Gainline Financial Partners LLC

ITEM 5 - FEES AND COMPENSATION
 Fee Schedule & Billing Method
 Gainline Financial offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
 under management or advisement.

 Investment Management Services
 The annual management fee for our Investment Management Services, including Financial Planning, is based on
 the total dollar asset value of the assets maintained in your account. The fee assessed and/or charged is based
 on what is stipulated in the Investment Advisory Agreement signed by each client. This may include a minimum
 annual fee.

 Our annual fee ranges up to 1.5% annually and is assessed and/or charged monthly in arrears, based on the
 ending period value. Inflows and outflows of cash are considered on a prorated basis in this calculation. Fees can
 be structured in one of the following ways: a fixed flat percentage fee on total assets in the account, a tiered fee
 schedule whereby the fee is calculated by applying different rates to different levels of assets, or a linear fee
 schedule where a breakpoint percentage fee is assessed to total assets in the account .

 Investment Advisory Services
 As part of the wrap fee program, the Firm utilizes FIWA, LLC (“FIWA”) to provide model portfolios and asset
 allocation guidance, and Advyzon Investment Management (“AIM”) to facilitate trading and rebalancing of certain
 client accounts. The costs associated with FIWA and AIM, including AIM’s fees (which are paid by FIWA), are
 covered within the wrap fee paid by clients.
 The Firm does not receive any portion of the fees paid to FIWA or AIM and does not receive any referral fees or
 other compensation from these providers.
 Because clients pay a wrap fee that is not based on the number of transactions in their accounts, the Firm has an
 incentive to minimize trading activity in client accounts. This creates a conflict of interest because reduced trading
 may result in lower costs to the Firm while clients continue to pay the same wrap fee. The Firm seeks to mitigate
 this conflict by monitoring accounts and ensuring that trading decisions are made in the best interest of clients.
 Additionally, depending on the level of trading activity, the wrap fee structure may result in clients paying more
 or less than they would under a non-wrap fee arrangement where trading costs are charged separately.
 Clients should review the Firm’s Wrap Fee Program Brochure for additional information regarding the services,
 fees, and conflicts of interest associated with the wrap fee program.

 Financial Planning, Consulting, and Performance Reporting Fees
 In addition to the advisory fees paid, Adviser may provide financial planning, consulting, and performance
 reporting services to Client regarding the management of Client’s financial resources, which is based upon an
 analysis of Client’s current personal and financial situations, goals, and objectives. These services are based on
 the total dollar asset value of the assets maintained in your account. The fee assessed and/or charged is based on
 what is stipulated in the Investment Advisory Agreement signed by each client. This may include a minimum
 annual fee. The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
 under management or advisement.

 Other Fees and Expenses
 In addition to the advisory fees paid to the Firm, clients may incur certain charges imposed by other third parties,
 such as broker-dealers, custodians, trust companies, platform service providers, banks, and other financial

Gainline Financial Partners, LLC - Disclosure Brochure                                      January 1, 2026 – v2

 institutions (collectively “Financial Institutions”). These additional charges may include held-away trading fees,
 securities brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets,
 reporting charges, margin costs, charges imposed directly 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 and taxes on brokerage
 accounts and securities transactions. In addition, fees charged by the Independent Managers/Sub-Advisors are
 charged to the clients separately. In these relationships with third-party and/or Sub-Advisors, these fees would
 be in addition to the fees charged by the Firm, paid directly to the third-party and/or Sub-Advisor, and the Firm
 will not receive any portion of those fees or share in those fees.

 Direct Fee Debit

 Clients generally provide the Firm and/or the Independent Managers with the authority to directly debit their
 accounts for payment of the investment advisory fees. The Financial Institutions that act as the qualified custodian
 for client accounts, from which the Firm retains the authority to deduct fees directly, have agreed to send
 statements to clients not less than quarterly detailing account transactions, including any amounts paid to the
 Firm.

 Account Additions and Withdrawals

 As stated above, clients may make additions to and withdrawals from their accounts at any time, subject to the
 Firm’s right to terminate an account. Additions may be in cash or securities, provided that the Firm reserves the
 right to liquidate any transferred securities or declines to accept particular securities into a client’s account. Clients
 may withdraw account assets on notice to the Firm, subject to the usual and customary securities settlement
 procedures. However, the Firm generally designs its portfolios as long-term investments, and the withdrawal of
 assets may impair the achievement of a client’s investment objectives. The Firm may consult with its clients about
 the options and implications of transferring securities. Clients are advised that when transferred securities are
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ITEM 7 - TYPES OF CLIENTS
 Gainline Financial provides asset management, financial consulting, ERISA plan advisory & consulting, investment
 advisory consultation, and selection of third-party money managers and/or sub-advisors. Our services are
 provided on a discretionary and non-discretionary basis to a variety of clients, such as institutional investors,
 individuals, high-net-worth individuals, trusts and estates, qualified purchasers, and individual participants of
 retirement plans. In addition, we may also provide advisory services to entities such as pension and profit-sharing
 plans, businesses, and other investment advisers.

 Account Requirements
 The Firm imposes a stated minimum fee of $5,000 annually and a minimum portfolio value of $500,000 in
 investable assets for starting and maintaining an investment management relationship.
 The Firm, in its sole discretion, may waive or reduce these minimums under certain circumstances.
 Certain Independent Managers may, however, impose more restrictive account requirements and billing practices
 of the Firm. In these instances, the Firm may alter its corresponding account requirements and/or billing practices
 to accommodate those of the Independent Manager.