Orographic Financial Advisors LLC

ITEM 5 - FEES AND COMPENSATION

WEALTH MANAGEMENT
Orographic charges advisory fees (“Advisory Fees”) for Wealth Management which are calculated as a percentage of assets under management
(“Assets”). Our standard annual Advisory Fee is 1.00% with a minimum annual Advisory Fee of $2,500. However, we have some clients on a lower
fee schedule or waived minimum fee based on the individual client circumstances, familial relationships, complexity of relationship, existing client,
etc. When you engage us, you will sign an Advisory Agreement that fully discloses our Advisory Fee and gives us authorization to debit our fee directly
from your accounts.
The Advisory Fee is calculated quarterly in arrears based upon the average value of the Assets over the previous quarter, subject to one-quarter of the
minimum annual Advisory Fee. The Assets include all positions in the accounts, cash, declared and paid dividends, accrued income and interest
payments, unless specifically excluded or restricted from billing in writing by the client.
Clients are also responsible for all transaction charges, fees and other expenses charged and imposed by the custodian who holds the Assets, which
is separate and in addition to our Advisory Fees. Additionally, clients may incur, relative to all mutual fund and exchange traded fund purchases,
charges imposed at the fund level (e.g., management fees and other fund expenses). Accordingly, clients should review the fees charged by the
investments, custodian, and our Advisory Fee to fully understand the total amount of the fees being paid. The investments selected for the clients are
not exclusively available to us and could be obtained through other unaffiliated firms and potentially at a lower fee.

FINANCIAL PLANNING
Financial Planning is included in the Advisory Fee for our Wealth Management clients. For standalone Financial Planning, our fixed fee is up to $4,000
per plan or up to $375 per hour.
Under our fixed fee arrangement, any fee will be agreed in advance of services being performed and clearly shown on the Financial Planning agreement.
The fee will be determined based on factors including the complexity of your financial situation, agreed upon deliverables, and whether you intend to
implement any recommendations through Orographic.
Typically, we complete a plan or financial assessment within a month and will present it to you within 90 days of the contract date, if you have provided
us with all information needed to prepare the financial plan. Planning Fees are billed at the execution of the Financial Planning Agreement. You may
terminate the financial planning agreement by providing us with written notice. There is no penalty for termination of your financial planning agreement
prior to the plan being delivered to you.
Representatives are licensed insurance agents; however, they are not affiliated with any insurance companies or insurance agents and will not sell
any insurance products or services. Clients are free to enact any aspect of the financial recommendations with a financial provider of their choice.

ITEM 7 - TYPES OF CLIENTS

We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations,
institutions, trusts and estates.

OROGRAPHIC FINANCIAL ADVISORS, LLC
MARCH 2026 | PAGE 3