Fivancial Advisors Inc

Item 5 – Fees and Compensation
Fivancial Advisors, Inc. is compensated for its services through a variety of fee models. These are
designed to align with your chosen service level and to support both digital and traditional advisory
relationships.

Assets Under Management (AUM) Fees – Tiered Percentage Structure

Fivancial currently does not charge an advisory fee based on AUM but may include fees associated with
access to the Firm’s proprietary digital advisory platform, algorithmic portfolio management systems,
AI-enabled investment tools, automated rebalancing technologies, and related advisory services.

Subscription Fees – Digital / Robo Services

Fivancial charges clients a subscription fee for access to our digital advisory platform. This subscription
includes access to automated portfolios, financial dashboards, investment tracking tools, and limited
advisor support through our mobile application (available on Apple and Android devices).

Fivancial charges a flat subscription fee for access to the Robo-Advisor module within the App.

Subscription Fee Structure

   ●   $2.99 per month
   ●   Provides full access to digital advisory recommendations
   ●   Fees are billed monthly through in-app payment processing
   ●   Fees do not vary based on AUM
   ●   Fivancial does not charge:

Item 7 – Types of Clients
Fivancial provides digital investment advisory services only to U.S. retail clients who enroll through
the App and complete the required onboarding questionnaire.

We do not serve:

   •   Institutional clients
   •   Foreign clients
   •   Financial planning clients
   •   Human-advised relationships

There is no account minimum to receive services.

Retail Clients (Individuals and Households)

We provide personalized investment advisory and financial planning services to U.S.-based individual
investors. Clients may access services directly through our firm or digitally through subscription-based
tiers on our platform. Services range from fully digital robo-advisory to tailored planning engagements
and portfolio management.

   •   Clients are not required to meet a firm-wide minimum investment amount to access services,
       though minimums may apply to certain account types or digital tiers.
   •   Discretionary and non-discretionary services are available depending on the client relationship
       and platform level.

Institutional Clients and Platform Partners

We also serve institutional clients — including banks, fintech firms, and other financial service
providers — through embedded advisory models. These institutional partnerships allow Fivancial
Advisors, Inc. to deliver investment strategies, digital portfolio access, and advisory tools to end users
via white-labeled or co-branded digital experiences.

   •
   •   These institutional partners are U.S.-based regulated entities.
       Through these relationships, millions of end-users may have access to platform-based
       investment portfolios, planning tools, and educational content powered by our firm.
   •   These end-users are generally not direct advisory clients of Fivancial Advisors, Inc., but receive
       access to strategies and tools curated by our investment team.

Client Count and Demographics

   •   We currently serve an estimated 25+ direct retail clients (without assets under management)
       through our advisory platform and planning engagements.
   •   Through our institutional relationships, our strategies and tools are accessible to millions of
       U.S.
        platform users, though these end-users are not individually contracted advisory clients unless
       enrolled directly.

Non-U.S. Clients

Fivancial Advisors, Inc. does not currently serve non-U.S. persons or entities. Our registration and
regulatory status are limited to U.S. jurisdictions, and we do not market or provide investment
advisory services to individuals or institutions outside the United States at this time.