Altamira Financial Group LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
AFG charges a fee as compensation for providing Investment Management services on
your account. These services include advisory and consulting services, trade entry,
investment supervision, and other account-maintenance activities. Our recommended
custodian charges transaction costs, custodial fees, redemption fees, retirement plan and
administrative fees or commissions. See Additional Fees and Expenses below for
additional details.
The fees for portfolio management are based on an annual percentage of assets under
management and are applied to the account asset value on a pro-rata basis and billed
quarterly in advance on a three-month billing cycle. Only the initial fee will be in arrears
and based upon the date the account is accepted for management by execution of the
advisory agreement by AFG or when the assets are transferred through a three month
billing cycle. The market value will be determined as reported by the Custodian. Fees are
assessed on all assets under management. Cash and money market balances are included
in the billing of the advisory fees, unless otherwise noted and agreed to in the executed
Agreement. Additional deposits and withdrawals will be added or subtracted from the
assets in a prorated basis to adjust the account fee.
Our maximum annual advisory fee for accounts paying a percentage of assets under
management will not exceed 2.50% which includes any third party money manager fees
and/or LPL Program fees. The specific advisory fees are set forth in your Investment
Advisory Agreement. Fees may vary based on the size of the account, complexity of the

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FEBRUARY 2026| PAGE 14

portfolio, extent of activity in the account or other reasons agreed upon by us and you as
the client. In certain circumstances, our fees and the timing of the fee payments may be
negotiated. Our employees and their family related accounts are charged a reduced fee
for our services.
Advanced billing is done on a three-month billing period and is the primary way fees are
assessed in advisory accounts. To calculate advanced billing AFG assumes a 365-day year
and quarters lasting 90 days. Calculations are as follows:

[(Last business day of the prior, three-month billing period x Advisory Fee) / 365] x 90 days
= Advance Billing

As part of this process, the client is made aware of the following:

         a.       You provide written authorization permitting us to be paid directly from the
                  managed account held by the independent custodian;

         b.       Our firm sends an electronic request to the custodian indicating the
                  amount of the fee to be paid from the client’s managed account;

         c.       Your independent custodian offers statements at least monthly to you
                  showing the market values for each security included in the Assets and all
                  disbursements in your account including the amount of the advisory fees
                  paid to us.

Unless otherwise instructed by the client, we will aggregate asset amounts in accounts
from your same household together to determine the advisory fee for all your accounts.
We would do this, for example, where we also service accounts on behalf of your minor
children, individual and joint accounts for a spouse, and/or other types of related
accounts.
This consolidation practice is designed to allow you the benefit of an increased asset total,
which could cause your account(s) to be assessed a lower advisory fee.
The qualified custodian holding your funds and securities will debit your account directly
for the advisory fee and pay that fee to us. You will provide written authorization
permitting the fees to be paid directly from your account held by the qualified custodian.
Further, the qualified custodian agrees to deliver an account statement quarterly directly
to you indicating all the amounts deducted from the account including our advisory fees.
At our discretion, our Firm will allow advisory fees to be paid by check as indicated in the

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FEBRUARY 2026| PAGE 15

Investment Advisory Agreement. You are encouraged to review your account statements
for accuracy.
Either AFG or you may terminate the management agreement immediately upon written
notice to the other party. If the advisory account is closed, the advisor will instruct the
custodian to credit the account, or the firm will issue a check to the client in the amount
of the refund. The management fee will be pro-rated to the date of termination, for the
billing period in which the cancellation notice was given and refunded to your account.
Upon termination, you are responsible for monitoring the securities in your account, and
we will have no further obligation to act or advise with respect to those assets. In the
event of client’s death or disability, AFG will continue management of the account until
we are notified of client’s death or disability and given alternative instructions by an
authorized party.
LPL has made available a no-transaction-fee (NTF) mutual fund network. This network of
funds will make only one share class available for specific fund families. When NTF funds
are purchased in SWM account, there are no transaction charge assessed to the client or
advisor. Sponsors of mutual funds in the NTF network pay LPL compensation to participate
in the NTF network. Not all share classes or funds within a fund family may be available
at NTF. When NTF funds are redeemed, the transaction costs are waived. Please read the
prospectus carefully before investing. There are some exceptions where LPL will continue
to offer an additional share class at $26.50, depending on the expense of the fund and
minimums instituted by the fund company. Clients should be aware that advisors may be
more likely to recommend funds that are participants in the NTF network. Please ask your
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ITEM 7 - TYPES OF CLIENTS

Our Firm works with the following types of clients: individuals, high net-worth individuals,
foundations, employer sponsored retirement plans, charitable organizations, institutions,
trusts and estates.
We impose a $25,000 minimum account value to initiate our Firm’s advisory and money
management services, however, this may be waived as deemed appropriate by the Firm.