JT Stratford LLC

Item 5 – Fees and Compensation

General Account Characteristics

Described below are general characteristics regarding “other” fees incurred, discretionary
authority, payment of fees, and termination of contracts that will affect your account(s).
Following these disclosures are descriptions of the accounts or services that we offer, the
basic management fee structures and any unique characteristics. For a more complete
discussion and disclosure regarding any Account’s services or fee structure, we will
provide a detailed advisory agreement.

Other Fees

Generally, fees for investment advisory accounts are based on a percentage of the
market value of assets under management including cash and are negotiable. Therefore,
clients with similar assets under management and investment objectives may pay
significantly higher or lower fees than other clients. However, the advisory fee does not
cover charges imposed by third parties for investments held in the Account, such as
contingent deferred sales charges or 12b-1 trails on applicable mutual funds. In addition,
each mutual fund charges asset management fees, which are in addition to the advisory
fees charged by us. The fees charged by such funds or managers are disclosed in each
fund’s prospectus or Manager’s Disclosure Brochure. The advisory fee also does not
cover debit balances or related margin interest or SEC fees or other fees or taxes required
by law. In addition, certain Accounts may require a minimum advisory fee or quarterly
maintenance fee that will be detailed in the applicable advisory agreement. Furthermore,
JT Stratford charges households, with accounts over $50,000, an annual $85
admin/technology fee to offset the expenses associated with the services JT Stratford
offers to each client.

Payment of Fees

For the majority of accounts, fees will be based on the ending value of the account on the
last day of the previous quarter and are payable quarterly in advance. The first advisory
fee is based on the value of the account on the first day of management by Adviser and
is payable within one month after execution of the agreement. The first advisory fee will
be assessed on a pro-rata basis taking into account the time for which the account was
not managed by Adviser and the time left in the quarter.

Typically, 401k participants that are part of Plan Sponsors that utilize our services are
billed quarterly in arrears, and these fees are processed by the Plan Sponsor’s record-
keeper.

Fees charged are based on a percentage of the assets under management, including
cash or cash equivalents. Fees are calculated and payable quarterly in advance based
on Orion’s valuation (or other valuation program utilized by Adviser) of the market value
of the billable assets in your account. Please note that the balance your fee is based on
may not match the statement you receive from the custodian due to dividends, incoming
contributions, outgoing withdrawals, settlement issues, etc. (except for certain Plan
Sponsors/Plan Participants noted above that are billed in arrears based on the quarter
end balance provided by the custodian).

Termination of Contracts

The advisory agreement may be terminated at any time upon notice by either party. Fees
paid in advance will be prorated to the date of termination and any unearned portion of
the fee will be refunded to the client.

Detailed information on the termination terms and fees can be found in the applicable
advisory agreement.

Fee-Based Advisor Managed Accounts

      Portfolio Value                           Annual Fee

      $          0-$       999,999                 1.35%
      $ 1,000,000 - $ 4,999,999                    1.00%
      $ 5,000,000 - $ 9,999,999                    0.90%
      $10,000,000 - $24,999,999                    0.80%
      $25,000,000 - $49,999,999                    0.74%
      $50,000,000 - $100,000,000                   0.68%

Aggregate account balances are used for fee breakpoint calculations. In addition to the
advisory fee, accounts are assessed applicable transaction charges. These transaction
charges may be higher or lower than transaction charges or commissions the client may
pay at other broker-dealers. All transactions may be subject to postage and handling fees.

Financial Planning and Consulting
JT Stratford’s financial consulting fees are determined on a client-by-client and account-
by-account basis. Fees may be charged hourly, ranging from $200 to $500 per hour, or

as a flat fee based on service complexity—typically up to $5,000 for standard financial
plans and $50,000 or more for complex consulting engagements. Flat fees are billed in
advance and may be structured as quarterly installments, depending on the estimated
duration of the engagement.
Either party may terminate the contract with 30 days’ notice. Upon written request, we will
issue a prorated refund based on the work completed. If the contract is terminated within
five business days of signing, you will receive a full refund.
Our pricing considers both objective and subjective factors, including the scope and
complexity of services requested. Accordingly, fees and costs may vary among clients.
In addition to consulting fees, clients are responsible for any third-party service provider
expenses associated with their selected services.
JT Stratford may credit all or a portion of the financial consulting fee back to clients who
engage the firm for portfolio management services. This practice presents an inherent
conflict of interest when we recommend securities transactions or investment advice that
results in you becoming a client and paying ongoing fees. We address this conflict through
our fiduciary duty, ensuring our recommendations align with your best interests. However,
you are under no obligation to act on our investment adviser representatives' (IARs)
recommendations. Should you choose to do so, you are not required to execute
transactions through JT Stratford or your IAR.
...

Item 7 – Types of Clients

We provide investment advisory services to individuals including high net worth
individuals, pension and profit-sharing plans, charitable organizations, and corporations.
We do not impose a minimum account value.