Peddock Capital 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.

2                                                 Peddock Capital Advisors, LLC
                                  50 Braintree Hill Office Park, Suite 207 Braintree, MA 02184
                                                     Phone: (781) 848-0288
                                                 https://www.peddock.com

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid monthly in arrears, pursuant to the terms of the wealth management agreement.
Wealth management fees are based on the market value of assets under management at the end of each month.
Wealth management fees range up to 1.00% annually based on several factors, including: the scope and
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 wealth management fee in the first month is prorated from the inception date of the account to the end of the
month. All securities held in accounts managed by PCA will be independently valued by the Custodian. The Advisor
will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Fees are determined at the
sole discretion of the Advisor. Fees may vary from the fee rate above, depending on the nature and complexity of
each Client’s circumstances.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, or costs.

The Client may make additions or withdrawals from the account[s] at any time, subject to the Advisor’s right to
terminate an account or the overall relationship. Additions may be in cash or securities provided that the Advisor
reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s
account[s]. Clients may withdraw account assets upon notice to PCA, subject to the usual and customary securities
settlement procedures. However, the Advisor typically designs its investment portfolios as long-term investments
and the withdrawal of assets may impair the achievement of a Client’s investment objectives. PCA may consult the
Client about the implications of such transactions. Clients are advised that when such securities are liquidated, they
may be subject to securities transaction fees, short-term redemption fees, and/or tax ramifications.

Consulting Services
PCA’s consulting services are generally included under a wealth management engagement, and provided as part
of the annual asset-based fee set forth above. PCA may, however, pass along certain administrative or overhead
costs to clients that the firm incurs in the course of providing these services (e.g., expenses for an audit of the
accounts over which PCA maintains custody).

Under certain limited circumstances, PCA also charges an hourly-based fee for consulting services. PCA may
charge this hourly fee in the event 1) a non-investment management client engages the firm to provide these
services, or 2) an existing client engages PCA to provide services requiring an excessive amount of time and/or
substantial resources. PCA offers consulting services at rates ranging from $150 to $500 per hour. Fees are based
on the nature and complexity of the services to be provided and the overall relationship with the Advisor.

Retirement Plan Advisory Services
Retirement plan advisory fees are typically paid quarterly, at the end of each calendar quarter, pursuant to the
terms of the retirement plan advisory agreement. Retirement plan advisory fees are either charged a fixed fee or an
annual asset-based fee. Fixed fees range up to $10,000 per year and asset-based fees range up to 0.75% of
assets under management at the end of the quarter. Retirement plan advisory fees are based on the scope and
complexity of the services provided to the Plan and are negotiable at the sole discretion of the Advisor.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor or its delegate shall communicate with the Custodian indicating the amount of the fees
to be deducted from the Client’s account[s] at the respective month-end date. The amount due is calculated by
applying the monthly rate (annual rate divided by 12) to the total market value of each account at the end of each
month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
wealth management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
3                                                 Peddock Capital Advisors, LLC
                                  50 Braintree Hill Office Park, Suite 207 Braintree, MA 02184
                                                     Phone: (781) 848-0288
                                                 https://www.peddock.com

Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written
authorization permitting advisory fees to be deducted by PCA to be paid directly from their account[s] held by the
Custodian as part of the wealth management agreement and separate account forms provided by the Custodian.

Consulting Services
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Item 7 – Types of Clients

PCA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, businesses and retirement plans. 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.
PCA does not impose a minimum size for establishing a relationship.