Royal Oak Financial Advisors LLC

Item 5 – Fees and Compensation
For both Portfolio Management and Retirement Plan Consulting, we charge a management fee
based on a percentage of assets under management in the client’s account. The maximum
annual management fee is 2.00%.
Our management fee is billed quarterly, in advance, meaning that we collect the management
fee at the beginning of the quarter’s billing period. The management fee will be based on the
custodian report account value as of the last business day of the prior quarter. The management
fee is negotiable. Cash balances and investments in money market funds are counted toward
the account value and are included in the management fee calculations. The client will be asked
to authorize us with the ability to deduct our management fee directly from the account.
Our management fee does not include brokerage commissions, transaction fees, or other related
costs and expenses that are normally incurred by the client. Clients may incur certain charges
imposed by custodians, or ETF and mutual fund managers. Clients may also have to pay wire
transfer and electronic fund fees when wiring money to their bank accounts. 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, our fee and
we will not receive any portion of these commissions, fees, and costs. For more information
about our brokerage practice please see Item 12.A.
A client may terminate any service for any reason at any time without any cost or penalty. Upon
notice of termination, the client will receive a prorated refund based on the amount of time
services were rendered during the termination period. For example, if there were 90 days in a
month and the service was cancelled 45 days into the month, the client would receive a 50%
refund (45 divided by 90 equals 50%). Refunds are paid by depositing the unearned fee back into
the client’s custodial account. If the account has already been closed, then refunds are paid by
check.

Royal Oak Financial Advisors, LLC             Page 5                        ADV Part 2A – 8/4/2026

FINANCIAL PLANNING AND RETIREMENT PLAN MONITORING
For our financial planning and retirement plan monitor services, we charge a quarterly fee
between $50 to $200. The total monthly fee depends on the nature and complexity of each
client’s individual circumstances, and it is agreed to at the time of engagement. The fee is
charged at the beginning of each quarter, in advance. The client will be asked to authorize us
with the ability to withdraw the fee directly from an account we manage, or the client may
choose to be billed by invoice for the service. The invoice may be mailed or emailed as chosen
by the client in the advisory contract and due within 15 days of receipt. Finally, the client will
have the option to pay by credit card.
A client may terminate this service for any reason at any time without any cost or penalty. Upon
written notice of termination, the client will receive a prorated refund of any unearned fees
based on the percentage of work completed on the Plan.
OTHER SECURITIES COMPENSATION
We have no other securities compensation to report.
RETIREMENT ROLLOVER CONFLICTS OF INTEREST
When we recommend you rollover a retirement account for us to manage, this creates a financial
incentive because we charge a fee for our services. We attempt to mitigate the conflict of interest
by acting in your best interest and applying an impartial conduct standard to all rollovers. Please
note that you are not under any obligation to roll over a retirement account to an account
managed by us.

Item 7 – Types of Clients
We offer our services to individuals, high net worth individuals, and pension and profit-sharing
plans. We do not require a minimum account size.