Fund Direct Advisors Inc.

Fund Direct Advisors, Inc. is an SEC Registered Investment Adviser established in April 2013 under the US Investment Advisers Act of 1940. The firm is located in Greensboro, North Carolina, and provides advisory services to various clients, including individuals, high net worth individuals, and retirement plans. For retirement plans, FDA offers advisory and consulting services on mutual fund investment selection and monitoring. Individual and high net worth clients' investments include mutual funds, ETFs, and individual stocks and bonds, with a focus on diversification and risk management. The firm manages over $600 million in client assets, both on a non-discretionary and discretionary basis. FDA's fee structure varies based on account type, with retirement plan fees calculated on an asset-based schedule and individual wealth management fees ranging from 0.70% to 1.50%. The firm charges fees quarterly and offers a fixed fee arrangement option. FDA acts as a fiduciary to advisory clients, including employee benefit plans, under ERISA and the Internal Revenue Code, ensuring specific duties and obligations are met. The firm does not charge performance-based fees and has discretionary authority for some client accounts, as authorized in the client's Investment Advisory Agreement. FDA does not vote proxies on behalf of clients and has no financial commitments impairing its ability to meet contractual obligations.