Providence Wealth Management LLC

(Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule
D: Schedule of Fees).
GI will assist in the opening, closing and transferring of accounts. GI will provide
institutional and 3rd party reports on securities held in the account and investment
analysis via email or via phone when requested. GI will liquidate and purchase securities
per the client’s request. GI will also provide administrative services per the client’s written
request such as: ACH, check writing, RMD servicing. GI will provide consolidated household
performance reporting on these accounts which are combined with any GI managed
accounts.
Incentive Program - GI
In addition to the regular advisory fee, GI has instituted a long-term incentive arrangement
by which the independent RIA can share in GI’s portion of the management fee. This does
not change the cost to the Client; it is a sharing arrangement paid from GI’s portion of the
advisory fee.
The incentive arrangement will be paid annually according to the following table:

          PWM quarterly AUM with GI                  Participation rate in GI’s fee
                $10,000,000                                     3.00%
                $25,000,000                                    10.00%
                $50,000,000                                    12.50%
                $75,000,000                                    15.00%
Once PWM reaches and maintains the thresholds listed above, the participation rate
applies to all of the AUM for the quarter.
To receive the incentive award, PWM needs to meet two qualifications. First, the quarter
end billable AUM must be above the threshold amounts specified. Second, PWM must be an
advisor “in good standing” with GI at the time the annual checks are issued. “In good
standing” means the advisor is proactively placing assets with GI.
Under the Client’s investment advisory relationship with Advisor, all funds should be made
payable to the Advisor’s clearing firm. PWM may not accept cash or any other instrument
payable to PWM.
   1. The management fees listed herein is Gradient Investments, LLC fee schedule as
      contained in the advisory agreement.
   2. All accounts assigned to and managed by Gradient Investments, LLC follow the
      above fee schedule and cannot be altered by PWM without written consent from
      Gradient Investments, LLC
   3. PWM’s portion of the management fee will be paid to PWM within 30 days after
      receipt by Advisor.
   4. A Client with multiple accounts may combine assets for fee computation.
   5. Fees are payable quarterly, in arrears, based on the most recent quarter end values.
FINANCIAL PLANNING and CONSULTING
Full Financial Plan & Consultation Services
PWM charges hourly fee of $350 based on complexity and unique Client needs for financial
planning. Prior to the planning process the Client will be provided an estimated plan fee.
Fees for financial plans are due upon delivery of the completed plan.
Services are completed and delivered inside of ninety (90) days contingent upon timely
delivery of all required documentation. Client may cancel within five (5) business days of
signing Agreement with no obligation and without penalty. If the Client cancels after five
(5) business days, any unearned fees will be refunded to the Client, or any unpaid earned
fees will be due to PWM. PWM reserves the right to waive the fee should the Client
implement the plan through PWM.
Ongoing Financial Planning Fees
The annual fee for ongoing financial planning services ranges from $1,000 to $30,000,
depending on the scope and complexity of services provided. The fee will be billed
quarterly in arrears in four equal installments.
Ongoing financial planning services will continue until cancelled by either the client or the
firm. The client may cancel services at any time by providing written notice. If services are
cancelled, fees for any services provided will be prorated for the period of time services
were rendered and will be due to the firm.

Client Payment of Fees
 Investment management fees are charged quarterly in arrears. Fees are usually deducted
 from a designated Client account to facilitate billing. The Client must consent in advance to
 direct debiting of their investment account.
 Fees for financial plans are due upon delivery of the financial plan.
 Clients will be billed in accordance with the Co-Advisor’s fee schedule which will be
 disclosed to the Client’s prior to signing an agreement.
Additional Client Fees Charged
 Custodians may charge transaction fees on purchases or sales of certain mutual funds,
 equities and exchange-traded funds. These transaction charges are usually small and
 incidental to the purchase or sale of a security. The selection of the security is more
 important than the nominal fee that the custodian charges to buy or sell the security.
 PWM, in its sole discretion, may waive its minimum fee and/or charge a lesser investment
 advisory fee based upon certain criteria (e.g., historical relationship, type of assets,
 anticipated future earning capacity, anticipated future additional assets, dollar amounts of
 assets to be managed, related accounts, account composition, negotiations with Clients,
 etc.).
Prepayment of Client Fees
 PWM doesn’t charge fees in advance.
External Compensation for the Sale of Securities to Clients
 PWM does not receive any external compensation for the sale of securities to Clients, nor
 do any of the investment advisor representatives of PWM.

Item 7: Types of Clients
Description
 PWM generally provides investment advice to individuals, high net worth individuals,
 corporations or business entities. Client relationships vary in scope and length of service.
Account Minimums
 PWM does not require a minimum to open an account however Third Party Money
 Managers we utilize may have a minimum to open an account on their platform.