Cresta Advisors Ltd

Item 5 – Fees and Compensation

Retirement Plan Services Fees
The standard fee schedules for the Discretionary 3(38) and Non-Discretionary 3(21) Fiduciary Services
programs (the “Programs”) is 1.5% of assets under management or lower. This fee may be negotiable
based upon certain circumstances.

Advisory fees for the plan are paid to us by the plan, or directly from the plan sponsor, or in some cases a
combination of both. These fees are generally collected by the plan record keeper or vendor and paid
directly to our firm. This fee includes services as an ERISA section 3(21) or 3(38) fiduciary with respect to
client’s plan.

The timing of fees paid is generally at the beginning of the upcoming quarter, based upon asset levels at
the end of the preceding quarter. Cresta Advisors’ advisory agreement with each plan sponsor outlines
the timing of fees collected and the process of fee remittal to our firm.

You may also incur fees related to your use of outside service providers including third-party
administrators and record keepers. The fee schedule for each outside service provider varies dramatically
from service provider to service provider. The service provider’s fees will also vary from plan to plan as
each plan’s structure and characteristics are different from the next.

We believe our services help plan sponsors and plan fiduciaries meet their fiduciary duty to the plan and
its participants. As a part of our services, we review the fees of service providers and the transparency of
their fees. We will assist the plan sponsors with a review of service providers including the third-party
administrator, daily record keeper, and custodian to ensure that their services, along with ours, remain
competitive to alternatives that are available.

Financial Consulting Fees
If sought separately from asset management services, we will charge an hourly fee of $250 for our
financial consulting services. We can provide an-in depth analysis of your financial situation or other
defined projects as requested. Based upon your needs, we may provide consultations throughout the year
to advise and counsel you about other financial issues. We can help you with transition planning,
transaction services, major transaction analysis, coordinated with cash flow needs, retirement needs,
estate planning needs, income tax planning, life and disability insurance needs, investment needs, and
college education planning.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee
the results of any of our recommendations.

Portfolio Management Fees
We offer portfolio management services to individuals, high net worth individuals, trusts, estates,
corporations, trusts, endowments, non-profits, public entities and small businesses as a part of our wrap
fee program. A wrap fee program (“bundled”) allows you to pay a specified fee for portfolio management
services and the execution of transactions. The fee is not based directly upon transactions in your account.

Cresta Advisors               ADV Part 2A             March 26                  Page 10 of 24
                                                                           © 2010 – 2023 Red Oak Compliance Solutions LLC

The fee is bundled with our costs for executing transactions in your account(s). However, the Adviser
does not cover the transaction fees charged in accordance with Section 31 of the Securities Exchange Act
of 1934. These are fees that are charged by the SEC and collected by the custodian. Our fee schedule has
a fee of 1.5% or lower for asset allocation profiled and 0.65% or lower for fixed income profiled. Please
see our wrap fee brochure for additional details regarding our services and fees.

Automatic Payment of Fee
The Client agrees to authorize the Custodian to pay directly to Cresta Advisors upon receipt of notice, the
Account's investment advisory services fee. Fee withdrawals will occur no more frequently than quarterly
from the Client's Account, unless specifically instructed otherwise by the Client.

The Custodian will send to the Client a statement, at least quarterly, indicating all amounts disbursed from
the Account, including the fee paid directly to Cresta Advisors. Cresta Advisors' access to the Assets of
the Account will be limited to trading and the withdrawals authorized above.

Alternatively, the client may elect to receive an invoice instead of a direct fee deduction from their
advisory account. Cresta Advisors will send to the Client an invoice reflecting the amount of the fee, the
previous quarterly average daily balance for the Client's Account on which the fee was based, and the
specific manner in which the fee was calculated. You can pay the fee directly to us via check, ACH, through
an approved third-party payment platform. Fees are due in full 15 days after receipt of the invoice.

Item 6 – Performance Based Fee and Side by Side Management

We do not charge any performance-based fees. These are fees based on a share of capital gains on or
capital appreciation of the assets of a client.

Item 7 – Types of Client(s)

ERISA 3(21) and 3(38) fiduciary services are only offered for plan sponsors of ERISA based plans. Financial
consulting services are offered to individuals, high net worth individuals, trusts, estates, corporations,
endowments, public entities, non-profits and small businesses.

Wrap Fee Clients

For our wrap fee clients, We require an initial minimum account size opening balance of $250,000. The
account size may be negotiable based upon the individual circumstances. Participation in the wrap fee
program generally is initiated by submitting a completed account application, portfolio management
agreement, and risk questionnaire.

The Adviser provides portfolio management services to individuals, high net worth individuals, trusts,
estates, corporations, trusts, endowments, non-profits and small businesses. Several factors may
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