Gibraltar Wealth Management LLC

Item 5. Fees and Compensation
GWM offers its services under various fee arrangements, which may include hourly and/or
fixed fees, variable fees applied (on a percentage basis) to assets under management or
advisement, or a combination of both. Additionally, certain of the firm’s Supervised Persons,
in their individual capacities, may offer insurance products under a commission arrangement.

       Financial Counseling and Consulting Fees

GWM may charge a fixed fee and/or hourly fee for these services. These fees are negotiable,
but generally range from $3,000 to $18,000 on a fixed fee basis and/or from $150 to $350 on
an hourly rate basis, depending upon the level and scope of the services and the professional
rendering the services.

Prior to engaging GWM to provide these services, the client will generally be required to enter
into a written agreement with the firm setting forth the terms and conditions of the engagement
and describing the scope of the services to be provided and the portion of the fee that is due
from the client prior to GWM commencing services. GWM may request that a portion of the
fee (estimated hourly or fixed) be paid in advance upon entering the written agreement with the
balance being due upon the completion of the agreed upon service(s).

       Relative Strength Investment Advisory Fees

GWM provides its Relative Strength investment advisory services for an annual fee based
upon a percentage of assets under the firm’s advisement. These fees are negotiable, but
generally range from 0.50% to 1.25% annually, depending upon fund menu development and
the size and value of a client’s plan assets. This fee is charged quarterly, in advance, as derived
from the market value of a client’s plan assets on the last day of the previous quarter.

       Investment Management and Wealth Management Fee

GWM provides its investment and wealth management services for an annual fee based upon
a percentage of the market value of the assets being managed by GWM, a fixed fee
arrangement, or a combination of both. GWM’s annual fee is exclusive of, and in addition to
brokerage commissions, transaction fees, and other related costs and expenses which are
incurred by the client. GWM’s annual fee is prorated and charged quarterly in advance, based
upon the market value of the assets on the last day of the previous quarter. The annual fee
varies (between 0.25% and 1.50%) depending upon the market value of the assets under
management and the type of services to be rendered.

Clients may pay a fixed, hourly, or asset-based fee (described above), or a combination
thereof, based on the complexity of the services provided. Fixed fees range between $1,200
$60,000 annually.

GWM, in its sole discretion, may charge a lesser management fee based upon certain criteria
(i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of
assets to be managed, related accounts, account composition, pre-existing client, account
retention, pro bono activities, etc.).

GIBRALTAR WEALTH MANAGEMENT, LLC DISCLOSURE BROCHURE
       Inter-Active Advisory Services

Fees for Inter-Active investment advisory services range between 0.40% - 0.75% annually and
are billed quarterly, in advance, based on portfolio size and desired frequency of interaction.
Fees for Inter-Active Advisory Services may be charged separately and are in addition to fees
for other GWM services.

       Fees Charged by Financial Institutions

As further discussed in response to Item 12 (below), GWM may recommend the use of certain
custodians for custodial services of investment management accounts. GWM can only
implement its investment management recommendations after the client has arranged for and
furnished GWM with all information and authorization(s) regarding accounts with appropriate
financial institutions. Financial institutions include, but are not limited to, any other broker-
dealer recommended by GWM, any broker-dealer directed by the client, trust companies,
banks etc. (collectively referred to herein as the “Financial Institutions”).

Clients may incur certain charges imposed by the Financial Institutions and other third parties
such as fees charged by Independent Managers, custodial fees, charges imposed directly by a
mutual fund or ETF in the account, which are disclosed in each fund’s prospectus (e.g., fund
management fees and other fund expenses), 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. Additionally, for assets outside of any wrap fee programs,
clients will incur brokerage commissions and transaction fees. Such charges, fees and
commissions are exclusive of and in addition to GWM’s fee and GWM receives no portion of
the fees charged by the independent managers or financial institutions other than GWM’s
advisory as outlined under “Fee Debit” below.

       Fee Debit

GWM’s Agreement and the separate agreement with any Financial Institutions may authorize
GWM or Independent Managers to debit the client’s account for the amount of GWM’s fee
and to directly remit that management fee to GWM or the Independent Managers. Any
Financial Institutions recommended by GWM have agreed to send a statement to the client,
at least quarterly, indicating all amounts disbursed from the account including the amount of
management fees paid directly to GWM. Clients wishing to pay GWM’s advisory fee directly may,
alternatively, request GWM to send an invoice for payment.

Clients will, no less than quarterly, receive a copy of their account statement(s) directly from
the custodian indicating all amounts disbursed from clients’ accounts, including the investment
management fee. GWM sends clients copy of its fee statement, including the specific manner
in which the investment management fee was calculated. Clients must authorize the fee debit
in the Custodial Agreement.
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Item 7. Types of Clients

 GWM offers its services to individuals, pension and profit-sharing plans, trusts, estates,
 charitable organizations, corporations, business entities, and private investment funds.

        Minimum Fee

 GWM, at its sole discretion, may impose a minimum annual fee of $1,200. This minimum fee,
 if imposed, may have the effect of making the firm’s service impractical for clients with less
 than $80,000 under GWM’s management. Additionally, GWM generally imposes a minimum
 annual fee of $500 to provide its Relative Strength investment advisory services.

 GWM’s sponsored pooled investment vehicle is generally subject to a $250,000 minimum
 initial investment, subject to the General Partner’s sole and absolute discretion to accept a
 lesser amount. Please refer to the offering documents for more information.

GIBRALTAR WEALTH MANAGEMENT, LLC DISCLOSURE BROCHURE

The firm, in its sole discretion, may waive its minimum fee requirements based upon certain
criteria including anticipated future additional assets, dollar amount of assets to be managed,
related accounts, account composition, pre-existing or related client relationships, account
retention, and pro bono activities.

Additionally, certain Independent Managers may impose separate and/or more restrictive
account requirements and varying billing practices than GWM. In such instances, GWM may
alter its corresponding account requirements and/or billing practices to accommodate those of
the Independent Managers.