Lifeguide Financial Advisors LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall enter into one or more advisory agreements that detail the responsibilities of LifeGuide
Financial and the Client.

A. Fees for Advisory Services
Investment+
Fees for service provided under the Investment+ program are charged three different ways:

Fee as a Percentage of Assets Under Direct Management
Accounts under the Advisor’s direct management are considered accounts that the Advisor can trade in directly
                                               LifeGuide Financial Advisors
                                         400 W Main St., Mechanicsburg, PA 17055
                                        Phone: (717) 796-1700 | Fax: (717) 796-7763
                                          2011 W. Trindle Road, Carlisle, PA 17013
                                         Phone: (717) 218-5268 Fax: (717) 243-7872
                                                   www.LifeGuidefa.com

on behalf of the Client and where the Advisor has access to daily account values via the Advisor’s billing
software to be able to calculate the Advisor’s fee. This typically includes Account[s] at the designated custodian
or 529s and annuities that were set up by the Advisor, or existing accounts the Advisor has been assigned as the
Client’s Financial Advisor with the custodian. Fees for assets under direct management are based on the
following schedule pursuant to the terms of the wealth management agreement:

                            Assets Under Management ($)                      Annual Rate (%)
                            First $100,000                                       1.60%
                            Next $400,000 (up to $500,000)                       1.30%
                            Next $500,000 (up to $1,000,000)                     0.93%
                            Next $4,000,000 (up to $5,000,000)                   0.60%
                            $5,000,001 and above                                 0.37%
                Please Note: The Advisor generally requires a minimum annual fee of $1,800 per household per year

Fees for assets under direct management are calculated based on the average daily balance of portfolio assets
under management in the Account[s] during the prior month as provided by the Client’s designated Custodian
and charged at the beginning of each month in advance. However, the fee for assets under direct management
for the first partial month of service is waived. Fees for assets under direct management will be automatically
deducted directly from the Client Account(s) by the Custodian.

Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the
aggregate household’s assets under management with the Advisor. All securities held in accounts managed by
LifeGuide Financial will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

Hourly Fee
Additional financial advice beyond the scope of the Client’s annual review meeting will be charged at an hourly fee
in addition to the AUM fee outlined above after the work is performed pursuant to the terms of the advisory
agreement. The Advisor will notify the Client before the work is performed as to the then current hourly fee rate,
which can range up to $800 per hour, and if this hourly fee will be charged. The Advisor will not charge this fee
unless the Client agrees to the then quoted hourly rate.

Project Fee
A project based financial plan beyond the scope of the Client’s annual review meeting will be charged a project
fee. The Advisor will quote the Client the project fee before the work is performed. The Advisor will not charge this
project fee unless the Client agrees to the then quoted fee which can range up to $20,000. The fee will be due
after the project work has been presented to the Client.

Essentials and Essentials+
Fees for service provided under the Essentials and Essentials+ program are charged three different ways:

Initial Fee
There is a one-time fixed initial fee for the development of the Financial Plan, ranging up to $10,000, pursuant to
the terms of the wealth management agreement. Fees may be negotiable based on the nature and complexity of
the services to be provided and the overall relationship with the Advisor. The Advisor, in its sole discretion, may
waive this fee.

Fee as a Percentage of Assets Under Direct Management
Accounts under the Advisor’s direct management are considered accounts that the Advisor can trade in directly
on behalf of the Client and where the Advisor has access to daily account values via the Advisor’s billing
software to be able to calculate the Advisor’s fee. This typically includes Account[s] at the designated custodian
or 529s and annuities that were set up by the Advisor, or existing accounts the Advisor has been assigned as the
Client’s Financial Advisor with the custodian. Fees for assets under direct management are based on the
                                                LifeGuide Financial Advisors
                                          400 W Main St., Mechanicsburg, PA 17055
                                         Phone: (717) 796-1700 | Fax: (717) 796-7763
                                           2011 W. Trindle Road, Carlisle, PA 17013
                                          Phone: (717) 218-5268 Fax: (717) 243-7872
                                                    www.LifeGuidefa.com

following schedule pursuant to the terms of the wealth management agreement:

                             Assets Under Management ($)                      Annual Rate (%)
                             First $100,000                                       1.60%
                             Next $400,000 (up to $500,000)                       1.30%
...

Item 7 – Types of Clients
LifeGuide Financial offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and charitable organizations. LifeGuide Financial does not impose a minimum relationship size but
LifeGuide Financial may close their Investment+, Essentials and Essentials+ programs throughout the year to
new clients once the availability of services for the year has filled up.

                                               LifeGuide Financial Advisors
                                         400 W Main St., Mechanicsburg, PA 17055
                                        Phone: (717) 796-1700 | Fax: (717) 796-7763
                                          2011 W. Trindle Road, Carlisle, PA 17013
                                         Phone: (717) 218-5268 Fax: (717) 243-7872
                                                   www.LifeGuidefa.com