Hub Investment Advisors Inc

ITEM 5 – FEES AND COMPENSATION

Asset Management Fees and Compensation

Fees charged for our asset management services are charged based on a percentage of assets under
management, billed in arrears (at the end of the billing period) on a quarterly calendar basis and calculated based
on the average daily balance of your Account during the quarterly billing period. The annual fee is applied to the
total account value on a pro-rated basis and the fee is prorated based on the number of days service is provided
during each billing period. If asset management services are commenced in the middle of a quarter, then the
prorated fee for that quarter will be billed in arrears at the end of that quarter. At our discretion, we may aggregate
total assets under management for your household to determine the rate of the annual fee charged for asset
management services.

The asset management services continue until terminated by either party (i.e., HIA or you) by giving thirty (30) days
advance written notice to the other party.

HUB Investment Advisors, Inc                                                      IARD/CRD No: 164600
Form ADV Part 2A Brochure                                                                  March 2025

Fees charged for our asset management services are negotiable based on the type of client, the complexity of the
client’s situation, the composition of the client’s account (i.e., equities versus mutual funds), the potential for
additional account deposits, the relationship of the client with the investment adviser representative, the total
amount of assets under management for the client, and other reasons that may be agreed upon. Certain clients
may pay a lower fee due to the fact that they have been long-standing clients of HIA and their fee has been
grandfathered as they continue to do business with us.

Following is the maximum fee schedule for our asset management services:

                Amount of Assets Under Management                Rate of Annual Fee
                $0 - $499,999                                            1.25%
                $500,000 - $999,999                                      1.25%
                $1,000,000 - $1,999,999                                  1.00%
                $2,000,000 and above                                     0.75%

You should review your asset management agreement for your exact fee arrangement with us. A minimum of
$250,000 is required to open and maintain an account for asset management services. We may waive account
minimums at our sole discretion.

Fees charged for our asset management services are not based on the capital gains or capital appreciation of your
Account. We believe that our annual fee is reasonable in relation to: (1) the services provided and (2) the fees
charged by other investment advisers offering similar services/programs. However, our annual fee may be higher
than that charged by other investment advisers offering similar services/programs. In addition to our compensation,
you may also incur charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses).

You may provide written authorization permitting fees to be paid directly from your Account held by the independent
qualified custodian. If you have provided such authorization, the custodian holding your cash and securities will
debit your Account directly and pay the fee for our asset management services to us. The custodian will deliver
directly to you an account statement at least quarterly indicating all the amounts deducted from your Account
including our fees for asset management services. In limited circumstances, we may bill you directly for our asset
management fee. In this case, the payment is due upon receipt of the billing invoice.

Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed directly to you
by the qualified custodian. HIA does not receive any portion of such commissions or fees from you or the qualified
custodian. In addition, you may incur certain charges imposed by third parties other than HIA in connection with
investments made through your account including, but not limited to, mutual fund sales loads, 12(b)-1 fees and
surrender charges, variable annuity fees and surrender charges, IRA and qualified retirement plan fees, and
charges imposed by the qualified custodian(s) of your account. Management fees charged by HIA are separate and
distinct from the fees and expenses charged by investment company securities that may be recommended to you.
A description of these fees and expenses are available in each investment company security’s prospectus.

As stated in Item 4 of this brochure HIA does not actively manage or monitor client investments in inverse and
leveraged ETFs. If a client directs HIA to invest any portion of their account in an inverse or leveraged ETFs HIA
will not include those assets as assets under management when calculating the client’s fee for asset management
services.

Administrative Services Provided by ORION Advisor Services, LLC

We have contracted with ORION Advisor Services, LLC (“ORION”) to utilize its technology platforms to support
data reconciliation, performance reporting, fee calculation and billing, research, client database maintenance,
quarterly performance evaluations, payable reports, web site administration, models, trading platforms, and other
functions related to the administrative tasks of managing client accounts. Due to this arrangement, ORION will have
access to client accounts, but ORION will not serve as an investment advisor to our clients. HIA and ORION are
non-affiliated companies. ORION charges our firm an annual fee for each account administered by ORION. The
annual fee is paid from the portion of the management fee retained by HIA.

HUB Investment Advisors, Inc                                                        IARD/CRD No: 164600
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ITEM 7 – TYPES OF CLIENTS

We provide investment advice to individuals, high net worth individuals, pension plans, foundations, non-profit
organizations, charitable organizations, trusts, corporations and other legal entities. A minimum of $250,000 is
required to open and maintain an account. We may waive account minimums at our sole discretion.