Genesis Investment Advisors LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Comprehensive Portfolio Management

Fee Schedule

                 Assets Under Management           Annual Percentage of Assets Charge
                      $0 to $1,000,000                          1.25%
                  $1,000,000 to $2,000,000                      1.00%
                     $2,000,000 and up                          0.50%

Legacy clients will remain on the previous fee schedule; this includes any clients who pre-date August
2023.

Fees to be assessed will be outlined in the advisory agreement to be signed by the client. Annualized
fees are billed on a pro-rata basis monthly in arrears based on the value of the account(s) on the time-
weighted daily average of the month. Fees are negotiable and will be deducted from client account(s).
Adjustments will be made for deposits and withdrawals during the month. In rare cases, our firm will
agree to directly invoice. Unless otherwise noted in writing, our firm bills on cash. As part of this
process, Clients understand the following:

         a) Clients must provide our firm with written authorization permitting direct payment of
            advisory fees from their account(s) maintained by a custodian who is independent of our
            firm;
         b) Our firm sends quarterly statements to the client showing the fee amount, the value of
            the assets upon which the fee is based, and the specific manner in which the fee is
            calculated as well as disclosing that it is the client’s responsibility to verify the accuracy
            of fee calculation, and that the custodian does not determine its accuracy; and;
         c) The account custodian sends a statement to the client, at least quarterly, showing all
            account disbursements, including advisory fees.

Generally, our firm uses the aggregate value of the Client’s assets in determining the annual advisory
fees.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed based on the percentage of Plan assets under
management. Fees based on a percentage of managed Plan assets will not exceed 0.75%. The fee-
paying arrangements will be determined on a case-by-case basis and will be detailed in the signed
consulting agreement.

Other Types of Fees & Expenses

ADV Part 2A – Firm Brochure                     Page 6                                    Genesis Investments

Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction fees for U.S. listed equities and
exchange traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges,
mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified
retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market
makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on
brokerage accounts and securities transactions. Our firm does not receive a portion of these fees.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Comprehensive
Portfolio Management services in writing at any time. Upon notice of termination pro-rata advisory
fees for services rendered to the point of termination will be charged. If advisory fees cannot be
deducted, our firm will send an invoice for due advisory fees to the client.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
written notice to the other party. Full refunds will only be made in cases where cancellation occurs
within 5 business days of signing an agreement. After 5 business days from initial signing, either
party must provide the other party 30 days written notice to terminate billing. Billing will terminate
30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which takes
into account work completed by our firm on behalf of the client. Clients will incur charges for bona
fide advisory services rendered up to the point of termination (determined as 30 days from receipt
of said written notice) and such fees will be due and payable.

Commissionable Securities Sales

Our firm and representatives do not sell securities for a commission in advisory accounts.

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit-Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types.

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
us.

ADV Part 2A – Firm Brochure                   Page 7                                  Genesis Investments