Atlantic Family Wealth LLC

Item 5: Fees and Compensation

      A. Fee Schedule

Asset-Based Fees for Portfolio Management

AFW’s maximum advisory fee is 1.25% and is negotiable. The agreed-upon fee will be set forth in the
advisory agreement and will be calculated based on the average daily balance.

The account fee charged to the client for each LPL advisory program is negotiable, subject to the following
maximum account fees for MAS accounts. The MAS account fee consists of an LPL program fee, a
strategist fee (if applicable), and AFW’s fee for a maximum combined fee of up to 1.85%. See the MAS
program brochure for more information.

      B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts with the client's
written authorization on a quarterly basis from the custodian. A F W ’ s fees are billed quarterly in
advance.

Where LPL serves as a program sponsor, investment adviser, and broker-dealer for the LPL advisory
programs, any associated program fees are billed quarterly in advance. See relevant program disclosures
and program agreements for detailed billing information.

      C. Client Responsibility For Third-Party Fees

Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual
fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged
by AFW. Please see Item 12 of this brochure regarding broker-dealer/custodian.

      D. Prepayment of Fees

AFW collects fees in advance as indicated above. At the inception of services, the first pay period’s fees
will be calculated on a pro-rata basis. If the Client did not receive AFW’s ADV Part 2 disclosures at least
48 hours prior to or at the time the Client entered into the advisory agreement with AFW, the Client may
terminate the agreement without penalty. Thereafter, either party may terminate the agreement upon
written notice to the other party. The Client will incur a pro rata charge for services rendered prior to the
termination of the agreement, which means the Client will incur advisory fees only in proportion to the
number of days in the quarter for which the Client is a Client of AFW. If the Client has prepaid advisory
fees that AFW has not yet earned, the Client will receive a prorated refund of those fees.

See the relevant LPL program agreement for detailed information regarding account termination and
prorated fees.

      E. Outside Compensation For the Sale of Securities to Clients

AFW or its supervised persons may accept compensation for the sale of securities or other investment
products, including asset-based sales charges or service fees from the sale of mutual funds.

Raul Alfonso Isern is a registered representative of a broker-dealer and an insurance agent and, in these
roles, accepts compensation for the sale of securities and other products to AFW clients.

          1. This is a Conflict of Interest

       Supervised persons may accept compensation for the sale of securities or other investment
       products, including asset-based sales charges or service fees from the sale of mutual funds to
       AFW's clients. This presents a conflict of interest and gives the supervised person an incentive to
       recommend products based on the compensation received rather than on the client’s needs. When
       recommending the sale of securities or investment products for which the supervised persons
       receive compensation, AFW will document the conflict of interest in the client file and inform the
       client of the conflict of interest.

          2. Clients Have the Option to Purchase Recommended Products From Other Brokers

       Clients always have the option to purchase AFW-recommended products through other brokers
       or agents that are not affiliated with AFW.

          3. Commissions are not the Primary Source of Income for AFW

       Commissions are not the primary source of compensation for licensed individuals associated with
       AFW.

Item 7: Types of Clients

AFW generally provides advisory services to the following types of clients:

    Individuals

    High-Net-Worth Individuals

Minimum Account Size

There is no account minimum for any of AFW’s services. However, some LPL programs or third-party

programs may impose account minimums.