Destiny Wealth Partners LLC

Item 5          Fees and Compensation
  A.
                       DESTINY WEALTH PARTNERS WRAP FEE PROGRAM

  1) If a client determines to engage Registrant to provide investment management services on a wrap fee
     basis in accordance with Registrant’s Program, the services offered under, and the corresponding
     terms and conditions pertaining to, the Program are discussed in the Wrap Fee Program Brochure, a
     copy of which is presented to all prospective Program participants. Under the Program, Registrant is
     able to offer participants discretionary investment management services, for a single specified annual
     Program fee, inclusive of trade execution, custody, reporting, and investment management fees. The
     wealth management fee is based on all investment assets (including cash and cash equivalents)
     regardless of where held, including investment assets held within insurance products, non-qualified
     and qualified plans, trusts and other entities or vehicles. Please see Wrap Fee Brochure for the Wrap
     Fee Program Fee Schedule. Please note that, in certain instances, a wrap fee negotiable up to 1.80%
     may be negotiated with the client. This may depend upon the amount and type of program assets.
     Please Note: Your account custodian, (Fidelity, First Trust or Schwab), stopped charging transaction
     fees for the majority of individual equities (i.e., common stocks and ETFs). As the result of the
     custodian decisions, total transaction fees paid by Registrant under the Registrant’s wrap program
     decreased. Other custodial and transaction charges remain applicable to your account and are covered
     as part of the wrap fee. Registrant did not alter its advisory fee schedule as result of this change.

       The Firm’s policy is to not charge for intra-quarter additions or withdrawals-unless indicated to the
       contrary on the Firm’s Investment Advisory Agreement executed by the client.

       Please Note: Conflict of Interest. Registrant shall generally compensate its representatives based upon
       the revenues derived from accounts that they service. The representative generally maintains the
       authority to determine/negotiate the percentage advisory fee. Thus, a conflict of interest is presented
       because the higher the advisory fee, the greater the representative’s (and Registrant’s) compensation.

                             Wrap Fee Schedule for Investment Advisory Services.

       If a client determines to engage the Registrant to provide discretionary and/or non-discretionary
       investment advisory services on a negotiable fee basis, the Registrant’s annual investment advisory
       fee shall be based upon a percentage (%) of the market value of the assets placed under the
       Registrant’s management, generally ranging between 0.50% and 1.80%

                                 Wealth Management and Financial Planning

                   RWM Main Fee schedule                              Annual % Fee
                   First $250,000                                     1.80%
                   $250,000 - $1,000,000                              1.45%
                   $1,000,000 - $3,000,000                            1.25%
                   $3,000,000 - $5,000,000                            1.00%
                   $5,000,000 - $10,000,000                           0.75%
                   Over $10 Million                                   Negotiated

       The Registrant also maintains certain legacy wrap fee schedules for a small number of longstanding
       clients. These fee schedules are generally not offered to the Registrant’s new clients. These fee

schedules were offered historically to certain long-term legacy clients of the firm. To the extent that
these clients have maintained their investment advisory relationship with the Registrant, they have
been grandfathered to remain on these respective fee schedules. In certain cases, legacy clients may
have negotiated a lower fee schedule than the ranges set forth in these legacy client fee schedules.

 RWM – 145 Schedule                                  Annual % Fee
 First $2,000,000                                    1.45%
 $2,000,000 - $5,000,000                             1.25%
 Over $5,000,000                                     1.00%

 RWM – 125 Schedule                                  Annual % Fee
 First $1,000,000                                    1.25%
 $1,000,000 - $3,000,000                             0.85%
 $3,000,000 - $5,000,000                             0.75%
 $5,000,000 - $10,000,000                            0.50%
 Over $10,000,000                                    Negotiable

If the Registrant elects to utilize separate account managers in a client’s portfolio, the client’s
combined fee for Registrant’s management services and the fees charges by any third party manager
shall not exceed 2.5% of the client’s assets under management.

Fee Dispersion: The Registrant’s investment advisory fee is negotiable at Registrant’s discretion,
depending upon objective and subjective factors including but not limited to: the amount of assets to
be managed; portfolio composition; the scope and complexity of the engagement; the anticipated
number of meetings and servicing needs; related accounts; future earning capacity; anticipated future
additional assets; the professional(s) rendering the service(s); prior relationships with the Registrant
and/or its representatives, and negotiations with the client. Certain legacy clients may have accepted
different pre-existing service offerings from Registrant and may therefore receive services under
different fee schedules than as set forth above. As a result of these factors, similarly situated clients
could pay different fees, the services to be provided by the Registrant to any particular client could
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Item 7         Types of Clients

     Account Minimums
     The Registrant does not require a minimum account size or annual minimum fee level. Registrant, in
     its sole discretion, may reduce or waive its investment advisory fee or account minimums based upon
     certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, familial
     relationship, dollar amount of assets to be managed, related accounts, account composition,
     negotiations with the client, etc.).

     The Registrant’s clients generally include wealth management clients, and retirement plans. The
     Registrant does not generally require an annual minimum fee or asset level for investment services.
     Registrant, in its sole discretion, may reduce or waive its investment advisory fee or account
     minimums based upon certain criteria (i.e. anticipated future earning capacity, anticipated future
     additional assets, familial relationship, dollar amount of assets to be managed, related accounts,
     account composition, negotiations with the client, etc.). The Registrant, in its sole discretion, may
     charge a lesser investment management fee 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, 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: Registrant’s Chief
     Compliance Officer, Thomas H. Ruggie, remains available to address any questions that a client or
     prospective client may have regarding advisory fees.