The LUTS & Greenleigh Group Inc

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 advance of each calendar quarter, pursuant to the terms of the
agreement. Wealth management fees are based on the market value of assets under management at the end of
the prior calendar quarter plus or minus the true up of any contributions or withdraws for prior quarter to the prior
quarter estimated advance fee. Wealth management fees range from 0.85% to 1.50% annually based on several
factors, including: the complexity of the services to be provided, the level of assets to be managed, the use of
independent managers, and the overall relationship with the Advisor. Relationships with multiple objectives, specific
reporting requirements, portfolio restrictions and other complexities may be charged a higher fee.

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 LGG Financial will be independently valued by the Custodian. LGG Financial will conduct periodic
reviews of the Custodian’s valuations to ensure accurate billing.

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. The Advisor will only earn its wealth management fee as described above. The
Client will pay a separate fee to the applicable Independent Manager. For clients who enter into contracts directly
with independent managers, the terms of such fee arrangements are included in the Independent Manager’s
disclosure brochure and applicable contract[s] with the Independent Manager. Independent Managers typically
do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased
level of assets placed under management with an Independent Manager. The total blended fee, including the
Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually.

Adhesion Wealth—The Client will enter into a separate agreement with Adhesion Wealth regarding the assets
allocated to independent managers on their platform. The Client will pay a separate fee for their services based
on Adhesion Wealth’s disclosure brochure and applicable contract[s] with Adhesion Wealth. Services offered
through Adhesion Wealth are detailed in Item 4.B.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.50% and are billed
in advance, pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees are
based on the market value of assets under management at the end of the prior calendar quarter. Fees may be
negotiable depending on the size and complexity of the Plan.

                                            The Luts & Greenleigh Group, Inc.
                                   7200 Wisconsin Avenue, Suite 300, Bethesda, MD 20814
                                        Phone: (301) 312-6660 * Fax: (301) 560-8560
                                                 http://www.lggfinancial.com

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate 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 beginning of the respective quarter. The amount due is calculated by
applying the quarterly rate (annual rate divided by 4) to the total assets under management with LGG Financial at
the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian
reflecting deduction of the wealth 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 LGG Financial to
be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and
separate account forms provided by the Custodian.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees may include LGG
Financials’ wealth management fee (as noted above) plus investment management fees and/or platform fees
charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the
Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s
account[s]. Trading by independent managers on the Adhesion Wealth platform is executed through Charles
Schwab with no transaction costs as they are included in LGG’s wrap fee.

Retirement Plan Advisory Services
Retirement plan advisory 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 in connection with investments made on behalf
of the Client’s account[s]. The Advisor's recommended Custodian does not charge securities transaction fees for
...

Item 7 – Types of Clients in the Disclosure Brochure for additional information.

Item 6 – Portfolio Manager Selection and Evaluation
Portfolio Manager Selection
LGG Financial serves as sponsor and as portfolio manager for the services under this Wrap Fee Program.

Related Persons
LGG Financial Advisory Persons serve as portfolio managers for this Wrap Fee Program. LGG Financial does
not serve as a portfolio manager for any third-party Wrap Fee Programs.

Performance-Based Fees
LGG Financial does not charge performance-based fees for its investment advisory services.

Supervised Persons
LGG Financial Advisory Persons serve as portfolio managers for Client accounts, including the services
described in this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4.A.
of the Disclosure Brochure.