{"url":"https://nivawealth.com/firms/mk3-wealth-305760","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/305760","regulatoryAum":113141146,"crd":"305760","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8254188","suffix":null,"lastName":"Montenero","firstName":"Kiersten","middleName":null},{"crd":"2393967","suffix":null,"lastName":"MONTENERO","firstName":"MATTHEW","middleName":"SCOTT"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-136283","legalName":"MK3 Wealth LLC","displayName":"MK3 Wealth","slug":"mk3-wealth-305760","website":"https://mk3wealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"New Jersey limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1800 Chapel Avenue West, Suite 340","city":"Cherry Hill","state":"NJ","stateName":"New Jersey","country":"United States","postalCode":"08002"},"tradeNames":[],"registration":{"secApproved":"10 June 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1216392.4,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":113141146,"discretionary":113141146,"discretionaryAccounts":223,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":56,"regulatoryAum":24622599},{"label":"High-net-worth individuals","clients":29,"regulatoryAum":78770755},{"label":"Pension and profit-sharing plans","clients":0,"fewerThan5":true,"regulatoryAum":7472424},{"label":"Charitable organizations","clients":0,"fewerThan5":true,"regulatoryAum":447840},{"label":"Corporations and other businesses","clients":0,"fewerThan5":true,"regulatoryAum":1827528}],"feePrograms":[{"role":"main","program":"Investment Management Fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041603","versionId":1041603,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-04-15","documentName":"DISCLOSURE BROCHURE","fee_rate_low":0.75,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Financial planning and consulting fees are negotiable, generally $400 an hour, or a fixed fee from $1,000 to $25,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041603","versionId":1041603,"submittedOn":"2026-04-15","documentName":"DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:27:34.585687+00:00","documents":[{"name":"DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041603","versionId":1041603,"submittedOn":"2026-04-15"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Omaha, NE","smaAssets":113141146}],"custodyNote":"MK3 Wealth does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Matthew Montenero","title":"Principal and CCO","crd":"2393967"}],"ownership":[{"label":"Matthew Montenero","detail":"Principal and cco in the 75% or more ownership band and a control person, since October 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":1,"addresses":[{"street":"1800 Chapel Avenue West, Suite 340","city":"Cherry Hill","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"856-545-0077","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":83},{"label":"U.S. government/agency bonds","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":6},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"6 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/305760/PDF/305760.pdf","brochureDate":"15 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041603","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does MK3 Wealth have?","answer":"MK3 Wealth has 85 clients and manages $113 million for them, as of July 2026. They include 56 individual clients and 29 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does MK3 Wealth offer?","answer":"MK3 Wealth provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does MK3 Wealth charge?","answer":"MK3 Wealth charges 0.75%–1.50% a year for its Investment Management Fees. The fee is billed in advance and is negotiable.","source":"DISCLOSURE BROCHURE, filed 15 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does MK3 Wealth use?","answer":"MK3 Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $113M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does MK3 Wealth have?","answer":"MK3 Wealth has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does MK3 Wealth invest in?","answer":"At the end of its last fiscal year, MK3 Wealth’s separately managed accounts held 83% exchange-traded equities, 10% U.S. government and agency bonds, 6% registered funds (mutual funds, ETFs, BDCs) and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns MK3 Wealth?","answer":"MK3 Wealth’s direct owner is Matthew Montenero (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does MK3 Wealth get paid?","answer":"MK3 Wealth is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact MK3 Wealth?","answer":"MK3 Wealth’s main office is at 1800 Chapel Avenue West, Suite 340, Cherry Hill, NJ 08002. Its phone number is 856-545-0077. Its website is mk3wealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}