Intelligence Driven Advisers LLC

Item 5: Fees and Compensation

A. Compensation for Financial Planning and Consulting Services

Financial planning and Consulting fees vary based on the scope of services, type of
planning or consulting, complexity of the client’s situation, and the professional providing
the services. Fees are typically charged as either a one-time fixed fee or an hourly rate.
Fixed fees generally range from $2,500 to $10,000, and hourly rates range from $175 to
$675. All fees are negotiable at the Firm’s discretion, and some clients may pay lower fees.
Prior to commencing services, the client may be required to pay all, but no less than 50%,
of the estimated fee, with the remainder due upon completion of the financial plan.

The Firm may waive all or a portion of financial planning fees for certain clients, including
those who engage IDA for investment management or retirement plan services, or as part
of marketing programs.

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                                       Form ADV 2A
                                      March 25, 2026

If a client elects to implement recommendations, additional costs may apply, including
transaction fees, mutual fund expenses, and/or third-party advisory fees (see Item 5.F for
more information).

As part of the financial planning process, certain IDA investment adviser representatives
(“IARs”) may recommend insurance solutions to address identified client needs. These
IARs are licensed insurance agents through IDA’s affiliated insurance agency, Intelligence
Driven Insurance Solutions (“IDIS”) (see Item 10), and with other insurance carriers.
Recommended products may include life, health, and disability insurance, as well as fixed
index annuities.

Clients are not obligated to purchase insurance through IDIS or any affiliated insurance
company and may obtain coverage from any provider or choose not to implement the
recommendation. If a client elects to purchase insurance through IDIS or an affiliated
carrier, the IAR, in their capacity as an insurance agent, will receive normal and customary
commissions, which vary based on the product and carrier.

From time to time, IDA provides consulting services related to certain variable annuities
held at an unaffiliated third-party broker-dealer. In connection with these services, IDA
receives a portion of the commission paid through Halo Investing (“Halo”). This
compensation is paid to IDA by Halo and does not result in an additional fee charged
directly by IDA to the client; however, the commission is ultimately borne by the client
through the product. This arrangement creates a conflict of interest, as IDA has a financial
incentive to recommend or continue advising on these annuity products.

Please refer to Item 10 for additional information regarding these arrangements, including
related conflicts of interest and how IDA addresses them.

B. Compensation for Investment Management Services

IDA generally charges an advisory fee based on a percentage of assets under management
(“AUM”), using a tiered fee schedule that results in a blended rate. In certain cases, a flat
fee may be charged based on the client’s circumstances.

The Firm’s maximum annual advisory fee is 1.00% of AUM. In certain affiliated service
arrangements, where IDA collaborates with other financial professionals as part of an
integrated planning relationship, the maximum annual advisory fee is 1.25% of AUM to
reflect the broader scope of services.

IDA aggregates all investment management accounts within a client’s “household” to
determine the applicable fee. A household typically includes immediate family members
residing at the same address (e.g., spouse, parent, child, partner, or sibling), though
related accounts at different addresses may be included at the client’s request.

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                                        Form ADV 2A
                                       March 25, 2026

Although IDA believes its advisory fees are competitive, clients should be aware that lower
fees for comparable services may be available from other sources.

Billing Method

Advisory fees are assessed quarterly in advance and are calculated based on the value of
the client’s assets under management as of the close of business on the last business day
of the prior calendar quarter. This includes cash, cash equivalents, accrued interest, and
assets purchased on margin (without offsetting margin debit balances). Fees are generally
deducted directly from the client’s account by the custodian. Clients may elect to be billed
directly instead. In certain cases (e.g., held-away accounts such as 401(k)s), fees may be
deducted from another account or invoiced if direct billing is not possible.

Fees are prorated for accounts opened during a quarter based on the number of days the
account is managed. Adjustments may also be made for deposits and withdrawals during
the prior billing period. If the advisory agreement is terminated before the end of a billing
period, any unearned fees paid in advance will be refunded on a pro rata basis, based on
the number of days remaining in the billing period.

As referenced in Item 4, IDA calculates investment management fees based on the total
value of assets under management, including assets purchased on margin, and does not
offset any margin debit balance. As a result, the use of margin increases the amount of
fees charged.

Minimum Fees and Negotiability

The Firm requires a minimum fee of $2,500 per quarter ($10,000 annually). This minimum
may be waived or reduced in certain circumstances, including but not limited to:
   • Related households that collectively meet the minimum
   • Clients expected to meet the minimum within 12 months
   • Clients paying financial planning/consulting, or other fees that meet the minimum
   • Employees and their family members
...

Item 7: Types of Clients

A. Description

IDA provides its services to individuals, qualified and non-qualified pension and profit-
sharing plans, trusts, estates, charitable organizations, corporations, business entities,
Private Placement Insurance companies, Eleemosynary Organizations, and Native
American Sovereign Nations & Organizations.

B. Conditions for Managing Accounts

When IDA provides investment advice to a client, we are deemed a fiduciary under certain
federal regulations and within the meaning of Title I of the Employee Retirement Income
Security Act and/or the Internal Revenue Code, as applicable, which are laws governing
retirement accounts. The way the firm makes money creates conflicts of interest; however,
as a fiduciary, IDA and its supervised persons are required to always act in our clients’ best
interests, which means we must, at a minimum take the following steps:

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                                        Form ADV 2A
                                       March 25, 2026

   •   Meet a professional standard of loyalty and care when making investment
       recommendations.
   •   Always put our clients’ interests ahead of our own when making recommendations
       and providing services.
   •   Disclose all conflicts of interest and how the Firm addresses such conflicts.
   •   Adopt and follow policies and procedures designed to ensure that we give advice
       and provide services that remains in each client’s best interest.
   •   Charge an advisory fee that is reasonable for our services.
   •   Not provide, or withhold, any information that could render our advice and/or
       services misleading.

If a client’s account is a pension or other employee benefit plan governed by the Employee
Retirement Income Security Act of 1974, as amended (“ERISA”), IDA may be deemed an
ERISA fiduciary to the retirement plan when providing certain services. When that is the
case, and IDA receives fees that are over $1,000, the Firm will provide required disclosures
to the “responsible plan fiduciary” (as such term is defined in ERISA) in accordance with
Section 408(b)(2). The disclosures will cover the services IDA provides and the direct and
indirect compensation the Firm receives by such ERISA clients. Generally, these
disclosures are contained in this Disclosure Brochure, the Client Agreement, and/or in
separate ERISA disclosure documents and are designed to enable the ERISA plan’s
fiduciary to: (1) determine the reasonableness of all compensation received by the Firm;
(2) identify any conflicts of interests; and (3) satisfy reporting and disclosure requirements
to plan participants.