Consultiva Wealth Management Corp

Item 5- Fees and Compensation

Invoicing Methodology

Consultiva advisory fees are calculated based on the assets under management/advisement for the
client (i.e., the total portfolio market value including securities net value, money market funds, and
cash) as of the last day of the previous quarter and are billed either in advance or in arrears on a
quarterly basis as set out in the agreement between the client and Consultiva.

Consultiva Wealth Management Corp – Form ADV Part 2, March 31, 2026,                       Page 8

**Calculation: Client total Portfolio MV * basis points / 4 quarters = Quarterly Fee

The client may direct the selected custodian to allow the deduction of fees. The Advisor shall send a
quarterly invoice to the Custodian indicating the amount of the fees to be deducted from the Client
Account. Clients will receive independent statements from the Custodian no less frequently than
quarterly. In addition, the Advisor will provide the Client a written invoice itemizing the fee,
including the calculation period covered by the fee, the total portfolio market value and the
methodology used to calculate the fee. No adjustment is made to the fee throughout a quarter for
appreciation or depreciation in the value of the account.

Fees may differ for a variety of reasons, including but not limited to sub-advisory relationships,
discretionary relationships, non-discretionary relationships, or for certain special project-based
arrangements. The suggested minimum portfolio size is $1,000,000, nevertheless exceptions may be
granted on a case-by-case basis.

All fees are negotiable, depending on the client’s particular circumstances, such as their asset
allocation, frequency of reporting, types of investments or other services the client may require.

Fee for Non-Discretionary Services (Applicable to Institutional clients, Individual clients, and
Retirement Plans)

Our fees for non-discretionary investment advisory services are negotiated based on the scope of
services and size of relationship. Fees range from 0.50% per annum to 2.00% per annum.

Fee for Full Discretionary Services (Applicable to Institutional clients and Individual clients)

Our fees for discretionary investment advisory services are negotiated based on the scope of services
and size of relationship. Fees range from 0.75% per annum to 2.00% per annum.

Fees for the Unified Managed Account Program – Limited Discretionary Services (Applicable
to Institutional clients and Individual clients)

Consultiva may charge an additional fee of no more than 0.75% for discretionary investment advisory
services related to the Unified Managed Account Program. Fees are negotiated based on client
circumstances, including, but not limited to, certain legacy holdings in client portfolios.

ERISA Plan Services Fees

The annual fees are based on the market value of the Assets included and shall not exceed 2%. Fees
may be charged quarterly or monthly in arrears or in advance based on the assets as calculated by the
custodian or record keeper of the Assets (without adjustments for anticipated withdrawals by Plan
participants or other anticipated or scheduled transfers or distribution of assets) on the last business
day of the previous quarter. If the services to be provided start any time other than the first day of a
quarter, the fee will be prorated based on the number of days remaining in the quarter. If the agreement
is terminated prior to the end of the fee period, Consultiva shall be entitled to a prorated fee based on
the number of days during the fee period services were provided.

Consultiva Wealth Management Corp – Form ADV Part 2, March 31, 2026,                          Page 9

The fee schedule, which includes compensation for Consultiva services is described in detail in the
ERISA Plan Agreement. The Plan is obligated to pay the fees; however, the Plan Sponsor may elect
to pay the fees. Each Client may elect to be billed directly or have fees deducted from Plan Assets.
Consultiva does not reasonably expect to receive any additional compensation, directly or indirectly,
for its services. If additional compensation is received, Consultiva will disclose this compensation,
the services rendered, and the payer of compensation.

Fixed Fees and Hourly Fees

Consultiva may also charge fixed or hourly fees that are negotiated, depending upon the scope of the
client’s needs or mandate.

General Information on Advisory Services and Fees

Fee Differentials. Fees are typically set or negotiated by each representative, up to our maximum fee
set forth above. As a result, any Consultiva client could pay fees that are higher or lower than the fees
charged to other Consultiva clients, based upon the market value of their assets, the complexity of the
engagement, and the level and scope of the overall investment advisory and/or consulting services to
be rendered. Further, the services to be provided by Consultiva to any particular client could be
available from other advisers at lower fees. All clients and prospective clients should be guided
accordingly.

Fees During Partial Month or Quarters of Service. For the initial period of investment management
services, the fees are calculated on a pro-rata basis.

Cash Management. Consultiva considers cash to be an asset class, which Consultiva generally
manages as part of its portfolio management services. The value of cash in client accounts is therefore
generally included in Consultiva’s fee calculation, although Consultiva reserves the right to make
exceptions to this practice in its sole discretion. At times of low yield, the Firm’s management fee
will exceed the yield on the cash.

Margin Balances. Consultiva reserves the right to base its advisory fees on the market value of the
securities held in clients’ accounts, including the value of assets purchased using margin. This practice
creates a conflict of interest, because the greater the value of the assets in the client’s account, the
...

Item 7- Types of Clients
Consultiva offers investment advisory services for the following types of clients: individuals and
families, high net worth individuals, pension and profit-sharing plans, 401k plans, 403B plans,
1081.01 plans, endowments, foundations, credit unions, Taft-Hartley plans, insurance companies,
trusts and estates, charitable organizations, state government entities and corporations and similar
business entities (i.e., limited liability companies, partnerships, and professional partnerships).

Consultiva generally seeks a minimum portfolio size of $1,000,000 for institutional clients and
$500,000 for individuals. Consultiva may, in its sole discretion, accept clients with smaller portfolios.
Consultiva, at its sole discretion, may aggregate the portfolios of related clients to meet the minimum
portfolio size. In addition, Consultiva may raise, waive, or modify its account requirements to
accommodate account requirements of sub-advisors, if necessary.

Consultiva Wealth Management Corp – Form ADV Part 2, March 31, 2026,                          Page 13