CGI Wealth Advisors Inc

ITEM:5. FEES AND COMPENSATION

A. Advisory Fees

Prior to engaging CGI Wealth Advisors to provide advisory services, the client will be required
to enter into a written agreement with the Firm setting forth the terms and conditions and the fees
under which it will render its services. Fees may be subject to negotiation under certain
circumstances as agreed on by the Firm and the client. The fees charged by CGI Wealth
Advisors generally covers most, if not all, transaction fees required to manage a client’s
account(s). The following description of fees outlines the typical fee structure under which CGI
Wealth Advisors renders its services. The actual schedule of fees, as it applies to a particular
client, will be clearly outlined in the Client Service Agreement, or in an Addendum or
Supplement to the Agreement.

    1. One Time Fees

        CGI Wealth Advisors may charge a one-time fee for certain services such as a Needs
        Analysis or Asset Allocation Strategy. These fees may be per investment funding
        objective or account and are usually waived should the client enter into an ongoing
        investment advisory relationship regarding the assets reviewed.

12/03/2020 SL1 1663685v4 110718.00002 Updated 03/28/2024

CGI Wealth Advisors, Inc.                                                                March, 2026
Form ADV Part 2A

    2. Ongoing Fees

        CGI Wealth Advisors typically charges an investment advisory fee on a tiered approach
        based upon the size of all accounts owned by a given client, commonly called the
        “household”. These fees are shown below and as stated previously, usually cover most if
        not all transaction fees.

                             HOUSEHOLD SIZE                            FEE
                   First $500,000                                       1%
                   $500,001 to $1,000,000                              .75%
                   $1,000,001 to $2,000,000                            .50%
                   Excess over $2,000,000                              .25%

    3. Fees for Other Consulting Services or Plan Specific Fees

        In some instances, a client may request a unique service(s) not listed in the normal fee
        agreement. In such a case, the Firm will specify in a supplement to the advisory
        agreement with the client the exact fees that may apply. Some of these fees may be based
        on a per account basis, a per investment option basis, an hourly consulting fee, or other
        specific fees for specific reports or services requested.

Minimum Fee — CGI Wealth Advisors has no minimum fee and welcomes start up investors
and/or small takeover accounts where the Firm will identify investments that allow the client to
receive a diversified asset allocation strategy with rebalancing at a reasonable cost.

B. Billing Method

Fees can be paid in several ways and.

    1. Direct Billed to Client

        In this case, a fixed fee will usually be submitted to the client for payment.

    2. Billed to Client Accounts

        Clients pay a percent of assets based on the schedule in the prior section.

C. Other Fees and Expenses

Clients should be aware additional fees may be imposed by other service providers. CGI Wealth
Advisors can usually help identify these expenses. In addition, mutual funds, Exchange Traded
Funds (ETFs), Collective Investment Trusts (CITs), Separate Accounts, and Separately Managed
Accounts (SMAs) typically charge fees to their shareholders, which are described in their
respective prospectus documents, and usually include a management fee, administrative,
operations, and mortality fees, and certain distribution fees such as 12b(1) and Sub Transfer
Agent fees. These fees generally comprise a fund’s “expense ratio,” are deducted at the fund

12/03/2020 SL1 1663685v4 110718.00002 Updated 03/28/2024

CGI Wealth Advisors, Inc.                                                               March, 2026
Form ADV Part 2A

level, and have a direct bearing on the fund’s performance (and the client’s net investment
return). In some cases, through a process called revenue sharing, mutual funds may distribute
some of the fees they collect in their expense ratio to service providers as an inducement to use
their funds. CGI Wealth Advisors accepts no revenue sharing and when revenue sharing is
available, endeavors to have it returned to the client’s account. The Firms preference is to use
funds that do not engage in revenue sharing. In other cases Separate Accounts and SMAs may
charge additional fees above those charged by the investment vehicle(s) they are invested in.

In addition, some mutual funds offer different share classes of the same fund, and one share class
can have a higher expense ratio than another. Front or back-end sales charges and/or redemption
fees may exist in some share classes. CGI Wealth Advisors endeavors to recommend the lowest
cost share class available to a plan and avoid funds with front or back-end sales charges or
redemption fees. It is possible the cheapest share class may have a minimum account size.

All fees paid to CGI Wealth Advisors for its services are separate and distinct from the fees and
expenses outlined above.

D. Termination of Services

CGI Wealth Advisors bills clients monthly in advance. Terminating clients receive a refund for
unearned fees. Either the client or CGI Wealth Advisors may terminate the Firm’s services
without penalty at any time. The Firm determines the amount to be refunded to the client, if any,
by subtracting its fees earned as of the time of termination from any amounts collected in
advance as of the time of termination.

E. No Compensation For Sale of Securities

CGI Wealth Advisors does not accept compensation for the sale of securities or other investment
products.

ITEM:7. TYPES OF CLIENTS

CGI Wealth Advisors provides advisory services primarily to individuals and business accounts,
other than 401(k), 403(b) and other profit sharing or pension plans. There is no minimum
account size and start-up investors are welcome.

12/03/2020 SL1 1663685v4 110718.00002 Updated 03/28/2024

CGI Wealth Advisors, Inc.                                                              March, 2026
Form ADV Part 2A