Invera Wealth Advisors LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written advisory agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter. Fees range from 1.00% to 2.00% annually based on several
factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and
the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements,
portfolio restrictions and other complexities may be charged a higher fee.

                                                 Invera Wealth Advisors LLC
                         Mailing Address: 70 SW Century Drive, Suite 100 - PMB 5056, Bend, OR 97702
                     Phone: (541) 647-1980(541) 647-1980 | Website: https://www.inverawealthadvisors.com/

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. In certain circumstances, the
Advisor may charge a fixed annual fee for its services. The Client’s fees will take into consideration the aggregate
assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities
held in accounts managed by Invera Wealth will be independently valued by the Custodian. Invera Wealth will not
have the authority or responsibility to value portfolio securities.

Clients may make additions to and withdrawals from their account[s] at any time, subject to Invera Wealth’s right to
terminate an account. Additions may be in cash or securities provided that Invera Wealth reserves the right to
liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may
withdraw account assets on notice to Invera Wealth, subject to the usual and customary securities settlement
procedures. However, Invera Wealth designs its portfolios as long-term investments, and the withdrawal of assets
may impair the achievement of a Client’s investment objectives. Invera Wealth may consult with its Clients about
the options and ramifications of transferring securities. However, Clients are advised that when transferred
securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e.
contingent deferred sales charge) and/or tax ramifications.

Financial Planning Services
Financial planning services may be included as part of an overall wealth management engagement and fee or
contracted separately. Invera Wealth offers financial planning services either on an hourly basis or a fixed
engagement fee. Hourly fees range up to $300 per hour. Fixed fee engagements are negotiated based on the
expected number of hours to complete the engagement as the Advisor’s hourly rate. Fees may be negotiable
based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and/or total costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] in advance of each calendar quarter. The amount due is calculated by applying the
quarterly rate (annual rate divided by 4) to the market value of assets under management as of the end of the prior
calendar quarter. Clients will be provided with a statement, generally monthly, from the Custodian reflecting the
deduction of the wealth management fee. Clients provide written authorization permitting advisory fees to be
deducted by Invera Wealth to be paid directly from their account[s] held by the Custodian as part of the wealth
management agreement and separate account forms provided by the Custodian.

For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Invera
Wealth’s wealth management fee (as noted above) plus wealth management fees and/or platform fees charged
by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may
assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. In other
instances the Advisor and the Independent Manager will each assume the responsibility for calculating and
deducting their respective fees from the Client’s account[s].

Financial Planning Services
Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the
financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by the Custodian and other third parties in connection with
investments made on behalf of the Client’s account[s], such as wire fees, redemption fees, regulatory transaction
fees, or account closure fees.. Securities transaction fees for Client-directed trades may be charged back to the
Client. Securities transaction fees charged by an Independent Manager may be charged to the Client based on
the manager’s policies. Please see Item 4.D. above.

                                                 Invera Wealth Advisors LLC
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Item 7 – Types of Clients

Invera Wealth offers advisory services to individuals, high-net-worth individuals, families, trusts, estates, non-
profits, and small businesses. Invera Wealth generally requires a minimum relationship size of $1,000,000, which
may be reduced at its sole discretion.