Golden Years Advisory LLC

Item 5. Fees & Compensation

Overview

Evans Wealth Management bases its fees on a percentage of assets under management, hourly charges
or fixed fees.

Financial Planning Services

Initial planning fees are based on an hourly rate of $250 per hour. Unless otherwise negotiated, 50% of the
projected fee is due at the beginning of the engagement with the remaining 50% due upon completion of
the engagement. Any financial planning services not included in the financial advisory fee are billed monthly
in advance.       For investment management clients, annual reviews are included in the investment
management fee. Annual reviews for non-investment management clients are quoted at the time of
engagement.

An estimated range of cost is provided prior to beginning the engagement. Since the nature of the work
often involves variables or circumstances unknown at the beginning of the engagement, estimates are not
guaranteed.

Asset Management Services

Fees for asset management services are based upon a percentage of the assets under management. The
actual percentage is a sliding scale based on the amount of assets under management. Please see Fee
Schedule below:
Fee Schedule for Asset Management:

 Total Account Value                                     Maximum Annual Advisory Fee
 Under $500,000                                                           1.00%
 Next $500,000                                                            0.90%
 Next 1,000,000                                                           0.70%
 Next 1,000,000                                                           0.60%
 Next $2,000,000                                                          0.50%
 Greater than $5,000,000                                            Provided on request

Financial planning services are included in the above stated fee.

Clients engaging for investment management services are billed quarterly with the amounts deducted from
the investment account(s) under management, with the Client’s written authorization in the Client
Agreement.

Asset Management Programs:

Clients in the Programs as described above under Item 4 pay a program fee (each, a “Program Fee”) to
Envestnet from which Envestnet pays the Sub‐Managers, Model Providers and the account administration
fee. Depending on the services utilized by the Advisor, the Program Fee also includes investment
management services comprised of client profiling assistance, strategic asset allocation assistance, style
allocation assistance, research and evaluation of Approved investment strategies and Funds, account

Evans Wealth Management                                                                 IARD/CRD No: 151640
Form ADV Part 2A                                                                              February 2026
Firm Brochure

performance calculations, account rebalancing, account reporting, account billing administration and other
operational and administrative services.

The standard fee schedules for Envestnet’s Programs are as follows, but lower fees may be separately
negotiated by the Advisor:

 Program/Portfolio                                                        Program Fees *, **, ***
 Equity SMA Portfolios                                                        0.52%-1.25%
 Fixed Income SMA Portfolios                                                  0.40%-0.89%
 Third Party Fund Strategist                                                  0.00%-1.13%
 Unified Managed Accounts (UMA)****                                           0.24%-1.32%
 Strategist UMA (MMA)*****                                                    0.34%-0.79%
 Quantitative Portfolios******                                                0.30%-0.64%
 Fixed Income Quantitative Portfolios******                                   0.25%-0.55%
 PMC Fund Strategist Portfolios                                               0.08%-0.85%
 PMC Strategist UMA and PMC MMA                                               0.30%-0.61%

* Fees shown do not include Advisor Fee, which generally range from approximately 0.50% to 1.00%.
Mutual funds, ETFs and other Funds have internal operating expenses that they charge that are separate
than the fees shown in this table. Please see the prospectus or related disclosure document for information
regarding these fees. Envestnet and its affiliates do not retain 12b-1 fees from mutual funds in which Clients
invest. Any 12b-1 fees inadvertently received shall be returned to the fund company.

** Fees are calculated on a per account basis. The fee charged depends on the manager(s) selected. Sub-
Managers and Model Providers have lower or higher fees. The maximum fee stated above is indicative of
accounts on the platform where basis points are charged on assets and is the current maximum for
accounts using Envestnet as of the date of this disclosure brochure. However, depending on the Sub-
Manager, Model Provider, or Overlay Service selected by the advisor and/or billing arrangement agreed to
between Envestnet and the client, the maximum could be exceeded.

*** When Tax Overlay or Values Overlay Services are utilized there is an additional fee of 0.02% - 0.10%.

**** Includes Client-Directed UMA, and when PMC Custom Case Design Service and PMC White Label
UMA Services are utilized in conjunction with the UMA Program.

***** When PWC and Outsourced Consulting is utilized in conjunction with this program, there is an
additional overlay fee of 0.10%.

****** The Quantitative Portfolios are offered through Envestnet’s affiliate, QRG Capital Management
(“QRG”). Please refer to QRG’s Form ADV Part 2A Brochure for additional information.

As one of its services, Envestnet performs account billing administration, whereby Envestnet deducts the
Program Fee, the applicable advisory fee and the custodial fee from the Client’s account and pays the
applicable parties. Advisory fees may be collected by Envestnet but are paid directly to Evans Wealth
...

Item 7. Types of Clients

Description

Evans Wealth Management                                                                  IARD/CRD No: 151640
Form ADV Part 2A                                                                               February 2026
Firm Brochure

Evans Wealth Management generally provides investment advice to individuals, families, estates and trusts.
Advice may extend to entities related to the client such as small businesses, charitable organizations
including endowments and foundations. Client relationships vary in scope and length of service.

The firm was designed to best serve clients with a minimum of $1,000,000 in assets, however the firm may
consider waiving the minimum under certain circumstances.