Frederick Financial Consultants LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Wrap Asset Management:
Please see our Wrap Fee Program Brochure for information regarding our fees and compensation for Wrap Asset
Management services.

Wrap Comprehensive Portfolio Management:
Please see our Wrap Fee Program Brochure for information regarding our fees and compensation for Wrap
Comprehensive Portfolio Management services.

Financial Planning & Consulting:
Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total estimated fee, as
well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client. The maximum
hourly fee to be charged will not exceed $400. Flat fees range from $500 to $10,000. The maximum asset-based fee for
this service will not exceed 0.50% of assets managed. We also offer this service on a recuring basis charged a flat, or
percent managed. Recurring fees will not exceed $10,000 nor represent a fee of more than 0.50% of the client’s assets
under management. Our firm requires full payment of the ultimate planning or consulting fee at the time of signing a
consulting agreement with our firm, or once annually for our recuring planning clients. Our firm will not require a retainer
exceeding $1,200 when services cannot be rendered within 6 months.

Retirement Plan Consulting:
Our firm charges a fee based on the percentage of Plan assets under management for Retirement Plan Consulting
services. The total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. Fees based on a percentage of managed Plan assets will not exceed 1.00%. The fee-paying
arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Non-Wrap Clients will incur transaction fees for trades executed by their chosen custodian, based on a individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be disclosed by the chosen
custodian. Fidelity Brokerage Services (“Fidelity”) eliminated transaction fees for U.S. listed equities and exchange
traded funds for clients who opt into electronic delivery of statements or maintain at least $1 million in assets at Fidelity.
Clients who do not meet either criteria will be subject to transaction fees charged by Fidelity for U.S. listed equities and
exchange traded funds. Charles Schwab & Co., Inc. (“Schwab”), does not charge transaction fees for U.S. listed equities
and exchange traded funds

Clients may also pay holdings charges imposed by the chosen custodian for certain investments, charges imposed
directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus (e.g.,
fund management fees, distribution fees, surrender charges, variable annuity fees, IRA and qualified retirement plan
fees, mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire
transfer fees and other fees and taxes on brokerage accounts and securities transactions). Our firm does not receive a
portion of these fees.

Wrap clients will not incur transaction costs for trades by their chosen custodian. More information about this can be
found in our separate Wrap Fee Program Brochure.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Wrap Asset Management or Wrap
Comprehensive Portfolio Management services in writing at any time. Upon notice of termination pro-rata advisory fees
for services rendered to the point of termination will be charged. If advisory fees cannot be deducted, our firm will send
an invoice for due advisory fees to the client.

ADV Part 2A – Firm Brochure                      Page 6                                 Veridian Capital Partners

Financial Planning & Consulting clients may terminate their agreement at any time before the delivery of a financial plan
by providing written notice. For purposes of calculating refunds, all work performed by us up to the point of termination
shall be calculated at the hourly fee currently in effect. Clients will receive a pro-rata refund of unearned fees based on
the time and effort expended by our firm.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing written notice to the
other party. Full refunds will only be made in cases where cancellation occurs within 5 business days of signing an
agreement. After 5 business days from initial signing, either party must provide the other party 30 days written notice to
terminate billing. Billing will terminate 30 days after receipt of termination notice. Clients will be charged on a pro-rata
basis, which takes into account work completed by our firm on behalf of the client. Clients will incur charges for bona
fide advisory services rendered up to the point of termination (determined as 30 days from receipt of said written notice)
and such fees will be due and payable.

Commissionable Securities Sales

Representatives of our firm are registered representatives of Purshe Kaplan Sterling Investments, Inc. (“PKS”), member
FINRA/SIPC. As such they are able to accept compensation for the sale of securities or other investment products,
including distribution or service (“trail”) fees. Clients should be aware that the practice of accepting commissions for the
sale of securities presents a conflict of interest and gives our firm and/or our representatives an incentive to recommend
investment products based on the compensation received. Our firm generally addresses commissionable sales conflicts
that arise when explaining to clients these sales create an incentive to recommend based on the compensation to be
earned and/or when recommending commissionable mutual funds, explaining that “no-load” funds are also available.
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Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:

    •    Individuals and High Net Worth Individuals;
    •    Trusts, Estates or Charitable Organizations;
    •    Corporations, Limited Liability Companies and/or Other Business Types

Additionally, clients who opt into electronic delivery of statements or maintain at least $1 million in assets at Fidelity will
not be charged transaction fees for U.S. listed equities and exchange traded funds.