Curtis Capital Advisors LLC

Item 5: Fees and Compensation
  A. Advisor is compensated for its advisory services primarily by fees charged based on a client’s
     assets under management with Advisor. For clients that do not wish to engage Advisor to provide
     ongoing portfolio management or advisory services, Advisor alternatively offers standalone
     financial planning services on a flat-fee or hourly basis, subject to negotiation with a client. The
     hourly rate for standalone financial planning services is $500 an hour. Fixed fees for standalone
     financial planning services begin at $2,500.

      Fees are negotiable, and each client’s specific fee schedule is included as part of the investment
      advisory      agreement         signed         by       Advisor        and        the        client.

      Advisor’s standard fee schedule is included below, subject to negotiation with a client:

           Client Assets Under Management                               Annual Fee Percentage
                                                                           (paid quarterly)
                      $0 - $999,999                                             1.00%
                 $1,000,000 - $2,999,999                                        0.75%
                 $3,000,000 - $9,999,999                                        0.50%
                 $10,000,000 and above                                          0.25%

  B. The fee schedule above is a ‘tiered’ or ‘blended’ fee schedule, which means that different annual
     fee percentages will apply to different ranges of client assets under Advisor’s management. Fees
     are deducted in advance on a quarterly basis from clients’ assets and based upon the average
     daily balance of such assets managed by Advisor during the prior calendar quarter. Outstanding
     margin balances and cash are included in the assets upon which fees are assessed.

  C. In addition to the fees charged by Advisor, clients will incur brokerage and other transaction costs
     from parties other than the Advisor. Please refer to Item 12: Brokerage Practices, for further
     information on such brokerage and other transaction-related practices. Clients will also typically
     incur additional fees and expenses imposed by independent and unaffiliated third-parties, which
     can include qualified custodian fees, mutual fund or exchange traded fund fees and expenses,
     mark-ups and mark-downs, spreads paid to market makers, wire transfer fees, check-writing fees,
     early-redemption charges, certain deferred sales charges on previously-purchased mutual funds,
     margin fees, charges or interest, IRA and qualified retirement plan fees, and other fees and taxes
     on brokerage accounts and securities transactions. These additional charges are separate and
     apart from the fees charged by Advisor and Advisor does not share in these charges.

  D. If Advisor or client terminates the advisory agreement before the end of a quarterly billing period,
     Advisor’s fees will be prorated through the effective date of the termination. The pro rata fees for
     the remainder of the quarterly billing period after the termination will be refunded to the client.

  E. We do not charge referral fees to clients for the provision of Referral Services. However, the Third-
     Party Advisor to whom we refer will generally charge referred clients an advisory fee, a portion of
     which will be shared with us. Such advisory fees are not increased solely as a result of our referral.
     The specific amount to be paid by Third-Party Advisors to us will vary. Clients referred to a Third-
     Party Advisor by us will receive a disclosure statement that details the fee payment arrangement
     between us and the Third-Party Advisor.

  F. Associated persons of the firm are allowed to be licensed insurance agents, and from time to time
     will earn an ordinary and customary commission from insurance commissions shared with the
     various insurance agency(ies) whose products are sold. This creates a conflict of interest, because
     the individual has the potential to earn both a shared insurance commission and advisory fee
     revenue from a client. The firm addresses this conflict of interest by fully disclosing this insurance
     commission sharing arrangement in this brochure, by only making an insurance agency referral

                                      Date of Brochure: June 11, 2026

when believed to be in the best interest of clients, and informing clients in this brochure that they
are under no obligation to purchase an insurance product through the insurance agency to whom
he refers clients.

                                Date of Brochure: June 11, 2026

Item 7: Types of Clients
Advisor generally provides its services to individuals, high-net-worth individuals, and trusts. Advisor does
not require a minimum account value to open or maintain an account.

                                        Date of Brochure: June 11, 2026