Saltmarsh Financial Advisors LLC

Item 5 - Fees & Compensation
Fee Structure for Managed Accounts
The Standardized fee structure below presents the annual percentage charged for portfolio management provided on an asset-
based fee arrangement. The fee for a quarter is one fourth of the annual applicable percentages multiplied by the aggregate
market value of the assets in the account on the last day of the previous calendar quarter. The fee schedule is as follows:

                                               Managed Account Fee Schedule
                                       Account Balance                      Annual Fees
                                      $500,000 - $750,000                        1.50%
                                     $750,001 - $1,000,000                       1.25%
                                     $1,000,001 - $1,500,000                     1.10%
                                    $1,500,001 - $2,000,000                      1.00%
                                       $2,000,001 and up                         0.95%

The Company requires a minimum initial investment of $500,000 to open a managed account. This minimum may be waived
under certain circumstances.

The Company retains discretion to modify the above fee structure depending on the size, complexity, and nature of the portfolio
managed. The fees may be negotiable on a client-to-client basis.

NOTE: Fee structure for Separately Managed Accountsis available upon request.

Billing
Each client’s account is debited quarterly in advance based upon the last day of the previous calendar quarter account value.
Clients may also elect to be invoiced directly. For the first billing quarter, if an account is not opened at the beginning/end of a
quarter, the fee will be based upon a pro-rata calculation of the aggregate market value of the client’s assets under management.

Additional assets deposited into a client’s account during the quarter may result in adjustments by the Company to a client’s bill.
A pro-rata fee based upon the number of days remaining in the current quarterly period will be assessed to the client. No fee
adjustment will be made for partial withdrawals within a billing period.

Fee Exclusions
The above fees are exclusive of any fees, trading commissions, service or account charges, and load or redemption charges that
may be imposed by a fund company, custodian or broker/dealer. In addition, clients are advised when purchasing investment
company products that all fees paid to the Company for advisory services listed above are separate from the fees and expenses
charged to beneficial-interest-partners of mutual fund shares by the investment company or by the investment advisor
managing the mutual fund portfolios. A complete explanation of these expenses charged by the mutual funds is contained in
each mutual fund’s prospectus. Clients are encouraged to carefully read the fund prospectus. Also, see Item 12 which discusses
the Company’s brokerage practices.
Disclosure Brochure | Saltmarsh Financial Advisors, LLC                                                                  Page 8 of 28

Financial Planning Fees
The Company’s financial planning fees will be based on the size, complexity, and nature of each client’s personal and financial
situation and the amount of time it will take to analyze and summarize the plan.

Comprehensive Financial Planning Fees
All financial planning fees will be disclosed up-front in a Financial Planning Agreement (“Agreement”), which will include an
estimate of the cost to review the client’s financial information and prepare the comprehensive financial plan. The fee will
generally not exceed the written estimate provided in the Agreement and one-half the fee is due at the time the Agreement
is signed. Financial planning services are based on an hourly rate not to exceed $450 per hour and will be projected in the
Agreement as a fixed fee that typically starts at $5,000 for a comprehensive financial plan.

Hourly Consultations
The Company’s hourly consultations target for review and analysis core areas of financial need for a client. The time it will take
to analyze and summarize the client’s finances will have a profound impact on the cost to complete the consultation. Hourly
consultations will be billed at a rate not to exceed $450 per hour, and any clerical fees will not exceed $250 per hour.

All fees will be completely itemized in a monthly billing statement to the client, or as otherwise predetermined in a proposal,
engagement letter and/or by retainer.

Under no circumstances will the company require payment of $1,200 or more six months or more in advance of services
provided.

Item 7 - Types of Clients
The Company provides investment advisory and financial planning services to individuals, trusts, estates, charitable organizations,
pension & profit sharing plans and corporations or business entities. As previously stated, the Company requires a minimum
initial investment of $500,000 to open a managed account. This minimum may be waived under certain circumstances.