Financial & Tax Architects LLC

Item 5. Fees and Compensation

Clients will be charged advisory fees in arrears at the beginning of each calendar month based upon the
value (market value based on independent third-party sources; client account balances on which FTA
calculates fees may vary from account custodial statements based on independent asset valuations and
other accounting variances) of the client's account(s) at the end of the previous month. New accounts
may be charged a pro-rated fee for the remainder of the month in which the account is opened. Advisory
fees shall apply to cash and cash equivalents unless negotiated or agreed to in writing otherwise by FTA.

FTA will request authority from clients to receive monthly payments directly from the client’s account(s)
held by a qualified third-party custodian. Clients must provide written limited authorization to FTA to
withdraw fees from account(s). The custodian will withdraw advisory fees directly from client accounts
and deposit them in an FTA fee account.

Discretionary Asset Management (Retail Clients)

The annual fee for FTA’s discretionary asset management services is charged on a monthly basis, in
arrears, and is calculated based on a percentage of the assets under management. FTA’s fees are as
follows, effective February 1, 2026 (note that fees may be negogtiable in certain circumstances):

                                     Household Tiered Fee Schedule

                                Assets Under Management                  Fee
                           First $2,000,000                                1.95%

                           Next $3,000,000                                 0.90%

                           Next $5,000,000                                 0.50%
                           Next $5,000,000 and on                          0.30%

Sub-Advisory Services

The annual fee for FTA’s sub-advisory asset management services is charged on a monthly basis, in
arrears, and is calculated based on the amount of sub-advised assets under management. FTA’s sub-
advisory asset management fees are as follows, effective February 1, 2026 (note that fees may be
negogtiable in certain circumstances):

                                     Household Tiered Fee Schedule
                                Assets Under Management                  Fee

                           First $2,000,000                                0.75%
                           Next $3,000,000                                 0.45%

                           Next $5,000,000                                 0.25%

                           Next $5,000,000 and on                          0.15%

For any clients who have contracted with FTA prior to February 1, 2026, FTA will offer such clients the
foregoing Tiered Fee Schedules to the extent it is advantageous for such clients.

Financial Consulting and Guidance Services

FTA typically does not charge a fee for its financial consulting and guidance services.

For Wealth.com services, clients pay a one-time fee of $1,995.

Educational Seminars and Workshops

FTA’s educational seminars and workshops are provided free of charge. Attendees are asked to bring
three canned goods as a donation. FTA donates those canned goods to a local charity.

Additional Client Fees Charged

The asset management fees paid to FTA do not include the fees and expenses the client may incur when
purchases or sales of securities are made in their account. Those fees may include, but are not limited to,
transactions fees, brokerage fees, custodial fees, and the management fees or expenses charged by
mutual funds companies or ETF’s sponsors.

For more details on FTA’s brokerage practices, see Item 12 of this Brochure.

Prepayment of Client Fees

FTA does accept prepayment of any fees.

External Compensation for the Sale of Securities or other investment products to Clients

As described in Item 10, AdvisorMax, LLC and/or FTA Insurance Services, LLC are FTA’s affiliated insurance
field marketing organizations (“FMOs”). AdvisorMax, LLC, and/or FTA Insurance Services, LLC act as a
wholesaler of insurance products, including annuities, to independent insurance agents across the
country. AdvisorMax, LLC, and/or FTA Insurance Services, LLC sell insurance and annuity products to FTA
clients. AdvisorMax, LLC, and/or FTA Insurance Services, LLC receive a sales commission from its
wholesaler which has the direct relationship with the product underwriters. Some of the independent
insurance agents who use AdvisorMax, LLC, and/or FTA Insurance Services, LLC wholesaler services may
also have their own financial institution, typically a registered investment adviser, and participate in FTA’s
sub-advisory asset management services.

In a capacity separate from FTA, a client’s investment adviser representative (IAR) will also serve as a
licensed insurance agent. A client’s IAR, when acting in their separate capacity as an insurance agent will
sell, for a commission, disability, long-term care, life insurance, annuities, and other insurance products
and the IAR will receive salary compensation and/or a portion of the commissions paid by the insurance
company and/or in some instances, incentive educational trips and/or a share of overrides on
retail/wholesale business. The commission compensation is paid by the insurance sponsor or
underwriting company. The receipt of commissions creates a financial incentive to recommend products
for which the IAR is paid a commission. This is a conflict of interest. When acting as an insurance agent, a
client’s IAR will recommend insurance and/or annuity products that pay commissions to AdvisorMax,
LLC, and/or FTA Insurance Services, LLC. AdvisorMax, LLC, and/or FTA Insurance Services, LLC receive
payments in the form of retail commissions which the insurance company may pay at the time of sale
and/or over a period of years as well as retail and wholesale overrides and bonuses the wholesaler who
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Item 7: Types of Clients

Description

FTA provides discretionary asset management services to individuals and high net-worth individuals. FTA
also provides sub-advisory asset management services to other financial institutions.

Client relationships vary in scope and length of service.

Minimum Account Requirements

FTA does not have a minimum account size requirement.