ORBA Wealth Advisors LLC

Item 5: Fees and Compensation

Financial Planning
We offer financial planning services as part of our Investment Advisory Services. These services
are free of charge for Investment Advisory clients. We reserve the right to assess an additional
fixed fee for highly complex and/or time-consuming financial planning projects. Any additional
fees will be agreed to, in writing, by us and by the client.

Additional fixed fees generally range between $500 and $25,000. The fixed fee charge is based
on a number of factors, including the scope of the engagement, the nature, amount, and
complexity of the services and asset involved. The fixed fee is payable one-half upon execution
of the agreement with the balance due at the time of the presentation of the plan, unless
otherwise negotiated with the client. We do not require or solicit payment of fees in excess of
$1,200 more than six months in advance of services rendered.

Financial planning fees are negotiable. Our ability to negotiate the fee may result in some
clients paying more for the same financial planning services than other clients receiving the
same services.

Either party may terminate the signed advisory agreement and any other agreement entered
into related to financial planning at any time by providing 14 days written notice to the other. If
we receive notice of termination, it will process a pro-rata refund of the unearned portion of
any fixed advisory fees charged in advance at the beginning of the quarter. Clients will be
charged on a pro-rata basis, considering work completed by us on the client’s behalf. Clients
will incur charges for financial planning services rendered up to the point of termination and
such fees will be due and payable at the time of termination.

Investment Advisory Services and Portfolio Management Services Through LPL Financial
Annual fees for portfolio management and advisory services are based upon a percentage of
the fair market value of the assets being managed. Fees are negotiable. The rate schedule
below illustrates the maximum annual rates we would charge for these services.

                                  First $1,000,000            1.50%
                                 Next $2,000,000              1.25%
                                 Next $2,000,000              1.00%
                                 Next $5,000,000              0.85%
                                 Over $10,000,000           Negotiable

Calculation and Payment of Fees; Terms
Unless other arrangements have been made, advisory fees will be charged to, and collected
directly from, the client’s account, on a quarterly basis, in accordance with the Investment
Advisory Agreement. Advisory fees will be charged, in advance, to and collected directly from
the account at the beginning of the quarter and will be based on the value of the portfolio as of
the last business day of the previous quarter.

In accordance with the terms of the advisory agreement, a client’s relationship with us may be
canceled at any time, by either party, for any reason upon receipt of 14 days’ written notice.

Accounts initiated or terminated during a calendar quarter will be charged a prorated fee. Upon
termination of any account, any prepaid, unearned fees will be promptly refunded, and any
earned, unpaid fees will be due and payable.

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.

Other Compensation
As disclosed in Item 10, certain of our management persons are Registered Representatives of a
broker dealer, LPL. As Registered Representatives, these individuals accept compensation for
the sale of securities and other investment products.

This practice may present a conflict of interest and gives registered representatives an incentive
to recommend investment products based on the compensation received rather than on a
client’s needs. Clients have the option to purchase investment products that the firm
recommends through other brokerage or agents that are not affiliated with the firm.
Commissions and other sales-related compensation are not our primary compensation.

Cash Balances
Some of your assets may be held as cash and remain uninvested. Holding a portion of your
assets in cash and cash alternatives, i.e., money market fund shares, may be based on your
desire to have an allocation to cash as an asset class, to support a phased market entrance
strategy, to facilitate transaction execution, to have available funds for withdrawal needs or to
pay fees or to provide for asset protection during periods of volatile market conditions. Your
cash and cash equivalents will be subject to our investment advisory fees unless otherwise
agreed upon. You may experience negative performance on the cash portion of your portfolio if
the investment advisory fees charged are higher than the returns you receive from your cash.

Retirement Plan Rollover Recommendations
As part of our investment advisory services to our clients, we may recommend that clients roll
assets from their employer’s retirement plan, such as a 401(k), 457, or ERISA 403(b) account
(collectively, a “Plan Account”), to an individual retirement account, such as a SIMPLE IRA, SEP
IRA, Traditional IRA, or Roth IRA (collectively, an “IRA Account”) that we will advise on the
client’s behalf. We may also recommend rollovers from IRA Accounts to Plan Accounts, from
Plan Accounts to Plan Accounts, and from IRA Accounts to IRA Accounts.
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Item 7: Types of Clients

Our services are geared toward individuals and their families including high-net-worth
individuals, estates, trusts, closely held corporations, corporate pension and profit-sharing
plans, charitable institutions, foundations and endowments.

We require a minimum account size of $1,000,000 for investment advisory clients, although this
may be negotiable.