Osaic Wealth Inc

Item 5 - Fees and Compensation
Vision2020 Wealth Management Platform – Advisor Managed Portfolios Program
We offer Advisor Managed Portfolios as an account where no separate transactions charges apply and a single fee is paid
for all advisory services and transactions (“Wrap Account”).

We also offer Advisor Managed Portfolios with separate advisory fees and transaction charges (“Non-Wrap Account”). As
such, in addition to the monthly or quarterly client fee described below for advisory services, you will also pay separate
per-trade transaction charges.

You will pay a monthly or quarterly total client fee, in advance or arrears, based upon the market value of the assets held
in your account as of the last business day of the preceding calendar month or quarter or on the average daily value of your
account of the preceding month or quarter. Your client fees are negotiable and will be debited from your account by our
custodian. If you terminate your participation in this program, you will be entitled to a pro-rata refund of any prepaid
monthly or quarterly client fees based upon the number of days remaining in the month or quarter after the date upon
which the notice of termination is received.

Each of our Advisory Representatives negotiates his or her own client fee schedule.

Mutual funds and ETFs invested in the account have their own internal fees which are separate and distinct from the client
fees (for more information on these fees, see the applicable fund prospectus).

Some Fund fees include 12b-1 fees which are internal distribution fees assessed by the Fund, all or a portion of which are
paid to the distributor(s) of the Funds. The Firm and your Advisory Representative do not retain 12b-1 fees paid by the
Funds.

In certain instances, there is an opportunity to be eligible to purchase certain mutual funds and ETFs without incurring
transaction charges subject to certain conditions. For details, please refer to Item 4 (No Transaction Fee Programs) of the
Advisor Managed Portfolios wrap fee brochure.

For complete fee details, please see the Advisor Managed Portfolios Wrap Fee Program Brochure.

Vision2020             Wealth Management               Platform        - AP Schwab Advisor Managed
Portfolios
AP Schwab Advisor Managed Portfolios exists as an account where no separate transactions charges apply and a single fee
is paid for all advisory services and transactions (“Wrap Account”). This program contains accounts that were assigned to
Osaic Wealth as the result of the merger of American Portfolios Advisors. Inc. into Osaic Wealth in October 2024. It is not
open to new accounts and not offered to any new clients.

AP Schwab Advisor Managed Portfolios also exists with separate advisory fees and transaction charges (“Non-Wrap
Account”). As such, in addition to the monthly or quarterly client fee described below for advisory services, you will also
pay separate per-trade transaction charges.

You will pay a monthly or quarterly client fee, in advance or arrears, based upon the market value of the assets held in your
account as of the last business day of the preceding calendar month or quarter or on the average daily value of your account
of the preceding month or quarter. Your client fees are negotiable and will be debited from your account by Schwab. If you

Osaic Wealth, Inc. IA Brochure – 2026.2                   17                                          Current as of March 31, 2026

terminate your participation in this program, you will be entitled to a pro-rata refund of any prepaid monthly or quarterly
client fees based upon the number of days remaining in the month or quarter after the date upon which the notice of
termination is received.

Each of our Advisory Representatives negotiates his or her own client fee schedule.

Mutual funds and ETFs invested in the account have their own internal fees which are separate and distinct from the client
fees (for more information on these fees, see the applicable fund prospectus).

Some Fund fees include 12b-1 fees which are internal distribution fees assessed by the Fund, all or a portion of which are
paid to the distributor(s) of the Funds. The Firm and your Advisory Representative do not retain 12b-1 fees paid by the
Funds.

In certain instances, there is an opportunity to be eligible to purchase certain mutual funds and ETFs without incurring
transaction charges subject to certain conditions. For details, please refer to Item 4 (No Transaction Fee Programs) of the
AP Schwab Advisor Managed Portfolios Wrap Fee Brochure.

For complete fee details, please see the AP Schwab Advisor Managed Portfolios Wrap Fee Program Brochure.

Vision2020 Wealth Management Platform - IWS Advisor Managed Portfolios
IWS Advisor Managed Portfolios also exists with separate advisory fees and transaction charges (“Non-Wrap Account”). As
such, in addition to the monthly or quarterly client fee described below for advisory services, you will also pay separate
per-trade transaction charges. This program contains accounts that were assigned to Osaic Wealth as the result of the
merger of Osaic FA, Inc. into Osaic Wealth, Inc. in January 2025. This program is only being offered through certain Advisory
Representatives that were previously registered with Osaic FA, Inc.

You will pay a monthly or quarterly client fee, in advance or arrears, based upon the market value of the assets held in your
account as of the last business day of the preceding calendar month or quarter or on the average daily value of your account
of the preceding month or quarter. Your client fees are negotiable and will be debited from your account by Fidelity. If you
terminate your participation in this program, you will be entitled to a pro-rata refund of any prepaid monthly or quarterly
client fees based upon the number of days remaining in the month or quarter after the date upon which the notice of
termination is received.
...

Item 7 - Types of Clients
Our Advisory Representatives provide investment advisory services to:

    •     Individuals (including high net worth individuals)
    •     Banking or thrift institutions
    •     Pension and profit-sharing plans
    •     Trusts
    •     Estates or charitable organizations
    •     Corporations
    •     State and municipal governmental entities
    •     Other business entities

Our minimum account size requirements for opening an account with us are as follows:

 Program                                                       Requirements

 VISION2020 Wealth Management Platform – IWS
 Advisor Managed Program                                       $10,000

 VISION2020 Wealth Management Platform – IWS
 Unified Managed Account Program                               $10,000

                                                               The program minimum for the Advisor Managed
                                                               Portfolios Program Unified Managed Account Program
 VISION2020 Wealth Management Platform –                       is $5,500.
 Advisor Managed Portfolios Program
                                                               The specific minimum varies according to the
                                                               investment product selected.

                                                               The program minimum for the Unified Managed
                                                               Account Program is $5,500.
 VISION2020 Wealth Management Platform –
 Unified Managed Account Program                               The specific minimum varies according to the
                                                               investment manager and asset allocation model selected.

                                                               Each Third-Party Advisory Service sets their own
 Third-Party Advisory Services
                                                               minimums.

 Financial Planning                                            No minimum

 Consulting Services                                           No minimum

 Non-Discretionary Investment Services                         No minimum

 Retirement Plan Consulting                                    No minimum

All account minimums may be waived at the sole discretion of the Program Sponsor.

Osaic Wealth, Inc. IA Brochure – 2026.2                    28                                          Current as of March 31, 2026