ARQ Wealth Advisors LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

For both the Wealth Apex™ Service and Wealth Builder™ Service, portfolio values include money market funds,
mutual funds, exchange traded funds, individual securities (including options), annuities, IRAs, and defined
contribution plans (401(k), 403(b), and 457 plans). Portfolio values do not include bank accounts, savings
bonds, real estate properties, residences, defined benefit plans, closely held stock, or life insurance cash values.
Portfolio values are based on the closing prices on the last business day of each calendar quarter.

Wealth Apex™:

                  Assets Under Management                Annual Percentage of Assets Charge
                       First $1,000,000                               1.25%
                       Next $1,000,000                                1.00%
                       Next $3,000,000                                0.80%
                       Over $5,000,000                                0.60%

* Please note that the above fee schedule is a tiered fee schedule. For example, if a client has $5,500,000 in
assets under management, the annualized advisory fee will be $49,500. The calculation will be as follows:

($1,000,000 x 1.25%) + ($1,000,000 x 1.00%) + ($3,000,000 x 0.80%) + ($500,000 x 0.60%) = $12,500 +
$10,000 + $24,000 + $3,000 = $49,500 annualized fee.

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 quarterly in arrears based on the value of the account(s) on the last day of the quarter.
Our firm bills on cash unless indicated otherwise in writing. Fees are negotiable and will be deducted from
client account(s). Cash flows contributed/distributed throughout the quarter that exceed a minimum threshold
of $1,000 in aggregate per day will be used to adjust fees pro-rata at the end of each billing cycle. In rare cases,
our firm will agree to directly invoice. 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; and
    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.

Wealth Builder™:

                  Assets Under Management                  Annual Percentage of Assets Charge
                       First $1,000,000                                 1.25%
                       Next $1,000,000                                  1.00%
                       Next $3,000,000                                  0.80%
                       Over $5,000,000                                  0.60%

* Please note that the above fee schedule is a tiered fee schedule. For example, if a client has $5,500,000 in
assets under management, the annualized advisory fee will be $49,500. The calculation will be as follows:

($1,000,000 x 1.25%) + ($1,000,000 x 1.00%) + ($3,000,000 x 0.80%) + ($500,000 x 0.60%) = $12,500 +
$10,000 + $24,000 + $3,000 = $49,500 annualized fee.

Please note that our firm will either charge an annual percentage of assets as outlined above, or an annual
minimum fee of $2,500 for this service, whichever is greater. 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 quarterly in arrears based
on the value of the account(s) on the last day of the quarter. Our firm bills on cash unless indicated otherwise
in writing. Fees are negotiable and will be deducted from client account(s). Cash flows contributed/distributed
throughout the quarter that exceed a minimum threshold of $1,000 in aggregate per day will be used to adjust
fees pro-rata at the end of each billing cycle. In rare cases, our firm will agree to directly invoice. 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; and
    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.

Retirement Plan Program:

Our firm charges a fee based on a percentage of Plan assets under management for our Retirement Plan
Program service. Fees based on a percentage of managed Plan assets will not exceed 1.25%. 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 charges 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”) and Fidelity Investment (“Fidelity”) do not charge transaction
fees for U.S. listed equities and exchange traded funds. Clients may also pay charges imposed directly by a mutual
fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus (i.e., fund
management fees, initial or deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges,
variable annuity fees, IRA and qualified retirement plan fees, and other fund expenses). Our firm does not
receive a portion of these fees. Our firm at one time offered a wrap fee program, however, all current wrap fee
program clients will be transitioned to a non-wrapped fee program.

Termination & Refunds

Either party may terminate the investment advisory services received from our firm without penalty upon
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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 Wealth Apex™ service requires a minimum portfolio balance of $750,000; and
    • Our Wealth Builder™ service requires a minimum portfolio balance of $250,000 and a minimum
        monthly contribution of $500.
            o Households may aggregate their assets to meet the minimum portfolio balance requirements
               for our Wealth Apex™ and Wealth Builder™ services. However, our firm requires a minimum
               account balance of $10,000 for individual accounts. These minimum account balance
               requirements may be reduced or waived on a case-by-case basis at our firm’s discretion.