GER Loftin Wealth Advisors LLC

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged in advance and are based primarily on asset size and the level of
complexity of the services provided. In individual cases, LWP has the sole discretion to negotiate fees
that are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital
gains or capital appreciation of the funds or any portion of the funds. Comparable services for lower fees
may be available from other sources. Fees for the initial quarter will be prorated based upon the number
of calendar days in the calendar quarter that the advisory agreement is in effect. Fees are based on the
market value of the assets on the last business day of the previous quarter. Annual fees range from 1.25%
- 1.50%, depending on the amount of assets under management (“AUM”) – See chart below. Consulting
services are included in these fees for asset management services with the exception of unique
circumstances that may require a separate agreement for financial planning services (description and fees
are discussed below). If the situation warrants separate financial planning fees, it will be discussed
upfront and a separate agreement will be negotiated.

Fee Schedule for Asset Management:

  Total Account Value                                   Maximum Annual Advisory Fee

  Under $5,000,000                                                   1.50%
  $5,000,000 or more                                                 1.25%

As authorized in the client agreement, the account custodian withdraws Loftin Wealth Partners’ advisory
fees directly from the clients’ accounts according to the custodian’s policies, practices, and procedures.
The custodial statement includes the amount of any fees paid to LWP for advisory services. You should
carefully review the statement from your custodian/broker-dealer’s statement and verify the calculation
of fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations.

Fees are charged in advance on a quarterly basis, meaning that advisory fees for a quarter are charged on
the first day of the quarter. Clients may terminate investment advisory services obtained from LWP,
without penalty, upon written notice within five (5) business days after entering into the advisory
agreement with LWP. The client is responsible for any fees and charges incurred by the client from third
parties as a result of maintaining the account such as transaction fees for any securities transactions
executed and account maintenance or custodial fees. Thereafter, the client may terminate advisory
services upon written notice delivered to and received by LWP. Clients who terminate investment
advisory services during a quarter are charged a prorated advisory fee based on the date of LWP’s receipt
of client’s written notice to terminate. Any earned but unpaid fees are immediately due and payable, and
any prepaid and unearned fees will be immediately refunded.

Financial Planning – Financial planning services are charged in advance through a fixed fee or hourly
arrangement as agreed upon between the client and Loftin Wealth Partners. There will never be an
instance where $1,200 or more in fees is charged six or more months in advance. Hourly fees are
generally charged when the scope of services cannot be determined or if the services are limited to one
meeting. Fixed fees are generally quoted to the client for longer term consulting projects. Fees are

negotiable and vary depending upon the complexity of the client situation and services to be provided.
Hourly fees range from $250 - $500 per hour, depending on what is negotiated between LWP and the
client. Similar financial planning services may be available elsewhere for a lower cost to the client.
Fixed fees for longer-term consulting projects range from $250 to $5,000 per project. An estimate for
total hours and charges is determined at the start of the advisory relationship.

Typically, clients will be invoiced monthly for all time spent by LWP as agreed upon by client or upon
completion of the services if less than a month. Clients who wish to terminate the planning process prior
to completion may do so with written notice. The client may obtain a refund of a pre-paid fee if the
advisory contract is terminated before the end of the billing period by contacting James Loftin at (888)
556-3846. Upon receipt of written notification, any earned fee will immediately become due and payable,
and any prepaid and unearned fees will be immediately refunded. A client may terminate an advisory
agreement without being assessed any fees or expenses within five (5) days of its signing.

Additional Fees and Expenses

In addition to advisory fees paid to LWP as explained above, clients may pay custodial service, account
maintenance, transaction, and other fees associated with maintaining the account. These fees vary by
broker and/or custodian. Clients should ask LWP for details on transaction fees or other custodial fees
specific to their account, as these fees are not included in the annual advisory fee. LWP does not share
any portion of such fees. Additionally, for any mutual funds purchased, the client may pay their
proportionate share of the funds’ distribution, internal management, investment advisory and
administrative fees. Such fees are not shared with LWP and are compensation to the fund manager.
Clients are urged to read the mutual fund prospectus prior to investing.

Mutual fund companies impose internal fees and expenses on clients. These fees are in addition to the
costs associated with the investment advisory services as described above. Complete details of such
internal expenses are specified and disclosed in each mutual fund company’s prospectus. Clients are
strongly advised to review the prospectus(es) prior to investing in such securities.
...

Types of Clients

LWP offers investment advisory services to individuals, charitable organizations and corporations. There
is no minimum account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

Methods of Analysis, Investment Strategies, and Risk of Loss

LWP’s methods of analysis and investment strategies incorporate the client’s needs and investment
objectives, time horizon, and risk tolerance. LWP is not bound to a specific investment strategy for the
management of investment portfolios, but rather consider the risk tolerance levels pre-determined
gathered at the account opening, as well as on an on-going basis. We may employ hedging strategies,
leverage, options, or margins, when appropriate for the client and will make adjustments for market
conditions on an ongoing basis. Examples of methodologies that our investment strategies may
incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix of asset
classes and the efficient allocation of capital to those assets by matching rates of return to a specified and
quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount of
securities at regularly scheduled intervals, regardless of the price per share. This will gradually, over
time, decrease the average share price of the security. Dollar-cost averaging lessens the risk of investing
a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to predict
the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those securities will
grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a relatively
short period of time, generally less than one year, to take advantage of the securities’ short-term price
fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of your
account size or other factors, we strongly recommend that you continuously consult with a tax
professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we manage
your portfolio with strategies and in a manner consistent with your risk tolerances, there can be no
guarantee that our efforts will be successful. You should be prepared to bear the risk of loss.

All investments involve the risk of loss, including (among other things) loss of principal, a reduction in
earnings (including interest, dividends, and other distributions), and the loss of future earnings. These
risks include market risk, interest rate risk, issuer risk, and general economic risk. Regardless of the
methods of analysis or strategies suggested for your particular investment goals, you should carefully
consider these risks, as they all bear risks.

LWP’s primary goal for investing is to help the client maintain purchasing power over the long term.
This may result in short term variability and loss of principal. Time horizon and risk tolerance are key
determinates of the proper asset allocation. LWP’s approach focuses on taking appropriate risks for
which clients are compensated (i.e. market risk) and seeking to limit or eliminate risks that do not provide
compensation over the long term (i.e. individual stock risk or lack of portfolio risk).

Below are some more specific risks of investing:

Market Risk. The prices of securities in which clients invest may decline in response to certain events
taking place around the world, including those directly involving the companies whose securities are
owned by the client or an underlying fund; conditions affecting the general economy; overall market
changes; local, regional or global political, social or economic instability; and currency, interest rate and
commodity price fluctuations. Investors should have a long-term perspective and be able to tolerate
potentially sharp declines in market value.

Management Risk. LWP’s investment approach may fail to produce the intended results. If our
perception of the performance of a specific asset class or underlying fund is not realized in the expected
time frame, the overall performance of client’s portfolio may suffer.

Equity Risk. Equity securities tend to be more volatile than other investment choices. The value of an
individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the
value of the client’s overall portfolio. Small- and mid-cap companies are subject to additional risks.
Smaller companies may experience greater volatility, higher failure rates, more limited markets, product
lines, financial resources, and less management experience than larger companies. Smaller companies
may also have a lower trading volume, which may disproportionately affect their market price, tending
to make them fall more in response to selling pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and principal
payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer
will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt
security will decline because investors will demand a higher rate of return. As nominal interest rates rise,

the value of fixed income securities is likely to decrease. A nominal interest rate is the sum of a real
interest rate and an expected inflation rate.

Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may be
...