Argent Wealth LLC

Item 5: Fees & Compensation
Compensation for Our Advisory Services

Asset Management:

The maximum annual fee charged for this service will not exceed 1.5%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the client. Annualized fees are billed on a pro-rata
basis monthly or quarterly in arrears based on the value of the account(s) on the time-weighted daily
average of the month. Fees are negotiable and will be deducted from client account(s). Our firm does
not offer direct invoicing. Our firm bills on cash unless otherwise noted in writing. As part of this
process, Clients understand the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

Comprehensive Portfolio Management:

The maximum annual fee charged for this service will not exceed 1.5%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the client. Annualized fees are billed on a pro-rata
basis monthly or quarterly in arrears based on the value of the account(s) on the time-weighted daily
average of the month. Fees are negotiable and will be deducted from client account(s). Our firm does
not offer direct invoicing. As part of this process, Clients understand the following:

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    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

Separately Managed Account Services:

The combined annual fee charged to Asset Management and Comprehensive Portfolio Management
clients whose portfolios incorporate third party money managers, sub advisors and/or separately
managed accounts (collectively “third parties”) will be distinct from the fee published above for each
respective service. Our firm will debit its fees for our service(s) as laid out in the executed advisory
agreement between the client and our firm. That fee shall be exclusive of any fees assessed by a
chosen third party. The third parties we recommend will not charge you a higher fee than they would
have charged without us introducing you to them. Third parties establish and maintain their own
billing procedures over which we have no control. In general, they will directly bill you and you will
receive a copy of the appropriate disclosure documents that explain these procedures.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed as a fee based on the percentage of Plan assets
under management. The total estimated fee, as well as the ultimate fee charged, is based on the scope
and complexity of our engagement with the client. Fees are based on a percentage of managed Plan
assets will not exceed 1.00%. The fee-paying arrangements will be determined on a case-by-case
basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be
disclosed by the chosen custodian. Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction
fees for U.S. listed equities and exchange traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (e.g., fund management fees, distribution fees, surrender charges,
variable annuity fees, IRA and qualified retirement plan fees, mark-ups and mark-downs, spreads
paid to market makers, fees for trades executed away from custodian, wire transfer fees and other
fees and taxes on brokerage accounts and securities transactions). Our firm does not receive a
portion of these fees.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Asset Management and
Comprehensive Portfolio Management services in writing at any time. Upon notice of termination

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pro-rata advisory fees for services rendered to the point of termination will be charged. If advisory
fees cannot be deducted, our firm will send an invoice for due advisory fees to the client.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
written notice to the other party. Full refunds will only be made in cases where cancellation occurs
within 5 business days of signing an agreement. After 5 business days from initial signing, either
party must provide the other party 30 days written notice to terminate billing. Billing will terminate
30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which takes
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Item 7: Types of Clients & Account Requirements
Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our requirements for opening and maintaining accounts or otherwise engaging us:
   • Our firm generally requires a minimum account balance of $250,000 for our Comprehensive
       Portfolio Management service. However, this general minimum account balance is negotiable
       and can be waived at our firm’s sole discretion. However, there is no minimum for our Asset
       Management Service.