Terrafirma Wealth Partners 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 a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly in arrears pursuant to the terms of the wealth management agreement.
Wealth management fees are based on the average daily balance of the market value of assets under management at
the end of the calendar quarter. Wealth management fees are based on the following blended schedule:

                               Assets Under Management ($)                 Annual Rate (%)
                               $0 to $499,999.99                                1.50%
                               $500,000 to $749,999.999                         1.15%
                               $750,000 to $999,999.99                          0.90%
                               $1,000,000 to $2,999,999.99                      0.70%
                               $3,000,000 to $9,999,999.99                      0.55%
                               $10,000,000 and Above                            0.50%

The wealth 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. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
TerraFirma will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

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.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. If the Advisor uses an Independent Manager for all or a portion of the Client’s portfolio, the
                                                TerraFirma Wealth Partners LLC
                                        1255 Treat Blvd. Suite 300 Walnut Creek, CA 94597
                                                       Phone: 925-587-8882
                                                    https://terrafirmawealth.com

Advisor will either add the Independent Manager’s fee to the Advisor’s fee and then pay the independent manager,
or the Client will need to sign a separate agreement with the Independent Manager in order to allow that manager
to deduct their fees directly from the Client’s account(s). The total fee, including the Advisor’s fee and the
Independent Manager’s fee, will not exceed 1.75% annually.

Pursuant to California Code of Regulations Section 260.238(j), the Advisor discloses that the Client may be able to
obtain similar services from other services providers for a lower fee.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.
The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s
account[s] at the respective quarter end date. The amount due is calculated as follows: (average daily balance of assets
under management x annual rate) x (effective days in the billing period / days in the year). Clients will be provided
with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee. Clients are
urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian,
as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees
to be deducted by TerraFirma to be paid directly from their account[s] held by the Custodian as part of the wealth
management agreement and separate account forms provided by the Custodian.

Use of Independent Managers
The Advisor and the Independent Manager will each be responsible for calculating their respective fees from the
Client's account(s) for portfolios that are implemented through an Independent Manager.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than TerraFirma, 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, as applicable. 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 TerraFirma are separate and distinct from these custody and
execution fees.

In addition, all fees paid to TerraFirma 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 TerraFirma, but
...

Item 7 – Types of Clients

TerraFirma offers investment advisory services to individuals and high net worth individuals. TerraFirma generally
does not impose a minimum relationship size.