RBG Wealth Advisors LLC

Item 5: Fees and Compensation

 A. Fee Schedule

Portfolio Management Fees

             Total Assets Under Management               Annual Fees

             $0 - $1,999,999                             1.00%

             $2,000,000 - $4,999,999                     0.75%

             $5,000,000 - $9,999,999                     0.50%

             $10,000,000 - $19,999,999                   0.35%

             $20,000,000 – And Up                        0.25%

The advisory fee is calculated using the value of the assets in the Account on the last business day
of the prior billing period.

These fees are negotiable, and the final fee schedule will be memorialized in the client’s advisory
agreement. Clients may terminate the agreement without penalty for a full refund of RBGWA's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients may
terminate the Investment Advisory Contract generally with 30 days' written notice.

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Selection of Other Advisers Fees

RBGWA may direct clients to third-party investment advisers. RBGWA will be paid its standard
advisory fee as disclosed above. RBGWA’s fees are negotiable and the final fee schedule will be
memorialized in the client’s advisory agreement. The amount, timing, frequency, and method of
paying fees and notification of termination requirements for third-party investment advisers will
depend on the specific third-party adviser selected and will be disclosed to the client prior to
entering into a relationship with the third-party adviser. The combined fee will not exceed any limit
imposed by any regulatory agency.

Financial Planning and Consulting Fees

In limited situations, RBGWA may charge a fixed fee to provide clients with stand-alone financial
planning and/or consulting services. These fees are negotiable, based upon the level and scope of
the services to be rendered, and memorialized in the Investment Advisory Contract. If the client
engages RBGWA to perform additional advisory services, RBGWA may agree to offset all or a
portion of its fee accordingly. The circumstances surrounding when financial planning and
consulting fees are payable are dealt with on a client-by-client basis.

Retirement Plan Services Fees

Fees for retirement plan services are negotiable based on the level and scope of services to be
rendered as well as the size and complexity of the pension or retirement plan. The services and
fees will be negotiated prior to execution of the consulting agreement and memorialized therein.

 B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts with
client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Selection of Other Advisers Fees

RBGWA bills client advisory fees in advance and the selected third-party manager bills client fees
in arrears. Fees are withdrawn from client accounts and the custodian pays the selected third-party
and RBGWA its portion of payment of fees.

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Payment of Financial Planning Fees

Payment of financial planning fees are negotiated with the client at the onset of the financial
planning relationship. The negotiated financial planning fee payment structure is memorialized in
the client’s Financial Planning Agreement.

Payment of Retirement Plan Consulting Fees

Payment of pension and retirement plan consulting fees are negotiated with the client prior to
execution of the pension consulting agreement. The negotiated pension and retirement plan
consulting fee payment structure is memorialized in the client’s Retirement Plan Consulting
Agreement.

 C. Client Responsibility for Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees,
mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and
expenses charged by RBGWA. Please see Item 12 of this brochure regarding broker-
dealer/custodian.

 D. Prepayment of Fees

RBGWA collects fees in advance. Refunds for fees paid in advance but not yet earned will be
refunded on a prorated basis and returned within fourteen days to the client via check or return
deposit back into the client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees
collected in advance minus the daily rate* times the number of days elapsed in the billing period
up to and including the day of termination. (*The daily rate is calculated by dividing the annual
asset-based fee rate by 365.)

 E. Outside Compensation for the Sale of Securities to Clients

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

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Item 7: Types of Clients

RBGWA generally provides advisory services to the following types of clients:

   ❖   Individuals
   ❖   High-Net-Worth Individuals
   ❖   Institutions
   ❖   Charitable and Not-For-Profit Organizations
   ❖   Foundations
   ❖   Pensions and Profit-Sharing Plans

Generally, RBGWA has a client minimum of $1,000,000 in investable assets. However, this
requirement may be waived at RBGWA’s discretion.