CURA Wealth Advisors LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Comprehensive Portfolio Management:

The maximum annual fee charged for this service will not exceed 1.00%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the client. Our firm bills on cash unless indicated
otherwise in writing. Annualized fees are billed on a pro-rata basis monthly in arrears based on the value
of the account(s) on the last day of the month. Fees are negotiable and will be deducted from client
account(s). In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand
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the following:
The client’s independent custodian sends statements at least quarterly showing the market values for
each security included in the Assets and all account disbursements, including the amount of the advisory
fees paid to our firm;
    a) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm
         will send an invoice directly to the custodian; and
    b) If our firm sends a copy of our invoice to the client, a legend urging the comparison of information
         provided in our statement with those from the qualified custodian will be included.

Fees charged for third party manager services shall be in addition to our advisory fees. The third party
money managers we recommend will not directly charge you a higher fee than they would have charged
without us introducing you to them. Third party money managers establish and maintain their own
separate billing processes over which we have no control. In general, they will directly bill you and
describe how this works in their separate written disclosure documents.

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement
with the client. The maximum hourly fee to be charged will not exceed $350. Flat fees range from $1,500
to $10,000. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed
in the signed consulting agreement. Our firm will not require a retainer exceeding $1,200 when services
cannot be rendered within 6 months.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, either based on a
percentage of the dollar amount of assets in the account(s) or via individual transaction charges. These
transaction fees are separate from our firm’s advisory fees and will be disclosed by the chosen custodian.
Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction fees for U.S. listed equities and
exchange traded fund.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments, charges
imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the
fund’s prospectus (e.g., fund management fees and other fund expenses), distribution fees, surrender
charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and mark-downs, spreads
paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees
and taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of these
fees.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Comprehensive Portfolio
Management services in writing at any time. Upon notice of termination pro-rata advisory fees for
services rendered to the point of termination will be charged. If advisory fees cannot be deducted, our
firm will send an invoice for due advisory fees to the client.

Financial Planning & Consulting clients may terminate their agreement at any time before the delivery of
a financial plan by providing written notice. For purposes of calculating refunds, all work performed by us
up to the point of termination shall be calculated at the hourly fee currently in effect. Clients will receive a
pro-rata refund of unearned fees based on the time and effort expended by our firm.

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Commissionable Securities Sales

Our firm and representatives do not sell securities for a commission in advisory accounts.

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging us.