Vantage Financial Partners LLC

Item 5. Fees and Compensation

VFP offers services on a fee basis, which includes fixed fees, as well as fees based upon assets under
management.

Financial Planning and Consulting Fees

VFP charges a fixed fee for providing financial planning and consulting services under a stand-alone
engagement. These fees are negotiable, but range from $750 to $10,000, depending upon the scope and
complexity of the services and the professional rendering the financial planning and/or the consulting services.
The fee can be for a defined project, such as the delivery of a plan, or for ongoing services. If the client engages
the Firm for additional investment advisory services, VFP can offset all or a portion of its fees for those
services based upon the amount paid for the financial planning and/or consulting services.

The terms and conditions of the financial planning and/or consulting engagement are set forth in the
Advisory Agreement. For project-based services VFP requires either one-half of the fee (estimated hourly
or fixed) payable upon execution of the Advisory Agreement or a fee payable on a monthly basis. The
outstanding balance is due upon delivery of the financial plan or completion of the agreed upon services.
Ongoing services are charged as described in the investment management section, below. The Firm does

not, however, take receipt of $1,200 or more in prepaid fees, six or more months in advance of services
rendered.

Investment Management Fees
VFP offers investment management services for an annual fee based on the amount of assets under the
Firm’s management. This management fee varies between 40 and 150 basis points (0.40% – 1.50%),
depending upon the size and composition of a client’s portfolio, the type and amount of services rendered
and the individual(s) providing the services. Although VFP believes that its fees are competitive, clients
should understand that lower fees for comparable services may be available from other sources and firms.
The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
being managed by VFP on the last day of the previous quarter as determined by a party independent from
the Firm (including the client’s custodian or another third-party). The Firm includes cash in a clients account
in determining the valuation for billing purposes. The Firm may, in its sole discretion, not include cash in
determining the fee, especially where a client has a high percentage of cash for reasons other than the Firm's
investment management decision. If assets are deposited into or withdrawn from an account after the
inception of a billing period, the fee payable with respect to such assets is adjusted to reflect the interim
change in portfolio value.

For the initial period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory
agreement is terminated, the fee for the final billing period is prorated through the effective date of the
termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as
appropriate.

Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
held-away assets, accommodation accounts, alternative investments, etc.), VFP can negotiate a fee rate that
differs from the range set forth above. Clients are advised that a conflict of interest exists for the Firm to
recommend that clients engage VFP for additional services for compensation, including rolling over
retirement accounts or moving other assets to the Firm’s management. Clients retain absolute discretion
over all decisions regarding engaging the Firm and are under no obligation to act upon any of the
recommendations.

Retirement Plan Consulting Fees
VFP charges as fixed project-based fee to provide clients with retirement plan consulting services. Each
engagement is individually negotiated and tailored to accommodate the needs of the individual plan
sponsor, as memorialized in the Agreement. These fees vary, based on the scope of the services to be
rendered, and ranges from $1,500 to $10,000 per annum depending upon services provided and the amount
of assets to be advised on.

Fee Discretion
VFP may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be

managed, related accounts, account composition, pre-existing/legacy client relationship, account retention,
pro bono activities, or competitive purposes.

Fees for Held Away Assets
Investment management fees are generally directly debited quarterly in advance, based upon the market
value of the AUM on the last business day of the previous quarter. The exception for this is directly-
managed held-away accounts, such as 401(k)’s. As it is impossible to directly debit the fees from these
accounts, those fees will be assigned to the client’s other managed accounts. The payment, method, and
amount are set forth in a mutually agreed upon agreement executed by VFP and the client.

Additional Fees and Expenses
In addition to the advisory fees paid to VFP, clients also incur certain charges imposed by other third parties,
such as broker-dealers, custodians, trust companies, banks and other financial institutions (collectively
“Financial Institutions”). These additional charges include securities brokerage commissions, transaction fees,
custodial fees, margin and other borrowing costs, charges imposed directly by a mutual fund or ETF in a
client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses),
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
fees and taxes on brokerage accounts and securities transactions. The Firm’s brokerage practices are described
at length in Item 12, below.
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Item 7. Types of Clients

VFP offers services to individuals, charitable organizations, corporations and other business entities, and
retirement plans.