JOSS Brown Wealth Advisors Group LLC

Item 5 – Fees and Compensation
Financial Planning and Consulting (Stand-Alone)
To the extent requested by a client, JBWA may determine to provide financial planning
and/or consulting services (including investment and non-investment related matters,
including estate planning, insurance planning, etc.) on a stand-alone fee basis. JBWA will
generally charge a fixed and/or hourly fee for these services. JBWA’s financial planning
and consulting fees are negotiable, but generally begin at a minimum of $5,000.00 to a
maximum of $50,000.00 for a comprehensive financial plan, depending upon the level
and scope of the services required, and the professionals rendering the services. JBWA,
may, in its discretion, also provide hourly financial or consulting services. Our current
hourly fees are $350 per hour and limited engagement projects start at $ $2,500 based
on scope of the planning needed.
Investment Advisory Services
As indicated above JBWA prices its discretionary and non-discretionary investment
advisory services based upon various objective and subjective factors. As a result,
JBWA’s clients could pay diverse fees for investment management services based upon
the market value of their assets, the complexity of the engagement, and the level and
scope of the overall investment advisory and/or consulting services to be rendered.
Currently, our fees range from 0.25% - 1% of investable assets subject to a $5,000 per
year minimum. All fees are due and payable quarterly, in advance. If household wealth
management is highly complex, the minimum may exceed $5,000. As a result of these
factors, similarly situated clients could pay diverse fees, and the services to be provided
by JBWA to any particular client could be available from other advisers at lower fees. All
clients and prospective clients should be guided accordingly. ANY QUESTIONS: JBWA’s
Chief Compliance Officer, Katherine L Brown, remains available to address any questions
regarding this arrangement.
The annual fee for investment management services provided are based upon a
percentage (%) of the market value of the Assets under management in accordance with
the fee schedule in the Agreement signed by the client. The client understands that JBWA
considers cash to be an asset class and part of Assets under management and subject
to the same fee calculation as the client’s non-cash investments.
Clients may elect to have JBWA’s advisory fees deducted from their custodial account.
Both JBWA's Investment Advisory Agreement and the custodial/clearing agreement may
authorize the custodian to debit the account for the amount of JBWA's investment
advisory fee and to directly remit that management fee to JBWA in compliance with
regulatory procedures. In the limited event that JBWA bills the client directly, payment is
due upon receipt of JBWA’s invoice. JBWA may deduct fees and/or bill clients quarterly
in advance or arrears, based upon the market value of the assets on the last business
day of the previous quarter.

              Joss Brown Wealth Advisors | Item 5 – Fees and Compensation 5

                         FORM ADV PART 2A (“BROCHURE SUPPLEMENT”)
         January 1, 2026 JOSS BROWN WEALTH ADVISORS

Betterment for Advisors clients pay, roughly once a calendar quarter (each a “wrap fee
period”), a wrap fee generally equal to 0.2% per annum of the client’s average daily
account balance during the Wrap Fee Period for Betterment’s and Betterment Securities’
services. The wrap fee is subject to waiver or reduction by Betterment in its sole
discretion. Accounts are not charged a wrap fee when they are unfunded. The value of
the Account for wrap fee calculation purposes will be determined by Betterment in
accordance with its normal practices and procedures. The client authorizes such wrap
fees to be deducted directly from the Betterment account. Additionally, any fee paid to
JBWA will be calculated in the same manner, with an average daily account balance, and
deducted directly from the Betterment account.
As discussed below, unless the client directs otherwise or an individual client’s
circumstances require, JBWA shall generally recommend that Charles Schwab & Co.,
Inc. (“Schwab”) or Fidelity Investments (“Fidelity”), referred to as the “Custodians”) serve
as the broker-dealer/custodian for client investment management assets. Broker-dealers
such as the Custodians charge brokerage commissions and/or transaction fees for
effecting certain securities transactions (i.e. transaction fees are charged for certain no-
load mutual funds, commissions are charged for individual equity and fixed income
securities transactions). Clients will incur, in addition to JBWA’s investment management
fee, brokerage commissions and/or transaction fees, and, relative to all mutual fund and
exchange traded fund purchases, charges imposed at the fund level (e.g. management
fees and other fund expenses).
JBWA’s annual investment advisory fee shall be prorated and paid quarterly, in advance
or arrears, based upon the market value of the assets on the last business day of the
previous quarter. JBWA may separately negotiate with clients initial minimum account
sizes or initial annual minimum fees for combined planning and investment management
services. Account minimums and minimum fees are separately negotiated with clients.
As a result of these factors, similarly situated clients could pay diverse different minimum
fees or have different account minimum values, and the services to be provided by JBWA
to any particular client could be available from other advisers at lower fees. All clients and
prospective clients should be guided accordingly. ANY QUESTIONS: JBWA’s Chief
Compliance Officer, Katherine Brown, remains available to address any questions
regarding this arrangement.
Item 12 further describes the factors that the firm considers in selecting or recommending
broker-dealers for client transactions and determining the reasonableness of their
...

Item 7 – Types of Clients
Clients are individuals, high net worth individuals, pension plans, profit sharing plans,
charitable organizations, and other business entities. Please see Item 5 for a description
of how JBWA may impose minimum fees or account sizes.

                       Joss Brown Wealth Advisors | Item 7 – Types of Clients 9

                         FORM ADV PART 2A (“BROCHURE SUPPLEMENT”)
         January 1, 2026 JOSS BROWN WEALTH ADVISORS