Emerant Wealth LLC

Item 5          Fees and Compensation

   A.
                                   INVESTMENT ADVISORY SERVICES

         If a client determines to engage the Registrant to provide discretionary investment
         advisory services on a fee-only basis, the Registrant’s annual investment
         management fee shall generally be a flat fee of 1.00% of the total assets placed under
         the Registrant’s management/advisement.

         Please Note: Margin Accounts The Registrant does not recommend the use of
         margin. However, should a client determine to use margin, the Registrant will include
         the entire market value of the margined assets when computing its advisory fee.
         Accordingly, the Registrant’s fee shall be based upon a higher margined account
         value, resulting in the Registrant earning a correspondingly higher advisory fee. As a
         result, the potential of conflict of interest arises since the Registrant may have an
         economic disincentive to recommend that the client terminate the use of margin. The
         Registrant’s Chief Compliance Officer, Andrea W. Johnson, remains available
         to address any questions regarding the above.

                   FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)

         To the extent specifically requested by a client, the Registrant may determine to
         provide financial planning and/or consulting services (including investment and non-
         investment related matters, including estate planning, insurance planning, etc.) on a
         stand-alone fee basis. Registrant’s planning and consulting fees are negotiable, but
         generally range from $500 to $50,000 on a fixed fee basis, and from $75 to $450 on
         an hourly rate basis, depending upon the level and scope of the service(s) required
         and the professional(s) rendering the service(s).

         Fee Dispersion. Our investment advisory fee is negotiable at our 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 us and/or its
         representatives, and negotiations with you. As a result of these factors, similarly
         situated clients could pay different fees, the services to be provided by us to any
         particular client could be available from other advisers at lower fees, and certain
         clients may have fees different than those specifically set forth above. Registrant’s
         Chief Compliance Officer, Andrea Johnson, remains available to address any
         questions that a client or prospective client may have regarding the above fee
         determination.

                                                                                            Page | 12

   SCHWAB INTELLIGENT PORTFOLIOS

   When consistent with a client’s investment objectives, Registrant may provide
   portfolio management services through an automated, online investment
   management platform. Through the Program, Registrant offers clients a range of
   investment strategies it has constructed and manages each consisting of a portfolio
   of exchange traded funds (“ETFs”) and a cash allocation. Registrant’s investment
   management fee for Program accounts shall be based upon a percentage (%) of the
   market value of the assets placed under Registrant’s management. Currently,
   Registrant charges a 1.0% fee on all Program assets

   As described above, clients do not pay fees to SPT or brokerage commissions or
   other fees to CS&Co as part of the Program. Schwab does receive other revenues in
   connection with the Portfolios. Specifically, Schwab Bank® earns interest revenue on
   the cash in Program accounts. Also, Schwab affiliates can earn revenue from the
   underlying assets in Program accounts. This revenue comes from managing Schwab
   ETFs™ and providing services relating to third-party ETFs that Registrant may select
   for the portfolios. Finally, Schwab may receive payments from the trading firms and
   exchanges where ETF trades are routed for execution.

   As described in Item 4 Advisory Business, clients do not pay fees to SWIA or
   brokerage commissions or other fees to CS&Co as part of the Program. Schwab does
   receive other revenues in connection with the Program, as described in the Program
   Disclosure Brochure. Brokerage arrangements are further described below in Item 12

Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, pension and profit-sharing
         plans, business entities, trusts, estates and charitable organizations. As discussed in
         Item 5.D above, the Registrant generally requires a $250,000 minimum asset level
         for investment advisory services. Under the Program, the minimum account balance
         to enroll in the tax-loss harvesting feature is $50,000. The Registrant, in its sole
         discretion, may reduce its investment management fee and/or reduce or waive its
         minimum asset requirement 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, 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.