ARWM FORM ADV PART 2A AND 2B

Part 2A of Form ADV: Firm Brochure Form ADV, Part 2A, Item 1 Cover Page ARK ROYAL WEALTH MANAGEMENT LLC MAIN OFFICE 2700 WYCLIFF ROAD, SUITE 360 RALEIGH, NORTH CAROLINA 27607 Tel: (919) 710-8665 www.ark-wealth.com October 5, 2026 FORM ADV PART 2 FIRM BROCHURE This brochure provides information about the qualifications and business practices of Ark Royal Wealth Management LLC. If you have any questions about the contents of this brochure, please contact us at (919) 710-8665. 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. Additional information about Ark Royal Wealth Management LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. The searchable IARD/CRD number for Ark Royal Wealth Management LLC is 175151. Ark Royal Wealth Management LLC is a registered 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. 1  Form ADV, Part 2A, Item 2 Material Changes Since Ark Royal Wealth Management LLC’s last annual update on March 26, 2026, there have been no material changes. Please note, this item only discusses changes we consider material and not all changes made. 2  Form ADV, Part 2A, Item 3 Table of Contents Table of Contents Advisory Business ................................................................................... 4 Fees and Compensation ......................................................................... 5 Performance-Based Fees and Side-By-Side Management .................. 7 Types of Clients ...................................................................................... 7 Methods of Analysis, Investment Strategies and Risk of Loss ........... 7 Disciplinary Information ......................................................................... 9 Other Financial Industry Activities and Affiliations ............................. 9 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ..................................................................................... 9 Brokerage Practices ............................................................................. 10 Review of Accounts ...............................................................................11 Client Referrals and Other Compensation .......................................... 11 Custody ................................................................................................. 11 Investment Discretion........................................................................... 11 Voting Client Securities ........................................................................ 12 Financial Information ............................................................................ 12 Additional Information .......................................................................... 12 Form ADV 2B ......................................................................................... 14 3  Form ADV Part 2A, Item 4 Advisory Business Ark Royal Wealth Management LLC (also referred to as "ARWM") is a registered investment adviser based in Raleigh, North Carolina. Founded in 2015, Ark Royal Wealth Management LLC provides investment advice and portfolio management services on a continuing basis, which may include the review of client investment objectives and goals, recommending asset allocation strategies of managed assets among investment products such as mutual funds, exchange-traded funds, common stocks and bonds, and/or preparing written investment strategies. Our investment advice is tailored to meet our clients’ needs and investment objectives. Ark Royal Wealth Management LLC provides investment advisory and other financial services through its investment adviser representatives ("IAR") to accounts opened with Ark Royal Wealth Management LLC. Managed Accounts are available to individuals, trusts, estates and charitable organizations. ARWM also provides financial planning consulting services including risk assessment/management, investment planning, estate planning, financial organization, or financial decision making/negotiation and retirement planning. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an acceptable form of notification. Ark Royal Wealth Management LLC is owned by Michael H. Palmer, II and Zachary M. Palmer. Ark Royal Wealth Management LLC is registered with the U.S. Securities and Exchange Commission. Ark Royal Wealth Management LLC provides discretionary investment advisory services to some of its clients through various managed account programs. Ark Royal Wealth Management LLC will assist clients in determining the suitability of the Managed Account Programs for the client. The IAR is compensated through a comprehensive single fee and the account may be assessed other charges associated with conducting a brokerage business. The Registrant and its IAR, as appropriate, will be responsible for the following: • Performing due diligence • Recommending strategic asset and style allocations • Providing research on investment product options, as needed • Providing client profile questionnaire • Obtaining investment advisory contract from client(s) • Performing client suitability check on account documentation, reviewing the investment objectives and evaluating the investment vehicle selections • Providing Firm Brochure (this document) 4  The firm has the following Assets Under Management as of December 31, 2025: Discretionary: $169,309,000 Non-Discretionary: $0 Total: $169,309,000 Form ADV, Part 2A, Item 5 Fees and Compensation The following types of fees will be assessed: Asset Management – Fees are charged in advance and are based primarily on asset size and the level of complexity of the services provided. In individual cases, ARWM has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital gains or capital appreciation of the funds or any portion of the funds. Comparable services for lower fees may be available from other sources. Fees for the initial quarter will be prorated based upon the number of calendar days in the calendar quarter that the advisory agreement is in effect. Fees are based on the market value of the assets on the last business day of the previous quarter. Annual fees range from .4% - 1.00% depending on the amount of assets under management (“AUM”) – See chart below. There is a minimum annual fee of $7,500. ARWM will not bill pro-rated fees on cash outflows during a quarter. Consulting services are included in these fees for asset management services with the exception of unique circumstances that may require a separate agreement for financial planning services (description and fees are discussed below). If the situation warrants separate financial planning fees, it will be discussed upfront and a separate agreement will be negotiated. Fee Schedule for Asset Management: Total Account Value Maximum Annual Advisory Fee Up to $2,000,000 1.00% Next $2,000,001 - $5,000,000 0.70% Next $5,000,001 or more 0.40% As authorized in the client agreement, the account custodian withdraws ARWM’s advisory fees directly from the clients’ accounts according to the custodian’s policies, practices, and procedures. The custodian in turn remits these fees to ARWM. The custodial statement includes the amount of any fees paid directly to ARWM to manage the account. Ark Royal Wealth Management LLC also sends quarterly invoices detailing the manner and amount of advisory fees to all clients. You should compare the statement we send to your custodian/broker-dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations. If the account does not contain sufficient funds to pay advisory 5  fees, ARWM has limited authority to sell or redeem securities in sufficient amounts to pay advisory fees. With the exception of IRA accounts, clients may reimburse the account for advisory fees paid to ARWM. Fees are charged in advance on a quarterly basis, meaning that advisory fees for a quarter are charged on the first day of the quarter. Clients may terminate investment advisory services obtained from ARWM, without penalty, upon written notice within five (5) business days after entering into the advisory agreement with ARWM. The client is responsible for any fees and charges incurred by the client from third parties as a result of maintaining the account such as transaction fees for any securities transactions executed and account maintenance or custodial fees. Thereafter, the client may terminate advisory services upon 30 days’ written notice delivered to and received by ARWM. Clients who terminate investment advisory services during a quarter are charged a prorated advisory fee based on the date of ARWM’s receipt of client’s written notice to terminate. Any earned but unpaid fees are immediately due and payable. Financial Planning and Consulting – Financial planning and Consulting services are charged in advance through fixed fee or hourly arrangement as agreed upon between the client and ARWM. There will never be an instance where $500 or more in fees is charged six or more months in advance. Fees are negotiable and vary depending upon the complexity of the client situation and services to be provided. Fixed fees range from $2,000 to $7,500 per project. On occasion ARWM may do financial planning/consulting on an hourly arrangement of $385 per hour. Similar services may be available elsewhere for a lower cost to the client. Seminars – Ark Royal Wealth Management occasionally offers financial planning and/or investment education seminars, often in association with employers and educational institutions. Seminars are provided on a generic basis and do not take into account individual situations and circumstances. These educational services are provided on a cost of attendance basis, ranging from $0 - $100 per participant. Clients who wish to terminate the planning process prior to completion may do so with written notice. Upon receipt of written notification, any earned fee will immediately become due and payable. A client may terminate an advisory agreement without being assessed any fees or expenses within five (5) days of its signing. Additional Fees and Expenses In addition to advisory fees paid to ARWM as explained above, clients may pay custodial service, account maintenance, transaction, and other fees associated with maintaining the account. These fees vary by broker and/or custodian. Clients should ask ARWM for details on transaction fees or other custodial fees specific to their account, as these fees are not included in the annual advisory fee. ARWM does not share any portion of such fees. Additionally, for any mutual funds purchased, the client may pay their proportionate share of the funds’ distribution, internal management, investment advisory and administrative fees. Such fees are not shared with ARWM and are compensation to the fund manager. Clients are urged to read the mutual fund prospectus prior to investing. 6  Mutual fund companies impose internal fees and expenses on clients. These fees are in addition to the costs associated with the investment advisory services as described above. Complete details of such internal expenses are specified and disclosed in each mutual fund company’s prospectus. Clients are strongly advised to review the prospectus(es) prior to investing in such securities. Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees that would not exist if the purchase or sale were made directly with the mutual fund company. Mutual funds held in broker-dealer accounts also charge management fees. These mutual fund management fees may be more or less than the mutual fund management fees charged if the client held the mutual fund directly with the mutual fund company. Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal underwriter, or a distributor without purchasing the services of ARWM or paying the advisory fee on such shares (but subject to any applicable sales charges). Certain mutual funds are offered to the public without a sales charge. In the case of mutual funds offered with a sales charge, the prevailing sales charge (as described in the mutual fund prospectus) may be more or less than the applicable advisory fee. However, clients would not receive ARWM’s assistance in developing an investment strategy, selecting securities, monitoring performance of the account, and making changes as necessary. Please refer to Item 12 “Brokerage Practices” of this brochure for additional information. Form ADV, Part 2A, Item 6 Performance-Based Fees and Side-By-Side Management ARWM does not charge performance-based fees or participate in side-by-side management. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged performance-based fees. Performance-based fees are fees that are based on a share of capital gains or appreciation of the assets of a client. Our fees are calculated as described in Fees and Compensation section above and are not charged on the basis of performance of your advisory account. Form ADV, Part 2A, Item 7 Types of Clients ARWM offers investment advisory services to individuals, trusts, estates, and charitable organizations. In general, a minimum of $500,000 is required to open and maintain an advisory account. At our discretion, we may waive the minimum account size. For example, we may waive the minimum if you appear to have significant potential for increasing your assets under management. We may also combine account values for you and your minor children, joint accounts with your spouse, and other types of related accounts to meet the stated minimum. 7  Form ADV, Part 2A, Item 8 Methods of Analysis, Investment Strategies, and Risk of Loss Methods of Analysis ARWM uses the following methods of analysis in formulating our investment advice and/or managing client assets: ARWM analyzes mutual funds by their historical performance, standard deviation, and correlations with other mutual funds, among other factors. We primarily recommend mutual funds offered by DFA or Vanguard for use in client portfolios. DFA & Vanguard mutual funds follow a passive asset class investment philosophy with low turnover of holdings. ARWM seeks to design portfolios that have a broad exposure to the total stock market both domestically and internationally. Statistical tests are performed on the portfolios and combinations of asset classes to determine a mix that will provide the client with an appropriate risk-return profile. These tests may include, but are not limited to, an analysis of the historical returns of the different asset class combination scenarios to arrive at an appropriate risk-return profile; analysis of portfolio exposure to different segments of the market to ensure broad market exposure; and analysis of risk factors of possible combinations of asset classes to determine appropriate portfolio tilt to one asset class or another. ARWM relies on DFA, an independent, non-affiliated SEC registered investment adviser, for a significant part of its investment research as well as research papers, professional publications, magazines and professional seminars. In addition to traditional investment offerings, ARWM may provide oversight of private investment vehicles and strategies involving complex or non-traditional securities. These strategies may involve higher risk, greater volatility, leverage, short selling, derivatives, or other speculative investment techniques, and are not suitable for all clients. In certain cases, these strategies may include the use of structured positions or derivatives to create synthetic exposures within a portfolio, which may result in economic exposure that differs from the client’s invested capital. Such strategies may be implemented directly or through unaffiliated third-party managers or service providers. The third-party manager is responsible for the implementation and day-to-day management of the strategy, while ARWM remains responsible for determining suitability, monitoring the strategy, and maintaining the client relationship. Engagement in these strategies is subject to additional suitability review, client authorization, and, where applicable, strategy-specific disclosures provided prior to implementation. Investment Strategies ARWM’s methods of analysis and investment strategies incorporate the client’s needs and investment objectives, time horizon, and risk tolerance. ARWM considers the risk tolerance levels determined at the account opening, as well as monitoring risk tolerance on an on-going basis. 8  ARWM's investment advice is based on long-term investment strategies incorporating the principles of Modern Portfolio Theory. Our investment approach is based on the belief that markets are efficient and investors' returns are determined principally by asset allocation decisions and by the investor's behavior (being able to withstand inevitable and unpredictable downturns in the market), not by market timing or stock picking. ARWM focuses on developing diversified portfolios, principally through the use of DFA's passively managed, asset class mutual funds that are available only to institutional investors and approved investment advisers. The following is a more detailed explanation: 1. Modern Portfolio Theory states that by diversification among investments that have a low or negative correlation the risk of a portfolio may be reduced without necessarily sacrificing the expected return. Simply put, the idea is to combine investments that do not move in the same direction so that when some investments lose value others may increase in value. This should lower the volatility, or risk, of a portfolio. 2. Capital Asset Pricing Model identifies two risks, Market Risk and Non-Market Risk. Market Risk is one risk that is rewarded - it is the inherent risk of investing in the market and cannot be diversified away. Non-Market Risk is the risk in a specific company, sector or industry that can be reduced through a well-diversified portfolio. 3. Efficient Markets Hypothesis states that at all times, markets incorporate all information available, and stocks are fairly priced at any given time. Accordingly, stock picking isn't likely to deliver superior returns net of fees. Our strategies and investments may have unique and significant tax implications. Regardless of your account size or other factors, we strongly recommend that you continuously consult with a tax professional prior to and throughout the investing of your assets. Risk of Loss Investing in securities involves risk of loss that clients should be prepared to bear. Although we manage your portfolio with strategies and in a manner consistent with your risk tolerances, there can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of loss. All investments involve the risk of loss, including (among other things) loss of principal, a reduction in earnings (including interest, dividends, and other distributions), and the loss of future earnings. These risks include market risk, interest rate risk, issuer risk, and general economic risk. Regardless of the methods of analysis or strategies suggested for your particular investment goals, you should carefully consider these risks, as they all bear risks. Form ADV, Part 2A, Item 9 Disciplinary Information ARWM or its Principal Executive Officers have not had any reportable disclosable events in the past ten years. 9  Form ADV, Part 2A, Item 10 Other Financial Industry Activities and Affiliations Michael H. Palmer, II does not have any other financial industry activities and/or affiliations. ARWM does not recommend or select other investment advisors for our clients for which we receive compensation, directly or indirectly, from those advisors, nor do we have business relationships with any other investment advisors. Form ADV, Part 2A, Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ARWM’s Code of Ethics includes guidelines for professional standards of conduct for our Associated Persons. Our goal is to protect client interests at all times and to demonstrate our commitment to fiduciary duties of honesty, good faith, and fair dealing. All of ARWM’s Associated Persons are expected to strictly adhere to these guidelines. Persons associated with ARWM are also required to report any violations to the Code of Ethics. Additionally, the firm maintains and enforces written policies reasonably designed to prevent the misuse or dissemination of material, non-public information about our clients or client accounts by persons associated with our firm. ARWM and its employees may buy or sell securities that are also held by clients. It is the expressed policy of the advisor that no person employed by our firm purchase or sell any security prior to the transaction being implemented for an advisory account; therefore, preventing such employees from benefiting from transactions placed on behalf of the advisory clients. The advisor may have an interest or position in a certain security, which may also be recommended to the client. As these situations may present a conflict of interest, the advisor has established the following restrictions in order to ensure its fiduciary responsibilities: 1. A director, officer or employee of the advisor shall not buy or sell a security for their personal portfolio(s) where their decision is substantially derived, in whole or part, by reason of his or her employment, unless the information is also available to the investing public. No owner/employee of ARWM shall prefer their own interest to that of the client. 2. The advisor maintains a list of all securities held by the company and all directors, officers, and employees. These holdings are reviewed on a quarterly basis by the principal of the firm. 3. The advisor requires that all employees must act in accordance with all applicable Federal and State regulations governing registered investment advisors. 4. The advisor will not block personal trades with those of clients to ensure that clients are not at a disadvantage. ARWM’s Code of Ethics is available to you upon request. You may obtain a copy of our Code of Ethics by contacting Michael H. Palmer, II at (919) 710-8665. 10  Form ADV, Part 2A, Item 12 Brokerage Practices In order for ARWM to provide asset management services, we require the brokerage and custodial services of Charles Schwab & Co., Inc., Member FINRA/SIPC (“Schwab”), for which we have an existing relationship. Therefore, ARWM does not participate in directed brokerage. Our relationship with Schwab may include benefits provided to our firm, including research, market information, and administrative services that help our firm manage your account(s). We believe that recommended broker- dealers provide quality execution services for our clients at competitive prices. Price is not the sole factor we consider in evaluating best execution. We also consider the quality of the brokerage services provided by the recommended broker- dealers, including the value of research provided, the firm’s reputation, execution capabilities, commission rates, and responsiveness to our clients and our firm. In recognition of the value of research services and additional brokerage products and services Schwab provides, you may pay higher commissions and/or trading costs than those that may be available elsewhere. ARWM does not have any soft dollar arrangements. ARWM does not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. ARWM does not combine multiple orders for shares of the same securities purchased for advisory accounts we manage (the practice of combining multiple orders for shares of the same securities is commonly referred to as “block trading”). ARWM gives each client individualized services based on the customer’s financial goals and risk tolerance. Based on the differing needs of every client, ARWM does not find that it is common practice for different clients to benefit from the same trades at the exact same time. By not aggregating orders, clients may incur a higher charge than with a firm that does aggregate orders due to larger volume discounts. Form ADV, Part 2A, Item 13 Review of Accounts Accounts are managed on a continuous basis and are reviewed at least quarterly by the Principal Executive Officer of the firm, Michael H. Palmer, II. Trades are reviewed on a daily basis. Confirmations of all buys and sells are sent to the client by the custodian, unless the client opts to suppress confirmations, if available to do so. Statements are provided to the client from the custodian at least quarterly if there is no activity, and monthly if there is activity. In addition, clients may receive a quarterly performance report. IARs may meet with clients as frequently as is agreed or as requested by the client or IAR but will meet with the clients at least annually. Form ADV, Part 2A, Item 14 Client Referrals and Other Compensation ARWM does not compensate any individual or firm for client referrals. In addition, ARWM does not receive compensation for referring clients to other professional service providers. 11  Form ADV, Part 2A, Item 15 Custody Any investment advisor having custody or access to customer funds or securities must comply with certain rules and regulations designed to protect the clients’ assets. Rule 206(4)-2 of the Investment Advisers Act of 1940 details strict requirements governing investment advisors that have “custody” over client securities or funds. ARWM meets the definition of having custody due to the following circumstances: • ARWM directly debits fees from client accounts ARWM does not have physical custody of any client funds and/or securities. Client funds and securities will be held with a bank, broker dealer, or other independent qualified custodian. You will receive account statements from the independent, qualified custodian holding your funds at least quarterly. The account statement from your custodian will indicate the amount of advisory fees deducted from your account(s) each billing cycle. Clients should carefully review statements received from the custodian. ARWM also sends quarterly invoices detailing the manner and amount of advisory fees to all clients. Form ADV, Part 2A, Item 16 Investment Discretion Before Ark Royal Wealth Management LLC can buy or sell securities on your behalf, you must first sign our discretionary management agreement, a limited power of attorney, and/or trading authorization forms. By choosing to do so, you grant the firm discretion over the selection and amount of securities to be purchased or sold for your account(s) without obtaining your consent or approval prior to each transaction. Clients may impose limitations on discretionary authority for investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.), as well as other limitations as expressed by the client. Limitations on discretionary authority are required to be provided to the IAR in writing. Please refer to the “Advisory Business” section of this Brochure for more information on our discretionary management services. Form ADV, Part 2A, Item 17 Voting Client Securities We do not vote proxies on behalf of your advisory accounts. At your request, we may offer you advice regarding corporate actions and the exercise of your proxy voting rights. If you own shares of common stock or mutual funds, you are responsible for exercising your right to vote as a shareholder. 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 any electronic solicitation to vote proxies. 12  Form ADV, Part 2A, Item 18 Financial Information Ark Royal Wealth Management LLC is not required to provide financial information to our clients because we do not require or solicit prepayment of more than $1,200 six or more months in advance. 13  Form ADV, Part 2B, Item 1 Cover Page MICHAEL H. PALMER, II, CFP® 2700 WYCLIFF ROAD, SUITE 3605 RALEIGH, NORTH CAROLINA 27607 Tel: (919) 710-8665 March 26, 2026 FORM ADV PART 2 BROCHURE SUPPLEMENT This brochure supplement provides information about Michael H. Palmer, II that supplements the Ark Royal Wealth Management LLC brochure. You should have received a copy of that brochure. Please contact Michael H. Palmer, II if you did not receive Ark Royal Wealth Management’s brochure or if you have questions about this supplement. Additional information about Michael H. Palmer, II is also available on the SEC’s website at www.adviserinfo.sec.gov. 14  Form ADV, Part 2B, Item 2 Educational Background and Business Experience Michael H. Palmer, II Managing Principal Year of Birth: 1963 Business Background: • Ark Royal Wealth Management LLC, Managing Principal/Chief Compliance Officer, 3/2015 to Present • Woodward Financial Advisors, Inc., Financial Planner/Advisor Representative, 10/2014 – 3/2015; and • Trust Company of The South, Principal, 02/2002 – 10/2014. Educational Background: • University of North Carolina - Charlotte, Attended from 1981 -1984 • University of North Carolina – Chapel Hill, Bachelor of Arts in Economics and Political Science, 1987 Relevant Designations: CERTIFIED FINANCIAL PLANNER ™ Practitioner (CFP®) Mr. Palmer is a CERTIFIED FINANCIAL PLANNER™ professional. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial 15  planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks; • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Form ADV, Part 2B, Item 3 Disciplinary Information Michael H. Palmer, II does not have any reportable disciplinary disclosures. Form ADV, Part 2B, Item 4 Other Business Activities Michael H. Palmer, II does not have any reportable outside business activities. 16  Form ADV, Part 2B, Item 5 Additional Compensation Michael H. Palmer, II does not receive any economic benefit from anyone, who is not a client, for providing advisory services. Form ADV, Part 2B, Item 6 Supervision Ark Royal Wealth Management LLC has written supervisory procedures in place that are reasonably designed to detect and prevent violations of the securities laws, rules, and regulations. Michael H. Palmer, II is Ark Royal Wealth Management’s Chief Compliance Officer. He can be reached at (919) 710-8665. 17  Form ADV, Part 2B, Item 1 Cover Page ZACHARY MICHAEL PALMER, CFP® 2700 WYCLIFF ROAD, SUITE 360 RALEIGH, NORTH CAROLINA 27607 Tel: (919) 710-8665 October 5, 2026 FORM ADV PART 2 BROCHURE SUPPLEMENT This brochure supplement provides information about Zachary Michael Palmer that supplements the Ark Royal Wealth Management LLC brochure. You should have received a copy of that brochure. Please contact Michael H. Palmer, II if you did not receive Ark Royal Wealth Management’s brochure or if you have questions about this supplement. Additional information about Zachary Michael Palmer is also available on the SEC’s website at www.adviserinfo.sec.gov. 18  Form ADV, Part 2B, Item 2 Educational Background and Business Experience Zachary Michael Palmer Wealth Advisor Year of Birth: 1994 Business Background: • Ark Royal Wealth Management LLC, Wealth Advisor, 3/2024 to Present • Modera Wealth Management, LLC, Sr. Planning Associate, 07/2019 to 03/2024 • The Vanguard Group, Inc., Registered Person, 08/2018 – 07/2019 Educational Background: • University of North Carolina – Chapel Hill, Bachelor of Arts in Economics, 2017 Relevant Designations: CERTIFIED FINANCIAL PLANNER ™ Practitioner (CFP®) Mr. Palmer is a CERTIFIED FINANCIAL PLANNER™ professional. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; 19  • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks; • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Form ADV, Part 2B, Item 3 Disciplinary Information Zachary Michael Palmer does not have any reportable disciplinary disclosures. Form ADV, Part 2B, Item 4 Other Business Activities Zachary Michael Palmer does not have any reportable outside business activities. Form ADV, Part 2B, Item 5 Additional Compensation Zachary Michael Palmer does not receive any economic benefit from anyone, who is not a client, for providing advisory services. 20  Form ADV, Part 2B, Item 6 Supervision Ark Royal Wealth Management LLC has written supervisory procedures in place that are reasonably designed to detect and prevent violations of the securities laws, rules, and regulations. Zachary Michael Palmer is supervised by Michael H. Palmer, II, Ark Royal Wealth Management’s Chief Compliance Officer. He can be reached at (919) 710-8665. 21  Form ADV, Part 2B, Item 1 Cover Page NICHOLAS TRAVIS ROSS, CFP® 2700 WYCLIFF ROAD, SUITE 360 RALEIGH, NORTH CAROLINA 27607 Tel: (919) 710-8665 October 5, 2026 FORM ADV PART 2 BROCHURE SUPPLEMENT This brochure supplement provides information about Nicholas Travis Ross that supplements the Ark Royal Wealth Management LLC brochure. You should have received a copy of that brochure. Please contact Michael H. Palmer, II if you did not receive Ark Royal Wealth Management’s brochure or if you have questions about this supplement. Additional information about Nicholas Travis Ross is also available on the SEC’s website at www.adviserinfo.sec.gov. 22  Form ADV, Part 2B, Item 2 Educational Background and Business Experience Nicholas Travis Ross Associate Year of Birth: 2000 Business Background: • Ark Royal Wealth Management LLC, Wealth Advisor, 06/2023 to Present • Ark Royal Wealth Management LLC, Intern, 08/2021 to 06/2023 • Truist, Intern, 5/2022 to 08/2022 • North Carolina State University, Full-time Student, 08/2019 to 05/2023 Educational Background: • North Carolina State University, Bachelor’s degree in Finance, 2023 Relevant Designations: CERTIFIED FINANCIAL PLANNER ™ Practitioner (CFP®) Mr. Ross is a CERTIFIED FINANCIAL PLANNER™ professional. The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios 23  designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks; • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Form ADV, Part 2B, Item 3 Disciplinary Information Nicholas Travis Ross does not have any reportable disciplinary disclosures. Form ADV, Part 2B, Item 4 Other Business Activities Nicholas Travis Ross does not have any reportable outside business activities. Form ADV, Part 2B, Item 5 Additional Compensation Nicholas Travis Ross does not receive any economic benefit from anyone who is not a client, for providing advisory services. Form ADV, Part 2B, Item 6 Supervision 24  Ark Royal Wealth Management LLC has written supervisory procedures in place that are reasonably designed to detect and prevent violations of the securities laws, rules, and regulations. Nicholas Travis Ross is supervised by Michael H. Palmer, II, Ark Royal Wealth Management’s Chief Compliance Officer. He can be reached at (919) 710-8665. 25