Root Financial Partners LLC

Item 5: Fees and Compensation

The investment advisory contract entered into with Root may be terminated by the client within
five (5) business days of signing the contract without penalty, and with a full refund of any fees
paid. The manner in which Root is compensated depends on the type of advisory service
provided. Please review the fee and compensation information below.

Investment Management Services

Client relationships are subject to a minimum annual advisory fee of $10,000. If the advisory fees
calculated under the firm’s standard asset-based fee schedule total less than $10,000 on an
annualized basis, the minimum fee will apply. The minimum annual advisory fee applies once the
advisory relationship is established, unless otherwise agreed to in writing.

For clients whose billable assets do not generate fees that meet the minimum, one of the following
billing methods will be selected at the start of the relationship:

   1.​ Monthly Account Billing (Default): The minimum fee is billed in arrears, prorated monthly, and
       deducted from managed accounts.
   2.​ Direct Invoicing: The minimum fee is billed quarterly, in advance, via manual invoice to the
       client.

Unless direct invoicing is specifically elected during onboarding, monthly billing from managed
accounts will apply by default. Once the client’s calculated advisory fees exceed the $10,000
minimum on an annualized basis, billing will automatically convert to the firm’s standard method,
monthly in arrears via account debit, and direct invoicing will be discontinued. No amendment to the
advisory agreement will be required. This conversion will occur only as permitted under the terms of
the advisory agreement

In cases where asset-based billing is not available and the scope of planning materially exceeds that
of a standard advisory relationship, the firm may recommend engagement under its flat-fee
planning model. In such instances, a separate agreement will outline the applicable flat fee and
scope of services.

Our standard advisory fee is based on the market value of the assets under management and is
calculated as follows:

                    Account Value                              Annual Advisory Fee

                   $0 - $1,000,000                                     1.00%
               $1,000,001 - $5,000,000                                 0.75%

              $5,000,001 - $10,000,000                                 0.50%
              $10,000,001 - $25,000,000                                0.40%
             $25,000,001 - $50,000,000                                 0.30%
             $50,000,001 - $100,000,000                                0.25%

               $100,000,001 and Above                                  0.20%

The annual fees are pro-rated and charged in arrears on a monthly basis. The monthly advisory fee is
based upon the average daily account value of the previous month, and is a blended fee that is
calculated by assessing the percentage rates using the account values as shown in the above chart;
this results in a combined weighted fee. For example, an account valued at $5,000,000 would pay an
annual effective blended fee of approximately 0.80%. Fees are adjusted for intra-month cash flows
and prorated using calendar days. Terminated accounts are refunded on a daily-prorated basis.

Certain legacy clients and family members of Root associates may pay different fees on alternate
billing cycles. No increase in the annual fee shall be effective without agreement from the client by
signing a new agreement or amendment to their current advisory agreement.                      Such fee
arrangements are negotiated on an individual basis and are not discriminatory in nature.

When Root recommends the use of a sub-adviser, clients will be responsible for paying both Root’s
advisory fee and the sub-adviser’s fee. These fees are separate and distinct. Root does not receive
any portion of the sub-adviser’s fee. The sub-adviser’s compensation, billing practices, and
applicable minimums will be disclosed in their Form ADV Part 2A, which will be provided to clients
prior to engagement. Root’s fee for ongoing advisory services is described above and will be fully
disclosed in the client agreement. All fees will be discussed with and agreed to by the client in
advance.

Advisory fees are directly debited from client accounts, with exceptions at Root's discretion. For legacy
quarterly clients, accounts initiated or terminated during a calendar quarter will be charged a
prorated fee based on the amount of time remaining in the billing period.  For monthly arrears clients,
fees will be charged up to date of notice. An account may be terminated with written notice at least

15 calendar days in advance. Upon termination of the account, any unearned fee will be refunded to
the client.  Comprehensive Financial Planning is included with this Service.

When Root recommends the use of third-party investment managers or separately managed
account strategies, clients are responsible for paying both Root’s advisory fee and the fees charged
by the third-party manager. Such fees are separate and in addition to Root’s advisory fee. Any
applicable manager fees, minimums, and billing practices will be disclosed in the manager’s Form
ADV or other applicable disclosure documents provided to the client prior to engagement. Root does
not receive compensation from these third-party managers.

In certain cases involving specialized or derivative-based strategies, fees charged by a third-party
manager may be calculated based on factors other than the client’s traditional account value,
including notional exposure, strategy size, or expected value at expiration. As a result, such fees may
be based on an amount greater than the client’s invested capital. Such fees may be deducted
directly from the client’s brokerage account by the third-party manager or custodian, where
authorized.
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Item 7: Types of Clients

Root provides financial planning and portfolio management services to individuals, high
net-worth individuals, pension and profit-sharing plans, charitable organizations, trusts,
estates, and small businesses.