Item 5 Fees and Compensation
Compensation for Our Advisory Services
Financial Planning & Consulting
Our firm charges on an hourly or flat fee basis for financial planning and consulting services, only for
stand-alone services. The total estimated fee, as well as the ultimate fee charged, is based on the
scope and complexity of our engagement with the client. The maximum hourly fee to be charged will
not exceed $250. Flat fees range from $1,500 to $10,000. The fee-paying arrangements for Financial
Planning & Consulting service will be determined on a case-by-case basis and will be detailed in the
signed consulting agreement. Our firm will not require a retainer exceeding $1,200 when services
cannot be rendered within 6 months.
Retirement Plan Consulting
Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the
percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum
hourly fee to be charged will not exceed $250. Fees based on a percentage of managed Plan assets
will not exceed 1.60%. The fee-paying arrangements for Retirement Plan Consulting service will be
determined on a case-by-case basis and will be detailed in the signed consulting agreement. Clients
will be invoiced directly for the fees.
Investment Advisory Services - Separately Managed Accounts
The total annual advisory fee shall not exceed 1.60% of the market value of your assets under
management. The fees for Investment Advisory Services depend upon the market value of your assets
under our management. In special circumstances, and in our sole discretion, we may negotiate a
lesser Program fee based upon certain criteria (i.e., the dollar amount of assets to be managed,
related accounts, potential future assets, account composition, pre-existing client relationship, account
retention, etc.). Assets in each of your account(s) are included in the fee assessment unless
specifically identified in writing for exclusion. Our annual portfolio management fee is billed and
payable quarterly in advance, based on the value of the account(s) on the last day of the previous
quarter. Fee adjustments will be made for individual deposits or withdrawals during the quarter in
excess of $2,500. Typically, the fee will be deducted from the account being managed, but may, if the
client desires, be paid from another account or directly invoiced to you.
If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro-rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client.
At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.
We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy. If you have any questions about the
statement(s) you receive from the qualified custodian call our main office number located on the cover
page of this brochure.
Divergent Wealth Signature Portfolios
Accounts in this arrangement are subject to the agreed-upon advisory fee set forth in the
Signature Professional Program Agreement and, if applicable, are included as assets that
determine the amount Divergent Wealth may pay towards costs incurred by engaging a Signature
Professional as outlined below. Our advisory fee may be withdrawn from another account if
authorized by you.
Divergent Wealth Fixed Income Portfolios
Accounts in this arrangement are subject to the agreed-upon advisory fee set forth in the
Signature Professional Program Agreement. However, they are NOT included as assets that
determine the amount Divergent Wealth may pay towards costs incurred by engaging a Signature
Professional. Our advisory fee may be withdrawn from another account if authorized by you.
Divergent Wealth Custom Portfolios
Accounts in this program are subject to the agreed-upon advisory fee set forth in the Signature
Professional Program Agreement. However, they are not included as assets that determine the
amount Divergent Wealth may pay towards costs incurred by engaging a Signature Professional.
Our advisory fee may be withdrawn from another account if authorized by you.
Divergent Wealth Portfolio Consulting Services
Accounts in this program are subject to the agreed-upon advisory fee set forth in the Signature
Professional Program Agreement. However, they are not included as assets that determine the
amount Divergent Wealth may pay towards costs incurred by engaging a Signature Professional.
Our advisory fee may be withdrawn from another account if authorized by you.
Divergent Wealth Courtesy Accounts
Accounts in this program are not subject to an advisory fee nor are they included as assets that
determine the amount Divergent Wealth may pay towards costs incurred by engaging a Signature
Professional. However, you are responsible to pay your own trading costs at the custodian's
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