Gibert Wealth Management LLC

Item 5 – Fees and Compensation
The fee for Wealth Management is based on the amount of assets under management (“AUM”), as
determined by the independent qualified custodian. Clients engage Gibert for Wealth Management by
signing an advisory agreement (“Agreement”) that outlines our services, as well as a description of the
fees charged (“Advisory Fees”). The Advisory Fees are flat-rates or based on a schedule as noted in
the Agreement, but in no case does our annual fee exceed 1.6%. Advisory Fees will be charged
quarterly and in advance, based on the value of the AUM at the beginning of the quarter. Cash flows
greater than $25,000 from the previous quarter will be adjusted on the next quarterly billing. Accounts
opened under the Agreement will be aggregated together for determining AUM during the billing
process, which may provide the client a lower Advisory Fee rate. Our standard fee schedule is as
follows:
                            Assets Under Management        Advisory Fee Rate
                                   First $250,000              1.60%
                                   Next $250,000               1.45%
                                   Next $500,000               1.30%
                                  Over $1,000,000              1.15%
Advisory Fees we charge are separate and distinct from the fees and expenses charged by investments
like mutual funds and exchange traded funds (ETFs). In these cases, the fees and expenses are
described in each fund's prospectus or available through common financial websites. These fees will
generally include a management fee, other fund expenses, and a possible distribution fee. It’s important
to know that if a Program or Independent Manager is used, the fees charged by them will be separate
and in addition to our Advisory Fee.

Fees for Retirement Plan Advisory Services range from 0% to 1.5% and are fully described in the
Retirement Plan Services Agreement the client signs to engage us. Retirement Plan Advisory Fees
are paid by the custodian, record-keeper or trustee as authorized by the client in our Retirement Plan
Advisory Agreement. The fee is typically charged quarterly and will be either in advance or arrears.

In addition to our Advisor Fee, clients are also responsible for the transaction charges, fees and other
expenses charged and imposed by the firm (“Custodian”) who holds the client assets. Advisory Fees
may be negotiated, lowered or waived for family, friends or based upon the complexity level of the client
situation. Clients provide us authorization to electronically debit our fees in the Agreement and
custodial paperwork. Clients can cancel the Agreement for Wealth Management without any charges
and penalties within 5 business days after contract execution.
In the event a client terminates our services Advisory Fees will be charged until the notice of termination
is provided by the client. If terminated, we will rebate the unused portion of the Advisory Fee. Advisory
Fees are electronically debited from client accounts. The value used to calculate the Advisory Fee will
include all positions in the account, cash, dividends, accrued interest and interest payments unless
specifically excluded in the Special Instructions section of the Agreement.

Representatives are licensed to sell insurance products. This can create a conflict to obtain a
commission that Client should understand. We hold to our fiduciary responsibility to provide
recommendations in the best interest of the Client. If Clients elect to act on any of the recommendations,
the Client is under no obligation to affect the transactions through us.

Item 7 – Types of Clients
We provide services to individuals, trusts, estates, charitable organizations, non-profits, corporations,
associations and other business entities (such as limited liability companies, networks or limited
partnerships).