Atria Investments Inc

Item 5 – Fees and Compensation

  On a quarterly basis, Adhesion will debit a single amount from your account. The amount
  includes fees for Adhesion’s services and may include additional fees your Financial
  Advisor has asked us to collect, including their advisory fee, that are separate and distinct
  from Adhesion’s fees and/or fees for services provided by a third party selected by your
  Financial Advisor, which may include a fee for Adhesion’s services. The amount deducted
  from your account may include fees for all or some of the following:

  Overlay Portfolio Management Fee (also referred to as “Platform Fee”)
  This fee is for the services Adhesion provides in supporting the implementation and
  rebalancing of the investment strategies your Financial Advisor has enrolled your account
  in. This fee is applied to all accounts receiving OPM services and administration,
  including daily reconciliations, cashflow adjustments, performance reporting, fee
  calculations and support of proposal tools.

  OPM fees are applied against the entire portfolio or holdings in your account, except to the
  extent that a product does not have an OPM fee. Under the terms of the advisory contract
  with your advisor, Adhesion may impose a minimum OPM fee. Consult with your Financial
  Advisor to determine if a minimum fee applies to your account.

  Tax Services Fee
  If your Financial Advisor enrolls your account in Tax Services, a Tax Services fee will apply.
  The Tax Services fee is in addition to OPM fees and applied to the entire account. Contact
  your financial advisor about fees related to Tax Services.

  Investment Product and Program Fees

  Third-Party and Affiliated Models and Strategies

  Your Financial Advisor may enroll your account in a model or asset allocation strategy
  containing multiple models or underlying investments developed or managed by a third-
  party or an affiliate of Adhesion. In some instances, your Financial Advisor may be
  creating the model or asset allocation applied to your account. Manager Fees are only
  applied to the portion of your account allocated to the model or strategy.

  Please consult with your Financial Advisor about the fees charged to your account.

Adhesion Products

Tax Transition and the Investable Index Series or Direct Indexing are proprietary
capabilities, and Adhesion earns revenue when your Financial Advisor enrolls your
account in these strategies.

Direct Indexing – Adhesion earns a fee on the portion of your account that is enrolled in
Adhesion’s Direct Indexing or Investable Index strategies.

Tax Transition Services – Adhesion earns a fee on the portion of your account enrolled in
Adhesion’s Tax Transition services

Adhesion Investment Programs

Adhesion Essentials Program

The Adhesion Essentials program (“Essentials Program”) includes models comprised of
ETFs, Mutual Funds, and Separate Managed Accounts (SMA) provided by third party
Managers and affiliated model providers. Adhesion receives a fee from these third-party
Managers for maintaining these models. There are no OPM fees associated with this
program.

Financial Advisor Fees

If requested by your Financial Advisor, Adhesion will calculate the advisory fee
established in your investment management agreement with your Financial Advisor.
Adhesion calculates these fees based on the terms disclosed in your agreement. Adhesion
does not have access to your investment advisory agreements and relies on information
provided by your Financial Advisor.

Your Financial Advisor may also request that we collect an administrative fee from your
account and remit the fee to your Financial Advisor or to an entity providing
administrative support to your accounts. Please contact your Financial Advisor for more
information on any administrative fees.

Fees Paid to Adhesion by Strategists and Managers

Strategists and Managers typically pay to Adhesion a one-time set up fee and an annual
maintenance fee for performing certain functions in connection with implementing and
maintaining the Strategies and Models on Adhesion’s systems. Strategists and Managers
may pay a fee to access data reports that provide additional detail with respect to assets
invested in their Strategies and Models.

These fees may present a conflict for Adhesion in that Adhesion may be incentivized to
favor those Strategists and Managers that pay fees.

Fee Calculations

Billing periods are typically a calendar quarter. At the beginning of a billing period, each
account will incur an estimated Account Fee payable in advance. The estimated Account
Fee for your account is calculated by multiplying the value of the account on the first day
of the billing period by the applicable rates for OPM Fee, Manager Fee and Strategist Fee.

At the end of the billing period, an actual Account Fee for your account is calculated by
multiplying your account’s average daily balance by the applicable rates for OPM Fee,
Manager Fee (Model and Fixed-income Sub-manager), and Strategist Fee. The actual
Account Fee at the end of the period can vary from the estimated Account Fee from the
beginning of the period due to a number of factors including, but not limited to, change in
assigned Strategy for the account by your Financial Advisor, changes in the composition
of Models within the Strategy by the Strategist, variations in value of account assets
allocated to each Model due to normal market fluctuations, or the election or removal of
services such as the Tax Overlay Management option by your Financial Advisor.

At the end of each billing period, reconciliation occurs between the actual Account Fee and
the estimated Account Fee incurred at the beginning of the billing period. The difference
between the two is calculated and applied as a debit or credit to the estimated Account
Fee for the billing period just commencing.

For new accounts enrolled for OPM Services during a billing period, a prorate estimated
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Item 7 – Types of Clients
 We provide our services to SEC-and state-registered investment advisers, either directly
 or through a third-party sponsored program. Adhesion clients may also include non-
 registered or exempt reporting entities such as family offices. Adhesion does not furnish
 its advisory services directly to natural persons or “retail investors.”

 We do not impose a minimum account size for our services. However, we may impose a
 minimum OPM Fee as described in Item 5.