Myra Advisors LLC

Item 5 – Fees and Compensation

MYRA offers 2 types of subscriptions:

   1.​ FREE subscription: $0 per month. 30-day trial.
   2.​ PAID subscription(s): Starting at $3,000 per year. Auto renews.

Note: By default, all Clients are enrolled in the FREE subscription (30-day trial). Clients may
subscribe to the PAID subscription via the MYRA Portal (i.e., interactive website) within or after
the initial 30 days. If a client does not elect a PAID subscription, MYRA reserves the right to
disable or delete the client’s account, including deletion of any links to banks, documents added,
or other personal information provided by client.

Note: The FREE subscription includes access to the Dashboard and PLAN service. The FREE
subscription (30-day trial) does not include any consultations with a financial advisor. Clients
subscribed in the FREE subscription (30-day trial), may avail One-Time Consultations ranging
from $0 to $15,000 per consultation. A typical CONSULT (one-time) is $1,500 for a one-time
45-minute consultation by video or audio conference within 30 days. Clients subscribed in the
FREE plan may also elect to receive INVEST services for an additional fee (described below).

Clients may also elect to subscribe to PAID subscriptions, which includes access to the
Dashboard, PLAN, CONSULT, and INVEST services (for an additional fee). CONSULT includes
unlimited consultation for up to 12 months with a Certified Financial Planner® (CFP®) to discuss
your personal finances. INVEST services are available for an additional fee (described later).

There are 4 types of PAID subscriptions:

   1.​   Non-Accredited, Individual = $3,000 per year
   2.​   Accredited, Individual = $4,000 per year + $1,000 per year **
   3.​   Non-Accredited, Household = $4,500 per year
   4.​   Accredited, Household = $6,000 per year + $1,000 per year **

** for each additional $1 million of Net Worth over $1 million.

Example: For an Accredited Individual with earned income over $200,000 but Net Worth of
under $1 million, the annual fee is $4,000; but with a Net Worth of at least $1 million but under
$2 million, the annual fee would be $4,000 + $1,000 = $5,000 per year. For an Accredited
Household with earned income over $300,0000 but Net Worth under $1 million, the annual fee
is $6,000; but with a Net Worth of at least $4 million but less than $5 million would be $6,000 +
$4,000 = $10,000 per year.

Note: You are Accredited if: (1) your Net Worth is over $1 million, excluding primary residence
(individual or household), OR (2) you earned an income over $200,000 (individual) or $300,000
(household) in each of the prior two years, and reasonably expect the same for the current year.

During initial sign-up, the Client must subscribe via MYRA Portal to a PAID subscription that
best describes their financial status (Accredited vs. Non-Accredited) and personal situation (e.g.
Individual vs. Household). After initial sign-up, the Client or Advisor may update the PAID
subscription type based on the Client’s current financial status and personal situation. The
Advisor encourages the Client to notify the Advisor promptly if the Client's financial status or
personal situation changes. The Client should review your PAID subscription for accuracy, and
inform the Advisor immediately if there is a discrepancy. PAID subscriptions auto-renew until
canceled by the Client from the MYRA Portal, under Settings >> Billing.

The initial subscription term is 1 year (or 12 months) from the date of engagement. Upon the 1
year anniversary of the initial subscription, the PAID subscription will automatically renew for 12
months until cancelled, or on a prorated basis to the next June 30th at the sole discretion of
Advisor. If renewed until June 30th, the PAID subscription will then auto-renew on an annual
basis as of July 1st of each year, until cancelled. The Adviser has the discretion to modify this
renewal schedule at its discretion, and upon notice to the Client.

Example, if a Client initially subscribes to a PAID subscription on Jan 1st, 2026, the initial
subscription term is 12 months from the date of engagement, or until Dec 31st, 2026. Assuming
Advisor exercises discretion, the client contract is now renewed from Jan 1st, 2027 to June
30th, 2027 (for 6 months in this case); and then auto-renews from July 1st, 2027 to June 30th
2028 (for 12 months), and subsequently from July 1st to June 30th each year, until cancelled.

PAID subscriptions may be terminated at any time upon written notice. PAID subscriptions are
typically paid in full at the beginning of the engagement, and at the beginning of each renewal
term. Advisor typically performs the majority of its services within the first 30-90 days of each
subscription term, including renewal terms. Services during the remainder of the term are
generally limited to follow-ups, answering questions, implementation assistance, and ongoing
maintenance of the Client’s relationship. Therefore, the fees are considered earned within the
first six months of any engagement or renewal, and fees are non-refundable if the Client
terminates the PAID subscription before the end of the initial or renewal term. However, the
Advisor may grant exceptions to this policy at its sole discretion.

PAID subscription upgrades that result in a fee increase (e.g. Non-Accredited Individual to
Accredited Individual, or Non-Accredited Individual to Non-Accredited Household) take effect
immediately, and auto renew for a 12 month period from the date of subscription type change
(i.e., the new Effective Date), or until June 30th at the sole discretion of Advisor. The Client is
charged the full subscription fee for the new Subscription, and then issued a prorated refund for
the old Subscription fees, if applicable.

Example: If Client signed up as Non-Accredited Individual ($3,000 per year) on January 1st,
2026 and consequently got married on July 1st, 2026 and upgraded to Non-Accredited
...

Item 7 – Types of Clients

Our PLAN, CONSULT, INVEST services are appropriate for individuals (including high net worth
individuals), trusts and businesses. We do not impose an AUM minimum to receive services.