Indivisible Partners LLC

Item 5 – Fees and Compensation
Portfolio Management Fees
Fees for advisory services are generally calculated as a percentage of the total market value of your
managed assets. The total fee is comprised of two components: (a) the Advisory Fee, and (b) any
fees associated with the use of a TPIM.

Fees are billed monthly in arrears, except that clients with legacy agreements may be billed
quarterly. The total fee is calculated at the beginning of each billing period based on the market
value of your managed assets, including money market funds, interest, and reinvested dividends in
the account on the last business day of the prior billing period. The custodian determines fair
market value for fee calculation purposes. For direct investments, we use the most recent valuation
the investment manager provides, which may not represent the liquidation value of the investment.
Assets in your account(s) are included in the fee assessment unless specifically identified in writing
for exclusion.

You authorize fees to be deducted from your account, or from any other account in the custodian’s
custody as directed by you. The first payment is prorated based on the number of calendar days in
the partial billing period and based on the average daily balance of your account. The fees deducted,
including the dates and amounts, are reflected in the statements sent by the custodian. You should
review those statements, and the fees deducted. Any questions on the fees deducted from your
account should be directed to your Financial Advisor, or you may contact us at the number on the
cover page of this Brochure.

Fees are negotiated on an individual basis at the time of engagement for such services. Factors
considered in determining the fees charged generally include, without limitation, the complexity of
the portfolio, amount of assets to be placed under management, related accounts, or other special
requirements. This practice creates a conflict of interest because some clients will pay more than
other clients for Advisory Services.

Since Indivisible started providing Advisory Services, other Financial Advisors and Teams have
joined the firm who have clients under legacy advisory fee schedules in effect at the time of the
client’s engagement. As new advisory fee schedules are implemented, they are made applicable to
only new clients and fees for existing clients are not affected. Therefore, some existing clients pay
different advisory fees than shown below and not all clients will have the same or similar fee
structures (e.g., flat percentage rate or tiered) and can be subject to a minimum advisory fee. Your
specific fee schedule will be identified in your Advisory Agreement with Indivisible. Your advisory
fee will not exceed the maximum advisory fee.

                        The maximum Advisory Fee for Indivisible is 1.50%

Assets in each of your account(s) are included in the fee assessment unless specifically identified
in writing for exclusion. The advisory fee also includes certain administrative fees and transaction
fees. It does not include TPIM fees or costs associated with utilizing TPIM.

We do receive advisory fees from DPL for providing ongoing advisory services related to insurance
products our clients invest in through DPL. These advisory fees are based on the amount of
insurance products our clients invest in with DPL. The receipt of advisory fees creates a conflict of
interest in that Indivisible has an incentive to recommend insurance products available through
DPL’s platform because we are compensated based on the amount of insurance products we
advise on through DPL’s platform. You should be aware that insurance products may be available
from other sources with different features and pricing structures. We encourage you to evaluate all
available options before deciding to purchase an insurance product through DPL. You are under no
obligation to use DPL’s services and may obtain insurance products from any licensed provider of
their choosing.

Financial Planning & Consulting Fees
Fees for financial planning and consulting services are determined on a case-by-case basis and are
negotiable. Fees vary by client depending on the scope of the engagement, complexity of services
requested, the nature of your personal and financial situation, and any other factors that may affect
the performance or delivery of the desired service. There is no minimum fee. Your specific fee
arrangement is stated in the Agreement. Financial planning and consulting fees can be charged as
a fixed fee or as a percentage of assets, depending on the scope, nature, and complexity of the
services provided. Fees are billed as described in your Agreement. We will invoice you for services
and your payments will be made to Indivisible Partners, LLC. Refunds for this service are not
provided. You have a five-day right of recission including a full refund when entering into a financial
planning relationship.

Financial planning and consulting service fees are typically not offset against any investment
management fee payable to Indivisible unless otherwise set forth in the Agreement. Financial
Advisors can choose to combine Financial Planning and Consulting and Portfolio Management
Services for which they charge a bundled rate combining financial planning and consulting fees
and the investment management fee payable to Indivisible. Alternatively, Financial Advisors can
waive Financial Planning and consulting fees. Your specific fee will be identified in your Agreement
with Indivisible. You are under no obligation to use Indivisible or your Financial Advisor for
implementation of financial planning and consulting recommendations.

General Information Concerning Fees
Fees vary between Financial Advisors and Advisory Services. Indivisible may but is not obligated to
group certain related client accounts, often known as “householding,” for the purposes of achieving
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Item 7 – Types of Clients
Indivisible and our Financial Advisors provide advisory services to the following types of clients.

   Individuals and Personal Trusts                         Charitable Organizations
   High Net Worth Individuals                              Corporations and Other Businesses
   Pension and Profit-Sharing Plans

In general, Indivisible does not require a minimum account size; however, some Financial Advisors,
TPIMs, or programs may impose a minimum account size. Exceptions to minimum account size
requirements may be negotiated.