Joyce Wealth Management LLC

Item 5. Fees and Compensation
      JWM offers its various services as described below on a fee basis, which includes fixed fees, as well as fees
      based upon assets under management or advisement. For investment management fees associated with
      participation in the Wrap Program, please see the Wrap Brochure.

      Investment Management Fees

      JWM offers investment management services for an annual fee based on the amount of assets under the
      Firm’s management. This management fee varies in accordance with the following blended fee schedule:

                                  PORTFOLIO VALUE                         BASE FEE
                                      First $250,000                         1.70%
                                      Next $750,000                          1.40%
                                     Next $4,000,000                         1.10%
                                     Above $5,000,000                        0.90%

      The management fee is a blended fee schedule, not a breakpoint fee schedule where the entire portfolio
      value is billed at the rate of the highest portfolio value reached.

      In addition to the management fees described in the schedule above, the investor pays separate fees for
      third-party independent investment management and a third-party managed account platform.

      The Firm can also charge a separate fee for assets under advisement which generally includes services
      provided that do not rise to the level of continuous and regular supervision of the assets. This is also
      typically an asset-based fee rather than a fixed fee. The annual fee is prorated and charged quarterly, in
      advance, based upon the market value of the assets being managed by JWM on the last day of the previous
      billing period as determined by a party independent from the Firm (including the client’s custodian or
      another third-party).

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm
      may, in its sole discretion, not include cash in determining the fee, especially where a client has a high
      percentage of cash for reasons other than the Firm's investment management decision.

      If assets are deposited into or withdrawn from an account after the inception of a billing period, the fee
      payable with respect to such assets is adjusted to reflect the interim change in portfolio value. For the initial
      period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement is
      terminated, the fee for the final billing period is prorated through the effective date of the termination and
      the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

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 Disclosure Brochure                                                Joyce Wealth Management, LLC

      Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
      held-away assets, accommodation accounts, alternative investments, etc.), JWM can negotiate a fee rate
      that differs from the range set forth above. Clients are advised that a conflict of interest exists for the Firm
      to recommend that clients engage JWM for additional services for compensation, including rolling over
      retirement accounts or moving other assets to the Firm’s management. Clients retain absolute discretion
      over all decisions regarding engaging the Firm and are under no obligation to act upon any of the
      recommendations.

      Financial Planning and Consulting Fees

      JWM charges a fixed fee for providing financial planning and/or consulting services under a stand-alone
      engagement separate from the wrap fee program. These fees are negotiable but can be up to $30,000
      depending upon the scope and complexity of the services and the professional rendering the financial
      planning and/or the consulting services. If the client engages the Firm for additional investment advisory
      services, JWM can offset all or a portion of its fees for those services based upon the amount paid for
      financial planning and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement with the client. For project-based services JWM requires one-half of the fee
      (estimated hourly or fixed) payable upon execution of the Advisory Agreement. The outstanding balance
      is due upon delivery of the financial plan or completion of the agreed upon consulting services. The Firm
      does not, however, take receipt of $1,200 or more in prepaid fees, six or more months in advance of services
      rendered.

      Retirement Plan Consulting Fees
      For retirement plan consulting services, JWM charges a fee based upon the amount of assets that it provides
      advice on. Each engagement is individually negotiated and tailored to accommodate the needs of the
      individual plan sponsor, as memorialized in the Agreement. The fee will vary, based on the scope of the
      services to be rendered.

      Fee Discretion

      JWM may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
      anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
      managed, related accounts, account composition, pre-existing/legacy client relationship, account retention,
      pro bono activities, or competitive purposes.

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 Disclosure Brochure                                               Joyce Wealth Management, LLC
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Item 7. Types of Clients
      JWM offers services to individuals, trusts, estates, charitable organizations, and retirement plans.

      JWM's minimum initial investment for new clients is $1,000,000. However, the Firm may accept accounts
      with a lower value on a case-by-case basis. In such instances, please note that if the Firm charges a minimum
      annual fee, clients with smaller accounts may pay a higher percentage of their assets in fees than the rates
      listed in the Firm’s standard fee schedule.