Illuminate Wealth Management LLC

Item 5 Fees and Compensation
Illuminate's fee structure and compensation methodology is set forth below for each type of
engagement. A client's fee is set forth in each client's written agreement with Illuminate. Fees may be
reduced or waived in certain circumstances and are negotiable in Illuminate's sole discretion based on
such factors as the complexity of the client's situation, the composition of the client's account, and the
relationship of the client with Illuminate. Some clients may be under a different fee schedule because
their relationships were established under a prior fee schedule.

Virtual Family Office Services Fee
Illuminate Charges a fixed fee for Virtual Family Office Services engagements based upon the client's
stated needs and scope and complexity of services required. The fees begin at $75,000 annually. Any
fee amounts and changes to the fixed fee will be agreed upon within an Advisory Agreement.

Comprehensive Wealth Management Engagement Fee
For its Wealth Management Engagement fee, Illuminate charges an annual, fixed fee based upon a
percentage of a client's net worth. Illuminate charges the following fee structure:

         Net Worth                   Fee
         up to $4,000,000            $32,000 per year
         $4,000,000 to               $32,000 plus 0.60% above $4,000,000 of Net Worth per
         $10,000,000                 year
         greater than $10,000,000    negotiable, starts at $68,000 per year

                                 *Minimum total annual fee of $32,000.

A client's Net Worth includes: all cash and securities, cash value of life insurance policies, the value of
a second home, rental or business property, value in accounts held in employer deferred
compensation plans, subaccounts in insurance products such as variable annuities and equity indexed
annuities, home equity based upon fair market value less mortgage remainder. Net worth does not
include such things as: tangible assets like cars, boats, jewelry, art, etc., pensions or other income that
is paid out over a person's lifetime, or Social Security benefits, 529 college savings plans or children's
UTMA accounts, and donor-advised funds are also excluded.

For securities where ready valuation information is not available (e.g., hedge funds, private
placements, illiquid securities, derivatives, or other such situations), they are to be reviewed and priced
by Illuminate in good faith to reflect the security's fair and most recently available market value.

Illuminate recalculates the client's net worth annually for purposes of calculating its annual fee.

There is no minimum account size; however, clients receiving comprehensive financial planning
services and investment management services will be assessed a minimum annual fees as noted.
Because Illuminate has a minimum fee, there may be times when Illuminate's fees in this instance may
be higher than normally charged in the industry and that similar services may be offered by another
adviser at a lower fee. Illuminate in its sole discretion may waive or reduce the minimum fee, and at
times agree to a different fee structure for such reason as a prior relationship with a client.

Wealth Planning Fee
Illuminate charges Wealth Planning Fees in two parts, a fixed fee ranging from $2,400 to $10,000 plus
Assets Under Management (AUM) fees using the schedule below:

                Assets Under Management          Fee
                First $0 to $1,000,000           1.00% of AUM
                $1,000,000 to $3,000,000         $10,000 plus 0.8% over $1,000,000
                greater than $3,000,000          $26,000 plus 0.6% over $3,000,000

                                  *Minimum total annual fee of $20,000.

Stand-Alone Investment Management Fee
Illuminate charges an investment management fee based on the net value of the assets in the client's
account(s) on the last day of the calendar quarter using the schedule below:

                 Assets Under Management         Fee
                 First $0 to $1,000,000          1.00% of AUM
                 $1,000,000 to $3,000,000        $10,000 plus 0.8% over $1,000,000
                 greater than $3,000,000         $26,000 plus 0.6% over $3,000,000

                                 *Minimum total annual fee of $10,000.

Limited Scope Financial Project Fee
Illuminate charges a fixed fee for financial planning only engagements based upon the client's stated
needs and the scope and complexity of the services required. The fee generally ranges from $5,000 to
$15,000 and is determined based on the estimated amount of work required to complete the review.

Virtual CFO Services
$2,000 to $10,000 (per month in advance)

Onboarding Fee – generally equal to 3-months of charged monthly fee. Fees can be negotiated at
advisor's discretion based on facts and circumstances of client's scope, and complexity
and business needs. Any changes to the standard schedule above will be disclosed and included in
the fee schedule of the client's agreement.

Fee Billing
Illuminate bills fees quarterly, in advance for its Virtual Family Office, Wealth Management, Wealth
Planning and Investment Management engagements. In Illuminate's sole discretion fees may be paid
monthly. Fees can be paid by check, ACH or deduction from the Client's brokerage account. Clients
provide written authorization permitting Illuminate to be paid directly from their accounts held at the
custodian as part of the agreement and separate account forms provided by the Custodian. Fees will
be deducted from the Client's account by the Custodian. Illuminate will send a notice to the account's
custodian indicating the amount of the fees to be deducted from the account at each billing period.
Clients will be provided with a statement, at least quarterly, from the account's custodian reflecting
deductions of Illuminate's advisory fee.

For Illuminate's Limited Scope financial engagements, one half of the fee is collected upon
...

Item 7 Types of Clients
Illuminate offers investment advisory services to individuals, families, and businesses.

We require certain account minimum fees for a number of our services as described in Item 5.
Specifically, we charge a minimum annual fee in the amount of $75,000 annually for Virtual Family
Office services, $32,000 annually for our Wealth Management services, $20,000 annually for our
Wealth Planning services, and $10,000 annually for our Stand-Alone Investment Management
services. At our discretion we may waive the minimum fee for any of these services.

Otherwise, our firm does not impose any minimum account size requirements.