Act Advisors LLC

Item 5: Fees and Compensation
We charge fees established in our written agreement with the client.

Investment Advisory Services

ACT Advisors shall charge an annual investment management fee on a negotiable fee
basis based upon a percentage of the market value of the assets being managed by
ACT Advisors. Market value is defined as total value of assets in client’s account
including cash and cash equivalents plus any accrued interest. Investment
management fees are paid quarterly in advance unless a specific situation calls for a
calculation in arrears. Investment management fees shall be prorated and paid
quarterly based upon the market value of the assets on the last business day of the
previous quarter. Additions and withdrawals will be billed on a prorated basis, based on
the number of days the funds spent in the account. The Firm’s policy is to treat intra-
account additions and withdrawals equally - unless indicated to the contrary on the
Firm’s Investment Advisory & Limited Financial Planning Agreement executed by the
client. For those clients that engage ACT Advisors to provide investment supervisory
services based upon a percentage of the market value of the assets under

management, the investment management fee charged shall generally be a maximum
of 2.0%.

We may recommend that all or a portion of the Assets be managed by an Independent
Adviser. Fees charged by any such Independent Adviser and/or the provider of any
platform through which the Independent Adviser is made available are separate and in
addition to our investment management fee, and will be fully disclosed to the client on a
separate disclosure document or agreement between the client and the Independent
Adviser, if applicable.

Our receipt of an asset-based fee presents a conflict of interest. This is because the
more assets there are in the client’s account, the more the client will pay in fees.
Therefore, we have an incentive to encourage clients to increase the assets in their
accounts. We address this conflict of interest by ensuring that any such
recommendations are in the client’s best interest.

Financial Planning and Consulting Services (In addition to Investment Advisory
Services or Stand Alone)

To the extent requested and engaged by the client to do so, ACT Advisors shall provide
financial planning and/or consulting services (including investment and non-investment
related matters, including estate planning, insurance planning, etc.) for a separate fee.
The fee for which shall be based upon the individual providing the service and the
scope of the services to be provided. Prior to engaging ACT Advisors to provide
planning or consulting services, clients are generally required to enter into a Financial
Planning Services Agreement or an Investment Advisory & Limited Financial Planning
Agreement with ACT Advisors setting forth the terms and conditions of the engagement
(including termination), describing the scope of the services to be provided, and the fee
that is due from the client.

ACT Advisors will generally charge the Client an additional $600 monthly in advance for
a minimum of 24 months. ACT Advisors’ planning and consulting fees are negotiable
and may vary depending upon certain criteria. The actual fee paid by the client will be
detailed in the Financial Planning Services Agreement signed by the client. The client
may terminate the agreement with 90 days’ notice in writing, and any unearned fees will
be refunded on a prorated basis. Should ACT Advisors determine that engaging an
independent adviser to provide this service is in the Client’s best interest, Advisor will
pay independent adviser out of their own fees and such engagement will not result in an
increase in fees to Client.

Clients that engage EncorEstate Plans through us will not pay any additional fee as
ACT Advisors will cover the cost of Client’s needs. Accordingly, ACT Advisors has an
incentive to not recommend the services of EncorEstate Plans in order to not incur this
additional fee, which presents a conflict of interest. We address this conflict by
disclosing it here and recommending EncorEstate Plan’s services to any clients who we
determine are in need of such services. You are encouraged to review other options for

estate planning services as this is offered merely as a convenient perk to our clients and
not intended to imply suitability for our Advisory clients.

We may also refer clients to EncorEstate Plans for their estate planning needs outside
the scope of our arrangement. In these instances, the client will pay a separate fee
directly to EncorEstate Plans which is in addition to our fee for financial planning and
consulting services. There are other similar estate planning services available, and
Clients are not obligated to use any service providers recommended by us.

Passive Strategy Asset Management

The annual fee is based on percentage of assets under management ranging up to a
maximum of 2% for clients initiating a relationship with ACT Advisors on or after the
date of this brochure. Clients in the passive strategy are charged an additional 0.2%
annual fee. Even with the additional passive strategy fee, the firm’s overall maximum
advisory fee will not exceed 2.00% annually. Additions and withdrawals will be billed on
a prorated basis, based on the number of days the funds spent in the account.

The annual fee may be negotiated on a case by-case basis based on the asset under
management size, and other variables. The minimum investment into the passive
strategy is $5,000. In certain limited circumstances, accounts exceeding $150,000.00 in
value may be invested in this strategy.

Passive strategy asset management fees are payable quarterly in advance unless a
specific situation calls for a calculation in arrears. Passive strategy asset management
fees are deducted from client accounts by qualified custodians. Clients provide the
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Item 7: Types of clients
The advisory services offered by us are available for individuals, high net worth
individuals, individual retirement accounts (IRAs), banks and thrift institutions, pension,
and profit-sharing plans, including plans subject to Employee Retirement Income
Security Act of 1974 (ERISA), trusts, estates, charitable organizations, state and
municipal government entities, corporations, and other business entities.

For asset management clients, we have a minimum account size of $25,000. For
passive strategy clients, we have a minimum account size of $5,000.

Waivers or exceptions from the minimum account requirement may be granted at the
exclusive discretion of ACT Advisors.