MFA Wealth Services

Item 5 – Fees and Compensation

Investment Management (Portfolio Management)
The client can determine to engage MFA Wealth Services to provide discretionary
investment advisory services on a fee basis. MFA Wealth Services’ investment advisory
fee is based upon a percentage (%) of the market value of the assets placed under MFA
Wealth Services or a fixed fee. The percentage fee ranges from 0.5 to 1.5% depending
on the assets under management and services provided. The fixed fee, when utilized, is
for small accounts and ranges from $500 – $12,500 per quarter, or for assets under
advisement where assets are difficult to value, such as real estate and business interests
where a reasonable fee is calculated based in part on AUM fee schedule.

                       Market Value                 Annual Fee (%)

                       $0-$1,000,000.00                        1.0%

                       $1,000,000.01 - $5,000,000              0.8%

                       $5,000,000.01                           0.5%

However, MFA Wealth Service may charge Advisory Fees as low as .5% or as high as
1.5% on accounts depending on services provided.

Limited Negotiability of Advisory Fees: Although MFA Wealth Services has
established the aforementioned fee schedule(s), we retain the discretion to negotiate
alternative fees on a client-by-client basis. Client facts, circumstances and needs are
considered in determining the fee schedule. These include the complexity of the client,
assets to be placed under management, anticipated future additional assets; related
accounts; portfolio style, account composition, reports, among other factors. The specific
annual fee schedule is identified in the contract between the adviser and each client.
We may group certain related client accounts for the purposes of achieving the minimum
account size requirements and determining the annualized fee. Discounts, not generally
available to our advisory clients, may be offered to family members and friends of
associated persons of our firm.
Investment advisory fees are billed quarterly, in arrears, at the beginning of each calendar
quarter based on the value (market value or fair market value in the absence of market
value), of the client’s account at the end of the quarter. The fees are prorated to account
for incomplete quarters.

                                              Item 5 – Fees and Compensation       10

                            FORM ADV PART 2B (“BROCHURE SUPPLEMENT”)
       January 07, 2026     FOR MFA WEALTH SERVICES

For example, if the Advisory Agreement is signed in August, the fees will be prorated to
the end of September (the end of the third quarter). The subsequent fees are due and
payable as of the end of each calendar quarter that follow.

Clients may provide written authorization to the custodian of their accounts to pay MFA
Wealth Services’ fees from the client’s account. Under these circumstances, MFA Wealth
Services will send to the custodian a bill showing the amount of the fee, the value of the
client’s assets on which the fee was based, and the specific manner in which the fee was
calculated. The account custodian does not verify the accuracy of MFA Wealth Services’
advisory fee calculation. The custodian will send the client a statement, at least quarterly,
indicating all amounts disbursed from the account including the amount of advisory fees
paid directly to MFA Wealth Services.

Subsequent year fees are calculated by the then prevailing fee structure and schedule.
Fees are not collected for services to be performed more than six months in advance.

Financial Planning

Financial planning is available at the hourly fee of $350.00 or calculated on a flat fee
basis. Fees for services will vary, and those charged on an hourly basis determined by
the services required and are agreed upon in advance. A financial planning consultation
will require a deposit equal to one-half (50%) of the agreed upon fee upon execution of
the agreement and the balance due upon completion of the work as agreed upon.

Selection And Monitoring Of Third-Party Money Managers Fees

When we are paid by the independent adviser for portfolio management services our fee
is based on a percentage of the client's managed assets, which is included in the
independent investment adviser's annual management fee. The portion of the advisory
fee paid to us does not increase the client's ultimate advisory fee paid to the selected
independent investment adviser.

Clients are provided with a separate disclosure document describing the fee paid to us
by such independent registered investment advisers. The total asset management fee,
including the fee paid to our firm, is disclosed in the independent investment adviser's
disclosure document.

MFA Wealth Services' fee for this service does not include the independent investment
adviser's fee for that entity's advisory/management services. Clients are responsible for
paying fees associated with Third-Party Money Managers.

                                              Item 5 – Fees and Compensation        11

                            FORM ADV PART 2B (“BROCHURE SUPPLEMENT”)
       January 07, 2026     FOR MFA WEALTH SERVICES

Our annual fee for the Selection of other Advisers is charged as a percentage of assets
under management, according to the following schedule:

                      Market Value                  Annual Fee (%)

                      $0-$1,000,000.00                        1.0%

                      $1,000,000.01 - $5,000,000              0.8%

                      $5,000,000.01                           0.5%

However, MFA Wealth Service may charge Advisory Fees as low as .5% or as high as
1.5% on accounts depending on services provided.

Minimum Account Requirements

MFA Wealth Services has a minimum account size for any of the advisory services we
offer of $1,000,000 assets under management, however, there is a minimum fee of $500
...

Item 7 – Types of Clients

MFA Wealth Services clients generally include individuals, high net worth individuals,
trusts, business owners and corporations. Client relationships vary in scope and length
of service.

Required Minimum Client Accounts
MFA Wealth Services has a minimum account size of $1,000,000 for advisory services,
however, there is a minimum fee of $500 per quarter or $350 per hour.

Pre-existing advisory clients are subject to MFA Wealth Services' minimum account
requirements and advisory fees in effect at the time the client entered into the advisory
relationship.

                                                       Item 7 – Types of Clients   16

                            FORM ADV PART 2B (“BROCHURE SUPPLEMENT”)
       January 07, 2026     FOR MFA WEALTH SERVICES