Inlight Wealth Management LLC

Item 5 - Fees and Compensation

General Fee Information
For discretionary and non-discretionary portfolio management services, clients generally participate
in the Inlight Wealth Wrap Fee Program sponsored by Inlight (the “Wrap Program”). The Wrap
Program fee structure includes the brokerage expenses (e.g., commissions, ticket charges, etc.) of the
account as well as the management fee paid to Inlight Wealth. Under the all-inclusive billing
alternative, Inlight Wealth will assess one client fee that captures the management, brokerage and
administrative portions collectively. Inasmuch as Inlight Wealth pays to the applicable broker-dealer
the transaction and execution costs associated with client accounts, this may create a disincentive for
Inlight Wealth to trade securities in accounts. Inlight Wealth, in its discretion, may establish a
minimum portfolio asset value size requirement for participation in the Wrap Program.

The fees noted above are separate and distinct from the internal fees and expenses charged by mutual
funds, ETFs (exchange traded funds) or other investment pools to their shareholders (generally
including a management fee and fund expenses, as described in each fund’s prospectus or offering
materials), mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away
from the custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities
transactions. The client should review all fees charged by funds, brokers, Inlight Wealth and others
to fully understand the total amount of fees paid by the client for investment and financial-related
services.

Portfolio Management Fees
Portfolio management fees are individually negotiated with each client and are generally up to 1.50%
annually. Factors considered in determining the fees charged generally include, but are not limited
to: the complexity of the client’s portfolio; assets to be placed under management; anticipated future
assets; related accounts; portfolio style; account composition; or other special circumstances or
requirements. The specific fee schedule will be identified in the investment advisory agreement
between the client and Inlight Wealth.
Portfolio management fees are generally payable quarterly, in advance. Fees are prorated for cash
flows exceeding $50,000. If management begins after the start of a quarter, fees will be prorated
accordingly. Fees are normally debited directly from client account(s), unless other arrangements
are made. Fees are based on the account value as of the last business day of the previous quarter.
Valuations are generally provided by the Custodian, however in cases that the Custodian does not
provide a value, accounts will be billed based on Fair Market Value.

Either Inlight Wealth or the client may terminate their investment advisory agreement at any time,
subject to any written notice requirements in the investment advisory agreement. In the event of
termination, any paid but unearned fees will be promptly refunded to the client based on the number
of days that the account was managed, and any fees due to Inlight Wealth from the client will be
invoiced or deducted from the client’s account prior to termination.

Separate Account Manager Fees
When one or more Managers are utilized, the Manager(s)’ fees will be separate from and in addition
to Inlight Wealth’s fee.

Wrap Program Fees
Fees for clients participating in the Wrap Program are charged in accordance with the annual fees
described above. With respect to clients participating in the Wrap Program, Inlight Wealth generally
receives the total fee charged less the amounts paid by Inlight Wealth for all transaction and

execution expenses.

Financial Planning and General Consulting Fees
When Inlight Wealth provides financial planning and/or general consulting services to clients, these
fees generally will be included in the portfolio management fees. Inlight Wealth generally does not
provide stand-alone financial planning or general consulting services.

Item 7 - Types of Clients

Inlight Wealth serves individuals, high net worth individuals, corporations, trusts, estates, charitable
organizations and retirement and pension plan participants.