Fenton Gregory Coleman

Item 5: Fees and Compensation

Advisor Fee-Only Retainer

Pursuant to an investment advisory contract signed by each client, the client will pay the Advisor an initial
year of open retainer of between $5,000-$50,000 and renewal years of an open retainer between $5,000 -
$50,000. Fees are calculated annually and payable monthly, quarterly, or semi- annually, in advance. This
fee may be negotiated by the Advisor. This fee is negotiated by the client and Advisor based on
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
managed, related accounts, account composition, negotiations with the client, etc. Fees will be
automatically deducted from the client account on a monthly, quarterly, or semi-annual basis by the
qualified custodian. The client will give written authorization permitting the Advisor to be paid directly from
their account held by the custodian.

              Retainer Fee Details: An open retainer provides comprehensive financial planning for a
              fixed fee over the course of one year. The client will have scheduled meetings during the
              initial year, depending on their individual situation, and generally annual reviews within
              the renewal years. In addition to scheduled meetings, additional face-to-face, email,
              and/or phone consultations are included at no additional charge. Services provided may
              include, but are not limited to: investment management, tax preparation, tax planning,
              insurance review, inventory of assets, analysis of financial goals, portfolio analysis,
              development of an asset allocation strategy, no-load mutual fund recommendations,
              retirement planning, and estate plan reviews.

              Initial Year Meetings: Scheduled meeting topics are listed below. CCCA will schedule
              meetings to cover those topics relevant to the client.

                 ●   Tax preparation - Budgeting and cash flow
                 ●   Tax planning - Record keeping
                 ●   Inventory of client assets - Retirement planning
                 ●   Portfolio analysis - Goal setting
                 ●   Develop asset allocation strategies - Estate planning review
                 ●   Recommend investments - Small business planning
                 ●   Insurance analysis - Education planning
                 ●   Analysis of employee benefits

              Renewal Years of Open Retainer - Typical scheduled meetings:
                ● Tax planning & Tax preparation - Goal setting/review
                ● Investment review/update - Rebalancing of assets
                ● Financial planning and/or any financial services as requested or needed by the client.

      Project/Financial Review Fee
      It is possible that the client may have limited concerns in which an open retainer relationship is not
      practical. Thus, project retainer services are narrower in scope as compared to the open retainer
      and usually focus on one or more of the following areas: goal setting, asset/liability analysis, tax
      planning, cash flow management, investment review, retirement planning, risk management, estate
      planning, and record keeping. The service includes various client consultations as well as written
      and/or oral recommendations resulting from such consultations. The Project Retainer does not
      constitute a comprehensive financial planning engagement. As such, follow-up advice and/or

implementation assistance is not provided following the completion of the project retainer agreement.
A Financial Review consists of a two-hour review of up to three financial planning topics selected in
advance by the client. No follow-up services are provided with the Financial Review. The cost for a
Financial Review is a flat fee of $1,500, due at the beginning of the Review appointment.

Additionally, tax return preparation is not automatically included with the project retainer, but may
be purchased as a separate service, at the client’s request, for an additional fee. If the client wishes
to upgrade to the open retainer option, they may receive credit toward open retainer fees for all
amounts paid under project retainer agreements for the past six months. Services under the project
retainer are provided on a flat-fee basis. Fees are due at the beginning of the engagement. At CCCA's
discretion, fees may be paid with one-half due at the beginning of the engagement and the
remainder upon completion. In no instance will CCCA collect $1,500 or more, nor more than six
months in advance of services.

Asset-Based Fees

 CCCA may charge an investment manager fee on certain accounts. The annual fee will be between
.25% and .50% of the total account value. No fee will be charged on cash, cash equivalents, or money
market funds.

Other fees
In addition to CCCA’s fee, clients may incur certain other fees and charges to implement CCCA’s
recommendations not listed above. Additional charges and fees will be imposed by custodians,
brokers, third party investment, and other third parties, related to the securities held in an account.
An example would be fees charged by sub-managers, custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes. Mutual
funds and exchange-traded funds also charge internal management fees, which are disclosed in a
fund’s prospectus. Such charges, fees, and commissions are exclusive of, and in addition to, CCCA’s
fee.

Item 7: Types of Clients
The Advisor will offer its services to individuals, pension and profit-sharing plans, trusts, estates, or
charitable organizations.

The Advisor’s cumulative minimum account requirement for opening and maintaining an account is
$100,000. However, based on facts and circumstances, the Advisor, at its sole discretion, can
negotiate to accept accounts with a lower value.