A & I Financial Services LLC

Item 5 – Fees and Compensation

Asset Management Services

If you decide to engage A & I Wealth Management for asset management services, we will charge an
annual fee based upon a percentage of the market value of the assets being managed. Our fee for asset
management services is set forth in the following fee schedule:

        Assets Under Management                               Annual Fee

        Under $100,000                                             1.50%
        $100,000 to $250,000                                       1.25%
        $250,001 to $2,000,000                                     1.00%
        $2,000,001 to $5,000,000                                   0.90%
        $5,000,001 to $10,000,000                                  0.80%
        $10,000,001 to $15,000,000                                 0.65%
        $15,000,001 to $20,000,000                                 0.50%
        $20,000,001 to $25,000,000                                 0.40%
        $25,000,001 to $30,000,000                                 0.35%
        $30,000,001 to $999,999,999                                0.30%

Fees are typically billed monthly in arrears and are typically calculated based on the average daily
account balance. The initial fee charge begins the first day the account is funded. Certain third-party
money managers charge fees in arrears or in advance. Fees are prorated based on the number of days
that services are provided. The above fee schedule is negotiable based on the amount of assets under
management, the complexity of your financial situation, the complexity of the assets maintained in the
account, and other relationships we have with you. The exact fee charged is disclosed to you in the asset

A & I Wealth Management                                                           Disclosure Brochure 03/16/2026

management agreement signed by you prior to receiving services. Certain assets maintained in the
account may be exempted from management fees. For example, if we have recommended the purchase
of a commissionable security or insurance product and our representatives implement the
recommendation and earn a commission in their separate capacities as registered representatives, we do
not charge a management fee on such assets until they have been held for 24 months. In these
instances, if the assets are or will be considered managed assets, we may begin earning fees in the 25th
month after the date of purchase.

At our discretion, we may combine the account values for accounts held at our primary custodian for
individuals or family members in the same household to determine the applicable advisory fee. For
example, we may combine account values for you and your children, joint accounts with your spouse, and
other types of related accounts. Combining account values may increase the asset total, which may result
in your paying a reduced advisory fee based on the available breakpoints in our fee schedule stated
above. Accounts that are grouped by household for fee determination do not include the value of
commissionable products, such as life insurance policies, annuities, and/or brokerage products.

We assist you in establishing a managed account(s) through a qualified custodian. Typically, we require
a minimum account size of $10,000 to establish and maintain a managed account. Exceptions may be
granted to this account minimum at our discretion. We may grant exceptions based on accounts held by
members of the same household, anticipated future deposits, history with the client, and other reasons.
Certain programs offered by us require that you use a particular custodian to maintain the managed
account. If you wish to contract with us for asset management services, you are required to use only
those broker/dealers and custodians approved by us. Additionally, our representatives are also
registered representatives with Geneos Wealth Management, Inc. (Geneos), a dually registered
investment advisor and broker/dealer. Due to our representatives’ relationship with Geneos, we are
limited to using Geneos as a broker/dealer or any custodian or broker/dealer that Geneos has approved
for advisory activities.

Negotiability of Fees
We allow investment advisor representatives servicing the account to negotiate the exact investment
management fees within the range disclosed in our Form ADV Part 2A Brochure with management
approval. As a result, the Associated Person servicing your account may charge more or less for the
same service than another Associated Person of our firm. Further, our annual investment management
fee may be higher than that charged by other investment advisors offering similar services/programs.

Billing on Cash Positions
The firm treats cash and cash equivalents as an asset class. Accordingly, all cash and cash equivalent
positions (e.g., money market funds, etc.) are included as part of assets under management for purposes
of calculating the firm’s advisory fee. At any specific point in time, depending upon perceived or
anticipated market conditions/events (there being no guarantee that such anticipated market
conditions/events will occur), the firm may maintain cash and/or cash equivalent positions for defensive,
liquidity, or other purposes. While assets are maintained in cash or cash equivalents, such amounts could
miss market advances and, depending upon current yields, at any point in time, the firm’s advisory fee
could exceed the interest paid by the client’s cash or cash equivalent positions.

Periods of Portfolio Inactivity
The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of its
investment advisory services, the firm will review client portfolios on an ongoing basis to determine if any
changes are necessary based upon various factors, including but not limited to investment performance,
style drift, account additions/withdrawals, the client’s financial circumstances, and changes in the client’s
...

Item 7 – Types of Clients

We provide investment advice to the following types of clients:

    •   Individuals (including high net worth individuals)
    •   Pension and profit sharing plans
    •   Trusts, estates, or charitable organizations
    •   Corporations or business entities other than those listed above

Minimum Investment Amounts Required

For managed accounts held at Axos Advisor Services, there is a minimum of $10,000 to establish an
account. At our discretion, we may open or retain accounts with less than the required minimum due to
factors such as other related accounts, anticipated future deposits, and history with the client.

Third party managed programs generally have account minimum requirements and these minimum
requirements vary from investment advisor to investment advisor. Account minimums are generally
higher on fixed income accounts than equity-based accounts.