Sandeep Varma Wealth Strategies LLC

ITEM 5: FEES AND COMPENSATION

A. Compensation for Financial Planning Services

1. Fees for Financial Planning Services
ATSWM typically charges a fixed fee for its financial planning services. Generally, the Firm’s minimum
fixed fee is $500, however the Firm may choose to waive or alter this fee based on the scope and
complexity of the requested services, as stipulated in the client agreement. Customized proposals are
available upon request. Under certain circumstances, ATSWM may offer financial planning services for
an hourly rate negotiated with each client, but which typically is between $250-$450 per hour. The
hourly rate and the flat fee may be negotiated or waived in the sole discretion of ATSWM.

Clients are generally requested to pay 50% of the estimated fee upon execution of the client agreement.
An invoice for services is issued on completion of the financial plan, which is payable upon receipt.

        a. General Information Relating to Financial Planning Fees
As further explained below, all fees paid to ATSWM for Financial Planning Services are separate and
distinct from the brokerage, investment advisory and insurance fees and expenses charged by the
underlying product or service recommended. Should a client elect to implement those
recommendations contained in their financial plan, the client will be subject to advisory fees, brokerage
fees, and/or other transaction costs. Please refer to Item 5.B., 5.C. and Item 12 for more information on
fees clients may be responsible for.

Financial Planning Services fees are subject to negotiation in ATSWM’s sole discretion. In addition, there
can be no assurance that ATSWM’s Financial Planning Services or any product recommendations
contained in the financial plan are at the lowest available cost.

B. Compensation for Asset Management Services
For Asset Management and Managed Variable Annuity Services, ATSWM bills clients monthly, in arrears,
a fee in accordance with the below fee schedule, which is paid by the client at the beginning of each
calendar month for the preceding calendar month. Billable account values are calculated using the
average daily balance method for the billable month. Under certain limited conditions (such as for
friends and family of the firm), ATSWM may, in its sole discretion, choose to reduce or waive its fees.

ATS Wealth Management
February 24, 2026
Form ADV Part 2A

Annual Fee Tiered Schedule*

                               Household Size                Annual Fees
                               $0 - $250,000                 1.45%
                               $250,000 - $500,000           1.40%
                               $500,001 - $750,000           1.35%
                               $750,001 - $1,000,000         1.30%
                               $1,000,001 - $1,500,000       1.25%
                               $1,500,001 - $2,000,000       1.15%
                               $2,000,001 - $4,000,000       1.00%
                               $4,000,001 - $6,000,000       0.85%
                               $6,000,001 - $10,000,000      0.70%
                               $10,000,001 and Above         0.50% (Negotiable)

*Based on various circumstances, the fees charged for certain clients may be negotiable.

Example:
If ATSWM is managing $1,500,000 of assets for client’s household, $250,000 @ 1.45% plus $500,000 @
1.40% plus $750,000 @ 1.35%; the total fee would equal an annualized 1.38%.

For the first billing cycle, the asset management fees will be prorated based on the number of days that
the Client’s account is open during the month. In the event that services are terminated mid-month, the
annual fee shall be prorated through the date of termination and any earned, unpaid balance will be
immediately due and payable by client.

If requested by the client in writing, ATSWM may, in its sole discretion, invoice the client directly for its
investment management fees. In such instances, payment is due immediately by the client upon receipt
of the invoice.

Not less than quarterly, the client’s custodian will provide a statement reflecting the portfolio’s holdings
and previous transactions including ATSWM’s asset management fee.

Client should be aware that those clients who transfer accounts from Avantax Investment ServicesSM to
ATSWM for investment management services are generally charged fees historically assessed by
Avantax Investment ServicesSM. These fees may be higheror lower than the fee schedule disclosed
above. The exact fees such clients are charged will be includedas part of the client’s Agreement with
ATSWM.

C. General Information on ATSWM’s Compensation and Fees

As mentioned above, dependent upon the needs of the client, the Firm will at times utilize margin in
client accounts. When utilizing margin strategies as part of a client’s portfolio account, the Firm uses
the “net asset value” of the client’s margin accounts for determining fees. Thus, fees are only charged

ATS Wealth Management
February 24, 2026
Form ADV Part 2A
on the amount of assets in the underlying client account, not the margin portion of the account. For
example, in an account where there shows $100K in equities, but $25K is attributable to margin, only
$75K will be included when determining fees.

As noted above, certain ATSWM representatives, including Sandeep Varma, are RRs and IARs of Avantax
Investment ServicesSM.

When serving as RRs, Mr. Varma and such other representatives, in addition to implementing certain
financial planning recommendations could place its investment advisory clients in products sold through
Avantax Investment ServicesSM and receive a usual and customary commissions and advisory fees for
doing so.

Mr. Varma (CA life, long-term care, health, disability, variable life and variable annuities license #
0790710) and other ATSWM representatives, are also licensed insurance agents with various insurance
...

ITEM 7: TYPES OF CLIENTS

A. Description
ATSWM provides its services to individuals, high net worth individuals, charitable organization,
corporations and other businesses, trusts, estates and other clientele primarily throughout California.

B. Conditions for Managing Accounts

ATS Wealth Management
February 24, 2026
Form ADV Part 2A
ATSWM generally requires a minimum portfolio size or a minimum initial investment of $50,000 to open
an account, but does reserve the right to waive this minimum and also accept or decline a potential
client for any reason in its sole discretion. Prior to engaging ATSWM to provide Financial Planning and/or
Asset Management Services, the client is required to enter into a written agreement with ATSWM
setting forth the terms and conditions under which the Firm will render its services.