Ram Investment Partners LLC

Item 5. Fees and Compensation

Our standard fee schedule for new clients is as follows:

  Account Value                             Quarterly Fee       Annual Fee*
  From $            0 to $ 1,000,000        .25%                1.00%
  From $ 1,000,001 to $ 3 ,000,000          .20%                0.80%
  From $ 3,000,001 to $ 5,000,000           .15%                0.60%
  From $ 5,000,001 to $10,000,000           .125%               0.50%
  From $ 10,000,001 to $25,000,000          .1000%              0.40%
  From $25,000,001 and up                   .0750%              0.30%

*Annual minimum fee is $10,000, billed quarterly, unless otherwise agreed to.

Existing clients are billed under the management fee terms set forth in the latest management
agreement they have signed. See the section below for management fees on held-away assets.

                                                                    RAM Investment Partners, LLC dba
                                                                                Avier Wealth Advisors
                                                             Disclosure Brochure as of March 17, 2026

Management fees may also be billed on the value of sub-advised assets held in the
True VA variable annuity product offered by Symetra Life Insurance Company, and the
value of variable life policies at TIAA, which is currently billed at the standard billing
rate, charged quarterly.

 •   Advisory fees are billed quarterly in advance, on the first day of the quarter, and
     are based on the value of the account (including cash) at the end of the
     previous quarter.
 •   The fees are charged on a tiered basis, once the minimum fee has been met.
 •   Occasionally, various related client accounts will be grouped together to qualify
     for reduced advisory fees. This format is called “family billing.”
 •   It is the responsibility of our clients to verify the accuracy of the fee calculation.

Adjusted Fee Schedules

Some advisory accounts may be managed at a reduced charge or at no charge.
Advisory fees may also be negotiated based upon the size of the account and the
nature of the services provided.

For New Accounts

 •   Upon execution of our Investment Management Agreement, but prior to receiving assets,
     we charge an initial onboarding fee of $27.50 per day until assets are received into the
     account. Once received, management fees are charged as reflected below:

     o     When a new account is opened, management fees will be pro-rated based
           on the value of the new assets transferred into the account for the first
           partial quarter. The initial calculation period will start with the date that the
           investment process is initiated (upon receipt of account assets) and will end
           on the last trading day of that same quarter.
     o     Should opening assets be received at different times, the pro-rated
           calculation noted above will apply to each set of opening assets
           received.
     o     The management fee calculation for subsequent quarters will follow the
           method described above, based on the account value on the late business
           day of the quarter.

Significant Contributions and withdrawals

                                                                  RAM Investment Partners, LLC dba
                                                                              Avier Wealth Advisors
                                                           Disclosure Brochure as of March 17, 2026

 •   Accounts held in custody at Schwab and Fidelity and are billed on a quarterly
     basis in advance. Pro-rated management fees will be assessed on additional
     significant contributions received or credited on significant withdrawals taken
     during the previous quarter for existing accounts.
 •   We define “significant” as $50,000.
 •   The pro-rated management fees or credit will be posted on the next quarter’s
     billing statement.

Fees charged on assets managed by a non-affiliated sub-adviser

We generally negotiate management fees on your behalf directly with the sub-adviser.
Such fees will be reflected separately from Avier fees on your account statements. The
total fee you pay could be more than the fee charged by the sub-adviser directly.
However, in many instances you may not have direct access to these sub-advisors as
such access may only be available through arrangements we have negotiated directly
with the sub-advisor.

Avier fees are exclusive of custodial brokerage commissions, transactions fees, and
other related costs and expenses (if any) which you will incur. These expenses include
custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, or other fees and taxes on brokerage accounts and
securities transactions. Mutual funds and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. Such charges, fees and
commissions are exclusive of and in addition to Avier’s fee. We do not receive any
portion of these commissions, fees, or costs.

Held-Away Accounts
 •   The annual management fee for this service is the same as the standard billing
     rate as described in the fee table above. It is charged quarterly in advance.
 •   The management fee will be calculated on the market value of the held-away
     accounts on the last trading day of each fiscal or calendar quarter. Fiscal quarters
     are defined as those quarters which end on months other than March, June,
     September, or December. This fee may be calculated in combination with
     management fees on other accounts that Avier manages under a limited power of
     attorney (“family billing”).
 •   The details of this service are contained in our Agreement. Clients initial the
     method of payment and then sign this particular section, acknowledging your full
...

Item 7. Types of clients

We provide investment and financial planning services to individuals and families,
pension and profit-sharing plans, trusts, corporations and other business entities.