SOA Wealth Advisors LLC

Item 5 Fees and Compensation
Financial Planning Fees
Financial planning services are generally provided for a fixed annual fee, payable monthly in advance. Our
financial planning fee will be specified in our client agreement with you. The fee, which may be as much
as $60,000 per year, is determined on an individualized basis, is negotiable and in some cases may be
waived or combined with our investment management fee. Arrangements can be made to deduct the
financial planning fee from another account (i.e. pay the fee for a retirement account from a non-
retirement account, or to have the fee paid directly to SOAWM.

Wrap Fee Program
For information about our investment management fees, please refer to our Wrap Fee Program Brochure.

Focus Risk Solutions
We help our clients obtain certain insurance solutions by introducing clients to our affiliate, Focus Risk
Solutions, LLC (“FRS”), a wholly owned subsidiary of our parent company, Focus Financial Partners, LLC.
FRS assists our clients with regulated insurance sales activity by advising our clients on insurance matters
and placing insurance products for them and/or referring our clients to certain third-party insurance
brokers (the “Brokers”), with whom FRS has agreements, which either separately or together with FRS
place insurance products for them. If FRS places an insurance product or refers one of our clients to a
Broker and there is a subsequent purchase of insurance through the Broker, then FRS will receive a portion
of the upfront and/or ongoing commissions associated with the sale by the insurance carrier with which
the policy was placed. The amount of revenue earned by FRS for the sale of these insurance products will
vary over time in response to market conditions and will also differ based on the type of insurance product
sold and which Broker placed the policy. The amount of insurance commission revenue earned by FRS is
considered for purposes of determining the amount of additional compensation that certain of our
financial professionals are entitled to receive. Additionally, in exchange for allowing certain of the Brokers
to participate in the FRS platform and, thereby, to offer their services to our clients and certain of our
affiliates’ clients, FRS receives periodic fees (the “Platform Fees”) from such Brokers. The Platform Fees
are expected to change over time. Such Platform Fees are revenue for FRS and, ultimately, for our
common parent company, Focus, but we do not share in such revenue. FRS also indirectly benefits from
our clients’ use of the services insofar as such use incentivizes the Brokers to maintain their relationship
with FRS and to continue paying Platform Fees to FRS, which could also support increases in the overall
amount of the Platform Fee rates in the future. Further information on this conflict of interest is available
in Item 10 of this Brochure.

Held Away Accounts
For certain clients, we charge an advisory fee for services provided with respect to the held-away accounts
mentioned in Item 4 above, just as we do with client accounts that are not held away. The fees charged
by us for managing held-away accounts are identical to the fees we charge for managing accounts that
are not held away.

Fixed Income Portfolios
For Clients in the Fixed Income Portfolio program, PIMCO will charge a quarterly fee that is in addition to
SOAWM’s monthly Investment Management Fee. PIMCO’s fee is a percentage (%) of the average daily
value of the Assets of the Account managed by PIMCO that will be determined by the Client and SOAWM
at the time the Client agrees to utilize PIMCO’s services. PIMCO’s fee is calculated and deducted from a
designated covered account by PIMCO. SOAWM does not receive any compensation or fees from PIMCO.
Clients may also incur certain fees or charges imposed by third parties in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution
fees charged by the Custodian. The Client, prior to entering into an agreement with PIMCO will be
provided with PIMCO's Form ADV 2A (or a brochure that makes the appropriate disclosures) which has
additional information on fees and other expenses, and PIMCO’s Form CRS. Clients who may utilize
PIMCO’s services are advised to read those documents carefully.

Item 7 Types of Clients
Our financial planning services clients generally are individuals. For information about our investment
management clients, please refer to our Wrap Fee Program Brochure.