MK3 WEALTH LLC

MK3 Wealth LLC Registered Investment Adviser 1800 Chapel Avenue West, Suite 340 Cherry Hill, NJ 08002 April 2026 This brochure provides information about the qualifications and business practices of MK3 Wealth LLC (“MK3 Wealth”). If you have any questions about the content of this brochure, please contact us at 856-545-0077. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about MK3 Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov. SEC and/or state registration does not imply a certain level of skill or training.  MK3 Wealth LLC (IARD#305760) April 2026 Page 2 Material Changes There have not been any material changes to MK3 Wealth’s advisory services or personnel since the filing of its 2025 ADV Annual Amendment.  MK3 Wealth LLC (IARD#305760) April 2026 Page 3 TABLE OF CONTENTS Item 4. Advisory Business ......................................................................................................... 4 Item 5. Fees and Compensation ................................................................................................ 4 Item 6. Performance Based Fees and Side by Side Management ............................................ 6 Item 7. Types of Clients ............................................................................................................ 6 Item 8. Methods of Analysis, Investment Strategies and Risk of Loss..................................... 6 Item 9. Disciplinary Information .............................................................................................. 7 Item 10. Other Financial Industry Activities and Affiliations ................................................... 8 Item 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...................................................................................................................................... 8 Item 12. Brokerage Practices ..................................................................................................... 9 Item 13. Review of Accounts ....................................................................................................11 Item 14. Client Referrals and Other Compensation ................................................................. 11 Item 15. Custody ....................................................................................................................... 11 Item 16. Investment Discretion ................................................................................................ 11 Item 17. Voting Client Securities ............................................................................................. 12 Item 18. Financial Information ................................................................................................ 12  MK3 Wealth LLC (IARD#305760) April 2026 Page 4 Item 4. Advisory Business MK3 Wealth offers wealth management services to individual and high net worth clients as well as small businesses. The firm prides itself on its investment strategies, client service, and ongoing commitment to bringing innovative solutions to its clients’ financial lives. MK3 Wealth is owned and founded by Matthew S. Montenero. Mr. Montenero has more than twenty years of experience providing investment management and advisory services. MK3 Wealth currently provides investment management services to more than $113 Million in Assets Under Management. These services are provided on a discretionary management basis. This Disclosure Brochure describes the business of MK3 Wealth. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of MK3 Wealth’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on MK3 Wealth’s behalf and is subject to MK3 Wealth’s supervision or control. Financial Planning Services: MK3 Wealth provides its clients with financial planning and consultation services (e.g., review of goals and objectives, analysis and recommendations for cash flow planning, asset allocation/investment planning, income tax planning, insurance planning, estate planning, retirement planning, education planning, real estate/mortgage planning, etc.). A conflict of interest exists to the extent MK3 Wealth’s financial planning recommends the utilization of MK3 Wealth to manage their assets for a fee. In order to address this conflict, the client is under no obligation to act upon the investment adviser's recommendation, and if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. Wealth Management Services: MK3 Wealth provides investment management services primarily on a discretionary basis according to the investment objectives of the client and in accordance with the terms and conditions of the Investment Advisory Agreement between the MK3 Wealth and the client. Based upon the client’s stated investment objectives, MK3 Wealth’s investment management focuses on the use of Portfolio Models in order to provide investment returns consistent with clients’ investment goals and objectives. Based upon a particular Model Portfolio, MK3 Wealth will invest client’s accounts in certain percentages amongst numerous asset classes (e.g. stocks, corporate and government bonds, ETFs, mutual funds) in order to maximize client’s investment returns while achieving lower volatility within pre-determined risk parameters. Item 5. Fees and Compensation MK3 Wealth offers its services on a fee basis, which may include fixed fees, as well as fees based upon assets under management. Additionally, certain of MK3 Wealth’s Supervised Persons, in their individual capacities, may offer insurance products under a commission arrangement. For all services, MK3 Wealth’s annual fee is exclusive of, and in addition to brokerage commissions, transaction fees, and other related costs and expenses which are incurred by the client. MK3 Wealth does not, however, receive any portion of these commissions, fees, and costs.  MK3 Wealth LLC (IARD#305760) April 2026 Page 5 Financial Planning Fees: MK3 Wealth’s financial planning and consulting fees are negotiable, but generally are $400 on an hourly rate basis, and from $1,000 to $25,000 on a fixed fee basis, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s). Prior to engaging MK3 Wealth to provide financial planning or consulting services, clients will be required to enter into a Financial Planning Agreement with MK3 Wealth setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to MK3 Wealth commencing services. Investment Management Fees: MK3 Wealth’s investment management fee schedule (“Advisory Fees”) for accounts managed by MK3 Wealth is based on a percentage of assets (generally net of any debit balances) and is set forth below. The Advisory Fees represent the highest fee that may be charged absent special circumstances: Advisory Assets Annual Fee 0 - $500,000 1.50% 1.25% $500,001 - $1,000,000 1.00% 1,000,001 – 10,000,000 All assets in excess of $10 million 0.75% MK3 Wealth’s Advisory Fees shall also be prorated and paid quarterly, in advance, based upon the market value of the assets on the last business day of the previous quarter. MK3 Wealth’s actual fees may be negotiated, and a client may pay more or less than similar clients depending on the particular circumstances of the client, which may include considerations related to size of the client’s account, additional and/or differing levels of service or as negotiated. Clients that negotiate fees may end up paying a higher fee than that set forth in the fee schedules above as a result of fluctuations in the client’s assets under management and/or account performance. Fees Charged by Custodians MK3 Wealth generally recommends that clients utilize the brokerage and clearing services of Charles Schwab & Co. Inc., member FINRA/SIPC (“Schwab”) for investment management accounts. MK3 Wealth may only implement its investment management recommendations after the client has arranged for and furnished MK3 Wealth with all information and authorization regarding accounts with appropriate Custodians. Clients may incur certain charges imposed by the Custodians and other third parties such as fees charged by Independent Managers , custodial fees, charges imposed directly by a mutual fund or ETF in the account, which are disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Additionally, clients may incur brokerage commissions and transaction fees. Such charges, fees and commissions are exclusive of and in addition to MK3 Wealth’s fee. MK3 Wealth’s Agreement and the separate agreement with any Custodians may authorize MK3 Wealth or Independent Managers to debit the client’s account for the amount of MK3 Wealth’s fee and to directly remit that management fee to MK3 Wealth or the Independent Managers. Any Custodians recommended by MK3 Wealth  MK3 Wealth LLC (IARD#305760) April 2026 Page 6 have agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account including the amount of management fees paid directly to MK3 Wealth. Alternatively, clients may elect to have MK3 Wealth send an invoice for payment. Fees for Management During Partial Quarter Service For the initial period of investment management services, the fees are calculated on a pro rata basis. The Agreement between MK3 Wealth and the client will continue in effect until terminated by either party pursuant to the terms of the Agreement. MK3 Wealth’s fees are charged in advance so that any termination date shall be prorated, and all unearned advisory fees will be returned to the client. Clients may make additions to and withdrawals from their account at any time, subject to MK3 Wealth’s right to terminate an account. Additions may be in cash or securities provided that MK3 Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a client’s account. Clients may withdraw account assets on notice to MK3 Wealth, subject to the usual and customary securities settlement procedures. However, MK3 Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a client’s investment objectives. MK3 Wealth 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. Item 6. Performance-Based Fees and Side-by-Side Management MK3 Wealth does not charge a performance-based fee. Item 7. Types of Clients MK3 Wealth provides its services to individuals, trusts, estates, non-profits and business entities. Item 8. Methods of Analysis, Investment Strategies and Risk of Loss MK3 Wealth’s primary methods of analysis are fundamental and technical: Fundamental analysis involves the fundamental financial condition and competitive position of a Company or asset class. MK3 Wealth may analyze the financial condition, capabilities of management, earnings, new products and services, as well as the company’s or asset class’ markets and position amongst its competitors in order to determine the recommendations made to clients. The primary risk in using fundamental analysis is that while the overall health and position of a company or asset class may be good, market conditions may negatively impact the security. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical patterns may not help to predict such patterns in the future. Even if the pattern will eventually reoccur, there is no guarantee that MK3 Wealth will be able to accurately predict such a reoccurrence.  MK3 Wealth LLC (IARD#305760) April 2026 Page 7 Investment Strategies MK3 Wealth customizes its asset management strategies based on individual needs and concerns of their clients. While MK3 Wealth offers each of the services described in Item 4 (above), the main focuses of the firm are its diversified portfolio management. For its diversified portfolio management, MK3 Wealth may recommend a combination of in-house Model portfolios and Independent Managers depending on the needs and goals of the client. MK3 Wealth selects securities and asset managers for the portfolio based on asset allocation decisions and what suits the client’s needs and goals most appropriately. Specifically, MK3 Wealth tries to determine the mix of stock, bonds, money markets, and other investments that it feels offers the best combination of potential return and risk. At any given time, MK3 Wealth may allocate all, a portion, or none of the portfolio’s assets to various areas of the stock, bonds, or alternative investments. Risks of Loss Market Risks The profitability of a significant portion of MK3 Wealth’s recommendations may depend to a great extent upon correctly assessing the future course of price movements of stocks and bonds. There can be no assurance that MK3 Wealth will be able to predict those price movements accurately. Use of Independent Managers MK3 Wealth may recommend the use of Independent Managers for certain clients. MK3 Wealth will continue to do ongoing due diligence of such managers, but such recommendations rely, to a great extent, on the Independent Managers ability to successfully implement their investment strategy. In addition, MK3 Wealth does not have the ability to supervise the Independent Managers on a day-to- day basis other than as previously described in response to Item 4, above. Management Through Similarly Managed Accounts For certain clients, MK3 Wealth may manage portfolios by allocating portfolio assets among various securities on a discretionary basis using one or more of its proprietary investment strategies (collectively referred to as “investment strategy”). In so doing, MK3 Wealth buys, sells, exchanges and/or transfers securities based upon the investment strategy. MK3 Wealth’s management using the investment strategy complies with the requirements of Rule 3a- 4 of the Investment Company Act of 1940, as amended. Rule 3a-4 provides similarly managed accounts, such as the investment strategy, with a safe harbor from the definition of an investment company. Securities in the investment strategy are usually exchanged and/or transferred without regard to a client’s individual tax ramifications. Certain investment opportunities that become available to MK3 Wealth’s clients may be limited. As further discussed in response to Item 12B (below), MK3 Wealth allocates investment opportunities among its clients on a fair and equitable basis. General Risk of Loss Investing in securities involves the risk of loss. Clients should be prepared to bear such loss. Item 9. Disciplinary Information MK3 Wealth is required to disclose the facts of any legal or disciplinary events that are material to a client’s evaluation of its advisory business or the integrity of management. MK3 Wealth does not have any required disclosures to this Item.  MK3 Wealth LLC (IARD#305760) April 2026 Page 8 Item 10. Other Financial Industry Activities and Affiliations MK3 Wealth is required to disclose any relationship or arrangement that is material to its advisory business or to its clients with certain related persons. MK3 Wealth has described such relationships and arrangements below. Receipt of Insurance Commissions Certain of MK3 Wealth’s Supervised Persons, in their individual capacities, are also licensed insurance agents with various insurance companies, and in such capacity, may recommend, on a fully- disclosed commission basis, the purchase of certain insurance products. While MK3 Wealth does not sell such insurance products to its investment advisory clients, MK3 Wealth does permit its Supervised Persons, in their individual capacities as licensed insurance agents, to sell insurance products to its investment advisory clients. A conflict of interest exists when MK3 Wealth’s Supervised Persons recommends insurance products and receives compensation. Retirement Account Rollovers/Transfers (e.g., 401(k) and IRAs) When recommending that a client rollover his or her account from current retirement plan to an IRA, MK3 Wealth and its financial advisors have a conflict of interest. MK3 Wealth and its financial advisors can earn investment advisory fees by recommending that a client rollover his or her account at the retirement plan to an IRA; however, MK3 Wealth and its investment adviser representatives will not earn any investment advisory fee if client does not rollover the funds in the retirement plan (unless a client retained Advisor to provide advice about the client’s retirement plan account). Thus, MK3 Wealth and its financial advisors have an economic incentive to recommend a rollover of the retirement plan account, which is a conflict of interest. MK3 Wealth has taken steps to manage this conflict of interest arising from rolling over funds from an ERISA covered retirement plan to an IRA and has adopted written policies and procedures whereby MK3 Wealth and its financial advisors will disclose the advantages/disadvantages of the retirement plan/IRA rollover options available to the client and will only recommend rollover if in the best interest of the client. Item 11. Code of Ethics MK3 Wealth and persons associated with MK3 Wealth(“Associated Persons”) are permitted to buy or sell securities that it also recommends to clients consistent with MK3 Wealth’s policies and procedures. MK3 Wealth has adopted a code of ethics that sets forth the standards of conduct expected of its associated persons and requires compliance with applicable securities laws (“Code of Ethics”). In accordance with Section 204A of the Investment Advisers Act of 1940 (the “Advisers Act”), its Code of Ethics contains written policies reasonably designed to prevent the unlawful use of material non-public information by MK3 Wealth or any of its associated persons. The Code of Ethics also requires that certain of MK3 Wealth’s personnel (called “Access Persons”) report their personal securities holdings and transactions and obtain pre-approval of certain investments such as initial public offerings and limited offerings. Unless specifically permitted in MK3 Wealth’s Code of Ethics, none of MK3 Wealth’s Access Persons may effect for themselves or for their immediate family (i.e., spouse, minor children, and adults living in the same household as the Access Person) any transactions in a security which is being actively purchased or sold or is being considered as such on behalf of MK3 Wealth’s clients. When MK3 Wealth is  MK3 Wealth LLC (IARD#305760) April 2026 Page 9 purchasing or considering for purchase any security on behalf of a client, no Access Person may effect a transaction in that security prior to the completion of the purchase or until a decision has been made not to purchase such security. Similarly, when MK3 Wealth is selling or considering the sale of any security on behalf of a client, no Access Person may effect a transaction in that security prior to the completion of the sale or until a decision has been made not to sell such security. Clients and prospective clients may contact MK3 Wealth to request a copy of its Code of Ethics. Item 12. Brokerage Practices As discussed above, in Item 5, MK3 Wealth generally recommends that clients utilize the brokerage and clearing services of Schwab. Factors which MK3 Wealth considers in recommending Custodians or other broker-dealers to clients include their respective financial strength, reputation, execution, pricing, research and service. Schwab enables MK3 Wealth to obtain many mutual funds without transaction charges and other securities at nominal transaction charges. The commissions paid by MK3 Wealth’s clients comply with MK3 Wealth’s duty to obtain “best execution.” Clients may pay commissions that are higher than another qualified Custodians might charge to effect the same transaction where MK3 Wealth determines that the commissions are reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a Custodian’s services, including among others, the value of research provided, execution capability, commission rates, and responsiveness. MK3 Wealth seeks competitive rates but may not necessarily obtain the lowest possible commission rates for client transactions. MK3 Wealth periodically and systematically reviews its policies and procedures regarding its recommendation of Schwab in light of its duty to obtain best execution. The client may direct MK3 Wealth in writing to use a particular Custodian to execute some or all transactions for the client. In that case, the client will negotiate terms and arrangements for the account with that Custodian, and MK3 Wealth will not seek better execution services or prices from other Custodians or be able to “batch” client transactions for execution through other Custodians with orders for other accounts managed by MK3 Wealth. As a result, the client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case. Subject to its duty of best execution, MK3 Wealth may decline a client’s request to direct brokerage if, in MK3 Wealth’s sole discretion, such directed brokerage arrangements would result in additional operational difficulties or violate restrictions imposed by other broker-dealers (as further discussed below). Transactions for each client generally will be effected independently, unless MK3 Wealth decides to purchase or sell the same securities for several clients at approximately the same time. MK3 Wealth may (but is not obligated to) combine or “batch” such orders to obtain best execution, to negotiate more favorable commission rates, or to allocate equitably among MK3 Wealth’s clients. To the extent that MK3 Wealth determines to aggregate client orders for the purchase or sale of securities, including securities in which MK3 Wealth’s Supervised Persons may invest, MK3 Wealth generally does so in accordance with applicable rules promulgated under the Advisers Act and no- action guidance provided by the staff of the U.S. Securities and Exchange Commission. MK3 Wealth  MK3 Wealth LLC (IARD#305760) April 2026 Page 10 does not receive any additional compensation or remuneration as a result of the aggregation. In the event that MK3 Wealth determines that a prorated allocation is not appropriate under the particular circumstances, the allocation will be made based upon other relevant factors, which may include: (i) when only a small percentage of the order is executed, shares may be allocated to the account with the smallest order or the smallest position or to an account that is out of line with respect to security or sector weightings relative to other portfolios, with similar mandates; (ii) allocations may be given to one account when one account has limitations in its investment guidelines which prohibit it from purchasing other securities which are expected to produce similar investment results and can be purchased by other accounts; (iii) if an account reaches an investment guideline limit and cannot participate in an allocation, shares may be reallocated to other accounts (this may be due to unforeseen changes in an account’s assets after an order is placed); (iv) with respect to sale allocations, allocations may be given to accounts low in cash; (v) in cases when a pro rata allocation of a potential execution would result in a de minimis allocation in one or more accounts, MK3 Wealth may exclude the account(s) from the allocation; the transactions may be executed on a pro rata basis among the remaining accounts; or (vi) in cases where a small proportion of an order is executed in all accounts, shares may be allocated to one or more accounts on a random basis. Consistent with obtaining best execution, brokerage transactions may be directed to certain broker- dealers in return for investment research products and/or services which assist MK3 Wealth in its investment decision-making process. Such research generally will be used to service all of MK3 Wealth’s clients, but brokerage commissions paid by one client may be used to pay for research that is not used in managing that client’s portfolio. The receipt of investment research products and/or services as well as the allocation of the benefit of such investment research products and/or services poses a conflict of interest because MK3 Wealth does not have to produce or pay for the products or services. Software and Support Provided by Custodians MK3 Wealth may receive the software and related support without cost because MK3 Wealth renders investment management services to clients that maintain assets at Schwab. The software and related systems support may benefit MK3 Wealth, but not its clients directly. In fulfilling its duties to its clients, MK3 Wealth endeavors at all times to put the interests of its clients first. Additionally, MK3 Wealth may receive the following benefits from Schwab through their respective investment adviser divisions: receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its investment adviser 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  MK3 Wealth LLC (IARD#305760) April 2026 Page 11 13. Review of Accounts For those clients to whom MK3 Wealth provides wealth management services, MK3 Wealth monitors those portfolios as part of an ongoing process while regular account reviews are conducted on at least an annual basis. Such reviews are conducted by one of MK3 Wealth’s investment adviser representatives. All investment advisory clients are encouraged to discuss their needs, goals, and objectives with MK3 Wealth and to keep MK3 Wealth informed of any changes thereto. MK3 Wealth contacts ongoing investment advisory clients at least annually to review its previous services and/or recommendations and to discuss the impact resulting from any changes in the client’s financial situation and/or investment objectives. Unless otherwise agreed upon, clients are provided with transaction confirmation notices and regular summary account statements directly from the broker- dealer or custodian for the client accounts. Item 14. Client Referrals and Other Compensation MK3 Wealth does not have a referral arrangement in which it pays compensation to a third party for client referrals. MK3 Wealth does not receive Other Compensation from any non-client in connection with the providing investment advisory services to its clients. Item 15. Custody MK3 Wealth does not maintain physical custody client assets. MK3 Wealth engages a qualified, nationally recognized SEC registered broker-dealer to custody and safe keep client assets. MK3 Wealth’s Agreement and/or the separate agreement with any Custodian may authorize MK3 Wealth through such Custodian to debit the client’s account for the amount of MK3 Wealth’s fee and to directly remit that management fee to MK3 Wealth in accordance with applicable custody rules. The Custodians recommended by MK3 Wealth have agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account. MK3 Wealth effects third party asset transfers in client accounts using a Standing Letter of Authorization (“SLOA”). Pursuant to the SEC No Action Letter, MK3 Wealth is deemed to have Custody over these accounts. Accordingly, MK3 Wealth has instituted procedures and controls such that it can comply with the seven representations noted in the SEC No-Action letter and avoid the annual surprise audit requirement. Additionally, since many of the seven representations involve the qualified custodian’s operations, MK3 Wealth is in close collaboration to ensure compliance with the SEC guidance. Item 16. Investment Discretion MK3 Wealth generally is granted the authority to exercise discretion on behalf of its clients. MK3 Wealth is considered to exercise investment discretion over a client’s account if it can effect transactions for the client without first having to seek the client’s consent. MK3 Wealth is given this authority through a power-of-attorney included in the agreement between MK3 Wealth and the client. Clients may request a limitation on this authority (such as certain securities not to be bought or sold).  MK3 Wealth LLC (IARD#305760) April 2026 Page 12 Item 17. Voting Client Securities MK3 Wealth does not vote client proxies. MK3 Wealth’s clients maintain exclusive responsibility for: (1) directing the manner in which proxies solicited by issuers of securities beneficially owned by the client shall be voted, and (2) making all elections relative to any mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. MK3 Wealth and the client shall correspondingly instruct each custodian of the assets to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. With respect to shareholder class action litigation and similar matters, MK3 Wealth generally will not make any filings in connection with any shareholder class action lawsuits involving securities currently or previously held in clients’ accounts. MK3 Wealth recommends that its clients promptly review these materials, as they identify important deadlines and may require action in the client’s part. MK3 Wealth will not be required to notify third party custodians or clients who utilize third party custodians of shareholder class action lawsuits and similar matters. Item 18. Financial Information MK3 Wealth does not require or solicit the prepayment of more than $1,200 in fees six months or more in advance. In addition, MK3 Wealth is required to disclose any financial condition that is reasonably likely to impair its ability to meet contractual commitments to clients. MK3 Wealth has no disclosures pursuant to this Item.