Vandalia Wealth Management Incorporated

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
Wealth Management Services
Wealth management fees are paid in advance of each calendar quarter pursuant to the terms of the wealth
management agreement. Wealth management fees are based on the market value of assets under management at
the end of the prior calendar quarter. Wealth management fees are based on the following linear tiered schedule:

                               Assets Under Management ($)               Annual Rate (%)
                                     Up to $2,000,000                        1.00%
                                 $2,000,001 to $3,000,000                    0.85%
                                 $3,000,001 to $4,000,000                    0.75%
                                     Above $4,000,000                        0.65%

Wealth management fees may also be charged as a fixed engagement fee, subject to acceptance by the Advisor
and Client. Fixed engagement fees are paid in advance of each calendar quarter, and range from $5,000 to $20,000
annually based on several factors, including: the scope and complexity of the services to be provided; the level of
assets to be managed; 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
Vandalia Wealth 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 Sub-Advisors – As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio
utilizing one or more Sub-Advisors. To eliminate any conflict of interest, the Advisor does not earn any compensation
from the Sub-Advisors. The Advisor will only earn its wealth management fee as described above. In circumstances
where Clients authorize and enter into an investment management agreement with the Sub-Advisor[s], the terms of
such fee arrangements are included in the Sub-Advisor’s disclosure brochure and applicable contract[s] with the Sub-
Advisor. In circumstances where Clients are not required to enter into an investment management agreement with
the Sub-Advisor, the Advisor will allocate a portion of the advisory fee collected to the Sub-Advisor pursuant to the
terms of the executed agreement between the Advisor and the Sub-Advisor. The total blended fee, including the
Advisor’s fee and the Sub-Advisor’s fee, will not exceed 1.10% annually.

Financial Planning Services
Vandalia Wealth offers financial planning services as part of its wealth management services. The Advisor also offers
stand-alone financial planning services either on an hourly basis or a fixed engagement fee. Hourly fees range up to
$500 per hour. Fixed fees range from $5,000 to $50,000. Fees may be negotiable based on the nature and complexity
of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and/or total
costs will be provided to the Client prior to engaging for these services.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged an annual asset-based fee of up to 1.00%. Fees may be billed monthly
or quarterly (“Billing Period”) in advance or arrears pursuant to the terms of the retirement plan advisory agreement.

                              Vandalia Wealth Management Incorporated d/b/a Vandalia Wealth
                                   500 Corporate Landing, Suite 201, Charleston, WV 25311
                                  Phone: 304-915-0260 | Website: https://vandaliawealth.com/

Retirement plan fees are based on the market value of assets under management at the end of the Billing Period.
Fees may be negotiable depending on the size and complexity of the Plan but shall not exceed the fee range stated
above.

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 Vandalia Wealth at the end of the
prior quarter. For fixed engagements, the amount due is calculated by taking the annual fee divided by 4. 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 wealth management fees to be deducted by Vandalia Wealth to be paid directly from their account[s] held
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Item 7 – Types of Clients

Vandalia Wealth offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans. Vandalia Wealth generally does not impose a minimum relationship size.