Oaktrust Wealth Advisors LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor that detail the responsibilities of the parties.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees range up to 1.25% annually based
on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and
the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements,
portfolio restrictions and other complexities may be charged a higher fee.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by OakTrust will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

Use of Independent Managers – As noted in Item 4, the Advisor will implement all or a portion of a Client’s
investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor
does not earn any compensation from an Independent Manager. The Advisor will only earn its investment
advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a
                                            OakTrust Wealth Advisors, LLC
                                         49 Saddle Ridge Road, Wilton, CT 06897
                                        Phone: (203) 563-0044 | Fax: (203) 549-0800
                                                   www.oaktrustllc.com

breakpoint schedule which will reduce the fee with an increased level of assets placed under management with
an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s
disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including
the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually.

Financial Planning Services
OakTrust offers financial planning services either on an hourly or fixed fee basis. Hourly engagements range from
$100 to $500 per hour. Fixed fee engagements range from $500 to $15,000. Fees may be negotiable based on the
on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and total costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Custodian and deducted from the Client’s account[s]. The Client
shall instruct the Custodian to automatically deduct the investment advisory fee from the Client’s account[s] for each
billing period and pay the investment advisory fee[s] to the Advisor. The Custodian will utilize the fee rate, as
defined in the advisory agreement, to indicate the fee to be deducted from the Client’s account[s] at the respective
quarter-end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total
assets under management with OakTrust at the end of the prior quarter. Clients will be provided with a statement,
at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is the responsibility of
the Client to verify the accuracy of these fees as listed on the Custodian’s statement as the Custodian does not
assume this responsibility. Clients provide written authorization permitting the Custodian to pay OakTrust by direct
deduction from their account[s] held by the Custodian as part of the investment advisory agreement and separate
account forms provided by the Custodian.

Use of Independent Managers
For Client account[s] with assets implemented through an Independent Manager, the Client’s overall fees will often
include OakTrust’s investment advisory fee (as noted above) plus advisory fees and/or platform fees charged by
the Independent Manager[s], as applicable. The Custodian will assume responsibility for calculating the Client’s
fees and deduct all fees from the Client’s account[s].

Financial Planning Services
Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the
financial planning. The balance shall be invoiced upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees and/or charges imposed by third parties in connection with investments made on
behalf of the Client’s account[s], as well as any applicable regulatory fees. OakTrust may include securities
transactions costs as part of its overall investment advisory fee through the OakTrust Wrap Fee Program.
Securities transaction fees for Client-directed trades may be charged back to the Client. Please see Item 4.D.
above as well as Appendix 1 – Wrap Fee Program Brochure.

In addition, all fees paid to OakTrust for investment advisory services or part of the OakTrust Wrap Fee Program
are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if
applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will
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Item 7 – Types of Clients
OakTrust offers investment advisory services to individuals, high net worth individuals, trusts, and estates. The
amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over
time and are updated at least annually by the Advisor. OakTrust generally does not impose a minimum size for
establishing a relationship. However, certain independent managers may impose minimums for their investment
strategies.