Beacon Wealthcare LLC

Fees and Compensation

       BEACON provides independent, fee-only investment management services to individuals, families, benefit plans,
  foundations, and institutions. We receive no commissions from trading marketable securities or compensation for
  financial products and services that we recommend to our clients. We receive one fee, which is generally based upon
  a client’s account household total managed assets, but may also include a minimum flat fee of $3,500 where
  planning services exceed the cost of any assets being managed. In more complex engagements the fee can range
  $7,500 to $ 15,000.

       The specific manner in which fees are charged by BEACON is described in the client’s Investment Advisory
  Agreement. Fees are typically billed quarterly in advance and are usually debited by the custodian, Charles Schwab
  (SCHWAB) from t h e client’s custodial account and remitted by the custodian to BEACON. Fees are augmented by
  the pro-rata portion of any significant capital contribution ( greater than $10,000 ) during a calendar quarter. In the event
  of termination of a relationship, any prepaid, unearned fees associated with this Agreement are refunded. Clients may
  also be billed and send a check for payment. Held-away assets managed by us are invoiced and paid by check, credit
  or debit card, or other agreed-upon method, not to include direct debiting of the account itself.

       Currently BEACON charges fees that normally range from 0.50% to 1.25% per annum for advisory relationships
  with natural persons or non-benefit plan institutional relationships. The fee agreement used in our management-only
  QUEST program stipulates a lower percentage fee than that paid by our full-service planning accounts (0.9%), but it
  includes a $50.00 annual minimum. Certain other agreements contain a minimum fee of $3500 to compensate
  BEACON when planning fee minimums exceed revenues that would accrue asset fees alone.

       In most circumstances, the actual fee charged will depend on the total household assets with typical breakpoints at
  various household asset levels, although some clients may be billed a flat percentage or dollar fee regardless of
  household asset level. In most cases, as the household or asset levels increase, the flat or graduated fee as applicable
  is reduced as a percentage of assets. BEACON offers discounted rates to its employees and their families as well as to
  institutional and very high net-worth clients with substantial account balances at fee levels that may be lower than the
  ranges indicated above. Beacon reserves the right to negotiate fees.

      All Advisory Fees are exclusive of transactions fees and other related costs and expenses which shall typically
  be incurred by the client as charged by the custodian. Mutual funds, exchanged traded funds and annuities all
  charge internal management fees and other expenses, which are disclosed in a fund’s or annuities prospectus or
  equivalent disclosure document and are directly deducted from the value of such investment vehicles. Such charges,
  fees and commissions are exclusive of and in addition to BEACON’s fee. BEACON and/or its Advisors do not receive
  any portion of these commissions, fees and costs and do not have any affiliation with the sponsors or providers of
  these investment vehicles.

      For qualified retirement plan consulting services, Beacon charges a fee based upon a percentage of the market value
of qualified retirement plan assets at the end of each quarter. Fees are based on an annualized basis and paid quarterly, in
most cases at 0.2% annually. Fees can be negotiable. This fee covers view only access to the plan for advising on portfolio
     ©Copyright 2026– Beacon Wealthcare, LLC. All rights reserved.                                                  Page |7

(s) fund selections. Generally, fees are directly deducted from the plan.

      The client agreement may be terminated by any of the parties to the agreement by provision of written notice to the
other parties. Upon termination, any unearned fees will be refunded to the client. Any fees accrued by not yet assessed to
the account will be assessed prior to the termination of the agreement.

      Item 12 of this Brochure further discusses BEACON’s selection process for the brokerage or custodian firm(s) it
  recommends.

       Beacon may also offer a once a yearly flat fee or hourly fee for Financial Planning (one plan per year). The flat
  fee is no higher than $15,000, varying depending on complexity and scope of the plan environment.

Item 7 – Types of Clients

     BEACON provides portfolio management services to individuals, high net worth individuals, trusts, estates,
  pension and profit-sharing and defined-contribution retirement plans, business entities, charitable institutions,
  endowments and foundations.

      Clients eligible to enroll in the SIPS Program include individuals, IRAs and revocable living trust. Clients that are
  organizations (such as corporations and partnerships) or governments, entities, and clients that are subject to the
  Employee Retirement Income Security Act of 1974 are not eligible for the Programs. The minimum investment required to
  open an account in the Programs is $5000. The Program Disclosure Brochure describes related minimum required
  account balances for maintenance of the account, automatic rebalancing, and tax-loss harvesting.

  ERISA                        __________________________________________________________________
         When we provide investment advice to clients regarding a retirement plan account or individual retirement account,
  we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal
  Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some
  conflicts with these client’s interests, so we operate under a special rule that requires us to act in clients best interest and
  not put our interest ahead of theirs. Under this special rule’s provisions, we must: meet a professional standard of care
  when making investment recommendations (give prudent advice); never put our financial interests ahead of the clients
  when making recommendations (give loyal advice), avoid misleading statements about conflicts of interest, fees, and
  investments, follow policies and procedures designed to ensure that we give advice that is in the client’s best interest:
  charge no more than is reasonable for our services: and give the basic information about conflicts of interest.