Equitable Advisors LLC

Item 5 – Fees and Compensation
The following discussion generally describes how Equitable Advisors and its IARs are compensated for the
advisory services we provide to our clients. Below, we also discuss other sources of compensation that
the Company and/or IARs may receive, including from third parties or in contexts outside of advisory
services, as well as the potential or actual conflicts of interest such compensation may create. See also
Item 14, below, for a discussion of additional compensation received from various sources in connection
with the Company’s advisory and brokerage services.

For additional information, see the Company’s Compensation and Conflicts Disclosure as well as the GCOI,
available at www.equitable.com/CRS.

Certain registered representatives/IARs who operate under Equitable Advisors’ home office groups do not
receive fees or commissions but rather are compensated by Equitable Advisors on a salary basis. These
registered representatives typically receive additional compensation from Equitable Advisors in the form
of an annual cash bonus based in part on total products and services sold. This presents a conflict of
interest similar to the brokerage conflict described above in that the IAR and Equitable Advisors benefit
from increased sales. The fees charged to the client for purchases of these products and/or services are
the same as the fees charged for purchases from Equitable Advisors’ other Financial Professionals,
whether as IARs (advisory services) or as registered representatives (brokerage).

Financial Planning Services

The Financial Planning Agreement will set forth the amount of the financial planning fee and the timing
and terms of its payment. The fee determined by you and your IAR will also be indicated on the fee receipt.
Your IAR will explain the fee and the factors considered in calculating the fee prior to asking you to sign
the Financial Planning Agreement. The client or the IAR may terminate the Financial Planning Agreement
at any time and for any reason. If you cancel the Agreement by written notice within five (5) business days
after the signing of the Agreement, Equitable Advisors will refund all fees paid. After that five (5) business
day period, the fee will be prorated or will be charged based on the hours billed by the IAR at the time of
notice of termination.

IARs also may offer fee-based financial planning services under your annual asset-based fee within certain
types of managed accounts. In these circumstances, the financial planning services are ongoing for the

March 2026

duration of your managed account (or until otherwise agreed between the client and the IAR) and may
involve financial planning advice regarding assets outside of the managed account.

Fees for financial planning may be fixed or hourly. If fixed, the client will pay a set amount for the services.
For new financial planning clients, fixed fees may range from $250 to $25,000. Fees may exceed this limit
under certain circumstances. Thereafter, fees for follow-on reviews of a financial plan created by your IAR
generally range from $250 to $12,500. If the fee is charged hourly, the fee will equal an agreed-upon
hourly amount multiplied by the estimated number of hours. Hourly fees are negotiable and generally
range from $100 to $400 per hour. In some cases, the client’s assets may be used to determine the fee.
Typically, the fee is determined and billed when the client executes the Financial Planning Agreement,
although generally the client has the option of paying the fee in installments.

As described in Item 4, above, once a client’s financial plan is delivered and presented, the IAR may offer
the client options to implement the plan. Should you decide to purchase products offered by your IAR(s)
to implement your financial plan rather than ongoing advisory services, your IAR will be acting in his or
her capacity as a broker-dealer registered representative and/or as an insurance agent of Equitable
Network, and you will enter into a separate agreement to cover these brokerage and/or insurance
services. In these capacities, your IAR will be representing the issuing and distributing companies, which
may be affiliated with Equitable Advisors, and, in the event of a purchase, the IAR and Equitable Advisors
(and/or its affiliates) will generally be entitled to commissions or other compensation in addition to the
fee paid by the client for the financial planning services. This presents a conflict of interest inherent in
every brokerage relationship in that the IAR and Equitable will benefit every time there is a transaction.

If you decide to enter into continued investment advisory services with the Company in implementing
your financial plan or otherwise through the TAMP referral arrangements or LPL programs the Company
offers, you will enter into an advisory agreement with the Company, become an advisory client, and will
pay a separate fee from that paid for your financial plan, as described below.

In addition to fees and possible commissions received by IARs related to fee-based financial plans, IAR(s)
under certain circumstances receive other compensation and benefits related to financial planning advice.
This presents a conflict of interest in that there is an incentive to enter into a fee-based financial planning
arrangement based on the compensation received, rather than on a client’s needs. We disclose potential
and actual conflicts of interest to clients through documents such as this Brochure, our Form CRS, GCOI,
and other materials discussing the products and services offered. The client should consider these
additional payments and the potential or actual conflicts of interest they create carefully prior to agreeing
to a fee-based financial plan offered through Equitable Advisors. The client is encouraged to ask his or her
IAR for additional information should he or she have any questions regarding these payments or the
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Item 7 – Types of Clients
Equitable Advisors provides investment advice to individuals, trusts, estates, charitable organizations,
banks or thrift institutions, corporations and other business entities, and pension and profit-sharing plans.

Each TAMP program and LPL program has its own minimum account size, but the minimums do not vary
based on the type of client. Please refer to the applicable LPL Program brochure or the applicable TAMP’s
Form ADV Part 2A, or equivalent program brochure, for details regarding the minimum account size for
each program, or contact your Equitable Advisors IAR.

As noted in Item 4, Equitable Advisors has certain liquid net worth and other minimum requirements that
must be met before an IAR can recommend alternative investments in client SAM accounts (which apply
equally in recommendations in the Company’s brokerage business).