Ruggaard & Associates LLC

Item 5​    Fees and Compensation

Fees for investment management services are generally directly debited from a client's
investment account with client authorization, or may be paid by check.

                          INVESTMENT SUPERVISORY SERVICES ("ISS")
                          INDIVIDUAL PORTFOLIO MANAGEMENT FEES

Our annual fees for individual portfolio management are based upon a percentage of assets
under management and range from 0.80%-1.00% depending on several factors, and are
payable quarterly in advance based on the client’s assets under our management as of the
last day of the prior calendar quarter. Pre-existing clients may be grandfathered and may be
subject to a different fee schedule that was in effect at the time the client entered into the
advisory agreement with Ruggaard & Associates LLC.

                          INVESTMENT SUPERVISORY SERVICES ("ISS")
                           RETIREMENT ACCOUNT MANAGEMENT FEES

Our annual fees for managing an individual client's retirement account (such as a 401(k) or
403(b) account) are 0.40%, payable quarterly in advance based on the client’s assets under
our management as of the last day of the prior calendar quarter.

                         INVESTMENT SUPERVISORY SERVICES ("ISS")
                       CORPORATE SPONSORED RETIREMENT ADVISORY

Our annual fees for individual portfolio management are based upon a percentage of assets
under management and generally range from 0.50% to 1.00%, payable quarterly in advance.

                                   FINANCIAL PLANNING FEES

Ruggaard & Associates, LLC's Financial Planning fees are determined based on the nature of
the services being provided and the complexity of each client's circumstances. Our fees are
based on an hourly billing rate of $100.00 to $200.00/hour depending on the experience and
level of the personnel assigned, and are due upon completion of the financial plan.

                          TAX PREPARATION AND TAX PLANNING FEES

Ruggaard & Associates, LLC's fees are based on hourly billing rates from $100.00 to
$200.00/hour depending on the experience and level of the personnel assigned.

Item 7​    Types of Clients
Ruggaard & Associates, LLC provides advisory services to the following types of clients:

•​ Individuals (other than high net worth individuals)

•​ High net worth individuals

•​ Pension and profit sharing plans (other than plan participants)

•​ Other

Our minimum account value requirement is $100,000, subject to negotiation with the client at
our sole discretion. Alternatively, clients that do not meet this account size minimum may
alternatively elect to pay a minimum annual fee of $800.

                                   Date of Brochure: March 30, 2026