Bridgelight Financial Advisors Inc

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
Bridgelight charges a fee as compensation for providing Investment Management services on your account. These
services include advisory, trade entry, investment supervision, and other account-maintenance activities. Also
refer to Additional Fees and Expenses below for additional details regarding fees.

Fee billing methods are defined in the client Investment Advisory Agreement. Bridgelight’s annual fees are based
upon a percentage of assets under management not to exceed 1.50%. Fees are billed quarterly in arrears based
average daily balance of the account for the billing period. Quarterly advisory fees deducted from the clients'
account by the custodian will be reflected on the brokerage statement. Lower fees for comparable services may
be available from other sources. Clients may terminate their account within five business days of signing the
Investment Advisory Agreement for a full refund. Legacy accounts may have a different billing method.

The client shall be given thirty (30) days prior written notice of any increase in fees.

Although Bridgelight has established a maximum annual fee as stated above, we retain the discretion to negotiate
alternative fees on a client-by-client basis. Client facts, circumstances and needs are considered in determining
the fee schedule. These factors include the complexity of the client, assets to be placed under management,
anticipated future additional assets, related accounts, portfolio style, account composition, reports, among others.
The specific annual fee schedule is identified in the contract between the adviser and the client. Fees are assessed
on all assets under management, including securities, cash and money market balances. When invested in a
managed model there is typically a small percentage invested in cash as part of that model (i.e., 1%). That “cash”
will be included in the AUM fee.

Unless otherwise instructed by the client, we will aggregate asset amounts in accounts from your same household
together to determine the advisory fee for all your accounts. We would do this, for example, where we also service
accounts on behalf of your minor children, individual and joint accounts for a spouse, and/or other types of related
accounts. This consolidation practice is designed to allow you the benefit of an increased asset total, which could
cause your account(s) to be assessed a lower advisory fee.

The independent qualified custodian holding your funds and securities will debit your account directly for the
advisory fee and pay that fee to us. You will provide written authorization permitting the fees to be paid directly
from your account held by the qualified custodian. Further, the qualified custodian agrees to deliver an account
statement quarterly directly to you indicating all the amounts deducted from the account including our advisory
fees. At our discretion, our Firm will allow advisory fees to be paid by check as indicated in the Agreement. You
are encouraged to review your account statements for accuracy.

Clients may terminate advisory services with thirty (30) days written notice. The client will be entitled to a pro
rata refund for the days service was not provided in the final quarter. The management fee will be pro-rated to the
date of termination, for the month in which the cancellation notice was given and billed to your account. Upon
termination, you are responsible for monitoring the securities in your account, and we will have no further

                                       BRIDGELIGHT FINANCIAL ADVISORS, INC.
                                                   2026 | PAGE 6

obligation to act or advise with respect to those assets. In the event of client’s death or disability, Bridgelight will
continue management of the account until we are notified of client’s death or disability. Once notified, the account
will be restricted until alternative instructions are received by an authorized party.

We will not require prepayment of more than $1,200 in fees per client, six (6) or more months in advance of
providing any services. In no case are our fees based on, or related to, the performance of your funds or
investments.

Financial Planning Fees
Fees may vary based on the extent and complexity of your individual or family circumstances. Our fee will be
agreed in advance of services being performed and negotiated with you. Financial planning fees are fixed. Fixed
fees don’t exceed $25,000 and may be more depending on the complexity of the engagement. The specific fee for
your financial plan will be discussed with you and specified in your planning agreement with Bridgelight.

Typically, we complete a plan within a month and will present it to you within 90 days of the contract date, if you
have provided us all information needed to prepare the financial plan. Bridgelight’s initial financial consulting fees
are paid 50% upon completion of this agreement and the remainder when the Plan is delivered.
If you choose to terminate the financial planning agreement by providing us with written notice. Upon termination,
fees will be prorated to the date of termination and any earned portion of the fee will be billed to you based on the
hours that our firm has spent on creating your financial plan prior to termination. The hourly rate used for this
purpose is $325/hour. The hourly rate would be stated in your executed Financial Planning Agreement.

We will not require prepayment of more than $1200 in fees per client, six (6) or more months in advance of
providing any services. In no case are our fees based on, or related to, the performance of your funds or
investments.

Consulting
In addition, Bridgelight provides hourly planning services for clients who need advice on a limited scope of work.
Bridgelight will negotiate consulting fees with you. Fees may vary based on the extent and complexity of the
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ITEM 7 - TYPES OF CLIENTS
Primarily, we assist individuals and their families, but we will also work with pension plans, trusts, estates,
charitable organizations, corporations and other business entities and their owners. BFA requires a minimum of
$250,000 in assets under management per client, unless otherwise reduced or waived at the discretion of BFA.