Caitlin John LLC

Item 5 – Fees and Compensation
A. Advisory Services Fees
The Firm is compensated for advisory services through fees paid by clients under the client’s applicable
advisory services agreement. Advisory fees are negotiable and may vary based on factors such as the
scope and complexity of services, account size, the client’s overall relationship with the Firm, and
whether the client participates in a wrap fee program, uses sub-advisers, or receives
planning/consulting services.

Investment Management / Advisory Fees
The total collective advisory fee for all non-wrap investment management services provided by the Firm,
and, if applicable, a sub-adviser, will not exceed 3.00% annually. The non-wrap arrangement may be
structured as a tiered/blended fee, tapered/best-tier fee, or fixed/contracted fee, as set forth in the
client’s Investment Management Agreement (“IMA”). Interim-period daily cashflows $10,001 or greater
(including new accounts) are billed pro rata based on the number of days remaining in the period. For
certain fee structures, the Firm charges a $35 annual technology fee, as disclosed in the client
agreement and/or program documentation. In addition, the Firm may apply a minimum annual
investment management fee of $300 per account. As a result, for smaller accounts, the effective fee as
a percentage of assets under management may be higher than the stated asset-based rate.

Clients participating in the Caitlin John Wrap Fee Program pay a single negotiated wrap fee for
investment management services and, if applicable, custodial fees and/or the use of a sub-adviser. The
wrap fee will not exceed 2.48% annually and is described in the Firm’s separate Caitlin John Wrap Fee
Program Brochure. Depending on many factors, including the custodial platform used, trading
frequency, and the sub-adviser engaged (if any), the wrap fee may be higher or lower than the cost of
paying for these services separately.

Planning Fees
The Firm offers financial planning services that may be charged as a one-time fixed fee, an ongoing
subscription planning fee, or a combination of both, depending on the scope of the engagement and as
agreed in writing with the client before services begin. Fees are negotiable and are based on the scope
and complexity of the engagement, including the services requested, the client’s financial
circumstances, the number of accounts or entities involved, the planning topics addressed (such as
estate planning concepts, tax planning concepts, or business interests), and the level of effort and
resources reasonably expected to deliver the services. Financial planning fees typically range from
$1,000 to $10,000, but may be significantly more or less depending on the structure, scope, and
complexity of the engagement.

Consulting & Advisory Services / Assets Under Advisement (“AUA”)
The Firm may offer consulting and advisory services with respect to held-away assets or other assets
under advisement (“AUA”). Fees are negotiable and may include a one-time upfront fixed consulting fee,
an initial onboarding fee, and/or an ongoing fixed, tiered, or percentage-based fee, depending on the
services provided. Unless otherwise agreed in writing, ongoing percentage-based AUA fees will not
exceed 1.50% annually. The applicable fee schedule, payment method, and assets covered will be set
forth in the Consulting & Advisory Services Agreement.

Qualified Retirement Plan Fees
Fees for qualified retirement plan services vary based on plan assets, the scope of services requested,
and whether a sub-adviser is used. Fees are typically expressed as a percentage of plan assets. The
Firm’s total advisory fee for retirement plan services will not exceed 1.50% annually, inclusive of any
sub-adviser fee and other covered services, as set forth in the applicable retirement plan agreement.

B. Billing, Fee Deduction, and Frequency of Billing
Portfolio Management Fees (Investment Management Services)
Advisory fees for investment management services are calculated on an annual basis and are generally
billed quarterly in advance based on the account value as of the last business day of the prior quarter,
as specified in the client’s IMA. Additional billing methods and calculation methods are available if
specified in the client’s IMA. Clients may choose to have fees deducted directly from the custodial
account by the qualified custodian (with client authorization) or billed and paid from another source
directly to the Firm. Where fees are deducted from the custodial account, deductions generally occur
promptly after the start of the new billing period. Pro rata debits or credits are reflected in the following
billing period.

Planning / Consulting / Retirement Plan Services Billing
Billing frequency and payment method for planning services, consulting/AUA services, and retirement
plan services are set forth in the applicable service agreement(s), which may provide for billing in
advance or arrears depending on the engagement.

C. Other Fees and Expenses (Custody, Brokerage, Product-Level Fees)
In addition to the Firm’s advisory fees, clients may incur third-party fees and expenses related to their
accounts and investments. These may include, among others, custodial fees, transaction charges,
brokerage commissions (if applicable), wire and transfer fees, markups/markdowns, internal expenses
of mutual funds, ETFs, and other pooled investment vehicles, and other product-level or platform-
related fees. Depending on the client’s holdings and account structure, additional custodial or platform
charges may apply, including fees associated with certain alternative investments, private placements,
Regulation D securities, specialized transactions, or account transfers.

For clients participating in the Firm’s wrap fee program, general custodial and trading costs covered by
the wrap fee are described in the separate Wrap Fee Program Brochure. However, certain charges are
...

Item 7 – Types of Clients / Minimum Account Size
The Firm generally provides investment advisory services to the following types of clients:

    •   individuals, including high net worth individuals;
    •   trusts and estates; and
    •   qualified retirement plans and plan sponsors.

Depending on the nature of the engagement, the Firm may also provide advisory services to certain
other clients, including entities and investors that meet eligibility or suitability standards for particular
products, strategies, or programs.

For ongoing investment management relationships, the Firm generally requires a minimum account size
of $250,000. The Firm may waive or reduce this minimum in its discretion based on factors such as the
nature of the services to be provided, related household accounts, the complexity of the client
relationship, legacy arrangements, or other circumstances determined by the Firm.

Client assets are generally required to be maintained with a qualified custodian acceptable to the Firm
and appropriate for the applicable advisory program. Account opening and maintenance remain
subject to the custodian’s requirements and approval.