Kovalcik & Geraghty Wealth Partners LLP

Item 5 Fees and Compensation

Financial Planning Fees

KGWP offers financial planning services on an hourly or fixed-fee basis. A one-time fee for the
construction of an initial comprehensive financial plan generally ranges from $2,500 - $10,000, depending
on the complexity of the client's financial and personal situation and the depth of the analysis.
Alternatively, KGWP may charge a $425 hourly rate for such services. All financial planning fees are
negotiated on a case-by-case basis and are agreed to, in writing, prior to the commencement of services.
The decision to implement any recommendation rests exclusively with the client, and the client has no
obligation to implement any such recommendations through KGWP.

KGWP’s fee is exclusive of, and in addition to brokerage commissions, transaction and processing fees,
and other related costs and expenses which shall be incurred by the client. However, KGWP shall not
receive any portion of these commissions, fees, and costs.

One half of the total estimated fixed and hourly fees are due and payable at the time the client’s
agreement is executed, the remainder of the fees are due upon presentation of a plan. Financial plans
will be presented to the clients within six (6) weeks of the contract date, provided that all information
needed to prepare the financial plan has been promptly provided by the clients.

As stated previously, the hourly rate is $425 per hour. In the event a client cancels the financial planning
agreement under which any plan is being created, the client shall be billed for actual hours logged on the
planning project times the agreed upon hourly rate. Any surplus in our possession as the result of
collecting a deposit at the time of signing the financial planning agreement will be returned to the client
within five (5) business days of cancellation.

Asset-Based Investment Advisory Fees

KGWP offers investment advisory services, which offers clients, on a discretionary basis (or non-
discretionary, if the client chooses), the ability to pay an advisory fee on the assets in their account.
There is a minimum investment of $1,000,000 for this type of service, although smaller accounts may be
accepted based upon the specific circumstances of an account. KGWP charges an asset-based advisory
fee on a tiered based as follows:

                                            Client Fee Schedule

                 Account Value                                  Annual Fee

                 First $1,000,000                                  1.25%
                 Next $4,000,000                                   0.50%
                 Over $5,000,000                                 Negotiable

In arriving at the account value noted above, KGWP may aggregate the account value of each account in
the family relationship. The annual asset-based fee is paid quarterly in advance, and the minimum
quarterly fee is $1,562.50. When an account is opened, the asset-based fee is billed for the remainder of
the current billing period and is based on the initial contribution. Thereafter, the quarterly asset-based fee
is paid in advance, is based on the account asset value on the last business day of the previous calendar
quarter, and becomes due the following business day. Client authorizes and directs the Custodian of the
advisory account to deduct asset-based fees from the client's account. Client further authorizes and
directs the Custodian to send a monthly (with fees deducted in the months of January, April, July, and
October) statement to the client which shows all amounts disbursed from the account, including fees paid
to KGWP. The brokerage/custodial statement will show the amount of the asset-based fee. Fees,

account minimums, and other circumstances may be negotiable and will be discussed prior to initiating
the advisory service and will be stipulated in a written contract.

Additionally, there is a transaction fee charged by RJA for the execution of each trade, which can be
modified at RJA's discretion, as follows:

                        Security Type                                         Transacting Fee
 Exchange Trade Equities: Listed and OTC                                             $0
 Closed-End Mutual Funds                                                             $0
 Exchanged Traded Funds                                                              $0
 Non NTF Mutual Funds                                                              $19.95
 Unit Investment Trusts                                                             $9.95
 Options Contracts                                                            $0.65 per contract
 Fixed Income                                                                      $14.95
 Prime Brokerage                                                                   $25.00

In addition to the foregoing transaction charge, the client will incur a nominal charge per transaction for
handling and postage charges. The client may also incur charges for other account services provided by
RJA not directly related to the execution and clearing of transactions including, but not limited to, IRA
custodial fees, safekeeping fees, interest charges on margin loans, and fees for legal or courtesy
transfers of securities. Also, see Item 12 Brokerage Practices for additional information.

Clients can purchase certain mutual funds without incurring a transaction fee. Select fund companies
have agreed to pay administrative fees to RJA or its affiliates in consideration for waiving the above
transaction fee assessed on mutual fund purchases.

General Characteristics

KGWP provides applicable disclosure brochures to clients and prospective clients more than 48 hours
prior to entering into an advisory contract. In the event the disclosure brochure is not delivered until entry
into the contract, the client may terminate the contract, in writing, with no penalty within five business
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Item 7 Types of Clients

The Adviser has the following types of clients:

       Individuals
       High-net worth individuals
       Donor-advised funds

KGWP has a minimum account relationship of $1,000,000. Accounts below the $1,000,000 threshold
may be accepted on a negotiated basis. In arriving at the relationship threshold, KGWP may aggregate
the value of each account in a family relationship.