MELONE PRIVATE WEALTH, LLC

Melone Private Wealth, LLC Form ADV Part 2A – Disclosure Brochure Effective: February 11, 2026 This Form ADV 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Melone Private Wealth, LLC (“MPW” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (877) 293 5830. MPW is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information through MPW to assist you in determining whether to retain the Advisor. Additional information about MPW and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311638. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplements"). The Disclosure Brochure provides information about a variety of topics relating to an advisor’s business practices and conflicts of interest. The Brochure Supplements provide information about the Advisory Persons of MPW. For convenience, the Advisor has combined these documents into a single disclosure document. MPW believes that communication and transparency are the foundation of its relationship with Clients and will continually strive to provide you with complete and accurate information at all times. MPW encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. And of course, we always welcome your feedback. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on January 13, 2025: • The Advisor has updated the fee schedule for Investment Advisory Services. For more information, see item 5A. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of MPW. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311638. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (877) 293 5830. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ................................................................................................................................................ 1 Item 2 – Material Changes ...................................................................................................................................... 2 Item 3 – Table of Contents ..................................................................................................................................... 3 Item 4 – Advisory Services..................................................................................................................................... 4 A. Firm Information ..............................................................................................................................................................4 B. Advisory Services Offered ...............................................................................................................................................4 C. Client Account Management ...........................................................................................................................................5 D. Wrap Fee Programs ........................................................................................................................................................6 E. Assets Under Management .............................................................................................................................................6 Item 5 – Fees and Compensation .......................................................................................................................... 6 A. Fees for Advisory Services ..............................................................................................................................................6 B. Fee Billing ........................................................................................................................................................................7 C. Other Fees and Expenses...............................................................................................................................................7 D. Advance Payment of Fees and Termination ...................................................................................................................8 E. Compensation for Sales of Securities .............................................................................................................................8 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 A. Methods of Analysis ........................................................................................................................................................9 B. Risk of Loss .....................................................................................................................................................................9 Item 9 – Disciplinary Information ........................................................................................................................ 10 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 10 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 10 A. Code of Ethics ...............................................................................................................................................................10 B. Personal Trading with Material Interest .........................................................................................................................11 C. Personal Trading in Same Securities as Clients ...........................................................................................................11 D. Personal Trading at Same Time as Client.....................................................................................................................11 Item 12 – Brokerage Practices ............................................................................................................................. 11 A. Recommendation of Custodian[s] .................................................................................................................................11 B. Aggregating and Allocating Trades ...............................................................................................................................12 Item 13 – Review of Accounts.............................................................................................................................. 12 A. Frequency of Reviews ...................................................................................................................................................12 B. Causes for Reviews.......................................................................................................................................................12 C. Review Reports .............................................................................................................................................................12 Item 14 – Client Referrals and Other Compensation ......................................................................................... 12 A. Compensation Received by MPW .................................................................................................................................12 B. Client Referrals from Promoters ....................................................................................................................................13 Item 15 – Custody.................................................................................................................................................. 13 Item 16 – Investment Discretion .......................................................................................................................... 13 Item 17 – Voting Client Securities ....................................................................................................................... 14 Item 18 – Financial Information ........................................................................................................................... 14 Appendix 1 – Wrap Fee Program Brochure ...................................................................................................... 14 Form ADV 2B – Brochure Supplement ............................................................................................................... 21 Privacy Policy ........................................................................................................................................................ 27 Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 3  Item 4 – Advisory Services A. Firm Information Melone Private Wealth, LLC (“MPW” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a limited liability company (“LLC”) under the laws of the State of Michigan. MPW was founded in September 2020. MPW became a registered investment advisor in November 2020. MPW is owned and operated by Louis J. Melone Jr (Managing Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by MPW. B. Advisory Services Offered MPW offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. MPW’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Financial Planning Services Financial planning serves as the foundation of MPW’s services to individuals and families. Client engagements will typically commence with a financial plan to gain a full understanding of the Clients unique situation. Financial planning services may also be included as part of the Advisor’s investment advisory services or provided as a separate service, pursuant to the terms of the agreement with the Client. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Planning may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, distributions, personal savings, education savings, spending, insurance needs and other areas of a Client’s financial situation. MPW may deliver specific planning modules to the Client or a comprehensive plan, based on the needs of the Client. In certain circumstances, MPW may also refer Clients to an accountant, attorney or other specialist, as appropriate for the Client’s unique situation. For certain financial planning engagements, the Advisor will generally provide a written report that contains observations and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Investment Advisory Services MPW provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. MPW works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 4  MPW customizes its investment management services for its Clients. Portfolios are primarily constructed using exchange-traded funds (“ETFs”), open-end mutual funds, closed-end mutual funds, and municipal securities. The Advisor blends active and passive strategies to develop Client portfolios. Investment portfolios are reviewed at least annually in connection with an update to the financial plan or in connection with annual Client meetings. The Advisor may also utilize individual stocks, other fixed income securities, variable annuities and other types of investments, as appropriate, to meet the needs of each particular Client. The Advisor may retain certain legacy investments based on portfolio fit and/or tax considerations. MPW’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. MPW will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. At no time will MPW accept or maintain custody of a Client’s funds or securities. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the terms of the Client investment advisory agreement. Please see Item 12 – Brokerage Practices and Item 15 – Custody. Retirement Plan Accounts – When deemed to be in the Client’s best interest, the Advisor may recommend that a Client rollover its retirement plan account into an account managed by the Advisor. In such instances, the Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by the Advisor. Retirement Plan Advisory Services MPW provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring Investment Supervision and Monitoring (ERISA 3(21)) • Plan Participant Enrollment and Education Tracking • • • Performance Reporting • Ongoing Investment Recommendation and Assistance • ERISA 404(c) Assistance These services are provided by MPW serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of MPW’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging MPW to provide advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – MPW, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives. • Asset Allocation – MPW will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk of each Client. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 5  • Portfolio Construction – MPW will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – MPW will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs MPW will generally include securities transaction fees together with investment advisory fees to provide the Client with a single, bundled fee structure. This combination of fees is typically referred to as a “Wrap Fee Program”. MPW customizes its investment advisory services for Clients. This Wrap Fee Program Brochure is included as Appendix 1 to this Disclosure Brochure solely to discuss the fees and conflicts associated with a bundled fee. Please see Appendix 1, which is always included with this Disclosure Brochure. E. Assets Under Management As of December 31, 2025, MPW manages $313,234,000 in Client assets, $262,203,000 of which are managed on a discretionary basis and $51,031,000 on a non-discretionary basis. The Advisor additionally has assets under advisement totaling approximately $123,000,000 as of December 31, 2025. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client shall sign one or more agreements that detail the responsibilities of MPW and the Client. A. Fees for Advisory Services Financial Planning Services MPW offers project-based financial planning services on an hourly or fixed fee basis. Hourly fees range from $250 to $400 per hour. Fixed fees are negotiated based on the expected number of hours to complete the engagement at the Advisor’s hourly rate, but typically range from $950 to $4,800 per engagement. An estimate for total hours and/or costs will be provided to the Client prior to engaging for these services. MPW also offers ongoing financial planning services based on a negotiated annual fee that typically ranges from $2,000 to $20,000 annually. Fees may be negotiable at the sole discretion of the Advisor, depending on the nature and complexity of the services to be provided. Investment Advisory Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Fees are based on the market value of assets under management at the end of the prior quarter and are based on the following schedule: Assets Under Management Up to $500,000 $500,001-$1,000,000 $1,000,001-$3,000,000 $3,000,001-$5,000,000 $5,000,001-$10,000,000 $10,000,001-$25,000,000 $25,000,001-$50,000,000 $50,000,001-$100,000,000 $100,000,001-and over Annual Rate (%) 1.25% 1.10% 1.00% 0.90% 0.85% 0.75% 0.65% 0.50% 0.30% The investment advisory fee in the first quarter of service is prorated from the inception date of the Client’s account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. Certain Clients may be offered a fixed annual fee or alternative fee methodology. The Client’s fees will take into Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 6  consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by MPW will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuations. Clients may make additions to, and withdrawals from, their account[s] at any time, subject to MPW’s right to terminate an account. Additions may be in cash or securities provided that MPW reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to MPW, subject to the usual and customary securities settlement procedures. However, MPW designs its portfolios as long-term investments and the withdrawal of assets may impair the achievement of a Client’s investment objectives. MPW may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. Retirement Plan Advisory Services Retirement plan advisory fees are based on the scope of services as well as the size and complexity of the Plan. Fees are generally billed as an asset-based fee pursuant to the terms of the retirement plan advisory agreement. Asset-based fees are billed quarterly, in advance of each calendar quarter, based on the market value of assets in the Plan at the end of the prior quarter. Fees range from 0.25% to 0.75% annually. Retirement plan advisory fees may also be offered for a fixed annual fee, billed quarterly in advance at one fourth of the annual fee. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. For certain engagements, retirement plan advisory services may be offered on an hourly basis a rate of up to $400 per hour. B. Fee Billing Financial Planning Services Fees for project-based financial planning services are invoiced up to 50% upon execution of the financial planning agreement with the balance due upon completion of the engagement deliverable[s]. Ongoing financial planning services are typically billed in advance of each calendar quarter or 90-day period from the date of engagement. Certain Clients may have their financial planning fees included with their overall investment advisory fees. Investment Advisory Services Investment advisory fees are typically calculated by the Custodian and deducted from the Client’s account[s]. The Client shall instruct the Custodian to automatically deduct the investment advisory fee from the Client’s account[s] for each billing period and pay the investment advisory fee[s] to the Advisor. The amount due is calculated by applying the quartertly rate (annual rate divided by 4) to the total assets under management with MPW at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients provide written authorization permitting advisory fees to be deducted by MPW directly from their accounts held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than MPW, in connection with investments made on behalf of the Client’s account[s]. MPW generally includes securities transactions costs as part of its overall investment advisory fee. The inclusion of securities transaction fees into a single bundled fee may cost the Client more or less than if paid separately. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure. In addition, all fees paid to MPW for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 7  each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. The Client should review both the fees charged by the fund[s] and the fees charged by MPW to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Financial Planning Services MPW may be partially compensated for its financial planning services in advance. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination of project-based financial planning services, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engagement, the percentage of the engagement scope completed by the Advisor. If applicable, the Advisor will also refund any unearned, prepaid financial planning fees. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Investment Advisory Services MPW is compensated for its investment advisory services in advance of the quarter in which investment advisory services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services MPW is compensated for its services in advance of the quarter in which retirement plan advisory services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the retirement plan advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid retirement plan advisory fees from the effective date of termination to the end of the quarter. The Client’s retirement plan advisory agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities MPW does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Advisory Persons are licensed as independent insurance professionals. Advisory Persons will earn commission- based compensation for selling insurance products, including insurance products sold to Clients. Insurance commissions earned by Advisory Persons are separate and in addition to advisory fees. This practice presents a conflict of interest because persons providing investment advice on behalf of the Advisor who are insurance agents have an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on the Client’s needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through Advisory Persons. Please see Item 10 – Other Financial Industry Activities and Affiliations. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 8  Item 6 – Performance-Based Fees and Side-By-Side Management MPW does not charge performance-based fees for its investment advisory services. The fees charged by MPW are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. MPW does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients MPW offers investment advisory services to individuals, high net worth individuals, families, trusts, estates, businesses and retirement plans. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. MPW generally imposes a minimum relationship size of $500,000, which can be waived at the sole discretion of the Advisor. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis MPW primarily employs fundamental analysis in developing investment strategies for its Clients. Research and analysis from MPW are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. As noted above, MPW generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. MPW will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, MPW may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. MPW will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 9  The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving MPW or its owner. MPW values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311638. Item 10 – Other Financial Industry Activities and Affiliations Insurance Agency Affiliations As noted in Item 5.E, Advisory Persons of MPW also serve as insurance professionals. Implementations of insurance recommendations are separate and apart from an Advisory Person’s role with MPW. As an insurance professional, Advisory Persons will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made the Advisor or its Advisory Persons. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics MPW has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with MPW (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. MPW and its personnel owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of MPW associates to adhere not only to the specific provisions of the Code, but also to the general principles that guide Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 10  the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (877) 293 5830. B. Personal Trading with Material Interest MPW allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. MPW does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. MPW does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients MPW allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a potential conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code, which addresses insider trading (material non-public information controls) and personal securities reporting procedures. When trading for personal accounts, employees of MPW have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by MPW requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While MPW allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will any associated person of MPW, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] MPW does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize MPW to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, MPW does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade- by-trade basis. Where MPW does not exercise discretion over the selection of the Custodian, it may recommend the Custodian[s] to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by MPW. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. MPW will generally recommend that Clients establish their account[s] at LPL Financial, FINRA-registered broker- dealer and member SIPC. LPL Financial will serve as the Client’s “qualified custodian.” MPW maintains an institutional relationship with LPL Financial, whereby the Advisor receives economic benefits. Please see Item 14 below. The following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars – Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. MPW does not participate in soft dollar programs sponsored or offered by any broker-dealer, but does receive economic benefits from LPL Financial. Please see Item 14 below. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 11  2. Brokerage Referrals – MPW does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage – All Clients are serviced on a “directed brokerage basis,” where MPW will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). MPW will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. MPW will execute its transactions through the Custodian. MPW may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Louis J. Melone Jr, the Chief Compliance Officer of MPW. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Clients are offered an annual financial plan, subject to scope of their agreement with the Advisor. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify MPW if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by MPW MPW does not receive securities commissions from product sponsors, broker-dealers or any un-related third party. MPW may refer Clients to various third parties to provide certain financial services necessary to meet the goals of its Clients. Likewise, MPW may receive referrals of new Clients from a third-party. However, MPW and certain Supervised Persons do receive compensation and other economic benefits from LPL Financial as detailed below. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 12  Participation in Institutional Advisor Platform MPW has established institutional relationship with LPL Financial to assist the Advisor in managing Client account[s]. The Advisor receives access to software and related support as part of its relationship with LPL Financial. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a potential conflict of interest since these benefits may influence the Advisor's recommendation of the Custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from LPL Financial: reimbursement to Clients for transfer costs to the platform/custodian; financing services, receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. B. Client Referrals from Promoters If a Client is introduced to the Advisor by either an unaffiliated or affiliated party (herein a “Promoter”), the Advisor compensates that Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor, and shall not result in any additional charge to the Client. Item 15 – Custody MPW is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Item 16 – Investment Discretion MPW generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by MPW. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an Investment Advisory Agreement containing all applicable limitations to such authority. All discretionary trades made by MPW will be in accordance with each Client's investment objectives and goals. For Clients with account[s] established at an Independent Manager, those account[s] will also be managed by those parties on a discretionary basis. Item 17 – Voting Client Securities MPW does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither MPW, nor its management, have any adverse financial situations that would reasonably impair the ability of MPW to meet all obligations to its Clients. Neither MPW, nor any of its advisory persons, has been subject to a bankruptcy or financial compromise. MPW is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 13  Melone Private Wealth, LLC Form ADV Part 2A Appendix 1 (“Wrap Fee Program Brochure”) Effective: February 11, 2026 This Form ADV 2A - Appendix 1 (“Wrap Fee Program Brochure”) provides information about the qualifications and business practices of Melone Private Wealth, LLC (“MPW” or the “Advisor”) when offering services where securities transaction fees are combined with investment advisory fees into single fee (a “Wrap Fee Program”). If you have any questions about the contents of this Wrap Fee Program Brochure, please contact the Advisor at (877) 293 5830. MPW is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Wrap Fee Program Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Wrap Fee Program Brochure provides information through MPW to assist you in determining whether to retain the Advisor. Additional information about MPW and its Advisory Persons are available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 311638. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 14  Item 2 – Material Changes Form ADV 2 – Appendix 1 provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. In particular, this Wrap Fee Program Brochure discusses the wrap fee program sponsored by the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on January 13, 2025: • The Advisor has updated its fee schedule for Investment Advisory Services. For more information, see item 4C. Future Changes From time to time, the Advisor may amend this Wrap Fee Program Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Wrap Fee Program Brochure (along with the complete MPW Disclosure Brochure) or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of MPW. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or firm CRD# 311638. You may also request a copy of this Wrap Brochure at any time, by contacting the Advisor at (877) 293 5830. Item 3 – Table of Contents Item 1 – Cover Page .............................................................................................................................................. 15 Item 2 – Material Changes .................................................................................................................................... 15 Item 3 – Table of Contents ................................................................................................................................... 15 Item 4 – Services Fees and Compensation ........................................................................................................ 16 Item 5 – Account Requirements and Types of Clients ...................................................................................... 17 Item 6 – Portfolio Manager Selection and Evaluation ....................................................................................... 17 Item 7 – Client Information Provided to Portfolio Managers ............................................................................ 19 Item 8 – Client Contact with Portfolio Managers ............................................................................................... 19 Item 9 – Additional Information ........................................................................................................................... 19 Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 15  Item 4 – Services Fees and Compensation A. Advisory Services Melone Private Wealth, LLC (“MPW” or the “Advisor”) provides customized investment advisory services for its Clients. This Wrap Fee Program Brochure is provided as a supplement to MPW’s Form ADV Part 2A (“Disclosure Brochure”). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting MPW as your investment advisor. MPW offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses and retirement plans (each referred to as a “Client”). As part of the investment management fees noted in Item 5 – Fees and Compensation of the Disclosure Brochure, MPW includes normal securities transaction fees as part of the overall investment advisory fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program.” The Advisor sponsors the MPW Wrap Fee Program. The sole purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating to the combination of securities transaction fees into the single “bundled” investment management fee. This Wrap Fee Program Brochure references back to the MPW Disclosure Brochure in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on MPW’s investment philosophy and related services. B. Program Costs Advisory services provided by MPW are offered in a Wrap Fee Program structure whereby normal securities transaction costs are included in the overall investment advisory fee paid to MPW. As the level of trading in a Client’s account[s] may vary from year to year, the annual cost to the Client may be more or less than engaging for advisory services where the transactions costs are borne separately by the Client. The cost of the Wrap Fee Program varies depending on services to be provided to each Client, however, the Client is not charged more if there is higher trading activity in the Client’s account[s]. A Wrap Fee Program structure presents a conflict of interest as the Advisor may have an incentive to limit the number of trades placed in the Client’s account[s]. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. C. Fees Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Fees are based on the market value of assets under management at the end of the prior quarter and are based on the following schedule: Assets Under Management Up to $500,000 $500,001-$1,000,000 $1,000,001-$3,000,000 $3,000,001-$5,000,000 $5,000,001-$10,000,000 $10,000,001-$25,000,000 $25,000,001-$50,000,000 $50,000,001-$100,000,000 $100,000,001-and over Annual Rate (%) 1.25% 1.10% 1.00% 0.90% 0.85% 0.75% 0.65% 0.50% 0.30% The investment advisory fee in the first quarter of service is prorated from the inception date of the Client’s account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. Certain Clients may be offered a fixed annual fee or an alternative fee methodology. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 16  by MPW will be independently valued by the Custodian, as discussed in Item 12 – Brokerage Practices. The Advisor will conduct periodic reviews of the Custodian’s valuations. Clients may make additions to and withdrawals from their account[s] at any time, subject to MPW’s right to terminate an account. Additions may be in cash or securities provided that MPW reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to MPW, subject to the usual and customary securities settlement procedures. However, MPW designs its portfolios as long-term investments and the withdrawal of assets may impair the achievement of a Client’s investment objectives. MPW may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. The Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. As noted above, the Wrap Fee Program includes normal securities trading costs incurred in connection with the discretionary investment management services provided by MPW. Securities transaction fees for Client-directed trades may be charged back to the Client. Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s]. Under this Wrap Fee Program, MPW includes securities transactions costs as part of its overall investment advisory fee. In addition, all fees paid to MPW for investment management services or part of the Wrap Fee Program are separate and distinct from the expenses charged by mutual funds and exchange-traded funds (“ETFs”) to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. The Client may also incur other costs assessed by the Custodian or other parties for account related activity fees, such as wire transfer fees, fees for trades executed away from the Custodian and other fees. The Advisor does not control nor share in these fees. The Client should review both the fees charged by the fund[s] and the fees charged by MPW to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses of the Disclosure Brochure. D. Compensation MPW is the sponsor and portfolio manager of this Wrap Fee Program. MPW receives investment advisory fees paid by Clients for participating in the Wrap Fee Program and pays the Custodian for the costs associated with the normal trading activity in the Client’s account[s]. Item 5 – Account Requirements and Types of Clients MPW offers investment advisory services to individuals, high net worth individuals, families, trusts, estates, businesses and retirement plans. Please see Item 7 – Types of Clients of the Disclosure Brochure for additional information. Item 6 – Portfolio Manager Selection and Evaluation A. Portfolio Manager Selection MPW serves as the sponsor and a portfolio manager for the MPW Wrap Fee Program. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 17  B. Related Persons MPW personnel or affiliates serve as portfolio manager[s] for services under this Wrap Fee Program. MPW only manages this wrap fee program. MPW does not act as portfolio manager for any third-party wrap fee programs. C. Supervised Persons MPW Supervised Persons serve as portfolio managers for the MPW Wrap Fee Program described in this Wrap Fee Program Brochure. Please refer to the Item 4 – Advisory Services and Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss of the Disclosure Brochure for details on the services provided by MPW. For information related to the background of MPW supervised persons, please see Item 9 – Disciplinary Information and Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading of the Disclosure Brochure. Performance-Based Fees MPW does not charge performance-based fees for its investment advisory services. The fees charged by MPW are as described in Item 5 – Fees and Compensation of the Disclosure Brochure and are not based upon the capital appreciation of the funds or securities held by any Client. MPW does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Please see Item 6 – Performance-Based Fees and Side-By-Side Management of the Disclosure Brochure. Methods of Analysis MPW primarily employs fundamental analysis in developing investment strategies for its Clients. Research and analysis from MPW are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. As noted above, MPW generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. MPW will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, MPW may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. MPW will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Each Client engagement will entail a review of the Client’s investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client’s account[s]. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client’s account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Please see Item 8.B. – Risk of Loss of the Disclosure Brochure for details on investment risks. Voting Client Securities MPW does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. MPW will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 18  Item 7 – Client Information Provided to Portfolio Managers Clients participating in the Wrap Fee Program generally grant MPW the authority to discuss certain non-public information with Independent Managers engaged to manage their account[s]. Depending upon the specific arrangement, the Advisor is authorized to disclose various personal information including, without limitation: names, phone numbers, addresses, social security numbers, driver’s license, tax identification numbers and account numbers. MPW may also share certain information related to its Clients’ financial positions and investment objectives in an effort to ensure that the Independent Managers’ investment decisions remain aligned with its Clients’ best interests. This information is communicated on an initial and ongoing basis, or as otherwise necessary to the management of its Clients’ portfolios. Item 8 – Client Contact with Portfolio Managers There are no restrictions on the Client’s ability to contact MPW. Item 9 – Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations Disciplinary Information There are no legal, regulatory or disciplinary events involving MPW or any its management persons. MPW values the trust you place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD # 311638. Other Financial Activities and Affiliations Insurance Agency Affiliations – Advisory Persons of MPW also serve as insurance professionals. Implementations of insurance recommendations are separate and apart from an Advisory Person’s role with MPW. As an insurance professional, Advisory Persons will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made the Advisor or its Advisory Persons. B. Code of Ethics, Review of Accounts, Client Referrals, and Financial Information Code of Ethics MPW has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all Supervised Persons associated with MPW. The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. MPW and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of MPW Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (877) 293 5830. Personal Trading and Conflicts of Interest MPW allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed and mitigated through policies and procedures. As noted above, the Advisor has adopted a Code, which addresses insider trading (material non- public information controls) and personal securities reporting procedures. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. The Advisor may have an interest or position in certain securities, which may also be recommended to Clients. At no time, will MPW or any Supervised Person of MPW, transact in any security to the detriment of any Client. Please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading of the Disclosure Brochure for additional disclosures. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 19  Review of Accounts Securities in Client accounts are monitored on a regular and continuous basis by the Managing Partners of MPW. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Financial planning engagements for ongoing planning support are reviewed at least annually, as per the terms of the financial planning agreement. The Client is encouraged to notify MPW if changes occur in his/her personal financial situation that might adversely affect his/her investment plan. Additional reviews may be triggered by material market, economic or political events. Other Compensation As noted throughout this Disclosure Brochure, Advisory Persons of MPW may also be registered representatives of LPL Financial and/or licensed insurance professionals. For information on the conflicts of interest this presents, and how we address these conflicts, please refer to the Item 10 – Other Financial Industry Activities and Affiliations of the Disclosure Brochure. Participation in Institutional Advisor Platform – MPW has established institutional relationship with LPL Financial to assist the Advisor in managing Client account[s]. The Advisor receives access to software and related support as part of its relationship with LPL Financial. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor’s recommendation of the Custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from LPL Financial: financial start-up support; reimbursement to Clients for transfer costs to the platform/custodian; receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. Client Referrals from Promotors If a Client is introduced to the Advisor by either an unaffiliated or affiliated party (herein a “Promoter”), the Advisor compensates that Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor, and shall not result in any additional charge to the Client. Financial Information Neither MPW, nor its owner, have any adverse financial situations that would reasonably impair the ability of MPW to meet all obligations to its Clients. MPW is not required to deliver a balance sheet along with this Disclosure Brochure, as MPW does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 20  Form ADV Part 2B – Brochure Supplement for Louis J. Melone Jr. Managing Partner Chief Compliance Officer Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Louis J. Melone Jr. (CRD# 2700797) in addition to the information contained in the Melone Private Wealth, LLC (“MPW” or the “Advisor”, CRD# 311638) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the MPW Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (877) 293 5830. Additional information about Mr. Melone Jr. is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2700797. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 21  Item 2 – Educational Background and Business Experience Louis J. Melone Jr., born in 1969, is dedicated to advising Clients of MPW as a Managing Partner and the Chief Compliance Officer. Mr. Melone Jr. earned a Bachelor of Science from Northern Michigan University in 1992. Additional information regarding Mr. Melone Jr.’s employment history is included below. Employment History: Managing Partner and Chief Compliance Officer, Melone Private Wealth, LLC Registered Representative, LPL Financial LLC Managing Partner and Chief Compliance Officer, Budd, Melone & Co. LLC Financial Advisor, Wells Fargo Advisors Financial Network, LLC Financial Advisor, Citigroup Global Markets, Inc. Financial Advisor, Morgan Stanley DW Inc. 11/2020 to Present 06/2017 to 08/2021 06/2017 to 01/2021 05/2009 to 06/2017 08/2001 to 05/2009 12/1995 to 08/2001 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) 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 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. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 22  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Melone. Mr. Melone has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Melone. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Melone. However, the Advisor does encourage you to independently view the background of Mr. Melone on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2700797. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Melone is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Melone’s role with MPW. As an insurance professional, Mr. Melone will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Melone is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Melone or the Advisor. Item 5 – Additional Compensation Mr. Melone has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Melone serves as a Managing Partner and the Chief Compliance Officer and Chief Compliance Officer of MPW. Mr. Melone can be reached at (877) 293-5830. MPW has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of MPW. Further, MPW is subject to regulatory oversight by various agencies. These agencies require registration by MPW and its Supervised Persons. As a registered entity, MPW is subject to examinations by regulators, which may be announced or unannounced. MPW is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 23  Form ADV Part 2B – Brochure Supplement for Branden R. Carney, CFP® Wealth Planner Effective: February 11, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Branden R. Carney, CFP® (CRD# 107774) in addition to the information contained in the Melone Private Wealth, LLC (“MPW” or the “Advisor”, CRD# 311638) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the MPW Disclosure Brochure or this Brochure Supplement, please contact us at 877.293.5830. Additional information about Mr. Carney is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 107774. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 24  Item 2 – Educational Background and Business Experience Branden R. Carney, CFP®, born in 1992, is dedicated to advising Clients of MPW as a Wealth Planner. Mr. Carney earned a Bachelor’s in Finance from Michigan State University in 2016. Additional information regarding Mr. Carney’s employment history is included below. Employment History: Wealth Planner, Melone Private Wealth, LLC Client Relationship Manager, Portfolio Solutions, LLC Client Relationship Manager, Fratarcangeli Wealth Management Insuance Agent, State Farm Insurance Financial Advisor, Plante Moran Student, Michigan State University Summer Intern, Plante Moran 12/2020 to Present 09/2018 to 11/2020 03/2018 to 09/2018 12/2017 to 03/2018 08/2016 to 10/2017 08/2011 to 08/2016 06/2015 to 08/2015 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) 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 87,000 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 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®. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 25  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Carney. Mr. Carney has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Carney. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Carney. However, we do encourage you to independently view the background of Mr. Carney on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 107774. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Carney is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Carney’s role with MPW. As an insurance professional, Mr. Carney will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Carney is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This creates a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Carney or the Advisor. Item 5 – Additional Compensation Mr. Carney has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Carney serves as a Wealth Planner of MPW and is supervised by Louis Melone Jr., the Chief Compliance Officer. Mr. Melone Jr. can be reached at (877) 293-5830. MPW has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of MPW. Further, MPW is subject to regulatory oversight by various agencies. These agencies require registration by MPW and its Supervised Persons. As a registered entity, MPW is subject to examinations by regulators, which may be announced or unannounced. MPW is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 26  Privacy Policy Effective Date: February 11, 2026 Our Commitment to You Melone Private Wealth, LLC (“MPW” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. MPW (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. MPW does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 27  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public, personal information with non-affiliated third parties (such as administrators, broker-dealers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. MPW shares Client information with LPL Financial LLC (“LPL Financial”) due to the oversight LPL Financial has over certain supervised persons of the Advisor. You may also contact us at any time for a copy of the LPL Financial Privacy Policy. No Not Shared Yes Yes No Not Shared Marketing Purposes MPW does not disclose, and does not intend to disclose, personal information with non-afffiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where MPW or the Client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public, personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients MPW does not disclose and does not intend to disclose non-public, personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically, we may revise this 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. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (877) 293 5830. Melone Private Wealth, LLC 3121 University Drive, Suite 180 Auburn Hills, MI 48326 Phone: (877) 293-5830 | Fax: (248) 598-6770 www.meloneprivatewealth.com Page 28