Ivanoff Wealth Management Inc

Item 5: Fees and Compensation

Subadvisory Fees
Ivanoff offers discretionary direct asset management services to advisory Clients. Ivanoff
charges an annual investment advisory fee based on the total assets under management as
follows:
        Assets Under Management                Ivanoff’s Fee          Monthly Fee
      First $1,000,000 ($0-$1,000,000)             1.0%                 0.0833%
             Your next $2,000,000
                                                  0.80%                 0.0667%
        ($1,000,000.01 - $3,000,000)
             Your next $2,000,000
                                                  0.60%                  0.05%
        ($3,000,000.01 - $5,000,000)
             Your next $5,000,000
                                                  0.50%                 0.0417%
        ($5,000,000.01 - $10,000,000
            Your next $15,000,000
                                                  0.40%                 0.0333%
       ($10,000,000.01 - $25,000,000
             Subsequent amounts
                                                  0.30%                  0.025%
              ($25,000,000.01+)

5                                                                                 April 14, 2026
                                            Form ADV 2A

This is a tiered/blended fee schedule, the asset management fee is calculated by applying
different rates to different portions of the portfolio. Ivanoff may group certain related Client
accounts for the purposes of achieving the minimum account size and determining the
annualized fee.

For example (based on monthly billing period):
Client with $1,500,000 under management would pay $14,113.00 on an annual basis. (*Includes
service fee.)

               AUM                    Monthly fee          Total

               First $1,000,000       x 0.0833% =          $833.00

               Next $500,000          x 0.0667% =          $333.50

               Grand total for the month                   $1,171.50 (*includes $5 monthly
                                                           service fee)

+ $5 Monthly Service Fee*
* The $5 Monthly Service Fee is the technology fee charged per account or investment strategy
for performance and other reporting. This fee is disclosed in our Client Agreement (Schedule D:
Schedule of Fees).

The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of
assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts
of assets to be managed, related accounts, account composition, negotiations with Clients, etc.).
Fees are billed monthly in arrears based on the amount of assets managed as of the close of
business on the last business day of the previous month.

Lower fees for comparable services may be available from other sources. Clients may terminate
their account within five (5) business days of signing the Investment Advisory Agreement with
no obligation and without penalty. After the initial five (5) business days, the agreement may be
terminated by Ivanoff with thirty (30) days written notice to Client and by the Client at any time
with written notice to Ivanoff. For accounts opened or closed mid-billing period, fees will be
prorated based on the days services are provided during the given period. All unpaid earned
fees will be due to Ivanoff. Client shall be given thirty (30) days prior written notice of any
increase in fees. Any increase in fees will be acknowledged in writing by both parties before any
increase in said fees occurs.

Ivanoff may also utilize the services of a Sub-Advisor to manage Clients’ investment portfolios.
Ivanoff will enter into Sub-Advisor agreements with other registered investment advisor firms.
When using Sub-Advisors, the Client will pay additional fees up to 1.00% of assets under

6                                                                                  April 14, 2026
                                             Form ADV 2A

management annually. Sub-Advisor directly deducts their portion of the fee separately from
Ivanoff.

 Co-Advisory Fees
 Ivanoff has entered into a Co-Advisor Agreement with Gradient Investments, LLC (“GI”) SEC
 number 801-70812. GI is a Registered Investment Advisor registered with the Securities and
 Exchange Commission that provides investment portfolio advice and supervisory services.
 GI offers an actively managed program of mutual fund and stock portfolios. The fee will be
 disclosed to the Client in the Investment Advisory Agreement and are negotiable. The Clients
 fee for these services will be based on a percentage of assets under management as follows:
                                     Asset         Stated Total                        Ivanoff Fee
Portfolio                                                             GI Fee*
                                     Valuation     Annual Fee                         (Negotiable)
Custom Indexing - Strategic          All Assets       1.65%            0.65%              1.00%
Strategic                            All Assets       1.50%            0.50%              1.00%
Custom Indexing - Allocation         All Assets       1.65%            0.65%              1.00%
Allocation                           All Assets       1.50%            0.50%              1.00%
Tactical                             All Assets       1.50%            0.50%              1.00%
Defined Outcome                      All Assets       1.50%            0.50%              1.00%
Private Wealth                       All Assets       1.50%            0.50%              1.00%
Preservation                         All Assets       1.00%            0.40%              0.60%
Client Directed Accounts             All Assets        $300             $300                $0

For Client Directed Accounts (CDA), GI will assist in the opening, closing and transferring of
...

Item 7: Types of Clients

We generally provide advisory services to the following types of clients:
   • Individuals
   • High-Net-Worth Individuals
   • Other registered investment advisors
   • Defined Contribution & Defined Benefit Retirement Plans

9                                                                                  April 14, 2026
                                             Form ADV 2A

     •   Corporate and Institutional Investors

Minimum Account Size
There is no account minimum.