C2C Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid monthly, advance of each month pursuant to the terms of the wealth management
agreement. Wealth management fees are based on the market value of assets under management at the end of the
prior month. Wealth management fees up to 2.25% annually based on several factors, including: the scope and
complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the
Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first monthly. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
C2C will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with
an increased level of assets placed under management with an Independent Manager. The Advisor will allocate a
portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed agreement
between the Advisor and the Independent Manager. If the Client is required to authorize and enter into a wealth
management agreement with an Independent Manage then the terms of such fee arrangements are included in the
Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total
blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.25% annually

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the
Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from
the Client’s account[s] at the beginning of each month. The amount due is calculated by applying the monthly rate
(annual rate divided by 12) to the total assets under management with C2C at the end of the prior month. Clients will
be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee.
Clients are urged to also review the brokerage statement from the Custodian, as the Custodian does not perform a
verification of fees. Clients provide written authorization permitting advisory fees to be deducted by C2C to be paid
                                               C2C Wealth Management, LLC
                                  32531 N Scottsdale Rd, Suite 105-121, Scottsdale, AZ 85266
                                                    Phone: (646) 222-7440
                                                    https://c2cwealth.com

directly from their account[s] held by the Custodian as part of the wealth management agreement and separate account
forms provided by the Custodian.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees may include C2C’s
management fee (as noted above) plus management fees and/or platform fees charged by the Independent
Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility
for calculating the Client’s fees and deduct all fees from the Client’s account[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than C2C, in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees
charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities
transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and
conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds
and other types of investments. The fees charged by C2C are separate and distinct from these custody and execution
fees.

In addition, all fees paid to C2C for investment advisory services are separate and distinct from the expenses charged
by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s
prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund
expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee.
A Client may be able to invest in these products directly, without the services of C2C, but would not receive the
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Item 7 – Types of Clients

C2C offers investment advisory services to individuals, high net worth individuals, trusts, and estates. C2C generally
does not impose a minimum relationship size.