EQ Wealth Advisors LLC

ITEM 5 – FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
Our Firm charges a fee as compensation for providing Investment Management services on your
account. These services include advisory services, trade entry, investment supervision, and other
account maintenance activities. Our recommended Custodian charges transaction costs, custodial
fees, redemption fees, retirement plan and administrative fees or commissions. See Additional
Fees and Expenses below for details.
A monthly investment management fee is billed in arrears, calculated based on the average daily
balance of your account during the previous calendar month. Our maximum annual advisory fee
is 1.5%. The relevant fee and billing method is defined and agreed to by the firm and the client in
the executed Investment Advisory Agreement. This fee will be debited directly from your
investment account. Additional fees and expenses you may incur are brokerage commissions,
principal markups and discounts, SEC fees, mutual fund/ETF expense ratios, mutual fund 12B-1
fees, tax withholding on certain foreign securities, postage fees, wire fees, bank charges, and
other administration fees as authorized by you. Please refer to Section 12 for information on
brokerage fees and services.
Fees may vary based on the size of the account, complexity of the portfolio, extent of activity in
the account, or other reasons agreed upon by our Firm and you as the client. In certain
circumstances, our fees and the timing of the fee payments may be negotiated. Fees may vary
based on the extent and complexity of your individual or family circumstances and the amount of
your assets under our management. Our employees and their family-related accounts are charged
a reduced fee for our services.
Unless otherwise instructed by the Client, we will aggregate related client accounts to determine
the account size and annualized fee. The common practice is often referred to as “house-holding”
portfolios for fee purposes and may result in lower fees than if fees were calculated on portfolios
separately. Our method of house-holding accounts for fee purposes looks at the overall family
dynamic and relationship. When applicable and noted in the Appendix of the Investment
Management Agreement, legacy positions will also be excluded from the fee calculation.
The independent and qualified custodian holding your funds and securities will debit your account
directly for the advisory fee and pay that fee to us. When establishing a relationship with EQWA,
you provide written authorization permitting the fees to be paid directly from your account held
by the qualified custodian. Further, the qualified Custodian agrees to deliver an account
statement to you monthly indicating all the amounts deducted from the account including our
advisory fees.
Either EQWA or you may terminate the management agreement immediately upon written notice
to the other party. The management fee will be pro-rated to the date of termination, for the
month in which the cancellation notice was given and any earned fee will be billed to you by our
Firm.
Upon termination, you are responsible for monitoring the securities in your account, and we will
have no further obligation to act or advise with respect to those assets. In the event of client’s
death or disability, we will continue management of the account until we are notified of client’s
death or disability and given alternative instructions by an authorized party.
In no case are EQWA fees based on, or related to, the performance of your funds or investments.

EQ WEALTH ADVISORS, LLC
FEBRUARY 2026 | PAGE 7

TAX PLANNING & CONSULTING
Fees for tax preparation and tax planning services are separate from and in addition to the
advisory fees clients pay for investment management. Tax preparation fees are charged on a
fixed-fee basis according to the type and complexity of the return, including Forms 1040, 1041,
1065/1120-S, and applicable state returns. Additional fees may apply for returns involving
business entities, trusts and estates, multi-state filings, or digital-asset reporting. Planning
services—such as annual tax planning meetings, implementation support, estimated tax
evaluations, residency or state-source income analysis, and hourly advisory work—are charged as
fixed project fees or hourly rates, as detailed in EQWA’s tax services fee schedule.
Fees are generally due upon completion of the tax return(s) or delivery of the planning service,
unless otherwise outlined in the Tax Services Agreement. Clients may terminate tax services at
any time with written notice; however, they remain responsible for fees for work performed prior
to termination. Because EQWA earns separate compensation for tax services, a conflict of interest
exists when EQWA recommends or offers such services. EQWA mitigates this conflict by clearly
disclosing the separate nature of the services, advising clients that they may select any tax
professional, and supervising the personnel who provide or recommend tax services.

FINANCIAL PLANNING & CONSULTING SERVICE FEES
Financial planning and consulting services are included in the investment management fees
outlined above for our investment management clients. No additional fees apply.

RETIREMENT PLAN SERVICES FEES
For Retirement Plan Advisory Services compensation, we charge an advisory fee as negotiated
with the Plan Sponsor and as disclosed in the Employer-Sponsored Retirement Plans Consulting
Agreement (“Plan Sponsor Agreement”).
Typically, the billing period for these fees are paid quarterly in arrears. This fee is generally
negotiable, but terms and advisory fee is agreed to in advance and acknowledged by the Plan
Sponsor through the Plan Sponsor Agreement and/or Plan Provider’s account agreement. Fee
billing methods vary depending on the Plan Provider.
Our Firm or the Plan Sponsor may terminate the Agreement upon 30 days written notice to the
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ITEM 7 - TYPES OF CLIENTS

We provide investment advice to individuals with high net worth, foundations, employer-
sponsored retirement plans, institutions, trusts, and estates.
Our firm does not impose a minimum requirement for investable assets. However, certain private
investments may have their own minimum investable asset requirements for participation.