Illumine Investment Management LLC

ITEM 5 – FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
Illumine charges a fee as compensation for providing Investment Management services on your account.
These services include advisory services, trade entry, investment supervision, and other account-
maintenance activities. Our recommended Custodian charges transaction costs, custodial fees, redemption
fees, retirement plan and administrative fees or commissions. Refer to Additional Fees and Expenses
section below for additional details.

The fees for portfolio management are based on an annual percentage of assets under management. Fees
are applied to the account asset value on a pro-rata basis and billed quarterly in advance. Our maximum
annual advisory fee for accounts paying a percentage of assets under management is 1.95% and the specific
advisory fees are set forth in your Investment Advisory Agreement with our Firm. The advisory fee will be
based upon the market value of the portfolio on the close of the last business day of the quarter, as reported
by the Custodian. Unless otherwise agreed upon and stated in the Investment Management Agreement,
fees are assessed on all assets under management, including securities, cash and money market balances.
Margin balances are excluded for billing purposes. When applicable and noted in the Investment
Management Agreement, legacy positions will also be excluded from the fee calculation.

Fees may vary based on the size of the account, complexity of the portfolio, extent of activity in the account
or other reasons agreed upon by us and you as the client. In certain circumstances, our fees and the timing
of the fee payments may be negotiated. Our employees and their family related accounts are charged a
reduced fee for our services.

Unless otherwise instructed by the client, we will aggregate asset amounts in accounts from your same
household together to determine the advisory fee for all your accounts. We would do this, for example,
where we also service accounts on behalf of your minor children, individual and joint accounts for a spouse,
and/or other types of related accounts. This consolidation practice is designed to allow you the benefit of
an increased asset total, which could cause your account(s) to be assessed a lower advisory fee.

The Independent qualified Custodian holding your funds and securities will debit your account directly for
the advisory fee and pay that fee to us. You will provide written authorization permitting the fees to be paid
directly from your account held by the qualified Custodian. Further, the qualified Custodian agrees to
deliver an account statement monthly directly to you indicating all the amounts deducted from the account
including our advisory fees. At our discretion, our firm will allow advisory fees to be paid by check as
indicated in the Investment Advisory Agreement. You are encouraged to review your custodial account
statements for accuracy.

Either Illumine or you may terminate the management agreement immediately upon written notice to the
other party. If you paid fees in advance and termination occurs during the quarter, the prorated portion of
the fee not yet earned will be refunded to you. Illumine will calculate the amount of the unearned
management fee pro-rated to the date of termination for the quarter in which the cancellation notice was
given. Illumine will instruct the Custodian to refund the amount of the unearned fee and Illumine will
provide the client with a report detailing the prorated charges. If the Custodian is unable to credit the
account, Illumine will send the refund in the amount of the unearned fee directly to the client’s address on
file.

ILLUMINE INVESTMENT MANAGEMENT, LLC
FEBRUARY 2026 | PAGE 6

Upon termination, you are responsible for monitoring the securities in your account, and we will have no
further obligation to act or advise with respect to those assets. In the event of client’s death or disability,
Illumine will continue management of the account until we are notified of client’s death or disability and
given alternative instructions by an authorized party.

FINANCIAL PLANNING FEES
Financial planning services are included in the Investment Management fees described above.

FEES FOR SUB-ADVISORY SERVICES PROVIDED TO INDEPENDENT RIA ’S
Our Firm bills an annual asset management fee for sub-advisory services provided to Independent RIAs.
The asset management fee is billed in advance and on a quarterly basis. The advisory fee will be based upon
the market value of the portfolio on the close of the last business day of the quarter, as reported by the
Custodian. Our asset management fees for sub-advisory services will not exceed 1.95%.

The relevant fee and billing method are defined and agreed to by the Firm and the Independent RIA in the
executed Asset Management Agreement. This management fee will be debited directly from the Adviser
Client’s investment account. Additional fees and expenses the Adviser Client may incur are brokerage
commissions, principal markups and discounts, SEC fees, mutual fund/ETF expense ratios, mutual fund 12B-
1 fees, tax withholding on certain foreign securities, postage fees, wire fees, bank charges, and other
administration fees as authorized by you. Please refer to Section 12 for information on brokerage fees and
services.

Either party may terminate the agreement for sub-advisory services upon written notice. If fees were paid
in advance and termination occurs during the quarter, the prorated portion of the fee not yet earned will
be refunded to the account.

ADVYZON        INVESTMENT         MANAGEMENT          LLC     PERFORMANCE           REPORTING,        LLC
ADMINISTRATIVE SERVICES
We have contracted with Advyzon Investment Management LLC (referred to as “Advyzon”) to utilize its
technology platforms to support data reconciliation, performance reporting, fee calculation and billing,
...

ITEM 7–- TYPES OF CLIENTS

We offer personalized, confidential financial planning and investment management for individuals, high net
worth individuals, estates, trusts, Keogh and non-prototype corporation trusts. Our sub-advisory services
are offered to Independent RIAs.

Our Firm maintains a $250,000 minimum in aggregate investable assets to engage our advisory services.

In certain instances, at the discretion of our Firm, our minimum requirements may be waived.