Continuum Advisory LLC

ITEM 5: FEES AND COMPENSATION
We provide services for a fee, which may consist of fixed fees or fees calculated as a percentage of assets under
management. Additionally, we have certain Advisors in their individual capacities that can offer securities
brokerage services and/or insurance products under a separate commission-based arrangement.

Financial Planning and Consulting Fees
We offer a variety of planning fees that may include an up‑front initial planning fee, an ongoing periodic fee, or a
combination of both. These fees are negotiable and vary based on the scope and complexity of the engagement
and the Advisor delivering the services. The initial planning fee generally covers the upfront work of developing
the financial plan, while ongoing fees cover continued access, periodic updates, and ongoing advisory support. If
clients also engage our Advisors for additional investment advisory services, we may reduce or waive some or all
of those advisory fees based on the amount paid for financial planning and/or consulting services.

The terms and conditions of each financial planning and/or consulting engagement are detailed in the Financial
Planning / Consulting Agreement(s). Depending on the Advisor delivering the services, we may request a portion
of the initial planning fee in advance, with any remaining balance generally due upon delivery of the financial
plan or completion of the agreed‑upon services. Ongoing fees begin once ongoing services commence and are
billed monthly, quarterly, or annually based on the arrangement selected. These fees continue until terminated
in writing. Consistent with regulatory requirements, we do not accept $1,200 or more in prepaid fees for
services scheduled more than six months in advance. Our Advisors may also provide ongoing financial planning
services under an annual service model billed periodically (monthly, quarterly, or annually), which continues
until terminated in writing.

Total Management Fees
We offer investment management services for an annual fee based on the total assets under the Firm’s
management, including cash and cash equivalents. The Total Management Fee is structured in tiers, ranging
from 0 to 295 basis points (0.00% to 2.95%) annually. This fee is fully negotiable and may vary at the discretion
of the Advisor and Firm, based on factors such as the nature of the Advisor’s relationship with the client, the size
and composition of the client’s portfolio, the type of services provided, and any other relevant considerations.

Advisors generally have discretion to determine the advisory fees they charge, provided that the Total
Management Fee does not exceed 295 basis points (2.95%) and remains aligned with the Firm’s current tiered
fee structure. While the Firm expects Advisors to follow the established tiers as the standard framework for
pricing, in rare and exceptional circumstances an Advisors may request Firm approval to depart from the tier
structure when warranted by unique client needs or special situations. Any such exception must be reviewed
and approved by the Firm in advance.

Continuum Advisory, LLC Form Adv Part 2A Brochure   Page 8 of 28                                   March 2026

Continuum’s Total Management Fee for the Amplify Platform is prorated and charged quarterly, in advance,
based upon the market value of the assets (including cash, cash equivalents) being managed by us on the last
day of the previous billing period. If assets are deposited into or withdrawn from an account during any
month following a billing quarter, we will prorate the fee after the end of the quarter and either bill for the
additional amount or issue a credit, as applicable. For the initial period of engagement, the fee is calculated
on a pro rata basis. In the event the Advisory Agreement is terminated, the fee for the final billing period is
prorated through the effective date of the termination and the outstanding or unearned portion of the fee is
charged or refunded to the client as appropriate.

Additionally, for investment management services the Firm provides with respect to certain client holdings
(e.g., held-away assets, courtesy accounts, fee-based variable annuities, alternative investments, etc.),
Continuum has in the past, and can in the future negotiate a fee rate that differs from the range set forth
above. In addition, for a fee-based variable annuity, the fee is usually calculated by the insurance company
issuing the policy and paid in advance or arrears as applicable.

The Owners at Continuum have an incentive to recommend investments that enable the firm to retain a larger
portion of the Total Management Fee. Such recommendations present a conflict of interest in that the owners
have a financial incentive to recommend Continuum Capital Management (CCM) models where they will receive
additional compensation. To mitigate this conflict, we disclose its existence to clients at the time of solicitation
through the delivery of this brochure. Continuum clients are under no obligation to utilize CCM proprietary
models.

Refer to the TPAM’s ADV and applicable new account opening document(s) for specifics regarding their billing
practices.
Amplify Separately Managed Account Manager Fees and Sub-Advisory Service Fees
As discussed above, our Advisors are required to use the Amplify platform to perform certain back‑office
services. When a Continuum client account utilizes an Amplify Separately Managed Account (“SMA”) Manager,
the account will incur two types of fees:
    1. The Advisor Fee, and
    2. The SMA Manager Fee

Together, these make up the Total Management Fee.

SMA Manager Fee
If an account is managed by an SMA Manager through the Amplify platform, the SMA Manager Fee generally
ranges from 0.20% to 1.50% annually. This fee is billed quarterly in advance, based on the market value of the
account as of the last business day of the prior quarter.

Continuum Advisory’s Retained Portion
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ITEM 7: TYPES OF CLIENTS
We offer services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations,
corporations, and business entities.

We do not impose a stated minimum fee or minimum portfolio value for starting and maintaining an investment
management relationship. Certain Third-Party Programs, TPAMs and SMA Managers do, however, impose
investment minimums.

If a client’s account is a pension or other employee benefit plan governed by ERISA, we may be a fiduciary to the
plan. In providing our investment management services, we are obligated to adhere to a standard of care that
requires us to act with the same level of care, skill, prudence, and diligence that a prudent individual,
knowledgeable in such matters, would exercise under similar circumstances in managing a similar enterprise
with similar objectives. We will provide certain required disclosures to the “responsible plan fiduciary” (as such
term is defined in ERISA) in accordance with Section 408(b)(2), regarding the services we provide, and the direct
and indirect compensation received from such clients. These disclosures are normally contained in this Form
ADV Part 2A, the Advisory Agreement and/or in separate ERISA disclosure documents and are designed to
enable the ERISA plan’s fiduciary to: (1) determine the reasonableness of all compensation received by us; (2)
identify any potential conflicts of interests; and (3) satisfy reporting and disclosure requirements to plan
participants.