Continuum Wealth Advisors LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided
by the Advisor. Each Client engaging the Advisor for services described herein shall be required to
enter into one or more agreements with the Advisor.
A. Fees for Advisory Services

Wealth Management Services For Clients engaged for comprehensive wealth management services,
the Client will be charged a single combined investment advisory fees for investment management and
financial planning. Investment advisory fees are paid quarterly, in advance of each calendar quarter,
pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the
market value of assets under management at the end of the prior
calendar quarter. Investment advisory fees range from 0.60% to 1.00% annually based on the following
tiered schedule:
                           Assets Under Management                       Annual Rate
                           Up to $2,000,000                              1.00%
                           $2,000,001 to $3,000,000                      0.90%

                                           Continuum Wealth Advisors, LLC
                               18 Division Street, Suite 207B, Saratoga Springs, NY 12866

                                      Phone: (518) 583-4050 * Fax: (518) 587-5303
                                                http://www.contwealth.com

                           $3,000,001 to $5,000,000                      0.80%
                           $5,000,001 to $7,500,000                      0.70%
                           $7,500,001 and over                           0.60%

The investment advisory fee in the first quarter of service is prorated from the inception date of the
account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor.
The Client’s fees will take into consideration the aggregate assets under management with the Advisor.
All securities held in accounts managed by Continuum will be independently valued by the Custodian.
The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.
The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody
fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the
Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs.
Use of Independent Managers
As noted in Item 4, Continuum may implement all or a portion of a Client’s investment portfolio through
one or more Independent Managers. For assets managed by an Independent Manager, Continuum’s
advisory fee may be charged at a reduced rate, as set forth in the Client’s investment advisory
agreement, fee schedule, account application, or separate written addendum. Unless otherwise agreed
in writing, this reduced advisory fee applies only to the assets managed by the applicable Independent
Manager and does not apply to assets managed directly by Continuum, which remain subject to
Continuum’s standard fee schedule above.

In addition to Continuum’s advisory fee, the Client may pay separate fees and expenses charged by the
Independent Manager, platform, custodian, broker-dealer, mutual funds, exchange-traded funds, or
other investments or service providers used in connection with the account. The Independent
Manager’s fees are separate from Continuum’s advisory fee unless otherwise stated in writing. The
total blended fee, including Continuum’s advisory fee and the Independent Manager’s fee, will not
exceed 1.00% annually.

Continuum does not receive compensation, referral fees, solicitor fees, revenue sharing, or other
compensation from Independent Managers in connection with recommending or selecting an
Independent Manager. Continuum has a conflict of interest because it charges an advisory fee on
assets allocated to Independent Managers. Continuum may also have a financial incentive to
recommend that assets remain under Continuum’s advisory relationship. Continuum addresses this
conflict by recommending Independent Managers only when Continuum believes the arrangement is in
the Client’s best interest based on the Client’s objectives, circumstances, and needs.

Financial Planning Services –

As noted in Item 4, the Advisor offers its financial planning services as a part of its wealth management
services. Clients may choose to engage the Advisor separately for a fixed fee engagement ranging up
to $4,500. Fees are negotiable depending on the nature and complexity of each Client’s circumstances.
An estimate for total costs will be provided to the Client prior to engaging for financial planning services
401(k) and Profit-Sharing Plan Platform

Fees for employer-sponsored plans are based on assets under management as negotiated with the
Plan Sponsor and typically range up to 0.50% of plan assets under management. The stated fees are

                                           Continuum Wealth Advisors, LLC
                               18 Division Street, Suite 207B, Saratoga Springs, NY 12866

                                      Phone: (518) 583-4050 * Fax: (518) 587-5303
                                                http://www.contwealth.com

charged quarterly in advance or arrears, based on the market value of the total plan assets and
pursuant on the terms of the investment advisory agreement.
All internal fees charged by ETFs, mutual funds and closed end funds are separate and distinct from
the fees charged by Continuum. Continuum does not at any time act as the custodian or third-party
administrator for any retirement plan or employer sponsored plan Client.
B. Fee Billing

Wealth Management Services Investment advisory fees will be calculated by the Advisor and deducted
from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian
...

Item 7 – Types of Clients

Continuum provides investment advisory services to individuals, high net worth individuals, trusts,
estates, retirement plans. Continuum generally requires a minimum relationship size of $500,000. The
minimum
relationship size may be waived at the sole discretion of the Advisor. Additionally, certain Independent
Managers may impose minimums for their investment strategies.

                                           Continuum Wealth Advisors, LLC
                               18 Division Street, Suite 207B, Saratoga Springs, NY 12866

                                      Phone: (518) 583-4050 * Fax: (518) 587-5303
                                                http://www.contwealth.com