Eldridge Investment Advisors Inc

Item 5 – Fees and Compensation
Fee Schedules
INVESTMENT MANAGEMENT SERVICES FEES
The annual advisory fee for management services is a maximum of 1.00% of assets under management, including cash
holdings. All advisory feesare negotiable. EIA will quote an exact percentage for each clientbasedonboththenature
and the total dollar value of the household account, and the amount of the advisory fee will be stated in the LPL
Account Application. We willcharge youin advance at the beginning of each calendar quarter, based upon the quarter-end
value of the account as reflected on custodial account statements. LPL, as the qualified custodian for your account,
is responsible for deducting all advisory fees. EIA and the IAR share the advisory fee.

                                                                                               Eldridge Investment Advisors
                                                                                               Form ADV 2A: Firm Brochure
                                                                                                                May 2026

THIRD-PARTY MANAGERS/CO-ADVISORY PLATFORM FEES
When EIA refers clients to a third-party investment advisory firm, you pay an annual advisory fee to the third-party
advisory firm as set forth in the investment advisory agreement for the third-party advisor. The advisory fee includes
the fee paid to the third-party advisor, and the referral fee paid to EIA. The amount of the referral fee is provided in
writing to the client at the time of the referral. The third-party advisor may also pay a portion of the fee it receives as
compensation to other parties providing services to the client on their behalf. The advisory fee may be payable in
advance or in arrears, as determined by the third-party advisor, and is consistent or less than our other advisory
fees.

FINANCIAL PLANNING SERVICES FEES
All Investment Management clients receive Financial Planning services free of any additional charges by EIA.

RETIREMENT PLAN INVESTMENT MANAGEMENT FEES
Fees for services will be billed based on one of the following methods listed below and in the amount as agreed
upon between EIA and the plan sponsor in the written consulting services agreement and will be charged in arrears.
    •    Annual Flat Fee
    •    Annual Fee Based on a Percentage of Plan Assets
    •    One-Time Flat Rate Fee for Project Specific Work
    •    Hourly Rate

The level of fees will be set based upon the scope, nature and complexity of the services selected by the plan sponsor,
the number of participants in the plan, and the overall size of the plan. Fees are negotiable between EIA and the plan
sponsor. The typical maximum percentage-based fee per year is 1% per plan. Fees may be paid directly by the plan
sponsor or out of plan assets by a service provider or other third party, as authorized by the plan sponsor.
In addition, the plan sponsor may pay a transition expense fee for the first year after the plan transitions to a new
platform/product provider. This fee is intended to cover the additional services (e.g., fund mapping, assistance with
enrollment, additional education to plan committee members and participants, etc.) that EIA will provide because
of a transition.

Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs on the purchases or sales
of mutual funds, equities, bonds, options, margin interest, and exchange-traded funds. Mutual funds, money market
funds, and exchange-traded funds may also charge internal management fees, which are disclosed in the fund’s
prospectus. EIA does not directly receive any compensation from these fees. All of these feesare in addition to the
management fee you pay to EIA.

Payment of Fees
Depending on the program being utilized and the preference of the client, advisory fees will either be drawn directly
from the client’s account or invoiced to the client to be paid to EIA via check.
Investment Management Fees are deducted directly from the Client’s Account. Sub-Advisor fees are deducted
directly from the Client’s Account.
For TPM services, the method of payment will be disclosed in the TPM’s Form ADV Part 2. EIA’s portion of the fees
are remitted to EIA from the TPM.
Retirement Plan Services Fees are deducted directly from the Client’s Account.
EIA, in its sole discretion, may charge a lesser investment advisory fee based upon certain criteria (e.g., 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.).

                                                                                              Eldridge Investment Advisors
                                                                                              Form ADV 2A: Firm Brochure
                                                                                                               May 2026

For all services, Clients may terminate their engagement with EIA within five (5) business days of signing an
Agreement with no obligation and without penalty. After the initial (5) business days, the Agreement may be
terminated by EIA with thirty (30) days written notice to Client and by the Client at any time with written notice to EIA.
For accounts opened or closed mid-billing period, fees will be prorated based on the days services are provided
during the given period. All unpaid earnedfeeswill be due to EIA, and all unearned fees will be refunded to the Client.

Fee Differentials
As indicated above, EIA prices its services based upon various objective and subjective factors. Clients could pay
diverse fees based upon the market value of their assets, the complexity of the engagement, and the level and scope of
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Item 7 – Types of Clients
EIA provides services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations,
and corporations.
There is a $25,000 minimum to establish an asset management program account, though EIA may make exceptions
and accept smaller accounts when related to another existing account being managed by EIA. Certain Co-Advisory
Platform accounts and TPM accounts have minimum account opening requirements.