Law & Associates Inc

FEES AND COMPENSATION (Item 5)

Financial Planning Services Fees

The Fees for Financial Planning Services can be structured as an agreed upon fixed (flat) dollar
amount or an hourly rate up to $400 per hour. The initial Financial Planning Services Fee is for
delivery of the written plan, which includes recommendations and investment advice. Typically, the
minimum initial year’s financial planning fee is $3,000 and is payable by check. The firm has
discretion to discount this fee depending on the client’s situation. It is our expectation to complete
and deliver all plans within six months, assuming the client is timely in providing required
information.

After the initial year, a flat fee is assessed for each Renewal Year for continuing Financial Planning
Services and periodic review of the Comprehensive Financial Plan. This annual flat fee shall be
agreed upon prior to or contemporaneous with the first anniversary of the Client Agreement. We
may increase or decrease fees after providing the client at least 30 days’ written notice. Our fees may
be higher than fees charged by other investment advisers, and our fees and method of calculating fees
may vary from client to client.

                                                                         Part 2A of Form ADV: Firm Brochure
                                                                                        Law & Associates, Inc.
                                                                                                 March 2026
The client is able to terminate the Financial Planning Services Agreement without penalty if the client
delivers written notice to us within five (5) business days from the date of the acceptance of the
Agreement. In the event this Agreement is terminated within six months of the Effective Date and we
have not delivered the Comprehensive Financial Plan to the client, any fees collected in advance will
be refunded to the client on a pro rata basis for the number of days remaining in such six-month
period. In the event this Agreement is terminated after delivery of the Comprehensive Financial Plan
but before the first anniversary of the Effective Date of the Agreement, the entire flat fee shall have
been earned by Law and no refund will be due to the client.

Divorce Financial Analysis Services Fees

The fees for Divorce Financial Analysis Services will depend on the complexity of the financial
situation of the client. It can be structured as an agreed upon fixed (flat) dollar amount or an hourly
rate up to $400 per hour.

Investment Management Services Fees

The maximum advisory fee for all accounts is 2.25% (except as otherwise indicated in this
Brochure). Law has the discretion to discount fees.

The annual asset-based fee is paid quarterly in advance at the rate of ¼ of the annual rate. When an
account is opened, the asset-based fee is billed for the remainder of the current billing period and is
based on the initial contribution. Thereafter, the quarterly asset-based fee is based on the account
asset value as reported by RJA, the Custodian, on the last business day of the previous calendar
quarter and becomes due the following business day. The client authorizes and directs RJA, as
Custodian, to deduct asset-based fees from the client’s account. The client further authorizes and
directs RJA to send a quarterly statement to the client that reflects all amounts disbursed from the
client’s account for these fees. The brokerage statement will show the amount of the asset-based
fee, the value of the assets on which the fee was based, and the specific amount of the fee that was
deducted.

The client may also incur charges for other account services not directly related to the execution
and clearing of transactions including, but not limited to, IRA custodial fees, safekeeping fees, and
fees for legal or courtesy transfer of securities.

Ambassador
Aa minimum investment of $25,000 is required for Ambassador Accounts, although a smaller
account size may be accepted based upon the specific circumstances of an account.

Freedom
A minimum investment of $25,000 is required for Freedom Accounts, although smaller account
size may be accepted based upon the specific circumstances of an account.

Clients most appropriate for the mutual fund version of Freedom are those willing to pay more for
the potential to outperform the market or benchmark indices over the long term, but must be aware

                                                                          Part 2A of Form ADV: Firm Brochure
                                                                                         Law & Associates, Inc.
                                                                                                  March 2026
of the potential for underperformance as well. Clients most appropriate for the ETF version of
Freedom Accounts are those willing to achieve market-like returns, less management fees and
operating expenses, with little potential for the individual ETFs to outperform the respective indices
they track.

The investment decisions will be driven by Asset Management Services (“AMS”) Manager Research
and Due Diligence, and the mutual fund strategies can include “Highly Recommended”
funds from the Raymond James Mutual Fund Research (“MFR”) coverage list. If a fund is
downgraded by MFR, RJA will determine the appropriate course of action, which may include
replacing the downgraded fund in all Freedom Accounts, if necessary.

RJA is under no obligation to select funds exclusively from MFR’s “Highly Recommended” list.
AMS Manager Research and Due Diligence continually monitors all funds in the Freedom
Accounts, whether or not they are covered by MFR.

The Freedom Investment Management Client Agreement can be terminated by the client at any
time upon providing verbal or written notice pursuant to the provisions of the Investment
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TYPES OF CLIENTS (Item 7)

Law serves a wide range of clients which include, but are not limited to individuals, high net worth
individuals, trusts, estates and various business entities. We have long-term relationships with many
of our clients.

     METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF
                            LOSS (Item 8)

The Firm’s investment process is driven by a financial planning process with an emphasis on
diversification and elements of modern portfolio theory. Our asset allocation is driven by a
comprehensive client consulting process. This is a multiple step process driven by the client’s
needs and objectives. Our investment strategies focus on the diversification of a client’s
portfolio. We do not recommend a single strategy or security for achieving a client’s long-term
objectives.