PACIFIC WEALTH MANAGEMENT

Form ADV Part 2A Investment Advisor Brochure Name of Registered Investment Advisor Pacific Wealth Management, LLC Address 11512 El Camino Real, Ste. 350, San Diego, CA 92130 Phone Number 858-509-9797 Website Address www.pacwealth.com E-mail Address manaya@pacwealth.com Date of Last Revision 03/27/2026 This Form ADV Part 2A (Investment Advisor Brochure) provides information about the qualifications and business practices of Pacific Wealth Management. If you have any questions about the contents of this brochure, please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed above. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Pacific Wealth Management is a registered investment advisor. Registration is mandatory for all persons meeting the definition of investment advisor and does not imply a certain level of skill or training. Additional information about our firm is available on the SEC’s website at: www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as an IARD/CRD number. The IARD/CRD number for Pacific Wealth Management is 113217. 1  Item 2 Material Changes Material changes to the Investment Advisor Brochure will be provided as a separate document to clients who have received previous versions of the brochure. Item 3 Table of Contents Material Changes ...................................................................................................................... 2 Item 2 Item 3 Table of Contents ...................................................................................................................... 2 Item 4 Advisory Business .................................................................................................................... 3 Item 5 Fees and Compensation ........................................................................................................... 5 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 ...................................... 10 Item 9 Disciplinary Information ...................................................................................................... 11 Item 10 Other Financial Industry Activities and Affiliations ..................................................... 11 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ....................................................................................................................................................... 13 Item 12 Brokerage Practices ............................................................................................................. 14 Item 13 Review of Accounts .............................................................................................................. 16 Item 14 Client Referrals & Other Compensation .......................................................................... 17 Item 15 Custody ................................................................................................................................... 17 Item 16 Investment Discretion ......................................................................................................... 18 Item 17 Voting Client Securities ....................................................................................................... 18 Item 18 Financial Information .......................................................................................................... 18 2  Item 4 Advisory Business Advisory Firm Pacific Wealth Management (“PacWealth”) has been providing investment advisory services since 2001. PacWealth is owned by Justin and Montana Kuntz. Justin C. Kuntz is the company’s managing director. He has been in the financial services industry since 2011. Advisory Services PacWealth offers the following advisory services, where appropriate, to individuals, corporations, and other business entities. Asset Management Services Financial Planning Consulting As of December 31, 2025, PacWealth has $364,585,836 assets under management on a discretionary basis, $7,355,751 of assets under management on a non-discretionary basis. ASSET MANAGEMENT SERVICES PROGRAM PacWealth offers asset management services. In this program, investment adviser representatives (“IARs”) of PacWealth will manage client portfolios based on the individual needs of the client. At the time of the clients' initial investments in the program, the IAR will assist the client in determining the client's current financial situation, financial goals, attitudes towards risk, investment objective, and give the client the opportunity to impose reasonable restrictions on the management of the account. Clients have the ability to leave standing instructions with the IAR to refrain from investing in particular securities, types of securities, or invest in limited amounts of securities. The above determination will allow the IAR to review the client's situation and determine an appropriate asset allocation. The investment objective selected by the client, which could range from conservative to aggressive growth, will guide the IAR in managing the client’s account. Once an appropriate asset allocation is determined with a client, the IAR will manage the client accounts on a discretionary or non-discretionary basis. PacWealth will create a portfolio consisting of one or more of the following: individual equities (with the exception of foreign issuers), warrants, corporate debt securities, commercial paper, CDs, municipal securities, mutual funds, exchange traded funds (“ETFs”), variable annuity subaccounts, structured products, U.S. Government securities and option contracts on securities. PacWealth will allocate the client's assets among various investments taking into consideration the objectives of the client. The mutual funds will be selected on the basis of any or all of the following criteria: the fund's performance history; the industry sector in which the fund invests; the track record of the fund's manager; the fund's investment objectives; the fund's management style and philosophy; and the fund's management fee structure. Portfolio weighting between funds and market sectors will be determined by each client's individual needs and circumstances. PacWealth's IARs will implement or make recommendations with respect to changes to a client's account based on market, economic, and political circumstances, and the individual characteristics of securities. Portfolios will be rebalanced on a periodic basis, typically quarterly. PacWealth also provides discretionary asset management services with respect to certain 529 plan portfolios. PacWealth will assist the client in selecting an investment strategy for the 529 plan portfolio taking into consideration the objectives of the client and recommend and/or make changes to the investment strategy over time if appropriate. The 529 plan sponsor will rebalance the account consistent with the selected investment strategy. 3  Clients are free to consult with their IARs at PacWealth at any time concerning their portfolios. Should the client's individual situation change, the client should notify their IAR, who will assist the client in revising the current portfolio and/or prepare a new questionnaire to determine if a different portfolio would be appropriate to the client's new situation as well as modify or impose account restrictions. PacWealth will contact clients at least annually to review the client's personal financial circumstances. For PacWealth to manage client assets, the client will typically be required to establish an account in his/her name at Charles Schwab & Co., Inc. (“Schwab”) by completing an account application. Schwab is a registered broker/dealer and qualified custodian (holder of account assets). Client retains all rights of ownership on the account regardless of the custodian, including the right to withdraw securities or cash, vote proxies, and receive transaction confirmations. In addition, client will also have the ability to impose restrictions on investing in certain securities or types of securities at the time the account is opened. In some instances, PacWealth manages assets for accounts that are not able to select Schwab as the custodian (e.g., some 529 plan and retirement accounts). When this is the case, PacWealth is not involved in establishing the account and the client is responsible for the selection of the custodian. In order to hire PacWealth to provide management services, the client will be asked to enter into a written investment advisory agreement with PacWealth. This agreement will set forth the terms and conditions of the relationship, including the amount of the investment advisory fee. Clients with at least $1,000,000 in assets under management with PacWealth may receive up to $1,000 paid toward the cost of basic estate planning services through estate planning attorney Charles J. Ingber, subject to advance approval by PacWealth. Basic estate planning services include but are not necessarily limited to; the creation of a living trust, will, health care directive and/or financial power of attorney. This service is provided as a courtesy, is contingent upon the client engaging Mr. Ingber for services, and may be altered or discontinued at PacWealth’s sole discretion. Please refer to Item 10 of this brochure for further information. No agency cross transactions or principal transactions may be affected in program accounts. COMPREHENSIVE FINANCIAL PLANNING PacWealth also provides advice in the form of Comprehensive Financial Planning. Clients purchasing this service will receive a written financial plan or report(s), providing the client with detailed financial planning services designed to achieve their stated financial goals and objectives. In general, the financial planning services will address any or all of the following areas of concern: • • • • • • • • • Consultation and recommendations for cash flow strategies including budgeting, savings, and debt management. Determining cash flow strategies for planned cash flow needs including major purchase(s), college funding, emergency reserve accounts(s), and retirement distribution planning. Retirement goal accumulation and distribution scenario planning. This includes analysis to assess the levels of risk in plans and the probability of attaining goals given certain assumptions. Create and periodically update a financial needs analysis, a process that evaluates the likelihood of meeting stated goals based on the client assets, liabilities, and relevant economic assumptions. Needs analysis for life, disability and long term care protection; recommendations regarding types of policies, limits, deductibles and appropriate coverage. Consultation regarding estate planning issues and asset protection strategies. Consultation regarding current and prospective health insurance programs. Dependent care and special needs planning for disabled and elderly family members. Guidance and consultation for college funding. 4 In addition, PacWealth may provide consultation upon request for the following:  • • • Current investment holdings Strategies for philanthropic gifting and family foundations Small business planning issues PacWealth gathers required information though in-depth personal interviews. Information gathered includes a client's current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, and a written report is prepared. Should a client choose to implement the recommendations, PacWealth suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion. CONSULTING Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or any other specific topic. PacWealth also provides specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, PacWealth provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance planning, and budgetary planning. Item 5 Fees and Compensation ASSET MANAGEMENT SERVICES PROGRAM FEE SCHEDULE The annual fee for PacWealth’s asset management program will be charged as a percentage of assets under management, including cash holdings, according to the appropriate schedule below: For Non-Institutional Accounts Assets under management Annual Fee (%) 2.00% 1.50% 1.30% 1.00% .80% .70% Negotiable Under $250,000 $250,000 to $499,999 $500,000 to $999,999 $1,000,000 to $2,999,999 $3,000,000 to $4,999,999 $5,000,000 to $9,999,999 $10,000,000 plus For Institutional Accounts (Typically Third Party Trusts and Estate Accounts) Assets under management Annual Fee (%) $500,000 to $999,999 $1,000,000 to $2,999,999 $3,000,000 to $4,999,999 $5,000,000 to $9,999,999 $10,000,000 plus 1.50% 1.20% 1 00% .80% Negotiable The fee schedule represents only the maximum total fee that may be charged to a client and may be negotiable at the discretion of PacWealth. A minimum account size of $250,000 is required for non- 5  institutional accounts and $500,000 for institutional accounts. The amount of the fee will be as stated in the written investment advisory agreement. With respect to accounts where Schwab serves as the Account’s custodian, the fee for the asset management program will be payable quarterly in advance. Fees will be charged quarterly in advance based on the average daily value of the account during the prior calendar quarter. The first payment will be charged at the beginning of the next calendar quarter following account opening and will include fees for (i) the upcoming quarter based on the average daily value of the partial prior quarter and (ii) the initial partial calendar quarter using the actual average daily value for the number of days the account was opened. Subsequent payments are due and will be assessed at the beginning of each calendar quarter based on the average daily value of the account during the prior calendar quarter. With respect to accounts where the custodian is a firm other than Schwab, the payment of fees may be paid by deducting the fee from another Schwab account for the client that is managed by PacWealth if authorized by the client or direct by the client by making a check made payable to Pacific Wealth Management upon receipt of an invoice from PacWealth. On an exception basis and solely with the approval of PacWealth and under the conditions noted below, client may authorize the custodian holding client funds and securities to deduct PacWealth advisory fees directly from the client account in accordance with invoices prepared by PacWealth. The custodian will provide periodic account statements to the client. Such statements will reflect all fee withdrawals. It is the client’s responsibility to verify the accuracy of the fee calculation. The custodian will not determine whether the fee is properly calculated. Advisory fees may be directly debited from a client account if the following conditions are met. 1. PacWealth makes available upon request an invoice for the client showing the amount of the fee, the value of the client's assets upon which the fee was based, and the specific manner in which the fee was calculated; and 2. PacWealth discloses to the client that it is the client's responsibility to verify the accuracy of the fee calculation and that the custodian will not determine whether the fee is properly calculated; and 3. The client authorizes PacWealth in writing to receive fee payments directly from the client's account being held by an independent custodian; and 4. The independent custodian agrees to send the client, at least quarterly, a statement indicating all amounts disbursed from the account. The advisory fees noted above are for the asset management only and do not include any other fees and charges that may be charged separately by the custodian of assets. For accounts custodied at Schwab, the client will be charged transaction charges by Schwab that vary based on the type of investment (e.g., mutual fund, ETF, equities, fixed income, or options) and range from $0 to $275. The transaction charges assessed by Schwab may be lower than the charges customarily imposed by Schwab when processing similar transactions for similar accounts. This is because PacWealth has entered into an arrangement based on the scope of business PacWealth engages in with Schwab, including the value of PacWealth’s client assets with Schwab. This presents an incentive for PacWealth to recommend that you use Schwab for client’s account so that all PacWealth clients continue to receive the favorable pricing. We believe this arrangement benefits clients because the transaction charges may be lower than they would be normally. As a result, we believe that using Schwab to execute transactions for client’s account is consistent with our duty to obtain best execution. We will provide you with a copy of the transaction charge schedule at the time you open your account. PacWealth does not receive any portion of these transaction charges. Schwab may also charge other administrative fees and charges as well, including but not limited to, IRA and qualified retirement plan fees and termination fees, administrative servicing fee for trust accounts, fees based on cash or money 6  market deposits, wire transfer fees, and other charges required by law and imposed by the custodian. All fees charged by custodians or broker/dealers the client may use are separate and distinct from the fees paid to PacWealth for investment advisory services. For non-managed accounts custodied at Schwab and maintained by PacWealth there is a reporting only fee of $20 annually charged by Orion Advisor Tech passed through to the client and charged to the account. In evaluating the asset management services provided by PacWealth, the client should consider the total value of all the services received for the fee charged, including the amount of portfolio activity in the client's account, the value of reporting and other services which are provided under the arrangement, and other factors. The total fee may or may not exceed the aggregate cost of such services if they were provided separately. There is a conflict of interest for individuals that currently invest in an employer-sponsored retirement plan or individual retirement account that are considering a roll out of assets from the retirement plan or account. A conflict of interest exists because PacWealth will be compensated only if the individual rolls over the proceeds into an IRA that is then managed by PacWealth. As a result, it can be construed that PacWealth has a financial incentive to recommend one option over another. Therefore, the individual should include in his/her decision making process, a thorough review of all options available; for example (i) remain invested in the current retirement plan or account (if available), (ii) transfer assets to a new employer-sponsored retirement plan (if available), (iii) transfer assets to an IRA with a financial institution, or (iv) withdraw assets directly, which would be subject to federal and applicable state and local taxes and possibly subject to the IRS penalty of 10% depending upon the age of the individual. A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days written notice. A reasonable amount of time may be necessary to liquidate and transfer client assets, or provide other administrative services in connection with the termination of an account. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. 529 PLAN MANAGEMENT SERVICES The annual fee for PacWealth’s management of 529 plan assets will be a maximum fee of 0.50% based on the market value of the account, including cash holdings. The fee is stated as a maximum, and is negotiable between PacWealth and the client. The amount of the fee will be as stated in the written investment advisory agreement. The fee for 529 plan management is payable semi-annually, in advance. Fees are payable through check made payable to Pacific Wealth Management or written authorization from the client to have the fees paid from another Schwab account belonging to the client. Fees will be charged semi-annually in advance based on the average daily value of the account during the prior semi-annual period. The first payment will be charged at the beginning of the next calendar semi-annual period following account opening and will include fees for (i) the upcoming semi-annual period based on the average daily value of the partial prior semi- annual period and (ii) the initial partial semi-annual period using the actual average daily value for the number of days the account was opened. Subsequent payments are due and will be assessed at the beginning of each semi-annual period based on the average daily value of the account during the prior semi- annual period. The advisory fees noted above are for the 529 plan management only and do not include any other fees and charges that may be charged separately by the 529 plan sponsor. PacWealth does not receive any portion of these charges. All 529 plan sponsor fees are separate and distinct from the fees paid to PacWealth for investment advisory services. 7  Clients should also be aware that tax considerations related to purchasing a 529 plan account can be complex. For example, if your state of residence offers any tax benefit for purchasing an in-state 529 plan, you would be foregoing those tax benefits by purchasing an out-of-state 529 plan. Please note that California does not currently offer any state tax benefits related to 529 plans. If you are a resident of a state other than California, and realizing state tax benefits is important to you, you should consult with your tax advisor or the 529 plan sponsor for additional information. In evaluating the 529 plan management services provided by PacWealth, the client should consider the total value of all the services received for the fee charged, including the amount of portfolio activity in the client's account, the value of reporting and other services which are provided under the arrangement, and other factors. The total fee may or may not exceed the aggregate cost of such services if they were provided separately. An investment advisory agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. COMPREHENSIVE FINANCIAL PLANNING / CONSULTING Fees for Comprehensive Financial Planning and Consulting will be charged in one or both of the two ways listed below, upon mutual agreement with the client: 1. Fixed fee: A fixed fee, typically ranging from $2,500 to $5,000, depending on the nature and complexity of each client's circumstances and upon mutual agreement with the client. Typically, 25% of this fee is due upon signing the advisory agreement, with the balance due upon completion of the advisory service; and/or 2. Hourly basis: On an hourly basis, ranging from $250 to $400 per hour, depending on the nature and complexity of each client's circumstances and upon mutual agreement with the client. An estimate for total hours will be determined at the start of the advisory relationship. Typically, 25% of the estimated fee is due upon signing the advisory agreement, with the balance (based on actual hours) due upon presentation of the planning services or report(s) to the client. PacWealth will never hold client funds greater than $500 for more than six months in advance of completion of the financial plan. With respect to Comprehensive Financial Planning services, the relationship between PacWealth and the client is an ongoing relationship. The agreement is for an initial term of one year, and will automatically renew for subsequent one-year terms. Engagements for Consulting are typically more short term in nature (e.g., less than six months). The client has the right to terminate the financial planning/consulting agreement at any time and a refund of the unearned fees will be made based on time and effort expended before termination. The consulting agreement terminates upon delivery of the plan or completion of services. At this time no refunds will be made. GENERAL INFORMATION ON FEES AND COMPENSATION Clients may also incur certain charges imposed by third parties other than PacWealth in connection with investments made through the account depending upon the type of investments made and type of account. These charges include, but are not limited to, the following: • 8 Mutual Fund and 529 Plan Fees: All fees paid to PacWealth for investment advisory services are separate and distinct from the fees and expenses charged by mutual funds to their shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally include a  • • • • management fee, other fund expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge. A client could invest in mutual funds directly, without the services of PacWealth. In that case, the client would not receive the services provided by PacWealth which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the funds and the fees charged by PacWealth to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided. ETF Fees: ETFs will charge additional fees to investors. These fees and expenses are described in each ETF's prospectus and will generally include a management fee and fund expenses. A client could invest in ETFs without the involvement of PacWealth. In that case, the client would not receive the services provided by PacWealth as described above. Variable Annuity Fees: Variable annuity sponsors will also charge additional fees to investors. These fees and expenses are described in the variable annuity contract and will generally include mortality, expense and administrative charges, fees for additional riders purchased by client on the contract, and charges for excessive transfers within a calendar year if imposed by the variable annuity sponsor. Sweep money market funds and cash balances: 12b-1 fees or other fee based on average daily deposit balances. Other charges required by law and imposed by the executing broker/dealer or custodian. Individuals of PacWealth are insurance agents for various insurance companies. Advisory recommendations of PacWealth include those insurance products offered by these companies. As such, these individuals will be able to receive separate, yet customary commission compensation resulting from implementing insurance product transactions on behalf of advisory clients. The principal individuals and/or other employees of PacWealth may, from time to time, receive insurance incentive awards for the recommendation/introduction of insurance products. The receipt of this compensation may affect PacWealth judgment in recommending products to clients and could be considered a conflict of interest. PacWealth mitigates this conflict by considering and recommending various products to clients without regard as to whether a commission or incentive award will be received from such recommendation. While these individuals endeavor at all times to put the interest of the clients first as part of PacWealth’s fiduciary duty, clients should be aware that the receipt of additional compensation itself creates a conflict of interest, and may affect the judgment of these individuals when making recommendations. The asset management program may cost client more or less than if the assets were held in a commission- based brokerage account. In a brokerage account, client is charged commissions for each transaction, and PacWealth would have no duty to provide ongoing advice with respect to the account. If client plans to follow a buy and hold investment strategy for the account or does not wish to purchase ongoing investment advice or management services, client should not engage PacWealth for investment advisory services. See the section heading Brokerage Practices for more information. Item 6 Performance-Based Fees and Side-By-Side Management PacWealth does not charge performance-based fees, fees based on a share of capital gains on or appreciation of the assets of a client account. Item 7 Types of Clients PacWealth provides advisory services to individuals, trusts, estates, pension and profit sharing plans and other ERISA accounts, and business entities. 9  Generally, the minimum account size is $250,000 for non-institutional accounts. The minimum account size for institutional accounts is $500,000. In some cases, the minimum account size may be negotiable at the discretion of PacWealth. There is no minimum account size for clients retaining financial planning services and/or consulting services. Methods of Analysis, Investment Strategies, and Risk of Loss Item 8 Methods of Analysis utilized include charting, fundamental, technical, and cyclical. PacWealth uses asset allocation strategies for portfolio management. Our proprietary asset management strategy is called Proactive Asset Management. PacWealth typically manages program accounts or otherwise provide investment advice focusing on one of the following investment objectives based on the client’s goals and risk tolerance; conservative, conservative growth, moderate, long-term growth, or aggressive growth. As stated previously, PacWealth generally uses the following types of investment vehicles within asset management accounts: mutual funds (including international funds, emerging market funds, real estate funds, high yield bond funds and funds that short the market), ETFs (including commodity funds, precious metal funds and agricultural funds), variable annuity subaccounts, individual stocks and bonds, and options (including covered calls and purchasing calls and puts). The particular investments selected for the client’s account will depend upon the client’s investment objective, level of risk tolerance, sensitivity to taxes, and other factors. There are risks associated with investing in securities. The following highlights some of the risks associated with the types of investments that may be purchased for the client’s account: • • • • • 10 Investing in international markets presents additional risks including currency fluctuations, the potential for diplomatic and political instability, regulatory and liquidity risks and foreign taxation among others. The risks of foreign investing are generally greater in emerging markets. High yield bonds carry greater risks than bonds rated as investment grade. For example, they are issued by organizations that do not qualify for an investment grade rating by one of the rating agencies because of the higher potential for default by the issuer. Another risk is that further financial difficulties by the issuer may result in a decrease in the market value, and this may make it impossible to liquidate the bond prior to maturity. Funds designed to short the market, or inverse funds, have a goal of providing the opposite or inverse of the return for the underlying index. Inverse funds may have higher expense ratios and be less tax-efficient than a traditional mutual fund or ETF. They may also be riskier. PacWealth may use inverse mutual funds or inverse ETFs as in program accounts when deemed appropriate. ETFs are typically investment companies that are legally classified as open end mutual funds or UITs. However, they differ from traditional mutual funds, in particular, in that ETF shares are listed on a securities exchange. Shares can be bought and sold throughout the trading day like shares of other publicly-traded companies. ETF shares may trade at a discount or premium to their net asset value. This difference between the bid price and the ask price is often referred to as the “spread.” The spread varies over time based on the ETF’s trading volume and market liquidity, and is generally lower if the ETF has a lot of trading volume and market liquidity and higher if the ETF has little trading volume and market liquidity. Although many ETFs are registered as an investment company under the Investment Company Act of 1940 like traditional mutual funds, some ETFs, in particular those that invest in commodities, are not registered as an investment company. PacWealth may also purchase call options, which gives the right to purchase the underlying stock for the client’s account at a specified price within a specified period of time if PacWealth deem it appropriate. The client should be aware that the use of options involves additional risks. The risk of covered call options includes the possibility that the market will rise sharply and the investment upon which the covered call was placed will be called away. In this case the client will no longer own  • this investment. The risk of purchasing put options is limited to the loss of the premium paid for the option unless the program account exercises or sells the investment. The risk of purchasing call options is limited to the loss of the amount paid for the call option. PacWealth will assist certain clients with purchasing structured products within an account when appropriate. Structured products are securities derived from another asset, such as a security or a basket of securities, an index, a commodity, a debt issuance, or a foreign currency. Structured products frequently limit the upside participation in the reference asset. Structured products are senior unsecured debt of the issuing bank and subject to the credit risk associated with that issuer. The credit risk exists whether or not the investment held in the account offers principal protection. The credit worthiness of the issuer does not affect or enhance the likely performance of the investment other than the ability of the issuer to meet its obligations. Any payments due at maturity are dependent on the issuer’s ability to pay. In addition, the trading price of the security in the secondary market, if there is one, may be adversely impacted if the issuer’s credit rating is downgraded. Some structured products offer full protection of the principal invested, others offer only partial or no protection. Investors may be sacrificing a higher yield to obtain the principal protection. In addition, the principal guarantee relates to the nominal principal and does not offer inflation protection. An investor in a structured product never has a claim on the underlying investment, whether a security, zero coupon bond, or option. There may be little or no secondary market for the securities and information regarding independent market pricing for the securities may be limited. This is true even if the product has a ticker symbol or has been approved for listing on an exchange. Tax treatment of structured products may be different from other investments held in the account (e.g., income may be taxed as ordinary income even though payment is not received until maturity). Structured CDs that are insured by the FDIC are subject to applicable FDIC limits. With respect to our financial planning services PacWealth looks to the long-term. After the client's short- term cash needs and emergency fund is evaluated, investment and insurance strategies are designed to help the client achieve his or her financial goals. Casualty insurance (e.g. homeowner's, auto, liability, etc.) is reviewed only at the client's request, and would be provided by an outside casualty firm. While there is risk in all investments, some carry a greater degree of risk or higher costs. There is no guarantee that the investment strategy selected for the client will result in the client’s goals being met, nor is there any guarantee of profit or protection from loss. Investing in securities involves risk of loss that clients should be prepared to bear. For those investments sold by prospectus, clients should read the prospectus in full. PacWealth is disclosing those risks and opportunities that may be employed as part of our investment strategy. • • By timing the buys and sells, PacWealth endeavors to control the risks. Timing the markets has its own set of risks. One major risk is missing out on a beneficial movement in price due to an error in timing. There are tax consequences for short-term trading wherein capital gains are taxed as ordinary income. Item 9 Disciplinary Information An investment advisor must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of its management personnel. PacWealth and its management personnel do not have any disclosure items. Item 10 Other Financial Industry Activities and Affiliations PacWealth is also licensed as an insurance agency in the state of California. The principal individuals and/or 11 other employees of PacWealth, in their individual capacities, are agents and/or brokers for Pac Wealth  and/or various other insurance companies. Advisory recommendations of PacWealth include those insurance products offered by these companies. As such, these individuals will be able to receive separate, yet customary commission compensation resulting from implementing insurance product transactions on behalf of advisory clients. In addition, PacWealth shares in this compensation to the extent that the insurance transaction is processed through PacWealth as an insurance agency. This creates a conflict of interest between our interests and those of advisory clients. The client is under no obligation to purchase products recommended or to purchase products either through us or through these insurance companies. Certain IARs of PacWealth are independent contractors appointed with Sage Settlement Consulting, Inc. (“Sage”) to offer structured settlements. This is separate and distinct from the services offered by PacWealth. A structured settlement is a way for an individual to receive future periodic payments in the form of a structured settlement rather than taking funds as a cash lump sum. Through Sage, the independent contractor advises individuals who are receiving settlement funds regarding their structured settlement options. These options include use of a fixed annuity through a life insurance company or use of a market- correlated program (e.g., Fee Structure Plus or Settlements Plus) administered by Structures, LLC, an independent product development company. The independent contractor is compensated through receipt of a portion of the insurance commission (up to 80% of the commission received by Sage) or program fee (up to 37.5 basis points annually of the fee received by Sage). PacWealth does not receive any portion of the structured settlement related compensation. While cross-marketing opportunities exist between PacWealth and Sage, clients of PacWealth are not required to use Sage for structured settlements and Sage structured settlement clients are not required to use PacWealth for asset management or financial planning. There is a conflict of interest due to the ability of the independent contractor (“IC”) to offer structured settlements as described above. There is a financial incentive for the IC to recommend that an individual receiving a settlement structure at least a portion of his/her settlement or legal fee. There is also an incentive to recommend that the individual structure more rather than less of his/her settlement or legal fee because larger structured settlements result in larger commissions for the IC. When a client structures with a market-correlated program, the IC receives compensation for as long as funds are in the program; hence, it benefits the IC when a client elects a longer rather than a shorter deferral payment period. PacWealth may exercise agreements with other registered investment advisors and recommend other advisors to clients. In such instances, PacWealth may receive a portion of the account fee. In these instances, PacWealth will make available to the client a compensation disclosure statement and the disclosure brochure for the other advisor. The client is under no obligation to use the services of the other advisor(s) recommended. While PacWealth IARs endeavor at all times to put the interests of the client first as part of PacWealth’s fiduciary duty, clients should be aware that the receipt of additional compensation itself creates a conflict of interest, and may affect the judgment of these individuals when making recommendations. As stated previously, for clients with at least $1,000,000 in assets under management with PacWealth, the firm will pay up to $1000 toward the cost of basic estate planning services obtained by the client through estate planning attorney Charles J. Ingber, subject to advance approval by PacWealth. Basic estate planning services include but are not necessarily limited to; the creation of a living trust, will, health care directive and/or financial power of attorney. Payment for the services will be made by PacWealth to Mr. Ingber in the amount agreed upon by PacWealth. While this service is provided as a courtesy and may be altered or discontinued at PacWealth’s sole discretion, it represents a conflict of interest. While PacWealth does not receive any compensation from Mr. Ingber for the introduction, PacWealth may receive introductions of potential clients from Mr. Inber in the normal course of business and without compensation to Mr. Ingber. This cross-marketing benefits PacWealth. This conflict of interest is addressed by making clients aware of the conflict through this disclosure. In addition, clients are advised that while they will not receive this benefit unless they engage Mr. Ingber for estate planning services, clients are under no obligation to use Mr. Ingber. 12  Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics PacWealth maintains a Code of Ethics. The Code of Ethics is based on ethical conduct premised on fundamental principles of openness, integrity, honesty, and trust. The Code of Ethics sets forth standards of conduct expected of advisory personnel; requires compliance with federal securities laws; and, addresses conflicts that arise from personal trading by advisory personnel. PacWealth will provide a copy of their Code of Ethics upon written request by a client or prospective client. Personal Trading PacWealth or individuals associated with PacWealth may buy or sell securities identical to, and different than, those recommended to customers for their personal accounts. In addition, any related person(s) may have an interest or position in a certain security (ies) which may also be recommended to a client. It is the expressed policy of PacWealth that no person employed by PacWealth may purchase or sell any security prior to a transaction(s) being implemented for an advisory account, and therefore, preventing such employees from benefiting from transactions placed on behalf of advisory accounts. As these situations represent a conflict of interest, PacWealth has established the following best practices in order to ensure its fiduciary responsibilities: 1) A member and/or employees of PacWealth shall not buy or sell securities for their personal portfolio(s) where their decision is substantially derived, in whole or in part, by reason of his or her employment unless the information is also available to the investing public on reasonable inquiry. No person of PacWealth shall prefer his or her own interest to that of the advisory client. 2) PacWealth maintains a list of all securities holdings for itself, and anyone associated with this advisory practice with access to advisory recommendations. These holdings are reviewed on a regular basis by Maryam Anaya, Chief Compliance Officer. 3) All clients are fully informed that certain individuals may receive separate compensation when effecting insurance transactions during the implementation process. 4) PacWealth emphasizes the unrestricted right of the client to decline to implement any advice rendered. 5) PacWealth requires that all individuals must act in accordance with all applicable federal and state regulations governing registered investment advisory practices. 6) Any individual not in observance of the above may be subject to termination. Participation or Interest in Client Transactions No participation or interest in client transactions. Principal Trades No principal transactions may be affected in program accounts. 13  Agency Cross Transactions No agency cross transactions may be affected in program accounts. Item 12 Brokerage Practices ASSET MANAGEMENT SERVICES PacWealth has entered into a relationship with Schwab to serve as an executing broker/dealer and custodian for asset management transactions. PacWealth is independently owned and operated and not affiliated with Schwab. PacWealth seeks to make available a custodian that will hold your assets and execute transactions on terms that are overall most advantageous when compared to other available providers and their services. We consider a wide range of factors including, but not limited to, the following: ability to execute, clear and settle transactions and provide custody services, availability of a range of investment products, availability of technological tools and investment research to assist us in managing assets, quality of services, competitive pricing, reputation, financial strength, and stability. Except as noted below, PacWealth requires that clients direct Schwab as the broker/dealer and custodian. You will be required to open an account with Schwab by entering into an account agreement directly with the Schwab. We do not open the account for you, although we may assist you in doing so. Conflicts of interest associated with this arrangement are described below as well as in Item 14 Client Referral & Other Compensation. All asset management transactions through Schwab will be processed without commissions. Clients should understand that not all advisors require their clients to direct brokerage. While PacWealth believes that Schwab’s execution procedures are designed to make every attempt to obtain best execution possible, there can be no assurance that best execution can be obtained. By directing brokerage to Schwab, clients may be unable to achieve the most favorable execution of client transactions. Therefore, directed brokerage may cost clients more money. PacWealth receives support services and/or products from Schwab, which assist PacWealth to better manage and administer client accounts. Some of these services assist PacWealth to better monitor and service client accounts, however, many of these services benefit only PacWealth, for example, services that assist PacWealth in growing its business. These support services and/or products may be received without cost, at a discount, and/or at another negotiated rate, and may include the following. These services may be provided by the custodian or a third-party vendor. Where such services are provided by a third-party vendor, the custodian will pay the third-party vendor directly on behalf of PacWealth. • • • • • • • • • • • • • 14 investment-related research pricing information and market data software and other technology that provide access to client account data technology to facilitate trade execution, payment of advisory fees from client accounts, and client reporting receipt of duplicate client statements and confirmations assist with back-office functions recordkeeping compliance and/or practice management-related publications or services consulting services attendance at conferences, meetings, and other educational and/or social events marketing support computer hardware and/or software other products used by PacWealth in furtherance of its investment advisory business operations  The receipt of these benefits creates potential conflicts of interest between PacWealth and its clients. For example, the receipt of the benefits by PacWealth may directly or indirectly influence our decision to recommend Schwab for custody, brokerage and execution. Notwithstanding, PacWealth takes its responsibility to clients seriously, and will recommend a custodian to clients only if it believes it is in the client’s best interest. The products and services described above are provided to PacWealth as part of its overall relationship with Schwab. While as a fiduciary PacWealth strives to act in its client’ best interests, the receipt of these benefits creates a conflict of interest because PacWealth’s requirement that client’s custody their assets at Schwab is based in part on the benefit to PacWealth of the foregoing products and services and not solely on the nature, cost or quality of custody or brokerage services provided by the custodian. PacWealth’s receipt of some of these benefits is based on the amount of advisory assets custodied on the custodian’s platform. Clients do not pay more for services because of this arrangement. The benefits do not depend on the number of transactions through the custodian. There is no corresponding commitment made by PacWealth to the custodian or any other entity to invest any specific amount or percentage of client assets in any specific securities because of this arrangement. For additional information, please refer to Item 14 Client Referrals & Other Compensation. PacWealth has entered into an arrangement with Schwab for certain transaction charge pricing in accounts for which Schwab serves as custodian and executing broker/dealer. Certain trades do not incur transaction charges. Schwab is also compensated by earning interest on the uninvested cash in a client’s account. This favorable pricing to clients was negotiated based on the condition that PacWealth clients collectively maintain a total of at least $270,000,000 of assets at Schwab. This commitment benefits clients because the overall transaction charges clients pay are lower than they would be otherwise. Please see the detailed discussion of the conditions and implications of the arrangement in Item 5 Fees and Compensation. In addition, Schwab charges clients a flat dollar amount as a “prime broker” or “trade away” fee for each trade PacWealth has executed by a different broker/dealer but where the securities bought or the funds from the securities sold are deposited/settled into the client’s Schwab account. These fees are in addition to the commissions or other compensation clients pay the executing broker/dealer. Because of this, in order to minimize client trading costs, PacWealth will have Schwab execute most trades for client accounts. PacWealth is not required to select the broker or dealer that charges the lowest transaction cost, even if that broker provides execution quality comparable to other brokers or dealers. Although PacWealth is not required to execute all transactions through Schwab, it has determined that having Schwab execute most trades is consistent with PacWealth’s duty of best execution of your trades. By using another broker or dealer, a client may pay lower transaction costs. With respect to 529 plan management services, clients are generally required to establish an account through the Schwab 529 Education Savings Plan account platform. This account will be opened at Schwab however, it will be an account with TIAA-CREF Tuition Financing, Inc. ("TFI") and not Schwab. In some cases, client may choose to have PacWealth manage a 529 plan account that is held at a custodian other than Schwab or TFI. In addition, in some cases, clients may be required to use a custodian other than Schwab to hold account assets, for example, in the case of retirement plan assets. Client should understand in such instances that PacWealth will not be independently seeking best execution of client transactions through other broker dealers. While individual client advice is provided for each account, client trades may be aggregated or executed as a block trade. Only accounts in the custody of Schwab would have the opportunity to participate in aggregated securities transactions. Schwab will be informed that the trades are for the account of PacWealth’s clients. Schwab will be notified of the amount of each trade for each account. PacWealth and its IARs may 15  participate in block trades with clients, and may also participate on a pro rata basis for partial fills, but only if clients receive fair and equitable treatment. No advisory account within the block trade will be favored over any other advisory account, and thus, each account will participate in an aggregated order at the average share price. PacWealth may choose not to aggregate trades, for example, based on the size of the trades, the number of client accounts, the timing of the trades, the liquidity of the securities, and the discretionary or non-discretionary nature of the trades. If PacWealth does not aggregate trades, some clients purchasing securities around the same time may receive a less favorable price than other clients. This means that this practice of not aggregating may cost clients more money. In client directed brokerage arrangements through custodians other than Schwab the client may not be able to participate in aggregated (“blocked”) trades, which may increase the cost of execution. Pursuant to the written investment advisory agreement with the client, either the client or PacWealth will execute all securities transactions in client accounts held at custodians and broker/dealers other than Schwab. The client’s direct broker/dealer and/or custodian may charge fees that are separate and distinct from the fees paid to PacWealth for investment advisory services. PacWealth does not share in these fees and charges. The client should contact the custodian or broker/dealer for a list of these fees and charges. COMPREHENSIVE FINANCIAL PLANNING/ CONSULTING The Consulting services offered by PacWealth conclude upon delivery of the report or analysis. Neither the Comprehensive Financial Planning nor Consulting services offered include implementation of recommendations or any transactions. Clients are under no obligation to implement the planning recommendations through IARs of PacWealth. Clients are free to select any broker/dealer or investment advisor for implementation. However, PacWealth may suggest that clients implement recommendations provided as a part of the financial planning services through an IAR of PacWealth in his/her capacity as an insurance agent or through the IAR offering asset management services through PacWealth. If the client chooses to implement through an IAR of PacWealth, the IAR would receive normal and customary insurance commissions as a licensed insurance agent or normal and customary advisory fees as an IAR of PacWealth. Item 13 Review of Accounts ASSET MANAGEMENT SERVICES PROGRAM While the underlying securities within asset management accounts are monitored on an ongoing basis, these accounts will be formally reviewed at least quarterly by the PacWealth IAR assigned to the account with the assistance of support staff. For 529 plan managed accounts, each account will be reviewed annually. The number of accounts covered by each IAR varies based on the type of account. The review will be conducted to determine if the current investment holdings of the account are consistent with the client's investment objectives. More frequent reviews may be triggered by material changes in variables such as the client's individual circumstances, drift or variance from the model portfolio weighting or the market, political or economic environment. Portfolio performance reports will be provided at the client’s portfolio review meeting typically held quarterly or at such durations as requested by client. All clients will receive account statements and confirmations of transactions directly from their account custodian. All clients should verify the accuracy of PacWealth‘s fee calculations. The custodian will not verify the accuracy of the fee statement submitted by PacWealth. COMPREHENSIVE FINANCIAL PLANNING/ CONSULTING 16 PacWealth will provide Comprehensive Financial Planning clients with reviews as contracted for at the inception of the advisory relationship.  As stated above, the Consulting services terminate upon delivery of the report or analysis. Thus, there are no ongoing reviews or reporting provided by PacWealth for Consulting only clients. All clients received standard account statements from their investment sponsors and brokerage firms. Item 14 Client Referrals & Other Compensation Referral Fees Paid In certain situations, PacWealth will compensate for client referrals. All clients procured by promoters will be given full written disclosures describing the terms and fee arrangements between the advisor and the promoter at the time of the referral to PacWealth. Referral Fees Received In certain situations, PacWealth will exercise agreements with other registered investment advisors and recommend other advisors to clients. In such instances, PacWealth may receive a portion of the account fee. In these instances, PacWealth will make available to the client a compensation disclosure statement at the time of the referral. The client is under no obligation to use the services of the other advisor(s) recommended. Sales Awards The principal individuals and/or other employees of PacWealth may, from time to time, receive incentive awards for the recommendation/introduction of products. While these individuals endeavor at all times to put the interest of the clients first as part of PacWealth’s fiduciary duty, clients should be aware that the receipt of additional compensation itself creates a conflict of interest, and may affect the judgment of these individuals when making recommendations. PacWealth takes their responsibilities to clients very seriously and PacWealth will only recommend that clients hire them for management services if PacWealth believes it is appropriate and in the client’s best interests. Schwab PacWealth will also receive from Schwab certain additional economic benefits that may or may not be offered to any other independent investment advisors using Schwab for custody. Specifically, the additional services include access to technology that provides access to client account data and assists us with back- office functions such as client reporting and fee billing, among other items. The additional services may also include access to legal services, compliance services, research services, and marketing and consulting services. In addition, Schwab has also agreed to pay for certain products and services which PacWealth would otherwise have to pay once the value of PacWealth clients’ assets in accounts at Schwab reach certain thresholds within the next 12 months. Clients do not pay more for assets maintained at Schwab because of this arrangement. However, PacWealth benefits from the arrangement because the cost of these services would otherwise be borne directly by PacWealth. Clients should consider these conflicts of interest when selecting a custodian. For further information, please see Item 12 Brokerage Practices. Item 15 Custody Clients will receive account statements at least quarterly from the broker-dealer or other qualified custodian. Clients are urged to compare custodial account statements against reports prepared by PacWealth for accuracy. Minor variations may occur because of reporting dates, accrual methods of interest and dividends, and other factors. The custodial statement is the official record of the client’s account for tax purposes. Advisory Fee Deduction 17  PacWealth does not take physical custody of client funds or securities; however, PacWealth is deemed to have custody of client funds solely because of the fee deduction authority granted by the client in the investment advisory agreement. Third Party Asset Movement PacWealth is also deemed to have custody of client funds when a client has a standing letter of authorization (“SLOA”) with their custodian that allows PacWealth to disburse client funds upon direction from the client to one or more third parties designated by the client. Item 16 Investment Discretion Upon the client’s written authorization in our investment advisory agreement, PacWealth will provide discretionary investment advisory services for the client’s program account. Our discretionary authority is limited only to affecting trades in the client’s account; PacWealth will determine the type of securities and the amount of securities that can be bought or sold for the client’s portfolio without obtaining the client’s consent for each trade. Item 17 Voting Client Securities PacWealth does not vote proxies. It is the client's responsibility to vote proxies. Clients will receive proxy materials directly from the custodian. Questions about proxies may be made via the contact information on the cover page. Item 18 Financial Information An investment advisor must provide financial information if a threshold of fee prepayments is met and if there is a financial condition reasonably likely to impair the ability to meet contractual commitments; or, a bankruptcy within the past ten years. PacWealth does not have any disclosure items in this section. 18  Form ADV Part 2B – Brochure Supplement Justin C. Kuntz Item 1 This Brochure Supplement provides information about Justin C. Kuntz and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about Justin C. Kuntz is available on the SEC’s website at: www.advisorinfo.sec.gov Justin C. Kuntz, Managing Director 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: Item 2 Educational Background and Business Experience ® Name: Year of Birth: CRD #: Education: Business History: Justin C. Kuntz, CFP 1989 5983198 Graduated with a BA in Economics and a minor in Art History from the University of California, Davis in 2011. Managing Member of Pacific Wealth Management from 01/23 to present. Investment Advisor Representative of Pacific Wealth Management, LLC from 11/13 to present. Resident Insurance Agent from 03/12 to present. Registered Representative of Girard Services, Inc. from 11/13 to 10/17. Investment Advisor Representative of Wells Fargo Advisors, LLC from 10/12 to 06/13. Investment Advisor Representative of Thrivent Investment Management from 02/12 to 10/12. Professional Designations and Qualification: Registered Representative of Thrivent Investment Management, Inc. from 12/11 to 10/12. ® ® (CFP ) Certified Financial Planner ® ® - Certified Financial Planner designation is issued by the Certified Financial Planner Board of CFP • Standards, Inc. Candidates must meet the following requirements: • • • • Item 3 Complete CFP education program or fulfillment but other specified credential Bachelors degree (or higher) from an accredited college or university Three years of full-time personal financial planning experience Pass the CFP certification exam Disciplinary Information Continuing education requirements of 30 hours every two years An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. Justin C. Kuntz does not have any disclosure items.  Form ADV Part 2B – Brochure Supplement Item 4 Other Business Activities Additional Compensation Justin Kuntz is licensed with several life insurance companies. Insurance products offered by these companies may be recommended. If clients purchase these products through Justin, he will receive the normal commissions. This a conflict of interest exists between PacWealth’s interests and those of advisory clients. The client is under no obligation to purchase products recommended, or to purchase products either through Justin, PacWealth or Item 5 through these insurance companies. Supervision Justin Kuntz may exercise agreements with other Registered Investment Advisors and recommend other Advisors to clients. In such instances, Justin may receive a portion of the account fee. In these instances, PacWealth will make available to the client a “Compensation Disclosure Statement” and the Investment Advisor Brochure for the Item 6 other Advisor. The client is under no obligation to use the services of the other Advisor(s) recommended. Justin Kuntz formulates his own investment advice. Maryam P. Anaya, Chief Compliance Officer, monitors portfolios for investment objective and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.  Form ADV Part 2B – Brochure Supplement James C. Kuntz Item 1 This Brochure Supplement provides information about James C. Kuntz and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about James C. Kuntz is available on the SEC’s website at: www.advisorinfo.sec.gov James C. Kuntz, Founder 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: Educational Background and Business Experience Item 2 ® Name: Year of Birth: CRD #: Business History: Education: James C. Kuntz, CIMA 1956 1038293 Graduated with a BA in Business Administration from Rutgers University in 1978. Managing Member of Pacific Wealth Management from 06/00 to 12/22. Investment Advisor Representative of Pacific Wealth Management, LLC from 10/01 to present. Resident Insurance Agent from 07/98 to present. Registered Representative of Girard Services, Inc. from 03/05 to 10/17. Investment Advisor Representative of Girard Securities, Inc. from 03/05 to 10/17. Professional Designations and Qualification: Co-Managing Member of Pacific Divorce Management, LLC from 01/09 to 03/17. ® ® (CIMA ) Certified Investment Management Analyst ® ® - Certified Investment Management Analyst designation is issued by the Investment Management CIMA • Consultants Association. Candidates must meet the following requirements: • • • Item 3 Complete self-study course and one-week classroom education program provided by an AACSB accredited university business school Three years of verifiable financial services experience Pass an online exam and an in-class final certification examination for classroom education program Disciplinary Information Continuing education requirements of 40 hours every two years An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. James C. Kuntz does not have any disclosure items.  Form ADV Part 2B – Brochure Supplement Item 4 Other Business Activities Additional Compensation James Kuntz is licensed with several life insurance companies. Insurance products offered by these companies may be recommended. If clients purchase these products through James, he will receive the normal commissions. This a conflict of interest exists between PacWealth’s interests and those of advisory clients. The client is under no obligation to purchase products recommended, or to purchase products either through James, PacWealth or Item 5 through these insurance companies. Supervision James Kuntz may exercise agreements with other Registered Investment Advisors and recommend other Advisors to clients. In such instances, James may receive a portion of the account fee. In these instances, PacWealth will make available to the client a “Compensation Disclosure Statement” and the Investment Advisor Brochure for the Item 6 other Advisor. The client is under no obligation to use the services of the other Advisor(s) recommended. James Kuntz formulates his own investment advice. Maryam P. Anaya, Compliance Officer, monitors portfolios for investment objective and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.  Form ADV Part 2B – Brochure Supplement Isaac J. Cardoza Item 1 This Brochure Supplement provides information about Isaac J. Cardoza and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about Isaac J. Cardoza is available on the SEC’s website at: www.advisorinfo.sec.gov Isaac J. Cardoza, Wealth Advisor 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: Educational Background and Business Experience Item 2 ® Name: Year of Birth: CRD #: Education: Business History: Isaac J. Cardoza, CFP 1993 6804166 Graduated with a BS in Business Administration with an emphasis in financial services from San Diego State University in 2017. Wealth Advisor of Pacific Wealth Management from 11/23 to present. Investment Advisor Representative of Pacific Wealth Management, LLC from 11/23 to present. Professional Designations and Qualification: Paraplanner of Honeycutt, Smith & Associates from 05/17 to 10/23. ® ® (CFP ) Certified Financial Planner ® ® - Certified Financial Planner designation is issued by the Certified Financial Planner Board of CFP • Standards, Inc. Candidates must meet the following requirements: • • • • Item 3 Complete CFP education program or fulfillment but other specified credential Bachelors degree (or higher) from an accredited college or university Three years of full-time personal financial planning experience Pass the CFP certification exam Disciplinary Information Continuing education requirements of 30 hours every two years Other Business Activities An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. Item 4 Isaac J. Cardoza does not have any disclosure items. Not applicable.  Form ADV Part 2B – Brochure Supplement Item 5 Additional Compensation Supervision Isaac Cardoza may exercise agreements with other Registered Investment Advisors and recommend other Advisors to clients. In such instances, Isaac may receive a portion of the account fee. In these instances, PacWealth will make available to the client a “Compensation Disclosure Statement” and the Investment Advisor Brochure for Item 6 the other Advisor. The client is under no obligation to use the services of the other Advisor(s) recommended. Isaac Cardoza formulates his own investment advice. Maryam P. Anaya, Chief Compliance Officer, monitors portfolios for investment objective and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.  Form ADV Part 2B – Brochure Supplement Michael L. Lim Item 1 This Brochure Supplement provides information about Michael Lim and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about Michael Lim is available on the SEC’s website at: www.advisorinfo.sec.gov Michael Lim 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: Item 2 Educational Background and Business Experience ® Name: Year of Birth: CRD #: Business History: Education: Michael L. Lim, CRPS 1966 2486329 Graduated with a BA in Economics from San Diego State University in 1990. Portfolio Manager of Pacific Wealth Management from 02/98 to present. Investment Advisor Representative of Pacific Wealth Management, LLC from 10/01 to present. Resident Insurance Agent from 10/99 to present. Registered Representative of Girard Services, Inc. from 03/05 to 10/17. Investment Advisor Representative of Girard Securities, Inc. from 03/05 to 10/17. Professional Designations and Qualification: ® ® (CRPS ) Certified Retirement Plans Specialist ® ® designation is issued by the College for Financial Planning. CRPS - Certified Retirement Plans Specialist • Candidates must meet the following requirements: • • Item 3 Complete online instructor led or self-study course Pass the final designation exam Disciplinary Information Continuing education requirements of 16 hours every two years Other Business Activities An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. Item 4 Michael Lim does not have any disclosure items. Michael Lim is licensed with several life insurance companies. Insurance products offered by these companies may be recommended. If clients purchase these products through Michael, he will receive the normal commissions. This  Form ADV Part 2B – Brochure Supplement Additional Compensation a conflict of interest exists between PacWealth’s interests and those of advisory clients. The client is under no obligation to purchase products recommended, or to purchase products either through Michael, PacWealth or Item 5 through these insurance companies. Supervision Item 6 Not applicable Michael Lim assists advisors of PWM with the implementation and monitoring of portfolios along with client contact and thus provides their and his own investment advice. Maryam P. Anaya, Chief Compliance Officer, monitors portfolios for investment objective and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.  Form ADV Part 2B – Brochure Supplement John P. Mayer Item 1 This Brochure Supplement provides information about John P. Mayer and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about John P. Mayer is available on the SEC’s website at: www.advisorinfo.sec.gov Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: John P. Mayer (J.P.) 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Item 2 Educational Background and Business Experience ® Name: Year of Birth: CRD #: Education: Business History: J.P. Mayer, CFP 1986 6905535 Graduated with a BA in Interdisciplinary Studies from University of California, Berkeley in 2010. Graduated with a MSBA in Financial and Tax Planning from San Diego State University in 2018. Director of Research of Pacific Wealth Management from 07/20 to present. Investment Advisor Representative of Pacific Wealth Management, LLC from 08/18 to present. Registered Representative of Pruco Securities, LLC. From 03/18 to 04/18. Professional Designations and Qualification: Resident Insurance Agent from 02/18 to present. ® ® (CFP ) Certified Financial Planner ® ® - Certified Financial Planner designation is issued by the Certified Financial Planner Board of CFP • Standards, Inc. Candidates must meet the following requirements: • • • • Item 3 Complete CFP education program or fulfillment but other specified credential Bachelors degree (or higher) from an accredited college or university Three years of full-time personal financial planning experience Pass the CFP certification exam Disciplinary Information Continuing education requirements of 30 hours every two years  Form ADV Part 2B – Brochure Supplement Other Business Activities An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. Item 4 J.P. Mayer does not have any disclosure items. Additional Compensation J.P. Mayer is licensed with several life insurance companies. Insurance products offered by these companies may be recommended. If clients purchase these products through J.P., he will receive the normal commissions. This a conflict of interest exists between PacWealth’s interests and those of advisory clients. The client is under no obligation to purchase products recommended, or to purchase products either through J.P., PacWealth or through Item 5 these insurance companies. Supervision Item 6 Not applicable J.P. assists advisors of PacWealth with the implementation, monitoring and client contact and thus provides their and his own investment advice. Maryam P. Anaya, Chief Compliance Officer, monitors portfolios for investment objectives and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.  Form ADV Part 2B – Brochure Supplement Marjorie F. Smith Item 1 This Brochure Supplement provides information about Marjorie F. Smith and is included within the Pacific Wealth Management Investment Advisor Brochure. Please contact Maryam P. Anaya, Chief Compliance Officer, using one of the methods listed on the cover page of this brochure if you have any questions about the contents of this supplement. Additional information about Marjorie F. Smith is available on the SEC’s website at: www.advisorinfo.sec.gov Name of Investment Advisor: Representative/Supervised Person Address: Phone Number: Website Address: E-mail Address: Date of Last Revision: Marjorie F. Smith (Margie) 11512 El Camino Real, Suite 350, San Diego, CA 92130 858-509-9797 www.pacwealth.com contactus@pacwealth.com 03/27/2026 Item 2 Educational Background and Business Experience ® Name: Year of Birth: CRD #: Education: Business History: Marjorie F. Smith, CFP 1974 6803652 Graduated with a BA in English from Washington and Lee University in 1997. Graduated with a MA in Literature from University of Virginia in 2000. Investment Advisor Representative of Pacific Wealth Management, LLC from 04/21 to present. Resident Insurance Agent from 02/18 to present. Professional Designations and Qualification: ® ® (CFP ) Certified Financial Planner ® ® - Certified Financial Planner designation is issued by the Certified Financial Planner Board of CFP • Standards, Inc. Candidates must meet the following requirements: • • • • Item 3 Complete CFP education program or fulfillment but other specified credential Bachelors degree (or higher) from an accredited college or university Three years of full-time personal financial planning experience Pass the CFP certification exam Disciplinary Information Continuing education requirements of 30 hours every two years Other Business Activities An investment advisor and its supervised persons (IA Reps) must disclose material facts about any legal or disciplinary event that is material to a client’s evaluation of the advisory business or of the integrity of the IA. Rep. Item 4 Margie Smith does not have any disclosure items.  Form ADV Part 2B – Brochure Supplement Margie Smith is licensed with several life insurance companies. Insurance products offered by these companies may be recommended. If clients purchase these products through Margie, he will receive the normal commissions. This a conflict of interest exists between PacWealth’s interests and those of advisory clients. The client is under no obligation to purchase products recommended, or to purchase products either through Margie, PacWealth or through these insurance companies. Additional Compensation Margie Smith is an independent contractor for Sage Settlement Consulting, a structured settlement company. The business is not investment related. This is separate and distinct from the services offered by PacWealth. A structured settlement is a way for an individual to receive future periodic payments in the form of a structured settlement rather than taking funds as a cash lump sum. Through Sage, Margie advises individuals who are receiving settlement funds regarding their structured settlement options. These options include use of a fixed annuity through a life insurance company or use of a market-correlated program (e.g., Fee Structure Plus or Settlements Plus) administered by Structures, LLC, an independent product development company. Margie is compensated through receipt of a portion of the insurance commission (up to 80% of the commission received by Sage). PacWealth does not receive any portion of the structured settlement related compensation. While cross- marketing opportunities exist between PacWealth and Sage, clients of PacWealth are not required to use Sage for structured settlements and Sage structured settlement clients are not required to use PacWealth for asset Item 5 management or financial planning. Supervision Margie Smith may exercise agreements with other Registered Investment Advisors and recommend other Advisors to clients. In such instances, Justin may receive a portion of the account fee. In these instances, PacWealth will make available to the client a “Compensation Disclosure Statement” and the Investment Advisor Brochure for the Item 6 other Advisor. The client is under no obligation to use the services of the other Advisor(s) recommended. Margie Smith formulates his own investment advice. Maryam P. Anaya, Chief Compliance Officer, monitors portfolios for investment objective and other supervisory reviews. Maryam may be contacted at the phone number of the main office as shown on the cover page.