LCW Services LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid in advance of each calendar quarter pursuant to the terms of the wealth
management agreement. Wealth management fees are based on the average daily balance of the market value of
assets under management throughout the prior calendar quarter. Wealth management fees are based on the
following schedule:

                               Assets Under Management ($)                 Annual Rate (%)
                                       Up to $500,000                          1.25%
                                   $500,001 to $1,000,000                      0.75%
                                  $1,000,001 to $3,500,000                     0.60%
                                  $3,500,001 to $5,000,000                     0.45%
                                 $5,000,001 to $10,000,000                     0.25%
                                    $10,000,001 and Over                       0.20%

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
Altura Wealth Advisors will be independently valued by the Custodian. The Advisor will conduct periodic reviews of
the Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers – As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment
portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn
any compensation from an Independent Manager. The Advisor will only earn its wealth management fee as described
above. Independent Manager fees are separate and in addition to the Advisor’s wealth management fees.
Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce
the fee with an increased level of assets placed under management with an Independent Manager. The terms of
such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s]
with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s
fee, will not exceed 2.00% annually.

American Funds
The wealth management fee is billed quarterly, in arrears, for assets held at American Funds. The fee is based upon
the average daily net value. Accounts with American Funds are subject to an asset-based fee of 0.25% annually which
may be negotiable at the sole discretion of the Advisor.

                                      LCW Services, LLC d/b/a Altura Wealth Advisors
                                      4669 South Blvd, Ste 105, Virginia Beach, VA 23452
                                         Phone: (757) 834-7606 | Fax: (757) 834-7606
                                               Website: www.alturawealth.com

Financial Planning Services
Altura Wealth Advisors offers financial planning services as part of its wealth management services. In connection
with its wealth management services, Clients will be assessed an initial fixed financial planning fee ranging from
$4,000-$25,000. The Advisor also offers ongoing stand-alone financial planning services on a monthly basis. Monthly
fees range from $350 to $2,500 per month. Fees may be negotiable based on the nature and complexity of the
services to be provided and the overall relationship with the Advisor. An estimate for total hours and/or total costs will
be provided to the Client prior to engaging for these services.

Insurance Consulting
The wealth management fee is billed quarterly, in advance, for assets held at DPL. The fee is based upon the average
daily value. Assets with DPL are subject to an asset-based fee of 0.50% annually which may be negotiable at the
sole discretion of the Advisor.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged an annual asset-based fee of up to 0.50%. Fees may be billed monthly
or quarterly (“Billing Period”) in advance or arrears pursuant to the terms of the retirement plan advisory agreement.
Retirement plan fees are based on the market value of assets under management at the end of the Billing Period.
Fees may be negotiable depending on the size and complexity of the Plan but shall not exceed the fee range stated
above.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated as follows:
(average daily balance of assets under management x annual rate) x (effective days in the billing period / days in the
year). Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
wealth management fee. Clients are urged to also review and compare the statement provided by the Advisor to the
brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide
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Item 7 – Types of Clients

Altura Wealth Advisors offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans. Altura Wealth Advisors generally does not impose a minimum relationship size.