Pineridge Advisors LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
FYRA charges a fee as compensation for providing Investment Management services on
your account. These services include advisory and consulting services, trade entry,
investment supervision, and other account-maintenance activities. Our recommended
custodian charges transaction costs, custodial fees, redemption fees, retirement plan and
administrative fees or commissions. See Additional Fees and Expenses below for additional
details.
The fees for portfolio management are based on an annual percentage of assets under
management and are applied to the account asset value on a pro-rata basis. Fees are billed
monthly in arrears based on the average daily balance of the account(s) under our Firm’s
management. Unless otherwise agreed upon and stated in the Investment Management
Agreement, fees are assessed on all assets under management, including securities, cash

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and money market balances. When applicable and noted in the Investment Management
Agreement, legacy positions can be excluded from the fee calculation.
Our maximum annual advisory fee is for accounts paying a percentage of assets under
management is 2.00% and the specific advisory fees are set forth in your Investment
Advisory Agreement. Fixed Fees range from $500-$25,000 annually. Fees may vary based
on the size of the account, complexity of the portfolio, extent of activity in the account or
other reasons agreed upon by us and you as the client. In certain circumstances, our fees
and the timing of the fee payments may be negotiated. Our employees and their family
related accounts are charged a reduced fee for our services.
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 monthly directly to you indicating all the amounts deducted from the account
including our advisory fees. At our discretion, our Firm will allow advisory fees to be paid
by check as indicated in the Investment Advisory Agreement. You are encouraged to review
your account statements for accuracy.
Either FYRA 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 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, FYRA will continue management of the account until we are
notified of client’s death or disability and given alternative instructions by an authorized
party.

FINANCIAL PLANNING FEES
Our Firm offers financial planning services for a separate fee. In this circumstance, we will
negotiate the planning fees with you. Fees may vary based on the extent and complexity
of your individual or family circumstances and the amount of your assets under our
management. Our fee will be agreed in advance of services being performed. The fee will

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be determined based on factors including the complexity of your financial situation, agreed
upon deliverables, and whether you intend to implement any recommendations through
FYRA. Financial Planning fees are fixed fees only and range from $500 to $10,000. The
specific fixed fee for your financial plan is specified in your planning agreement with FYRA.
Typically, we complete a plan within a month and will present it to you within 90 days of
the contract date, if you have provided us all information needed to prepare the financial
plan. Fees are billed and payable at the time the financial plan is delivered to you.
If you choose to terminate the financial planning agreement by providing us with written
notice. Upon termination, fees will be prorated to the date of termination and any earned
portion of the fee will be billed to you based on the hours that our firm has spent on
creating your financial plan prior to termination. The hourly rate used for this purpose is
$250/hour. The hourly rate would be stated in your executed Financial Planning
Agreement.
We will not require prepayment of more than $1200 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.

SUB-ADVISOR FEES
As discussed in Item 4 above, there will be occasions where an independent Registered
Investment Advisory firm acts as a sub-advisor to our Firm. In those circumstances, the
other investment advisor manages the assets based upon the parameters provided by our
Firm. Our Firm collects the client advisory fee as described above and then pays out the
sub advisor a portion of advisory fee based on the assets under management for such
services as outlined in the Agreement between our Firm and the sub-advisor.

RETIREMENT PLAN SERVICES
For Retirement Plan Advisory Services compensation, we charge an advisory fee as
negotiated with the Plan Sponsor and as disclosed in the Employer Sponsored Retirement
...

ITEM 7 - TYPES OF CLIENTS

Our Firm works with the following types of clients: individuals, high net-worth individuals,
foundations, employer sponsored retirement plans, charitable organizations, institutions,
trusts and estates. We do not impose a minimum account value to initiate our Firm’s
advisory and money management services.