First Light Wealth Advisors LLC

Item 5. Fees and Compensation
      FLWA offers services on a fee basis, which includes fixed fees and fees based upon assets under
      management. Additionally, certain of the Firm’s Supervised Persons, in their individual capacities, offers
      insurance products under a separate commission-based arrangement. Comparable services may be available
      from other sources for lower fees.

      Investment Management Fees

      FLWA offers investment management services for an annual fee based on the amount of assets under the
      Firm’s management. This management fee varies between 25 and 150 basis points (0.25% – 1.50%),
      depending upon the size and composition of a client’s portfolio and the type of services rendered.

      The annual fee is prorated and charged monthly (the “billing period”), in advance, based upon the market
      value of the assets being managed by FLWA on the last day of the previous billing period as determined
      by a party independent from the Firm (including the client’s custodian or another third-party). If assets
      held with the primary custodian that the Firm recommends are deposited into or withdrawn from an account

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 Disclosure Brochure                                               First Light Wealth Advisors, LLC

      after the inception of a billing period, the fee payable with respect to such assets will be prorated. For assets
      held outside of the primary custodian that the Firm recommends, the Firm’s billing procedures may differ
      since that other custodian is doing the calculations. For those held-away assets, FLWA does not prorate
      fees deposited or withdrawn unless that custodian does so pursuant to their terms. For the initial period of
      an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement is terminated,
      the fee for the final billing period is prorated through the effective date of the termination and the
      outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate. The Firm
      processes such refunds with or without a written request from the client, nonetheless, clients may confirm
      requests for refunds in writing.

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm
      may, in its sole discretion, not include cash in determining the fee, especially where a client has a high
      percentage of cash for reasons other than the Firm's investment management decision. Additionally, for
      asset management services the Firm provides with respect to certain client holdings (e.g., held-away assets,
      accommodation accounts, alternative investments, etc.), FLWA may negotiate a fee rate that differs from
      the range set forth above.

      Alternatively, the Firm may negotiate a fixed fee for investment management or for more limited advice
      (such as periodic reviews of a client’s retirement accounts). The fixed fee will vary between $250 and
      $1,000, depending on the advice given and the person giving the advice.

      Clients are advised that a conflict of interest exists for the FLWA to recommend that clients engage the
      Firm for additional services for compensation, including rolling over retirement accounts or moving other
      assets to the Firm’s management. Clients retain absolute discretion over all decisions regarding engaging
      the Firm and are under no obligation to act upon any of the recommendations.

      Retirement Plan Consulting Fees
      FLWA charges an asset-based fee to provide clients with retirement plan consulting services. Each
      engagement is individually negotiated and tailored to accommodate the needs of the individual plan
      sponsor, as memorialized in the Agreement. These fees vary between 19 and 50 basis points (0.19% –
      0.50%) depending upon the amount of assets to be advised on.

      Fee Discretion

      FLWA may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
      anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
      managed, related accounts, account composition, pre-existing/legacy client relationship, account retention
      and pro bono activities.

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 Disclosure Brochure                                               First Light Wealth Advisors, LLC

      Additional Fees and Expenses

      In addition to the advisory fees paid to FLWA, clients also incur certain charges imposed by other third
      parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
      (collectively “Financial Institutions”). These additional charges include securities brokerage commissions,
      transaction fees, custodial fees, fees attributable to alternative assets, fees charged by the Independent
      Managers, margin costs, charges imposed directly by a mutual fund or ETF in a client’s account, as
      disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), 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. The Firm’s brokerage practices are described at length
      in Item 12, below.

      Direct Fee Debit

      Clients provide FLWA and/or certain Independent Managers with the authority to directly debit their
      accounts for payment of the investment advisory fees. The Financial Institutions that act as the qualified
...

Item 7. Types of Clients
      FLWA offers services to individuals, pension and profit sharing plans, trusts, estates, corporations and
      business entities. FLWA does not impose a stated minimum fee or minimum portfolio value for starting
      and maintaining an investment management relationship.