Quest 10 Wealth Builders Inc

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees
Q10WB charges a fee for investment supervisory services (“Advisory Fee”) based upon the client’s
assets under management. These are fees charged to the client for investment supervisory services

performed directly by Q10WB or its adviser representatives. These Advisory Fees are based on the
following schedule:
               Total Assets Under Management                      Annual Fee
                       $25,0000 - $250,000                           1.65%
                       $250,000 - $750,000                           1.50%
                      $750,000 - $1,000,000                          1.30%
                        Above $1,000,000                          Negotiable

These A d v i s o r y Fees are negotiable, and the final fee schedule is attached as Exhibit II
of the Investment Advisory Contract. Fees are paid m o n t h l y o r quarterly in arrears based
on the average daily balance of the client’s account during the quarter being billed, and clients
may terminate their contracts with thirty days’ written notice. Clients may terminate their
accounts without penalty within 5 business days of signing the advisory contract. Advisory fees
are withdrawn directly from the client’s accounts with client written authorization. Fees are
pro-rated based on the number of days in the quarter services are provided.
Clients may terminate their contracts without penalty, for full refund, within 5 business days of
signing the advisory contract.
Our receipt of an asset-based fee presents a conflict of interest. This is because the more assets there
are in the client’s account, the more the client will pay in fees. Therefore, we have an incentive to
encourage clients to increase the assets in their accounts. We address this conflict of interest by
ensuring any such recommendations are in the client’s best interest.
Selection of Other Advisors Fees
Q10WB will direct clients to various third- party money managers, co-advisers and sub-advisers.
Currently Q10WB uses A.E. Wealth Management, LLC (“AE Wealth”) and other managers made
available to us through AE Wealth’s platform as third-party money manager. However, another
manager may be used if that firm is determined to be a good fit for any of Q10WB's clients.
The advisory fee shown on the schedule above is the maximum fee any client will pay. Sub-advisers
are compensated by Q10WB. The sub-advisory fee paid by Q10WB is currently 0.25% for all clients
where a sub-adviser is utilized. Please note that because Q10WB’s total compensation will be higher
in accounts for which no sub-adviser is hired, Q10WB has a conflict of interest. Similarly, Q10WB
has an incentive to retain sub-advisers, or to place clients’ accounts in sub-advisers’ programs, that
charge lower sub-advisory fees than other sub-advisers or programs may charge. This incentive
exists because Q10WB’s total compensation increases as sub-advisory or co-advisory fees decrease.
This also creates a conflict of interest. Q10WB addresses these conflicts of interest by asking that the
sub-advisers and programs selected are in each client’s best interest, and that they are not selected
based upon total compensation to Q10WB.
Educational Seminar Fees
The cost of attending educational seminars via local community colleges and universities varies at
our discretion and based on expenses but will not exceed $29 per family.

Financial Planning Fees
Fixed Fees
Depending upon the complexity of the situation and the needs of the client, the rate for creating
client financial plans is a minimum of $1,500. Fees are paid in arrears upon completion. The fees
are negotiable, and the final fee schedule will be attached as Schedule A of the Financial
Planning Agreement.
Hourly Fees
The hourly fee for these services is $350 per hour. The fees are negotiable, and the final fee
schedule will be attached as Schedule A of the Financial Planning Agreement. Q10WB will
estimate hours to complete the services with a minimum of $1,500 charged to client. If Q10WB
anticipates exceeding the estimated amount of hours required, Q10WB shall contact Client to
receive authorization to provide additional services. Fees are paid in arrears upon completion.
Consulting Fees
An hourly fee may be charged for consulting services. The hourly fee is $350 per hour. The fees
are negotiable, and the final fee schedule will be attached as Schedule A of the Financial or
Consulting Planning Agreement. Consulting is typically an ongoing relationship and the scope of
the consulting varies by client. Consulting services may be terminated at any time by client or
Q10WB. Upon termination, Q10WB will provide client with an outstanding balance of any hourly
fees due.
Retirement Plan Consulting Services
Q10WB charges an annual investment advisory fee for retirement plan consulting services. Fees do
not usually exceed 1.00% of the total plan assets placed under our advisement. The exact annual fee
and method of payment will be specified in the Retirement Plan Consulting Agreement. Fees are
negotiable.

B. Payment of Fees

Payment of Investment Supervisory Fees
Advisory Fees are withdrawn directly from the client’s accounts with client written authorization.
Advisory Fees are paid quarterly in arrears based on the average daily balance of the client’s account
during the current quarter. When the services of a third-party manager or co-adviser are used, in
some situations the fees will be paid monthly in arrears based on the average daily balance of the
client’s account during the current month, as detailed in the agreement between the client and the
third-party money manager. Advisory Fees are pro-rated based on the number of days services are
provided.
Payment for Educational Seminars
Educational Seminars are paid either via check mailed ahead of time or via credit card ahead of
time or at event.
Payment of Financial Planning Fees
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Item 7: Types of Clients
Q10WB generally provides investment advice and/or management supervisory services to the
following Types of Clients:
       ❖ Individuals
       ❖ High-Net-Worth Individuals
       ❖ Corporations or Business Entities

Minimum Account Size
There is an account minimum, $25,000, which may be waived by the investment advisor, based on
the needs of the client and the complexity of the situation. Various third-party money managers
may impose their own minimum account specifics.