Peak Wealth Solutions Inc

ITEM 5 FEES AND COMPENSATION

          Investment Management Fees
          Pursuant to our Firm’s investment advisory agreement, you will be charged a fee that is based on
          a percentage of assets under management. This fee ranges from 0.35% to 1.50% of assets under
          management, and are based on several factors such as the nature of the assets, the services
          provided, and the amount of assets being managed. The fee schedule under which your account
          is charged is contained as part of your Investment Advisory Agreement. Generally, the
          percentage fee decreases as the amount of assets under management increases. The minimum
          household account size is $400,000. We may waive this minimum under limited circumstances.
          Management reserves the right to apply discounts under special circumstances.
          We may allow accounts from the same household to be grouped to meet fee breakpoints. For
          example, accounts may be grouped for clients and their children, for spouses that have individual
          and joint accounts, or for similarly related accounts.
          We are authorized to deduct the advisory fee directly from your account(s) under the
          “Discretionary Accounts Advisory Agreement”; the related fee is disclosed in “Schedule A” of
          the agreement.” Your account(s) will be directly debited, as authorized, at the beginning of each
          calendar quarter, based upon the value of the account on the last business day of the previous
          quarter. The fee will be pro-rated based on the number of days the account is open during the
          period. The account custodian will send you statements monthly showing all payouts from the
          account, including the advisory fee.
          Fees that you pay our firm for investment management services are separate and distinct from
          the fees and expenses charged by mutual funds or exchange trades funds (as described in each
          fund’s prospectus) to their shareholders. These could include 12b-1 fees, surrender charges,
          variable annuity fees, and qualified retirement plan fees. Brokerage fees will be billed to you
          directly from the custodian.

          Security Commission Transactions
          If you desire, you may engage certain Firm advisors as a registered representative of Osaic
          Wealth, a FINRA/SIPC member broker-dealer, to implement investment recommendations on a

Form ADV Part 2A                                           9                                        March 31st, 2026

                                                                                       PEAK WEALTH SOLUTIONS

          commission basis. In the event a client chooses to purchase products through Osaic Wealth, a
          commission and/or servicing fee will be charged.
          By having a relationship with a FINRA member broker-dealer, such as Osaic Wealth, our Firm
          has the ability to service certain investment products that were purchased through other financial
          professionals. This allows us to be more holistic in nature, and put us in a better position to
          advise you on your total financial picture.
          Whenever a commission-based product is sold under a broker-dealer relationship, a conflict of
          interest exists. This conflict of interest exists because a broker might have an incentive to
          recommend one product over another simply because it has a higher commission. It is for this
          reason that we prefer you to engage our Firm in an investment advisory capacity where these
          traditional, broker-dealer based, conflicts of interest do not exist.

          Retirement Plan Consulting Fees

          Retirement Plan Consulting Fees may be based on a percentage of the assets held in the Plan (up
          to 1.00% annually), on an hourly basis (up to $600 per hour), or on a flat rate basis, as negotiated
          between the Plan and the advisor. Fees will be payable to our Firm in advance or in arrears on
          the frequency (e.g., quarterly, monthly, etc.) agreed upon among the client, our Firm, and the
          advisor. If asset-based fees are negotiated, payment generally will be based on the value of the
          Plan assets as of the close of business on the last business day of the period as valued by the
          custodian of the assets. However, if the fee is paid by the Plan or the client through a third-party
          service provider, such fee will be calculated as determined by the provider. If the fee is paid
          prior to the services being provided, the Plan will be entitled to a prorated refund of any prepaid
          fees for services not received upon termination of the client agreement. There may also be a one-
          time installation fee for the implementation or transition of service providers/new platform. The
          first-year fee is intended to cover the additional services (fund selection/mapping, enrollment,
          additional education to committee members and participants, etc.) that the Advisor may provide
          as a result of the implementation or transition and is in addition to the annual fees selected. The
          installation fee will vary on the requirements of the implementation or transition, but will not
          exceed $25,000. The installation fee is negotiable at the discretion of the Advisor.

          Clients may incur fees and charges imposed by third parties other than our Firm and its advisors
          in connection with operating the Plan. These third-party fees can include fund or annuity
          subaccount management fees, 12b-1 fees and administrative servicing fees, plan recordkeeping
          and other service provider fees. Further information regarding charges and fees assessed by a
          fund or annuity are available in the appropriate prospectus.
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ITEM 7 TYPES OF CLIENTS

          We provide financial planning, investment advisory services, and retirement plan consulting
          services to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans,
          and small businesses. Our primary focus is on serving clients who are near or in retirement, to
          ensure that proper planning and investment practices are implemented and managed throughout
          the remainder of their retirement years.

          We recommend a minimum investment of $400,000 for investment management services.
          Related household accounts may be combined to reach this minimum. Occasionally we allow
          exceptions to this requirement. All investment management clients must complete and sign our
          “Discretionary Accounts Advisory Agreement.”