Cogent Strategic Wealth LLC

Item 5 – Fees and Compensation

Cogent is a Fee-Only Financial Advisor and is compensated solely by the client with neither Cogent nor any

related party receiving compensation that is contingent on the purchase or sale of a financial product. Cogent
does not receive commissions, rebates, awards, finder’s fees, bonuses, or other forms of compensation from others
as a result of a client’s implementation of the individual’s planning recommendations.

Wealth Management Services Fees
Wealth Management services are based on a percentage of assets that CSW manages according to the schedule below:

                     Total Assets Under Management                       Annual Fee
                          On the First $1,000,000                           1.00%
                          On the Next $4,000,000                            0.80%
                         On the Next $10,000,000                            0.60%
                    On all amounts Above $15,000,000                        0.50%

In order to effectively serve the needs of our clients, Cogent Strategic Wealth has a household minimum fee of
$3,750 per quarter based on our account minimum policy. As Cogent Strategic Wealth provides value and
services from the onset of the client relationship through our holistic client process, Cogent will apply the quarterly
household minimum immediately following the signing of the client’s agreement, regardless of account values.
Cogent Strategic Wealth retains the right to make exceptions to the fees and account minimums based on the
discretion of Cogent Strategic Wealth.

Independent Manager Fees

As stated above in Item 4, CSW (in coordination with the client) may decide to implement DFA and/or AQR as an
Independent Manager for the management of portfolios of individual securities. In these instances, DFA and/or
AQR will charge its own separate and distinct fee from CSW’s advisory fees, which are noted above. Clients
grant DFA and/or AQR authority at the client’s custodian for DFA and/or AQR to directly debit client accounts for
the Independent Manager’s fee.

Additionally, clients are required to sign an advisory agreement addendum with CSW which outlines these
additional fees.

Employee Benefit Retirement Plan Services

The annual fee for plan services will be charged as a percentage of assets within the plan. The chart below is for
plans utilizing the services of FPAS. For plans NOT using FPAS, the total fee will remain the same but all fees will be
to CSW.

       Assets Under Advisement               FPAS                     CSW’s                    Total Fee
                                           Annual Fee               Annual Fee

        On the First $1,000,000              0.20%                     0.70%                    0.90%
        On the Next $4,000,000               0.15%                     0.45%                    0.60%
        On the Next $5,000,000               0.08%                     0.25%                    0.33%

          On all amounts Above               0.05%                     0.15%                    0.20%
             $10,000,000

In certain circumstances, all fees, account minimums and their applications to family circumstances, firm affiliations
and certain individual circumstances may be negotiable.

CSW has contracted with FPAS for services including trade processing, collection of management fees, record
maintenance, report preparation, marketing assistance, and research. CSW has also contracted with FPAS for sub-
advisory services with respect to clients’ accounts. CSW pays a fee for FPAS services based on management fees
paid to CSW on accounts that use FPAS. The fee paid by CSW to FPAS consists of a portion of the fee paid by
clients to CSW and varies based on the total client assets administered and/or sub-advised by FPAS through
CSW. These fees are not separately charged to advisory clients. The fee charged by CSW to its clients includes
all sub-advisory fees charged by FPAS.

The specific manner in which fees are charged by CSW is established in a client’s written agreement with CSW.
Clients will be charged in arrears at the beginning of each calendar quarter based upon the value (market value
or fair market value in the absence of market value; client account balances on which CSW calculates fees may
vary from account custodial statements based on independent asset valuations and other accounting variances,
including mechanisms for including accrued interest in account statements) of the client's account at the end of the
previous quarter. New accounts are charged a prorated fee for the remainder of the quarter in which the account
is incepted. CSW charges fees in arrears; no fee refund policy is necessary.

CSW will request authority from the client to receive quarterly payments directly from the client's account held by
an independent custodian. Clients may provide written limited authorization to CSW or its designated service
provider, FPAS, to withdraw fees from the account. Clients will receive custodial statements showing the advisory
fees debited from their account(s).

A client agreement may be canceled at any time, for any reason, and by either party upon receipt of 30 days’
written notice.

CSW’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party
investment and other third parties such as fees charged by managers, custodial fees, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and ETFs also charge internal management fees, which are disclosed in a fund’s
prospectus. These fees will generally include a management fee and other fund expenses. All fees paid to CSW
...

Item 7 – Types of Clients

CSW generally provides Wealth Management Services to individuals, including high net worth individuals, trusts
and charitable organizations.

There is a household account minimum, $3,000,000, which may be waived by CSW based on the needs of the
client and the complexity of the situation.

Our minimum fee for investment services is $3,750 per quarter. CSW may choose to accept accounts below the
minimum and accept lower minimum fees per quarter at its discretion.

Please refer to Item 5 of this Brochure for complete detail.