First Affirmative primarily earns fees from discretionary investment management, based on assets managed. Fees for Network Advisors or Sub-Advisor services are additional. Accounts at Apex and Goldman Sachs are wrap fee programs, bundling First Affirmative, Network Advisor, and custodial fees. Fees are tiered and calculated quarterly using the average daily balance. Minimum account sizes apply for certain account types. Financial plans developed by Network Advisors who are not IARs are not supervised by First Affirmative.