CTA Wealth Advisors Inc

Item 5: Fees and Compensation
   Description
       CTA bases its fees on a percentage of assets under management, fixed fees, or hourly
       charges. For additional information, please see the Advisory section for various fee
       structures.

        Financial Planning Service Agreements will be priced based on the complexity of the
        work required associated with the client situation.

        Fees are negotiable.

   Fee Billing
        Investment management fees for Investment Update Service™ clients are billed
        quarterly or semi-annually, in arrears, meaning that we invoice you after the three-
        month or six-month billing period has ended. Payment in full is expected upon
        invoice presentation.

        Fees may be deducted from a designated client account to facilitate billing. CTA will
        provide the client with a letter of instruction which requires client signature(s) and the
        custodian will forward payment directly to CTA.

        Investment management fees for Focus Partners Advisor Solutions (FPAS) clients are
        billed quarterly, in advance. This means that FPAS will invoice you at the beginning
        of the three-month billing period. The fee billed is based on the previous quarter

                                   CTA Wealth Advisors, Inc.

     ending balance (i.e., fees for the first quarter are based on the December 31st balance).
     Fees are deducted from a designated client account to facilitate billing. The fee
     amount is disclosed with quarterly reports. However, an alternate account may be
     used to facilitate billing. The client must consent in advance to direct debiting of
     their investment account for an alternate account to be used.

     Fees for financial plans are billed upon the completion and delivery of the financial
     plan and/or Executive Summary. Fees for retainer or hourly engagements are billed
     as fees are earned on a monthly or quarterly basis.

Other Fees
    Ticket charges may apply to clients charged by the applicable custodian. In our
    opinion, these transaction charges are small and incidental to the purchase or sale of a
    security. The selection of the security is more important than the nominal fee that the
    custodian charges to buy or sell the security.

     CTA, in its sole discretion, may waive its minimum fee and/or charge a lesser
     investment advisory fee based upon certain criteria (i.e., historical relationship, type
     of assets, anticipated future earning capacity, anticipated future additional assets,
     dollar amounts of assets to be managed, related accounts, account composition,
     negotiations with clients, etc.).

     Certain mutual funds and variable insurance products in which the client invests
     distribute commissions and other payments known as 12b-1 fees to broker-dealers.
     An Advisory Associate, as a registered representative of Cetera Wealth Services,
     LLC (Cetera), will receive this compensation paid through Cetera. The receipt of
     commissions or 12b-1 fees received will be disclosed in the mutual fund or variable
     product prospectus. Any such payment distributed by a mutual fund or variable
     insurance product is not considered in the calculation of fees, nor are such fees
     credited back to the client’s account.

     This practice presents a conflict of interest in that there is an incentive to recommend
     investment products based on the compensation received, rather than on a client’s
     needs. This conflict of interest is addressed on a case-by-case basis.

     Clients have the option to purchase investment products recommended through other
     brokers or agents not affiliated with CTA.

     Additional information may be found in the “Other Financial Industry Activities and
     Other Business Activities” section of this brochure.

Expense Ratios
    Mutual funds generally charge a management fee for their services as investment
    managers. The management fee is called an expense ratio. For example, an expense
    ratio of 0.50 means that the mutual fund company charges 0.50% for their services.
    These fees are in addition to the fees paid by you to CTA Wealth Advisors, Inc.

                                CTA Wealth Advisors, Inc.

   Past Due Accounts and Termination of Agreement
        See “Termination of Agreement” above for details. CTA reserves the right to stop
        work on any account that is overdue. In addition, CTA reserves the right to terminate
        any financial planning engagement where a client has willfully concealed or has
        refused to provide pertinent information about financial situations when necessary
        and appropriate, in CTA’s judgment, to providing proper financial advice.

Item 7: Types of Clients
   Description
       CTA Wealth Advisors, Inc. generally provides investment advice to individuals and
       families, including high net worth individuals, pension and profit-sharing plans,
       trusts, estates, charitable organizations, corporations or other business entities.

        Client relationships vary in scope and length of service.

   Account Minimums
       The minimum account size is $500,000.00 of assets under management. However,
       CTA Wealth Advisors, Inc. may waive the account minimum.

        Clients receiving ongoing asset management services under our Investment Update
        Service™ program may be assessed a minimum annual fee. Clients with assets
        below the minimum account size may pay a higher percentage rate on their annual
        fees than the fees paid by clients with greater assets under management.