Encore Wealth Advisors LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory
Contract, the Advisory Contract may be terminated by the Client within five (5) business days of signing the
Advisory Contract without penalty or incurring any fees. At no time do we require prepayment of $1,200 or
more six months or more in advance of rendering the services.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our
fees, however, you should review your executed Advisory Contract for more detailed information regarding
the exact fees you will be paying. Fees are negotiable and some fees may vary by Client for similar services.
No increase to the agreed-upon advisory fees outlined in the Advisory Contract shall occur without prior
Client consent.

Wealth Management Services

The annual advisory fee is paid quarterly in advance based on the value of Client’s account(s) as of the first
day of the billing period at a rate of up to 1.60%. Fees are negotiable. For Client’s account(s) not utilizing an
Outside Manager (TAMP), the advisory fee is based on the balance on the last day of the quarter and will be
paid quarterly in advance at the rate of up to 1.60%.

In determining the advisory fee, we may allow accounts of members of the same household to be
aggregated. EWA relies on the valuation as provided by Client’s custodian in determining assets under
management. Our advisory fee is prorated for any partial billing periods occurring during the engagement,
including the initial and terminating billing periods. Adjustments will be made for deposits and withdrawals
during the billing period.

If EWA utilizes an Outside Manager, the above fee schedule includes the Outside Manager’s fee. The Outside
Manager will debit the Client's account for both the Outside Manager's fee, and EWA's advisory fee, and will
remit EWA's fee to EWA. The Outside Manager’s advisory fees, billing schedule, and payment procedures are
set forth in their separate written disclosure documents, advisory agreements, and/or the account opening
documents of your account Custodian. At no point will the combined fee charged to the Client exceed 2% of
assets under management.

Ongoing Financial Planning

EWA collects an initial fee of up to $2,000. The initial fee covers the initial construction of the comprehensive
financial plan. This work will commence immediately after the fee is paid, and the length of time required to
complete and deliver the plan is dependent on several factors including the needs of the Client, the Client’s
ability to provide any necessary information and documentation, as well as the complexity of their financial
situation. Advisor may reduce or waive the initial fee at the Advisor’s discretion.

Thereafter, we charge a recurring fixed fee of up to $600 per quarter, paid in arrears for Ongoing Financial
Planning services. The fee range is dependent upon variables including the specific needs of the Client,
complexity, estimated time, research, and resources required to provide services to you, among other
factors we deem relevant. Fees are negotiable and the final agreed upon fee will be outlined in your
Advisory Contract.

Project-Based Financial Planning

EWA charges either a fixed or hourly fee for Project-Based Financial Planning. Fixed fee rates range between
$100 to $3,000. Hourly rates range between $100 to $310 depending on the scope of the project.

The fee range is dependent upon variables including the specific needs of the Client, complexity, estimated
time, research, and resources required to provide services to you, among other factors we deem relevant.
Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract. EWA may
request a portion of the fee be collected in advance with the remainder due upon completion of the
services.

Retirement Plan Consulting/Management

The annual advisory fee is based on the average daily balance of the Client’s account(s) and will be paid
quarterly in advance or in arrears at a rate of up to 1.60%. Fees are negotiable.

This does not include fees to other parties, EWA relies on the valuation as provided by Client’s custodian in
determining assets under management. Our advisory fee is prorated for any partial billing periods occurring
during the engagement, including the initial and terminating billing periods.

Educational Seminars

Seminars are offered to organizations and the public on a variety of financial topics. Fees range from $0 to
$3,000 per seminar. The fee range is based on the content, amount of research conducted, the number of
hours of preparation needed, and the number of attendees. EWA collects a portion of the fee in advance
with the remainder due at the conclusion of the Seminar. Advisor offers its services in a virtual or in-person
setting. Should the event require travel arrangements, both parties must agree to the terms of travel (i.e.,
cost, distance, hotel arrangements) at the start of the engagement.

Fee Payment

For Wealth Management services, we deduct our advisory fee from one or more account(s) held at an
unaffiliated third-party custodian, as directed by the Client. Please refer to Item 15 of this Brochure
regarding our policy on direct fee deduction. Clients may also pay by electronic funds transfer (EFT) or check.
We use an independent third party payment processor in which the Client can securely input their payment
information to pay their fee. We do not have access to the Client’s banking or credit information at any time.
The Client will be provided with their own secure portal in order to make payments.

For Financial Planning services and Educational Seminars, fees are paid by electronic funds transfer (EFT) or
check. We use an independent third party payment processor in which the Client can securely input their
...

Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth
individuals, pension and profit sharing plans, charitable organizations, and corporations or other
businesses.

We do not have a minimum account size requirement to open or maintain an account.