Dopkins Wealth Management LLC

Item 5 – Fees and Compensation

Investment Management Services

The annual fee for Dopkins Wealth’s investment management services is charged on a
quarterly basis and is based on a percentage of the assets under management/advisement
and typically ranges from 0.50% to 1.50% per year depending on the size and complexity of
the client’s accounts as well as services required. Fees will typically be tiered, and the fee is
calculated by applying a different fee rate to each corresponding range of account balance of
the portfolio. The specific fee schedule charged by Dopkins Wealth is established in a client’s
written agreement with Dopkins Wealth. Advisory fees shall apply to cash balances unless
negotiated otherwise.

All accounts for members of the client’s family (husband, wife and dependent children) or
related businesses may be assessed fees based on the total balance of all accounts. Accounts
exceeding $2 million may be subject to lower negotiated fees.
Dopkins Wealth may occasionally enter into an agreement with a client to charge an annual
flat fee and billing for the amount on a quarterly basis.

Independent Manager Fees

As stated above in Item 4, Dopkins Wealth (in coordination with the client) may decide to
implement Independent Managers for the management of portfolios of individual securities.
When Dopkins utilizes AQR for this service, AQR will charge its own separate and distinct
fee from Dopkins Wealth’s advisory fees, which are noted above. Clients grant AQR authority
to directly debit the client’s accounts for AQR’s fee. Additionally, clients are required to sign
an advisory agreement addendum with Dopkins Wealth 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 in
accordance with the same fee schedule above.

Additional ERISA Fiduciary Analysis

Dopkins Wealth generally charges a flat fee for additional ERISA Fiduciary Analysis that will
vary based on the specific areas contracted for review. See description of possible areas in
service description above. A complete fiduciary analysis may range up to $25,000. Reviews
limited to only certain areas described in the service description may be charged partial fees.
Fees will be involved 50% in advance with the remaining fee due upon completion.

Additional General Information

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

Billing Arrangements: Clients will be invoiced in advance at the beginning of each calendar
quarter based upon the value of the client's account at the end of the previous quarter. The
market value will be based on independent third- party sources or fair market value in the
absence of market value; client account balances on which Dopkins Wealth 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. New accounts are charged a prorated fee for the remainder of the quarter in
which the account is incepted (date of first trade), or from the start of the first full month
following the deposit of client assets.

Dopkins Wealth will request authority from the client to delegate discretion to trade in the
client’s account, and to receive quarterly payments directly from the client's account held by
an independent custodian. Clients may provide written limited authorization to Dopkins
Wealth 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).
Certain third-party administrators will calculate and debit Dopkins Wealth’s fee and remit
such fee to Dopkins Wealth. In addition, certain third-party administrators for participant-
directed retirement plans may actually calculate the fee based on their records and remit
such fee to Dopkins Wealth. Administrators may use varying billing dates and billing periods.

A client agreement can be canceled at any time with mutual consent, by either party. Either
party may also terminate the agreement with 30 days written notice. Upon termination of
any account, any prepaid, unearned fees will be promptly refunded.

All fees paid to Dopkins Wealth for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds to their shareholders. These fees and
expenses are described in each fund's prospectus. These fees will generally include a
management fee, other fund expenses, and a possible distribution fee. A client could invest
in mutual funds directly, without the services of Dopkins Wealth. In that case, the client
would not receive the services provided by Dopkins Wealth which are designed, among other
things, to assist the client in determining which mutual fund or funds are most appropriate
to each client's financial condition and objectives.

Dopkins Wealth’s fees are exclusive of brokerage commissions, transaction fees, and other
related costs and expenses which shall be incurred by the client. Clients can incur certain
charges imposed by custodians, brokers, and other third parties such as custodial fees,
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund
fees, and other fees and taxes on brokerage accounts and securities transactions. Such
charges, fees and commissions are exclusive of and in addition to Dopkins Wealth’s fee, and
Dopkins Wealth shall not receive any portion of these commissions, fees, and costs.

Item 7 – Types of Clients

Dopkins Wealth manages investment portfolios for individuals, high net worth individuals,
qualified retirement plans, trusts, and small businesses. Dopkins Wealth requires a

minimum annual fee of $3,500. Dopkins Wealth may, however, waive this minimum at its
discretion.

A separate negotiable minimum of $200,000 of assets under management is required. This
minimum may be waived if the client demonstrates the ability to achieve this minimum
through capital contributions within a reasonable period not to exceed one year.

An additional separate minimum of $500,000 is generally required for management services
involving portfolios of individual fixed income securities.