Luminvest Wealth Management LLC

Item 5: Fees and Compensation

Compensation for Our Advisory Services

Comprehensive Portfolio Management:

                    Assets Under Management        Annual Percentage of Assets Charge
                         First $5,000,000                       0.25%
                         Next $5,000,000                        0.10%
                         Over $10,000,000                       0.05%

  Our firm charges a minimum account fee of $2,500 for Client account(s) that would not exceed the
  equivalent of 2.00% AUM-based fee based on the size of the account(s) our firm manages. Our firm
  reserves the right to waive this minimum account fee at the firm’s sole discretion.

  Fees to be assessed will be outlined in the advisory agreement to be signed by the client. Our firm
  bills on cash unless indicated otherwise in writing. Annualized fees are billed on a pro-rata basis
  quarterly in arrears based on the value of the account(s) on the last day of the quarter. Fees are
  negotiable and will be deducted from client account(s). In rare cases, our firm will agree to directly
  invoice. As part of this process, Clients understand the following:
       a) The client’s independent custodian sends statements at least quarterly showing the market
          values for each security included in the Assets and all account disbursements, including the
          amount of the advisory fees paid to our firm;
       b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
          firm will send an invoice directly to the custodian; and
       c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
          information provided in our statement with those from the qualified custodian will be
          included.

  ADV Part 2A – Firm Brochure                   Page 5                        Luminvest Wealth Management LLC

Financial Planning & Consulting:

  Our firm charges a recurring subscription-based fee for financial planning and consulting services.
  To engage in our financial planning and consulting service, our firm requires an initial fee of $500
  with an ongoing monthly fee to not exceed $200 per month. Our firm will not require a retainer
  exceeding $1,200 when services cannot be rendered within 6 months. Fees for this service are
  charged monthly in advance.

Other Types of Fees & Expenses

  Clients will incur transaction fees for trades executed by their chosen custodian, either based on a
  percentage of the dollar amount of assets in the account(s) or via individual transaction charges.
  These transaction fees are separate from our firm’s advisory fees and will be disclosed by the chosen
  custodian. Altruist Financial LLC (“Altruist”) does not charge transaction fees for U.S. listed equities
  and exchange traded funds.

  Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
  charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
  disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), distribution
  fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and
  mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire
  transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm
  does not receive a portion of these fees.

Termination & Refunds

  Either party may terminate the advisory agreement signed with our firm for Comprehensive
  Portfolio Management service in writing at any time. Upon notice of termination pro-rata advisory
  fees for services rendered to the point of termination will be charged. If advisory fees cannot be
  deducted, our firm will send an invoice for due advisory fees to the client.

  Financial Planning & Consulting clients may terminate their agreement at any time by providing
  written notice. Financial Planning & Consulting services shall be provided until the end of the month
  of which written notice of termination was provided. The initial fee is non-refundable. Our firm does
  not provide pro-rata refunds of the monthly fee for terminations during the applicable month.

Commissionable Securities Sales

  Our firm and representatives do not sell securities for a commission in advisory accounts.

Item 7: Types of Clients

  Our firm has the following types of clients:
     ● Individuals and High Net Worth Individuals;
     ● Trusts, Estates or Charitable Organizations;

  ADV Part 2A – Firm Brochure                    Page 6                       Luminvest Wealth Management LLC

  Our firm does not impose requirements for opening and maintaining accounts or otherwise
  engaging us.