BEACON HARBOR WEALTH ADVISORS

Item 1: Cover Page Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 Form ADV Part 2A – Firm Brochure Website: www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 This Brochure provides information about the qualifications and business practices of Beacon Harbor Wealth Advisors, Inc., “Beacon Harbor Wealth”. If you have any questions about the contents of this Brochure, please contact us at (757) 644-4545. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Beacon Harbor Wealth Advisors, Inc. is registered as an investment adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. information about Beacon Harbor Wealth is available on the SEC’s website at Additional www.adviserinfo.sec.gov which can be found using the firm’s identification number 300243. 1  Since the first filing of this Form ADV Part 2A for Beacon Harbor Wealth, dated February 10, 2025, there have been no material changes. Item 2: Material Changes Please note that this section only discusses changes we consider material. 2  Contents Item 1: Cover Page ............................................................................................................................................ 1 Item 3: Table of Contents Item 2: Material Changes .................................................................................................................................. 2 Item 3: Table of Contents .................................................................................................................................. 3 Item 4: Advisory Business .................................................................................................................................. 4 Item 5: Fees and Compensation ........................................................................................................................ 7 Item 6: Performance-Based Fees and Side-By-Side Management ..................................................................... 9 Item 7: Types of Clients ..................................................................................................................................... 9 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ............................................................... 9 Item 9: Disciplinary Information ...................................................................................................................... 12 Item 10: Other Financial Industry Activities and Affiliations ............................................................................ 13 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...................... 13 Item 12: Brokerage Practices ........................................................................................................................... 15 Item 13: Review of Accounts ........................................................................................................................... 18 Item 14: Client Referrals and Other Compensation ......................................................................................... 18 Item 15: Custody ............................................................................................................................................. 19 Item 16: Investment Discretion ....................................................................................................................... 19 Item 17: Voting Client Securities ..................................................................................................................... 20 Item 18: Financial Information ........................................................................................................................ 20 Business Continuity Plan Notice ...................................................................................................................... 21 Privacy Notice .................................................................................................................................................. 22 Form ADV Part 2B – Brochure Supplement ..................................................................................................... 23 Form ADV Part 2B – Brochure Supplement ..................................................................................................... 26 Form ADV Part 2B – Brochure Supplement ..................................................................................................... 28 Form ADV Part 2B – Brochure Supplement ..................................................................................................... 30 Form ADV Part 2B – Brochure Supplement ..................................................................................................... 32 3  Description of Advisory Firm Item 4: Advisory Business Beacon Harbor Wealth Advisors, Inc. is registered as an investment adviser with the U.S. Securities and Exchange Commission. We were founded in December 2018. Jeremy W. Ingram, Co-President, CEO, Chief Investment Officer and Chief Compliance Officer, and George G. MacDonald, Jr., Co-President and CEO are equal principal owners of Beacon Harbor Wealth. As of December 31, 2025, Beacon Harbor Wealth manages $608,304,013 on a discretionary basis and $0.00 on a non-discretionary basis. Types of Advisory Services Investment Management Services We are in the business of managing individually tailored investment portfolios. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation target. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior investment history, as well as family composition and background. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Financial Planning Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. The client always has the right to decide whether or not to act upon our recommendations. If the client elects to act on any of the recommendations, the client always has the right to affect the transactions through anyone of their choosing. In general, the financial plan will address any or all of the following areas of concern. The client and advisor will work together to select the specific areas to cover. These areas may include, but are not limited to, the following: • Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. 4  Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals. • Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts. • College Savings: Includes projecting the amount that will be needed to achieve college or other post- secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate). • Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals. • Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request. • Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal. • Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile. • Investment Analysis: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. 5  • Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. • Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significantly adverse effect on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”). • Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may affect your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Retirement Plan Consulting We offer two advisory services for clients Pension Consulting Services and Employer Sponsored Plan Advisory Services (“ESAS”). We may offer these services as a combination or separately. We offer both services on a non-discretionary basis and are advisory in nature. • Pension Consulting Services: We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment performance monitoring, and/or ongoing consulting. The ultimate decision to act on behalf of the plan shall remain with the plan sponsor or other named fiduciary. We may also assist with participant enrollment meetings and provide investment-related educational seminars to plan participants on such topics as: • Diversification • Asset allocation • Risk tolerance • Time horizon 6  • Employer Sponsored Plan Advisory Services (“ESAS”) covers such topics as: 1. identifying investment objectives and restrictions within an Investment Policy Statement; 2. maintaining compliance with the plan’s Investment Policy Statement; 3. fulfilling continual and periodic fiduciary responsibilities; 4. selecting mutual funds that plan participants can choose as their funding vehicles; 5. monitoring performance of mutual funds and making recommendations for changes; and 6. selecting custodians, administrators and broker-dealers. All plans to which we provide ESAS are regulated under the Employee Retirement Income Securities Act ("ERISA"). We will provide consulting services to the plan fiduciaries as described above. The plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client financial plans and their implementation are dependent upon a client Investment Policy Statement, which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Wrap Fee Programs We do sponsor and participate in a wrap fee program. Please see our Appendix 1 regarding our wrap program information. Item 5: Fees and Compensation Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the investment advisory contract, the investment advisory contract may be terminated by the client within five (5) business days of signing the contract without incurring any advisory fees and without penalty. How we are paid depends on the type of advisory service we are performing. Please review the fee and compensation information below. Investment Management Services Our standard advisory fee is based on the market value of the assets under management and is calculated as follows: Account Value Annual Advisory Fee 1.50% $0 - $500,000 1.25% $500,001 - $1,000,000 1.00% $1,000,001 and Above The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee is a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown 7  in the above chart, resulting in a combined weighted fee. For example, an account valued at $1,500,000 would pay an effective fee of 1.25% with the annual fee of $18,750.00. The quarterly fee is determined by the following calculation: (($500,000 x 1.50%) + ($500,000 x 1.25%) + ($500,000 x 1.00%)) ÷ 4 = $4,687.50. No increase in the annual fee shall be effective without agreement from the client by signing a new agreement or amendment to their current advisory agreement. Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts initiated or terminated during a billing period will be charged a pro-rated fee based on the amount of time remaining in the billing period. An account may be terminated with written notice at least 15 calendar days in advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated basis. Pension Consulting Services Account Value Annual Advisory Fee 0.75% $0 - $1,000,000 0.50% $1,000,001 - $3,000,000 0.35% $3,000,001 - $5,000,000 0.25% $5,000,001 and Above The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee is a fixed fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart. No increase in the annual fee shall be effective without agreement from the client by signing a new agreement or amendment to their current advisory agreement. Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts initiated or terminated during a billing period will be charged a pro-rated fee based on the amount of time remaining in the billing period. An account may be terminated with written notice at least 15 calendar days in advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated basis. Financial Planning Fixed Fee Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $1,000.00 and $50,000.00, depending on the needs of the client and complexity of case. The fee is negotiable. If a fixed fee program is chosen, half of the fee is due at the beginning of process and the remainder is due at completion of work, however, Beacon Harbor Wealth will not bill an amount above $1,200.00 more than 6 months in advance. In the event of early termination, the client will be billed for the hours worked at a rate of $300.00 per hour. If the initial deposit is greater than the amount billed, then the client will be refunded the difference. If the initial deposit is less, then the client will be billed the difference. Financial Planning Hourly Fee Financial Planning fee is an hourly rate of $100.00 per hour for an Associate or $300.00 per hour for a Principal. The fee may be negotiable in certain cases and is due at the completion of the engagement. In the event of early termination by client, any fees for the hours already worked will be due. 8  Other Types of Fees and Expenses You may pay custodial fees, charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), mark- ups and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. These fees are not included within the wrap-fee you are charged by our firm. Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s transactions and determining the reasonableness of their compensation (e.g., commissions). We do not accept compensation for the sale of securities or other investment products including asset-based sales charges or service fees from the sale of mutual funds. We do not offer performance-based fees. Item 6: Performance-Based Fees and Side-By- Side Management We provide financial planning and portfolio management services to individuals, high net-worth individuals, pension and profiting sharing plans, charitable organizations and corporations or other businesses. Item 7: Types of Clients Our minimum account size requirement is $250,000.00. However, Beacon Harbor Wealth may accept clients who may have a smaller account size at their sole discretion. Our primary methods of investment analysis are fundamental, technical, cyclical and charting analysis. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Fundamental analysis involves analyzing individual companies and their industry groups, such as a company’s financial statements, details regarding the company’s product line, the experience, and expertise of the company’s management, and the outlook for the company’s industry. The resulting data is used to measure the true value of the company’s stock compared to the current market value. The risk of fundamental analysis is that information obtained may be incorrect and the analysis may not provide an accurate estimate of earnings, which may be the basis for a stock’s value. If securities prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable performance. Technical analysis involves using chart patterns, momentum, volume, and relative strength in an effort to pick sectors that may outperform market indices. However, there is no assurance of accurate forecasts or that trends will develop in the markets we follow. In the past, there have been periods without discernible trends 9  and similar periods will presumably occur in the future. Even where major trends develop, outside factors like government intervention could potentially shorten them. Furthermore, one limitation of technical analysis is that it requires price movement data, which can translate into price trends sufficient to dictate a market entry or exit decision. In a trendless or erratic market, a technical method may fail to identify trends requiring action. In addition, technical methods may overreact to minor price movements, establishing positions contrary to overall price trends, which may result in losses. Finally, a technical trading method may under perform other trading methods when fundamental factors dominate price moves within a given market. Cyclical analysis is a type of technical analysis that involves evaluating recurring price patterns and trends based upon business cycles. Economic/business cycles may not be predictable and may have many fluctuations between long term expansions and contractions. The lengths of economic cycles may be difficult to predict with accuracy and therefore the risk of cyclical analysis is the difficulty in predicting economic trends and consequently the changing value of securities that would be affected by these changing trends. Charting analysis involves the gathering and processing of price and volume information for a particular security. This price and volume information is analyzed using mathematical equations. The resulting data is then applied to graphing charts, which is used to predict future price movements based on price patterns and trends. Charts may not accurately predict future price movements. Current prices of securities may not reflect all information about the security and day-to-day changes in market prices of securities may follow random patterns and may not be predictable with any reliable degree of accuracy. Passive Investment Management We use a combination of both active and passive investment management. Passive investing involves building portfolios that are comprised of various distinct asset classes. The asset classes are weighted in a manner to achieve a desired relationship between correlation, risk and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build passive portfolios are typically index mutual funds or exchange traded funds. Passive investment management is characterized by low portfolio expenses (i.e. the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities and any other investment or security. Material risks associated with our investment strategies are listed below. 10  Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the success of the issuer’s operations or its financial condition. Strategy Risk: The Adviser’s investment strategies and/or investment techniques may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and micro market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the client’s portfolio. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Under certain market conditions we may be unable to sell or liquidate investments at prices we consider reasonable or favorable or find buyers at any price. Concentration Risk: Certain investment strategies focus on particular asset-classes, industries, sectors or types of investment. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates. Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. Inflation: Inflation may erode the buying-power of your investment portfolio, even if the dollar value of your investments remains the same. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Commercial Paper is, in most cases, an unsecured promissory note that is issued with a maturity of 270 days or less. Being unsecured the risk to the investor is that the issuer may default. Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic environment could have an adverse effect on the price of all stocks. Corporate Bonds are debt securities to borrow money. Generally, issuers pay investors periodic interest and repay the amount borrowed either periodically during the life of the security and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero-coupon bonds, which do not pay current interest, but rather are priced at a discount from their face values and their values accrete over time to face value at 11  maturity. The market prices of debt securities fluctuate depending on such factors as interest rates, credit quality, and maturity. In general, market prices of debt securities decline when interest rates rise and increase when interest rates fall. The longer the time to a bond’s maturity, the greater its interest rate risk. Bank Obligations including bonds and certificates of deposit may be vulnerable to setbacks or panics in the banking industry. Banks and other financial institutions are greatly affected by interest rates and may be adversely affected by downturns in the U.S. and foreign economies or changes in banking regulations. Municipal Bonds are debt obligations generally issued to obtain funds for various public purposes, including the construction of public facilities. Municipal bonds pay a lower rate of return than most other types of bonds. However, because of a municipal bond’s tax-favored status, investors should compare the relative after-tax return to the after-tax return of other bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment risk, inflation risk, market risk, call or redemption risk, credit risk, and liquidity and valuation risk. Options and other derivatives carry many unique risks, including time-sensitivity, and can result in the complete loss of principal. While covered call writing does provide a partial hedge to the stock against which the call is written, the hedge is limited to the amount of cash flow received when writing the option. When selling covered calls, there is a risk the underlying position may be called away at a price lower than the current market price. Exchange Traded Funds prices may vary significantly from the Net Asset Value due to market conditions. Certain Exchange Traded Funds may not track underlying benchmarks as expected. Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. Therefore, the client will incur higher expenses, many of 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; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) 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. The Adviser has no control over the risks taken by the underlying funds in which clients invest. Criminal or Civil Actions Item 9: Disciplinary Information Beacon Harbor Wealth and its management have not been involved in any criminal or civil action. Administrative Enforcement Proceedings Beacon Harbor Wealth and its management have not been involved in administrative enforcement proceedings. 12  Self-Regulatory Organization Enforcement Proceedings Beacon Harbor Wealth and its management have not been involved in legal or disciplinary events that are material to a client’s or prospective client’s evaluation of Beacon Harbor Wealth or the integrity of its management. No Beacon Harbor Wealth employee is registered, or has an application pending to register, as a broker-dealer or a registered representative of a broker-dealer. Item 10: Other Financial Industry Activities and Affiliations No Beacon Harbor Wealth employee is registered, or have an application pending to register, as a futures commission merchant, commodity pool operator or a commodity trading advisor. Associates of Beacon Harbor Wealth are licensed to sell insurance and may engage in product sales with our clients; however, they do not receive additional compensation. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all of our dealings. Beacon Harbor Wealth requires adherence to its Insider Trading Policy, and the CFA Institute's Asset Manager Code of Professional Conduct and Code of Ethics and Standards of Professional Conduct. • Code of Ethics Description This code does not attempt to identify all possible conflicts of interest, and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the Code of Ethics' Principles is outlined below. Integrity - Associated persons shall offer and provide professional services with integrity. • Objectivity - Associated persons shall be objective in providing professional services to clients. • Competence - Associated persons shall provide services to clients competently and maintain the • necessary knowledge and skill to continue to do so in those areas in which they are engaged. Fairness - Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services. 13  • • • Confidentiality - Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law. Professionalism - Associated persons’ conduct in all matter shall reflect credit of the profession. Diligence - Associated persons shall act diligently in providing professional services. We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide a copy of its Code of Ethics to any client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates or any related person is authorized to recommend to a client, or effect a transaction for a client, involving any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm and its “related persons” may buy or sell securities similar to, or different from, those we recommend to clients for their accounts. Our policy is designed to assure that the personal securities transactions, activities and interests of the employees of our firm will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Nonetheless, because the Code of Ethics in some circumstances would permit employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. In an effort to reduce or eliminate certain conflicts of interest involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific reportable securities transactions. Any exceptions or trading pre-clearance must be approved by the firm principal in advance of the transaction in an account, and we maintain the required personal securities transaction records per regulation. Trading Securities at/Around the Same Time as Client’s Securities From time to time, our firm or its “related persons” may buy or sell securities for themselves at or around the same time as clients. We will not trade non-mutual fund securities prior to the same security for clients on the same day. Investment Advice Relating to Retirement Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); 14  • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. In addition, and as required by this rule, we provide information regarding the services that we provide to you, and any material conflicts of interest, in this brochure and in your client agreement. Factors Used to Select Custodians and/or Broker-Dealers Item 12: Brokerage Practices Advisor does not have any affiliation with any custodian we recommend. Specific custodian recommendations are made to the Client based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. In recommending custodians, we have an obligation to seek the “best execution” of transactions in Client accounts. The determinative factor in the analysis of best execution is not the lowest possible commission cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of the custodian’s services. The factors we consider when evaluating a custodian for best execution include, without limitation, the custodian’s: ● Combination of transaction execution services and asset custody services (generally without a separate fee for custody); ● Capability to execute, clear, and settle trades (buy and sell securities for your account); ● Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.); ● Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds (ETFs), etc.); ● Availability of investment research and tools that assist us in making investment decisions ● Quality of services; ● Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices; ● Reputation, financial strength, security and stability; ● Prior service to us and our clients. With this consideration, Beacon Harbor Wealth utilizes Trade-PMR, Inc. (“Trade-PMR”) and Charles Schwab & Co., Inc. (“Schwab”) for brokerage and trade execution services, collectively referred to as “the custodians”. Although Clients may request us to use a custodian of their choosing, we generally recommend that Clients open brokerage accounts with Trade PMR or Schwab. We are not affiliated with either Trade PMR or Schwab. The Client will ultimately make the final decision of the custodian to be used to hold the Client’s investments by signing the selected custodian’s account opening documentation. 15  1. Research and Other Soft-Dollar Benefits Advisor does not have any soft-dollar arrangements with custodians whereby soft-dollar credits, used to purchase products and services, are earned directly in proportion to the amount of commissions paid by a Client. However, as a result of being on their institutional platform, Trade PMR or Schwab may provide us with certain services and products that may benefit us. All such soft dollar benefits are consistent with the safe harbor contained in Section 28(e) of the Securities Exchange Act of 1934, as amended. Trade-PMR clears trades and custodies assets with First Clearing, FINRA member broker-dealers. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC., a non-bank affiliate of Wells Fargo & Company. Trade-PMR acts as an introducing broker dealer on a fully disclosed basis. The custodians are members of SIPC and are unaffiliated registered broker dealers and FINRA members. The brokerage commissions and/or transaction fees charged by the custodians or any other designated broker-dealer are exclusive of and in addition to Beacon Harbor Wealth’s fee. Beacon Harbor Wealth regularly reviews these custodians to seek to ensure that its recommendation is consistent with its fiduciary duty. Factors which Beacon Harbor Wealth considers in recommending the custodians to clients include their respective financial strength, reputation, execution, pricing, research, and service. The commissions and/or transaction fees charged by these brokers may be higher or lower than those charged by other broker-dealers. In addition, Trade PMR provides Beacon Harbor Wealth with access to its institutional trading and custody services, which are typically not available to retail investors. These brokerage services include the execution of securities transactions, research, 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. Additionally, Beacon Harbor Wealth may receive the following benefits from Trade PMR: receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its participants; access to block trading which provides the ability to aggregate securities transactions and then allocates the appropriate shares to client accounts; and access to an electronic communication network for client order entry and account information. Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like us. They provide our Clients and us with access to their institutional brokerage services (trading, custody, reporting and related services), many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our Clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. The benefits received by Beacon Harbor Wealth or its personnel do not depend on the number of brokerage transactions directed to Schwab. As part of its fiduciary duties to Clients, Beacon Harbor Wealth at all times must put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits by Beacon Harbor Wealth or its related persons in and of itself creates a potential conflict of interest and may indirectly influence Beacon Harbor Wealth’s choice of Schwab for custody and brokerage services. This conflict of interest is mitigated as Beacon Harbor Wealth regularly reviews the factors used to select custodians to ensure our recommendation is appropriate. Following is a more detailed description of Schwab’s support services: 1. Services that benefit you. Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client assets. The investment 16  products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our Clients. Schwab’s services described in this paragraph generally benefit you and your account. 2. Services that may not directly benefit you. Schwab also makes available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our Clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our Clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: o provide access to Client account data (such as duplicate trade confirmations and account statements) facilitate trade execution and allocate aggregated trade orders for multiple Client accounts facilitate payment of our fees from our Clients’ accounts o o provide pricing and other market data o o assist with back-office functions, recordkeeping, and Client reporting 3. Services that generally benefit only us. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: o Educational conferences and events o Consulting on technology, compliance, legal, and business needs o Publications and conferences on practice management and business succession 4. Your brokerage and custody costs. For our Clients’ accounts that Schwab maintains, Schwab generally does not charge you separately for custody services but is compensated by charging Beacon Harbor Wealth commissions or other fees on trades that it executes or that settle into your Schwab account. Certain trades (for example, many mutual funds and ETFs) may not incur Schwab commissions or transaction fees. 2. Brokerage for Client Referrals We receive no referrals from a custodian, broker-dealer or third party in exchange for using that custodian, broker-dealer or third party. 3. Clients Directing Which Broker/Dealer/Custodian to Use We do recommend a specific custodian for clients to use, however, clients may custody their assets at a custodian of their choice. Clients may also direct us to use a specific broker-dealer to execute transactions. By allowing clients to choose a specific custodian, we may be unable to achieve most favorable execution of client transaction and this may cost clients’ money over using a lower-cost custodian. Aggregating (Block) Trading for Multiple Client Accounts Generally, we combine multiple orders for shares of the same securities purchased for advisory accounts we manage (this practice is commonly referred to as “block trading”). We will then distribute a portion of the shares to participating accounts in a fair and equitable manner. The distribution of the shares purchased is typically proportionate to the size of the account, but it is not based on account performance or the amount or structure of management fees. Subject to our discretion, regarding particular circumstances and market 17  conditions, when we combine orders, each participating account pays an average price per share for all transactions and pays a proportionate share of all transaction costs. Accounts owned by our firm or persons associated with our firm may participate in block trading with your accounts; however, they will not be given preferential treatment. Item 13: Review of Accounts Client accounts with the Investment Management Service will be reviewed regularly on a quarterly basis by Jeremy W. Ingram, Co-President, CEO, Chief Investment Officer and CCO or George G. MacDonald, Jr., Co- President and CEO. The account is reviewed with regards to the client’s investment policies and risk tolerance levels. Events that may trigger a special review would be unusual performance, addition or deletions of client- imposed restrictions, excessive draw-down, volatility in performance, or buy and sell decisions from the firm or per client’s needs. Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in the accounts, such as receipt of dividends and interest. Beacon Harbor Wealth will provide written reports to investment management clients on a quarterly basis. We urge clients to compare these reports against the account statements they receive from their custodian. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Item 14: Client Referrals and Other Compensation As noted in Item 12, Beacon Harbor Wealth will receive additional benefits from the custodians which includes electronic systems that assist in the management of Beacon Harbor Wealth client accounts, access to research, the ability to directly debit client fees, software and other technology 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), pricing information and other market data, assist with back-office functions, recordkeeping and client reporting. Client Referrals from Solicitors Pursuant to SEC Regulation Section 275.206.4-1, and applicable state laws, we have entered into “promoter arrangements” with other registered investment advisers. At the time of promotion, the prospective client is given full disclosure of the arrangement and the nature of the relationship between us and the other investment adviser. 18  Item 15: Custody Beacon Harbor Wealth does not accept custody of client funds; however, it is deemed to have limited custody solely with its ability to withdraw fees from clients’ accounts. Clients should receive at least quarterly statements from the broker dealer, bank or other qualified custodian that holds and maintains client’s investment assets. On occasion, we will accept third-party checks made payable to our clients to be forwarded to the custodian. Due to this policy, we are deemed to have custody over these funds and undergo an annual surprise examination by an independent public accountant to verify these funds are deposited with the custodian. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Standing Letters of Authorization: Beacon Harbor Wealth does maintain a standing letter of authorization (SLOA) where the funds or securities are being sent to a third party, and the following conditions are met: a. 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. b. The client authorizes Beacon Harbor Wealth, 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. c. 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. d. The client has the ability to terminate or change the instruction to the client’s qualified custodian. e. Beacon Harbor Wealth 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. f. The client’s qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction. g. Beacon Harbor Wealth maintains records showing that the third party is not a related party of Beacon Harbor Wealth or located at the same address as Beacon Harbor Wealth. Item 16: Investment Discretion For those client accounts where we provide investment management services, we maintain discretion over client accounts with respect to securities to be bought and sold and the amount of securities to be bought and sold. Investment discretion is explained to clients in detail when an advisory relationship has commenced. At the start of the advisory relationship, the client will execute a Limited Power of Attorney, which will grant our firm discretion over the account. Additionally, the discretionary relationship will be outlined in the advisory contract and signed by the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. 19  Item 17: Voting Client Securities We do not vote client proxies. Therefore, clients maintain exclusive responsibility for: (1) voting proxies, and (2) acting on corporate actions pertaining to the client’s investment assets. The client shall instruct the client’s qualified custodian to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. If the client would like our opinion on a particular proxy vote, they may contact us at the number listed on the cover of this brochure. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. Item 18: Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. We do not require or solicit prepayment of more than $1,200 in fees per client six months in advance. 20  General Business Continuity Plan Notice Beacon Harbor Wealth has a Business Continuity Plan in place that provides detailed steps to mitigate and recover from the loss of office space, communications, services or key people. Disasters The Business Continuity Plan covers natural disasters such as snowstorms, hurricanes, tornados, and flooding. The Plan covers man-made disasters such as loss of electrical power, loss of water pressure, fire, bomb threat, nuclear emergency, chemical event, biological event, communications line outage, Internet outage, railway accident and aircraft accident. Electronic files are backed up daily and archived offsite. Alternate Offices Alternate offices are identified to support ongoing operations in the event the main office is unavailable. It is our intention to contact all clients within five days of a disaster that dictates moving our office to an alternate location. Loss of Key Personnel Beacon Harbor Wealth utilizes a “team approach” to working with clients, so generally a client will have a relationship with more than just one Beacon Harbor Wealth employee. This has been purposely done in order to provide redundancies in the event that a key employee is not available, and we consider this to be a best practice. In the event of a death or permanent disability to a key employee, various insurance policies have been purchased to provide an economic benefit to Beacon Harbor Wealth This includes buy-sell insurance for the firm principals, key-man insurance and disability buy-out insurance. We are happy to discuss these insurance policies, and the rationale behind them, with clients so they understand the safeguards that have been put in place. 21  WHAT DOES BEACON HARBOR WEALTH ADVISORS, INC. DO WITH YOUR PERSONAL INFORMATION? Privacy Notice FACTS Why? Registered investment advisers choose how they share your personal information. Federal law gives clients the right to limit some but not all sharing. Federal law also requires us to tell you h o w we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect, and share depend on the product or service you have with us. This information can include:  Information you provide in the subscription documents and other forms (including name, address, social security number, date of birth, income and other financial- related information); and  Data about your transactions with us (such as the types of investments you have made and your account status). How? All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Beacon Harbor Wealth Advisors, Inc. chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes— to process your transactions, maintain your accounts (for example we may share with our third-party service providers that perform services on our behalf or on your behalf, such as accountants, attorneys, consultants, clearing and custodial firms, and technology companies, respond to court orders and legal investigations, or report to credit bureaus. For Marketing purposes— to offer our products and services to you How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural and electronic safeguards. These include computer safeguards such as passwords, secured files and buildings. Our employees are advised about Beacon Harbor Wealth’s need to respect the confidentiality of each client’s non- public personal information. We train our employees on their responsibilities. We require third parties that assist in providing our services to you to protect the personal information they receive. This includes contractual language in our third-party agreements. Other important information We will send you notice of our Privacy Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise our Privacy Policy and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. 22  Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 For Form ADV Part 2B – Brochure Supplement Jeremy W. Ingram, CFA Co-President, CEO, Chief Investment Officer and Chief Compliance Officer This brochure supplement provides information about Jeremy W. Ingram that supplements the Beacon Harbor Wealth Advisors, Inc. (“Beacon Harbor Wealth”) brochure. A copy of that brochure precedes this supplement. Please contact Jeremy W. Ingram if the Beacon Harbor Wealth brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Jeremy W. Ingram is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 4281667. 23  Item 2: Educational Background and Business Jeremy W. Ingram, CFA Experience Born: 1973 Educational Background • 1995 – Bachelor of Arts, Economics and Business, Virginia Military Institute • 1999 – Master of Business Administration, Regent University Business Experience • 02/2019 – Present, Beacon Harbor Wealth Advisors, Inc., Co-President, CEO, Chief Investment Officer and CCO • 09/2007 – 05/2019, Wells Fargo Advisors, Managing Director, PIM Portfolio Manager • 09/2000 – 09/2007, Merrill Lynch, Financial Advisor Professional Designations, Licensing & Exams Chartered Financial Analyst (CFA): The CFA Program is a graduate-level self-study program that combines a broad-based curriculum of investment principles with professional conduct requirements. It is designed to prepare charterholders for a wide range of investment specialties that apply in every market all over the world. To earn a CFA charter, applicants study for three exams (Levels I, II, III) using an assigned curriculum. Upon passing all three exams and meeting the professional and ethical requirements, they are awarded a charter. No management person at Beacon Harbor Wealth has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Jeremy W. Ingram is licensed to sell insurance and may engage in product sales with our clients however he does not receive additional compensation. Item 4: Other Business Activities Jeremy W. Ingram does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Beacon Harbor Wealth. Item 5: Additional Compensation Item 6: Supervision 24  Jeremy W. Ingram, as Co-President, CEO, Chief Investment Officer and Chief Compliance Officer of Beacon Harbor Wealth, is responsible for supervision. He may be contacted at the phone number on this brochure supplement. 25  Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 For Form ADV Part 2B – Brochure Supplement George G. MacDonald, Jr. Co-President and CEO This brochure supplement provides information about George G. MacDonald, Jr. that supplements the Beacon Harbor Wealth Advisors, Inc. (“Beacon Harbor Wealth”) brochure. A copy of that brochure precedes this supplement. Please contact Jeremy W. Ingram if the Beacon Harbor Wealth brochure is not included with this supplement or if you have any questions about the contents of this supplement. information about George G. MacDonald, Jr. is available on the SEC’s website at Additional www.adviserinfo.sec.gov which can be found using the identification number 1676680. 26  Item 2: Educational Background and Business George G. MacDonald, Jr. Experience Born: 1961 Educational Background • 1984 – Bachelor of Arts, University of South Carolina Business Experience • 02/2019 – Present, Beacon Harbor Wealth Advisors, Inc., Co-President and CEO • 09/2007 – 05/2019, Wells Fargo Advisors, Managing Director • 10/1997 – 09/2007, Merrill Lynch, Financial Advisor No management person at Beacon Harbor Wealth has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information George G. MacDonald, Jr. is not involved in other business activities. Item 4: Other Business Activities George G. MacDonald, Jr. does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Beacon Harbor Wealth. Item 5: Additional Compensation Jeremy W. Ingram, as Co-President, CEO, Chief Investment Officer and Chief Compliance Officer of Beacon Harbor Wealth, is responsible for supervision. He may be contacted at the phone number on this brochure supplement. Item 6: Supervision 27  Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 For Form ADV Part 2B – Brochure Supplement Maury A. Stone, Jr. Senior Wealth Advisor This brochure supplement provides information about Maury A. Stone, Jr. that supplements the Beacon Harbor Wealth Advisors, Inc. (“Beacon Harbor Wealth”) brochure. A copy of that brochure precedes this supplement. Please contact Jeremy W. Ingram if the Beacon Harbor Wealth brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Maury A. Stone, Jr. is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 6325445. 28  Item 2: Educational Background and Business Maury A. Stone, Jr. Experience Born: 1982 Educational Background • 2005 – Bachelor of Science, Virginia Military Institute, Lexington, Virginia • 2010 – Master of Business Administration, Old Dominion University, Norfolk, Virginia Business Experience • 01/2024 – Present, Beacon Harbor Wealth Advisors, Inc., Senior Wealth Advisor • 03/2019 – 01/2024, Beacon Harbor Wealth Advisors, Inc., Wealth Advisor • 11/2016 – 05/2019, Wells Fargo Advisors, Registered Representative • 08/2014 – 11/2016, Wells Fargo Advisors, LLC, Registered Representative No management person at Beacon Harbor Wealth has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Maury A. Stone, Jr. is licensed to sell insurance and may engage in product sales with our clients, however he does not receive additional compensation. Item 4: Other Business Activities Maury A. Stone, Jr. does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Beacon Harbor Wealth. Item 5: Additional Compensation Item 6: Supervision Jeremy W. Ingram, as Co-President, CEO, Chief Investment Officer and Chief Compliance Officer of Beacon Harbor Wealth, is responsible for supervision. He may be contacted at the phone number on this brochure supplement. 29  Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 For Form ADV Part 2B – Brochure Supplement Connor A. Parker Wealth Advisor This brochure supplement provides information about Connor Parker that supplements the Beacon Harbor Wealth Advisors, Inc. (“Beacon Harbor Wealth”) brochure. A copy of that brochure precedes this supplement. Please contact Jeremy W. Ingram if the Beacon Harbor Wealth brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Connor Parker is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 6715822. 30  Item 2: Educational Background and Business Connor A. Parker Born: 1992 Experience Educational Background • 2014 – Associates in Ministry, Wave Leadership College, Virginia Beach, Virginia Business Experience • 09/2024 – Present, Beacon Harbor Wealth Advisors, Inc., Wealth Advisor • 05/2024 – 09/2024, Parker Advisory, LLC, Owner & Investment Advisor Representative • 05/2024 – 09/2024, Parker Insurance, LLC, Managing Member & Insurance Agent • 11/2019 – 09/2024, Parker Financial Group, LLC, President • 10/2016 – 03/2024, AE Wealth Management, LLC, Investment Advisor Representative Professional Designation Retirement Income Certified Professional (RICP®): The Retirement Income Certified Professional is a service provider professional trained to understand how to structure an effective retirement income plan, how to mitigate risks to the plan, and how to create a sustainable stream of income to last throughout a client’s retirement years. More information about the RICP® is available at https://www.theamericancollege.edu/levelup/ricp. No management person at Beacon Harbor Wealth has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Connor Parker is not involved in outside business activities. Item 4: Other Business Activities Connor Parker does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Beacon Harbor Wealth. Item 5: Additional Compensation Jeremy W. Ingram, as Co-President, CEO, Chief Investment Officer and Chief Compliance Officer of Beacon Harbor Wealth, is responsible for supervision. He may be contacted at the phone number on this brochure supplement. Item 6: Supervision 31  Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 For Form ADV Part 2B – Brochure Supplement Connor V. Harris Investment and Financial Planning Analyst This brochure supplement provides information about Connor Harris that supplements the Beacon Harbor Wealth Advisors, Inc. (“Beacon Harbor Wealth”) brochure. A copy of that brochure precedes this supplement. Please contact Jeremy W. Ingram if the Beacon Harbor Wealth brochure is not included with this supplement or if you have any questions about the contents of this supplement. Additional information about Connor Harris is available on the SEC’s website at www.adviserinfo.sec.gov which can be found using the identification number 8110799. 32  Item 2: Educational Background and Business Connor V. Harris Born: 1994 Experience Educational Background • 2017 – Bachelor of Science, Industrial and Systems Engineering, Auburn University, Auburn, AL Business Experience • 04/2025 – Present, Beacon Harbor Wealth Advisors, Inc., Investment and Financial Planning Analyst • 08/2017 – 04/2025, United States Postal Service, Industrial Engineer No management person at Beacon Harbor Wealth has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. Item 3: Disciplinary Information Connor Harris is not involved in outside business activities. Item 4: Other Business Activities Connor Harris does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through Beacon Harbor Wealth. Item 5: Additional Compensation Jeremy W. Ingram, as Co-President, CEO, Chief Investment Officer and Chief Compliance Officer of Beacon Harbor Wealth, is responsible for supervision. He may be contacted at the phone number on this brochure supplement. Item 6: Supervision 33 

Item 1: Cover Page Beacon Harbor Wealth Advisors, Inc. 440 Viking Drive, Suite 200 Virginia Beach, VA 23452 Form ADV Part 2A Appendix 1 – Wrap Fee Program Brochure Website: www.BeaconHarborWealth.com (757) 644-4545 Dated February 18, 2026 This Brochure provides information about the qualifications and business practices of Beacon Harbor Wealth Advisors, Inc., “Beacon Harbor Wealth”. If you have any questions about the contents of this Brochure, please contact us at (757) 644-4545. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Beacon Harbor Wealth Advisors, Inc. is registered as an investment adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. information about Beacon Harbor Wealth is available on the SEC’s website at Additional www.adviserinfo.sec.gov which can be found using the firm’s identification number 300243. 1  Since the first filing of this Wrap Fee Program Brochure for Beacon Harbor Wealth, dated February 10, 2025, there have been no material changes. Item 2: Material Changes Please note that this section refers to changes we consider material. Item 3: Table of Contents Contents Item 1: Cover Page .............................................................................................................................................. 1 Item 2: Material Changes .................................................................................................................................... 2 Item 3: Table of Contents ................................................................................................................................... 2 Item 4: Services, Fees and Compensation ........................................................................................................... 3 Item 5: Account Requirements and Types of Clients .......................................................................................... 4 Item 6: Portfolio Manager Selection and Evaluation .......................................................................................... 5 Item 7: Client Information Provided to Portfolio Manager ................................................................................. 9 Item 8: Client Contact with Portfolio Manager ................................................................................................... 9 Item 9: Additional Information ......................................................................................................................... 10 2  Description of Our Services Item 4: Services, Fees and Compensation We offer wrap fee programs as described in this Wrap Fee Program Brochure. Our wrap fee accounts are managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. Types of Advisory Services We offer the following services: Investment Management Services Our Investment Management Service encompasses asset management as well as providing financial planning/financial consulting to clients. It is designed to assist clients in meeting their financial goals through the use of financial investments. We conduct at least one, but sometimes more than one meeting (in person if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may propose an investment portfolio, consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other securities. Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis and at least quarterly. We may periodically rebalance or adjust client accounts under our management. If the client experiences any significant changes to his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. Investment Management Services Wrap Fee Program Fee Schedule Our standard advisory fee is based on the market value of the assets under management and is calculated as follows: Account Value Annual Advisory Fee 1.50% $0 - $500,000 1.25% $500,001 - $1,000,000 1.00% $1,000,001 and Above The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee is a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart, resulting in a combined weighted fee. For example, an account valued at $1,500,000 would pay an effective fee of 1.25% with the annual fee of $18,750.00. The quarterly fee is determined by the following calculation: (($500,000 x 1.50%) + ($500,000 x 1.25%) + ($500,000 x 1.00%)) ÷ 4 = $4,687.50. No 3  increase in the annual fee shall be effective without agreement from the client by signing a new agreement or amendment to their current advisory agreement. Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts initiated or terminated during a billing period will be charged a pro-rated fee based on the amount of time remaining in the billing period. An account may be terminated with written notice at least 15 calendar days in advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated basis. Additional bundled Service Cost Considerations A wrap fee program allows our clients to pay a specified fee for investment advisory services and the execution of transactions. The advisory services may include portfolio management and the fee is not based directly upon transactions in your account. Your fee is bundled with our costs for executing transactions in your account(s). This results in a higher advisory fee to you. We do not charge our clients higher advisory fees based on their trading activity, but you should be aware that we may have an incentive to limit our trading activities in your account(s) because we are charged for executed trades. By participating in a wrap fee program, you may end up paying more or less than you would through a non-wrap fee program where a lower advisory fee is charged, but trade execution costs are passed directly through to you by the executing broker. Additional Expenses Not Included in the Wrap Program Fee You may pay custodial fees, charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), mark- ups and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. These fees are not included within the wrap-fee you are charged by our firm. Compensation Our investment advisory representatives receive a portion of the advisory fee that you pay us, either directly as a percentage of your overall fee or as their salary from our firm. In cases where our investment advisory representatives are paid a percentage of your overall advisory fee, this may create an incentive to recommend that you participate in a wrap fee program rather than a non-wrap fee program (where you would pay for trade execution costs) or brokerage account where commissions are charged. This is because, in some cases, we may stand to earn more compensation from advisory fees paid to us through a wrap fee program arrangement if your account is not actively traded. We provide financial planning and portfolio management services to individuals, high net-worth individuals, pension and profiting sharing plans, charitable organizations and corporations or other businesses. Item 5: Account Requirements and Types of Clients 4  Our minimum account size requirement is $250,000.00. However, Beacon Harbor Wealth may accept clients who may have a smaller account size at their sole discretion. Outside Portfolio Managers Item 6: Portfolio Manager Selection and Evaluation We do not hire outside Portfolio Managers. Beacon Harbor Wealth Advisors, Inc. Portfolio Managers Our firm and its related person, Jeremy W. Ingram, CFA, act as portfolio manager for the wrap fee program previously described in this Wrap Fee Program Brochure. This may create a conflict of interest in that other investment advisory firms may charge the same or lower fees than our firm for similar services. Our related person portfolio manager is not subject to the same selection and review as outside portfolio managers that participate in the wrap fee program. Advisory Business See Item 4 of this Wrap Fee Program Brochure for information about our wrap fee advisory programs. Individual Tailoring of Advice to Clients individualized investment advice to clients utilizing our Asset Management and We offer Comprehensive Portfolio Management services. Ability of Clients to Impose Restrictions on Investing in Certain Securities or Types of Securities We do allow clients to impose reasonable restrictions on investing in certain securities or types of securities. Participation in Wrap Fee Programs All our accounts are wrap fee accounts and are managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. Performance-based fees and side-by-side management We do not charge performance-based fees. Methods of Analysis, Investment Strategies and Risk of Loss Our primary methods of investment analysis are fundamental, technical, cyclical and charting analysis. Fundamental analysis involves analyzing individual companies and their industry groups, such as a company’s financial statements, details regarding the company’s product line, the experience, and 5  expertise of the company’s management, and the outlook for the company’s industry. The resulting data is used to measure the true value of the company’s stock compared to the current market value. The risk of fundamental analysis is that information obtained may be incorrect and the analysis may not provide an accurate estimate of earnings, which may be the basis for a stock’s value. If securities prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable performance. Technical analysis involves using chart patterns, momentum, volume, and relative strength in an effort to pick sectors that may outperform market indices. However, there is no assurance of accurate forecasts or that trends will develop in the markets we follow. In the past, there have been periods without discernible trends and similar periods will presumably occur in the future. Even where major trends develop, outside factors like government intervention could potentially shorten them. Furthermore, one limitation of technical analysis is that it requires price movement data, which can translate into price trends sufficient to dictate a market entry or exit decision. In a trendless or erratic market, a technical method may fail to identify trends requiring action. In addition, technical methods may overreact to minor price movements, establishing positions contrary to overall price trends, which may result in losses. Finally, a technical trading method may underperform other trading methods when fundamental factors dominate price moves within a given market. Cyclical analysis is a type of technical analysis that involves evaluating recurring price patterns and trends based upon business cycles. Economic/business cycles may not be predictable and may have many fluctuations between long term expansions and contractions. The lengths of economic cycles may be difficult to predict with accuracy and therefore the risk of cyclical analysis is the difficulty in predicting economic trends and consequently the changing value of securities that would be affected by these changing trends. Charting analysis involves the gathering and processing of price and volume information for a particular security. This price and volume information is analyzed using mathematical equations. The resulting data is then applied to graphing charts, which is used to predict future price movements based on price patterns and trends. Charts may not accurately predict future price movements. Current prices of securities may not reflect all information about the security and day-to-day changes in market prices of securities may follow random patterns and may not be predictable with any reliable degree of accuracy. Passive Investment Management We use a combination of both active and passive investment management. Passive investing involves building portfolios that are comprised of various distinct asset classes. The asset classes are weighted in a manner to achieve a desired relationship between correlation, risk and return. Funds that passively capture the returns of the desired asset classes are placed in the portfolio. The funds that are used to build passive portfolios are typically index mutual funds or exchange traded funds. Passive investment management is characterized by low portfolio expenses (i.e. the funds inside the portfolio have low internal costs), minimal trading costs (due to infrequent trading activity), and relative 6  tax efficiency (because the funds inside the portfolio are tax efficient and turnover inside the portfolio is minimal). In contrast, active management involves a single manager or managers who employ some method, strategy or technique to construct a portfolio that is intended to generate returns that are greater than the broader market or a designated benchmark. Material Risks Involved All investing strategies we offer involve risk and may result in a loss of your original investment which you should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities and any other investment or security. Material risks associated with our investment strategies are listed below. Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a general market decline, reducing the value of the investment regardless of the operational success of the issuer’s operations or its financial condition. Strategy Risk: The Adviser’s investment strategies and/or investment techniques may not work as intended. Small and Medium Cap Company Risk: Securities of companies with small and medium market capitalizations are often more volatile and less liquid than investments in larger companies. Small and medium cap companies may face a greater risk of business failure, which could increase the volatility of the client’s portfolio. Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than other strategies. A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s performance. Limited markets: Certain securities may be less liquid (harder to sell or buy) and their prices may at times be more volatile than at other times. Under certain market conditions we may be unable to sell or liquidate investments at prices we consider reasonable or favorable, or find buyers at any price. Concentration Risk: Certain investment strategies focus on particular asset-classes, industries, sectors or types of investment. From time to time these strategies may be subject to greater risks of adverse developments in such areas of focus than a strategy that is more broadly diversified across a wider variety of investments. Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most other investments are also sensitive to the level and direction of interest rates. Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments, or the securities’ claim on the issuer’s assets and finances. 7  Inflation: Inflation may erode the buying-power of your investment portfolio, even if the dollar value of your investments remains the same. Risks Associated with Securities Apart from the general risks outlined above which apply to all types of investments, specific securities may have other risks. Commercial Paper is, in most cases, an unsecured promissory note that is issued with a maturity of 270 days or less. Being unsecured the risk to the investor is that the issuer may default. Common stocks may go up and down in price quite dramatically, and in the event of an issuer’s bankruptcy or restructuring could lose all value. A slower-growth or recessionary economic environment could have an adverse effect on the price of all stocks. Corporate Bonds are debt securities to borrow money. Generally, issuers pay investors periodic interest and repay the amount borrowed either periodically during the life of the security and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero coupon bonds, which do not pay current interest, but rather are priced at a discount from their face values and their values accrete over time to face value at maturity. The market prices of debt securities fluctuate depending on such factors as interest rates, credit quality, and maturity. In general, market prices of debt securities decline when interest rates rise and increase when interest rates fall. The longer the time to a bond’s maturity, the greater its interest rate risk. Bank Obligations including bonds and certificates of deposit may be vulnerable to setbacks or panics in the banking industry. Banks and other financial institutions are greatly affected by interest rates and may be adversely affected by downturns in the U.S. and foreign economies or changes in banking regulations. Municipal Bonds are debt obligations generally issued to obtain funds for various public purposes, including the construction of public facilities. Municipal bonds pay a lower rate of return than most other types of bonds. However, because of a municipal bond’s tax-favored status, investors should compare the relative after-tax return to the after-tax return of other bonds, depending on the investor’s tax bracket. Investing in municipal bonds carries the same general risks as investing in bonds in general. Those risks include interest rate risk, reinvestment risk, inflation risk, market risk, call or redemption risk, credit risk, and liquidity and valuation risk. Options and other derivatives carry many unique risks, including time-sensitivity, and can result in the complete loss of principal. While covered call writing does provide a partial hedge to the stock against which the call is written, the hedge is limited to the amount of cash flow received when writing the option. When selling covered calls, there is a risk the underlying position may be called away at a price lower than the current market price. Exchange Traded Funds prices may vary significantly from the Net Asset Value due to market conditions. Certain Exchange Traded Funds may not track underlying benchmarks as expected. Investment Companies Risk. When a client invests in open end mutual funds or ETFs, the client indirectly bears its proportionate share of any fees and expenses payable directly by those funds. 8  Therefore, the client will incur higher expenses, many of 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; (ii) the ETF may employ an investment strategy that utilizes high leverage ratios; or (iii) 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. The Adviser has no control over the risks taken by the underlying funds in which clients invest. Voting Client Securities We do not vote Client proxies. Therefore, Clients maintain exclusive responsibility for: (1) voting proxies, and (2) acting on corporate actions pertaining to the Client’s investment assets. The Client shall instruct the Client’s qualified custodian to forward to the Client copies of all proxies and shareholder communications relating to the Client’s investment assets. If the client would like our opinion on a particular proxy vote, they may contact us at the number listed on the cover of this brochure. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward you any electronic solicitation to vote proxies. Item 7: Client Information Provided to Portfolio Manager We are required to describe the information about you that we communicate to your portfolio manager(s), and how often or under what circumstances we provide updated information. Our firm communicates with your portfolio manager(s) on a regular basis as needed (daily, weekly, monthly, etc.) to ensure your most current investment goals and objectives are understood by your portfolio manager(s). In most cases, we will communicate such information as part of our regular investment management duties. Nevertheless, we will also communicate information to your portfolio manager(s) when you ask us to, when market or economic conditions make it prudent to do so, etc. Our clients may directly contact their portfolio manager(s) with questions or concerns by calling the number on this Brochure. Item 8: Client Contact with Portfolio Manager 9  Disciplinary Information We have determined that our firm and management have no disciplinary information to disclose. Item 9: Additional Information Other Financial Industry Activities and Affiliations Associates of Beacon Harbor Wealth are licensed to sell insurance and may engage in product sales with our clients however they do not receive additional compensation. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading As a fiduciary, our firm and its associates have a duty of utmost good faith to act solely in the best interests of each client. Our clients entrust us with their funds and personal information, which in turn places a high standard on our conduct and integrity. Our fiduciary duty is a core aspect of our Code of Ethics and represents the expected basis of all of our dealings. Additionally, Beacon Harbor Wealth requires adherence to its Insider Trading Policy, and the CFA Institute's Asset Manager Code of Professional Conduct and Code of Ethics and Standards of Professional Conduct. Code of Ethics Description This code does not attempt to identify all possible conflicts of interest, and literal compliance with each of its specific provisions will not shield associated persons from liability for personal trading or other conduct that violates a fiduciary duty to advisory clients. A summary of the Code of Ethics' Principles is outlined below. • Integrity - Associated persons shall offer and provide professional services with integrity. • Objectivity - Associated persons shall be objective in providing professional services to clients. • Competence - Associated persons shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which they are engaged. • Fairness - Associated persons shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers, and shall disclose conflict(s) of interest in providing such services. • Confidentiality - Associated persons shall not disclose confidential client information without the specific consent of the client unless in response to proper legal process, or as required by law. • Professionalism - Associated persons’ conduct in all matters shall reflect credit of the profession. • Diligence - Associated persons shall act diligently in providing professional services. We periodically review and amend our Code of Ethics to ensure that it remains current, and we require all firm access persons to attest to their understanding of and adherence to the Code of Ethics at least annually. Our firm will provide of copy of its Code of Ethics to any client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflicts of Interest Neither our firm, its associates or any related person is authorized to recommend to a client, or effect a transaction for a client, involving any security in which our firm or a related person has a material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc. 10  Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest Our firm and its “related persons” may buy or sell securities similar to, or different from, those we recommend to clients for their accounts. Our policy is designed to assure that the personal securities transactions, activities and interests of the employees of our firm will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Nonetheless, because the Code of Ethics in some circumstances would permit employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. In an effort to reduce or eliminate certain conflicts of interest involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific reportable securities transactions. Any exceptions or trading pre-clearance must be approved by the firm principal in advance of the transaction in an account, and we maintain the required personal securities transaction records per regulation. Trading Securities at/Around the Same Time as Client’s Securities From time to time, our firm or its “related persons” may buy or sell securities for themselves at or around the same time as clients. We will not trade non-mutual fund securities prior to the same security for clients on the same day. Investment Advice Relating to Retirement Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. In addition, and as required by this rule, we provide information regarding the services that we provide to you, and any material conflicts of interest, in this brochure and in your client agreement. Review of Accounts Client accounts with the Investment Management Service will be reviewed regularly on a quarterly basis by Jeremy W. Ingram, Co-President, CEO, Chief Investment Officer and CCO or George G. MacDonald, Jr., Co- President and CEO. The account is reviewed with regard to the client’s investment policies and risk tolerance levels. Events that may trigger a special review would be unusual performance, addition or deletions of client- imposed restrictions, excessive draw-down, volatility in performance, or buy and sell decisions from the firm or per client's needs. 11  Clients will receive trade confirmations from the broker(s) for each transaction in their accounts as well as monthly or quarterly statements and annual tax reporting statements from their custodian showing all activity in the accounts, such as receipt of dividends and interest. Beacon Harbor Wealth will provide written reports to investment management clients on a quarterly basis. We urge clients to compare these reports against the account statements they receive from their custodian. Our statements or reports may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. Client Referrals Pursuant to SEC Regulation Section 275.206.4-1, and applicable state laws, we have entered into “promoter arrangements” with other registered investment advisers. At the time of promotion, the prospective client is given full disclosure of the arrangement and the nature of the relationship between us and the other investment adviser. Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about our financial condition. We have no financial commitment that impairs our ability to meet contractual and fiduciary commitments to clients, and we have not been the subject of a bankruptcy proceeding. 12