Florida Financial Advisors LLC

Item 5: Fees and Compensation
FFA and its Advisors price services based upon various objective and subjective factors. As a
result, FFA’s clients will pay diverse fees and costs based upon, among other things, the
complexity of the engagement, type of service(s), investment products used, investment
program and strategies employed, and other third-party-specific costs. Clients may inquire at
any time with their Advisor as to client-specific fees and costs. The information contained in this
Brochure cannot disclose every possible fee, expense and cost that a client may incur and is not
intended to be an exhaustive list. Rather, this section provides a description of the most

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July 2026                           Form ADV Part 2A Disclosure Brochure                   Page 9 of 34

commonly incurred fees, expenses and costs associated with the products and services available
through FFA. FFA, at the FFA’s sole discretion, may pay any of these fees, expenses and costs or
FFA, in its sole judgment, can choose to waive or reduce the minimum initial investment amount
or account minimums for its programs.

FFA and your Advisor are compensated in several ways, as described in this Brochure. Clients
should be aware that the receipt of economic and/or other benefits by FFA and its Advisors
creates a conflict of interest and may influence FFA’s choices for and your Advisor’s
recommendations of investments, services and third-party parties. Therefore, it is important
that you understand how FFA and your Advisor are compensated, as well as the other costs and
conflicts of interest associated with the investments and services provided to you through FFA
and its Advisors.

Generally, FFA’s fees are negotiable on a client-by-client, account-by-account basis, subject to
applicable maximum fees as outlined in this Brochure. FFA and its Advisors offer a variety of
services and manage a broad range of client accounts with different mandates, fee structures
and expenses. FFA charges differing investment advisory fees based upon certain criteria (i.e.,
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, negotiations with client, etc.). This is also
a conflict of interest, as it creates a financial incentive for FFA and its Advisors to provide
preferential treatment to one account over others in terms of allocation of management time,
resources, and investment opportunities.

As referenced in Item 4 and as more fully described in Item 10, many of FFA’s Advisors are also
registered representatives of FFA’s affiliated broker-dealer, TWS, and/or licensed insurance
agents with FFI. Brokerage services, insurance services and investment advisory services are
different, and the fees charged for those services are often separate. For example, your Advisor
may earn fees on an account managed under a written agreement through FFA and, if applicable,
in the capacity as a registered representative with TWS, earn transaction-based compensation or
commissions on brokerage services at TWS or insurance services through FFI. If your Advisor
serves in multiple capacities, a conflict of interest exists because your Advisor has an incentive
to recommend investment products or services that create the greatest compensation for your
Advisor. In addition to disclosing these conflicts of interest, FFA has created and implemented a
compliance and supervisory program to mitigate such conflicts through the oversight of client
accounts and investment advisory activities. FFA mitigates these conflicts of interest, in part, by
endeavoring to act in each client’s best interest and through the adoption and implementation
of a Code of Ethic and other policies and procedures. See Item 11 for additional information. To
determine whether your Advisor earns compensation in multiple capacities, review your
Advisor’s Form ADV 2B (Brochure Supplement). If a client has not received a copy of that
document, the client should contact the Firm, using the information on the cover page of this
Brochure.

FFA’s clients are not under any obligation to enter into an agreement with and receive investment
advisory products and services through FFA and its Affiliates, and many of these investment
products and services are available through other investment advisers, broker-dealers,
custodians, or other financial institutions. Clients may inquire at any time with their Advisor as
to any client-specific products, services, fees and costs. FFA encourages all clients and
prospective clients to read this Brochure, all relevant Brochure Supplements, and any
documentation for the specific advisory programs, products and/or services, and ask any
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July 2026                           Form ADV Part 2A Disclosure Brochure                 Page 10 of 34

corresponding questions, prior to participation in any advisory program, product or service
provided through FFA.

Financial Planning Services (“FPA”)

Under FFA’s Financial Planning Services (“FPA”), your Advisor will charge a flat, dollar fee or fee
based upon the net worth or assets held by the client (“FPA Fee”). The FPA Fee is negotiated
between you and your Advisor (on a client-by-client basis) and is generally based on the overall
complexity of the financial plan, primarily the number and depth of each financial planning topic
to be analyzed and addressed within the plan. The FPA Fee generally does not exceed $10,000
(flat, dollar fee) or 2% of net worth or assets being addressed in the plan or under consultation,
however, FFA may approve higher fees based on complexity and services provided, subject to
pre-approval by the FFA Compliance and Supervision Team.

The terms and conditions of the financial planning and/or consulting engagement are set forth
in the Financial Planning Agreement and the initial fee will be due and payable upon the signing
...

Item 7: Types of Clients
FFA’s asset management services are primarily designed for individuals and high-net worth
individuals that reside or are domiciled in the United States. All asset management advisory
clients are required to sign a written agreement with FFA.

As further detailed in Item 4, FFA’s asset management advisory programs and services do not
have minimum account or asset requirements. Custodian-sponsored programs and other third-
parties may require different account eligibility requirements and/or minimum asset levels.
These additional requirements will be set forth in the information provided by the Advisor,
including, but not limited to, the applicable third-party’s disclosures or agreement(s).

FFA does not design its programs or services for government entities1 or municipal entities2, and
these types of clients are generally prohibited by FFA, unless otherwise approved in writing.