Catalyst Private Wealth LLC

ITEM 5 - FEES AND COMPENSATION
Fee Schedule & Billing Method

The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
under management or advisement. Additionally, certain of the Firm’s Supervised Persons, in their
individual capacities, may offer securities brokerage services under a separate commission-based
arrangement.

Investment Management Services
The annual management fee for our Investment Management Services is based on the total dollar
asset value of the assets maintained in your account. The fee assessed and/or charged is based on
what is stipulated in the Investment Advisory Agreement signed by each client. This may include a
minimum quarterly fee. The Firm offers services on a fee basis, which may include fixed fees, as well
as fees based upon assets under management or advisement. Additionally, certain of the Firm’s
Supervised Persons, in their individual capacities, may offer securities brokerage services under a
separate commission-based arrangement.

Our annual fee ranges up to 2.00% annually and is assessed and/or charged quarterly in advance,
based on prior period-end value. Inflows and outflows of cash are considered on a prorated basis in
this calculation. Margin debits in accounts will decrease the fee calculated. Fees can be structured in
one of the following ways: a fixed flat percentage fee on total assets in the account, a tiered fee
schedule whereby the fee is calculated by applying different rates to different levels of assets or a
linear fee schedule where a breakpoint percentage fee is assessed to total assets in the account .

We discuss our discretionary authority below under Item 16 – Investment Discretion.

Catalyst Private Wealth, LLC Disclosure Brochure                                   January 1, 2026 – v2

Financial Consultation Service
We will quote the client a fixed fee that is based on the estimate of time to complete the project, or will
negotiate another fee arrangement for the client, pursuant to the Financial Planning & Consulting
Agreement. The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope
and complexity of our engagement with you. We may require a negotiable retainer, which is
calculated based on the estimated total financial planning or consulting fee with the remainder of the
fee directly billed to you and due to us within thirty (30) days of your financial plan being delivered or
consultation rendered to you. In all cases, we will not require a retainer exceeding $1,200 when services
cannot be rendered within six (6) months. If the client or Catalyst terminates the financial consulting
engagement before completion of the financial plan or consultation, Catalyst will determine the fees
due for the services already completed. For flat fee engagements, Clients may receive a pro-rata refund
of unearned fees which will be based on the hours Advisor has spent on the engagement, billed at the
Advisor’s hourly rate for such engagements. If the retainer previously paid by you is more than the fees
due, Catalyst will refund the amount of the unearned fees to you. If the amount due is more than the
retainer we collected from you, Catalyst will send you an invoice for the remainder due, which will be
due within thirty (30) days of the invoice date. For ongoing engagements, Clients will receive a pro-rata
refund for any remaining days left in the quarter in which the contract was terminated.

Other Fees and Expenses

In addition to the advisory fees paid to Catalyst, clients may incur certain charges imposed by other third
parties, such as broker-dealers, custodians, trust companies, platform service providers, banks and other
financial institutions (collectively “Financial Institutions”). These additional charges may include securities
brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets, reporting
charges, margin costs, charges imposed directly by a mutual fund or ETF in a client’s account, as disclosed
in the fund’s prospectus (e.g., fund management fees and other fund expenses), 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. The Firm’s brokerage practices are described at length in
Item 12, below.

Direct Fee Debit

Clients generally provide Catalyst with the authority to directly debit their accounts for payment of the
investment advisory fees. The Financial Institutions that act as the qualified custodian for client accounts,
from which the Firm retains the authority to directly deduct fees, have agreed to send statements to clients
not less than quarterly detailing account transactions, including any amounts paid to Catalyst.

Account Additions and Withdrawals

As stated above, clients may make additions to and withdrawals from their account at any time, subject
to Catalyst’s right to terminate an account. Additions may be in cash or securities provided that the Firm
reserves the right to liquidate any transferred securities or declines to accept particular securities into a
client’s account. Clients may withdraw account assets on notice to the Firm, subject to the usual and
customary securities settlement procedures. However, the Firm generally designs its portfolios as long-
term investments and the withdrawal of assets may impair the achievement of a client’s investment

Catalyst Private Wealth, LLC Disclosure Brochure                                     January 1, 2026 – v2

objectives. The Firm may consult with its clients about the options and implications of transferring
securities. Clients are advised that when transferred securities are liquidated, they may be subject to
transaction fees, short- term redemption fees, fees assessed at the mutual fund level (e.g., contingent
deferred sales charges) and/or tax ramifications.
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ITEM 7 - TYPES OF CLIENTS
Catalyst provides asset management, financial consulting, ERISA plan advisory & consulting, investment
advisory consultation, and selection of third-party money managers. Our services are provided on a
discretionary and non-discretionary basis to a variety of clients, such as institutional investors,
individuals, high net worth individuals, trusts and estates, qualified purchasers, and individual
participants of retirement plans. In addition, we may also provide advisory services to entities such as
pension and profit-sharing plans, businesses, and other investment advisers.

Account Requirements
Catalyst does not have a specific account minimum.