Gradient Securities LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
Financial Planning and Consulting Services
Prior to the planning process the client will be provided an estimated plan fee. GWM allows two
options for the payment of financial planning fees, selection of which is at the discretion of the advisor:
1) Financial Planning fee payments may be made in two installments; half at the signing of the
agreement with the final payment due upon delivery of the completed plan. Ongoing Consulting
Services for up to 12 months can be paid in two installments or in four (4) quarterly installments with
services rendered no later than six (6) months from each payment.
2) Full payment for Financial Planning may be made in advance. Unless noted otherwise on the planning
agreement, delivery of plans will occur within a reasonable amount of time after all information has been
received and analyzed, not to exceed ninety (90) days of signed agreement. Client may cancel within
five business days of signing the Investment Advisory Agreement for a full refund. If cancellation occurs
after five business days, client will be entitled to a pro-rata refund based on work completed.
Fixed Fee
The fee for a financial plan is based on a negotiated fixed fee basis based on complexity and unique
client needs, geographic market differences and the experience of the advisor preparing the plan.
Hourly Fee
GWM provides hourly planning services for clients who need advice on a limited scope of work. The
hourly rate for limited scope engagements is not to exceed $300 per hour. The hourly fee is negotiated
and agreed upon prior to rendering services. Advance hourly payments are refundable based on the
pro-rata work completed.
Third Party Managers Fees
GWM and its associated persons are paid a portion of the fee charged and collected by the TPMs in the
form of solicitor fees or consulting fees. GWM’s fees are negotiable depending on the size, complexity
of the client’s account(s), the experience and training of the Advisor and other business considerations.
A complete description of the TPM’s services, fee schedules and account minimums will be disclosed in
the TPM’s Form ADV, or similar Disclosure Brochure.
ASSET MANAGEMENT
GWM will charge a maximum annual fee of 2.00% based on the assets under management. The fee is
negotiable and is based on the money manager selected, the IAR providing services, the value of the
assets in the account, including cash holdings, and is payable either monthly or quarterly in advance or
arrears based on the money manager and will be disclosed to the client in the Investment Advisory
Agreement.
For purposes of calculating account fees in advance, the period begins on the first day the account is
accepted by the money manager selected. The initial account fee is due at the beginning of the billing
period following execution of the Client Agreement and includes a prorated fee for the initial period in
addition to the standard monthly or quarterly fee for the upcoming period. Subsequent account fee
payments are due and assessed at the beginning of each period based on the value of the assets under
Form ADV Part 2A (4/2026)                           [8]                                     Gradient Securities, LLC

management as of the close of business on the last business day of the preceding period.
For purposes of calculating account fees in arrears, the period begins on the first day the account is
accepted by the money manager selected. The initial account fee is due at the end of the billing period
following execution of the Client Agreement based on either the ending account balance or the average
daily balance. Subsequent account fee payments are due and assessed at the end of each billing cycle
per the calculation method disclosed in the Client Agreement.
Advisory fees will be deducted from the clients' account by the custodian. Clients may terminate their
account within five (5) business days of signing the Investment Advisory Agreement for a full refund.
Clients may terminate advisory services with thirty (30) days written notice. Client will be entitled to a
pro rata refund for the days service was not provided in the final month or quarter. Clients billed in
arrears will only be billed for the portion of the period prior to the termination date for which advisory
services were provided.
Client shall be given thirty (30) days prior written notice of any increase in fees, and client will
acknowledge, in writing, any agreement of increase in said fees.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed 1%. The
annual fee is negotiable and is charged as a percentage of the Included Assets. Fees may be charged
quarterly or monthly in arrears or in advance based on the assets as calculated by the custodian or record
keeper of the Included Assets (without adjustments for anticipated withdrawals by Plan participants or
other anticipated or scheduled transfers or distribution of assets). If the services to be provided start
any time other than the first day of a quarter or month, the fee will be prorated based on the number
of days remaining in the quarter or month. If this Agreement is terminated prior to the end of the billing
cycle, GWM shall be entitled to a prorated fee based on the number of days during the fee period
services were provided or Client will be due a prorated refund of fees for days services were not
provided in the billing cycle.
The fee schedule, which includes compensation of GWM for the services is described in detail in the
client agreement. The Plan is obligated to pay the fees; however, the Plan Sponsor may elect to pay the
fees. Client may elect to be billed directly or have fees deducted from Plan Assets.
Client Payment of Fees
Fees for financial plans may be billed 50% in advance with the balance due upon plan delivery or due
in full upon commencement of the advisory agreement.
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Item 7: Types of Clients
Description
GWM generally provides investment advice to individuals, pension, and profit- s h ari n g plans, trusts,
estates, or charitable organizations, corporations, and business entities.
Client relationships vary in scope and length of service.

Form ADV Part 2A (4/2026)                            [10]                                 Gradient Securities, LLC

Account Minimums
GWM does not require a minimum to open an account. Some TPMs that GWM refers Clients to may
have account minimums.