IVC Wealth Advisors LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management          Annual Fees
        All Assets                             Up to 1.50%

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of IVCWA's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management          Annual Fee
        All Assets                             Up to 1.00%

IVCWA uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement.

Clients may terminate the agreement without penalty for a full refund of IVCWA's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the pension consulting agreement immediately upon written notice.
IVCWA uses an average of the daily balance in the client’s account throughout the billing
period, after taking into account deposits and withdrawals, for purposes of determining
the market value of the assets upon which the advisory fee is based.

Fixed Fees

The rate for creating client pension consulting plans is between $500 and $50,000. The final
fee schedule will be memorialized in the client’s advisory agreement. This service may be
canceled immediately upon written notice.

Selection of Other Advisors Fees

      Total Assets Under Management          Vise’s Fee       Annual Fee
      All Assets                                  0.35%       0.35%

For existing IVC Wealth Advisors, LLC client accounts as of October 15, 2020, Advisory
fees charged by Vise are separate and apart from our advisory fees. Assets managed by
Vise will be included in calculating our advisory fee, which is based on the fee schedule
set forth in the Fees and Compensation section in this brochure. Advisory fees that you
pay to Vise are negotiated between us and Vise.

For new clients after October 15th, 2020, we have negotiated an arrangement with Vise
where you are not responsible for paying Vise directly, and we will pay Vise from our
portfolio management fee. You should review Vise’s brochure for information on its fees
and services.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

For new clients with limited assets, an option to pay an annual fixed fee for IVC’s advisory
services, payable in four equal quarterly advance installments, is available via ACH and
check. The fee (amount and/or type) is subject to future written modification presented
by IVC to the client for execution.

Payment of Administrative Fees

IVC Wealth Advisors, LLC may be requested by clients to provide administrative
assistance to establish retail donor accounts maintained at Charles Schwab & Co., Inc. The
account is a retail investment account into which donations of marketable securities are
made for the benefit of the client’s designated charity.

The client shall pay IVC an annual administrative fee for the assistance, payable quarterly,
in advance. Unlike services provided by IVC for other accounts maintained by the client,
the assistance shall not include any investment advice or recommendations, nor any initial
or ongoing account investment supervisory, monitoring, or reporting services.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.

Fixed pension consulting fees are paid via ACH and check. These fees are paid in arrears
upon completion.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by IVCWA. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

IVCWA collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis
and returned within thirty days to the client via check, or return deposit back into the
client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

E. Outside Compensation For the Sale of Securities to Clients

David William Gotwals, Ronald Jack Joyce, Jr., Eric Vaughn Landes, Scott Cendali and
Paul Joseph McColgan are registered representatives of a broker-dealer. David William
Gotwals, Ronald Jack Joyce, Jr., Eric Vaughn Landes, Scott Cendali and Paul Joseph
McColgan are also insurance agents. In these roles, they accept compensation for the sale
of investment products to IVCWA clients.

1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of investment products,
...

Item 7: Types of Clients

IVCWA generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit Sharing Plans
       ❖      Charitable Organizations
       ❖      Corporations or Business Entities

There is no account minimum for any of IVCWA’s services.

Clients eligible to enroll in the Program include individuals, IRA’s and revocable living trusts.
Clients that are organizations (such as corporations and partnerships) or government entities,
and clients that are subject to the Employee Retirement Income Security act of 1974, are not
eligible for the Program. The minimum investment required to open or convert an account in the
Program is $2,500. The minimum account balance to enroll in the tax-loss harvesting feature is
$50,000.