Altura Wealth Advisors Inc

Item	5:	Fees	and	Compensation

    A.	Fee	Schedule

    Altura	is	compensated	an	asset-based	fee	for	providing	portfolio	management	services
    (a	portfolio	“Management	Fee”).	 Altura	charges	clients	Management	Fees,	monthly	or
    quarterly,	in	advance,	based	on	a	percentage	of	all	assets	under	management	(which	could	be
    held	in	one	or	more	accounts)	as	of	the	last	business	day	close	of	the	prior	relevant	billing
    month	or	quarter.	 The	Management	Fee	is	calculated	pro	rata,	and	payable	monthly	or
    quarterly,	based	on	the	percentages	shown	in	the	standard	fee	schedule	below.

    Portfolio	Management	Fee	Schedule

             Assets Under Management                     Annual Management Fee
             Up to $1,000,000                            1.35%

             $1,000,001 - $2,000,000                     1.25%

             $2,000,001 - $3,000,000                     1.15%

             $3,000,001 - $5,000,000                     1.05%

             $5,000,001 - $10,000,000                    0.90%

             Over $10,000,000                            0.75%

    Management	 Fees	 are	 generally	 negotiable,	 and	 the	 agreed	 upon	 fee	 arrangement	 is
    memorialized	in	the	client	Investment	Advisory	Contract	(“Agreement”).	Unless	a	client
    has	received	the	Form	ADV	Part	2A	(and	Form	CRS)	at	least	48	hours	prior	to	signing
    their	Agreement,	the	Agreement	may	be	terminated	by	the	client	within	five	business	days	of
    signing	their	Agreement	without	incurring	any	penalty	or	paying	any	Management	Fees.
    After	 the	 five	 business	 days	 have	 lapsed,	 clients	 may	 terminate	 their	 Agreement
    immediately	upon	written	notice.

    The	first	Management	Fee	payment	will	be	based	on	the	account’s	market	value	of	assets
    under	 management	 as	 of	 the	 last	 business	 day	 of	 month	 in	 which	 the	 account	 is	 first
    opened.	 The	first	Management	Fee	payment	will	be	pro-rated	to	cover	the	period	from
    the	 last	 day	 of	 the	 first	 month	 that	 the	 account(s)	 are	 opened	 through	 the	 end	 of	 that
    calendar	monthly	billing	period.

    After	the	first	billing	period	is	complete,	the	Management	fee	will	be	based	on	the	total
    market	 values	 of	 all	 managed	 accounts	 as	 of	 the	 close	 of	 the	 last	 business	 day	 of	 the
    preceding	month	or	calendar	quarter.

    Management	 Fees	 will	 not	 be	 adjusted	 (either	 increased	 or	 reduced)	 for	 interim	 fund

    contributions	 or	withdrawals	 during	 a	 billing	cycle.

    Services	to	Family	and	Friends	of	Altura

    Certain	 family	 members	 or	 friends	 of	 Altura’s	 principals	and	employees	 may	 receive	 the
    same	or	similar	advisory	services	as	clients	for	advisory	fees	that	are	zero	or	negotiated	at	a
    rate	lower	than	 what	is	available	to	its	clients.	 These	lower	advisory	fees	charged	to	 family
    or	friends	are	not	available	to	clients.

    Financial	Planning	Fees

    Clients	 are	 not	 charged	 for	 the	 initial	 creation	 of	 a	financial	plan.	 Clients	 may	 request
    additional	plans	or	reports	for	a	fee.

    B.	Timing	and	Payment	of	Portfolio	Management	Fees

    Payment	of	Portfolio	Management	Fees

    The	Adviser	has	the	authority	to	instruct	the	custodians	to	directly	debit	(i.e.,	deducted)
    the	 portfolio	 management	 fees	 from	 client	 accounts.	 Client	 Agreements	 allow	 that
    management	fees	be	automatically	withdrawn	directly	from	the	client’s	accounts	without
    having	 to	 obtain	 consent	 for	 each	 time	 that	 such	 fees	 are	 deducted	 from	 managed
    accounts.

    The	Adviser	bills	clients	for	Management	Fees	(according	to	the	established	fee	scheduled)
    on	either	 monthly	 or	 quarterly	 in	 advance	 as	 agreed	 to	 in	 client	 Agreements.

    C.	Client	Responsibility	For	Third	Party	Fees

    Management	 Fees	 paid	 to	 the	 Adviser	 do	 not	 include	 other	 fees	 that	 the	 clients	 must	 pay
    directly	or	indirectly	to	third	parties	in	connection	with	the	management	of	accounts.	 Clients
    are	responsible	for	the	payment	of	all	third-party	fees,	such	as	custodial	fees,	brokerage	fees,
    wire	transfer	fees,	and	other	transactions	costs,	etc.	 In	addition,	clients	should	be	aware	 that
    the	Adviser	 recommends	 securities	 such	 as	 mutual	 funds,	 exchange	 traded	funds	(“ETFs”)
    that	 may	 also	 charge	 internal	 administrative	 and	 management	 fees,	 along	 with	 other
    transaction	 costs	 (such	 as	 loads)	 and	 other	 fees	 such	 as	 12b-1	 distribution	 fees	 (in
    circumstances	where	a	particular	recommended	fund	does	 not	offer	a	share	class	without	a
    distribution	 fee).	 The	 aforementioned	 third-party	 fees	 and	 expenses	 are	 separate	 and
    distinct	 from	 the	 Management	 Fees	 charged	 by	 the	 Adviser.	 	 Further,	 the	 Adviser	 and	 its
    affiliates	are	not	paid	12b-1	distribution	fees.

    (Please	 see	 Item	 12	 of	 this	 Form	 ADV	 Part	 2A	 regarding	 the	 factors	 that	 we	 consider	 in
    selecting	or	recommending	broker-dealers	for	client	transactions.)

    Commissions	 and	 other	 costs	 paid	 in	 connection	 with	 life	 insurance	 and	 fixed	 annuities	 is

    discussed	under	Item	5.E.	below.

    D.	Prepayment	of	Fees

    Clients	must	pay	Altura	Management	Fees	monthly	or	quarterly	in	advance.	The	Adviser
    or	client	can	terminate	the	Agreement	prior	to	the	end	of	a	billing	period.	 Refunds	for
    fees	paid	in	advance	but	not	yet	earned	will	be	refunded	on	a	prorated	basis	for	the	days
    remaining	in	the	billing	period	beginning	from	the	date	the	written	termination	notice
    from	the	client	is	received	to	the	end	of	the	monthly	or	quarterly	billing	period.	 Refunds
    will	be	paid	to	clients	via	check	within	fourteen	days	from	the	date	of	receipt	of	the	client’s
    written	 termination	 notice.	 Altura	 shall	 not,	 under	 any	 circumstances,	 require	 the
    prepayment	of	$1,200	or	more	in	fees	or	six	or	more	months	in	advance	of	services	provided.
...

Item	7:	Types	of	Clients

    Altura	generally	provides	advisory	services	to	the	following	types	of	clients:

           ❖       Individuals	                                        ❖        Trusts
           ❖       High-Net-Worth	Individuals	                         ❖        Defined	Contribution	Plans

    There	is	no	account	minimum	for	any	of	Altura’s	services.