Kingswood Wealth Advisors LLC

Item 5 – Fees and Compensation
Advisory Fee Schedule

The specific manner in which fees are charged by KWA is established in each client’s written IMA with
KWA. Generally, and pursuant to such agreement, fees for the management of accounts are typically based
upon a percentage of the total assets in the account (including margined assets). KWA typically receives an
annual management fee that ranges up to 2.5% of the net asset value of the accounts subject to the IMA. All
fees are negotiable, and each Financial Advisor may utilize a different fee schedule; thus, fees will differ
per client. KWA also enters into flat fee arrangements from time to time, typically for administrative
services provided to clients or client Accounts. Lower fees for comparable services may be available from
other sources. KWA will not charge a total management fee over the 3% industry average for any of its
services. KWA does not require or solicit prepayment of more than $500 in fees per client, six months or
more in advance.

Advisory Fee Billing

Advisory fees may assessed and/or charged quarterly, based on prior quarter-end value. An advisory fee
may also be charged more frequently if agreed to in writing. Fees are charged in advance unless agreed to
in writing. For the initial period of engagement, the fee is calculated on a pro-rate basis. Inflows and
outflows of cash and securities are considered as well on a prorated basis when calculating fees. In the event
the IMA is terminated, the fee for the final billing period is prorated through the effective date of the
termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as
appropriate. Fees can be structured in one of the following ways:

     1. Blended Management Fee: Total fee is calculated based upon sum of asset value times fee percentage
        in all asset ranges. Maximum fee is 2.5% per year (unless otherwise specified);

     2. Breakpoint Management Fee: Total fee is calculated based upon total asset value times fee
        percentage of highest total asset value range. The maximum fee is 2.5% per year (unless
        otherwise specified); or

     3. Flat Management Fee: Total fee is calculated based upon sum of asset value times fee percentage
        in all asset ranges. The maximum fee is 2.5% per year (unless otherwise specified).

Fees are debited from clients’ custodial accounts. Custodians provide their clients with brokerage statements
no less than frequently than quarterly. Such statement will reflect deduction of the advisory fee.

Fees are collected by KWA from the amount of any contribution or transfer, from available cash in the
client’s account, from margin or by liquidating the client’s assets held in the client’s account in an amount
equal to the fees that are due.

KWA may negotiate a fee rate that differs from the range set forth above.

©Kingswood Wealth Advisors, March 2026                                                                Page | 10

Third-party Managers – Advisory Fees

KWA generally charges a fee for clients using third-party managers between 1% and 2.5% based on assets
under management. Fees are individually negotiated with each client. In addition to a client’s IMA with
KWA, a client enters into an agreement with a third-party manager. Client will not be charged a total
combined management fee over the 3% for assets under management under the third-party manager
program. Third-party manager fees are individually negotiated and are based on assets under management,
while also varying by each program type. The agreement with third-party manager will provide the fees to
be charged for participation with the third-party manager.

KWA receives compensation from a third-party manager when we refer clients to a third-party manager,
and clients decide to open a managed account with the third-party. KWA has a conflict of interest in
recommending to clients that they utilize a specific third-party manager where a referral fee is paid to KWA.
In addition, when KWA recommends the Client use affiliated third-party managers, this creates a conflict as
the Client is paying additional fees to KWA parent owners and enterprise. Clients are under no obligation
to utilize a third-party manager where KWA would receive this additional compensation. If KWA receives
a fee from the third-party manager from a portion of the investment advisory fee that manager charges for
managing your account, KWA is required to provide you with disclosure about these fees. Any such fees
are typically paid for the term of the management of the account and are subject to the billing processes of
each third-party manager.

    •   Sub-advisor Fees

The fees for sub-advisors are paid from the fee KWA charges pursuant to its IMA and as outlined above. In
certain instances, you will pay higher fees to KWA if a sub-advisor is used, however the total fees may not
exceed 2.5% per year.

ERISA Plan Advisory & Consulting Services – Fees

KWA charges fees for ERISA Plan Advisory & Consulting services based on a percentage of the plan
assets for which we provide services. The percentage assessed and/or charged is negotiable up to 1.50%
annually. The frequency the fees are charged and assessed for on-going advisory services will be no less
than quarterly, based on prior period ending value. Generally, the fees are charged in advance, but in certain
cases may be charged in arrears. Fees charged for consulting services may be based on an hourly rate,
percentage of assets or a flat fee.

Fees for advisory services can be structured in one of the following ways: a fixed flat percentage fee on
total assets in the account, a tiered fee schedule whereby the fee is calculated by applying different rates to
different levels of assets, or a linear fee for which the percentage is lowered on all assets as asset volume
thresholds are met. The percentage, frequency and structure of the fee to be assessed and/or charged for
...

Item 7 – Types of Clients
KWA offers its advisory services to individuals, including high net worth individuals, banks, pension
plans, trusts, investment advisors, individual participants of retirement plans, institutions, corporations,
endowments, non-profits or other business entities domiciled or residing in the United States and other
countries. KWA will ensure it is properly registered with the appropriate regulatory authorities in the
jurisdiction of prospective individual and/or entity clients as required. KWA also provides asset management,
financial consulting, ERISA plan advisory & consulting, investment advisory consultation, and selection
of third-party money managers. Our services are provided on a discretionary and non-discretionary basis.

When subscribing to the advisory services offered by KWA, generally, the minimum account value is
$100,000, although lower levels may be accepted on a case-by-case basis by KWA. If the value of a client’s
account declines below established minimum threshold during each calendar year KWA assesses such
accounts a $20.00 quarterly fee during the duration of time such account remains below the minimum
account level. KWA reserves the right to require the client to deposit additional monies or securities to bring
the account value up to the account minimum. For friends and family of the KWA, this may be waived.

For purposes of calculating minimum account values, KWA may consider all investment management
accounts which constitute the “household” of the client’s assets. Typically, a client’s household consists
of any spouse, parent, child, partner or sibling. KWA may terminate the advisory relationship for failure
to maintain the minimum account value. In some special cases, account minimums may be waived or
negotiated.

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”), KWA may be a fiduciary to the plan. In providing
our investment management services, the sole standard of care imposed upon us is to act with the care, skill,
prudence and diligence under the circumstances then prevailing that a prudent man acting in a like capacity
and familiar with such matters would use in the conduct of an enterprise of a like character and with like
aims.

KWA will provide certain required disclosures to the “responsible plan fiduciary” (as such term is defined in
ERISA) in accordance with Section 408(b)(2), regarding the services we provide and the direct and indirect
compensation we receive by such clients.

Generally, these disclosures are contained in this Form ADV Part 2A, 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 KWA; (2) identify any potential conflicts of interests; and
(3) satisfy reporting and disclosure requirements to plan participants.

©Kingswood Wealth Advisors, March 2026                                                                 Page | 16