GBG Wealth Management LLC

Item 5           Fees and Compensation

   A. INVESTMENT MANAGEMENT SERVICES
      GBG’s annual investment advisory fee is paid quarterly in advance, under the terms and
      conditions of an Investment Management Agreement. The investment advisory fee is
      generally based on a percentage of the market value of client assets under management as
      of the close of business on the last day of the preceding quarter, as valued by an independent
      pricing service, where available, or otherwise in good faith as reflected on a client’s
      quarterly portfolio evaluation report. Additional deposits and withdrawals will be added or
      subtracted from portfolio assets which may lead to an adjustment of the advisory fee.

         The fee for the first quarter of the client’s engagement will be prorated from the inception
         date to the end of the first quarter. Unless GBG expressly agrees otherwise in writing,
         account assets consisting of cash and cash equivalent positions are included in the value of
         an account’s assets for purpose of calculating this fee. Clients can advise GBG not to
         maintain (or to limit the amount of) cash or cash equivalent positions in their account.

         GBG’s investment advisory fee is negotiated on a case-by-case basis, with a maximum
         annual asset-based fee of 1.50%. The final negotiated fee will vary based 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 rendering the service; prior,
         professional, or family relationships with GBG and its representatives; and negotiations
         with the client. As a result of these factors, similarly situated clients could pay different
         fees, which correspondingly impacts a client’s net account performance. Moreover, the
         services to be provided by GBG to any particular client could be available from other
         advisers at lower fees.

         FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
         GBG’s financial planning and consulting fees are negotiable but start at $2,500 on a fixed
         fee. The final fee will be set forth in a written agreement between GBG and the client, and
         will vary based on a variety of factors, including the scale and scope of the plan, complexity
         of the client’s planning needs, and the professional(s) rendering planning services. Before
         engaging GBG to provide financial planning and consulting services on a stand-alone
         separate fee basis, clients are required to enter into a Financial Planning Agreement with
         GBG setting forth the terms and conditions of the engagement (including termination),
         describing the scope of the services to be provided, and the portion of the fee that is due
         from the client before GBG will provide services.

         RETIREMENT PLAN CONSULTING SERVICES
         The terms and conditions of the retirement plan consulting engagement will be set forth in
         a Pension Consulting Agreement between GBG and the plan sponsor. GBG’s negotiable

    advisory fee for these services ranges between .25% and 1% of the value of retirement plan
    assets, depending upon the scope of the engagement.

B. Clients will have GBG’s advisory fees deducted from their custodial account. The
   applicable form of GBG’s Agreement and the custodial/clearing agreement may authorize
   the custodian to debit the account for the amount of GBG’s investment advisory fees and
   to directly remit the fee to GBG in compliance with regulatory procedures. Alternatively,
   a TPM may be authorized to deduct the client’s total fee from the custodial account
   (inclusive of GBG’s fee, any fees charged by the TPM, and any other advisory service-
   related costs, like investment platform fees) and remit GBG’s portion of this total fee to
   GBG. If GBG bills the client directly, payment is due by check upon receipt of GBG’s
   invoice. For investment management and retirement plan consulting services, fees will be
   deducted quarterly advance, based upon the market value of the assets as of the close of
   business on the last day of the preceding quarter.

C. As discussed in Item 12, we generally recommend Charles Schwab & Co., Inc.,
   (“Schwab”) or Fidelity Investments (“Fidelity”) serve as the custodian for client accounts.
   Broker-dealers such as Schwab and Fidelity charge transaction fees for effecting certain
   securities transactions (i.e., transaction fees are charged for certain no-load mutual funds
   and markups and mark downs may be charged for fixed income securities transactions).
   These fees will be assessed by the custodian, pursuant to the custodian’s then-current fee
   schedule. Clients may also incur internal fees and expenses charged by pooled vehicles that
   they purchase, including mutual funds, ETFs, and private investment funds. Furthermore,
   to the extent engaged, separate and additional TPM investment advisory and associated
   investment platform fees may apply. GBG’s affiliated investment adviser, Gallacher
   Capital Management, LLC, charges a 0.25% annual investment platform fee with respect
   to any GBG client assets placed under the management of Gallacher Capital Management,
   LLC, but does not apply a separate investment advisory fee to such assets. To the extent
   applicable, any separate and additional investment advisory fees charged by TPMs engaged
   to manage GBG client assets will be disclosed to the client.

D. Asset-based fees are prorated and payable quarterly, in advance, based upon the market
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Item 7           Types of Clients

         Our clients are generally individuals, high-net worth individuals, trusts and estates,
         corporate retirement plans, and corporations and other businesses. We do not have any
         minimum asset requirements or minimum fees, but we do reserve the right to accept or
         reject any client.