PTM Wealth Management, LLC

Website & Communications Disclosure

Last Reviewed and Updated: March 2026

I.  Registration and Regulatory Status

PTM Wealth Management, LLC ("PTM Wealth," "PTM," "the Firm," "we," or "us") is registered as an investment adviser with the U.S. Securities and Exchange Commission ("SEC") under the Investment Advisers Act of 1940. PTM is located in the Commonwealth of Pennsylvania and provides investment advisory and related services for clients nationally. PTM will maintain all applicable registrations and licenses as required by the various states in which PTM conducts business. PTM renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Registration with the SEC does not imply a certain level of skill or training, nor does it constitute an endorsement of the Firm by the SEC or any other regulatory authority.

A copy of PTM Wealth's current Form ADV Part 2A (Firm Brochure), Form ADV Part 2B (Brochure Supplement), and Form CRS (Client Relationship Summary) are available upon request at no charge, or may be accessed through the SEC's Investment Adviser Public Disclosure database at adviserinfo.sec.gov. These documents describe in detail the Firm's advisory services, fee structures, disciplinary history, conflicts of interest, and other material information that prospective and current clients should review carefully.

II.  Terms of Use

Please read these terms and conditions of use ("Terms") carefully before using the website located at www.ptmwealth.com ("Website") or any of the information or services provided by PTM Wealth Management, LLC in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website and should promptly terminate all use thereof.

PTM reserves the right to change, modify, add, or remove portions of these Terms at any time for any reason. Such changes shall be effective immediately upon posting. By accessing the Website after changes have been posted, you are agreeing to the Terms as modified. You may use your browser to download or print a copy of these Terms for your records.

III.  General Information and Educational Content

The articles, market commentary, video content, and all other materials published on this website (collectively, "Content") are provided for informational and educational purposes only. The Content is not intended to constitute, and should not be construed as:

• Investment advice or a recommendation to buy, sell, or hold any security or investment product;
• Tax advice, tax planning guidance, or legal advice of any kind;
• An offer or solicitation to purchase or sell any security in any jurisdiction where such offer or solicitation would be unlawful;
• A complete statement of all risks associated with any investment strategy or financial decision; or
• A guarantee, promise, or prediction of any specific investment outcome or financial result.

All Content has been prepared in good faith based on sources believed to be accurate and reliable; however, PTM Wealth makes no representation or warranty as to the accuracy, completeness, or timeliness of any information presented. Nothing on this website should be interpreted as including an untrue statement of a material fact or omitting a material fact necessary to make the statement made not misleading.

IV.  Not Personalized Investment Advice

The Content published on this website is general in nature and does not take into account any individual's specific financial situation, investment objectives, risk tolerance, time horizon, tax circumstances, or other personal factors. No content on this website is intended to constitute personalized investment advice, and no advisory relationship is created by accessing or reading this website or its Content.

Individual investment outcomes vary and no communication on this site should be interpreted as a guaranteed result. Individuals should consult with a qualified financial adviser, attorney, and/or tax professional before making any financial, investment, or tax-related decisions. PTM Wealth's advisory services are provided exclusively pursuant to a written investment advisory agreement between the Firm and its clients.

Please remember that it remains your responsibility to advise PTM in writing if there are any changes in your personal or financial situation or investment objectives, so that we may review and revise our previous recommendations and/or services as needed. If you would like to impose, add, or modify any reasonable restrictions to our investment advisory services, please notify us promptly in writing.

V.  Past Performance Disclosure

Past performance is not indicative of future results.

Any references on this website to historical market performance, index returns, portfolio results, or investment outcomes — whether referencing specific securities, market indices, or general market conditions — are provided for illustrative and informational purposes only and do not constitute a representation that similar results will be achieved in the future.

Historical performance information on this site is presented in a fair and balanced manner and is not intended to imply that past results will recur or that any investment strategy will perform similarly under current or future market conditions. All investments involve risk, including the possible loss of principal. Market indices referenced on this website, including the S&P 500 and other benchmarks, are unmanaged, do not reflect fees, expenses, or transaction costs, and are not available for direct investment. Index performance does not represent the performance of any PTM Wealth client account or investment strategy.

VI.  Forward-Looking Statements and Market Commentary

Certain Content on this website, including market commentary, economic analysis, and geopolitical commentary, may contain forward-looking statements, opinions, projections, or estimates regarding financial markets, economic conditions, interest rates, inflation, geopolitical events, or other factors that may affect investment performance.

Forward-looking statements reflect the views and opinions of PTM Wealth or the identified author as of the date of original publication only, are based on information available at that time, and are subject to change at any time without notice. PTM Wealth does not undertake any obligation to update, revise, or supplement any forward-looking statement or market commentary following publication, even if circumstances change materially. Communications on this site are intended to be fair and balanced and do not constitute predictions or projections of future investment performance.

Forward-looking statements involve inherent risks and uncertainties. Actual events, market conditions, or investment outcomes may differ materially from those described or implied. No forward-looking statement on this website should be relied upon as a basis for any investment decision.

VII.  Tax and Legal Information

While PTM Wealth offers integrated tax planning services as part of its comprehensive wealth management practice, the general tax-related Content published on this website is intended solely to provide broad educational information about tax concepts, strategies, and considerations. Such Content:

• Does not constitute specific tax advice applicable to any individual's circumstances;
• Does not create a tax advisory, legal, or fiduciary relationship between PTM Wealth and any reader;
• May not reflect the most current tax laws, IRS guidance, or regulatory changes; and
• Should not be acted upon without first consulting a qualified tax professional regarding your specific situation.

Tax laws are complex, subject to change, and vary based on individual circumstances. The interaction between tax planning strategies and investment decisions requires individualized analysis. Readers are encouraged to consult with PTM Wealth's tax planning team or another qualified professional before taking any action based on tax-related Content on this website.

VIII.  Investment Risk Disclosures

All investing involves risk. The following risk disclosures are applicable to Content published on this website. No investment strategy can guarantee a profit or protect against loss in declining markets.

IX.  Fair and Balanced Presentation

PTM Wealth is committed to presenting Content that is not materially misleading, avoids cherry-picking of information, and adheres to the principle of fair and balanced presentation in all communications. Where Content describes potential benefits of a financial strategy, approach, or market outcome, readers should be aware that associated risks and limitations exist and may not be fully described within any single article or communication. The Firm encourages readers to seek comprehensive information before forming conclusions or making decisions based on any single piece of Content.

X.  Third-Party Content and Sources

Content on this website may reference, cite, or link to third-party sources, publications, data providers, or websites. Such references are provided for informational convenience only and do not constitute an endorsement, sponsorship, or approval by PTM Wealth of any third-party content, products, services, or opinions. PTM Wealth does not control third-party websites and is not responsible for the accuracy, completeness, or compliance of any third-party content.

When you are on this website, you may have the opportunity to click through to other websites, including websites operated by unaffiliated third parties. These sites may collect personal information about you. PTM does not control sites operated by these entities and is not responsible for the information practices of those sites. The privacy policies of third-party websites are located on those respective sites.

The Content on this website is developed from sources believed to provide accurate information; however, PTM Wealth makes no representation or warranty regarding the accuracy, timeliness, or completeness of third-party information referenced herein.

XI.  Content Currency and Publication Dates

All articles and commentary on this website reflect information, market conditions, and regulatory environments available as of their respective publication dates, which are displayed on each article. PTM Wealth does not undertake any obligation to update or revise published Content to reflect subsequent events, new information, changed market conditions, or regulatory developments.

Time-sensitive market commentary — including analyses of specific geopolitical events, economic conditions, or market trends — may become outdated rapidly. Readers accessing Content after its publication date should independently verify that the information remains current and applicable before relying upon it.

XII.  Social Media and Secondary Distribution

PTM may utilize third-party websites, including social media websites, blogs, and other interactive content. PTM considers all interactions with clients, prospective clients, and the general public on these sites to be advertisements under applicable securities regulations. As such, PTM generally retains copies of information that PTM or third parties may contribute to such sites. This information is subject to review and inspection by the CCO of PTM or the securities regulators.

This website includes functionality allowing Content to be shared via social media platforms and other third-party channels. When Content is shared or distributed outside of this website, the regulatory disclosures and context provided on this website may not accompany the shared material. PTM Wealth's full disclosure framework is available at ptmwealth.com/disclosures. Readers who access PTM Wealth Content through secondary channels are encouraged to review the full disclosure framework before relying on any shared material.

PTM Wealth's associated persons are subject to the Firm's internal policies governing secondary distribution of Content. Individuals who share firm Content through personal channels are required to do so in a manner consistent with the Firm's compliance policies and applicable regulatory requirements. Information provided on social media sites is for informational and/or educational purposes only and is not to be considered investment advice nor a recommendation of any investment product.

XIII.  Email Communications

PTM often communicates with its clients and prospective clients through electronic mail ("email") and other electronic means. Your privacy and security are very important to us. PTM makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send PTM private or sensitive information over email. If you have sensitive data to deliver, PTM can provide secure means for such delivery.

Please note: PTM does not accept trading or money movement instructions via email. As a registered investment adviser, PTM emails may be subject to inspection by the Chief Compliance Officer ("CCO") of PTM or the securities regulators. If you have received an email from PTM in error, please contact the sender and destroy the email and its contents.

XIV.  Privacy and Data Practices

PTM Wealth Management, LLC is committed to safeguarding the use of personal information of our clients. PTM does not collect personal non-public information through this website; however, PTM may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services provided. We also may collect information from other sources.

PTM Wealth Management, LLC does not share any personal information, including SMS opt-in consent, with any third-party organizations for marketing or solicitation purposes. We do not respond to "do not track" requests because we do not track you over time or across third-party websites to provide targeted advertising. We may track you across our website to help improve our content.

We may use "cookies" and similar online technologies to keep and sometimes track information about your usage of our website, including date and time of visits, pages viewed, and general information about the device used to access the site. You can refuse or delete cookies by configuring your web browser settings; however, doing so may affect certain functionality of the website.

For information about how Charles Schwab & Co., Inc. protects client account information, please visit schwab.com/privacy. For a copy of the PTM Privacy Policy, please contact us at admin@ptmwealth.com or (267) 317-1515.

XV.  Regulatory Documents and Additional Information

The following regulatory documents are available upon request or through the links provided:

To request any of the above documents, or to ask questions about PTM Wealth's services, please contact us:

Disclaimer Review and Maintenance

This disclaimer was last reviewed and updated: March 2026. PTM Wealth reviews its disclosure framework no less than annually and following any material change in its business, services, or applicable regulatory requirements, in accordance with Rule 206(4)-7 under the Investment Advisers Act of 1940. © 2026 PTM Wealth Management, LLC. All rights reserved.