Gutierrez Wealth Advisory LLC

Item 5 Fees & Compensation
Gutierrez Wealth offers services on a fee basis, which includes fixed fees and fees based upon assets
under management.

Financial Planning Fees
Gutierrez Wealth charges a fixed fee for providing financial planning services under a stand-alone
engagement. Financial planning services are generally offered in the form of one-year engagements.
These fees are negotiable, but can be up to $30,000 per year depending upon, among other things,
the scope and complexity of the services. The Firm is not obligated to deliver a written financial plan as
part of such engagements but typically does so. The Firm may provide a discount on financial planning
services for clients who engage the Firm for investment management services.

The terms and conditions of the financial planning engagement are set forth in the Advisory Agreement
and Gutierrez Wealth requires one-half of the fee payable upon execution of the Advisory Agreement.
The outstanding balance is due upon delivery of the financial plan or completion of the agreed upon
services. The Firm does not, however, take receipt of $1,200 or more in prepaid fees in excess of six
months in advance of services rendered.

Investment Management and Wealth Management Fees
Gutierrez Wealth offers investment management and Wealth Management services for an annual fee
("management fee") based on the amount of assets under the Firm's management. This management
fee varies among clients and can be up to 1.25% of assets under management per year, depending
upon, among other things, the size and composition of a client's portfolio and the type and scope of
services rendered to such client. The Firm may charge clients an equivalent or lower rate for assets
advised by the Firm that are held away from the primary custodian.

The management fee is charged monthly in advance based upon the market value of the assets being
managed as of the last day of the previous month.

Gutierrez Wealth also charges an asset-based fee based on the following blended fee schedule:

Assets Under                         Annual
Management                           Rate*
First                  $1,000,000    1.00%
Next                   $2,000,000    0.70%
Next                   $2,000,000    0.60%
Next                   $5,000,000    0.45%
Above                  $10,000,000   0.20%

*Some legacy clients may be on a different fee schedule than this current fee schedule.

Once assets under management reach the next tier, only the incremental assets will be charged the
lower fee rate.

Assets under management for family members in the same household may be aggregated for
determining the overall fee to be paid by family members when agreed to by Gutierrez Wealth and the
Client in writing.

The fee is prorated and charged monthly in advance based upon the market value of the assets being
managed as of the last day of the previous month.

Gutierrez Wealth does not charge management fees in the initial month of a client engagement if the
engagement commences on a day other than the first day of a calendar month. Gutierrez Wealth also
does not adjust its management fees for mid-month additions or withdrawals of capital in the month in
which such additions or withdrawals are made.

In the event the advisory agreement is terminated, the fee for the final billing period is prorated for the
number of days for which services are rendered through the effective date of the termination, and the
unearned portion of the fee is refunded to the client, as appropriate.

The client may authorize Gutierrez Wealth to utilize margin in the management of the client's
investment portfolio. In these cases the management fee will include the market value of any securities
purchased utilizing such margin. As a result, a conflict of interest exists as the Firm has an incentive to
recommend the use of margin which can increase its management fees. The Firm notes it will rarely, if
ever, ultilize margin to purchase securities.

As described above, the Firm charges an advisory fee for investment and wealth management
services. In addition to the Firm's advisory fee, clients who use Fidelity Digital will incur additional fees
and expenses imposed by Fidelity Digital Asset Services, LLC. These may include custody fees,
trading commissions or spread, withdrawal or transfer fees, and other charges that are separate from
and in addition to the Firm's advisory fee.

The Firm does not receive any portion of these fees from Fidelity Digital. All such fees are paid directly
by the client to Fidelity Digital and are disclosed by Fidelity Digital in its own fee schedule.

Retirement Plan Service Fees
Gutierrez Wealth charges an asset-based fee or a flat fee for its retirement plan investment consulting
services. This fee is negotiated with the plan sponsor and is memorialized in the Advisory Agreement
with the client. Fees are charged quarterly or monthly in advance or arrears based on the market value
of the plan assets.

Fee Discretion
Gutierrez Wealth can, in its sole discretion, negotiate to charge lesser fees based upon certain criteria,
such as the overall scope of services to be provided to the client, anticipated future earning capacity,
anticipated future additional assets, dollar amount of assets to be managed, related accounts, account
composition, pre-existing/legacy client relationship, account retention, and pro bono activities.

Additional Fees and Expenses
In addition to the advisory fees paid to Gutierrez Wealth, clients also incur certain charges imposed by
third parties, such as Independent Managers, fund managers, broker-dealers, custodians, trust
companies, banks, and other financial institutions (collectively "Financial Institutions"). These additional
charges include, among others, securities brokerage commissions; other transaction costs; custodial
fees; reporting charges; charges imposed directly by a mutual fund or ETF in a client's account, as
...

Item 7 Types of Clients
Gutierrez Wealth offers investment management services to individuals, pension and profit sharing
plans, trusts/estates, charitable organizations, and business entities.

Minimum Account Requirements
As a condition for starting and maintaining an investment advisory relationship with the Firm, the Firm
generally imposes a minimum annual fee of $5,000 for services, which could comprise financial
planning services, investment management services, retirement plan services, or any combination of
the above. The Firm, in its sole discretion, can elect to waive this minimum annual fee requirement.