Beacon Harbor Wealth Advisors Inc

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without incurring any advisory fees and without penalty. How we are
paid depends on the type of advisory service we are performing. Please review the fee and compensation
information below.

Investment Management Services
Our standard advisory fee is based on the market value of the assets under management and is calculated as
follows:
                      Account Value                            Annual Advisory Fee
                        $0 - $500,000                                      1.50%
                   $500,001 - $1,000,000                                   1.25%
                   $1,000,001 and Above                                    1.00%

The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee is
a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown

in the above chart, resulting in a combined weighted fee. For example, an account valued at $1,500,000 would
pay an effective fee of 1.25% with the annual fee of $18,750.00. The quarterly fee is determined by the
following calculation: (($500,000 x 1.50%) + ($500,000 x 1.25%) + ($500,000 x 1.00%)) ÷ 4 = $4,687.50. No
increase in the annual fee shall be effective without agreement from the client by signing a new agreement
or amendment to their current advisory agreement.
Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts
initiated or terminated during a billing period will be charged a pro-rated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 15 calendar days in
advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated
basis.

Pension Consulting Services
                       Account Value                               Annual Advisory Fee
                       $0 - $1,000,000                                     0.75%
                  $1,000,001 - $3,000,000                                  0.50%
                  $3,000,001 - $5,000,000                                  0.35%
                   $5,000,001 and Above                                    0.25%

The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee is
a fixed fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown
in the above chart. No increase in the annual fee shall be effective without agreement from the client by
signing a new agreement or amendment to their current advisory agreement.
Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts
initiated or terminated during a billing period will be charged a pro-rated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 15 calendar days in
advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated
basis.

Financial Planning Fixed Fee
Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the
start of any work. The fixed fee can range between $1,000.00 and $50,000.00, depending on the needs of the
client and complexity of case. The fee is negotiable. If a fixed fee program is chosen, half of the fee is due at
the beginning of process and the remainder is due at completion of work, however, Beacon Harbor Wealth
will not bill an amount above $1,200.00 more than 6 months in advance. In the event of early termination, the
client will be billed for the hours worked at a rate of $300.00 per hour. If the initial deposit is greater than the
amount billed, then the client will be refunded the difference. If the initial deposit is less, then the client will
be billed the difference.

Financial Planning Hourly Fee
Financial Planning fee is an hourly rate of $100.00 per hour for an Associate or $300.00 per hour for a Principal.
The fee may be negotiable in certain cases and is due at the completion of the engagement. In the event of
early termination by client, any fees for the hours already worked will be due.

Other Types of Fees and Expenses
You may pay custodial fees, 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 and other fund expenses), mark-
ups and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on brokerage
accounts and securities transactions. These fees are not included within the wrap-fee you are charged by our
firm.

Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not 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.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals,
pension and profiting sharing plans, charitable organizations and corporations or other businesses.
Our minimum account size requirement is $250,000.00. However, Beacon Harbor Wealth may accept clients
who may have a smaller account size at their sole discretion.