APS Wealth Management LLC

Item 5 – Fees and Compensation
Qualified Retirement Plan Advisory Fees
Our standard fee includes establishing your Investment Policy Statement, reviewing your plan structure, investment lineup
selection and monitoring, fund changes, participant education and reporting. The fee will be outlined in your Advisory
Agreement with us. Our typical fee schedule is as follows:

                                   Plan Asset Balance            Tiered Fee

                                       *1 – 250,000                1.00%
                                    250,001 - 499,999              0.75%
                                    500,000 - 999,999              0.50%
                                  1,000,001 - 1,999,999            0.45%
                                  2,000,000 - 4,999,999            0.40%
                                       5,000,000+                  0.35%

*Minimum Advisory Fee of $2,500.00 Annually

These are paid per the fee schedule of the individual plan sponsors. Some may pay quarterly in arrears or in advance and
some may pay monthly in arrears or in advance. The advisory agreement the plan sponsor has with us will outline exactly
how the fees are charged and remitted to us.

We offer actively managed unitized portfolios to our self-directed retirement plan clients. A management fee of 40-bps is
reflected within the daily account valuation on an accrual basis.

You may also incur fees related to use of outside service providers including third-party administrators and record keepers.
The fee schedule for each outside service provider varies dramatically from service provider to service provider. The
service provider’s fees will also vary from plan to plan as each plan’s structure and characteristics are different from the
next.

We believe our services help plan sponsors and plan fiduciaries meet their fiduciary duty to the plan and its participants.
As a part of our services, we review the fees of service providers and the transparency of their fees. We will assist the plan
sponsors with a review of service providers including the third-party administrator, daily record keeper, and custodian to
ensure that their services, along with ours, remain competitive to alternatives that are available.

APSWM                                 ADV Part 2A/B                                              Page 9 of 34

Independent Qualified Plan Assessment
The fee range for an Independent Qualified Plan Assessment consulting engagement is based on time and labor costs. The
fee range for this engagement will be between $5,000 and $75,000, based on the number of plan participants, total plan
assets and the complexity of the plan.

Flat Dollar Fee Schedule
Depending upon the scope of services, we may elect to negotiate a flat dollar-based fee payable either quarterly orsemi-
annually.

APSWM                            ADV Part 2A/B                                             Page 10 of 34

Investment Management Services
APS Wealth Management offers investment management services for an annual fee based on the amount of assets
under the Firm’s management. This management fee generally varies in accordance with the blended fee schedule.
For clients having a prior relationship with the Firm or its representatives, the Firm may alternatively negotiate a
fixed percentage asset-based fee for the investment management services that may be lower than the fee
percentage compared to the blended fee schedule. Should the client’s account balance increase to a level where
their fixed percentage rate is greater than indicated on the blended fee schedule, the account will be reviewed to
determine if the fee should be converted to a blended rate. Please reference the fee grid below:

         PORTFOLIO VALUE                 BASE FEE
         First $250,000                  1.75%
         Next $250,000                   1.50%
         Next $500,000                   1.35%                           SAMPLE NEGOTIATED RATE        FIXED PERCENTAGE FEE
         Next $1,000,000                 1.00%                                   $1,000,000                  1% of all AUM
                                                                 or
         Next $1,000,000                 0.85%
         Next $1,000,000                 0.75%
        Above $4,000,000               Negotiable

These are paid per the fee schedule of the individual client. Some may pay monthly in advance and some may pay quarterly
in arrears. The advisory agreement the client has will outline exactly how the fees are charged and remitted to us.

The annual fee is prorated and charged monthly, in advance, based upon the average market value of the assets being
managed by APS Wealth Management on the last day of the previous billing period or quarterly in arrears, based on the
average market value of the assets on the last day of the quarter being billed. If assets are deposited into or withdrawn
from an account after the inception of a billing period, the fee payable with respect to such assets is not adjusted to reflect
the interim change in portfolio value. For the initial period of an engagement, the fee is calculated on a pro rata basis. In
the event the advisory agreement is terminated, the fee for the final billing period is prorated through the effective date
of the termination and any outstanding fee is charged to the client, as appropriate.

Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g., held-away
assets, accommodation accounts, alternative investments, etc.), APS Wealth Management may negotiate a fee rate that
differs from the range set forth above.

Fee Discretion
APS Wealth Management may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
...

Item 7 – Types of Clients
We offer services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, corporations
and business entities. APS Wealth Management has minimum portfolio value of $500,000 for starting and maintaining an
investment management relationship. Certain Independent Managers may, however, impose more restrictive account
requirements and billing practices from the Firm. In these instances, APS Wealth Management may alter its corresponding
account requirements and/or billing practices to accommodate those of the Independent Managers.