RJ Cloud Advisors & Company

Item 5 - Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for investment
management. Each client shall sign an investment advisory agreement that details the responsibilities of
RJCAC and the client.

Account portfolio management

The investment advisory fees are paid quarterly in arrears pursuant to the terms of the investment
advisory agreement. Investment advisory fees are based on the market value of assets under
management at the beginning of each calendar quarter or at the end of each calendar quarter, in
accordance with the fee schedule disclosed within the advisory agreement. Investment advisory fees
range from 1.25% to 0.50% based on the following schedule:

                                Assets Under Management         Annualized Rate

                                $0.00 to $300,000               = 1.25%

                                $301,000 to $1 million          = 1.00%

                                $1,000,001 to $2,500,000        = 0.80%

                                $2,500,001 to $5 million        = 0.65%

                                Above $5 million                = 0.50%

                         FORM ADV PART 2A: FIRM DISCLOSURE BROCHURE
                               R J CLOUD ADVISORS & COMPANY
                                         Effective January 23, 2026

Investment advisory fees in the first quarter service are prorated from the inception date of the account
to the end of the first quarter. The rates listed will be applied to each level of the market value of the
assets under management. All securities held in accounts managed by RJCAC will be independently
valued by the designated custodian. RJCAC will not have the authority or responsibility to value portfolio
securities.

The annual fee for investment management services provided is based upon a percentage of the market
value of assets under management in accordance with the fee schedule in the agreement signed by the
client. RJCAC considers cash to be an asset class and part of assets under management and subject to
the same fee calculation as the client’s noncash investments.

RJCAC's fee is exclusive of and in addition to brokerage fees transaction fees and other related costs and
expenses which may be incurred by the client. However, RJCAC shall not receive any portion of these
commissions, fees, and cost.

RJCAC may offer a fee schedule different from the one listed above based on the complexity of your
circumstances, portfolio holdings, and your relationship with RJCAC.

RJCAC is compensated for its services in arrears for the quarter in which investment advisory services are
rendered. Clients may request to terminate their investment advisory agreement with RJCAC in whole or
in part by providing advance written notice. The client shall be responsible for investment advisory fees
up to and including the effective date of termination.

The client’s investment advisory agreement with the advisor is nontransferable without the client’s
written approval.

RJCAC does not buy or sell securities and does not receive any compensation for securities transactions
in any client account other than the investment advisory fees noted above.

Investment advisory fees will be automatically deducted from the client account by the custodian. RJCAC
shall send the fee amount to the custodian indicating the amount of the fees to be deducted from the
client account at the respective quarter end date. The amount due is calculated by applying the quarterly
rate to the total assets under management with RJCAC at the end of each calendar quarter. Clients will
be provided with a statement from the custodian reflecting deduction of the investment advisory fee. It
is the responsibility of the client to verify the accuracy of the fees as listed on the custodian’s brokerage
statement as the custodian does not assume this responsibility. Clients provide written authorization
permitting RJCAC to be paid directly from their accounts held by the custodian as part of the investment
advisory agreement and separate account forms provided by the custodian.

Other fees and expenses

Clients may incur certain fees or charges imposed by third parties other than RJCAC in connection with
investment investments made on behalf of the client accounts. The client is responsible for all custodial
and securities execution fees charged by the custodian and executing broker dealer. The investment
advisory fee charged by RJCAC is separate and distinct from these custodian execution fees. Clients are
responsible for paying all other related costs and expenses.

                          FORM ADV PART 2A: FIRM DISCLOSURE BROCHURE
                                R J CLOUD ADVISORS & COMPANY
                                         Effective January 23, 2026

In addition, all fees paid to RJCAC for investment advisory services are separate and distinct from
expenses charged by mutual funds and exchange traded funds to their shareholders if applicable. These
fees and expenses are described in each fund's prospectus. These fees and expenses will generally be
used to pay management fees for the funds, other fund expenses, other administration, custody,
brokerage and account reporting, and a possible distribution fee. The client could invest in these
products directly without the services of RJCAC but would not receive the services provided by RJCAC
which are designed among other things to assist the client in determining which products or services are
most appropriate to each client's financial situation and objectives. A core linked client should review
both the fees charged by the funds and the fees charged by RJCAC to fully understand the toll fees to be
paid.

Financial planning

RJCAC offers financial planning as part of its investment advisory services. RJCAC does not charge a
separate fee for this service. RJCAC may provide financial planning services to non- investment advisory
...

Item 7 - Types of clients

RJCAC offers investment advisory services to the following types of clients:

    •   Individuals, personal trusts, and estates - private investors, investing their personal assets.
    •   501C3 nonprofit organizations - mission based, nonprofit organizations.
    •   corporations and businesses - taxable business entities, investing cash reserves.

RJCAC does not impose a minimum account size for establishing a relationship.