Working with Clark Wealth Management Group is an ongoing, long‑term advisory relationship built around relationships, clarity, and consistency.

Clients come to us when they are ready to simplify financial decision‑making and place oversight of their investments with a financial advisor.

The Relationship Structure

We operate primarily as a discretionary, decision‑led advisory practice. Day‑to‑day investment decisions are made by us and communicated to the client within the framework agreed upon at the outset of the relationship. Emergencies are considered an exception with all hands on deck.

Clients are not expected to monitor markets, approve routine activity, or react to short‑term volatility. They are, though, welcome to call anytime. Our role is to manage those decisions deliberately and communicate when action is required.

The Onboarding Process

New client relationships begin with a structured onboarding phase where we:

• Establish objectives and constraints
• Review assets, accounts, and tax considerations
• Define portfolio structure and risk parameters
• Align expectations around communication and oversight

This phase is intentionally thorough. We prefer to get the structure right at the beginning rather than adjust constantly later.

High Level of Communication & Periodic Reviews

Client communication is purposeful, not reactive.

Formal reviews are conducted at a minimum annually to assess alignment, risk, and progress.

Interim communication occurs when circumstances, markets, or client needs warrant it.

Market noise does not drive outreach or activity.

Our clients value fewer, more meaningful conversations – not constant updates.

Decision Discipline During Volatility

Market volatility is expected. Emotional reactions are not acted upon without a full review of the pros and cons.

Our approach emphasizes:

• Staying within defined guardrails
• Evaluating decisions in context
• Avoiding reactionary changes that undermine long‑term outcomes

This discipline is one of the primary reasons clients choose to delegate.

Planning Integration

Financial planning may drive investment decisions, but it does not dictate activity. Planning tools are used to identify risks, trade-offs, and constraints – particularly around retirement timing, tax planning, and estate planning considerations. They do not dictate implementations and are integrated into portfolio reviews as needed.

Mutual Expectations

This relationship works best when:

• Clients value guidance
• Expectations are clear
• Decisions are trusted
• Time horizons are long

We do not operate as an on‑demand guidance service nor do we engage in one‑off transactions.

Long‑Term by Design

Our goal is not short‑term outcomes or frequent action. It is to provide steady, disciplined oversight across full market cycles and life transitions.

Most client relationships span decades.

A minimum investment applies within the various investment advisory programs. There are other costs associated with these programs, including but not limited to: execution costs for trades effected with other broker-dealers, exchange fees, transfer or other taxes, interest expense, any third-party account or administrative fees, wire transfer fees, any internal expenses charged by mutual funds or other investment companies, and the costs associated with products and services not described in the applicable Advisory Agreement. Ask a Stifel Financial Advisor for the Advisory Disclosure Brochure, which further outlines the fees, services, exclusions, and disclosures associated with these programs. You should consider all terms and conditions before deciding whether fee-based investing and any particular strategy is appropriate for your needs. Portfolios invest in a wide variety of securities and use a variety of strategies to pursue the objective. You should carefully review all of the portfolio-related materials that are available to you for a full understanding of the strategy and related risks.

Asset allocation does not ensure a profit or protect against loss. Stifel does not provide legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.