Stegent Equity Advisors Inc

FEES AND COMPENSATION

   SEA’s fees are negotiable depending upon the services rendered and will be based
   upon a percentage of the total value of the client’s portfolio.

   Fees based upon a percentage of the client’s portfolio will generally range from 0.50% to
   1.0% of assets under supervision per year, depending on the nature of the services
   provided and the portfolio size. Investment management fees are paid in advance on a
   quarterly basis, at the beginning of each calendar quarter, and can be deducted from
   client accounts. (Please see the section titled “Custody” for more details.) The annual
   fee is divided by four before being applied as a percentage of the closing market value of

                                                           Part 2A of Form ADV: Firm Brochure
                                                                   Stegent Equity Advisors, Inc.
                                                                                 February 2026

    all assets in all accounts under management as of the last trading day of each calendar
    quarter. Fees for the initial quarter are prorated to the end of the quarter and are due
    upon execution of the advisory agreement. If a client terminates the relationship with
    SEA mid-quarter, any unearned fees will be returned to the client.

    Other Charges

    When SEA recommends a mutual fund, including closed end funds, for a client’s
    account, three separate fees may be charged to the client, either directly or indirectly.
    The first fee is SEA’s investment management fee where the fund is included in the
    asset base for the quarterly fee calculation. The second is the set of internal fees
    charged by the investment company for the fund’s investment management, marketing,
    administration and marketing assistance. These internal expenses are disclosed in each
    fund’s prospectus which is provided to each client by the custodian. (This set of fees
    also applies to any money market fund purchased in the client’s account.) The third fee
    may be a transaction fee which is assessed by the custodian for its service of providing
    access to a universe of mutual fund families through one account. To avoid such fees a
    client would be required to open a separate account with each individual mutual fund
    company instead of using the custodian recommended by SEA, which would also
    negatively affect SEA’s ability to deliver its services efficiently. Not all mutual fund
    trades enacted by SEA incur this transaction fee. No fund utilized by SEA pays
    remuneration back to SEA. SEA may invest in certain mutual funds, including money
    market funds, charging fees for distribution known as Rule 12b-1 fees if in SEA’s
    judgment such investments are appropriate. Rule 12b-1 fees, like all other mutual fund
    fees expenses, are deducted from the net asset value of the mutual fund and are an
    expense to the client. Certain mutual funds pay a portion of their Rule 12b-1 fees to the
    custodian or an affiliate of the custodian. For trades under $2,500, SEA will use a share
    class with 12b-1 fees, if available, to avoid custodian transaction fees if that is in the
    client’s best interest.

    Some managed accounts, such as employer 401(k) plans are not custodied with
    Schwab; therefore, they generally do not have access to lower cost share classes. SEA
    does not share in any mutual fund charges, including 12b-1 fees or transaction fees
    charged by the custodian, but may indirectly benefit from the services provided by the
    custodian.

PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT

    This section does not apply to SEA.

TYPES OF CLIENTS

    SEA provides investment advisory services to:

       •   Individuals
       •   High net worth individuals
       •   Pension and profit sharing plans
       •   Trusts, estates or charitable organizations
       •   Corporations and other businesses

                                                            Part 2A of Form ADV: Firm Brochure
                                                                    Stegent Equity Advisors, Inc.
                                                                                  February 2026

    SEA has a minimum account size of $250,000 and a minimum fee of $625 per quarter
    without proration. These minimums are waived under certain circumstances. For
    example, clients have the ability to household accounts with their descendants to meet
    account minimums.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS

    SEA considers investments for client accounts in light of fundamental and technical
    analysis. Fundamental analysis entails using current data to evaluate an investment’s
    current and expected price. Technical analysis reviews past performance of an
    investment’s market price.

    Trading for SEA client accounts is limited to general securities, ETFs, mutual funds and
    government securities, unless otherwise agreed to in writing by the client.

    SEA maintains a buy and hold strategy, buying for the long-term rather than attempting
    to catch short-term market moves. SEA has developed several distinct investment
    strategies for its clients, rebalancing to “models” on at least an annual basis, but maybe
    as often as monthly, depending upon the size and objective of each account. These
    strategies range from very conservative to aggressive and are used in rebalancing as
    guidelines, depending upon a client’s investment objective, age and risk tolerance.

    SEA does not guarantee the future performance of the account or any specific level of
    performance, the success of any investment decision or strategy that the Firm uses, or
    the success of the Firm’s overall management of the account. The client understands
    that investment decisions made for the client’s account by the Firm are subject to
    various market, currency, economic, political and business risks, and that those
    investment decisions will not always be profitable. The client understands that investing
    in any security entails risk of loss.