning Education Planning Estate and Trust Planning Comprehensive Risk Management/Insurance Planning Investment Planning Special Circumstances Planning Tax Planning Distribution Planning/Cash Flow Forecasting General Financial Planning Sudden Wealth Planning - 1 -  Modular Planning: this is a review of any of the key areas of planning listed above on a stand-alone basis. We provide investment consultations that allow us to create and implement a customized investment strategy tailored to your long-term financial goals. Clients will also have access to our open-architecture platform with a variety of investment management solutions. We may also facilitate meetings with you and/or advisers or specialists within our professional network. Anchor Wealth Management Group does not offer tax or legal services, any recommendations provided in a financial plan should be discussed with your tax and/or legal professional. We may also coordinate and facilitate meetings with family members, business associates, partners or other key individuals to assist with implementing your action plan. Anchor Wealth Management provides financial planning and consulting services to investment and non-investment management clients for a fee. Client Tailored Services and Client Imposed Restrictions If a conflict of interest exists between the interests of Anchor Wealth Management Group and the interests of the Client, the Client is under no obligation to act upon Anchor Wealth Management Group’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through Anchor Wealth Management Group. Financial plans will be completed and delivered within six months contingent upon timely delivery of all required documentation. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Wrap Fee Programs Agreements may not be assigned without written Client consent. Client Assets Under Management Anchor Wealth Management Group does not sponsor any wrap fee programs. Anchor Wealth Management Group has the following Client assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $204,994,411 $0 May 20, 2025 Item 5: Fees and Compensation Method of Compensation and Fee Schedule ASSET MANAGEMENT Anchor Wealth Management Group offers discretionary direct asset management services to advisory Clients. Anchor Wealth Management Group charges an annual investment advisory fee based on the total assets under management as follows: Assets Under Management All assets Annual Fee 1.5% Quarterly Fee .375% The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with Clients, etc.). Anchor Wealth Management Group considers cash to be an asset class, and as - 2 -  such is included in fee calculations. Also, to be noted, at times fees will exceed the money market yield. Fees are billed quarterly in advance based on the amount of assets managed as of the close of business on the last business day of the previous quarter. Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement with no obligation and without penalty. After the initial five (5) business days, the agreement may be terminated by Anchor Wealth Management Group with thirty (30) days written notice to Client and by the Client at any time with written notice to Anchor Wealth Management Group. If cash and/or securities are deposited into or withdrawn from an existing account mid billing period a prorated fee will be charged for that portion of the account. For accounts opened or closed mid-billing period, fees will be prorated based on the days services are provided during the given period. All unearned fees will be refunded to the Client. Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs. Direct Mutual Funds - American Funds Service Company (AFS) The following platform is made available through AFS, where clients are invested in portfolios constructed solely of mutual funds managed by American Funds. Fees for accounts held at AFS shall be based on the cumulative plan asset value and be no more than 1.0% annually. The fees will be billed quarterly in arrears. The fees will be calculated by AFS for each quarter period ending the last business day of February, May, August and November and shall be the product of (i) the average daily net asset value of Client assets invested in shares of the Funds through the Program during the quarter; (ii) the number of days in the quarter; and (iii) the rate agreed to by the parties divided by the number of days in the year. The fee shall be paid within thirty (30) days following the end of the quarter for which such fees are payable. AFS shall deduct fees from Client accounts to pay Anchor Wealth Management Group. Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement for a full refund. Clients may terminate advisory services with thirty (30) days written notice. For accounts closed mid-quarter, Anchor Wealth Management Group will be entitled to a pro rata fee for the days of service was provided in the final quarter. Client shall be given thirty (30) days prior written notice of any increase in fees. Client will acknowledge, in writing, any agreement of increase in said fees before any increase in fees occurs. FINANCIAL PLANNING AND CONSULTING Anchor Wealth Management Group charges either an hourly fee or fixed fee based on complexity and unique Client needs for financial planning. Prior to the planning process the Client will be provided an estimated plan fee. HOURLY FEES Financial Planning Services are offered based on an hourly fee of $450 per hour. FIXED FEES Financial Planning Services are offered based on a flat fee between $3,500-15,000. Anchor Wealth Management Group offers the following options for fee structures: - 3 -  1. Fixed – One Time Agreement – due at commencement of the plan. 2. Annual Ongoing Agreement - Annual Ongoing Agreements will be renewed automatically until changed or Agreement is terminated. a. b. c. Annual Fee Payment – paid in advance at the beginning of the year. Semi-Annual Fee Payment – paid in advance every six months. Quarterly Fee Payment – paid in advance at the beginning of each quarter. 3. Hourly – due at commencement of the plan. Services are completed and delivered within six months contingent upon timely delivery of all required documentation. Client may cancel within five (5) business days of signing Agreement with no obligation and without penalty. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to Anchor Wealth Management Group. Client Payment of Fees Should the client terminate the advisory agreement with Anchor Wealth Management Group before the finalized financial plan is delivered, they will be entitled to a pro-rata refund of the initial fee paid, based on how many hours of work Anchor Wealth Management Group has done on the plan at a rate of $450/hour. • Fees for asset management services are: Deducted from a designated Client account. The Client must consent in advance to direct debiting of their investment account. • Fees for financial plans will be billed: • Check – to be remitted by Client to Anchor Wealth Management Group. • Deducted from a non-qualified account managed by Anchor Wealth Management Group. Additional Client Fees Charged Electronic Payment via ACH (fees will be paid via a third party payment processor in which the client will securely input payment information and pay the advisory fee through a secure portal. Anchor Wealth Management Group will not have continuous access to the Client’s banking information.) Custodians may charge transaction fees and other related costs on the purchases or sales of mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money market funds and exchange-traded funds also charge internal management fees, which are disclosed in the fund’s prospectus. Anchor Wealth Management Group does not receive any compensation from these fees. All of these fees are in addition to the management fee you pay to Anchor Wealth Management Group. For more details on the brokerage practices, see Prepayment of Client Fees Item 12 of this brochure. Anchor Wealth Management Group does not require any prepayment of fees of more than $1,200 per Client and six months or more in advance. Fees for financial plans may be billed in advance. Investment management fees are billed quarterly in advance. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to Anchor Wealth Management Group. - 4 -  External Compensation for the Sale of Securities to Clients Investment Advisor Representatives of Anchor Wealth Management Group receive external compensation from sales of investment related products such as insurance as licensed insurance agents. This represents a conflict of interest because it gives an incentive to recommend products based on the commission received. This conflict is mitigated by disclosures, procedures, and Anchor Wealth Management Group’s fiduciary obligation to place the best interest of the Client first and Clients are not required to purchase any products or services. Clients have the option to purchase these products through another insurance agent of their choosing. Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. Anchor Wealth Management Group does not use a performance-based fee structure because of the conflict of interest. Performance based compensation may create an incentive for Anchor Wealth Management Group to recommend an investment that may carry a higher degree of risk to the Client. Item 7: Types of Clients Description Account Minimums Anchor Wealth Management Group generally provides investment advice to individuals, high net worth individuals, trusts, estates, or charitable organizations, corporations or business entities. Client relationships vary in scope and length of service. Anchor Wealth Management Group does not requires a minimum to open or maintain an account. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Security analysis methods typically includes fundamental analysis. Investing in securities involves risk of loss that Clients should be prepared to bear. Past performance is not a guarantee of future returns. Investment Strategy Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time by providing written notice to Anchor Wealth Management Group. Each Client executes a Client profile form or similar form that documents their objectives and their desired investment strategy. Other strategies may include long-term purchases, short-term purchases, and trading. - 5 -  Security Specific Material Risks All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment • Market Risk risks and should discuss these risks with Anchor Wealth Management Group: • : The prices of securities in which clients invest may decline in response to certain events taking place around the world, including those directly involving the companies whose securities are owned by a fund; conditions affecting the general economy; overall market changes; local, regional or global political, social or economic instability; and currency, interest rate and commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate potentially sharp declines Interest-rate Risk in market value. • : Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less Inflation Risk attractive, causing their market values to decline. : When any type of inflation is present, a dollar today will buy more than a • Currency Risk dollar next year, because purchasing power is eroding at the rate of inflation. : Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as • Reinvestment Risk exchange rate risk. • Liquidity Risk : This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Management Risk: : Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Equity Risk: The advisor’s investment approach may fail to produce the intended results. If the advisor’s assumptions regarding the performance of a specific asset class or fund are not realized in the expected time frame, the overall performance of the client’s portfolio may suffer. • Fixed Income Risk: Equity securities tend to be more volatile than other investment choices. The value of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value of the client’s overall portfolio. Small- and mid- cap companies are subject to additional risks. Smaller companies may experience greater volatility, higher failure rates, more limited markets, product lines, financial resources, and less management experience than larger companies. Smaller companies may also have a lower trading volume, which may disproportionately affect their market price, tending to make them fall more in response to selling pressure than is the case with larger companies. The issuer of a fixed income security may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of fixed income securities held by a fund is likely to decrease. A nominal interest rate is the sum of a real interest rate and an expected inflation rate. - 6 -  Investment Companies Risk: • • Long-term purchases When a client invests in open end mutual funds or ETFs, the client indirectly bears their proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, which may be duplicative. In addition, the client’s overall portfolio may be affected by losses of an underlying fund and the level of risk arising from the investment practices of an underlying fund (such as the use of derivatives). ETFs are also subject to the following risks: (i) an ETF’s shares may trade at a market price that is above or below their net asset value or (ii) trading of an ETF’s shares may be halted if the listing exchange’s officials deem such action appropriate, the shares are de-listed from the exchange, or the activation of market-wide “circuit breakers” (which are tied to large decreases in stock prices) halts stock trading generally. Adviser has no control over the risks taken by the underlying funds in which client invests. • Short-term purchases : Long-term investments are those vehicles purchased with the intention of being held for more than one year. Typically the expectation of the investment is to increase in value so that it can eventually be sold for a profit. In addition, there may be an expectation for the investment to provide income. One of the biggest risks associated with long-term investments is volatility, the fluctuations in the financial markets that can cause investments to lose value. : Short-term investments are typically held for one year or less. Generally there is not a high expectation for a return or an increase in value. Typically, short-term investments are purchased for the relatively greater degree of principal protection they are designed to provide. Short-term investment vehicles may be subject to purchasing power risk — the risk that your investment’s return will not keep up with • Trading risk inflation. : Investing involves risk, including possible loss of principal. There is no assurance that the investment objective of any fund or investment will be achieved. Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings Anchor Wealth Management Group and its management have not been involved in any criminal or civil action. Self- Regulatory Organization Enforcement Proceedings Anchor Wealth Management Group and its management have not been involved in administrative enforcement proceedings. Anchor Wealth Management Group and its management have not been involved in any self- regulatory organizational enforcement proceedings that are material to a Client’s or prospective Client’s evaluation of Anchor Wealth Management Group or the integrity of its management. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Anchor Wealth Management Group is not registered as a broker-dealer and no affiliated representatives of Anchor Wealth Management Group are registered representatives of a broker-dealer. - 7 -  Futures or Commodity Registration Material Relationships Maintained by this Advisory Business and Conflicts of Interest Neither Anchor Wealth Management Group nor its affiliated representatives are registered or have an application pending to register as a futures commission merchant, commodity pool operator, or a commodity trading advisor. Kasia Marczyk has a financial affiliated business as an independent insurance agent. Approximately 5% of her time is spent on this activity. She will offer Clients services from this activity. As an insurance agent, she may receive separate yet typical compensation. This practice represents a conflict of interest because it gives an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products. Clients have the Recommendations or Selections of Other Investment Advisors and Conflicts of Interest option to purchase these products through another insurance agent of their choosing. Anchor Wealth Management Group does not select or recommend other investment advisors. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description include employees and/or The affiliated persons (affiliated persons independent contractors) of Anchor Wealth Management Group have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of Anchor Wealth Management Group affiliated persons and addresses conflicts that may arise. The Code defines acceptable behavior for affiliated persons of Anchor Wealth Management Group. The Code reflects Anchor Wealth Management Group and its supervised persons’ responsibility to act in the best interest of their Client. One area which the Code addresses is when affiliated persons buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our Clients. We do not allow any affiliated persons to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. Anchor Wealth Management Group’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other affiliated person, officer or director of Anchor Wealth Management Group may recommend any transaction in a security or its derivative to advisory Clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. Anchor Wealth Management Group’s Code is based on the guiding principle that the interests of the Client are our top priority. Anchor Wealth Management Group’s officers, directors, advisors, and other affiliated persons have a fiduciary duty to our Clients and must diligently perform that duty to maintain the complete trust and confidence of our Clients. When a conflict arises, it is our obligation to put the Client’s interests over the interests of either affiliated persons or the company. - 8 -  The Code applies to “access” persons. “Access” persons are affiliated persons who have access to non-public information regarding any Clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are involved in making securities recommendations to Clients, or who have access to such recommendations that are non-public. Anchor Wealth Management Group will provide a copy of the Code of Ethics to any Client or prospective Client upon request. Investment Recommendations Involving a Material Financial Interest and Conflict of Interest Anchor Wealth Management Group and its affiliated persons do not recommend to Clients securities in which we have a material financial interest. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Anchor Wealth Management Group and its affiliated persons may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as trading ahead of Client transactions, affiliated persons are required to disclose all reportable securities transactions as well as provide Anchor Wealth Management Group with copies of their brokerage statements. The Chief Compliance Officer of Anchor Wealth Management Group is Kasia Marczyk. She reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential treatment over associated persons’ transactions. Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest Anchor Wealth Management Group does not have a material financial interest in any securities being recommended. However, affiliated persons may buy or sell securities at the same time they buy or sell securities for Clients. In order to mitigate conflicts of interest such as front running, affiliated persons are required to disclose all reportable securities transactions as well as provide Anchor Wealth Management Group with copies of their brokerage statements. The Chief Compliance Officer of Anchor Wealth Management Group is Kasia Marczyk. She reviews all trades of the affiliated persons each quarter. The personal trading reviews ensure that the personal trading of affiliated persons does not affect the markets and that Clients of the firm receive preferential treatment over associated persons’ transactions. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions Anchor Wealth Management Group will recommend the use of a particular broker-dealer based on their duty to seek best execution for the client, meaning they have an obligation to obtain the most favorable terms for a client under the circumstances. The determination of what may constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is affected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker-dealer, the value of an ongoing relationship with such broker and the financial strength and stability of the broker. Anchor - 9 -  Wealth Management Group will select appropriate brokers based on a number of factors including but not limited to their relatively low transaction fees and reporting ability. Anchor Wealth Management Group relies on its broker to provide its execution services at the best prices available. Lower fees for comparable services may be available from other sources. Clients pay for any and all custodial fees in addition to the advisory fee charged by Anchor Wealth Management Group. Anchor Wealth Management Group does not receive any portion of the trading fees. ® Anchor Wealth Management Group will also manage money through American Funds Service Company (AFS). AFS is a transfer agent, not a qualified custodian. The SEC Custody Rule permits mutual fund transfer agents holding fund shares to serve in lieu of a qualified custodian (Adviser’s Act Rule 206(4)-2(b)). This provision of the rule exempts registered investment advisors (RIAs) from the independent audit requirement of the SEC Custody Rule. Clients pay for any and all transfer agent fees in addition to the advisory fee charged by Anchor Wealth Management Group. • Research and Other Soft Dollar Benefits We utilize Fidelity as the qualified custodian for client accounts. • Brokerage for Client Referrals Anchor Wealth Management Group receives compensation from Fidelity, the broker-dealer and account custodian used for our clients’ accounts, in the form of access to electronic systems that assist us in the management of client accounts, as well as research, software and other technology that provide access to client account data (such as trade confirmations and account statements), pricing information and other market data, facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), and client reporting capabilities. The account custodian also offers us discounts for products and services offered by vendors and third-party service providers, such as software and technology solutions. These economic benefits create a conflict of interest in that it gives our, firm an incentive to recommend one broker-dealer or custodian over another that does not provide similar electronic systems, support or services. We address this conflict of interest by disclosing to our clients the types of compensation that our firm receives so clients can consider this when evaluating our firm. It is important that clients consider the fees, level of service and investment strategies, among other factors, when selecting an investment manager. • Directed Brokerage Anchor Wealth Management Group does not receive client referrals from any custodian or third party in exchange for using that broker-dealer or third party. Aggregating Securities Transactions for Client Accounts Anchor Wealth Management Group does not allow directed brokerage accounts. Anchor Wealth Management Group manages each account separately, and therefore, does not aggregate purchases and sales and other transactions. If orders are not aggregated, some clients purchasing securities around the same time may receive a less favorable price than other clients which may cost clients more money. - 10 -  Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Account reviews are performed quarterly by the Chief Compliance Officer of Anchor Wealth Management Group, Kasia Marczyk. Account reviews are performed more frequently when market conditions dictate. Reviews of Client accounts include, but are not limited to, a review of Client documented risk tolerance, adherence to account objectives, investment time horizon, and suitability criteria, reviewing target allocations of each asset class to identify if there is an opportunity for rebalancing, and reviewing accounts for tax loss harvesting opportunities. Review of Client Accounts on Non-Periodic Basis Financial plans generated are updated as requested by the Client and pursuant to a new or amended agreement, Anchor Wealth Management Group suggests updating at least annually. Content of Client Provided Reports and Frequency Other conditions that may trigger a review of Clients’ accounts are changes in the tax laws, new investment information, and changes in a Client's own situation. Clients receive written account statements no less than quarterly for managed accounts. Account statements are issued by Anchor Wealth Management Group’s custodian. Client receives confirmations of each transaction in account from custodian and an additional statement during any month in which a transaction occurs. Anchor Wealth Management Group does not provide additional reports to Clients. Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest Anchor Wealth Management Group receives additional economic benefits from external sources as described above in Item 12. On occasion, outside parties such as product vendors, service vendors, or third party money managers may invite and pay the expenses for an Anchor Wealth Management Group Advisor to attend a conference, training seminar or due diligence event that they have organized. Additionally, an outside party may provide economic benefits by paying for all or a portion of a meeting hosted by Anchor Wealth Management Group such as a client appreciation event, sales seminar or training meeting. Advisory Firm Payments for Client Referrals This economic benefit is not tied to any specific sales quota. The receipt of cash or non-cash compensation from an outside party creates a conflict of interest when making investment recommendations for clients. This conflict is mitigated by disclosures, procedures, and the firm’s fiduciary obligation to place the best interest of the Client first. Anchor Wealth Management Group does not compensate for Client referrals. - 11 -  Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to Clients at their address of record at least quarterly. Clients are urged to carefully compare the account statements received directly from their custodians to any documentation or reports prepared by Anchor Wealth Management Group. Anchor Wealth Management Group is deemed to have limited custody because advisory fees are directly deducted from Client’s accounts by the custodian on behalf of Anchor Wealth Management Group. Anchor Wealth Management Group is also deemed to have limited custody due to its Third- Party Standing Letters of Authorization (“SLOA”). Anchor Wealth Management Group and its qualified custodian meet the following seven (7) conditions in order to avoid maintaining full custody and be subject to the surprise exam requirement: 1. The Client provides an instruction to the qualified custodian, in writing, that includes the Client’s signature, the third party’s name, and either the third party’s address or the third party’s account number at a custodian to which the transfer should be directed. 2. The Client authorizes Anchor Wealth Management Group, in writing, either on the qualified custodian’s form or separately, to direct transfers to the third party either on a specified schedule or from time to time. 3. The Client’s qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the Client’s authorization and provides a transfer of funds notice to the Client promptly after each transfer. 4. The Client has the ability to terminate or change the instruction to the Client’s qualified custodian. 5. Anchor Wealth Management Group has no authority or ability to designate or change the identity of the third party, the address, or any other information about the third party contained in the Client’s instruction. 6. Anchor Wealth Management Group maintains records showing that the third party is not a related party nor located at the same address as Anchor Wealth Management Group. 7. The Client’s qualified custodian sends the Client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction. Item 16: Investment Discretion Discretionary Authority for Trading Anchor Wealth Management Group requires discretionary authority to manage securities accounts on behalf of Clients. Anchor Wealth Management Group has the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Anchor Wealth Management Group discretionary authority stated within the Investment Advisory Agreement. - 12 -  Anchor Wealth Management Group allows Clients to place certain restrictions, as outlined in the Client’s Investment Policy Statement or similar document. These restrictions must be provided to Anchor Wealth Management Group in writing. The Client approves the custodian to be used and the commission rates paid to the custodian. Anchor Wealth Management Group does not receive any portion of the transaction fees or commissions paid by the Client to the custodian. Item 17: Voting Client Securities Proxy Votes Anchor Wealth Management Group does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies is requested, Anchor Wealth Management Group will provide recommendations to the Client. If a conflict of interest exists, it will be disclosed to the Client. If the Client requires assistance or has questions, they can reach out to the investment advisor representatives of the firm at the contact information on the cover page of this document. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided to Clients because Anchor Wealth Management Group does not serve as a custodian for Client funds or securities and Anchor Wealth Management Group does not require prepayment of fees of more than $1,200 per Client and six months or more in advance. Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients Bankruptcy Petitions during the Past Ten Years Anchor Wealth Management Group has no condition that is reasonably likely to impair our ability to meet contractual commitments to our Clients. Anchor Wealth Management Group has not had any bankruptcy petitions in the last ten years. - 13 -  S U P E R V I S E D P E R S O N B R O C H U R E Item 1 Cover Page F O R M A D V P A R T 2 B ® ® Katarzyna A. Marczyk, CFP , CDFA, CRPC “Kasia” Office Address: 120 S. Olive Ave, Suite 400 West Palm Beach, FL 33401 Tel: (561) 228-8688 Fax: (561) 228-8628 Email: Kmarczyk@anchorwealthgroup.com Website: AnchorWealthGroup.com June 4, 2025 This brochure supplement provides information about Katarzyna A. Marczyk and supplements the Anchor Wealth Management Group LLC brochure. You should have received a copy of that brochure. Katarzyna A. Marczyk if you did not receive the brochure or if you have any questions Please contact about the contents of this supplement. A D D I T I O N A L I N F O R M A T I O N A B O U T K A T A R Z Y N A A . M A R C Z Y K ( C R D # 4 9 9 0 1 5 9 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V . - 14 -  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer – Katarzyna A. Marczyk CFP®, CDFA, CRPC® “Kasia” • Item 2 - Educational Background and Business Experience Year of birth: 1978 • Educational Background: Rutgers University; Bachelor of Arts in Economics and English Literature; 2005 Professional Certifications: Kasia Marczyk has earned the following certifications and credentials: ® ) CERTIFIED FINANCIAL PLANNER™ (CFP The CFP® designation is issued by the Certified Financial Planner Board of Standards. Experience prerequisites include a bachelor’s degree and three (3) years of personal financial planning experience. Candidates must also complete a CFP®-board registered program or hold one of these professional licenses: Certified Public Accountant, Chartered Financial Consultant, Chartered Life Underwriter, Chartered Financial Analyst, Attorney’s license, Doctor of Business Administration, or Ph.D. in financial planning, finance, business administration or economics. All candidates must pass a final certification examination. There is a continuing education requirement of thirty (30) CE hours every two (2) years. The CFP® credential can be verified at www.cfp.net. ® (CDFA): Certified Divorce Financial Analysts The CDFA designation is issued by Institute for Divorce Financial Analysts. Experience prerequisites include: Bachelor’s degree with three years of on-the job experience or, if no bachelor’s degree, then five years of relevant experience. Candidates must take an examination on this course’s material and have four hours to complete and pass the examination. All CDFA designation holders are responsible for completing 30 divorce- related hours every two years. The CDFA credential can be verified at https://institutedfa.com/find-a-cdfa . SM ® (CRPC ): two Chartered Retirement Planning Counselor The CRPC designation is issued by the College for Financial Planning. There are no experience or educational prerequisites to register for the designation. Candidates must pass a final designation exam. There is a continuing education requirement of sixteen (16) CE hours every (2) years. The CRPC credential can be verified at www.cffpdesignations.com. • Business Experience: • Anchor Wealth Management Group LLC; Investment Advisor Representative; 06/2024 - Present • Advocate for CFP Board’s Women’s Initiative (WIN); 10/2016 – Present • Anchor Wealth Management Group LLC; Managing Member; 10/2010 - Present • Junior League of the Palm Beaches; Board of Directors; 06/2021 – 06/2024 • J.W. Cole Advisors, Inc.; doing business as Anchor Wealth Management Group; Investment Advisor Representative; 11/2010 -08/2024 J.W. Cole Financial Inc.; doing business as Anchor Wealth Management Group; Registered Representative; 11/2010 - 06/2024 - 15 -  Item 3 - Disciplinary Information A. Kasia Marczyk has never been involved in a criminal or civil action in a domestic, foreign or military court of competent jurisdiction for which she: a. Was convicted of, or pled guilty or nolo contender (“no contest”) to (a) any felony; (b) misdemeanor that involved investments or an investment-related business, fraud, false statement or omissions, wrongful taking of property, bribery, perjury, counterfeiting, or extortion; or (c) a conspiracy to commit any of these offenses; b. Is the named subject of a pending criminal proceeding that involves an investment- related business, fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses; c. Was found to have been involved in a violation of an investment-related statute or regulation; or d. Was the subject of any order, judgement or decree permanently or temporarily enjoining, or otherwise limiting, her from engaging in any investment related activity, or from violating any investment-related statute, rule, or order. B. Kasia Marczyk never had an administrative proceeding before the SEC, any other federal regulatory agency, any state regulatory agency, or any foreign financial regulatory authority in which she: a. Was found to have caused an investment-related business to lose its authorization to do business; or the subject of an order by the agency or authority; b. Was found to have been involved in a violation of an investment-related statute or regulation or was the subject of an order by the agency or authority i. (a)denying, suspending or revoking the authorization of the supervised person to act in an investment-related business; (b) barring or suspending her association with an investment-related business; (c) otherwise significantly limiting her investment-related activities; or (d) imposing a civil money penalty of more than $2,500 on her. C. Kasia Marczyk has never been the subject of a self-regulatory organization (SRO) proceeding in which she: a. lose its Was found to have caused an investment-related business to authorization to do business; or b. Was found to have been involved in a violation of the SRO’s rules and was: (a) barred or suspended from membership or from association with other members, or was expelled from membership; (b) otherwise significantly limited from investment-related activities; or (c) fined more than $2,500. D. Item 4 - Other Business Activities Kasia Marczyk has not been involved in any other hearing or formal adjudication in which a professional attainment, designation, or license of the supervised person was revoked or suspended because of a violation of rules relating to professional conduct. Kasia Marczyk has a financial affiliated business as an independent insurance agent. Approximately 5% of her time is spent on this activity. She will offer Clients insurance reviews and recommend comprehensive strategies . - 16 -  Item 5 - Additional Compensation This practice represents a conflict of interest because it gives an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures and the firm’s fiduciary obligation to place the best interest of the Client first and the Clients are not required to purchase any products.. Item 6 - Supervision Kasia Marczyk receives commissions on the insurance products she sells. She does not receive any performance-based fees and does not receive any additional compensation for performing advisory services other than what is disclosed in Item 5 of Part 2A. Since Kasia Marczyk is the owner and investment adviser representative of Anchor Wealth Management Group and is solely responsible for all supervision and formulation and monitoring of investment advice offered to Clients. She will adhere to the policies and procedures as described in the firm’s Compliance Manual. She can be reached at Kmarczyk@anchorwealthgroup.com or (561) 228-8688. - 17 -