Ark Wealth Management

Ark Wealth Management, LLC 10800 Pecan Park Blvd, Ste 100 Austin, TX 78750 www.arkfinancial.com Form ADV Part 2A Disclosure Brochure June 18, 2026 This Brochure provides information about the qualifications and business practices of Ark Wealth Management, LLC. If you have any questions about its contents, please contact us at (512) 660-5703 or by email at compliance@arkfinancial.com. The information has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Ark Wealth Management, LLC is an SEC Registered Investment Adviser. Registration does not imply any level of skill or training. Additional information about Ark Wealth Management, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. CRD Number: 317264. Ark Wealth Management, LLC │ 10800 Pecan Park Blvd, Suite 100, Austin, TX 78750 Telephone: (512) 660-5703 │ compliance@arkfinancial.com  Item 2: Material Changes We have no material changes since our last brochure dated March 30, 2026. 2 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Item 2: Material Changes .............................................................................................................................. 2 Item 3: Table of Contents Item 4: Advisory Business .............................................................................................................................. 4 Item 5: Fees and Compensation .................................................................................................................... 6 Item 6: Performance-Based Fees and Side-By-Side Management ................................................................ 8 Item 7: Types of Clients ................................................................................................................................. 8 Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss ............................................................. 8 Item 9: Disciplinary Information .................................................................................................................... 9 Item 10: Other Financial Industry Activities and Affiliations .......................................................................... 9 Item 11: Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading ................. 11 Item 12: Brokerage Practices ...................................................................................................................... 11 Item 13: Review of Accounts ....................................................................................................................... 12 Item 14: Client Referrals and Other Compensation .................................................................................... 13 Item 15: Custody ......................................................................................................................................... 14 Item 16: Investment Discretion ................................................................................................................... 14 Item 17: Voting Client Securities ................................................................................................................. 14 Item 18: Financial Information .................................................................................................................... 14 3 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Item 4: Advisory Business Ark Wealth Management, LLC (hereinafter “AWM”) is an investment adviser registered with the Description of Advisory Firm Securities and Exchange Commission. The firm was formed in October 2021 and is owned 100% by Ark Financial Holdings, which is primarily owned by David Bull. Types of Advisory Services AWM offers ongoing portfolio management services based on the individual goals, objectives, time Portfolio Management Services horizon, and risk tolerance of each client. AWM creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following: Investment strategy • • Asset allocation • Risk tolerance • Personal investment policy • Asset selection • Regular portfolio monitoring AWM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. AWM will request discretionary authority from clients to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. AWM seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of AWM’s economic, investment or other financial interests. To meet its fiduciary obligations, AWM attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, AWM’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is AWM’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, including initial public offerings (“IPOs”) and other investment opportunities that might have a limited supply, among its clients on a fair and equitable basis over time. Investment decisions are made according to the established strategy. AWM has pre-approved model portfolios of specific holdings that align with different client objectives and that fulfill the asset allocation defined in the portfolio construction. Trade proposals are generated using industry standard rebalancing and investment management tools and are executed in line with the firm's best execution policy and in a manner that is fair and equitable to all clients. AWM offers consulting services to pension or other employee benefit plans (including but not limited to Pension Consulting Services 401(k) plans). Pension consulting may include, but is not limited to: Identifying investment objectives and restrictions. • 4 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  • Providing guidance on various assets classes and investment options. • Recommending money managers to manage plan assets in ways designed to achieve objectives. • Monitoring performance of money managers and investment options and making recommendations for changes. • Recommending other service providers, such as custodians, administrators, and broker-dealers. • Creating a written pension consulting plan. These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Financial plans and financial planning may include but are not limited to investment planning, life Financial Planning insurance, tax concerns, retirement planning, college planning, and debt/credit planning. With the Ark Academy Program, AWM offers investment advisory services to clients through an Robo-Advisor: Ark Academy Program interactive website, Schwab Intelligence Portfolio. Clients will answer a series of questions and then an algorithm is used to designate the client accounts into one of the models managed by AWM. The algorithm does not manage the client accounts and the algorithm is not responsible for building the model portfolios. AWM designs and manages the model portfolios. AWM generally limits its investment advice to mutual funds, fixed income securities, real estate funds Services Limited to Specific Types of Investments (including REITs), insurance products including annuities, equities, hedge funds, private equity funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, commodities, non-U.S. securities, venture capital funds and private placements. AWM may use other securities as well to help diversify a portfolio when applicable. AWM may direct clients to third-party investment advisers to manage either all or a portion of the client’s Selection of Other Advisers portfolio. Before selecting other advisers for clients, AWM will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where AWM is recommending the adviser to clients. For these types of arrangements, clients will pay AWM a management fee, as discussed in Item 5 of this brochure, with a portion of that management paid to the third-party investment adviser. AWM will also provide clients a copy of the third-party investment advisers ADV Part 2A, 2B, Form CRS and Privacy Notice. AWM offers the same suite of services to all its clients. However, specific client investment strategies and Client Tailored Services and Client Imposed Restrictions their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent AWM from properly servicing the client account, or if the restrictions would require AWM to deviate from its standard suite of services, AWM reserves the right to end the relationship. For the Ark Academy Program, clients may not place restrictions on their accounts. 5 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  A wrap fee program is an investment program where the investor pays one stated fee that includes Wrap Fee Programs management fees, transaction costs, fund expenses, and other administrative fees. AWM does not participate in any wrap fee programs. As of December 31, 2025, AWM has $209,300,000 in discretionary assets under management. Assets under Management Item 5: Fees and Compensation Our current fee schedule for investment assets under management is as follows: Portfolio Management, Pension Consulting Fees, and Ark Academy Program Assets under Management Annual Fee Rate 1.00% $0 - $1,000,000 $1,000,001 - $5,000,000 0.80% $5,000,001 - $10,000,000 0.50% 0.40% $10,000,001 and above The fees for Portfolio Management, Pension Consulting Services, and Ark Academy Program are negotiable and depend upon the needs of the client and complexity of the situation. The maximum fee is 1.80% of the value of assets under management per annum. The final fee schedule is attached as an Exhibit of the Investment Advisory Contract. Fees are paid monthly in arrears and clients may terminate their contracts with thirty days’ written notice. The billing period is determined in the contract between AWM and the client. Because fees are charged in arrears, no refund policy is necessary. Advisory fees are withdrawn directly from the client’s account. In cases where Advisor fees are directly deducted, Advisor is required to obtain client authorization and disclose that the custodian will send statements on at least a quarterly basis to the client wherein Advisor fees are itemized. AWM uses the value of the account as of the last business day of the billing period, after considering deposits and withdrawals, for purposes of determining the market value of the assets upon which the advisory fee is based. Fixed flat fees are also available for pension plans and shown in their respective fee schedules. In addition to the foregoing, clients that opt to participate in AWM’s managed cash management accounts will also be charged fees based on the schedule below. Assets held in these AWM-managed cash management accounts do not increase the amounts of Assets under Management for purposes of determining the annual fee rate as specified above, and the fees assessed for the AWM-managed cash management accounts are independent of the fee scheduled and tier thresholds applicable to other accounts. 6 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Balance of Cash Management Account Annual Fee Rate Any amount 0.25% Financial planning fees are paid via credit card, check, or ACH bank transfer. Financial Planning Fees The negotiated fixed rate for creating client financial plans is up to $100,000. Financial plans are separate Fixed Fees from investment management services, and are charged separately from investment advisory fees on Assets under Management. Fixed financial planning fees are paid 100% in advance, but never more than six months in advance. Clients may terminate the Financial Planning Agreement without penalty, for a full refund of AWM’s fees, within five business days of signing the Financial Planning Agreement. Thereafter, clients may terminate the Financial Planning Agreement generally upon written notice and without refund. Fees are paid monthly in arrears and clients may terminate their contracts with thirty days’ written Selection of Other Advisers Fees notice. The fee schedule will be the same as noted above. The billing period is determined in the contract between AWM and the client. Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual Client Responsibility for Other Fees fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by AWM. Please see Item 12 of this brochure regarding broker-dealers and custodians. AWM collects certain fees in advance and certain fees in arrears, as indicated above. Refunds for fees Prepayment of Fees paid in advance will be returned within fourteen days to the client via check or return deposit back into the client’s account. Fixed fees that are collected in advance will be refunded based on the prorated amount of work completed at the point of termination. AWM has a conflict of interest arising from its common ownership with Ark Insurance Group, LLC ("AIG"). Outside Compensation for the Sale of Securities to Clients This relationship creates a financial incentive for AWM to recommend that clients place insurance business with AIG rather than with unaffiliated insurance providers, regardless of whether doing so is in the client's best interest. Clients should consider this relationship when evaluating any insurance-related recommendation made by AWM. A separate conflict of interest exists because certain supervised persons of AWM are licensed insurance agents and may directly receive commissions when clients purchase insurance policies through them. This creates a personal financial incentive for such supervised persons to recommend insurance products, or 7 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  particular insurance products, based on the compensation generated rather than solely on the client's needs. When recommending the sale of investment products for which AWM receives compensation, AWM will document the conflict of interest in the client file and inform the client of the conflict of interest. The client will not pay a commission and a investment advisory fee for the same product. Clients always have the option to purchase AWM recommended products through other agents that are not affiliated with AWM. Commissions are not AWM’s primary source of compensation. AWM does not accept performance-based fees or other fees based on a share of capital gains or capital appreciation of the assets of a client that are in addition to or otherwise separate from the fees charged Item 6: Performance-Based Fees and Side-By-Side Management on Assets under Management as set forth above. Individuals AWM generally provides advisory services to the following types of clients: Item 7: Types of Clients • • High-Net-Worth Individuals • Business Entities • Charitable Organizations • Pension and Profit-Sharing Plans There is an account minimum of $1 million to open an account with AWM, which may be waived at AWM’s discretion. The account minimum is waived for existing clients of our affiliated family office firm, Ark Family Office, LLC. Item 8: Methods of Analysis, Investment Strategies, & Risk of Loss AWM’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern Methods of Analysis portfolio theory, Quantitative analysis, and Technical analysis. Charting analysis involves the use of patterns in performance charts. AWM uses this technique to search for patterns used to help predict favorable conditions for buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to find favorable conditions for buying and/or selling a security. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. Modern portfolio theory is a theory of investment that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various asset. 8 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Quantitative analysis deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Technical analysis involves the analysis of past market data, primarily price and volume. AWM uses long term trading. Investment Strategies Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Risks of Investing In January 2026, a former client filed a lawsuit against AWM in the United States District Court for the Western District of Texas, Civil Action No. 1:25-CV-02169-RP, alleging breach of fiduciary duty in Item 9: Disciplinary Information connection with an alleged failure to disclose fees and alleged faulty investment advice delivered in 2018. AWM denies the allegations and is vigorously defending the matter. The case is currently pending. Neither AWM nor its representatives are registered as, or have pending applications to become a futures Commission Merchant, Commodity Pool Operator, Commodity Trading Advisor, or an associated person Item 10: Other Financial Industry Activities and Affiliations of the foregoing entities. Relationships Material to this Advisory Business & Possible Conflicts of Interest Ark Financial Holdings is the holdings company that owns 100% of AWM and its affiliated entities, all Ark Financial Holdings noted below as follows: Ark Insurance Group, LLC is an insurance agency affiliated with AWM. Representatives of AWM may offer Ark Insurance Group, LLC clients advice or products from Ark Insurance Group, LLC that may present a conflict of interest due to the financial interest. Currently, if a client is recommended an insurance product, the client will not pay AWM a commission on those insurance products, but Ark Insurance Group, LLC will receive commissions on any policies placed by Ark Insurance Group, LLC. A management fee as described in Item 5 of this brochure will be charged on the total assets of the client’s portfolio, excluding policies placed by Ark Insurance Group, LLC. Ark Family Office, LLC is a business consulting entity affiliated with AWM. Representatives of AWM may Ark Family Office, LLC offer clients advice or products from Ark Family Office, LLC that may present a conflict of interest due to financial interest. Clients will pay fees separate and distinct for services rendered by Ark Family Office, LLC. 9 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Ark Academy, LLC is a business consulting entity affiliated with AWM. Representatives of AWM may offer Ark Academy, LLC clients advice or products from Ark Academy, LLC that may present a conflict of interest due to financial interest. Clients will pay fees separate and distinct for services rendered by Ark Academy, LLC. When a client of Ark Transaction Advisory, LLC completes a sale or acquisition of their business, they Ark Transaction Advisory, LLC often receive a significant amount of money. Ark Transaction Advisory, LLC has a financial incentive to encourage those clients to hire AWM to manage that money. This creates a conflict of interest because this recommendation to use AWM investment advisory services is influenced, at least in part, by the financial benefit received, rather than being based solely on what is best for the client. Further, employees associated with Ark Transaction Advisory, LLC, as disclosed in Item 14, are subject to earn additional compensation for the referral to AWM. Clients of Ark Transaction Advisory, LLC are never required to use AWM for investment management. They are free to choose any investment adviser. If a client does choose to work with AWM, AWM will provide investment advice based on their individual financial situation, goals, and risk tolerance, consistent with the Firm’s fiduciary duty. Representatives of AWM will only offer clients advice or products from Ark Transaction Advisory, LLC if the client has also signed an investment advisory agreement with AWM. Matthew Goff, Chief Investment Officer of AWM, is the owner and manager of GCASCO, LLC. GCASCO, GCASCO, LLC LLC has established and is the manager of Verdis Seed Venture SPV 2024, LLC, a special purpose vehicle organized to invest in certain venture capital transactions. GCASCO, LLC may establish and manage one or more additional special purpose vehicles for similar purposes. Matthew Goff and or AWM may recommend clients to invest in one or more of these special purpose vehicles. Clients should be aware that investment in one of these special purpose vehicles presents a conflict of interest to due Matthew Wayne Goff’s financial incentive to recommend the investment to clients. Ark Wealth Management, LLC always acts in the best interest of the client. Clients are in no way required to utilize or invest in any of these special purpose vehicles, or to utilize the services of any representative of Ark Wealth Management, LLC in connection with such individual's activities outside of Ark Wealth Management, LLC. From time to time, AWM may work with one or more other investment advisory firms to provide wealth Sub-advisory Relationships management services to AWM’s clients. AWM may serve as a sub-advisor to one or more of such other investment advisory firms, and in other cases such other investment advisory firms may serve as sub- advisors to AWM. In any such event, AWM will share fees payable with respect to the applicable client with the other investment advisory firm(s). Any such relationship will be disclosed to the applicable client at the time the sub-advisory relationship begins with respect to such client. AWM does not receive any referral fees or compensation from any referrals to third parties, including but Referral Fees from Third Parties not limited to referrals to AWM’s affiliated entities. As noted above, affiliates of AWM receive compensation for services rendered by such affiliates, which compensation is separate and distinct from the compensation payable to AWM. One or more of AWM’s affiliated entities receive compensation from a third party for referrals made to the third party. Typically, the referral fees payable to AWM’s affiliated entities are based on a percentage of the revenue received by the third party from the referred client. 10 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Referral fees paid to AWM’s affiliated entities may include referral fees from accounting firms, other investment advisory firms, appraisal experts, and other service providers, advisors, and consultants. Item 11: Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading AWM has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Code of Ethics Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. AWM’s Code of Ethics is available free upon request to any client or prospective client. Except as expressly disclosed herein to the contrary (see Relationships Material to this Advisory Business Recommendations Involving Material Financial Interests & Possible Conflicts of Interest), AWM does not recommend that clients buy or sell any security in which a related person to AWM or AWM has a material financial interest. From time to time, representatives of AWM may buy or sell securities for themselves that they also Investing Personal Money in the Same Securities as Clients recommend to clients. This may provide an opportunity for representatives of AWM to buy or sell the same securities before or after recommending the same securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. From time to time, representatives of AWM may buy or sell securities for themselves at or around the Trading Securities At/Around the Same Time as Clients’ Securities same time as clients. This may provide an opportunity for representatives of AWM to buy or sell securities before or after recommending securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest; however, AWM will never engage in trading that operates to the client’s disadvantage if representatives of AWM buy or sell securities at or around the same time as clients. Item 12: Brokerage Practices Broker-dealers will be recommended based on AWM’s duty to seek best execution, which is the Broker Selection and Best Execution obligation to seek execution of securities transactions for a client on the most favorable terms for the client under the circumstances. Clients will not necessarily pay the lowest commission or commission equivalent, and AWM may also consider the market expertise and research access provided by the broker- dealer, including but not limited to access to written research, oral communication with analysts, admittance to research conferences and other resources provided by the brokers that may aid in AWM’s 11 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  research efforts. AWM will never charge a premium or commission on transactions, beyond the actual cost imposed by the broker-dealer. AWM will require clients to custody their account with Schwab Institutional, a division of Charles Schwab & Co., Inc. While AWM has no formal soft dollar program in which soft dollars are used to pay for third party Research and Other Soft Dollar Benefits services, AWM may receive research, products, or other services from custodians and broker-dealers in connection with client securities transactions (“soft dollar benefits”). AWM may enter into soft-dollar arrangements consistent with (and not outside of) the safe harbor contained in Section 28(e) of the Securities Exchange Act of 1934, as amended. There can be no assurance that any particular client will benefit from soft dollar research, whether or not the client’s transactions paid for it, and AWM does not seek to allocate benefits to client accounts proportionate to any soft dollar credits generated by the accounts. AWM benefits by not having to produce or pay for the research, products, or services, and AWM will have an incentive to recommend a broker-dealer based on receiving research or services. Clients should be aware that AWM’s acceptance of soft dollar benefits may result in higher commissions charged to the client. AWM receives no referrals from a broker-dealer or third party in exchange for using that broker-dealer or Brokerage for Client Referrals third party. AWM will require clients to use a specific broker-dealer to execute transactions. Directed Brokerage If AWM buys or sells the same securities on behalf of more than one client, then it may (but would be Aggregated Trades under no obligation to) aggregate or bunch such securities in a single transaction for multiple clients to seek more favorable prices, lower brokerage commissions, or more efficient execution. Trade orders can only be aggregated at each broker-dealer and not combined between broker-dealers. All accounts that participate in the aggregated order will receive the same average price. Individual trades or rebalancing trades of single accounts will not be aggregated. If an aggregated order is only partially filled, the trades will be allocated on a pro-rata basis at that same average price for that trading day (typically the next trade date). Item 13: Review of Accounts All client accounts for AWM’s advisory services provided on an ongoing basis are reviewed at least Advisory Clients annually by Matthew Goff, Chief Investment Officer, regarding clients’ respective investment policies and risk tolerance levels. 12 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  Factors That May Trigger a Non-Periodic Review of Client Accounts Financial Planning Clients Reviews may be triggered by material market, economic or political events, or by changes in client’s financial situations (such as retirement, termination of employment, physical move, or inheritance). AWM may receive compensation from the selected third-party advisers via a fee split, but otherwise does not receive any economic benefit from any other third party for advice rendered to AWM’s clients. As Item 14: Client Referrals and Other Compensation disclosed in Item 10, certain of AWM’s affiliates receive referral fees from third parties with respect to clients referred by such affiliates to the third parties. With respect to Schwab, AWM receives access to Schwab’s institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the adviser’s clients’ assets are maintained in accounts at Schwab Advisor Services. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For AWM client accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab also makes available to AWM other products and services that benefit AWM but may not benefit its clients’ accounts. These benefits may include national, regional or AWM specific educational events organized and/or sponsored by Schwab Advisor Services. Other potential benefits may include occasional business entertainment of personnel of AWM by Schwab Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist AWM in managing and administering clients’ accounts. These include software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts, if applicable), provide research, pricing information and other market data, facilitate payment of AWM’s fees from its clients’ accounts (if applicable), and assist with back-office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of AWM’s accounts. Schwab Advisor Services also makes available to AWM other services intended to help AWM manage and further develop its business enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, human capital consultants, insurance, and marketing. In addition, Schwab may make available, arrange and/or pay vendors for these types of services rendered to AWM by independent third parties. Schwab Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to AWM. AWM is independently owned and operated and not affiliated with Schwab. 13 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026  AWM may, from time to time, compensate non-employees for referrals. Pursuant to Rule 206(4)-1 of the Investment Advisers Act, AWM is required to have a written agreement with such parties with respect to solicitation activities and referral fees. Clients referred pursuant to such arrangements must receive a disclosure document describing the arrangement. AWM compensates such parties for referrals out of management fees received on referred accounts for a specified or indefinite period of time. This does not increase the management fee incurred by the client. Affiliates of AWM, including but not necessarily limited to Ark Family Office, LLC, Ark Academy, LLC, Ark Transaction Advisory, LLC, and Ark Insurance Group, LLC, from time to time pay third parties referral fees with respect to clients referred to such affiliates by such third parties. In certain instances, clients referred to these entities may become clients of AWM. AWM does not have physical custody of client assets. When advisory fees are deducted directly from client accounts at client’s custodian, AWM will be deemed to have limited custody of client’s assets and Item 15: Custody must have written authorization from the client to do so. Clients will receive all account statements and billing invoices that are required in each jurisdiction, and they should carefully review those statements for accuracy. In certain instances, AWM may be deemed to have custody due to its authority to transfer money from a client's account to a third party through a written standing letter of authorization (“SLOA”). For these accounts, AWM would follow guidance provided by the SEC to eliminate the requirement of an annual surprise custody exam. AWM provides discretionary and non-discretionary investment advisory services to clients. The advisory contract established with each client sets forth the discretionary authority for trading. Where investment Item 16: Investment Discretion discretion has been granted, AWM generally manages the client’s account and makes investment decisions without consultation with the client as to when the securities are to be bought or sold for the account, the total amount of the securities to be bought/sold, what securities to buy or sell, or the price per share. AWM will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of Item 17: Voting Client Securities the security. AWM neither requires nor solicits prepayment of more than $1,200 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure. Item 18: Financial Information Neither AWM nor its management has any financial condition that is likely to reasonably impair AWM’s ability to meet contractual commitments to clients. AWM has not been the subject of a bankruptcy petition in the last ten years. 14 14 Page of Ark Wealth Management, LLC Form ADV Part 2A: June 2026