Hilltop Wealth Advisors LLC

Item 5 - Fees and Compensation
Hilltop Wealth Advisors is strictly a fee-only financial planning firm which includes fixed fees as well as
fees based upon assets under management. The firm does not sell any commissioned products. Some of
the Firm’s Supervised Persons may hold insurance licenses which are held strictly for advisory purposes.

Financial Planning and Consulting Fees
With respect to separate financial planning services that are provided on an ongoing basis and not in
conjunction with investment management services, the Firm charges a fixed fee between $5,000 and
$50,000, depending on complexity and scope of the plan. This fee is charged in quarterly installments in
advance. Certain clients have been grandfathered into previous fee schedules that are different than the
fees stated herein. These fees may be negotiated.

The terms and conditions of the financial planning and/or consulting engagement are set forth in the
Advisory Agreement. The Firm does not take receipt of $1,200 or more in prepaid fees in excess of six
months in advance of services rendered.

ERISA Plan fees
Our fees for the services we provide as a 3(21) fiduciary to retirement plans are negotiable depending on
the services provided and the scale of the plan. These fees are typically .50% of the assets in the plan
billed quarterly in arrears. The fee calculation is typically based on the average of included assets on the
first day & last day of each quarter.

Fees for Educational Seminars
Fees charged for the firm to conduct client seminars for businesses is negotiated on a case-by-case basis
and ranges from reimbursement of expenses for non-profit organizations up to a maximum of $15,000.
The terms and conditions of the educational seminar engagement are set forth in the Advisory Agreement
and Hilltop Wealth Advisors generally requires one-half of the fee (estimated hourly or fixed) payable
upon execution of the Advisory Agreement. The outstanding balance is generally due upon delivery of the
seminar. The Firm does not, however, take receipt of $1,200 or more in prepaid fees in excess of six
months in advance of services rendered.

Hilltop Wealth Advisors                                                                 Disclosure Brochure

Investment Management Fees
Hilltop Wealth Advisors offers investment management services for an annual fee based on the amount
of assets under the Firm’s management. This management fee will vary based on whether the client is
receiving Wealth Management Services, or standalone investment management services, but will
generally not exceed the following fee schedule:

            Assets Under Management                                         Annual Fee
            First $1.5 million $1,500,000                                     1.00%
      On the next $1.5 million up to $10 million                              0.70%
           On balances over $10 million                                       0.45%

Hilltop Wealth Advisors utilizes a blended fee, meaning that different rates are charged on different
tranches of assets under management in accordance with the fee schedule above.
Please note: certain clients have been grandfathered into previous fee schedules that are different than
the fee schedule stated above.

Investment management fees charged in connection with Wealth Management Services are subject to a
minimum annual fee of $15,000, applied in quarterly installments. This minimum fee is negotiable (see
Fee Discretion section below). The minimum fee may result in an effective advisory fee that exceeds the
stated fee schedule above for certain clients, particularly those with lower account balances. However,
the Firm generally does not recommend a fee of more than 2%.

Annual asset-based fees are prorated and generally charged quarterly, in advance, based on the market
value of the average daily account balance during the prior billing period. Asset-based fees are based on
the gross value of the assets held in a client’s account(s) (securities, cash, cash equivalents, and
outstanding margin balances) and managed by the Firm. Since the asset-based fee is determined by
average daily account balance, if assets are deposited into or withdrawn from an account after the
inception of a month or quarter, the base fee payable with respect to such assets is adjusted and billed in
the quarter thereafter.

For clients that have engaged the Firm to receive investment advisory services only, the Firm manages
client’s assets as a percentage of assets under management as described in the fee schedule. Fees are
billed quarterly in advance.

For the initial period of an engagement, the fee is calculated on a pro rata basis in arrears for the initial
billing period, and quarterly in advance thereafter. In the event the advisory agreement is terminated, the
fee for the final billing period is prorated through the effective date of the termination and the
outstanding portion of the fee already paid by the client in advance is refunded to the client.

Hilltop Wealth Advisors uses money market funds, stable value funds and cash equivalent investments
defensively and tactically in its investment management process. When we manage an account with
distributions, we consider cash needs and risk tolerance in our management decisions when allocating
your investments. Because of this, assets invested in money market funds, stable value funds and cash
equivalent investments are included in the management fee calculation.

Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
held-away assets, accommodation accounts, alternative investments, etc.), Hilltop Wealth Advisors may
negotiate a fee rate that differs from the range set forth above.

Hilltop Wealth Advisors                                                                  Disclosure Brochure
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Item 7 - Types of Clients
Hilltop Wealth Advisors offers services to individuals, trusts, estates, corporations and business entities.