Form CRS – Customer Relationship Summary

March 1, 2026

Sona Financial, LLC

March 1, 2026
Form CRS – Customer Relationship Summary

Introduction

Sona Financial, LLC is registered with the State of Minnesota as an investment adviser. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences.

Free and simple tools are available at Investor.gov/CRS, which provides educational materials and allows you to research firms and financial professionals.

Relationships and Services

We offer investment advisory services to retail investors (individuals and families), including:

Discretionary portfolio management (AUM) with a written Investment Policy Statement
Financial planning (included with AUM)
Subscription-based planning/strategic oversight (no discretionary trading)
One-time planning engagements (e.g., Retirement Clarity Review)
Business-owner advisory/exit planning (CEPA®/EPI-aligned)
Management of certain held-away retirement plans via Pontera

Monitoring: Managed portfolios are monitored at least annually and when material changes occur. Subscription and one-time engagements include advice as defined in the engagement; ongoing monitoring is not included unless separately agreed.

Investment Authority: For AUM and Pontera-managed accounts, you typically grant discretionary authority consistent with your IPS. You may impose reasonable written restrictions.

Minimums: New AUM relationships generally require $750,000. A minimum annual household fee (typically $9,000–$30,000) may apply based on complexity.

Conversation Starters:

Given my financial situation, should I choose an investment advisory service?
How will you choose investments and review my accounts?
What is my role in investment decisions?

Fees and Costs

You will pay fees whether you make or lose money. Fees reduce investment returns over time.

AUM Fees (billed quarterly in advance; tiered and calculated separately):

First $1,000,000: 0.95%
Next $2,000,000: 0.80%
Over $3,000,000: Negotiated

Subscription (no discretion): Typically $9,000–$30,000 annually.
One-Time Planning: Typically $2,500–$30,000 depending on scope.
Business-Owner Advisory: ~$6,000 initial assessment; projects typically $15,000–$30,000; ongoing retainer by scope.
Strategic Oversight (held-away without discretion): Typically $10,000–$30,000 annually.

Other costs include fund/ETF expenses, custodian fees, and transaction charges. We do not receive these fees. We do not charge performance-based fees or offer wrap programs.

Billing & Custody: Fees are generally deducted from the specific account(s) designated for billing. We do not use SLOAs to move funds. Pontera plan fees may be billed directly by the plan custodian.

Because AUM fees are asset-based, we have an incentive to encourage assets under management. We mitigate this through our fiduciary duty and disclosure.

Conversation Starters:

How will fees affect my investments?
If I invest $1,000,000, what would I pay annually?
What could trigger additional fees?

Conflicts of Interest, Standards of Conduct, and Compensation

We are fiduciaries and must act in your best interest. Conflicts may arise:

We receive platform benefits from custodians (technology, research, practice tools), creating an incentive to recommend them.
Our AUM fee creates an incentive to increase managed assets.

We do not receive commissions, third-party compensation, or soft dollars. We do not act as a broker-dealer and do not charge performance-based fees.

We address conflicts through disclosure, policies and procedures, and our fiduciary obligation to seek best execution.

Conversation Starters:

How might conflicts affect me?
Do you receive benefits from recommended custodians?

Disciplinary History

Do you or your financial professionals have disciplinary history? No.

Visit Investor.gov/CRS to research us and our professionals.

Conversation Starter:

Do you have any disciplinary history?

Additional Information

For more information, see our Form ADV Part 2A at:
www.SonaWealthAdvisors.com/ADV

Form CRS is available at:
www.SonaWealthAdvisors.com/FormCRS

Conversation Starters:

Who is my primary contact person?
Who can I talk to if I have concerns?