Atlantic Private Wealth LLC

Item 5. Fees and Compensation
      APW offers services on a fee basis, which include fees based upon assets under management, as well as
      fixed fees. Additionally, certain of the Firm’s Supervised Persons, in their individual capacities, offer
      insurance products under a separate commission-based arrangement.

      Investment Management Fees
      APW offers investment management services for an annual fee based on the amount of assets under
      management. The management fee varies and is negotiable but does not exceed 125 basis points (1.25%).

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 Disclosure Brochure                                                      Atlantic Private Wealth, LLC
      The agreed upon fee will depend on the size and composition of a client’s portfolio, the type and amount
      of services rendered and the individual(s) providing the services. At our discretion, we may negotiate a
      client’s fee schedule. All fees will be clearly set forth in a client’s written agreement with APW at the
      beginning of the relationship and any changes in the future will be clearly communicated. Advisory fees
      are paid quarterly in arrears. The fee is directly debited from the client’s account(s) held at the custodian or
      sent to the client by invoice.

      APW may recommend a client roll over retirement accounts or move other assets to the Firm’s
      management. Clients are advised that a conflict of interest exists for the Firm to recommend that clients
      engage APW for additional services for compensation. Clients retain absolute discretion over all decisions
      regarding engaging the Firm and are under no obligation to act upon any of the recommendations.

      Corporate Retirement Plan Management Fees
      This service is typically provided for a fee based upon the assets under management and negotiated on a
      case-by-case basis with the plan trustee or plan fiduciary.

      Financial Planning and Consulting Fees
      APW charges a fixed fee for providing financial planning and consulting services under a stand-alone
      engagement. These fees are negotiable, starting at $2,500 depending upon the scope and complexity of the
      services and the professional rendering the financial planning and/or the consulting services. The fee can
      be for a defined project, such as the delivery of a plan, or for ongoing services. If the client engages the Firm
      for additional investment advisory services, APW can offset all or a portion of its fees for those services
      based upon the amount paid for the financial planning and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement. For project-based services APW requires one-half of the fee payable upon execution
      of the Advisory Agreement. The outstanding balance is due upon delivery of the financial plan or
      completion of the agreed upon services. Ongoing services are charged as described in the investment
      management section, below. The Firm does not, however, take receipt of $1,200 or more in prepaid fees,
      six or more months in advance of services rendered.

      Other Service Arrangements
      APW charges an annual fee which is payable in quarterly installments for providing back-office services.
      The annual fee is negotiated on a client-by-client basis and will be agreed upon in a signed Services
      Agreement.

      Additional Fees and Expenses
      In addition to the advisory fees paid to APW, clients also incur certain charges imposed by other third
      parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
      (collectively “Financial Institutions”). These additional charges include securities brokerage commissions,
      transaction fees, custodial fees, fees attributable to alternative assets, margin and other borrowing costs,
      charges imposed directly by a mutual fund or ETF in a client’s account, as disclosed in the fund’s prospectus

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 Disclosure Brochure                                                   Atlantic Private Wealth, LLC
      (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer
      taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
      transactions. A client could invest in mutual funds directly, without the services of APW. In that case, the
      client would not receive the services provided by APW which are designed, among other things, to assist
      the client in determining which mutual fund or funds are most appropriate to each client’s financial
      condition and objectives. Accordingly, the client should review both the fees charged by the funds and the
      fees chargedby APW to fully understand the total amount of fees to be paid by the client and to thereby
      evaluate the advisory services being provided. The Firm’s brokerage practices are described at length in
      Item 12, below.

      Direct Fee Debit
      Clients provide APW with the authority to directly debit their accounts for payment of the investment
      advisory fees. The qualified custodian for client accounts, from which the Firm retains the authority to
      directly deduct fees, have agreed to send statements to clients not less than quarterly detailing all account
      transactions, including any amounts paid to APW.

      Use of Margin
      Clients can authorize APW, where it meets their investment objectives and goals, to use margin or other
      borrowing in the management of the client’s investment portfolio. Margin accounts are billed on the gross
      total asset value in the account. Margin loan balances do not reduce the billable account value. The total
...

Item 7. Types of Clients
      APW offers services to individuals, trusts, estates, charitable organizations, endowments, tax exempt
      institutions, corporations, as well as pension and profit-sharing plans and plan participants.

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 Disclosure Brochure                                                    Atlantic Private Wealth, LLC