Stockpile Investment Advisors Inc

ITEM 5         FEES AND COMPENSATION
General
Fees are assessed monthly,in advance. Clients will enroll in Stockpile Inc.’s App with either
a BASE Plan or a PLUS Plan in order to access advisory services provided by Stockpile
Advisors. Each plan includes 1 adult (minimum) and up to 5 children (maximum).
Membership fees are $4.95 and $7.95 for the BASE and PLUS plans, respectively.
The Parent Company will charge Clients a monthly fixed membership fee for App access.
Stockpile Advisors’ advisory fee is included in the membership fee as a fixed fee of $.01, per
membership, per month. Advisory fees are not generally negotiable, but the Adviser reserves
the right to modify or waive fees in its sole discretion.
The membership fee is collected by the Parent Company The fee is billed directly to the Client
and is then remitted to the Parent Company. After collection, the Parent Company.

retains the fee and subsequently passes the fixed amount of $.01 to the Adviser for advisory
services once the Investor Profile has been completed by the Client. The fees paid to the
Adviser are not contingent on the amount of client assets under management or the
performance of Client accounts.
Memberships canceled after the close of the billing period will be subject to the subsequent
billing period; services will remain in effect until the end of such billing period. No refunds
of advisory fees paid in advance will be paid to clients, pro rata or otherwise. Please note that
the fixed amount paid to the Adviser by the Parent Company is not subject to negotiation, and
Clients are encouraged to consider whether this compensation structure aligns with their
financial objectives and needs.
BASE Plan: Includes investing and advisory services for a parent and up to five (5) minors..
PLUS Plan: Includes BASE Plan features but also includes children’s checking account with
a debit card as well as an interest-bearing savings feature.
Fees are debited directly from Client accounts.
Additional Fees and Expenses Payable by Clients
Stockpile Advisors sponsors and participates in a wrap fee program, which generally includes
the costs associated with investment advisory services, execution, custody, and reporting.
However, clients should be aware that certain fees are separate and distinct from the wrap fee
and will be charged in addition to the wrap fee.
These additional fees may include, but are not limited to:

    ● SEC Regulatory Fees: Fees imposed by the U.S. Securities and Exchange Commission
      (SEC) related to the execution of certain transactions.
    ● Trading Activity Fees (TAF): Fees associated with certain transactions, including those
      imposed by the Financial Industry Regulatory Authority (FINRA).
    ● Outbound Wire Fees: Charges for processing outgoing wire transfers.
    ● Paper Statement and Trade Confirmation Fees: Fees for receiving paper copies of
      account statements or trade confirmations.
    ● Escheatment Processing Fee: Fees associated with processing accounts or assets
      considered abandoned or unclaimed under applicable state laws.

Clients should also be aware that other similar fees and expenses may be incurred on an
incidental basis, depending on the services utilized and the nature of the transactions
conducted. These fees are not covered by the wrap fee program and will be charged directly
to the client’s account as applicable.

We encourage clients to review their account statements and discuss any questions or
concerns about fees and charges with the Adviser and/or broker.

Exchange Traded Funds (ETFs)

Clients should be aware that the advisory fees charged by the Adviser are separate and distinct
from the fees and expenses associated with investments in Exchange-Traded Funds (ETFs).
Clients who invest in ETFs will incur these additional costs, which include management fees
and other fund expenses, as described in each ETF’s prospectus.

These ETF fees are charged directly to the Client and are not included in the advisory fees
paid to the Adviser. As a result, Clients will bear these fees in addition to the advisory fees
they pay for our services. It is important for Clients to consider the cumulative impact of these
fees on their investment returns.

Clients are encouraged to review all fund documents to understand the nature and extent of
all fees and expenses associated with ETF investments.

ITEM 7         TYPES OF CLIENTS

Stockpile Advisors provides advice to individuals located within the United States. The
minimum account size is $5.

ITEM 8    METHOD OF ANALYSIS, INVESTMENT STRATEGIES AND
RISK OF LOSS
    Investment Strategies and Methods of Analysis
Stockpile Advisors utilizes a proprietary, automated Algorithm to make recommendations
from a curated list of equities or ETFs based on a Client’s preferences and risk tolerance,
among other criteria. Stockpile Advisors will present Clients with recommended investments
based on the financial information and investment preferences shared by the Client.

Clients receive such investment advice from Stockpile Advisors, but retain discretion as to
whether or not such recommendations will be followed, and may make other portfolio and
transaction elections.
Risk of Loss
All investing and trading activities risk the loss of capital. Stockpile Advisors cannot
guarantee any level of performance or that Clients will not incur a loss of capital. The
following risks are not meant to be all-inclusive, but should be considered prior to engaging
Stockpile Advisors for its advisory services.

Technology Risk
Advisers who rely on technology for the delivery of services, known as internet-based
investment advisers, offer online investment management services using algorithms and
automated processes.
Reliance on Algorithms
Stockpile Advisors’ recommendations are based on algorithms that analyze market data and
historical trends. While algorithms can be effective tools for decision-making, they are not
infallible. They may fail to account for certain market conditions, unexpected events, or
changes in investment trends, which could lead to suboptimal investment outcomes.
Technology and Security Risks
Internet-based platforms are vulnerable to technological glitches, system failures, or cyber-
attacks that could potentially compromise the security of your personal and financial
information. Although the Adviser has security measures in place, there is always a risk of
data breaches or unauthorized access to your account.

As part of our commitment to safeguarding client funds and protecting against theft, fraud,
and other forms of misappropriation, the Adviser has implemented robust security protocols.
These protocols include monitoring for illicit or suspicious activity that could pose a threat to
Client accounts.

In certain circumstances, if our security systems detect potentially suspicious or illicit activity,
we may temporarily restrict access to affected accounts as a precautionary measure. This
restriction is intended to protect Client assets and allow for a thorough investigation of the
activity in question.

While these security measures are designed to enhance the safety of Client funds, there is a
risk that Clients may experience temporary delays or an inability to access their accounts or
execute transactions during the period of investigation. We understand that this may cause
inconvenience, but we believe these precautions are necessary to prevent unauthorized access
or potential financial loss.

Clients are encouraged to report any unusual or unauthorized activity in their accounts to the
Adviser immediately. We remain committed to resolving such situations as quickly and
efficiently as possible while maintaining the security and integrity of Client accounts.

Advisory Risk
There is no guarantee that the Advisers’s Algorithm, analysis, or recommendations pertaining
to particular securities will produce the intended results. Our judgment may not be correct
and Clients may not achieve their investment objectives. In addition, there is a risk that
Stockpile Advisors or its Clients may experience computer issues, including equipment or
Platform failure, loss of internet access, viruses, or other events that may impair our ability to
provide advisory services.
General Market Risk
The price of any security or the value of an entire asset class can decline for a variety of
reasons that Stockpile Advisors cannot control, including, but not limited to, changes in the
macroeconomic environment, unpredictable market sentiment, forecasted or unforeseen
economic developments, interest rates, regulatory changes, and domestic or foreign political,
demographic, or social events.
Equity Securities Generally
The value of equity securities generally varies with the performance of the issuer and
movements in the equity markets. Investors in equity securities may lose a substantial portion
of their principal.

Company-Specific Risk: Company-specific risk, also known as unsystematic risk, is related
to the specific company's performance and operations. It includes factors like management
decisions, financial health, competition, and business model that can impact the performance
of a particular stock.

Volatility: Stocks are often more volatile than other asset classes, meaning their prices can
fluctuate significantly over short periods. High volatility can result in both substantial gains
and losses.

Sector Risk: Investing heavily in a particular sector can expose you to sector-specific risks.
For example, if you heavily invest in technology stocks, you are vulnerable to risks specific
to the technology sector, such as changes in technology trends, regulatory actions, and
competition.

Exchange Traded Funds (“ETF”) Risk
Investing in ETFs carry additional risks, such as the risk of not having the same rights as
direct shareholders (e.g. voting rights), paying additional or unexpected fees and charges, not
being able to choose the investments within the ETF, the ETF not tracking its underlying

index or asset accurately or consistently, or of facing unfavorable or complex tax
consequences, as described further below.

Market Risk: ETFs, like stocks, are subject to market fluctuations. If the underlying assets
of the ETF decrease in value, the ETF's value will also drop, potentially leading to losses.
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