FORS Financial Consulting PS

ITEM 5 - FEES AND COMPENSATION

WEALTH MANAGEMENT
Fors charges advisory fees (“Advisory Fees”) for Wealth Management which are calculated as a percentage of assets
under management (“Assets”). The Advisor Fee can be flat, fixed or based on a schedule as noted in the advisory
agreement (“Agreement”), but in no case does our Advisory Fee exceed 1.50%, with a minimum annual fee of $6,000 per
household. Advisory Fees and the minimum annual fee may be lower or waived based on the individual client
circumstances, familial relationships, complexity of relationship, existing client, etc. When you engage us, you will sign
an Agreement that fully discloses our Advisory Fee and gives us authorization to debit our fee directly from your accounts.
The Advisory Fee is charged quarterly and in advance based upon the average daily value of the Assets over the previous
quarter. The Assets include all positions in the accounts, cash, declared and paid dividends, accrued income and interest
payments, unless specifically excluded or restricted from billing in writing by the client. Accounts opened for a partial
quarter will be charged based on the average daily value of the account. In the event a client terminates the relationship,
we will rebate client accounts for the unused portion of the advisory fee that was charged in advance.
It’s important to know that if a Program or Independent Manager is used, the fees charged by them will be separate and
in addition to our Advisory Fee.
Clients are also responsible for all transaction charges, fees and other expenses charged and imposed by the custodian
who holds the Assets, which is separate and in addition to our Advisory Fees. Additionally, clients may incur, relative to
all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other
fund expenses). Accordingly, clients should review the fees charged by the investments, custodian, Independent
Managers and our Advisory Fee to fully understand the total amount of the fees being paid. The investments selected for
the clients are not exclusively available to us and could be obtained through other unaffiliated firms and potentially at a
lower fee.

FINANCIAL CONSULTING
Client can engage us for Financial Consulting where we charge either a flat fee up to $7,500 or up to $400 per hour. For
Financial Consulting, our fee and services provided will be noted in the Financial Consulting Agreement. The fee will be
determined based on factors including the complexity of your financial situation, agreed upon deliverables, and whether
you intend to implement any recommendations through Fors. In some cases and in our sole discretion we may waive the
fee for Financial Consulting.
Typically, we complete a plan or financial assessment within six months of signing the Financial Consulting Agreement,
provided we receive information needed in a timely manner. Financial Consulting Fees are billed when the Financial
Consulting Agreement is signed, except for clients who pay hourly. Hourly Financial Consulting clients will be provided
an invoice upon conclusion of services. Payment for Financial Consulting can be a personal check, electronic payment or
through a taxable Wealth Management account following written permission from the client. In the event a client terminates
the Financial Consulting Agreement prior to delivery of the services, we will rebate the amount of fee paid advance, less
the hours worked multiplied by $400.
Representatives may be licensed insurance agents and may offer insurance products. Clients should understand that
doing so can create a conflict of interest to earn a commission. Clients are free to enact any aspect of the financial
recommendations with a financial provider of their choice.

ITEM 7 - TYPES OF CLIENTS

We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans,
charitable organizations, institutions, trusts and estates. We do not have a minimum account fee, but we have a minimum
advisory fee of $7,500 per year. However, this minimum may be waived or lowered at our sole discretion.

FORS FINANCIAL CONSULTING, PS
MARCH 2026 | PAGE 3