VENTURA WEALTH MANAGEMENT

VENTURA WEALTH MANAGEMENT 820 Township Line Road, Suite 100 Yardley, PA 19067 A SEC Registered Advisory Firm1 FIRM BROCHURE, MARCH 2026 this brochure, please contact us at 866.899.0068 This brochure provides information about the qualifications and business practices of Ventura Wealth Management (“Ventura Wealth”). If you have any questions about the and/or content of www.venturawealth.com. 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 Ventura Wealth is available on the SEC’s website at www.sec.gov. 1 SEC or State registration does not and should not imply any certain level of skill or training.  Ventura Wealth Management (IARD # 152301) March 2026 Page 2 Item 2. MATERIAL CHANGES There have not been any material changes to Ventura Wealth’s advisory business or personnel since the filing of its 2025 Annual ADV Amendment.  Ventura Wealth Management (IARD # 152301) March 2026 Page 3 Item 3. TABLE OF CONTENTS Item 4. Advisory Business ......................................................................................................... 4 Item 5. Fees and Compensation ................................................................................................ 7 Item 6. Performance Based Fees and Side by Side Management ............................................ 8 Item 7. Types of Clients ............................................................................................................ 8 Item 8. Methods of Analysis, Investment Strategies and Risk of Loss..................................... 8 Item 9. Disciplinary Information .............................................................................................. 9 Item 10. Other Financial Industry Activities and Affiliations ................................................... 9 Item 11. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...................................................................................................................................... 9 Item 12. Brokerage Practices ................................................................................................... 10 Item 13. Review of Accounts .................................................................................................... 11 Item 14. Client Referrals and Other Compensation ................................................................. 11 Item 15. Custody ....................................................................................................................... 11 Item 16. Investment Discretion ............................................................................................... 12 Item 17. Voting Client Securities ............................................................................................. 12 Item 18. Financial Information ................................................................................................ 12  Ventura Wealth Management (IARD # 152301) March 2026 Page 4 Item 4. ADVISORY BUSINESS Ventura Wealth is owned by its founder and President of Nick Ventura, Chief Operating Officer Daniel McElwee and Chief Investment Officer Tom Cahill. Nick’s career spans over forty years in the field of investment management, and many of the firm’s clients have been with him from the start. Nick’s areas of expertise include portfolio strategy, asset allocation, and advanced financial planning. Daniel McElwee is a graduate of The College of New Jersey and earned an MBA from the Kenan- Flagler Business School at the University of North Carolina Chapel Hill. At UNC, Dan completed concentrations in investment management, corporate finance, and global marketing. He is a graduate of New York University’s Financial Planning Certificate Program and is a CFP. Tom Cahill earned a Bachelor of Arts degree in economics from Rutgers University with a specialization in monetary and financial economics. He is a holder of both the Chartered Financial Analyst® and the Chartered Market Technician® designations. He is a member of the CFA Institute, The New York Society of Securities Analysts, and the Market Technicians Association. As of December 2025, Ventura Wealth has more than $713 million dollars in assets under management, primarily on a discretionary basis. recommendations for cash Financial Planning Services: Ventura Wealth provides its clients with financial planning and consultation services (e.g., review of flow planning, asset goals and objectives, analysis and allocation/investment planning, income tax planning, insurance planning, estate planning, retirement planning, education planning, real estate/mortgage planning, etc.). Investment Management Services: Ventura Wealth provides investment management services 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 Ventura Wealth and the client. Based upon the client’s stated investment objectives, Ventura 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, Ventura Wealth will invest client’s accounts in certain percentages amongst numerous asset classes (e.g. stocks, corporate and government bonds, ETFs, mutual funds and alternate investments) in order to maximize client’s investment returns while achieving lower volatility within pre-determined risk parameters. The following are the primary model portfolios currently offered by Ventura Wealth: Current Income Portfolio: This portfolio may include either a barbell or laddered portfolio of individual securities with the aim of providing current income within market-driven duration parameters. This portfolio seeks to preserve the principal, provide current income, and a managed maturity schedule. The portfolio can be structured to be either tax-free through municipal bonds or taxable by using specific securities types such as corporates, Treasuries, or mortgage-backed securities. At times, based on market conditions, the portfolio will incorporate other income producing securities such as REIT’s, ETF’s, MLPs’, etc.  Ventura Wealth Management (IARD # 152301) March 2026 Page 5 Moderate Allocation: The moderate allocation portfolio is a growth and income portfolio. The model is appropriate for investors that are drawing on the account, as it is designed to generate current income. The model uses mutual funds, ETF’s, individual positions, with appropriate alternative assets. Global Balanced: The global balanced portfolio is a well-diversified, asset allocation portfolio. It invests in a combination of mutual funds, ETF’s, and individual holdings. It has a global reach beyond that of a traditional 60/40 split. In addition to equity and fixed income positions, it may hold positions in alternative investments. Core Equity The core equity portfolio is an all-equity model based on the S&P 500. The model purchases individual securities, ETF’s, and mutual funds. Macroeconomic trends, along with sector specific events, lead to under or overweight positions. The portfolio manager seeks to purchase high-quality companies that are considered “best of class” to compose the majority of this model’s holdings. We may utilize options as a hedging strategy. Global Alpha: The global alpha portfolio is a theme-based, unconstrained model. The portfolio managers seek to identify macro-themes among asset classes and markets. The model has the ability to significantly overweight specific asset classes in an attempt to deliver an absolute return irrespective of market conditions. The portfolio may invest in individual securities, ETF’s, mutual funds, and other investment vehicles. We may utilize options and alternative assets as a hedging strategy. DART (The Dynamic Asset Rotation Timing Portfolio): This model follows a dynamic asset allocation process based on the underlying risk in financial markets. The portfolio’s beta is adjusted upward in low-risk environments and downward as risk increases. It is globally diversified and uses only ETFs to gain exposure to various asset classes. Under normal circumstances it is rebalanced monthly. However, during times of significant market stress it may be rebalanced intra-month. In addition to our primary investment models, Ventura Wealth does provide several additional, legacy investment models: Special Situations: The Special Situations portfolio style is for client accounts that do not fall into the traditional parameters of VWM’s other investment styles. Concentrated stock holdings, low-basis stock, accounts with high distribution rates, etc. typically fall into this investment style. Goals for  Ventura Wealth Management (IARD # 152301) March 2026 Page 6 accounts in this strategy are client-defined. For accounts in the Special Situations portfolio, the wealth management team and the portfolio management team work closely together. ETF Edge: The global balanced ETF portfolio is a total return portfolio. Its holding are primarily ETFs. It has a global reach beyond that of a traditional 60/40 split. In addition to equity and fixed income positions, it may hold positions in commodities and alternative investment ETFs. There are currently three risk levels: Conservative, Moderate, and Aggressive. These strategies are managed collectively by a committee. Mini Models (Special Situations, Balanced, and Growth): These models typically hold accounts with less than $25,000 in assets. As such, they have a small number of individual positions. Special Situations is tailored to specific, client-defined needs. Balanced replicates the traditional “pension style” investments through diversified mutual funds. Growth uses diversified ETFs to achieve higher risk-adjusted returns. Other Terms & Conditions: Prior to engaging Ventura Wealth to provide any investment advisory services, the client will be required to enter into a formal Agreement with Ventura Wealth setting forth the terms and conditions under which Ventura Wealth shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. Both Ventura Wealth's Agreement and the custodial/clearing agreement authorize the custodian to debit the account for the amount of the Ventura Wealth's investment advisory fee and to directly remit that management fee to Ventura Wealth. In the event that Ventura Wealth bills the client directly, payment is due upon receipt of Ventura Wealth’s invoice. The Agreement between Ventura Wealth and the client will continue in effect until terminated by either party. In the event the client terminates Ventura Wealth’s services, the balance of any unearned fee, if any, shall be refunded to the client. Item 5. FEES AND COMPENSATION Financial Planning and Consulting Fees: Ventura Wealth’s financial planning and consulting fees are negotiable, but generally range from $250 to $500 on an hourly rate basis, and from $2,500 to $12,500 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 Ventura Wealth to provide financial planning or consulting services, clients will be required to enter into a Financial Planning and Consulting Agreement with Ventura 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 Ventura Wealth commencing services.  Ventura Wealth Management (IARD # 152301) March 2026 Page 7 Investment Management Fees: Ventura Wealth’s investment management fee schedule (“Advisory Fees”) for accounts managed by Ventura 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% $500,001 - $1,000,000 1.25% $1,000,001 - $5,000,000+ 1.00% Ventura 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. Ventura 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. Ventura Wealth will generally recommend a broker-dealer/custodian for a client’s investment management assets. In addition to the investment management fee, the client may incur brokerage commissions and/or transaction fees for effecting certain securities transactions (i.e., transaction fees are charged for certain no-load mutual funds, commissions are charged for individual securities transactions). In addition, the client will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Client may also incur additional investment management fees assessed by independent managers. PERFORMANCE-BASED FEES and SIDE-BY-SIDE Item 6. MANAGEMENT Ventura Wealth does not charge performance-based fees. Item 7. TYPES OF CLIENTS Ventura Wealth provides investment advisory services to Individuals and High Net Worth Individuals; Trusts, Estates, Charitable Organizations; Corporations; and Pension Plans & 401(k) Minimum Account Size As a condition for starting and maintaining a relationship, Ventura Wealth generally imposes a minimum portfolio size of $500,000 for its Investment Management Services. Ventura Wealth, in its sole discretion, may accept clients with smaller portfolios based upon certain criteria including anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, pre-existing client, account retention, and pro bono activities. Ventura Wealth only accepts clients with less than the minimum portfolio size if, in its sole opinion, the smaller portfolio size will not cause a substantial increase in investment risk beyond the client’s identified risk tolerance.  Ventura Wealth Management (IARD # 152301) March 2026 Page 8 Item 8. METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS Ventura Wealth’s research process incorporates fundamental, quantitative, and technical analysis. We use several sources of independent, objective research as well as conduct our own proprietary research. Our portfolio management process emphasizes asset allocation and risk control strategies. Ventura Wealth analyzes the current global macroeconomic situation and then analyzes individual markets and sectors for the purpose of making allocation decisions. Individual investment positions and portfolios are monitored consistently and adjusted as necessary in response to prevailing market risk factors. In creating a financial plan, clients of Ventura Wealth are consulted to determine their risk profile. Annually, clients are asked to provide information on changes to their risk profile, as well as their financial health. Savings rates, withdrawal rates, and other major cash flows are monitored regularly. Sophisticated financial plans are created using analytical software to help guide the placement of assets into appropriate investment vehicles. Client education seminars and materials are provided regularly to promote client awareness of applicable financial topics and fluctuations in the global financial markets. Ventura Wealth does not guarantee the future performance of any account or any specific level of performance, the success of any investment decision or strategy that Ventura Wealth may use, or the success of Ventura Wealth’ overall investment management. All investment decisions are subject to various markets, currency, economic, political, and business risks, and those investment decisions will not always be profitable. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify Ventura Wealth if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising Ventura Wealth’s previous recommendations and/or services. Item 9. DISCIPLINARY INFORMATION Ventura Wealth and its personnel have not been the subject of any reportable disciplinary information. Item 10. OTHER FINANCIAL INDUSTRY AFFILIATIONS Ventura Wealth is affiliated with Ventura Wealth Insurance Services, LLC (VWIS”). VWIS and Ventura Wealth are owned by the same principals, Nick Ventura, Daniel McElwee, and Tom Cahill. VWIS is an insurance agency in which certain of Ventura Wealth’s advisory affiliates conduct insurance activities as forth below: Licensed Insurance Representatives: Ventura Wealth’s Advisory Affiliates, in their individual capacities, are licensed insurance producers and may recommend the purchase of certain insurance products to its clients. Although Ventura Wealth does not sell insurance products, it permits its Advisory Affiliates, licensed insurance producers, to sell insurance products to its investment advisory clients. A conflict of interest exists to the extent that Ventura Wealth’s Advisory Affiliates recommend the purchase of insurance products and receive insurance commissions or additional compensation as a result. Such conflict is disclosed at time of sale and in this Brochure to the client.  Ventura Wealth Management (IARD # 152301) March 2026 Page 9 11. CODE OF ETHICS, PARTICIPATION IN CLIENT Item TRANSACTIONS AND PERSONAL TRADING Ventura Wealth or related persons may own an interest in, or buy and sell for their own account, the same securities that may also be held, purchased or sold in client accounts. In all cases, clients’ orders are given priority. In no case shall the adviser or associate receive a better price or more favorable circumstance than a client. In some cases, the adviser may buy or sell a specific security for their own account, which the adviser does not consider appropriate for client accounts. Ventura Wealth has implemented an investment policy relative to personal securities transactions. This investment policy is part of Ventura Wealth’s overall Code of Ethics which serves to establish a standard of business conduct for all of Ventura Wealth’s Associated Persons that is based upon fundamental principles of openness, integrity, honesty and trust, a copy of which is available upon request. In accordance with Section 204A of the Investment Advisers Act of 1940, Ventura Wealth also maintains and enforces written policies reasonably designed to prevent the misuse of material non- public information by Ventura Wealth or any person associated with Ventura Wealth. Ventura Wealth has adopted procedures to implement the firm’s policy on personal securities transactions and reviews to monitor and ensure the firm’s policy is observed, implemented properly, and amended or updated, as appropriate. Ventura Wealth’s access persons primarily invest along with the firm’s advisory clients within several investment models managed by the firm. These investment models are “block traded” such that all accounts (clients and access persons) receive the exact same price. Notwithstanding, when different investment models trade on the same day, an access person may receive a different price than the Firm’s advisory clients. Any such price discrepancy is solely due to separate investment models executing block transactions at different times. Item 12. BROKERAGE PRACTICES 1. Research and Other Soft Dollar Benefits: Although not a material consideration when determining whether to recommend that a client utilize the services of a particular broker-dealer/custodian, Ventura Wealth may receive from a broker- dealer/custodian (e.g., Pershing or Charles Schwab & Co, In,) without cost (and/or at a discount) support services and/or products, certain of which assist Ventura Wealth to better monitor and service client accounts maintained at such institutions. Included within the support services that may be obtained by the Ventura Wealth may be investment-related research, pricing information and market data, software and other technology that provide access to client account data, compliance and/or practice management-related publications, discounted or gratis consulting services, discounted and/or gratis attendance at conferences, meetings, and other educational and/or social events, marketing support, computer hardware and/or software and/or other products used by Ventura Wealth in furtherance of its investment advisory business operations. As indicated above, certain of the support services and/or products that may be received assist Ventura Wealth in managing and administering client accounts. Others do not directly provide such assistance, but rather assist Ventura Wealth to manage and further develop its business enterprise.  Ventura Wealth Management (IARD # 152301) March 2026 Page 10 Ventura Wealth’s clients do not pay more for investment transactions effected and/or assets maintained at a particular broker-dealer/custodian as a result of this arrangement. There is no corresponding commitment made by Ventura Wealth to any particular broker-dealer/custodian or to any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities, or other investment products as a result of the above arrangement. 2. Brokerage for Client Referrals: Ventura Wealth does not receive client referrals from any broker-dealer custodian. 3. Directed Brokerage: The client may direct Ventura Wealth to use a particular broker-dealer (subject to Ventura Wealth’ right to decline and/or terminate the engagement) to execute some or all transactions for the client's account. In such event, the client will negotiate terms and arrangements for the account with that broker-dealer, and Ventura Wealth will be unable to seek better execution services or prices from other broker-dealers or be able to "bunch" the client's transactions with orders for other client’s accounts managed by Ventura Wealth. As a result, these clients 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. Ventura Wealth seeks to execute orders for its clients fairly and equitably. Ventura Wealth follows written procedures pursuant to which it may, and to the extent consistent with Best Execution, combine purchase or sale orders for the same security for multiple clients (sometimes called “bunching”) so that they can be executed at the same time. The procedures for bunching trades may differ depending on the particular strategy or type of investment. Ventura Wealth is not required to bunch or aggregate orders if it determines that bunching or aggregating is not practical. When client orders are bunched by Ventura Wealth, the order with be placed with the broker-dealer custodian for execution. When a bunched order is completely filled, Ventura Wealth generally will allocate the securities purchased or proceeds of sale among participating accounts based on the purchase or sale order. Adjustments or changes may be made by Ventura Wealth under certain circumstances, such as to avoid odd lots or excessively small allocations. If the bunched order is filled at different prices, through multiple trades, generally all such participating accounts will receive the average price. When a bunched order is partially filled, Ventura Wealth’ procedures provide that the securities are to be allocated in a manner deemed fair and equitable to clients. Item 13. REVIEW OF ACCOUNTS Account reviews are conducted on an ongoing basis by Ventura Wealth’s principals or designees. All investment management clients are required to discuss with Ventura Wealth their investment objectives, needs and goals and to keep the firm informed of any changes. All clients are encouraged to meet at least annually with the adviser to review financial planning issues, including investment objectives and performance.  Ventura Wealth Management (IARD # 152301) March 2026 Page 11 Item 14. CLIENT REFERRALS AND OTHER COMPENSATION Ventura Wealth has entered into a Solicitor Agreement with Phoenix Investment Management. The percentage of the advisory fee to be paid to the Solicitor is jointly determined by Ventura Wealth and the Solicitor, based primarily on the projected amount of investment advisory services that will be provided to the advisory Client. Ventura Wealth’s advisory fees do not differ between referred and non- referred accounts but are determined based on the level of assets managed. Certain terms of the agreement with the Solicitor are disclosed in writing to referred Clients in a Solicitor's Disclosure Statement Pursuant to Rule 206(4)-1 of the Investment Advisers Act of 1940, as amended. Item 15. CUSTODY Ventura Wealth does not maintain physical custody client assets. Ventura Wealth engages several qualified, nationally recognized SEC registered broker-dealers to custody and safe keep client assets. Ventura Wealth’s Agreement and/or the separate agreement with its custodian may authorize Ventura Wealth through such custodian to debit the client’s account for the amount of Ventura Wealth’s fee and to directly remit that management fee to Ventura Wealth. Such an arrangement is considered to by Custody. In accordance with applicable custody rules, the custodians recommended by Ventura Wealth have agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account. Ventura Wealth effects third party asset transfers in client accounts using a Standing Letter of Authorization (“SLOA”). Pursuant to the SEC No Action Letter, Ventura Wealth is deemed to have Custody over these accounts. Accordingly, Ventura 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, Ventura Wealth is in close collaboration to ensure compliance with the SEC guidance. Item 16. INVESTMENT DISCRETION Ventura Wealth primarily provides advisory services on a discretionary basis. Ventura Wealth is considered to exercise discretion over a client’s account if it can effect transactions without first having to seek client consent. Ventura Wealth is given this limited power of attorney authority in the Advisory Agreement executed by the client. Clients may request a limitation on this authority (such as certain securities not be bought or sold) subject to Ventura Wealth’s acceptance of such limitation. Item 17. VOTING CLIENT SECURITIES Ventura Wealth does not vote client proxies. Ventura 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. Ventura 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, Ventura Wealth generally will not make any filings in connection with any shareholder class action lawsuits involving securities  Ventura Wealth Management (IARD # 152301) March 2026 Page 12 currently or previously held in clients’ accounts. Ventura Wealth recommends that its clients promptly review these materials, as they identify important deadlines and may require action on the client’s part. Ventura 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 Based upon Ventura Wealth’s business practices, use of a qualified custodian and advisory fee procedures, the SEC does not require the disclosure of financial information. Please be advised that there are no known financial conditions that would impair Ventura Wealth’s ability to meet contractual commitments to clients. Ventura Wealth has not been the subject of any bankruptcy petition or filing.