Encompass Wealth Advisors LLC

Item 5. Fees and Compensation

The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets under management
or advisement. Additionally, certain of the Firm’s Supervised Persons, in their individual capacities, may offer securities
brokerage services and/or insurance products under a separate commission-based arrangement.

Financial Planning and Consulting Fees

Encompass generally charges a fixed fee for providing financial planning and consulting services under a stand-alone
engagement. These fees are negotiable, but generally range from $2,500 to $10,000, depending upon the scope and
complexity of the services and the experience of the professional rendering the services. If the client engages the Firm
for additional investment advisory services (such as investment management services), Encompass may offset all, or a
portion of its fees based upon the amount paid for the financial planning and/or consulting services.

The terms and conditions of the financial planning and/or consulting engagement are set forth in                the Advisory
Agreement, and Encompass generally requires one-half of the fee (estimated fixed)        payable upon execution of the
Advisory Agreement. The outstanding balance is generally due upon delivery of the financial plan or completion of
the agreed upon services. The Firm does not, however, take receipt of $1,200 or more in prepaid fees in excess of six
months in advance of services rendered.

Wealth Management Fees

Encompass offers wealth management services for an annual fee based on the amount of assets under the Firm’s
management. This management fee generally varies between 50 and 150 basis points (0.50 % –1.50%), depending upon
the size and composition of a client’s portfolio and the type of investment strategies and services rendered. The
annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets being managed
by Encompass on the last day of the previous billing period.

If assets in excess of $10,000 are deposited into or withdrawn from an account after the inception of a billing period,
the fee payable with respect to such assets is adjusted to reflect the interim change in portfolio value. For the initial

   Encompass Wealth Advisors, LLC                                                              January 1, 2026 – v1

period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement is terminated,
the fee for the final billing period is prorated through the effective date of the termination, and the outstanding or
unearned portion of the fee is charged or refunded to the client, as appropriate.

Fee Discretion

Certain legacy clients may be subject to a different fee schedule or billing arrangements. In addition, Encompass
may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, pre-existing          client relationship, account retention and pro bono activities. In addition, for
management services the Firm provides with respect to certain client holdings (e.g., held-away assets, accommodation
accounts, alternative investments, etc.), Encompass may negotiate a fee rate that differs from the range set forth above.

Additional Fees and Expenses

In addition to the advisory fees paid to Encompass, clients may incur certain charges imposed by other third parties,
such as broker-dealers, custodians, trust companies, platform service providers, banks, and other financial institutions
(collectively “Financial Institutions”). These     additional charges may include securities brokerage commissions,
transaction fees, custodial        fees, fees attributable to alternative assets, reporting charges, fees charged by the
Independent Managers and third party service providers, margin costs, charges imposed directly by a mutual fund or
ETF in a client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and
taxes on brokerage accounts and securities transactions. The Firm’s brokerage practices are described at length in Item
12, below.

Direct Fee Debit

Clients generally provide Encompass and certain Independent Managers with the authority to directly debit their
accounts for payment of the investment advisory fees. The Financial Institutions that act as the qualified custodian for
client accounts, from which the Firm retains the authority to directly deduct fees, have agreed to send statements
to clients not less than quarterly detailing account transactions, including any amounts paid to Encompass.

Account Additions and Withdrawals

As stated above, clients may make additions to and withdrawals from their account at any time, subject to Encompass’
right to terminate an account. Additions may be in cash or securities provided that the Firm reserves the right to
liquidate any transferred securities or declines to accept particular securities into a client’s account. Clients may
withdraw account assets on           notice to Encompass, subject to the usual and customary securities settlement
procedures. However, the Firm generally designs its portfolios as long-term investments, and the withdrawal of assets
may impair the achievement of a client’s investment objectives. The Firm may consult with its clients about the options
and implications of transferring securities. Clients are advised that when transferred securities are liquidated, they may

  Encompass Wealth Advisors, LLC                                                                January 1, 2026 – v1
...

Item 7. Types of Clients

Encompass offers services to high-net-worth individuals, pension and profit-sharing plans, trusts,       estates, charitable
organizations, corporations, and business entities.

Minimum Account Requirements

Encompass does not impose a stated minimum fee or minimum portfolio value for starting and maintaining an
investment management relationship. Certain Independent Managers may, however, impose more restrictive account
requirements and billing practices from the Firm. In these instances, Encompass may alter its corresponding account
requirements and/or billing practices to accommodate those of the Independent Managers.

  Encompass Wealth Advisors, LLC                                                               January 1, 2026 – v1