One Degree Advisors Inc

Item 5 – Fees and Compensation
The client can determine to engage One Degree Advisors, Inc. to provide
discretionary investment advisory services on a fee only basis. One Degree Advisors,
Inc.’s investment advisory fee is based upon a percentage (%) of the market value of
the assets placed in under One Degree Advisors, Inc. or a fixed fee. The maximum
fee percentage is 1.99% of the assets under management and is based on the
balance of the accounts managed and services provided.
Investment advisory fees will be calculated on quarterly basis, in advance, at the
beginning of each calendar quarter based on the balance of the client’s account at the
end of the previous quarter. The first quarter is due at the execution of the Advisory
Agreement and is prorated to the end of that quarter.
Management fees shall be prorated for each capital contribution and withdrawal made
during the applicable calendar quarter (with the exception of de minimis contributions
and withdrawals).
The annual fee for investment management services provided are based upon a
percentage (%) of the market value of the Assets under management in accordance
with the fee schedule in the Agreement signed by the Client. One Degree Advisors, Inc.
considers cash to be an asset class and part of Assets under management and subject
to the same fee calculation as the Client’s non-cash investments.
In certain cases, including where client accounts employ strategies involving offsetting
long and short positions, advisory fees may be calculated based on net account value

                            One Degree Advisors, Inc. | Item 5 – Fees and Compensation          7

                         FORM ADV PART 2A (“FIRM BROCHURE”)
             May 1, 2026 FOR ONE DEGREE ADVISORS, INC.

(generally reflecting the net market value of those positions). In contrast, where clients
utilize borrowing or liquidity strategies — including margin loans, pledged asset lines, or
options-based liquidity strategies — advisory fees are generally calculated based on the
total market value of assets under management, without reduction for borrowing-related
obligations.
Clients whose assets are allocated to separately managed accounts managed by third-
party Sub-Advisers may be subject to additional management fees charged by the Sub-
Adviser, separate from and in addition to One Degree Advisors' advisory fee. These
fees are disclosed in the applicable Sub-Adviser's Form ADV Part 2A brochure, which
will be provided to clients prior to or at the time of allocation. One Degree Advisors does
not receive compensation, referral fees, or revenue sharing from any Sub-Adviser in
connection with client referrals or allocations.
The calculation of advisory fees based on net account value in these circumstances
may create an incentive for One Degree Advisors to recommend strategies that affect
account structure or borrowing levels; however, recommendations are made based on
the client's overall financial situation, objectives, and investment plan.
Fees for financial planning services will vary, typically up to $5,000 paid quarterly in
advance. The fee is determined by the services required and agreed upon in advance.
The final fee, subject to negotiation, is directly dependent upon the facts and
circumstances of the client’s financial situation and the complexity of the financial plan
or services requested. Fees for financial planning services may be offset if the client
utilizes the firm’s investment management service.
Clients may provide written authorization to the custodian of their accounts to pay One
Degree Advisors, Inc.’s fees from the client’s account. The account custodian does not
verify the accuracy of One Degree Advisors, Inc.’s 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 One
Degree Advisors, Inc.
Financial Institution Consulting Services
One Degree Advisory, Inc. receives a consulting fee based on the Assets Under
Management from Brokerage Customers who have provided written consent to a
broker/dealer to receive the investment consulting service from One Degree Advisors,
Inc. and have entered into a written advisory contract with One Degree Advisors, Inc.
The consulting fee is calculated on quarterly basis, in advance, at the beginning of each
calendar quarter based on the balance of the client’s account at the end of the previous
quarter. The first quarter is due at the execution of the Advisory Agreement and is
prorated to the end of that quarter.
The annual fee for investment management services provided are based upon a
percentage (%) of the market value of the Assets under management in accordance
with the fee schedule in the Agreement signed by the Client. One Degree Advisors, Inc.

                           One Degree Advisors, Inc. | Item 5 – Fees and Compensation         8

                         FORM ADV PART 2A (“FIRM BROCHURE”)
             May 1, 2026 FOR ONE DEGREE ADVISORS, INC.

considers cash to be an asset class and part of Assets under management and subject
to the same fee calculation as the Client’s non-cash investments.

General Information Regarding Advisory Services and Fees
One Degree Advisors, Inc. fees are exclusive of brokerage commissions, transaction
fees, and other related costs and expenses which shall be incurred by the client. Clients
may incur certain charges imposed by custodians, brokers, third party investment and
other third parties such as fees charged by managers, custodial fees, deferred sales
charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and
other fees and taxes on brokerage accounts and securities transactions. Mutual funds
and exchange traded funds also charge internal management fees, which are disclosed
in a fund’s prospectus.
...

Item 7 – Types of Clients
One Degree Advisors, Inc. clients shall generally include high net worth individuals,
business owners, and corporations. Client relationships vary in scope and length of
service.

                                   One Degree Advisors, Inc. | Item 7 – Types of Clients   13

                         FORM ADV PART 2A (“FIRM BROCHURE”)
             May 1, 2026 FOR ONE DEGREE ADVISORS, INC.