Pacific Peak Advisors LLC

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
The Firm charges a fee as compensation for providing Investment Management services on your account. These
services include advisory, trade entry, investment supervision, and other account-maintenance activities. Also
refer to Additional Fees and Expenses below for additional details regarding fees.

Investment advisory fees of PPA are charged based on a percentage of assets under management, billed in arrears
(at the end of the billing period) on a quarterly basis, and calculated based on the value of the Account on the last
business day of the prior quarter. If services commenced in the middle of the billing period, then the prorated fee
for that billing period and any fees due to the Firm will be deducted from the Client’s account. The Firm’s annual
fees will not exceed 1.00%. Fees are billed as defined in the Client Investment Advisory Agreement. Billing will
begin after the account has funded.

Although the Firm has established a maximum annual fee as stated above, we retain the discretion to negotiate
alternative fees on a Client-by-Client basis. Client facts, circumstances and needs are considered in determining
the fee schedule. These factors include the complexity of the Client, assets to be placed under management,
anticipated future additional assets, related accounts, portfolio style, account composition, reports, among others.
Fees are assessed on all assets under management, including securities, cash and money market balances. When
invested in a managed model there is typically a small percentage invested in cash as part of that model (i.e., 1%).
That “cash” will be included in the AUM fee. Cash held in other types of accounts, such as a stand-alone money
market, a “contribution distribution sleeve” or “non-managed” account (used for purposes of scheduled
distributions or flexibility of withdrawals) is not included in the fee.

Unless otherwise instructed by the Client, we will aggregate asset amounts in accounts from your same household
together to determine the advisory fee for all your accounts. We would do this, for example, where we also service
accounts on behalf of your minor children, individual and joint accounts for a spouse, and/or other types of related
accounts. This consolidation practice is designed to allow you the benefit of an increased asset total, which could
cause your account(s) to be assessed a lower advisory fee.

The independent qualified custodian holding your funds and securities will debit your account directly for the
advisory fee and pay that fee to us. You will provide written authorization permitting the fees to be paid directly
from your account held by the qualified custodian. Further, the qualified custodian agrees to deliver an account
statement at least quarterly directly to you indicating all the amounts deducted from the account including our
advisory fees. You are encouraged to review your account statements for accuracy.

Either our Firm or you may terminate the management agreement immediately upon written notice to the other
party. The management fee will be pro-rated to the date of termination, for the month in which the cancellation

 PACIFIC PEAK ADVISORS, LLC
 JUNE 2026 | PAGE 6

notice was given and billed to your account. Upon termination, you are responsible for monitoring the securities
in your account, and we will have no further obligation to act or advise with respect to those assets. In the event
of Client’s death or disability, our Firm will continue management of the account until we are notified of Client’s
death or disability. Once notified, the account will be restricted until alternative instructions are received from an
authorized party.

We will not require prepayment of more than $1,200 in fees per Client, six (6) or more months in advance of
providing any services. In no case are our fees based on, or related to, the performance of your funds or
investments.

Financial Planning Fees
For Clients engaged in our investment management services, our financial planning services are included in
advisory fees described above.

Other Additional Fees
Advisory Fees in General: Clients should note that similar advisory services may (or may not) be available from
other registered (or unregistered) investment advisers for similar or lower fees. In addition to the advisory fees
paid to our Firm, Clients also incur certain charges imposed by other third parties, such as broker-dealers,
custodians, trust companies, banks, and other financial institutions (collectively “Financial Institutions”). These
additional charges include custodial fees, charges imposed by a mutual fund or ETF in a Client’s account, as
disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges,
odd-lot differentials, regulatory fees assessed by the SEC and/or FINRA, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Our brokerage
practices are described at length in Item 12, below.

Mutual Fund Fees: When purchasing mutual funds, our policy is to select institutional share classes whenever
possible. The institutional share class generally has the lowest expense ratio relative to other classes. Mutual fund
expense ratios are in addition to our fee, and we do not receive any portion of these charges. If an institutional
share class is not available, or is not the optimal solution given trading frequency, the advisor will purchase the
least expensive share class available. As share classes with lower expense ratios become available, we may convert
the existing mutual fund position to the lower cost share class.

Regulatory Fees: To facilitate the execution of trades, regulatory Trading Activity Fees (TAF) are added to
applicable sales transactions. The Securities and Exchange Commission (SEC) regulatory fee is assessed on Client
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ITEM 7 - TYPES OF CLIENTS
Our Firm works with the following types of Clients: individuals, high net-worth individuals, families, corporations,
estates and trusts.

We do require a minimum net worth of $500,000 to initiate our Firm’s advisory and money management services,
however, this may be waived as deemed appropriate by the Firm.