Moneco Advisors LLC

Item 5– Fees and Compensation

Asset Management:

If LPL:

The maximum annual fee to be charged to the client’s account(s) will not exceed 2.00%. The
negotiated advisory fee will be determined by the investment advisor representative and the client
based on a variety of factors, including the scope and complexity of our engagement with the client,
the client’s overall aggregate household portfolio value, communication needs, and inancial planning
and consulting needs, whether the client is related to our irm’s employees, and anticipated amount
of work. The fee to be assessed to each account will be detailed in the client’s signed advisory
agreement, LPL Account Application or LPL Tiered Fee Authorization form.

Fees are billed on a pro-rata basis quarterly in advance based on the value of the account(s) on the
last day of the previous quarter. Fees will be adjusted for deposits and withdrawals made during the
quarter. If accounts are opened during the quarter, the pro-rata advisory fees will be deducted during
the next regularly scheduled billing cycle. Our irm bills on cash unless indicated otherwise in writing.
In rare cases, our irm will agree to direct bill clients. Fees are negotiable and will be deducted from
the account(s). As part of this process, clients understand the following:
    a) LPL as the client’s custodian sends statements at least quarterly, showing all disbursements
        for each account, including the amount of the advisory fees paid to our irm.
    b) Clients provide authorization permitting LPL to deduct these fees.
    c) LPL calculates the advisory fees for all fee schedules and deducts them from the client’s
        account.

If Schwab, SEI, Pershing or Fidelity:

The maximum annual fee charged to the client’s account will not exceed 2.00%. The negotiated
advisory fee will be determined by the investment advisor representative and the client based on a
variety of factors, including the scope and complexity of our engagement with the client, the client’s
overall aggregate household portfolio value, communication needs, and inancial planning and
consulting needs, whether the client is related to our irm’s employees, and anticipated amount of
work. The fee to be assessed and speci ic billing arrangement will be outlined in Schedule A of the
client’s signed advisory agreement.

For Schwab, Pershing and Fidelity, annualized fees are billed on a daily pro-rata basis quarterly in
advance or arrears based on the value of the account(s) as recorded in Orion’s portfolio management
software on the last day of the previous quarter, calculated as follows: (fee % x account value on last
day of previous quarter)/365 x number of days in quarter. For SEI, annualized fees are billed on a pro-
rata basis quarterly in arrears based on the value of the account(s) as recorded in SEI on the last day
of the previous quarter. Fees will be adjusted for deposits and withdrawals made during the quarter.
Our irm bills on cash unless indicated otherwise in writing. In rare cases, our irm will agree to
directly invoice. Fees are negotiable and will be deducted from the account(s). As part of this process,
clients understand the following:
    a) Client provides authorization permitting our irm, to be directly paid by these terms.
    b) 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 irm.
    c) Our irm will send an invoice directly to the custodian.
    d) If our irm sends an invoice to the client, our invoice will include a disclosure urging the client
        to compare the information provided in our statement with those from the quali ied
        custodian.

Fees charged for any selected third party money manager services (such as Orion Communities and
FMAX) shall be in addition to our irm’s advisory fees. However, the fee for selected third party money
managers will not exceed 1.00%. The third party money managers we recommend will not directly
charge clients a higher fee than they would have charged without us introducing clients to them. Third
party money managers establish and maintain their own separate billing processes over which MWM

has no control. In general, they will directly bill clients and describe how this works in their separate
written disclosure documents.

LPL Sponsored Programs:

The maximum fees for the LPL sponsored advisory programs are as follows:

   LPL Sponsored Advisory Program                              Annual Percentage of Assets Charge
   Optimum Market Portfolios Program (OMP)                     Up to 2.00%
   Personal Wealth Portfolios Program (PWP)                    Up to 2.00%
   Model Wealth Portfolios Program (MWP)                       Up to 2.00%
   Manager Access Select Program (MAS) Manager                 Up to 2.00%
   Access Network (MAN)                                        Up to 2.00%

The fees for LPL’s Financial Sponsored Advisory Programs are billed on a pro-rata annualized basis
quarterly in advance based on the value of your account on the last day of the previous quarter. LPL
serves as program sponsor, investment adviser and broker-dealer for the LPL advisory programs. Our
 irm and LPL may share in the account fee and other fees associated with program accounts.

Our irm’s fees are billed on a pro-rata annualized basis quarterly in advance based on the value of
your account on the last day of the previous quarter. Management fees will be deducted from the
client’s managed account, upon a signed Account Application Form. The ultimate management fee is
indicated on the Account Application Form. Our irm does not have the authority to instruct LPL
Financial to change or deduct fees without written client consent. LPL Financial sends a quarterly
statement showing all fees deducted from the client accounts.

Retirement Plan Consulting:
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Item 7 – Types of Clients

The advisory services offered by Moneco Advisors are available for individuals, individual retirement
accounts (“IRAs”), banks and thrift institutions, pension and pro it-sharing plans, including plans
subject to Employee Retirement Income Security Act of 1974 (“ERISA”), trusts, estates, charitable
organizations, state and municipal government entities, corporations and other business entities.
However, the irm generally provides investment advice to individuals and high net worth individuals.

Our requirements for opening and maintaining accounts or otherwise engaging us:
   • Our irm requires a minimum account balance of $10,000 for our Asset Management service.
       Generally, this minimum account balance requirement is negotiable and would be required
       throughout the course of the client’s relationship with our irm.
   • A minimum account value of $15,000 is required for OMP.
   • A minimum account value of $250,000 is required for PWP.
   • A minimum account value of $50,000 is required for MWP.
   • A minimum account value of $100,000 is required for MAS or MAN. However, in certain
       instances, the minimum account size may be lower or higher.