JULY 2020

Item 1 – Introduction: Is an investment advisory account right for you?

Denk Strategic Wealth Partners is registered with the Arizona Corporation Commission as an investment adviser. Please be aware that brokerage and investment advisory services and fees differ and that it is important for you to understand the differences. Free and simple tools are available to research firms and financial advisors at, which also provides educational materials about broker-dealers, investment advisors, and investing.

Item 2 – What investment services and advice can you provide me?

Principle Services. We offer investment advisory services to retail investors, advice in connection with financial planning, and consulting services. Our principle services include: Access to cash and margin accounts, including advisory and retirement accounts, through our custodian TD Ameritrade. We provide advice regarding stocks, bonds, mutual funds, exchange-traded funds (ETF’s), variable annuities, variable life insurance policies, alternative investments and various other securities.
Monitoring. We monitor your account on an ongoing basis as part of our standard ongoing advisory services. We don’t monitor investments you purchase to implement advice we provide in financial plans unless you separately engage us to do so.
Investment Authority. You may grant us discretionary investment authority in your advisory accounts by providing written authorization. If so, you authorize us to purchase and sell investments for you without your approval of individual transactions. Discretionary authority continues unless you revoke it in writing.
Account Requirements. Our advisory programs impose minimum investments generally ranging from $100,000. Minimums vary and may be negotiable.

For additional information please refer to items 4, 7, and 13 of our Form ADV Part 2A at the following link:

Conversation Starters. (Questions you might ask your financial advisor:
 “Given my financial situation, should I choose an investment advisory service? Why or why not?”
 “How will you choose investments to recommend to me?”
 “What is your relevant experience, including your licenses, education and other qualifications?” “What do these qualifications mean?”

Item 3 – What fees will I pay?

Description of Principal Fees and Costs.
Our company is primarily compensated by a percentage of assets under management or hourly fees. The more assets there are in your advisory account, the more you will pay in fees. Therefore, we have an incentive to encourage you to increase the assets in your account. For financial planning services, you will pay a fixed fee up front or as stated in your contract.
For additional information regarding our fees, please see Item 5 of our Form ADV Part 2A at the following link:
Description of Other Fees and Costs.
The fees that you pay to our firm for investment advisory services are separate and distinct from the fees and expenses charged by investment companies (such as mutual funds and exchange-traded funds). These fees are described in each fund’s prospectus and will generally include a management fee and other fund expenses. You may also incur transaction charges when purchasing or selling securities. These charges are typically imposed by the custodian that executes the trade.
 You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

Conversation Starter: Ask your financial advisor –
 “Help me understand how these fees and costs might affect my investments.”, “If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?”

Standard of Conduct.

Conversation Starter Questions. Ask your financial advisor –
 “What are your legal obligations to me when acting as my investment adviser?”, “How else does your firm make money and what conflicts of interest do you have?”

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:

 All investment advisers face conflicts of interest which are inherent in the business. Our primary source of compensation is through asset-based fees. Therefore, we are incentivized to acquire new clients and to increase assets under management. Other conflicts of interest result from other business activities we engage in and relationships we have with business partners and third parties, or affiliations we have established with other financial institutions.

Conversation Starter Questions. Ask your financial advisor –
 How might your conflicts of interest affect me, and will you address them?
Please refer to our Form ADV Part 2A and/or Form ADV Part 2A Appendix 1 for further information on our conflicts of interest and how we address them at the following link:
 How do your financial advisors make money?
Our Investment Advisory Representatives are compensated by a salary. Therefore, our financial advisors have an incentive to encourage you to increase the assets in your account. They receive no third-party payments or revenue sharing compensation.

(Our representatives are also insurance agents and registered representatives with Lincoln Financial Services (LFS), a securities broker-dealer. This creates a conflict of interest because these persons will receive additional commission-based compensation in connection with the purchase and sale of insurance and securities, including 12b-1 fees for the sale of certain investment company products. You are not required to purchase insurance or securities from our financial advisors.)

Item 4 – Do you or your advisors have legal or disciplinary history?

Conversation Starter: Ask your financial advisor –
 “As advisors, do you have any disciplinary history? For what type of conduct?”

No, our firm and advisors do not have reportable legal and/or disciplinary history.
 For a free, simple search tool to research us and our financial advisors, please visit

Item 5 – Additional Information

For additional information about our advisory services, please refer to our Form ADV Part 2A brochure available at: and the individual Form ADV Part 2B brochures supplements your representative provides. If you have any questions, need up-to-date information and/or need a copy of this Client Relationship Summary, please contact us at (602) 252-8700.

Conversation Starter: Ask your financial advisor –
 “Who is my primary contact person?”
 “Is he or she a representative of an investment adviser or a broker-dealer?”
 “Who can I talk to if I have concerns about how this person is treating me?”


JULY 2020
Ronald Denk is an investment adviser representative of Denk Strategic Wealth Partners, an investment advisory firm that is not an affiliate of Lincoln Financial Securities Corporation (LFS). Through LFS, both Ronald Denk and Anton Denk are solely licensed as a registered representative of the broker-dealer and not licensed as an investment adviser representative of LFS. As such, they are only licensed and qualified to act in a broker-dealer capacity regarding the advice and recommendations that they may provide to you through LFS. Please see LFS’ Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFS offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other matters. LFS’ Regulation Best Interest Disclosure Document, which describes LFS’ broker-dealer services, and other client disclosure documents can be found here