Spire Wealth Management LLC

Item 5        Fees and Compensation
In most cases, the annual account management fees are payable monthly in arrears and are based
upon a percentage of assets under management and generally range from .02% to 2.25%. Values
are calculated using the average daily balance provided by our custodians.

Please see individual advisor for their fee schedule, which will be disclosed on the Investment
Advisory Agreement.

Certain separately managed account programs may charge fees in arrears and will have differing
methods of computing their fees. Please refer to the respective account program brochure for
specific information on their fees and schedules.

While Spire does not have a minimum account size, it is generally preferred to have a minimum
of $25,000 in assets under management. This account size may be negotiable under certain
circumstances. Spire may group certain related client accounts for the purposes of achieving the
minimum account size and determining the annualized fee.

Fees may also be billed on a fixed rate schedule as authorized by the client agreement. Fees may
be withdrawn directly from a specified account or by invoicing the client. Custodial statements will
reflect any fees deducted from the accounts.

Limited Negotiability of Advisory Fees:
Although Spire Wealth Management, LLC has established the aforementioned fee schedule(s),
the IAR retains the discretion to negotiate alternative fees on a client-by-client basis. Client facts,
circumstances and needs are considered in determining the fee schedule. These include the
complexity of the client, assets to be placed under management, anticipated future additional
assets; related accounts; portfolio style, account composition, reports, among other factors. The
specific annual fee schedule is identified in the Investment Advisory Agreement (IAA) between the
adviser and each client.

IARs in their separate capacity may be licensed as registered representatives of Spire Securities,
an affiliated broker-dealer and/or licensed as insurance agents or brokers. These individuals are
able to implement investment recommendations for clients for separate and typical compensation
(i.e., commissions, 12b-1 fees or other sales-related forms of compensation). This presents a
conflict of interest to the extent that these individuals recommend that a client invest in a security
which results in a commission being paid to the individuals. Spire IARs will not charge advisory
fees in addition to commissions or markups when securities products are sold through Spire
Securities. Clients are not under any obligation to engage these individuals when considering
implementation of advisory recommendations and clients have the option to purchase investment
products that our IARs recommend through other brokers or agents that are not affiliated with us.
The implementation of any or all recommendations is solely at the discretion of the client.

Financial Planning Fees
Spire Wealth Management, LLC's Financial Planning fee is determined based on the nature of the
services being provided by the individual advisor and the complexity of each client's
circumstances. All fees are agreed upon prior to entering into a contract with any client.

Our Financial Planning fees are negotiated between the client and the planner and are based on
a variety of factors, including but not limited to, the nature and scope of the engagement. Fees are
typically calculated and charged on an hourly basis. Although the length of time it will take to
provide a Financial Plan will depend on each client's personal situation, we will provide an estimate
for the total hours at the start of the advisory relationship.

Our Financial Planning fees may be calculated and charged on a fixed fee basis, depending on
the specific arrangement reached with the client. Planning fees may be charged on an hourly
basis or on a subscription-based plan.

We may request a retainer upon completion of our initial fact-finding session with the client. The
balance is due upon completion of the plan. The client may be billed quarterly or on an annual
basis based on actual hours accrued. Financial planning fees are paid by check or by credit card.

General Information
Termination of the Advisory Relationship: A client agreement may be canceled at any time, by
either party, for any reason upon receipt of 30 days written notice. As disclosed above, certain
financial planning fees may be paid in advance of services provided. Upon termination of any
account, any prepaid, unearned fees will be promptly refunded. In calculating a client's
reimbursement of fees, we will pro rate the reimbursement according to the number of days
remaining in the billing period.

Mutual Fund Fees: All fees paid to Spire Wealth Management, LLC for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds and/or
ETFs to their shareholders. These fees and expenses are described in each fund's prospectus.
These fees will generally include a management fee, other fund expenses, and a possible
distribution fee and or a 12b-1 fee. If the fund also imposes sales charges, a client may pay an
initial or deferred sales charge. Spire Wealth will not participate in any distribution fees or sales
charges.

A client could invest in a mutual fund directly, without our services. In that case, the client would
not receive the services provided by our firm which are designed, among other things, to assist
the client in determining which funds are most appropriate to each client's financial condition and
objectives. Accordingly, the client should review both the fees charged by the funds and our fees
to fully understand the total amount of fees to be paid by the client and to thereby evaluate the
advisory services being provided.

Many fund families will also make available share classes that may offer reduced or no fee fund
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Item 7      Types of Clients
 Spire Wealth Management, LLC provides advisory services to the following types of clients:
       Individuals
       High net worth individuals
       Corporations or other businesses
       Trusts and Retirement Plans