Noble Family Wealth LLC

Item 5 Fees and Compensation

Asset Management Fees
Pursuant to an Investment Advisory Agreement signed by each client, the client will pay NFW an
annual management fee of up to 1.0%, payable monthly in advance, based on the value of portfolio
assets of the account managed by the Advisor as of the opening of business on the first business
day of each month. New account fees shall commence on the first business day of the first full
month after signing the advisory agreement. These fees may be negotiated by NFW at its sole
discretion for several reasons, including size of a client’s account, a pre-existing client relationship,
and account retention. NFW can also choose to cover or reimburse custodian administrative
charges (e.g., overnight, wire, and statement charges, etc.) based on these factors as well. These
practices create a conflict of interest in that some clients are charged more than other clients. The
client will give written authorization permitting the Advisor to be paid directly from their account
held by the custodian. The custodian will send a statement at least quarterly to the client and the
amount withdrawn from the client account. Where it is not practical to deduct fees directly from
client accounts, client will be sent an invoice at the beginning of each month. The invoice is
payable upon receipt.

The comprehensive financial planning services described in Item 4 are included in the annual
management fee described above. NFW does not charge separately for the financial planning
services.

All fees paid to NFW for investment advisory services are separate and distinct from the expenses
charged by mutual funds and exchange traded funds to their shareholders. These fees and expenses
are described in each fund’s prospectus. These fees will generally include a management fee and
other fund expenses.

The client is responsible for all custodial and securities execution fees charged by the custodian
and executing broker-dealer. The Advisor’s fee is separate and distinct from the custodian and
execution fees.

NFW’s management fee is payable in advance. Upon termination, any fees paid in advance will
be prorated to the date of termination and any unearned fees will be refunded to client.

Neither NFW nor its supervised persons accept compensation for the sale of securities or other
investment products, including asset-based sales charges or service fees from the sale of mutual
funds.

Item 7 Types of Clients

The Advisor will offer its services to individuals, trusts, estates, and charitable organizations. We
generally impose a minimum aggregated value of $2 million per client relationship but may waive
this requirement for smaller accounts at our discretion.

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When NFW provides investment advice to a client regarding their retirement plan or individual
retirement account, NFW is a fiduciary within the meaning of Title I of ERISA and/or the Internal
Revenue Code, as applicable, which are laws governing retirement accounts. The way NFW
makes money creates some conflicts with a retirement client’s interests, so NFW operates under
a special rule that requires NFW to act in a retirement client’s best interest and not put NFW’s
interest ahead of them. Under this regulation’s provisions, NFW must:
     • Meet a professional standard of care when making investment recommendations (give
        prudent advice);
     • Not put NFW’s financial interests ahead of a retirement client’s when making
        recommendations (give loyal advice);
     • Avoid misleading statements about conflicts of interest, fees, and investments;
     • Follow policies and procedures designed to ensure that NFW gives advice that is in a
        retirement client’s best interest;
     • Charge no more than is reasonable for NFW’s services; and
     • Give a retirement client basic information about conflicts of interest.

NFW has an economic incentive to encourage a client to rollover a retirement plan or IRA into
an IRA NFW manages. This arrangement creates a conflict of interest in that it creates an
incentive for NFW to recommend that a client rollover their account for advisory services rather
than retaining it with an unaffiliated third party.