Ark Wealth Management LLC

Item 5: Fees and Compensation
Portfolio Management, Pension Consulting Fees, and Ark Academy Program
Our current fee schedule for investment assets under management is as follows:

Assets under Management         Annual Fee Rate
$0 - $1,000,000                 1.00%
$1,000,001 - $5,000,000         0.80%
$5,000,001 - $10,000,000        0.50%
$10,000,001 and above           0.40%

The fees for Portfolio Management, Pension Consulting Services, and Ark Academy Program are
negotiable and depend upon the needs of the client and complexity of the situation. The maximum fee is
1.80% of the value of assets under management per annum. The final fee schedule is attached as an
Exhibit of the Investment Advisory Contract. Fees are paid monthly in arrears and clients may terminate
their contracts with thirty days’ written notice. The billing period is determined in the contract between
AWM and the client.

Because fees are charged in arrears, no refund policy is necessary. Advisory fees are withdrawn directly
from the client’s account. In cases where Advisor fees are directly deducted, Advisor is required to obtain
client authorization and disclose that the custodian will send statements on at least a quarterly basis to
the client wherein Advisor fees are itemized.

AWM uses the value of the account as of the last business day of the billing period, after considering
deposits and withdrawals, for purposes of determining the market value of the assets upon which the
advisory fee is based.

Fixed flat fees are also available for pension plans and shown in their respective fee schedules.

In addition to the foregoing, clients that opt to participate in AWM’s managed cash management
accounts will also be charged fees based on the schedule below. Assets held in these AWM-managed
cash management accounts do not increase the amounts of Assets under Management for purposes of
determining the annual fee rate as specified above, and the fees assessed for the AWM-managed cash
management accounts are independent of the fee scheduled and tier thresholds applicable to other
accounts.

Ark Wealth Management, LLC                                                                     Page 6 of 14
Form ADV Part 2A: June 2026

 Balance of Cash Management Account Annual Fee Rate
 Any amount                                    0.25%

Financial Planning Fees
Financial planning fees are paid via credit card, check, or ACH bank transfer.

Fixed Fees
The negotiated fixed rate for creating client financial plans is up to $100,000. Financial plans are separate
from investment management services, and are charged separately from investment advisory fees on
Assets under Management.

Fixed financial planning fees are paid 100% in advance, but never more than six months in advance.

Clients may terminate the Financial Planning Agreement without penalty, for a full refund of AWM’s fees,
within five business days of signing the Financial Planning Agreement. Thereafter, clients may terminate
the Financial Planning Agreement generally upon written notice and without refund.

Selection of Other Advisers Fees
Fees are paid monthly in arrears and clients may terminate their contracts with thirty days’ written
notice. The fee schedule will be the same as noted above. The billing period is determined in the contract
between AWM and the client.

Client Responsibility for Other Fees
Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual
fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses
charged by AWM. Please see Item 12 of this brochure regarding broker-dealers and custodians.

Prepayment of Fees
AWM collects certain fees in advance and certain fees in arrears, as indicated above. Refunds for fees
paid in advance will be returned within fourteen days to the client via check or return deposit back into
the client’s account.

Fixed fees that are collected in advance will be refunded based on the prorated amount of work
completed at the point of termination.

Outside Compensation for the Sale of Securities to Clients
AWM has a conflict of interest arising from its common ownership with Ark Insurance Group, LLC ("AIG").
This relationship creates a financial incentive for AWM to recommend that clients place insurance
business with AIG rather than with unaffiliated insurance providers, regardless of whether doing so is in
the client's best interest. Clients should consider this relationship when evaluating any insurance-related
recommendation made by AWM.

A separate conflict of interest exists because certain supervised persons of AWM are licensed insurance
agents and may directly receive commissions when clients purchase insurance policies through them. This
creates a personal financial incentive for such supervised persons to recommend insurance products, or

Ark Wealth Management, LLC                                                                     Page 7 of 14
Form ADV Part 2A: June 2026

particular insurance products, based on the compensation generated rather than solely on the client's
needs.

When recommending the sale of investment products for which AWM receives compensation, AWM will
document the conflict of interest in the client file and inform the client of the conflict of interest.

The client will not pay a commission and a investment advisory fee for the same product.

Clients always have the option to purchase AWM recommended products through other agents that are
not affiliated with AWM.

Commissions are not AWM’s primary source of compensation.

Item 7: Types of Clients
AWM generally provides advisory services to the following types of clients:

    •   Individuals
    •   High-Net-Worth Individuals
    •   Business Entities
    •   Charitable Organizations
    •   Pension and Profit-Sharing Plans

There is an account minimum of $1 million to open an account with AWM, which may be waived at
AWM’s discretion. The account minimum is waived for existing clients of our affiliated family office firm,
Ark Family Office, LLC.