S Capital 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.

A. Fees for Advisory Services
Investment Management Services
Investment management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment management agreement. Investment management fees are based on the market value of assets under
management at the end of the prior calendar quarter.

Investment management fees are based on the following schedule:

                  Assets Under Management ($)                Annual Rate (%)
                   First $750,000                                1.00%
                   Next $750,000                                 0.75%
                   Next $1,500,000                               0.50%

The investment management 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. Certain Clients may
have a fixed fee arrangement or fee schedule that differs from the above. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by Yes Wealth Management will be independently valued by the Custodian. The Advisor will conduct periodic
reviews of the Custodian’s valuations to ensure accurate billing.

                               S Capital Wealth Advisors, LLC d/b/a Yes Wealth Management
                                         86 Mahtomedi Avenue, Mahtomedi, MN 55115
                                         Phone: (651) 426-5854 | Fax: (651) 429-5809
 Page 6                                             www.yeswealth.com

Retirement Plan Advisory Services
Fees for retirement plan advisory services are generally charged an annual asset-based fee, billed quarterly, in
advance of each calendar quarter. Fees may be negotiable depending on the size and complexity of the Plan.
Fees are generally based on the following schedule:

                 Assets Under Management ($)                 Annual Rate (%)
                  First $750,000                                 1.00%
                  Next $750,000                                  0.75%
                  Next $1,500,000                                0.50%

Certain existing Clients may have fee schedules that differ from the schedule above.

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, and costs.

B. Fee Billing
Investment Management Services
Investment management fees are calculated by the Advisor or its delegate and typically deducted from the Client’s
account[s] at the Custodian. In limited circumstances, certain Clients may have arrangements to pay the Advisor
directly. The Advisor or its delegate shall send an invoice to the Custodian indicating the amount of the fees to be
deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by
applying the quarterly rate (annual rate divided by the number of days in the year, multiplied by the number of days
in the quarter) to the total assets under management with Yes Wealth Management at the end of the prior quarter.
Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the
investment management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
Custodian’s brokerage statement, as the Custodian does not assume this responsibility. Clients provide written
authorization permitting advisory fees to be deducted by Yes Wealth Management directly from their account[s] held
by the Custodian as part of the investment management agreement and separate account forms provided by the
Custodian.

Retirement Plan Advisory Services
Fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms
of the retirement plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties other than Yes Wealth Management in
connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody
and securities execution fees charged by the Custodian. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
mutual funds and other types of investments. The fees charged by Yes Wealth Management are separate and
distinct from these custody and execution fees.

In addition, all fees paid to Yes Wealth Management for investment advisory services 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 generally be used to pay
management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and
account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without
the services of Yes Wealth Management, but would not receive the services provided by Yes Wealth
Management, which are designed, among other things, to assist the Client in determining which products or
...

Item 7 – Types of Clients

Yes Wealth Management offers investment advisory services to individuals, high net worth individuals, trusts,
estates, and retirement plans. These amounts may change over time and are updated at least annually by the
Advisor. Yes Wealth Management does not require a minimum size to establish a relationship.