Serenity Investment Advisors LLC

Item 5 Fees and Compensation

Asset Management Fee
Pursuant to an investment advisory contract signed by each client, the client will pay Serenity an
annual management fee, payable monthly in advance, based on the value of portfolio assets of the

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account at the opening of the quarter. New account fees will be prorated from the inception of the
account to the end of the first quarter. Legacy clients will continue to be billed quarterly, and will
move to monthly billing beginning in January of 2026.

                  Assets Under Management                Annual Fee
                 $0 - $249,999                            1.50%
                 $250,000 - $9,999,999                    1.00%
                 $1,000,000 - $3,999,999                  0.75%
                 $4,000,000 - $7,999,999                  0.50%
                 $8,000,000 +                             0.25%

These fees may be negotiated at the sole discretion of the Advisor. Asset management fees will
be directly deducted from the client account on a monthly basis, for new clients, by the qualified
custodian. The client will give written authorization permitting the Advisor to be paid directly
from their account held by the custodian. The custodian will send a statement of the same
frequency as fee deductions. Where it is not practical to deduct fees from client accounts, client
will be sent an invoice of the same frequency as fee billing for any outstanding advisory fees due.

Pension Consulting Fee
Plan Sponsor will pay the Advisor an annual consulting fee as compensation for its services, at an
annual fixed rate based on the size of the Plan shown in the table below. The consulting fee is
payable quarterly in advance. The consulting fee in the first quarter of the Agreement shall be
prorated from the inception date to the end of the quarter. The Advisor shall invoice the Plan
Sponsor for the consulting fee. The Plan Sponsor may, at its election, submit invoices for this
consulting fee to the custodian of the Plan's assets for payment. The Plan Sponsor agrees to
payment of these invoices, whether directly from the Plan Sponsor or from the Plan's custodian,
promptly, and, under normal circumstances, by the end of the month in which the invoice is
submitted. The consulting fee is negotiable. There is no pre-payment of annual fees.

                     Plan Assets Under Management               Annual Fee
                     Less than $5 million                         $15,000
                     $5 million to $15 million                    $25,000
                     $15 million to $25 million                   $40,000
                     Over $25 million                          As Negotiated

Fixed Fees
Serenity will charge a fixed fee for comprehensive financial planning services ranging from $2,500
to $10,000 annually as contracted for with client in advance. Fixed fees may be negotiated in
advance based at the discretion of the Advisor. Fixed fee-based clients are billed either in advance
or on a monthly basis upon completion of work performed.

For each of the Advisor's services described above, if this Form ADV Part 2A Brochure was not
delivered to the client at least 48 hours prior to the client entering into any written or oral advisory

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contract with the Advisor, then the client has the right to terminate the contract without penalty
within five business days after entering into the contract.

All fees paid to Serenity for investment advisory services are separate and distinct from the
expenses charged by mutual funds to their shareholders. These fees and expenses are described in
each fund’s prospectus. These fees will generally include a management fee and other fund
expenses.

At no time will Serenity accept or maintain custody of a client’s funds or securities except for
authorized fee deduction. Client is responsible for all custodial and securities execution fees
charged by the custodian and executing broker-dealer. The Advisor’s fee is separate and distinct
from the custodian and execution fees.

Serenity’s management fee is payable in advance. Upon termination, any fees paid in advance will
be prorated to the date of termination and any unearned fees will be refunded to client.

Investment management clients with over $250,000 of assets managed by us may be referred to
outside professionals or our tax affiliate, Serenity Tax and Accounting, if we deem to be
appropriate for the client’s needs, and we will cover the cost of these services for these clients.
You are at no time required to utilize this service. This creates a conflict of interest because it
incentivizes our clients to increase AUM in order to obtain this benefit. This is mitigated by our
fiduciary duty to you. You are encouraged to review other options for tax preparation and/or estate
planning services as this is offered merely as a convenient perk to our clients and not intended to
imply suitability for our clients.

Where acting in the capacity of an insurance agent, investment advisor representatives (IARs) of
Serenity may as agent effect insurance transactions for typical and customary compensation. This
practice presents a conflict of interest by creating an incentive to recommend investment products
based on the compensation received, rather than on a client’s needs. Clients of Serenity are not
required to utilize the IARs in their capacity as insurance agents for the purchase of investment
products. Serenity has established a Code of Ethics to address conflicts of interest. See the
response to Item 11 below for more information on the Code of Ethics. A client may be able to
invest in products recommended by the firm directly, without the services of Serenity. In that
case, the client would not receive the services provided by Serenity which are designed, among
...

Item 7 Types of Clients

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The Advisor will offer its services to individuals, pension and profit-sharing plans, trusts, estates,
charitable organizations, and corporations or other business entities.

The Advisor does not have any minimum requirements for opening or maintaining an account.