Gilpin Wealth Management LLC

Item 5 – Fees and Compensation
FINANCIAL PLANNING SERVICES
       COMPREHENSIVE AND ONGOING FINANCIAL PLANNING
Comprehensive financial planning services are offered on a fixed fee basis that ranges from
$1,000 to $50,000. The fixed fee is negotiable and will vary depending on the nature and
complexity of the client’s individual circumstances and the number of areas covered by the
written financial plan. The client’s financial planning agreement will show what the client will be
charged to complete the scope of services as defined in the agreement. The Firm will collect half
of the fee at engagement and the second half at the delivery of the financial plan. Unless the
client enters into another contract for ongoing financial planning services as described in Item 4
and below, the engagement is concluded.
Ongoing financial planning services are offered on an annual basis. The Firm charges a fixed
quarterly fee ranging from $100 to $1,000. The agreed upon fee is charged at the end of each
quarter, in arrears. The fees and services are negotiable at the time of renewal.
       FINANCIAL CONSULTING
Consulting services are provided at an hourly rate of up to $250. At the beginning of engagement,
the Firm will provide the client with a written estimate of the number of hours it believes the
service will take. The Firm will track the time spent collecting the client’s information, analyzing
and researching the chosen topics, and time presenting the findings to the client. The client will
be notified if the fee drastically changes from the initial estimated time. The Firm will collect the
agreed upon fee at our final meeting.
TERMINATION OF FINANCIAL PLANNING SERVICES
The client may terminate any service for any reason within the first five (5) business days after

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signing the financial planning agreement, without cost or penalty. Thereafter, the financial
planning agreement may be terminated at any time. To cancel the agreement, the client must
notify the Firm in writing. Upon termination, any unpaid fees will be due; the Firm will prorate
the client’s fee based on a percentage of the amount of work or hours completed depending on
the service provided.
PORTFOLIO MANAGEMENT AND RECOMMENDATION OF THIRD-PARTY INVESTMENT ADVISER
The Firm charges an annual management fee based on a percentage of assets under
management in the client’s account. Our annual management fee is based on the following tiered
fee schedule.
                      Custodian Reported Account           Management Fee
                                  Value
                            First $1,000,000                     1.25%
                            Next $4,000,000                      1.00%
                            Next $15,000,000                     0.75%
                           Above $20,000,000                     0.50%

The annual management fee is negotiable. The Firm may negotiate a tiered fee schedule. A tiered
fee schedule means the applicable rate will be applied to the custodian reported value in each
account value range. For example, with a $1,900,000 account value, the first $1,000,000 will be
charged at 1.25%. The remaining $900,000 will be charged at 1.00%. Each client’s fee schedule
will be described in his or her investment management agreement.
The management fee will be billed quarterly, in arrears, meaning the Firm collect the fee at the
end of each quarter’s billing period. The management fee is based on the custodian reported
value of the account as of the last business day of the quarter. The fee is negotiable based on
the size of the account; the Firm, at their discretion, may aggregate accounts originating from
the same household to calculate the fee unless the client directs otherwise. The initial quarter’s
management fee will be prorated for the time services will be rendered during the initial quarter.
Cash balances and investments in money market funds held in the account are counted toward
the account value and are included in the fee calculations.
On occasion the Firm recommends a Third-Party Adviser, our management fee will be separate
from the Third-Party Adviser’s management fee.
The Firm will ask the client to authorize us or the Third-Party Adviser to instruct the custodian to
withdraw our management fee and the Third-Party Adviser management fee directly from the
client’s account. The client may terminate this authorization at any time. Please see Item 15 for
additional details regarding fee deduction.
Our management fee does not include brokerage commissions, transaction fees, or other related
costs and expenses that are incurred by the client. The client may incur certain charges imposed
by custodians, brokers, Third-Party Advisers, and other third parties such as fees charged by
managers, custodial fees, 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. Mutual funds and exchange traded funds also charge internal management fees,

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which are disclosed in a fund’s prospectus. These charges, fees, and commissions are exclusive
of and in addition to our fee and the Firm will not receive any portion of these charges, fees, or
commissions.
RETIREMENT PLAN CONSULTING SERVICES
Retirement plan consulting services refers to 401k plans or other retirement plans that the Firm
manages on behalf of an employer. Our annual consulting fee is based on the percentage of
assets under management in the client’s qualified plan. Our maximum consulting fee is 0.70%
and is negotiable depending on the size of the plan and the services provided. The Firm will
negotiate with the client how often and when the fee is collected. The fee may be collected
...

Item 7 – Types of Clients
The Firm offers its services to individuals, pension and profit-sharing, charities, and corporations
and other businesses. The Firm does not require a minimum account size.

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