Cogentblue Wealth Advisors LLC

Item 5: Fees and Compensation

Please note, unless a Client has received the firm’s Disclosure Brochure at least 48 hours
prior to signing the investment advisory contract, the investment advisory contract may be
terminated by the Client within five (5) business days of signing the contract without
incurring any advisory fees. How we are paid depends on the type of advisory service we are
performing. Please review the fee and compensation information below.

Investment Management Services

Our advisory fee is based on the market value of the assets under management and is
calculated as follows, subject to a minimum annual fee of $10,000:

                Account Value                             Annual Advisory
                                                               Fee
                $0 - $1,000,000                               1.00%
                                                        ($10,000 minimum)
           $1,000,001- $5,000,000                             0.85%

          $5,000,001 - $10,000,000                             0.60%

          $10,000,001 – and Above                              0.35%

The annual fees are negotiable, pro-rated and paid in advance on a quarterly basis. The
advisory fee is a blended fee and is calculated by assessing the percentage rates using the
predefined levels of assets as shown in the above chart resulting in a combined weighted fee.
For example, an account valued at $4,000,000 would pay an effective quarterly fee of
0.221875% with the quarterly fee of $8,875.00. The quarterly fee is determined by the
following calculation: (($1,000,000 x 0.2500%) + ($3,000,000 x 0.2125%)) = $8,875.00. No
increase in the client’s fee shall be effective without agreement from the Client by signing a
new agreement or amendment to their current advisory agreement. An account may be
terminated with written notice at least 15 calendar days in advance. Upon termination of the
account, any unearned fee will be refunded to the Client.

Third-Party Managers, Outside Managers, and Sub-Advisors/TAMPs

When a Third-Party Manager or an Outside Manager (“Manager”) is used, the Manager’s fees
will be in addition to CogentBlue’s fee. Each Manager’s fee is outlined in that Manager’s
regulatory disclosure documents. The Manager will debit the client’s account for its own fees
based upon the amount of assets it is managing.

The Sub-Advisor/TAMP’s fees will be included in CogentBlue’s fees. The Sub-Advisor/TAMP
will debit the client’s account for these fees based upon the amount of assets it is managing,
and remit CogentBlue’s portion of these fees to CogentBlue.

Fees may be negotiable in certain cases. 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. The minimum annual fee for Investment Management Services
is $10,000. Legacy clients and friends and family may pay a lower annual fee.

Ongoing Financial Planning

Ongoing Financial Planning consists of an annual fee ranging between $10,000 and $20,000
paid quarterly, in advance. The fee may be negotiable in certain cases. 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.

A majority of the services provided with Comprehensive Financial Planning occurs in the
first 90 days after the commencement of the engagement. 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 90 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.

Fee Deduction

The investment advisory fee will be billed directly by the Custodian, with a copy of the invoice
to Client. The Custodian will deduct the fee for the Account upon receipt of the invoice, or
shortly thereafter. Financial planning fees will be deducted via electronic funds transfer, or
the client will have the option to pay by check. Clients will receive invoices for each fee
deducted. 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.

Other Types of Fees and Expenses

Custodians may charge transaction fees on purchases or sales of certain mutual funds,
equities, and exchange-traded funds. These charges may include mutual fund transactions
fees, postage and handling and miscellaneous fees (fee levied to recover costs associated with
fees assessed by self-regulatory organizations). Our fees are exclusive of certain charges
imposed by broker-dealers, and other third parties such as custodial fees, 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.

Item 7: Types of Clients

We provide financial planning and portfolio management services to individuals, high net-
worth individuals, charitable organizations, corporations or other businesses.
We do not have a minimum account size requirement.