Lighthouse Wealth Management LLC

Item 5: Fees and Compensation
Lighthouse is a fee-only firm, and as such is compensated solely by professional fees
received directly from clients. Lighthouse, nor any related person associated with
Lighthouse, does not receive compensation that is contingent on the purchase or sale of a
financial product.

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Please note, unless a client has received the firm’s disclosure brochure at least 48 hours
prior to signing the investment advisory contract, the investment advisory contract may be
terminated by the client within five (5) business days of signing the contract without
incurring any advisory fees.

How Lighthouse is paid depends on the type of advisory service Lighthouse is performing.

Comprehensive Planning & Investment Management Services (Assets Under
Management)

Lighthouse’s standard advisory fee is based on the market value of the assets under
management. This fee is generally not negotiable and ranges up to 100 basis points
(1.00%), depending largely upon the size and complexity of a client’s portfolio. This fee is
charged quarterly in advance based upon the market value of the assets being managed by
Lighthouse on the last day of the previous quarter.

For the initial term of an engagement and for any cash flows exceeding $10,000, the fee is
calculated on a pro rata basis and charged in arrears based upon the ending balance of the
cash flow date. In the event the Client Agreement is terminated, the fee for the final billing
period is prorated through the effective date of the termination and the outstanding
balance is charged or refunded to the client, as appropriate.

Lighthouse possesses written authorization from the client to deduct advisory fees from
accounts held by the custodian and managed by Lighthouse. Lighthouse sends the
custodian written notice of the amount of the fee to be deducted from the client’s
account(s) and sends the client a written invoice itemizing the fee, including the formula to
calculate the fee, the time period covered by the fee, and the amount of assets under
management on which the fee was based.

Client fees will be debited from their accounts at the start of each quarter, unless the client
specifically requests to pay by check.

For any fees which Client is billed directly, Client will pay such fees within 30 days of the
date of each such bill.

Investor advisory agreements may be terminated by mutual agreement of the client and
Lighthouse. A client agreement may be canceled at any time, by either party, for any reason
upon receipt of 30 days' written notice. Upon termination of any account, any prepaid,
unearned fees will be promptly refunded.

All fees paid to Lighthouse for investment advisory services are separate and distinct from
the fees and expenses charged by fund managers to their shareholders. These funds and
expenses are described in each fund's prospectus. These funds will generally include a
management fee, other fund expenses, and a possible distribution fee. A client could invest
in mutual funds and exchange-traded funds directly without the services of Lighthouse. In
that case, the client would not receive the services provided by Lighthouse which are
designed, among other things, to assist the client in determining investments that are most
appropriate given the client's financial condition and objectives. Certain investments

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recommended by Lighthouse may not be available to the client directly. Accordingly, the
client should review both the fees charged by the funds and the fees charged by
Lighthouse to fully understand the total amount of fees to be paid by the client and to
thereby evaluate the advisory services being provided.

Clients will incur some transaction fees charged by the custodian for some mutual fund
purchases and sales. Please refer to Section 12: Brokerage Practices.

Clients purchasing individual bonds will also incur a bid-ask spread from the bond dealer.
Lighthouse does not accept commissions for the sale of securities or other investment
products. It does not receive asset-based sales charges or service fees from the sale of
mutual funds. For mutual funds, only no-load or exchange traded mutual funds will be
recommended to clients.

The relationship is not exclusive, and clients have the option to purchase investments
recommended by Lighthouse through other investment organizations not affiliated with
Lighthouse.

Comprehensive Financial Planning (Hourly Consultation)

A client may choose to engage Lighthouse on an hourly basis for financial planning
services. Hourly Financial Planning Engagements are offered at $400 per hour. The fee may
be negotiable in certain cases and is due at the completion of the engagement. In the event
of early termination by the client, any fees for the hours already worked will be due for
work completed up to the date of termination.

The scope of the engagement is based on the needs of the client and the estimated fee will
be provided to the client in an engagement letter prior to the performance of any services.

Fees for this service may be paid by electronic funds transfer or check.

Item 7: Types of Clients
Lighthouse provides comprehensive financial planning and investment management
services to individuals, businesses, charitable organizations, pensions, profit sharing plans,
trusts, estates, and charitable organizations.

Lighthouse has a minimum account size requirement of $1,000,000. Exceptions may apply
at the discretion of Lighthouse.

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