McIlrath & Eck LLC

ITEM 5: FEES AND COMPENSATION
Financial and Estate Planning
Financial and estate planning services are provided for an hourly fee of $275. In lieu of the hourly fee,
you may elect to negotiate a fixed fee based on the type of plan prepared. Subject to adjustment for non
standard plans, you can expect to pay an estimated $2,000 for a Standard Financial Plan, and $2,875 for a
Financial Planning and Estate Plan. The fee to review and update a previously prepared financial plan is
$900. You may elect to commit to having us prepare a financial plan and one annual update for a cost of
$2,500 (a savings of $400). We request that you deposit fifty percent (50%) of the estimated or
negotiated fee upon execution of the Financial Planning Agreement. An invoice for the remaining
balance is issued on completion of the written analysis or other services as specified in the Financial
Planning Agreement. The invoice is payable on receipt.

You may terminate this service by providing written notice. Upon termination you will receive an
invoice for time spent gathering information and preparing the plan or recommendations and any prepaid,
unearned fees will be refunded.

Portfolio Research and Asset Allocation Services
Without providing or revising a financial plan, we will analyze client holdings and suggest adjustments.
This service is provided for an hourly fee of $275. We request that you deposit fifty percent (50%) of the
estimated fee upon execution of the Portfolio Research Agreement. An invoice for the remaining balance
is issued along with the written recommendations. The invoice is payable on receipt.

You may terminate this service by providing written notice. Upon termination you will receive an
invoice for time spent gathering information and preparing the plan or recommendations and any prepaid,
unearned fees will be refunded.

We have a conflict of interest when providing Financial & Estate Planning or Portfolio Research & Asset
Allocation Services. If you implement the recommendations made through us, we receive the customary
fees as disclosed in the following section. You are not required to employ us to implement the financial
plan, or to implement the plan, or any portion of it, at all.

Investment Management Services
Advisory Fees & Billing Practices

Fees for investment services are billed at the beginning of each quarter, calculated on the value of assets
under management as of the last day of the previous calendar quarter. Our fees vary based on your assets
under management and range from 0.45% to 1.50% per year. Fees are determined on a case-by-case
basis. Determining factors include amount of work involved or future assets that will be managed.

We require that all clients provide authorization for us to deduct advisory fees directly from the
investment account. Following is important information about the deduction of management fees:

       You must provide authorization for us to deduct fees by initialing the appropriate section of our
        contract.

       You will receive a statement from your custodian which shows all transactions in your account
        and your holdings.

       You are responsible for reviewing the accuracy of the fees being billed, as the custodian will not
        do so.

An advisory client may terminate, as of the close of any calendar month, by providing 2 weeks written
notice. Upon termination, any prepaid fees will be prorated to the date of termination and unearned fees
will be returned to the client.

All fees charged by us for investment advisory services are negotiable.

Other Costs Involved

You are responsible for the below types of fees for your account in addition to advisory fees.

     mutual fund loads (if applicable). These charges are paid to brokers as a form of commission.

     management fees for ETFs and mutual funds. These are fees charged by the managers of the ETF
      or mutual fund and are a portion of the expenses of the ETF or mutual fund.

     brokerage costs and transaction fees for any securities or fixed income trades. These are
      generally charged by your custodian and/or executing broker.

Additional information about brokerage costs and services is provided in “Item 12: Brokerage Practices.”

Conflicts of Interest
Periscope Wealth may recommend insurance products to clients as part of the financial and estate
planning services described above. Persons affiliated with Periscope Wealth (“Insurance Agents”) are
insurance agents, and as such sell various insurance and annuities products, including life insurance. The
insurance products sold are transacted with a variety of insurance companies.

You are under no obligation to purchase or apply for any insurance products, or to use Insurance Agents
as the broker for insurance products purchased. If you decide to purchase or apply for insurance, or use
an Insurance Agent as the broker for insurance products, a conflict may exist between the interests of
Periscope Wealth and your interests.

ITEM 7: TYPES OF CLIENTS
We provide investment advisory services to individuals, trusts, and pension plans.

Generally we require that investment management clients maintain $250,000 under management with us.
However, we may waive that minimum at our sole discretion.