Avrio Wealth LLC

Item 5 – Fees and Compensation

The specific manner in which fees are charged by Avrio is established in a Client’s written agreement with
Avrio. Fees for non-US Clients may follow a different structure and it is possible the fees could be different
for the same type services for all Clients. Fees for US and non-US Clients may be paid in USD or local non-
USD currency. However, all specific fee terms will be outlined in each Client’s written agreement.

We have a minimum fee of $12,500 per client per year for most services.

Financial Planning Fees

Fees for financial planning only services are charged on a flat fee, hourly or project basis. Standard flat fees
for comprehensive planning start at $12,500 USD up to $40,000 USD+ for Clients with complex planning
needs. Avrio may reduce or increase the fee based on the complexity of the Client’s finances and their stated
goals. Fees are agreed upon in advance with the Client. Hourly rates start at $600 USD, project fees
negotiated based upon time and complexity.

Clients are invoiced a deposit which is non-refundable, the remainder is due upon the delivery of the financial
plan but not later than six months following the commencement of the engagement. Should the Client not
finalize the planning engagement, the agreement terminates with no additional fees charged.

Avrio crafts a highly personalized financial plan with well-defined goals following the guidelines set up by
the Certified Financial Planning Board of Standards.

Fees for Integrated Financial Planning and Investment Advisory Services

When a Client engages Avrio to provide integrated financial planning, investment advisory, investment
management and asset allocation services, Avrio generally provides these services on an annual Flat Fee or
Assets Under Management (AUM) fee schedules.

The general fee structures for integrated Financial Planning and Investment Advisory Services or Assets
Under Management/Advisement only are outlined below. The specific manner in which the fees are calculated
by Avrio is established in the Client’s written agreement with Avrio.

For all fee schedules, the following applies. Clients are invoiced quarterly in arrears. Clients may elect to be
billed directly for fees or to authorize Avrio to instruct the custodian to pay fees from Client accounts directly
to Avrio. For Accounts charged an assets-based fee, fees are calculated on the average daily balance for the
preceding period, or the average daily balance for the partial preceding period for new Accounts. Client
relationships and accounts initiated or terminated during a calendar quarter will be charged a prorated fee
per the number of days in the quarter. Upon termination of any relationship or account any earned, unpaid
fees will be due and payable.

Clients may be charged an additional fee of 0.50% on assets allocated to Single Stock Portfolios, including
assets allocated to a model or customized portfolio strategy, and 0.25% on assets allocated to active cash
management. These fees are calculated on the average daily balance for the preceding period, or the
average daily balance for the partial preceding period for new Accounts and are billed quarterly in arrears.

In some cases, no additional fee will be charged for Single Stock Portfolios. Avrio’s fees are exclusive of
brokerage commissions, transaction fees, and other related costs and expenses, which shall be incurred by
the Client. Clients may incur certain charges imposed by custodians, brokers, third party investment sponsors
and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange-traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus.

Such charges, fees, and commissions are exclusive of and in addition to Avrio’s fee, and Avrio shall not
receive any portion of these commissions, fees, and costs.

Avrio’s Clients may pay diverse fees based upon the market value, type and location of their assets, the

complexity of the engagement, along with the level and scope of the overall financial planning and/or
advisory services to be rendered and/or Client negotiations.

1) Flat Fee

The annual flat fee for integrated financial planning, investment management and/or investment advisory
services has a minimum annual fee of $12,500 for the first $1,000,000 in billable Net Worth, with amounts
above $1,000,000 charged at an additional 0.50%. The Flat Fee is reviewed annually and may be adjusted
based on billable Net Worth and the complexity of ongoing financial planning and advisory services, as
provided in the Client’s written agreement. When the fee is adjusted, the Client will be required to sign the
fee calculation form and confirm the method of payment.

The specific way the fees are calculated by Avrio is established in the Client’s written agreement with Avrio.
Avrio has the discretion to waive the minimum annual fee.

2) Assets Under Management Fees

The annual fee for Assets Under Management may be charged as a percentage of assets under
management, generally, according to the following schedule:

                        Assets Under Management                  Annual Fee (%)
                              Up to $1 million                      1.00%
                          $1,000,001 - $2 million                   0.80%
                          $2,000,001 - $7 million                   0.50%
                              Over $7 million                       0.40%

Avrio will bill its fees in arrears, calculated on a daily average balance charged on a quarterly basis, unless
otherwise stated in the Client’s written agreement. Fees are based on the average daily balance for the
preceding period, or the average daily balance for the partial preceding period for new accounts.
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Item 7 – Types of Clients

Avrio offers cross-border financial planning and investment management services to individuals and high
net-worth individuals, corporations, and institutions.