Foster & Wood Inc

ITEM 5 - FEES AND COMPENSATION

RETIREMENT PLAN ADVISORY SERVICES
For Retirement Plan Advisory Services compensation, we charge an advisory fee as negotiated with the Plan
Sponsor and as disclosed in the Employer Sponsored Retirement Plans Consulting Agreement (“Plan Sponsor
Agreement”). Our maximum advisory fees do not exceed 0.75% annually. We do impose a minimum fee of
$4000/annually for all our Retirement Plan clients. Plan Sponsors may elect to be billed a flat dollar fixed fee.
Fixed fees range from $4,000 to $100,000.
Typically, the billing period for these fees are paid quarterly. This fee is generally negotiable, but terms and
advisory fee is agreed to in advance and acknowledged by the Plan Sponsor through the Plan Sponsor Agreement
and/or Plan Provider’s account agreement. Fee billing methods vary depending on the Plan Provider.
Either Foster & Wood or the Plan Sponsor may terminate the Agreement upon 30 days written notice to the other
party. The Plan Sponsor is responsible to pay for services rendered until the termination of the Agreement.

INDIVIDUAL WEALTH MANAGEMENT FEES
Foster & Wood charges a fee as compensation for providing Investment Management services on your account.
These services include advisory and consulting services, trade entry, investment supervision, and other account-
maintenance activities. Our recommended custodian charges transaction costs, custodial fees, redemption fees,
retirement plan and administrative fees or commissions. See Additional Fees and Expenses below for additional
details.
The fees for portfolio management are based on an annual percentage of assets under management and are
applied to the account asset value on a pro-rata basis. Fees are billed quarterly in arrears based on the average
daily balance of the account(s). Unless otherwise agreed upon and stated in the Investment Management
Agreement, fees are assessed on all assets under management, including securities, cash and money market
balances. When applicable and noted in the Investment Management Agreement, legacy positions will also be
excluded from the fee calculation.
Our maximum annual advisory fee is for accounts paying a percentage of assets under management is 1.00% and
the specific advisory fees are set forth in your Investment Advisory Agreement. Fees may vary based on the size
of the account, complexity of the portfolio, extent of activity in the account or other reasons agreed upon by us
and you as the client. In certain circumstances, our fees and the timing of the fee payments may be negotiated.
Our employees and their family related accounts are charged a reduced fee for our services.
Unless otherwise instructed by the client, we will aggregate asset amounts in accounts from your same household
together to determine the advisory fee for all your accounts. We would do this, for example, where we also
service accounts on behalf of your minor children, individual and joint accounts for a spouse, and/or other types

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MARCH 2026 | PAGE 6

of related accounts. This consolidation practice is designed to allow you the benefit of an increased asset total,
which could cause your account(s) to be assessed a lower advisory fee.
The independent qualified custodian holding your funds and securities will debit your account directly for the
advisory fee and pay that fee to us. You will provide written authorization permitting the fees to be paid directly
from your account held by the qualified custodian. Further, the qualified custodian agrees to deliver an account
statement monthly directly to you indicating all the amounts deducted from the account including our advisory
fees. At our discretion, our Firm will allow advisory fees to be paid by check as indicated in the Investment
Advisory Agreement. You are encouraged to review your account statements for accuracy.
Either Foster & Wood or you may terminate the management agreement immediately upon written notice to the
other party. The management fee will be pro-rated to the date of termination, for the month in which the
cancellation notice was given and billed to your account. Upon termination, you are responsible for monitoring
the securities in your account, and we will have no further obligation to act or advise with respect to those assets.
In the event of client’s death or disability, Foster & Wood will continue management of the account until we are
notified of client’s death or disability and given alternative instructions by an authorized party.

ADMINISTRATIVE SERVICES PROVIDED BY ADVYZON, IN CONJUNCTION WITH BYALLACCOUNTS
We have contracted with Advyzon, in conjunction with ByAllAccounts (referred to as “BAA”) to utilize its
technology platforms to support data reconciliation, performance reporting, fee calculation and billing, research,
client database maintenance, quarterly performance evaluations, payable reports, web site administration,
models, trading platforms, and other functions related to the administrative tasks of managing client accounts.
Due to this arrangement, BAA will have access to client information, but BAA will not serve as an investment
advisor to our clients. Foster & Wood and BAA are non-affiliated companies. BAA charges our Firm an annual fee
for each account administered by BAA. The annual fee is paid from the portion of the management fee retained
by us.

ADDITIONAL FEES AND EXPENSES:

In addition to the advisory fees paid to our Firm, clients also incur certain charges imposed by other third parties,
such as broker-dealers, custodians, trust companies, banks and other financial institutions (collectively “Financial
Institutions”). These additional charges include custodial fees, charges imposed by a mutual fund or ETF in a
client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees
...

ITEM 7 - TYPES OF CLIENTS

Our Firm provides investment advice to the following types of clients:
        Qualified Retirement Plans- Foster & Wood advises retirement plan sponsors, often acting as a “fiduciary”
        within the meaning of Section 3(21) and 3(38) of ERISA with respect to the Plan. Our Firm provides
        investment advice and retirement plan services to select corporate retirement plans, generally with assets
        between $1 million and $100 million. Our account minimum is negotiable.
        Individuals - Foster & Wood helps individuals make decisions surrounding investing and withdrawing funds
        during retirement.
        High Net Worth Individual Clients – Foster & Wood advises families that have received a lump sum
        inheritance, stock options, proceeds from a business buyout or other fortunate event in making decisions
        to manage, grow and preserve their wealth for the long-term.
Our Firm does not have an account minimum for individual and high net worth individuals engaging in our
advisory services.