JMS Capital Group Wealth Services LLC

Fees and Compensation
                                                INDIVIDUAL PORTFOLIO MANAGEMENT FEES

JMS is compensated for providing individual portfolio advisory services based upon a percentage of assets under management. All fees are due
quarterly, in advance. Most client fees are deducted directly from their accounts, although clients may opt to be billed directly. A service
agreement may be canceled at any time, by either party, for any reason upon receipt of written notice. As disclosed above, certain fees are paid
in advance of services provided, though JMS retains the right to collect advisory fees in arrears in certain situations, such as accounts opened
after the start of the quarter or on significant cash flows into an account. Upon termination of any account, any prepaid, unearned fees will be
promptly refunded. In calculating a client’s reimbursement of fees, we will prorate the reimbursement according to the number of days remaining
in the billing period.

We may group certain related client accounts for the purposes of determining an annualized fee. Discounts, not generally available to our
advisory clients, may be offered to family members and friends of associated persons of our firm.

JMS utilizes one standard annualized fee schedule for individual portfolio advisory services and it is charged as a percentage of assets under
management.

         1.25% on the first $500,000                        (0.3125% quarterly or 1.25% annually)
         1.00% on the next $500,000                         (0.25% quarterly or 1.00% annually)
         .75% on the next $500,000                          (0.1875% quarterly or 0.75% annually)
         and .65% on amounts greater than $1,500,000.       (0.1625% quarterly or 0.65% annually)

Client facts, length of service, needs and/or other circumstances can be considered in determining the fee schedule. These include, but are not
limited to, the complexity of the client, assets to be placed under management, anticipated future additional assets, related accounts, portfolio
style, account composition, reports, among other factors. The specific annual fee schedule is identified in the contract between the adviser and
each client.

Although JMS has established the aforementioned fee schedule, we retain the discretion to negotiate alternative fees on a client-by-client basis.

                                                          FINANCIAL PLANNING FEES

A JMS Financial Planning fee is determined based on the nature of the services being provided and the complexity of each client’s
circumstances. All fees are agreed upon prior to entering into a contract with any client. For the majority of clients, Financial Planning Services
are included with Investment Supervisory Services and therefore not charged separately. Our Financial Planning fees are calculated and
charged on a fixed fee basis (typically ranging from $500 to $5,000) depending on the specific arrangement reached with the client.

                                                          PENSION CONSULTING FEES

A JMS Pension Consulting fee is determined based on the nature of the services being provided and the complexity of each client’s
circumstances. All fees are agreed upon prior to entering into a contract with any client. We charge an annual fee which ranges from .20% to
1.25% of plan assets depending on the services provided. Client fees may be collected in arrears or in advance and may be invoiced directly to
the client or deducted directly from plan assets.

                                                                 TRUSTEE FEES

As a matter of policy and practice, JMS prohibits any employee, officer and/or the firm from acting as a trustee or executor for any advisory client
trust or estate.

                                               BROKERAGE COMMISSIONS AND OTHER FEES

Other Advisor Fees: All fees paid to JMS for investment advisory services are separate and distinct from the fees and expenses charged by
other advisors (including mutual funds and/or ETFs). These fees and expenses are described in each fund's prospectus. These fees will
generally include a management fee, other fund expenses and a possible distribution fee. If the fund also imposes sales charges, a client may
pay an initial or deferred sales charge. A client could invest in a mutual fund directly, without our services. In that case, the client would not
receive the services provided by our firm which are designed, among other things, to assist the client in determining which mutual fund or funds
are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the funds
and our fees to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided.

Custodian Fees: In addition to our advisory fees, clients are also responsible for any fees and expenses charged by Custodians and imposed
by broker dealers, including, but not limited to, any transaction charges imposed. Please refer to the "Brokerage Practices" section of this Form
ADV for additional information.

ERISA Accounts: JMS is deemed to be a fiduciary to advisory clients that are employee benefit plans pursuant to the Employee Retirement
Income and Securities Act ("ERISA"), and regulations under the Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is
subject to specific duties and obligations under ERISA and the Code that include among other things, restrictions concerning certain forms of
compensation. To avoid engaging in prohibited transactions, JMS only charges fees for investment advisory advice and does not collect
remuneration from broker / dealers, service providers, etc.

Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of fees in excess of $1,200 more than six months in
advance of services rendered.
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Types of Clients
JMS has no minimum threshold for opening or maintaining an account. JMS may provide advisory services to the following types of clients:

     Individuals (other than high net worth individuals)                            High net worth individuals
     Pension and profit sharing plans (other than plan participants)                Charitable organizations
     Corporations or other businesses not listed above                              State or municipal government entities.

Methods of Analysis, Investment Strategies and Risk of Loss