Forefront Wealth Partners LLC

Fees and Compensation

Our fees and compensation vary based on the type of advisory service we provide. The fees and compensation for
each of our advisory services are discussed below.

Please note that unless a client has received the firm’s Brochure at least 48 hours prior to signing the investment
advisory contract, the client may terminate the contract within five (5) business days of signing without incurring any
advisory fees or penalty.

Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the amount of
time remaining in the billing period. An account may be terminated with written notice at least 30 calendar days in
advance. Upon termination of the account, any unearned fee will be refunded to the client.

Investment Management Fees
Our standard investment management fee is based on either the market value of the client’s assets under
management (AUM) or a flat annual fee. In both cases, the fees are negotiable, prorated, and paid in advance on
a monthly basis. For clients who are charged a fee based on assets under management (AUM), the advisory fee is a
percentage of AUM and is applied to the account value as of the last day of the previous month. The monthly fee is
calculated as a blended rate.

Advisory fees are directly debited from client accounts, or the client may choose to pay by check or electronic
funds transfer. No increase in the annual fee shall be effective without the client’s agreement, as evidenced by
their signing a new agreement or an amendment to their current advisory agreement. Fees for using third-party
managers, outside managers, or sub-advisors will be charged in accordance with the client’s advisory agreement.
Total fees charged by both parties will not exceed 3% of assets under management per year. Upon termination of
the account, any unearned fee will be refunded to the client.

Financial Planning Fees
Forefront allows financial planning clients to determine the frequency of their fee payments based on what is
most convenient for them. Fees for financial planning services may be paid upfront, monthly, or quarterly.

      •	   Hourly Fees: With hourly rates ranging from $150 to $1,000 an hour, depending upon the level and
           scope of the service(s) required and the professional(s) rendering the service(s). Forefront will provide
           the client with an agreement setting forth the terms and conditions of the engagement (including
           termination), describing the scope of the services to be provided, and how fees will be assessed and
           paid.

      •	   Fixed Fees: With fixed fees ranging from $2,500 to $100,000, depending upon the level and scope of
           the service(s) required and the professional(s) rendering the service(s). Forefront will provide the client
           with an advisory agreement setting forth the terms and conditions of the engagement (including
           termination), describing the scope of the services to be provided, and how fees will be assessed and
           paid.

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Estate Planning Coordination Fees
Clients retaining Forefront for estate planning coordination services will pay a fixed fee to cover the cost of
EncorEstate Plans. Fixed-fee rates range from $300 to $10,000. The fee range depends on variables such as
the client’s specific needs, complexity, and required resources. Fees are negotiable, and the final agreed-upon
fee will be outlined in the client’s advisory agreement. 100% of the fee is due upfront, or it can be paid for in two
installments: 50% due upfront and 50% due after the plan has been delivered. If the client requests deed work,
the client will pay these fees separately.

Cash Management Fees
For both StoneCastle Cash Management, LLC, and Flourish Cash, Forefront receives an administrative service
annual fee of 0.15% of the client’s StoneCastle or Flourish Cash account if the client participates in the respective
cash management program. This fee is deducted from the client’s overall APY. This fee is not negotiable. This is
separate from Forefront’s investment management fees.

Other Types of Fees and Expenses

Our fees exclude brokerage commissions, transaction fees, and other related costs and expenses, which may be
incurred by the client. Clients may 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. 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 our fee, and we shall not receive any portion
of them.

Item 12 further describes the factors we consider when selecting or recommending broker-dealers for client
transactions and when determining the reasonableness of their compensation (e.g., commissions).

We do accept compensation for the sale of securities or other investment products, including asset-based
sales charges or service fees from the sale of mutual funds. As a result, a conflict of interest exists because
Forefront has an incentive to recommend products to clients for which it earns compensation. Nonetheless, such
recommendations are made only when they are in the clients’ best interests. Clients can purchase recommended
investment products through other brokers or agents who are not affiliated with Forefront.

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Types of Clients

We provide financial planning and portfolio management services to individuals, high-net-worth individuals,
and corporations or other businesses. We do not have a minimum account size requirement for any investment
management services. Forefront does not have any additional requirements for opening or maintaining an
account.

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