Crossgate Wealth Advisors LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign one or more agreements that detail the responsibilities of Crossgate and the
Client.

A. Fees for Advisory Services
Financial Planning Services-Stand-Alone engagement
Financial plans are based on an hourly rate of $250 per hour. After the initial meeting with the Client, we
will present a financial planning agreement which states the hourly fee and a maximum total cost of the
service based upon the number of hours we expect to spend on the services listed in the agreement. The
Client will not be billed more than the maximum amount stated in the agreement even if we spend more
hours than we estimated. The maximum fee will include a meeting with the Client to present a written
financial plan. If the Client requests additional services be performed after the presentation of the financial
plan, the Client will be informed that there will be additional charges at $250 per hour. These activities may
include helping the Client implement some or all of the recommendations, creating additional scenarios for
retirement projections or answering new questions posed by the Client.

The average financial plan takes about ten hours to complete but may take more time if the situation is
more complicated. Therefore, financial plans can cost the Client from $2,500 to $5,000 depending on the
complexity of the Client's financial situation. The hourly rate is not negotiable. That would change the
maximum cost of the financial planning engagement for the Client as well as the scope of the engagement.

Investment Advisory Services
Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
investment advisory agreement.

Investment advisory fees are based on the following schedule:

                    Assets Under Management ($)               Annual Rate (%)
                     First $1,000,000                             1.00%
                     Next $1,000,000                              0.75%
                     Next $1,000,000                              0.50%
                     Next $1,000,000                              0.40%
                     Next $1,000,000                              0.30%
                     Over $5,000,000                              0.20%

Fees are negotiable at the sole discretion of the Advisor. The Investment advisory fee in the first quarter of
service is prorated from the inception date of the account[s] to the end of the first quarter. The Client’s fees
will take into consideration the aggregate assets under management with the Advisor. All securities held in
accounts managed by Crossgate will be independently valued by the Custodian. Crossgate will conduct
periodic reviews of the Custodian’s valuations.

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.

                                         Crossgate Wealth Advisors, LLC
                                Phone: (215) 860-2234 Email: john@crossadvisors.com
                                               www.crossadvisors.com

Fee Dispersion. Crossgate, in its discretion, may charge a lesser investment advisory fee, charge a flat
fee, waive its fee entirely, or charge fees on a different interval, based upon certain criteria (i.e. anticipated
future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
accounts, account composition, complexity of the engagement, anticipated services to be rendered,
grandfathered fee schedules, employees and family members, courtesy accounts, competition,
negotiations with client, etc.). Please Note: As result of the above, similarly situated clients could pay
different fees. In addition, similar advisory services may be available from other investment advisers for
similar or lower fees. ANY QUESTIONS: Crossgate’s Chief Compliance Officer, John D. Rea, remains
available to address any questions that a client or prospective client may have regarding advisory fees.

B. Fee Billing
Financial Planning Services
Financial planning fees are invoiced 50% upon signing of the financial planning agreement and 50% after
the financial plan has been presented.

Investment Management Services
Investment advisory fees will be calculated by the Advisor and deducted from the Client’s account[s] at the
Custodian. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total
assets under management with Crossgate at the end of each quarter. We prefer that we deduct our Clients'
fees directly from an account held at the Custodian. However, each Client may elect to pay us directly after
receiving an invoice. Invoices are sent out at the end of each calendar quarter. That is when the fees are
deducted from the Client's account if that is the payment method approved by the Client. It is the
responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage
statement as the Custodian does not assume this responsibility. Clients provide written authorization
permitting advisory fees to be deducted by Crossgate directly from their accounts held by the Custodian as
part of the investment advisory agreement and separate account forms provided by the Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Crossgate, 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 and executing broker-dealer, if applicable. The Advisor's
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Item 7 – Types of Clients
Crossgate provides advisory services to individuals and high net-worth individuals, trusts and estates. The
amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change
over time and are updated at least annually by the Advisor. We generally do not have a minimum
relationship size or minimum fee requirement for new Clients. However, we would not enter into an
investment advisory agreement if the amount being managed would not be economical for the Client.