Gregory J Schwartz & Co Inc

ITEM 5: FEES AND COMPENSATION

Fees for Advisory Services
Schwartz & Co. offers advisory services under various fee arrangements. The extent of advisory services offered,
fee schedules, and billing arrangements have been modified over the years. As such, some existing clients have
contracts in place with older fee arrangements and differing billing arrangements. Under certain circumstances
Schwartz & Co. may approve a billing methodology that differs from those described below, such as when third-
party managed accounts are used, when third-party administrators are used for retirement plans, or upon request
from the client. The specific manner in which fees are charged by the Adviser is established in a client’s written
agreement with the Adviser.

Wealth Management & Institutional Advisory Fees
Fees for wealth management and institutional advisory services are based on an annual percentage of assets under
management. Fees are negotiable and may vary on a client-by-client basis depending on the amount of assets
under management, the nature and complexity of the client’s situation, the extent of services to be provided, and
the complexity of the portfolio and investment strategy. The maximum annual fee for such services is 1.5% or
150 basis points. Schwartz & Co. reserves the right to negotiate fees and may charge a lower fee than the
maximum fee described herein. The client’s specific fee will be included in the Agreement between Schwartz &
Co. and the client.

Fees are calculated based on the market value of the assets under management and billed quarterly or monthly, in
arrears, in accordance with the terms of the Agreement. The initial advisory fee will be prorated from the date of
engagement through the end of the quarter or month.

Clients may elect to be billed directly for fees or to authorize the Adviser to directly debit fees from their account.
Generally, clients elect to have fees deducted directly from their account, pursuant to the client’s written
authorization. If the client elects to be billed directly, Schwartz & Co. will send a billing invoice to the client and
the client agrees to remit payment to Schwartz & Co. within 30 days of receipt of the invoice.

Retirement Plan Services
Fees for the fiduciary and non-fiduciary services provided to the plan are based on an annual percentage of assets
under management. Flat dollar compensation arrangements are utilized in selected instances. Fees are negotiable
and vary based on the nature and scope of services provided, the level of fiduciary responsibility assumed, the
complexity and size of the plan, and other unique characteristics of the engagement. The maximum annual fee for
such services is 1.0% or 100 basis points. Fees are determined at the time of engagement and are specifically
outlined in the client’s service agreement.

Fees are calculated based on the total fair market value of plan assets under management and billed quarterly or
monthly, in arrears, in accordance with the terms of the service Agreement. Fees for the initial quarter or month
will be prorated based on the number of days services are provided to the plan. Schwartz & Co. believes its fees

ADV Part 2A Firm Brochure                                  8                                              March 15, 2026

are fair and reasonable based on the services provided to plan sponsor. Fees charged by other advisers may be
higher or lower than those charged by Schwartz & Co. for similar services.

The plan may be subject to other fees and charges imposed by account custodians, third party administrators, and
recordkeepers. These fees are separate and distinct from advisory fees charged by Schwartz & Co. The plan
custodian or third- party administrator should send account statements to the plan sponsor at least quarterly, which
show all fees charged to plan accounts.

Clients may elect to be billed directly for fees or to authorize the Adviser to directly debit fees from plan assets.
Generally, clients elect to have fees deducted directly from the plan, pursuant to the client’s written authorization.
If the client elects to be billed directly, Schwartz & Co. will send a billing invoice to the plan sponsor and the plan
sponsor agrees to remit payment to Schwartz & Co. within 30 days of receipt of the invoice.

Financial Planning & Consulting Services
Fees for financial planning and consulting services may be charged at an hourly or at a fixed fee rate. Fees are
determined at the time of engagement and are specifically outlined in the client’s Agreement.

RBC Unified Portfolio (“RBC UP”)
The RBC UP Program Fee is comprised of the following fee components: 1) fee for services provided by
Schwartz & Co., 2) Program Sponsor fee payable to RBC, 3) fee for Model Providers, and 4) fee for overlay
manager. The Program fee structure may vary depending on the Program and services selected.

The Program Fee is calculated as a percentage of assets under management, including securities, cash, money
market funds, RBC Insured Deposits balances, and the full value of any assets purchased on margin. Program
Fees are calculated on a quarterly basis, in advance, based on the market value of the billable assets as of the last
business day of the preceding calendar quarter. Program Fees will be prorated for any partial billing period based
on the number of days services were provided.

The quarterly Program fee will be deducted directly from the account by RBC, the custodian, unless the client
elects to be billed directly or have the fees deducted from another account held by RBC, provided the account is
not a retirement account. RBC will retain its fees (which will include advisory fees, program sponsor fees and/or
custodial fees), the overlay manager’s fee, and the Model Provider’s fee, and the remaining portion will be paid to
Schwartz & Co. The client must authorize RBC to deduct the Program fees from the client’s account.
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ITEM 7: TYPES OF CLIENTS

Schwartz & Co. generally provides advisory and consulting services to individuals, high net worth individuals,
institutional retirement plans, trusts, estates, charitable organizations, corporations, and other business entities.

We do not stipulate any minimum requirements to become a client of Schwartz & Co.