Factor Wealth Management Ltd

Item 5: Fees and Compensation
  A.​ Adviser is compensated for its advisory services primarily by fees charged based on a client’s
      assets under management with Adviser. For clients that do not wish to engage Adviser to provide
      ongoing portfolio management or advisory services, Adviser alternatively offers financial planning
      services on an hourly basis between $100 and $300 per hour, payable upon completion of the
      financial analysis, and subject to negotiation with a client. Initial retirement plan clients are
      charged a one-time flat fee ranging between $1,000 to $5,000 depending on the complexity of the
      plan. Fees are negotiable, and each client’s specific fee schedule is included as part of the
      investment advisory agreement signed by Adviser and the client.​
      ​
      Adviser’s standard fee schedule is included below, subject to negotiation with a client:​

           Client Assets Under Management                                Annual Fee Percentage
                                                                            (paid quarterly)
                 For the first $1,000,000                                        1.00%
                 For the next $1,000,000                                         0.80%
                 For the next $3,000,000                                         0.60%
            For any amount above $5,000,000                                      0.40%

      For a limited number of legacy clients and accounts, advisory fees deducted from a client’s
      account by Focus Partners Advisor Solutions, LLC (“FPAS”), a Third-Party Adviser, on Adviser’s
      behalf and remitted to Adviser shall be offset against fees directly collected by Adviser for the
      same assets under Adviser’s management. In no such instances will duplicative fees be applied
      to the same clients or accounts.

  B.​ The fee schedule above is a “tiered” or “blended” fee schedule, which means that different annual
      fee percentages will apply to different ranges of client assets under Adviser’s management. Fees
      are deducted in arrears on a quarterly basis from clients’ assets and based upon the market
      value of such assets managed by Adviser as of the last day of the prior calendar quarter.
      Outstanding margin balances and cash are not included in the assets upon which fees are
      assessed. Alternatively, clients may elect to pay Adviser’s fees by check.​

  C.​ For Plans that have retained Adviser to provide pension consulting services, Adviser generally
      charges an asset-based fee that ranges from 0.25% to 0.60% per annum of Plan assets under
      our advisement, inclusive of the fee payable to the Third-Party Adviser that provides discretionary
      investment management services to such Plans. Such aggregate fee is charged quarterly in
      advance to Plan participants on a prorated basis based on the value of Plan assets as of the last
      business day of the prior calendar quarter, with 70% of such aggregate fee payable to Adviser on
      consideration of its services and 30% of such aggregate fee payable to the Third-Party Adviser in
      consideration of its services.

  D.​ In addition to the fees charged by Adviser, clients will incur brokerage and other transaction costs.
      Please refer to Item 12: Brokerage Practices, for further information on such brokerage and other
      transaction-related practices. Clients will also typically incur additional fees and expenses
      imposed by independent and unaffiliated third-parties, which can include qualified custodian fees,
      mutual fund or exchange traded fund fees and expenses, mark-ups and mark-downs, spreads
      paid to market makers, wire transfer fees, check-writing fees, early-redemption charges, certain
      deferred sales charges on previously-purchased mutual funds, margin fees, charges or interest,
      IRA and qualified retirement plan fees, and other fees and taxes on brokerage accounts and
      securities transactions. These additional charges are separate and apart from the fees charged
      by Adviser.

                                      Date of Brochure: March 05, 2026

E.​ If Adviser or client terminates the advisory agreement before the end of a quarterly billing period,
    Adviser’s pro rata fees earned through the effective date of the termination will be billed to the
    client.

F.​ Neither Adviser nor any of its supervised persons accepts compensation for the sale of securities
    or other investment products except to the extent residual insurance commissions are received
    for previously-purchased insurance products. As of the date of this brochure, neither Adviser nor
    any investment adviser representatives sell any new insurance products.

                                    Date of Brochure: March 05, 2026

Item 7: Types of Clients
Adviser generally provides its services to individuals, high-net-worth individuals, business entities,
charitable organizations, and pension and profit sharing plans. The minimum account value required to
open and maintain an account with Adviser is $1,000,000, subject to negotiation. Please note that the
Third-Party Advisers retained by Adviser may separately impose minimum account value requirements.

                                      Date of Brochure: March 05, 2026