Disclosures

Introduction

This document outlines the disclosures required by the State of Texas for Integrated Adviser, a wealth management firm. It is intended to provide clients and potential clients with important information regarding the firm's business practices, conflict of interest policies, and the financial and legal obligations of both the firm and its clients. Integrated Adviser explicitly acknowledges and accepts its role as a fiduciary to its clients, committing to act in their best interests at all times. The firm commits to maintaining all required regulatory records in compliance with SEC, state, and federal regulations, ensuring proper documentation and retention of all client-related communications, financial transactions, and advisory interactions for the period prescribed by applicable laws.

This document is in compliance with applicable state laws and regulations governing wealth management services in Texas.

In compliance with SEC regulations, Integrated Adviser will provide clients with its current Form ADV Part 2A (firm brochure) and Part 2B (brochure supplement) prior to or at the time of entering into an advisory agreement. These documents provide detailed information about the firm's services, fees, conflicts of interest, and professional background of key advisory personnel. By signing the Client Agreement, the Client acknowledges receipt and understanding of these disclosure documents.

Scope of Services

This "Scope of Services" clause outlines the services to be provided by Integrated Adviser to its clients under the governing laws of Texas. Integrated Adviser, a wealth management firm, shall offer a comprehensive suite of services tailored to meet the individual financial goals and needs of its clients. These services include, but are not limited to, financial planning, investment management, retirement planning, tax planning and compliance, estate planning, and risk management. Integrated Adviser is granted full authority to place trades and execute transactions on behalf of the client, in accordance with the client's investment objectives and any documented restrictions or limitations.

Clients should be aware that investment decisions may have significant tax implications. Integrated Adviser strongly recommends consulting with a qualified tax professional to understand the potential tax consequences of any investment strategy or transaction before making financial decisions.

Integrated Adviser is authorized to execute transactions in the following types of investments on behalf of the client: stocks, bonds, mutual funds, exchange-traded funds (ETFs), options, and other securities as agreed upon in writing. All investment recommendations and transactions will be meticulously tailored to align with the client's specifically stated investment objectives, documented risk tolerance, and current financial circumstances. Prior to executing any investment strategy, the Adviser will conduct a comprehensive assessment of the client's financial profile, ensuring that each recommendation reflects the client's unique financial goals, risk appetite, time horizon, and overall financial situation. This personalized approach guarantees that all investment decisions are intrinsically aligned with the client's best interests and financial well-being and regulatory compliance. The specific scope of services to be provided to each client will be detailed in a separate written agreement, which will form part of the contract between Integrated Adviser and the client. Integrated Adviser is authorized to execute transactions in the following types of investments on behalf of the client: stocks, bonds, mutual funds, exchange-traded funds (ETFs), options, and other securities as agreed upon in writing with the client.

It is understood that the scope of services may evolve over time in response to changes in the client's financial situation, objectives, or due to changes in the regulatory environment. Integrated Adviser commits to conducting comprehensive quarterly reviews of each client's investment portfolio, thoroughly assessing performance, alignment with investment objectives, and potential adjustments. These reviews will be communicated to the client through the following approved methods: (a) secure client portal, (b) encrypted email, (c) telephone conference, or (d) in-person meeting. Clients may choose their preferred communication method for account-related matters, which will be documented in the client agreement. Integrated Adviser promptly and adjust its services accordingly. Client-specific investment restrictions or limitations will be documented in a separate appendix to this agreement, which will be reviewed and updated annually or as needed based on the client's changing circumstances or preferences.

Either party may terminate this agreement by providing thirty (30) days written notice to the other party. During the notice period, Integrated Adviser will continue to provide services and assist in the orderly transfer of the client's assets and account information.

Fees and Compensation

This Fees and Compensation clause is established under the laws of Texas and applies to the Wealth Management Firm, Integrated Adviser. The Wealth Management Firm shall be compensated for its services according to the following structure:

1. Management Fees: A percentage of the assets under management ("AUM") as agreed upon in the Client Agreement. This fee is billed quarterly in advance and is based on the account value at the close of the last business day of the previous quarter.

2. Performance-Based Fees: In addition to the management fees, the Wealth Management Firm may receive performance-based fees that are contingent upon the achievement of pre-defined investment benchmarks. The specifics of these benchmarks and the calculation of performance-based fees will be detailed in the Client Agreement.

3. Other Fees and Expenses: Clients may incur other fees and expenses related to the management of their account, including but not limited to brokerage fees, custodial fees, and fees for third-party services. Such fees will be disclosed to the client in advance of being incurred.

All fees and expenses will be transparently disclosed to the client in writing before the commencement of services and any subsequent changes to the fee structure will be communicated to the client with reasonable notice. The client hereby authorizes Integrated Adviser to directly deduct fees from the client's account(s) on a quarterly basis, as specified in the fee schedule.

Conflict of Interest Disclosure

In accordance with the laws and regulations of the State of Texas, Integrated Adviser ("the Firm") hereby discloses the following potential conflicts of interest:

Management Fees: The Firm receives Management Fees, which are calculated as a percentage of the assets under management ("AUM") as agreed upon in the Client Agreement. This may create an incentive for the Firm to recommend investment strategies that increase the AUM, potentially at the expense of the client's best interest.

Performance-Based Fees: The Firm may also receive Performance-Based Fees, which are contingent upon achieving pre-defined investment benchmarks. This arrangement may lead to the Firm adopting investment strategies that are riskier or more speculative than those that would be chosen under a fixed-fee arrangement.

Other Fees and Expenses: Clients may incur Other Fees and Expenses related to the management of their account. These fees and expenses, including but not limited to brokerage fees, custodial fees, and fees for third-party services, may not always be in the best interest of the client and may influence the Firm's recommendations.

The Firm is committed to acting in the best interests of its clients at all times and to providing full and fair disclosure of all material facts and conflicts of interest that may affect the client's investment decisions. In the event a client wishes to file a regulatory complaint or grievance, they should:

1. First contact their primary adviser in writing detailing the specific concern.

2. If the concern is not resolved satisfactorily, submit a formal written complaint to the Firm's Compliance Officer at [Compliance Officer Contact Information].

3. Clients may also file complaints with the Texas State Securities Board at [Board Contact Information] or the SEC at [SEC Complaint Contact Information].

The Firm is committed to addressing all complaints promptly, thoroughly, and fairly, ensuring transparency and client satisfaction. Clients are encouraged to ask questions and discuss any concerns they may have with their adviser at the Firm.

Third-Party Relationships and Payments

In the interest of full disclosure and in compliance with the laws and regulations of the State of Texas, Integrated Adviser hereby discloses that it may engage in relationships with third parties to better serve its clients. These relationships may involve the sharing of Management Fees, Performance-Based Fees, or Other Fees and Expenses with such third parties.

Third-party service providers play crucial roles in supporting our wealth management services. The roles and responsibilities of these providers typically include: Custodians - safekeeping of client assets, providing account statements, and executing trades as directed; Brokers - executing securities transactions and providing market research; Other service providers - may include tax professionals, legal advisors, or specialized investment consultants as needed. The specific scope of services for each provider will be detailed in separate service agreements, which will be made available to clients upon request. Integrated Adviser will oversee these relationships to ensure they align with our clients' best interests.

Integrated Adviser may receive compensation from third parties in connection with the provision of services to its clients. Such compensation may include, but is not limited to, referral fees, commission sharing arrangements, and other forms of financial incentives. Integrated Adviser commits to disclosing any such arrangements to its clients in a timely and transparent manner, ensuring that all such compensation is in the best interest of the client and does not impair Integrated Adviser's duty to act in the best interest of its clients at all times.

All third-party relationships and payments will be conducted in accordance with applicable laws and regulations, including those governing conflicts of interest and fiduciary duties. Integrated Adviser will provide clients with detailed information regarding any third-party relationships and payments upon request. Any third-party provider engaged by Integrated Adviser will be subject to strict limitations on their access to client information and assets, as outlined in separate confidentiality and data protection agreements. These limitations will be designed to protect client interests and maintain the security of client information and assets.

Client Responsibilities

This clause outlines the responsibilities of the client ("Client"), who is classified as a retail investor under applicable Texas and federal securities regulations. By engaging the Adviser, the Client represents and warrants that they have the legal capacity and full authority to enter into this Agreement, and to bind the account to the terms herein. The Client confirms they are of legal age, mentally competent, and have the necessary legal authorization to make investment decisions and enter into this contractual relationship. Client agrees to: Maintain the confidentiality and security of all account access credentials, including passwords and authentication methods.

The Client is responsible for:

- Creating strong, unique passwords

- Not sharing account credentials with any third party

- Immediately reporting any suspected unauthorized access or security breach to the Adviser

- Promptly updating passwords and notifying the Adviser of any potential compromise of account security

1. Provide the Adviser with complete and accurate financial information and promptly notify the Adviser of any changes to this information that might affect the management of the Client's account.

2. Review all reports and statements provided by the Adviser and promptly notify the Adviser of any discrepancies. Account statements will be delivered through multiple channels: (1) Secure online portal access, (2) Email to the client's registered email address, and (3) Physical mail to the client's address on file. Clients can choose their preferred delivery method during account setup and may change their preference at any time by contacting the Adviser. In the event of a suspected error in the account statement, the Client must notify the Adviser in writing within 30 days of statement receipt. The Adviser will investigate any reported discrepancies and provide a written response within 14 business days, including a detailed explanation or correction. If an error is confirmed, the Adviser will issue a corrected statement and make appropriate adjustments to the account.

3. Pay all Management Fees, Performance-Based Fees, and Other Fees and Expenses as agreed upon in the Client Agreement. These fees are crucial for the provision of services and include, but are not limited to, a percentage of the assets under management ("AUM"), fees contingent upon the achievement of pre-defined investment benchmarks, and expenses related to the management of the Client's account such as brokerage fees, custodial fees, and fees for third-party services.

4. The Adviser will provide all necessary tax documents, including but not limited to Form 1099-DIV for dividends and distributions, Form 1099-INT for interest income, and Form 1099-B for proceeds from broker and barter exchange transactions. These documents will be provided annually, no later than January 31st of the following tax year, in compliance with IRS regulations. The Client is solely responsible for accurately reporting all income, maintaining appropriate tax records, and filing all required tax returns. The Client acknowledges that they are responsible for consulting with a tax professional to ensure proper tax reporting and compliance with all applicable tax laws.

5. Understand that all investments carry inherent risks, and to consult with an independent financial advisor or legal counsel if they have any concerns regarding the Adviser's services or the associated risks. The Client agrees to participate in periodic reviews, at least annually, to confirm and update their investment objectives and risk tolerance. These reviews are essential to ensure that the Adviser's strategies remain aligned with the Client's financial goals and risk profile.

By fulfilling these responsibilities, the Client assists in the effective management of their account and helps ensure that the Adviser can provide the best possible service. Failure to comply with these responsibilities may affect the performance of the Client's account and the ability of the Adviser to provide services.

Limitation of Liability

Integrated Adviser acknowledges its fiduciary duty to provide prudent, professional investment advice and ongoing monitoring of the client's investment portfolio, in full compliance with the Investment Advisers Act of 1940 and other applicable federal and state securities regulations.

This duty includes:

1. Conducting thorough and diligent research to develop investment recommendations aligned with the client's financial objectives, risk tolerance, and investment horizon.

2. Continuously monitoring the client's investment portfolio to ensure alignment with the agreed-upon investment strategy and making timely recommendations for adjustments when market conditions, the client's circumstances, or investment performance warrant such changes.

3. Providing transparent and comprehensive reporting on investment performance, portfolio composition, and any material changes that may impact the client's investment strategy.

4. Acting in the best interests of the client, exercising reasonable care, skill, and diligence in managing the client's assets, and avoiding conflicts of interest.

Notwithstanding any other provision of this agreement, Integrated Adviser, its directors, officers, employees, agents, and affiliates shall not be liable to the client for any actions taken or omitted in good faith and believed to be within the scope of authority conferred or implied by this agreement and all other documents related to the management of the client's account. This limitation of liability shall not apply to any losses or damages resulting from Integrated Adviser's gross negligence, willful misconduct, or violation of applicable law.

The client acknowledges that investment in securities involves risks, including the risk of loss of principal. Integrated Adviser does not guarantee the performance of any investments or the attainment of any specific investment objectives. It is important to note that past performance is not indicative of future results. The Management Fees, Performance-Based Fees, and Other Fees and Expenses may be incurred by the client's account regardless of investment performance.

Integrated Adviser's liability for any claims related to the services provided under this agreement, whether in contract, tort, or otherwise, shall not exceed the amount of fees received by Integrated Adviser from the client for the services to which the claim relates in the twelve (12) months preceding the claim. With respect to third-party service providers engaged by Integrated Adviser, the firm shall be responsible for the selection and ongoing monitoring of such providers. However, Integrated Adviser shall not be liable for the actions or omissions of third-party service providers, except to the extent that such actions or omissions result from Integrated Adviser's negligence in selecting or monitoring the provider. Clients may have separate rights of action against third-party service providers as outlined in the respective service agreements.

Confidentiality

This confidentiality obligation shall survive the termination of any agreement between Integrated Adviser and its clients and shall continue to apply indefinitely. Integrated Adviser will retain client data for a period of seven (7) years after the termination of the client relationship, after which all client data will be securely destroyed using industry-standard data destruction methods, including secure deletion of electronic files and shredding of physical documents. Acknowledges that in the course of providing wealth management services, it may receive or have access to confidential information pertaining to its clients. Such confidential information includes, but is not limited to, personal and financial information, investment strategies, Management Fees, Performance-Based Fees, Other Fees and Expenses, and any other information designated as confidential by the client or by law.

The client shall have the right to:

1. Request access to their personal information held by Integrated Adviser

2. Request corrections to any inaccurate personal information

3. Request deletion of their personal information, subject to legal and regulatory retention requirements

Integrated Adviser agrees to:

1. Maintain the confidentiality of all such information and not disclose it to any third party without the prior written consent of the client, except as required by law or as necessary to provide the agreed-upon services.

2. When seeking client consent for sharing information with third parties, Integrated Adviser will specify the purposes for sharing, the types of information to be shared, and the identity of the third parties. The client shall have the right to withhold or withdraw consent for such sharing at any time.

3. Implement and maintain reasonable security measures to protect confidential information from unauthorized access, use, disclosure, alteration, or destruction. Integrated Adviser will maintain all account records and reports for a minimum of seven (7) years from the date of their creation or the termination of the client relationship, whichever is later, in accordance with applicable laws and regulations.

4. Ensure that its employees, agents, and subcontractors who have access to confidential information are bound by obligations of confidentiality no less stringent than those contained in this clause.

5. Notify the client promptly in the event of any breach of confidentiality or security incident affecting the client's information. In case of a confirmed data breach or security incident, Integrated Adviser will notify affected clients in writing within 72 hours of discovery. The notification will include details of the breach, types of information potentially compromised, steps taken to address the incident, and recommended actions for clients to protect their interests. Integrated Adviser will also provide ongoing updates and support to affected clients throughout the resolution process.

This confidentiality obligation shall survive the termination of any agreement between Integrated Adviser and its clients and shall continue to apply indefinitely. Integrated Adviser commits to complying with all applicable privacy laws and regulations, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and any other relevant state or federal privacy laws. Integrated Adviser will maintain ongoing compliance with these laws and any future privacy regulations that may become applicable. Integrated Adviser commits to complying with all applicable privacy laws and regulations, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and any other relevant state or federal privacy laws. Integrated Adviser will maintain ongoing compliance with these laws and any future privacy regulations that may become applicable.

Termination

Upon termination, the client will be responsible for the payment of any outstanding Management Fees, Performance-Based Fees, and/or the Fees and Expenses accrued up until the date of termination. The calculation of these fees will be in accordance with the terms outlined in the Client Agreement. Any repaid fees will be prorated based on the number of days services were provided in the billing period, and the unused portion will be refunded to the client within 30 days of the termination date. The Firm will provide the client with a final statement of fees, including any refund calculations, within thirty (30) days of the termination date.

Additionally, upon termination of the advisory relationship, Integrated Adviser will securely destroy or return all client data within 30 days. Client may request a written confirmation of data destruction or transfer. All client data will be handled in compliance with applicable data protection regulations, ensuring the confidentiality and security of sensitive information. Similarly, the client may terminate the advisory relationship with the Firm at any time by providing written notice to the Firm.

Upon termination, the client will be responsible for the payment of any outstanding Management Fees, Performance-Based Fees, and Other Fees and Expenses accrued up until the date of termination. The calculation of these fees will be in accordance with the terms outlined in the Client Agreement. Any prepaid fees will be prorated based on the number of days services were provided in the billing period, and the unused portion will be refunded to the client within 30 days of the termination date. The Firm will provide the client with a final statement of fees, including any refund calculations, within thirty (30) days of the termination date.

All investments and assets under management will be returned to the client, or transferred to a designated third party, in accordance with the client's instructions and applicable laws and regulations. The Firm will cooperate fully in facilitating the transfer of assets to ensure a smooth transition. Any in-process transactions at the time of termination will be completed or wound down in a manner that minimizes potential financial impact to the client, with full disclosure and consultation with the client regarding the status and potential outcomes of such transactions.

Termination of the advisory relationship does not waive any outstanding obligations the client may have to the Firm under the terms of the Client Agreement, including the settlement of any unpaid fees. In the event of the client's death or incapacity, the Firm will follow the instructions provided in the client's estate planning documents or as directed by the client's legal representative. The Firm will continue to manage the account and charge fees in accordance with the existing agreement until receiving proper documentation and instructions from the authorized representative.

Governing Law

This Agreement and any dispute arising out of or related to this Agreement or the services provided by Integrated Adviser shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any choice or conflict of law provision or rule (whether of the State of Texas or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than those of the State of Texas.