Principled Wealth Advisors LLC

Item 5 – Fees and Compensation
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 arrangements. The Client and Principled Wealth Advisors’ Investment
Advisory Agreement will outline and agree upon the exact costs and other terms related to the Client’s
Accounts.

INVESTMENT MANAGEMENT FEE
Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our maximum annual advisory fee is 1.0%, and we have a minimum account size of $250,000.
We retain the right to waive the minimum account size at our discretion.

We believe 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.

Our annual fee is prorated and charged monthly or quarterly, in advance or arrears, based on the ending
market value or average daily balance of the Client’s assets under management as of the close of business on
the last business day of the previous month or quarter.

When assets are maintained within a third-party sponsored wrap fee program, advisory fees, billing frequency
(advance or arrears), valuation methodology, and refund policies are determined by the wrap sponsor and
governed by the applicable wrap fee brochure and program agreement.

Cash and cash equivalents, including money market funds, are subject to the agreed-upon 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 the Client’s account and paid directly to our Firm by the
qualified Custodian(s) of the Client’s account. The Client will authorize the Client’s 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. The Client should review the Client’s 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, the Client 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 month. Any prepaid, unearned fees will be refunded upon
termination of any account.

Unless identified below under a different service offering, advisory fees shall be subject to the maximum
outlined under this provision. PWA may negotiate this fee at their discretion. Some accounts will qualify for a
lower advisory fee as determined by PWA.

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 Fee
Our Firm provides standalone financial planning services under a flat fee arrangement. This arrangement
charges a mutually agreed-upon fee for financial planning services. The range for a standalone financial plan
typically ranges from $2,000 to $30,000 based on the scope and complexity of the plan.

Fees charged for our financial planning 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 fee for the Client’s engagement is specified in the Client’s financial planning 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 a
payment processor, check, or by deducting the fee from an existing investment account. 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.

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 services performed by the
Firm before receiving notice of termination.

Consulting Services and Assets Under Advisement Fee
Our Firm provides consulting services based on a flat fee based on the scope and complexity of the project.
Fees charged for consulting services are negotiable based on the type of Client, the services requested, the
investment adviser representative providing advice, the complexity of the Client's situation, the composition of
...

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 and families, trusts, partnerships,
retirement plans, corporations, and foundations.

Our Firm requires a minimum account value of $250,000 for advisory services. Clients have the option to
aggregate all household accounts to meet this minimum. Exceptions to the minimum account requirement
may be granted based on the Client's relationship with their representative.

For fee calculation purposes, unless instructed or identified otherwise, we may aggregate related Client
accounts, a practice commonly known as "householding" portfolios. Householding may result in lower fees than
if each account were billed separately, as the combined value is used to determine the account size and the
corresponding annualized fee.

Our approach to householding considers the overall family dynamic and relationship. Additionally, if
applicable, and as noted in the Investment Management Agreement, legacy positions may be excluded from
the fee calculation.

Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.