Gold Coast Wealth Management LLC

Item 5 Fees and Compensation

    A. ADVISORY FEES AND COMPENSATION

Asset-Based Compensation

The Adviser charges each client an investment management fee (the “Management Fee”) based on the value
of the client’s assets under management, in accordance with the following schedule:

                                                              Annual Management
                   Account Value
                                                              Fee Rate

                   Up to $2 million                           1.00% - 1.50%

                   $2 to $5 million                           0.85%

                   $5 million and up to $15 million           0.75%

                   $15 million and up to $25 million          0.65%

                   $25 million or more                        0.55%

Management Fees are charged each quarter in advance based on the total market value of the assets in the client
account (including net unrealized appreciation or depreciation of investments and cash, cash equivalents and
accrued interest) on the first day of the quarter. If a new client account is established during a quarter or a
client makes an addition to its account during a quarter the Management Fee will be charged as of the effective
date of the investment management agreement or the date of the additional contribution based on the value of
the assets as of the applicable date and will be prorated for the number of days remaining in the quarter.
Management Fees are negotiable in the sole and absolute discretion of the Adviser.

Pension Consulting Services Fees

The rate for pension consulting services is 0.50% of the plan assets for which the advisor is providing
such consulting services. These fees are negotiable.

    B. PAYMENT OF FEES

The Adviser deducts the Management Fee from client accounts by instructing the client’s custodian. The
Adviser deducts client accounts for Management Fees quarterly.

    C. OTHER FEES AND EXPENSES

In addition to paying Management Fees or other compensation, client accounts will also be subject to other
investment expenses such as custodial charges, brokerage fees, commissions and related costs; interest
expenses; taxes, duties and other governmental charges; transfer and registration fees or similar expenses; costs
associated with foreign exchange transactions; other portfolio expenses; and costs, expenses and fees
(including, investment advisory and other fees (e.g., management fees, performance fees, etc.) charged by
investment advisers with, or funds in, which the client’s account invests) associated with products or services
that may be necessary or incidental to such investments or accounts. Client assets may be invested in pooled
investment vehicles. In these cases, clients will bear their pro rata share of the underlying fund’s operating
and other expenses including, in addition to those listed above: sales expenses, legal expenses; internal and

external accounting, audit and tax preparation expenses; and organizational expenses. Client assets may be
invested in money market mutual funds, ETFs or other registered investment companies. In these cases, the
client will bear its pro rata share of the investment management fee and other fees of the fund, which are in
addition to the investment Management Fee paid to the Adviser. Please see Item 12 below for a discussion of
the Adviser’s brokerage practices.

    D. PREPAYMENT OF FEES

Clients are required to pay Management Fees to the Adviser quarterly in advance. Upon the termination of a
client account during a calendar quarter, the Management Fee will be prorated for the days remaining in that
calendar quarter and any prepaid, unearned fees will be refunded to the relevant client.

    E. ADDITIONAL COMPENSATION AND CONFLICTS OF INTEREST

Mr. O’Brien, a supervised person of the Adviser, is also currently a registered representative of a broker-dealer
and manager of a fund, into which he may recommend the Adviser’s clients invest funds. As a result, he may
receive compensation directly or indirectly in connection with the sale of securities or other investment
products that the Adviser recommends to its clients. As a result of this additional compensation, the Adviser
and Mr. O’Brien have a conflict of interest because the Adviser and Mr. O’Brien have an incentive to
recommend these securities or other investment products based on the compensation received, rather than on a
client’s needs. However, Gold Coast Wealth Management and Mr. O'Brien will always put the client's best
interest first and only recommend securities that are suitable for the client pursuant to the client's suitability
profile. Clients have the option to purchase investment products that the Adviser recommends through other
brokers or agents that are not affiliated with the Adviser.

Item 7 Types of Clients

The Adviser’s clients consist of individuals and institutions. The Adviser generally requires a minimum of
$1,000,000 of assets under management for a separately managed account but may waive this minimum in
its sole and absolute discretion. If the account size falls below the minimum requirement due to market
fluctuations only, a client will not be required to invest additional funds with the Adviser to meet the
minimum account size.