Peak Capital Management LLC

Item 5 - Fees and Compensation

             Form ADV Part 2A – Peak Capital Management LLC                                               2026

Advisory Fees
Generally, PCM is compensated for its services with a fee based on assets under management, which
generally include securities and cash, paid quarterly in advance. Annualized fees generally range from 60
basis points or .6% to 100 basis points or 1% of assets under management or advisement based on the level of
assets under management or advisement and other considerations. All fees are subject to negotiation. In order
to effectively execute its investment strategies PCM requires a minimum investment of $500,000. In certain
situations, PCM may waive this minimum.

Some custodians do not facilitate billing in advance, and as a result, clients whose assets are held at such
custodians will be billed in arrears. For example, for clients whose assets are held at SEI, PCM is
compensated for its services with an asset-based fee, paid quarterly in arrears.

Sub-Advisory Services
PCM is compensated via third-party investment advisors as a portion of a percentage of assets under
management (AUM) paid by their client for sub-advisory services. Fees paid to PCM by other advisors are
generally 25 basis points on an annualized basis but can go up to 55 basis points with certain strategies.

PCM services as a provider of research and/or trade signals to certain third-party investment advisors. Its fee
for such services generally ranges from 10 basis points to 35 basis points billed quarterly on an annualized
basis.

Financial Planning
The fees for financial planning are billed at a flat rate based on the extent and nature of the plan. Typically,
fees for financial planning range from $500 to $15,000 based on the complexity of the services to be rendered
and/or written financial plan. These services are provided under a separate agreement outlining the scope of
the services, fees agreed upon and terms/conditions.

How Fees are Paid

Investment Management
The custodian that holds a particular clients’ assets can determine the procedure by which PCM may deduct
fees from such account. On a quarterly basis, each client billing group’s assets are measured relative to the
fee schedule. Quarterly fees will be calculated and applied each quarter based on the billing group balance.

For clients whose assets are held at Charles Schwab, fees are automatically deducted from account balances
on the first business day of each quarter, billed in advance, based on the assets under management on the last
trading day of the prior quarter. Fees are calculated by multiplying the Client’s account value as of the last
day of the previous quarter by the Annual Fee Percentage stated on the Investment Management Agreement,
divided by 4.

For clients whose assets are held at SEI, fees are automatically deducted from account balances on the last
business day of each quarter, billed in arrears, based on the assets under management on the last trading day
of the current quarter. Fees for these clients are calculated by multiplying the Client’s account value as of the
last day of the current quarter by the Annual Fee Percentage stated on the Investment Management
Agreement, divided by 4.

For assets held outside the custodian (typically private fund holdings), valuations reported by the fund
manager are used to determine the account value multiplied by the annual fee percentage divided by 4 and
billed in arrears each quarter.

              Form ADV Part 2A – Peak Capital Management LLC                                                  2026

PCMs clients receive itemization of fees paid via the custodian-provided statements. Clients also receive, at
least quarterly, statements from the custodian showing all disbursements and advisory fees.

Financial Planning
This fee will be payable, in full, when the Client receives the final version of their financial plan.

Other Fees/Expenses

PCM’s 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 advisors 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 ETFs also charge internal
management fees, which are disclosed in each funds’ prospectus/disclosure document. Such charges, fees and
commissions are exclusive of and in addition to PCM’s fee, and PCM shall not receive any portion of these
commissions, fees, and costs.

Advice offered by PCM may involve investment in mutual funds. Load and no-load mutual funds may pay
annual distribution charges, sometimes referred to as 12b-1 fees, named after the statutory section authorizing
such payments. These 12b-1 fees may be paid to the account custodian but are never transmitted to PCM.
Recommendations made by PCM and its Investment Advisor Representatives (IARs) are designed to be
consistent with the best interest of the client.

Please see Item 12 for further description of the factors that PCM considers in selecting or recommending
custodians for client transactions and determining the reasonableness of their compensation (e.g., transaction
costs).

Termination

Investment Management
PCM will refund to the client any unearned fees within five (5) business days of receipt, in writing, of the
desire to terminate the Investment Management and Fee Agreement. Fees will be determined on a prorated
basis. The client may terminate the Investment Management and Fee Agreement without penalty within five
(5) business days of signing the Agreement. Business days do not include federally recognized holidays.

Sub-Advisory Services
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Item 7 - Types of Clients
Type of Clients

PCM provides portfolio management services to individuals, high net worth individuals, pension and profit-
sharing plans, charitable institutions, foundations, endowments, trust programs, third- party investment
advisors and corporations and other businesses.

Account Minimums

In order to effectively execute its investment strategies, PCM requires a minimum investment of
$500,000. In certain situations, PCM may waive the investment minimum.

Pension & Retirement Plans

If a managed account(s) is for (1) a pension or other qualified employee benefit plan, including a 401(k) plan,
governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”); (2) a tax-
qualified retirement plan under section 401(a) of the Internal Revenue Code of 1986, as amended (the
“Code”), and not covered by ERISA; or (3) an Individual Retirement Account (“IRA”) under section 408 of
the Code, then PCM assumes fiduciary status to the extent required by applicable law. In the case of IRA
clients, PCM and the client may enter into different agreements regarding PCM’s fiduciary status for the
purposes of ERISA. Customarily, where PCM manages a discretionary account, it will assume the role of
Investment Manager as defined in Section 3(38) of ERISA.