Grantvest Financial Group LLC

Item 5. Fees and Compensation
GRANTvest Financial offers its services on a fee basis, which may include fixed fees, as well as fees
based upon assets under management. Additionally, certain of GRANTvest Financial’s Supervised
Persons, in their individual capacities, offer insurance and brokerage products under a commission
arrangement. For all services, GRANTvest Financial’s annual fee is exclusive of, and in addition to
brokerage commissions, transaction fees, and other related costs and expenses which are incurred by
the client. GRANTvest Financial does not, however, receive any portion of these commissions, fees,
and costs..

Financial Planning Fees:
GRANTvest Financial’s financial planning and consulting fees are negotiable, but generally are $350
on an hourly rate basis, and from $1,000 to $10,000 on a fixed fee basis, depending upon the level and
scope of the service(s) required and the professional(s) rendering the service(s). Prior to engaging
GRANTvest Financial to provide financial planning or consulting services, clients will be required to
enter into a Financial Planning Agreement with GRANTvest Financial setting forth the terms and
conditions of the engagement, describing the scope of the services to be provided, and the portion of
the fee that is due from the client prior to GRANTvest Financial commencing services.

The Financial Planning Agreement between GRANTvest Financial and the client will continue in effect
until it is terminated by either party pursuant to the terms of the Financial Planning Agreement.
GRANTvest will typically bill in advance one half (1/2) of a fixed fee financial plan upon engagement
with final payment due at end of service. Hourly engagements will be billed after services are provided.
Any unearned fixed fee financial planning fees will be returned to the client(s).

GRANTvest Financial Group LLC (IARD#310272)
March 2026

Investment Management Fees:
GRANTvest Financial’s investment management fee schedule (“Advisory Fees”) for accounts
managed by GRANTvest Financial is based on a percentage of assets (generally net of any debit
balances) and is set forth below. The Advisory Fees represent the highest fee that may be charged
absent special circumstances:

       Investable Assets       Fee Tier Begins   Fee Tier Ends   Maximum Fee
       First $250,000          $0                $250,000        2.00%
       Next $250,000           $250,001          $500,000        2.00%
       Next $500,000           $500,001          $1,000,000      2.00%
       Next $1,500,000         $1,000,001        $2,500,000      2.00%
       Next $2,500,000         $2,500,001        $5,000,000      2.00%
       Next $5,000,000         $5,000,001        $10,000,000     1.50%
       Next $10,000,000        $10,000,001       upward          1.00%

GRANTvest Financial’s Advisory Fees shall also be prorated and paid monthly, in advance, based
upon the average market value of the assets of the previous month. GRANTvest Financial’s actual
fees may be negotiated, and a client may pay more or less than similar clients depending on the
particular circumstances of the client, which may include considerations related to size of the client’s
account, additional and/or differing levels of service or as negotiated. No fees will exceed 2%.

Securities Based Lending Program Fees
If GRANTvest Financial determines to utilize the services of SyntheticFI for its clients to obtain a
securities based loan, SyntheticFI charges an Annual Management fee of 0.50% of the loan amount
which is calculated by the illustration below:

    For example, if SyntheticFi manages a client’s $100,000 portfolio and trades a box spread as
    a synthetic loan on January 1, 2023, that expires on December 31, 2023, with loan size (value-
    at-expiration) of $50,000, the monthly management fee for July 2023 would be calculated as
    $50,000*0.50%*(31/365) =$21.23, regardless of the balance withdrawn.

SyntheticFi shall be responsible for sending monthly client fee invoices via email. The fees will be
charged via client credit card on file at SyntheticFi.

Fees Charged by Financial Institutions
GRANTvest Financial generally recommends that clients utilize the brokerage and clearing services
of Charles Schwab & Co., Inc. member FINRA/SIPC (“Schwab”) for investment management
accounts. For more information on brokerage, please see Item 12 of this Brochure.

GRANTvest Financial will implement its investment management recommendations only after the
client has furnished GRANTvest Financial with all information and authorization regarding accounts
with appropriate financial institutions. Clients may incur certain charges imposed by the Financial
Institutions and other third parties such as fees charged by Independent Managers , custodial fees,
charges imposed directly by a mutual fund or ETF in the account, which are disclosed in the fund’s

GRANTvest Financial Group LLC (IARD#310272)
March 2026

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.

For the majority of client accounts, there will not be any commissions or transactional fees charged
by Schwab when the firm transacts in ETFs, mutual funds and individual securities. In limited
circumstances, for some mutual funds transferred in, there will be a nominal transaction fee. Such
charges and fees are exclusive of and in addition to GRANTvest Financial’s fee. GRANTvest
Financial does not currently utilize any third party or separate managers so there is no additional fee
or charge for Independent Managers. . Any Financial Institutions recommended by GRANTvest
Financial have agreed to send a statement to the client, at least quarterly, indicating all amounts
disbursed from the account including the amount of management fees paid directly to GRANTvest
...

Item 7. Types of Clients
GRANTvest Financial provides its services to individuals, trusts, estates, and business entities.