Important Disclosures.

Brand and entity structure

"Stellar Wealth Management" is the marketing brand used jointly by two separate legal entities that share common ownership:

• Stellar Wealth Management LLC, a state-registered investment adviser in Alaska (CRD 342926). Provides financial planning and non-discretionary investment advisory services.
• Stelmaszek Company Ltd, a Colorado limited liability company qualified to transact business in Alaska. Operates the Enrolled Agent tax-preparation and tax-representation practice.

Both entities are wholly owned by Matthew Stelmaszek. The two entities are legally distinct, with separate engagement letters and separate fee schedules. Engagement with one entity does not obligate engagement with the other, and clients are free to use any tax preparer or investment adviser of their choosing.

Cross-referral conflict of interest

Because Matt owns both firms, recommending that a tax-side client engage Stellar Wealth Management LLC for financial planning, or that an advisory client engage Stelmaszek Company Ltd for tax preparation, creates a financial incentive to keep both relationships in-house. Clients should be aware of this incentive when receiving any such recommendation.

The firm mitigates this conflict in three ways:

• No compensation flows between the two entities for referrals. Neither entity pays the other for sending business its way.
• Fees are charged separately under separate written engagement letters with the responsible entity. Combining tax and planning engagements does not produce a discount or bundled fee.
• The recommendation to engage either firm is always disclosed as a cross-referral. The client decides whether to engage, including engaging a different professional, with no penalty.

No custody of client funds or securities

Stellar Wealth Management LLC does not take custody of client funds or securities at any time. Clients maintain their accounts at their own chosen custodian, including but not limited to TSP, employer 401(k) or 403(b), retail brokerage, bank, or credit union. The firm provides recommendations; clients implement them at the institution of their choice.

The firm does not act as a qualified custodian, does not accept client deposits, does not hold client securities, and does not receive client mail or instructions for account distributions.

Non-discretionary advisory services

Stellar Wealth Management LLC provides non-discretionary investment advice only. The firm recommends; the client decides. The client retains sole authority to implement, modify, decline, or delay any recommendation. The firm does not have authority to place trades, transfer funds, change account titling, or otherwise act on a client's behalf without specific client instruction.

Clients are free to act on any recommendation in whole, in part, or not at all, and to do so on their own timeline at the custodian of their choice.

No broker-dealer affiliation; fee-only compensation

Neither Stellar Wealth Management LLC nor Stelmaszek Company Ltd is a registered broker-dealer, and neither entity is affiliated with a broker-dealer. Neither entity receives commissions, transaction-based fees, sales loads, trailing 12b-1 fees, soft-dollar arrangements, or any other compensation contingent on securities transactions.

The only compensation either entity receives is the fee disclosed on the client's written engagement letter with the responsible entity. Stellar Wealth Management LLC operates on a fee-only basis as defined by NAPFA, the Garrett Planning Network, and the Military Qualified Financial Planner Board.

State of registration

Stellar Wealth Management LLC is registered as an investment adviser in the State of Alaska only. The firm has not made notice filings or registrations in any other state. Engagement of advisory services is generally limited to Alaska residents and to non-residents whose engagement is permitted under Alaska's "de minimis" rule (no more than five non-Alaska-resident clients in any 12-month period) or under applicable state-by-state exemptions.

Registration as an investment adviser does not imply a certain level of skill or training. Registration is a regulatory filing requirement, not an endorsement of the registrant by the State of Alaska or any other authority.

Marketing Rule compliance (SEC Rule 206(4)-1)

Per SEC Rule 206(4)-1, the Investment Adviser Marketing Rule, as adopted in Alaska under 3 AAC 08:

• No performance claims. The firm does not display performance figures, return percentages, growth claims, model-portfolio performance, or hypothetical performance for its advisory services on this website or any other marketing channel.
• No testimonials, endorsements, or third-party ratings. Form ADV Part 1 Item 5.L currently answers "No" to testimonials, endorsements, and third-party ratings. Any future use of these requires a Form ADV amendment and the specific disclosures required by Rule 206(4)-1(b)(4) (identification as a testimonial, current or former client status, compensation status, and material conflicts).
• No specific securities recommendations on public content. Educational content on this website does not name specific securities, mutual funds, ETFs, or other investment products as buy or sell recommendations. Specific recommendations live only in client deliverables under written engagement.
• No guarantees. The firm does not guarantee tax outcomes, investment returns, planning results, or specific dollar savings. Outcomes depend on facts, law, market conditions, and the client's individual circumstances.
• No urgency or scarcity framing. The firm does not use "limited time," "exclusive," "secret," or similar pressure language that could mislead a prospective client.

Code of Ethics

Stellar Wealth Management LLC has adopted a written Code of Ethics covering personal trading by the firm's Investment Adviser Representative, the handling of material non-public information, gifts and entertainment, outside business activities, political contributions, and the disclosure of conflicts of interest. The Code of Ethics applies to Matthew Stelmaszek as the firm's sole Investment Adviser Representative.

A copy of the Code of Ethics is available, free of charge, upon written request through the contact form on this site.

Form ADV

Form ADV Part 2A (the firm brochure) and Form ADV Part 2B (the brochure supplement describing Matthew Stelmaszek, the firm's sole Investment Adviser Representative) are available at the Investment Adviser Public Disclosure site (adviserinfo.sec.gov) using firm CRD 342926.

Form ADV is updated annually and within 30 days of any material change. Material changes are summarized in Item 2 of Form ADV Part 2A, and clients receive notice of material amendments per the firm's distribution practice.

Privacy

The firm's Privacy Policy describes the categories of personal information collected (including nonpublic personal information under Regulation S-P and personal information under the Alaska Personal Information Protection Act, AS 45.48), how that information is used, the limited circumstances under which it may be shared with service providers, and the rights of clients and prospective clients with respect to that information.

Website general informational purpose

The information on this website, including but not limited to articles, calculators, downloadable PDFs, and intake form responses, is provided for general informational purposes only and does not constitute personalized investment, tax, accounting, or legal advice. Past performance is not indicative of future results. Investment and tax outcomes depend on individual circumstances and current law.

Submitting the contact form on this website does not create an investment advisory or tax-preparation relationship with Stellar Wealth Management LLC or Stelmaszek Company Ltd. An advisory or tax engagement requires a written agreement signed by the client and the responsible entity.

Updates to these disclosures

Material updates to this page will be reflected here within 30 days of the change. Where the change affects a current client of either entity, that client will receive notice consistent with the firm's distribution practice and Form ADV.