Fiduciary Financial Advisors

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and Fiduciary Financials’ Investment Advisory
Agreement will outline and agree upon the exact costs and other terms related to the Client’s Accounts.

PORTFOLIO MANAGEMENT SERVICES

ASSETS UNDER MANAGEMENT BASED FEE

Our Firm offers investment management services for an annual fee based on the amount of assets under
management or the client’s net worth as determined by their balance sheet. Our maximum annual fee is .95%.

                                                FEE SCHEDULE

                 Assets Under Management                                     Annual Fee Rate*
                       Under $2,000,000                                         Up to 0.95%

                  $2,000,001 to $5,000,000                                      Up to 0.90%

                 $5,000,001 to $10,000,000                                      Up to 0.75%

                $10,000,0001 to $50,000,000                                     Up to .55%

                $50,000,001 to $150,000,000                                     Up to .35%

                     Over $150,000,0001                                         Up to 0.15%
                                               *Fees are negotiable
Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.
Our annual fee is prorated and charged quarterly in arrears, based on the value of the Client’s assets under
management as of the close of business on the last business day of the previous quarter. Cash and cash
equivalents, including money market funds, are subject to the agreed-upon advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are

 FIDUCIARY FINANCIAL ADVISORS
 MARCH 2026 | PAGE 12 OF 39

being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the days the
Client account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of
any account.

          LEGACY MANAGEMENT FEE

          Managed legacy positions are included within our Firm’s standard investment management fee and are
          outlined in the executed investment management agreement.

          DIGITAL ASSET SERVICES FEE

          Advisory fees for digital asset accounts are charged as a percentage of assets under management, not
          to exceed 0.95%, as disclosed in the client agreement. Fees are charged quarterly in arrears or advance,
          based on the value of the Client’s assets under management as of the close of business on the last
          business day of the previous quarter. With client authorization, fees are deducted directly from the
          custodial account either in U.S. dollars or in kind (bitcoin).

FINANCIAL PLANNING FEE

Our Firm provides financial planning services under a fixed or hourly fee arrangement. This arrangement charges
a mutually agreed-upon fee for financial planning services for a maximum flat fee $100,000 or an hourly fee of
no more than $500 per hour depending on the scope and complexity of the financial plan.
Fees charged for our financial planning services are negotiable based upon the type of Client, the services
requested, the investment adviser representative providing advice, the complexity of the Client's situation, the
composition of the Client's account, other advisory services provided, and the relationship of the Client and the
investment adviser representative.
The amount of the fee for your engagement is specified in your financial planning agreement with us. At our
sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm;
however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or
more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid amount is
immediately due.
The Client may pay the fees owed for the financial planning services by submitting payment directly via Advisor
Pay. If the Client elects to pay by automatic deduction from an existing investment account, they will provide
written authorization to our Firm for such a charge.
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, financial planning, and third-party portfolio management to
individuals, high-net-worth individuals, families, trusts, retirement plans, corporations, and charitable
foundations.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.