Networth Advisors LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management, Financial Planning and Selection of Other Advisers Fees

        Total Assets Under Management            Total Annual Fees
                    $0 - $1,000,000                         1.5%

                $1,000,001 - $2,000,000                     1.4%

                 $2,000,001 – And Up                        1.25%

When selecting model portfolios for client assets, NAL will receive at least 1% of the total annual
fee with the remainder paid to AE Wealth Management. For example, a client with total assets
under management between $1,000,001 - $2,000,00 will pay an annual fee of 1.4%. NAL would
receive 1.05% and AE Wealth Management will receive 0.35%

The annual fee is calculated based on the average of the daily balance in the client's account
throughout the billing period, after taking into account deposits and withdrawals, for purposes
of determining the market value of the assets upon which the advisory fee is based.

The annual fee is negotiable, and the final fee schedule will be memorialized in the client’s
advisory agreement. Clients may terminate the agreement without penalty for a full refund of the
fees within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the Investment Advisory Contract immediately upon written notice.

B. Payment of Fees

Payment of Portfolio Management, Financial Planning and Selection of other
Advisers Fees

Asset-based portfolio management fees and Financial Planning fees are withdrawn directly from
the client's accounts by AE Wealth Management per the authorization in the Client Advisory
Agreement. Fees are paid monthly in arrears.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of any third-party fees that may arise (i.e. custodian fees,
mutual fund fees, transaction fees, close out fees, etc.). Those fees are separate and distinct from
the fees and expenses charged by NAL except that clients in the AE Wealth Management wrap
fee program will not separately pay transaction fees. Please see Item 12 of this brochure regarding
broker-dealer/custodian.

       D. Prepayment of Fees

       NAL collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither NAL nor its supervised persons accept any compensation for the sale of investment
       products, including asset-based sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients

NAL generally provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals

There is no account minimum for any of NAL’s services.

Identity of our client(s) will be verified through a Customer Identification Program (“CIP”) during the
onboarding process which will be used to determine a risk assessment. Additionally, both new and
current clients will be screened against sanctions lists supplied by government organizations (including
the FBI, FinCEN, and the U.S. Treasury's OFAC), and their information will be kept private and used
exclusively for Anti-Money Laundering (“AML”) purposes.

This routine process adheres to our Anti-Money Laundering Program that is in place to detect, prevent,
and report suspicious activities. It aims to protect our clients and prevent Networth Advisors, LLC from
being used to facilitate criminal activity, including corruption, narcotrafficking, money laundering,
fraud, and terrorist financing, all which pose a serious threat to the financial system and the integrity of
investment firms. The program complies with the Bank Secrecy Act (BSA), USA Patriot Act, and
applicable rules and guidance from the SEC, FinCEN, and other regulatory bodies. Details of this
program can be found in Networth Advisors, LLC’s Policies & Procedures.