Perspective Wealth Advisors LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEE

In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and Perspective Wealth Advisors LLC’s
Investment Advisory Agreement will outline and agree upon the exact costs and other terms related to the
Client’s Accounts.
Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our maximum annual investment advisory fee is 2.00% depending on the size and complexity of
your account. Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by
other investment advisers offering similar services/programs.

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Our annual fee is prorated and charged monthly, in arrears based on the average daily balance of the account.
Cash and cash equivalents, including money market funds, are subject to your advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar month will be charged a prorated fee based on the days the
Client account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of
any account.

LEGACY MANAGEMENT FEE

Managed legacy positions are included within our Firm’s standard investment management fee and are outlined
in the executed investment management agreement.

FINANCIAL PLANNING & CONSULTING FEE

Our Firm provides financial planning and consulting services under a fixed ongoing fee arrangement not to
exceed

$100,000. This arrangement charges a mutually agreed-upon fee for financial planning services.
Fees charged for our financial planning and consulting services are negotiable based upon the type of Client,
the services requested, the investment adviser representative providing advice, the complexity of the Client's
situation, the composition of the Client's account, other advisory services provided, and the relationship of the
Client and the investment adviser representative.
The amount of the fee for your engagement is specified in your financial planning and consulting agreement
with us. At our sole discretion, the Client may be required to pay the fee at the time the agreement is executed
with our Firm; however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client,
six months or more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid
amount is immediately due.
The Client may pay the fees owed for the financial planning services by submitting payment directly via Advice
Pay. If the Client elects to pay by automatic deduction from an existing investment account, they will provide
written authorization to our Firm for such a charge.

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If the Client terminates the financial planning services after entering into an agreement with our Firm, the Client
will be invoiced and responsible for immediate payment of any financial planning and consulting services
performed by us before receiving notice of termination. For financial planning and consulting services, our Firm
performs under a fixed initial ongoing fee arrangement, the Client will be responsible for paying a pro-rated
fixed fee equivalent to the percentage of work that our Firm completed. If there is a remaining balance of any
fees paid in advance after deducting fees from the final invoice, those remaining proceeds will be refunded to
the Client.

INDEPENDENT SUB-ADVISORY & THIRD-PARTY MANAGER SERVICE FEES

A complete description of the SMA and ITPM’s services, fee schedules, and account minimums will be disclosed
in Manager's disclosure brochure, which will be provided to you before or when an agreement for services is
executed, and the account is established. Each third-party investment adviser is required under federal securities
laws to provide their clients, including SMA and ITPM Clients, with a Form ADV Part 2A (“Adviser Brochure” or
“this Brochure”) that includes disclosures, and among other things, the fees charged to their clients.
The actual fee charged to the Client will vary depending on SMA or ITPM. All fees are calculated and collected
by the Manager, who will be responsible for delivering our Firm’s portion of the fee paid by the Client. With
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ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, investment advice, financial planning, consulting and advisement,
and third-party portfolio management to individuals, high-net-worth individuals, families, estates, trusts,
partnerships, retirement plans, corporations, charitable foundations, investment companies, broker-dealer
clients, and pension plans.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.