Benchmark Financial Wealth Advisors LLC

Item 5 Fees and compensation. Based upon the complexity of the plan and the needs of the plan sponsor,
BFWA LLC reserves the right to negotiate the fees.

Employer Sponsored Retirement Plan Services BFWA LLC will charge either a flat fee and/or an asset under
management fee based on plan assets. These fees are generally negotiable based on the complexity of the
Employer Sponsored Retirement Plan and the needs of the Plan Sponsor, and the final fee schedule is
included in the Retirement Plan Consulting Agreement.

Consulting Services Fees
For consulting services, the firm charges fees as outlined in the applicable consulting agreement. Fees may
include a base monthly rate and additional fees based on portfolio complexity or the level of services
required. Consulting fees may be invoiced in advance or in arrears, as specified in the agreement. In
instances where the firm is engaged for a one-off or short-term engagement, fees may be charged as a one-
time flat fee, payable upon completion of the work, or through a retainer arrangement agreed upon in
advance.

Notional Value Based-Fees (Option Strategies)
For certain options-based strategies (including premium income/put-write strategies whether managed
directly by BFWA or with a third-party sub-adviser), BFWA LLC’s advisory fee is based on the Target
Notional Value authorized by the for the strategy, client, rather than the market value of assets in the
account or the account’s actual options exposure on any particular day. The Target Notional Value
represents the maximum amount authorized by the client for the strategy and may exceed the account’s
net asset value. BFWA LLC’s advisory fee for these accounts is calculated at an annual rate of 0.25% of the
Target Notional Value, and is billed quarterly in arrears, and may be deducted from the custodial account
where authorized. Clients may also incur separate fees and expenses, including fees charged by third-party
managers/sub-advisers (if applicable) and other account-related costs (e.g., brokerage/transaction charges,
custodian fees), which are in addition to BFWA LLC’s advisory fee.

Clients should understand that while fees are based on the Target Notional Value, the account’s actual
options exposure may vary due to implementation, market conditions, and risk management and may at
times be lower than the Target Notional Value. Changes to the Target Notional Value require written client
authorization through a signed Target Notional Value Authorization and become effective for fee-
calculation purposes beginning with the next calendar quarter. Any newly authorized Target Notional Value
will not apply retroactively to any prior billing period and will not result in any fee adjustment for ordinary
intra-quarter fluctuations in actual options exposure or strategy activity.

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If the options strategy first becomes effective for an account after the first day of a calendar quarter, or if
during a billing period the client executes a signed Target Notional Value Authorization reducing the Target
Notional Value to zero, BFWA LLC discontinues the options strategy for the account and documents that
discontinuation in its books and records, or the advisory relationship is terminated, BFWA LLC will calculate
the quarterly fee only for the applicable portion of the billing period. In that circumstance, the quarterly fee
will be prorated based on the number of calendar days in the applicable billing period through the relevant
effective date, divided by the total number of calendar days in the applicable quarter, and any resulting
adjustment will be reflected in the quarterly arrears billing.

Other Advisor Fees
The timing, frequency, and method of paying fees for the selection of third-party managers will depend on
the specific third-party advisor selected. The third-party fees are in addition to the fees the client will pay for
our services as listed above under Benchmark Financial Wealth Advisors Service Fees. BFWA LLC does not
receive any portion of the third- party advisor fee charged to the client.

Other Fees
For all types of services listed above, the fees do not include administrative costs for qualified retirement
plans, custody charges, clearing or settlement services, fees charged by mutual funds or third-party
managers, brokerage commissions, or transaction fees. BFWA LLC does not receive any portion of these
third-party fees. Please refer to the fund prospectus regarding all fees related to funds. BFWA LLC also does
not receive commissions for purchasing or selling stocks, bonds, exchange traded funds, mutual funds,
limited partnerships, or other readily available commissioned security products. Charges may be imposed
directly by a mutual fund or ETF in a client’s account, as disclosed in the fund’s prospectus (i.e., Fund
expenses and fund management fees.) Clients are encouraged to read such prospectuses carefully to
evaluate such fees.

Reporting and Platform Fees for Non-Advisory Fee Accounts
BFWA LLC charges an annual reporting or platform fee for certain accounts included in BFWA LLC’s
portfolio management or reporting system for monitoring, consolidated reporting, or administrative
convenience, but for which BFWA LLC does not otherwise charge an advisory fee. This fee is intended to
cover the third-party system cost charged to BFWA LLC for maintaining the account on the reporting
platform. The fee is currently approximately $20 per account annually and will not exceed $30 per account
annually unless otherwise disclosed and agreed to in writing. The fee is disclosed in the client agreement,
fee addendum, or other written authorization and is invoiced to the client or deducted from a client account
where authorized in writing.

Prorated Fees
Clients can terminate the agreement without penalty for a full refund of BFWA LLC fees within five business
...

Item 7-Types of Clients

BFWA LLC generally provides personalized, confidential wealth guidance/wealth governance, financial
planning and asset management to individuals and families, small businesses, corporate pension and profit-
sharing plans, trusts, estates, and charitable organizations.