CORA Capital 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 more
written agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid monthly, in advance of each month, pursuant to the terms of the wealth management
agreement. Wealth management fees are based on the market value of assets under management at the end of the
prior month. For Clients with less than $100,000 in assets under management, there is a minimum fee of $1000 per
household subject to the Advisor’s Discretion. Wealth management fees are based on the following fee schedule:

                              Assets Under Management ($)                  Annual Rate (%)
                              Up to $500,000                                   1.15%
                              $500,001 to $1,000,000                           1.00%
                              $1,000,001 to $3,000,000                         0.75%
                              $3,000,001 to $5,000,000                         0.65%
                              $5,000,001 and over                              0.50%

The wealth management fee in the first month of service is prorated from the inception date of the account[s] to the end
of the first month. 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
CCA 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.

Financial Planning Services
CCA typically offers financial planning services as part of its overall wealth management services and fees. However,
for Clients with less than $2,000,000 in assets under management or for Clients seeking standalone financial planning
services, CCA may offer financial planning services for a fixed project-based fee ranging from $1,500 to $7,500. Fees
may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with
the Advisor. An estimate for total hours and/or overall costs will be provided to the Client prior to engaging for these
services.

Use of Independent Managers

                                                 Cora Capital Advisors LLC
                                         4 Eves Drive, Suite B100, Marlton NJ 08053
                                         Phone: (856) 513-8600 | Fax: (856) 513-8686

As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. The Advisor will
allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed
agreement between the Advisor and the Independent Manager. The total blended fee, including the Advisor’s fee
and the Independent Manager’s fee, will not exceed 2.00% annually.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are paid quarterly or monthly (“Billing Period”), in advance or arrears,
pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees range up to 1.00%
annually. Retirement plan advisory fees are based on the market value of assets under management at the
beginning, end, or average daily balance during the Billing Period. Fees may be negotiable depending on the size and
complexity of the Plan.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the
Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from
the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the monthly
rate (annual rate divided by 12) to the total assets under management with CCA at the end of the prior month. Clients
will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management
fee. Clients are urged to also review the brokerage statement from the Custodian, as the Custodian does not perform a
verification of fees. Clients provide written authorization permitting advisory fees to be deducted by CCA to be paid
directly from their account[s] held by the Custodian as part of the wealth management agreement and separate account
forms provided by the Custodian.

Financial Planning Services
Financial planning fees are invoiced up to one hundred percent (100%) upon execution of the agreement.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees will include CCA’s wealth
management fee (as noted above) plus investment management fees and/or platform fees charged by the
Independent Managers. The Independent Managers will assume the responsibility for calculating the Client’s fees
and deducting all fees from the Client’s account[s].

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan,
depending on the terms of the retirement plan advisory agreement.

C. Other Fees and Expenses
...

Item 7 – Types of Clients

CCA offers investment advisory services to individuals, high net worth individuals, trusts, estates, pension and profit-
sharing plans, and businesses. The amount of each type of Client is available on CCA’s Form ADV Part 1A. These
amounts may change over time and are updated at least annually by the Advisor. For Clients with less than $100,000
in assets under management, there is a minimum fee of $1000 per household subject to the Advisor’s Discretion.