Tricord Advisors Inc

Item 5 – Fees and Compensation

TriCord Advisors, Inc. is compensated for investment advisory services through asset-based advisory
fees, financial planning fees, and other compensation as described below. Clients may pay fees
whether or not transactions are executed or investments are profitable.

Investment Management Fees

TriCord charges an asset-based advisory fee for discretionary investment management services.
Advisory fees are calculated as a percentage of assets under management and are charged quarterly
in advance based on the value of the account at the beginning of the billing period.

Advisory fees are negotiable on a client-by-client basis and may vary based on factors such as the
size of the account, the complexity of the client’s financial circumstances, related accounts, and the
scope of services provided. The specific fee schedule applicable to each client is set forth in the
client’s Investment Advisory Agreement.

In limited circumstances, TriCord Advisors, Inc. may provide trust advisory or trustee-related
services and may receive compensation for such services, as agreed upon in writing with the client.

TriCord Advisors, Inc. may charge separate fees for bill-paying or administrative services, which may
be billed on an hourly or fixed-fee basis, as disclosed in the applicable client agreement.

Financial Planning Fees

TriCord also offers financial planning and consulting services for a fixed fee. Financial planning
services are generally provided for a flat fee of $2,500, payable at the time of engagement.

Financial planning services do not include ongoing investment management, supervisory, or
monitoring services unless the client separately engages TriCord for investment management under
a written advisory agreement. Clients are under no obligation to implement any recommendations
provided as part of a financial plan or to engage TriCord for additional services.

Annuity-Related Compensation

TriCord provides advisory and administrative services for certain fixed and indexed annuity products.
These assets are not managed on a discretionary basis and are held directly with the issuing
insurance companies.

In connection with the placement of annuity products, TriCord and/or its associated persons may
receive compensation from insurance companies or other third parties. Any such compensation is
separate from and in addition to advisory fees charged for investment management or financial
planning services. Clients are under no obligation to purchase annuity products through TriCord.

Other Fees and Expenses

In addition to TriCord’s advisory fees, clients may incur other fees and expenses imposed by
custodians, broker-dealers, investment platforms, third-party managers, mutual funds,
exchange-traded funds, or insurance companies. These fees may include transaction charges,
custodial fees, platform fees, internal fund expenses, and insurance-related charges, and are
described in the applicable disclosure documents provided by those third parties.

No Performance-Based Fees

TriCord Advisors, Inc. does not charge performance-based fees.

Item 7 – Types of Clients

TriCord Advisors, Inc. provides investment advisory services primarily to individuals and families.

TriCord also provides advisory services to high-net-worth individuals, trusts, estates, retirement
plans, charitable organizations, and small businesses, as appropriate.