Bentham Wealth Advisors Inc

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account
and is set forth in the following annual fee schedule:

                Assets Under Management                    Annual Advisory Fee
                       $0 - $2,500,000                             1.25%
                  $2,500,001 - $5,000,000                          1.00%
                   $5,000,001 and Above                          Negotiable

The annual fees are negotiable, pro-rated and paid in arrears on a monthly basis. The advisory fee is
a tiered fee and is calculated by assessing the percentage rates using the predefined levels of
assets as shown in the above chart and applying the fee to the account value as of the last day of
the previous month. No increase in the annual fee shall be effective without agreement from the
Client by signing a new agreement or amendment to their current advisory agreement.
We calculate period-end account values after all dividends settle in the account, therefore, the
account value used to calculate advisory fees may differ from that of the custodial account
statement. Our billing invoice will indicate the total account value used to calculate the advisory
fee.
Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check.
An account may be terminated with written notice at least 15 calendar days in advance. Since fees
are paid in arrears, no refund will be needed upon termination of the account. The above fee
schedule includes held away assets.
Ongoing Financial Planning
Ongoing Financial Planning consists of an upfront fee ranging from $500 - $2,500 and an ongoing
fee that is paid monthly, in arrears, at a rate ranging from $250 to $500 per month. The fee may be
negotiable in certain cases. Fees for this service may be paid by electronic funds transfer or check.
This service may be terminated with 30 days’ notice. Upon termination of any agreement, the fee
will be prorated and any unearned fee will be refunded to the Client.
The upfront portion of the Ongoing Financial Planning fee is for Client onboarding, data gathering,
and setting the basis for the financial plan. This work will commence immediately after the fee is
paid, and will be completed within the first 30 days of the date the fee is paid. Therefore, the
upfront portion of the fee will not be paid more than 6 months in advance.
Project Based Financial Planning Fixed Fee
Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon
before the start of any work. The fixed fee can range between $500 and $15,000. The fee is
negotiable. If a fixed fee program is chosen, it is payable in arrears. BW will not bill an amount
above $1,200.00 more than 6 months in advance. Fees for this service may be paid by electronic
funds transfer or check. In the event of early termination any prepaid but unearned fees will be
refunded to the Client and any completed deliverables of the project will be provided to the Client
and no further fees will be charged.

Employee Benefit Plan Services

                     Account Value                 Bentham Wealth Advisors Inc.’s Fee
                     $0 - $1,000,000                                1.25%
                 $1,000,001 - $3,000,000                            1.00%
                 $3,000,001 - $5,000,000                            0.85%
                 $5,000,000 and Above                               0.50%

BW will be compensated for Employee Benefit Plan services according to the value of plan assets
not to exceed 1.25% of total plan assets. This includes fees to other parties, such as
Recordkeepers, Custodians, or Third-Party-Administrators. Fees for this service are either paid
directly by the plan sponsor or deducted directly from the plan assets by the Custodian on a
monthly basis, and BW’s fee is remitted to BW.
Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or
exchange traded funds (described in each fund's prospectus) to their shareholders. These fees will
generally include a management fee and other fund expenses. You will also incur transaction
charges and/or brokerage fees when purchasing or selling securities. These charges and fees are
typically imposed by the broker-dealer or custodian through whom your account transactions are
executed. We do not share in any portion of the brokerage fees/transaction charges imposed by the
broker-dealer or custodian. To fully understand the total cost you will incur, you should review all
the fees charged by mutual funds, exchange traded funds, our firm, and others. For information on
our brokerage practices, refer to the Brokerage Practices section of this brochure.

Item 7 Types of Clients
We offer investment advisory services to individuals and families (including high net worth
individuals and families), and employer-sponsored employee benefit plans.
We do not require a minimum dollar amount to open and maintain an advisory account.