Twin Peaks Wealth Advisors LLC

ITEM 5 - FEES AND COMPENSATION

TWIN PEAKS WEALTH ADVISORS
APRIL 2026 | PAGE 13 OF 40

In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and TPWA’s Investment Advisory Agreement will
outline and agree upon the exact costs and other terms related to the Client’s Accounts.

WEALTH MANAGEMENT SERVICES

Wealth Management Services are offered for an annual asset-based fee of up to 1.00% of assets under
management, based on the blended tiered fee schedule below. We have a minimum account size of $2,000,000.
We retain the right to waive the minimum account size at our discretion.
                                             Blended Tiered Fee Structure

                       Assets Under Management                         Annual Fee
                               First $2,000,000                             1.00%

                           $2,000,001 - $5,000,000                          0.75%

                             $5,000,001 and over                            0.50%

Advisory fees are calculated using a blended tiered schedule, meaning each rate applies only to the assets within
that tier.
For example, if a client has $7,000,000 under management, the annual advisory fee would be calculated as
follows:
    •   1.00% of the first $2,000,000 = $20,000
    •   0.75% of the next $3,000,000 = $22,500
    •   0.50% of the remaining $2,000,000 = $10,000
        Total annual fee = $52,500
        Effective blended rate = approximately 0.75%

Our annual fee is prorated and charged quarterly in advance based on the average daily balance of the account.
Cash and cash equivalents, including money market funds, are subject to your advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the days the
Client account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of
any account.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The wealth
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.

TWIN PEAKS WEALTH ADVISORS
APRIL 2026 | PAGE 14 OF 40

Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).

INVESTMENT SERVICES FEE

Investment Services are offered for an annual asset-based fee of up to 2.00% of assets under management,
based on the flat tiered fee schedule below and is designed for individuals with less than $2,000,000 in investable
assets.
                                                     Tiered Fee Structure

                       Assets Under Management                              Annual Fee
                            Assets up to $500,000                             2.00%

                            $500,001 - $1,000,000                             1.50%

                            $1,000,001 – 2,000,000                            1.25%

                           $2,000,001 - $5,000,000                            0.90%

                           $5,000,001 - $10,000,000                           0.75%

                          $10,000,001 - $25,000,000                           0.65%

                             $25,000,001 and over                             0.50%

Clients may request to move from investment services to wealth management once they meet the minimum
account value of $2,000,000.
Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.
Our annual fee is prorated and charged quarterly in advance based on the average daily balance of the account.
Cash and cash equivalents, including money market funds, are subject to your advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, investment advice, financial planning, and consulting and
advisement to individuals, high-net-worth individuals, families, estates, corporations, and charitable foundations.
Our firm requires a minimum account value of $1,000,000 for investment services and $2,000,000 for wealth
management services. Clients have the option to aggregate all household accounts to meet this minimum.
Exceptions to the minimum account requirement may be granted at the sole discretion of TPWA.
For fee calculation purposes, unless instructed otherwise, we will automatically aggregate related client
accounts, a practice commonly known as "householding" portfolios. Householding may result in lower fees than
if each account were billed separately, as the combined value is used to determine the account size and the
corresponding annualized fee.
Our approach to householding considers the overall family dynamic and relationship. Additionally, if applicable,
and as noted in Appendix B of the Investment Management Agreement, legacy positions may be excluded from
the fee calculation.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.
Clients whose accounts include allocations to independent sub-adviser strategies should discuss with their
adviser the total expected investment cost applicable to their account, as all-in fees for certain strategies may
be materially higher than the advisory fee tier applicable to their account size alone.