Vantage Point Financial LLC

ITEM 5 – FEES AND COMPENSATION

A. FEES FOR ADVISORY SERVICES
  The following paragraphs detail the fee structure and compensation methodology for services provided by the
  Advisor. Each Client engaging with the Advisor for services described herein shall be required to enter into a
  written agreement with the Advisor.

  INVESTMENT MANAGEMENT
  Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
  agreement. Investment advisory fees are based on the market value of assets under management at the end
  of the prior calendar quarter. Investment advisory fees range from 0.50% to 1.50% annually based on several
  factors, including the 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 with a higher fee. For Clients that utilize an
  Independent Manager for all or a portion of a client’s investment portfolio, the Client may be charged a lower
  fee by the Advisor. However, a separate asset-based fee may be charged by the Independent Manager (Please
  see below).

  The investment advisory 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 are negotiable at the sole discretion of the Advisor. The Client’s fees will
  take into consideration the aggregate assets under management with the Advisor. The Custodian will
  independently value all securities held in accounts managed by VPF. Should the Client have multiple accounts
  at the Custodian, the Advisor will bill each respective Account for its respective share of fees. VPF will conduct
  periodic reviews of the Custodian’s valuations.

  The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs
  and expenses described in Item 5.C below, which the Client may incur. However, the Advisor shall not receive
  any portion of these commissions, fees, and costs.

  Client’s fees may be amended upon thirty (30) days prior written notice to the Client except as prohibited by
  applicable law. From and after the effective date of the modified fee as provided in the notice, the Client shall
  pay the modified fee as provided in the written notice.

  INDEPENDENT THIRD-PARTY MANAGERS
  A complete description of the ITPM’s services, fee schedules, and account minimums will be disclosed in the
  Manager's disclosure brochure, which will be provided to you before or when an agreement for services is
  executed, and the account is established. Each third-party investment adviser is required under federal
  securities laws to provide their clients, including ITPM Clients, with a Form ADV Part 2A (“Adviser Brochure” or
  “this Brochure”) that includes disclosures, and, among other things, the fees charged to their clients.

  As noted in Item 4, the Advisor will implement all or a portion of a client’s investment portfolio utilizing one or
  more Independent Managers. Independent Managers typically do not offer any fee discounts but may have a
  breakpoint schedule that will reduce the fee with an increased level of assets placed under management by an
  Independent Manager. The actual fee charged to the Client will vary depending on the ITPM. All fees are

                                                                                                 Vantage Point Financial LLC
                                                                                                      ADV Part 2A Brochure

calculated and collected by the Manager, who will be responsible for delivering our Firm’s portion of the fee
paid by the Client. With ITPMs, you may incur additional charges, including but not limited to mutual fund sales
loads, 12b-1 fees and surrender charges, and IRA and qualified retirement plan fees. The terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with
the Independent Manager. The blended investment management fee, including the Advisor’s and Independent
Manager’s fees, will not exceed 2.00% annually.

FINANCIAL PLANNING
VPF offers financial planning services for a fixed fee ranging from up to $25,000. Fees are negotiable based
on the nature and complexity of the services provided and the overall relationship with the Advisor. An estimate
for total costs will be determined prior to establishing the advisory relationship.

ONGOING FINANCIAL PLANNING
For existing AUM clients, the ongoing financial planning is included in the management fee in accordance with
the terms of the agreement. For new clients, and only when appropriate based on the client’s circumstances,
the Firm offers ongoing financial planning on a flat subscription basis.

In appropriate circumstances, a client may engage the Firm for both investment management services and
separate ongoing financial planning services under a written agreement. In such cases, the client may pay both
an asset-based fee on managed assets and a separate flat or subscription planning fee for broader planning
services, including advice regarding assets not managed by the Firm.

BUSINESS OWNER PLANNING
In limited circumstances, business owner planning and valuation insights services may be offered (i) as part of
an ongoing financial planning engagement, (ii) as part of an ongoing advisory relationship, or (iii) as a separate
project for a fixed fee. The applicable fee arrangement, billing timing, and any additional costs will be agreed in
writing with the client prior to delivery of services.

Project fees are generally quoted in advance based on scope and complexity.

TAX PLANNING
IARs with VPF may provide our clients with tax, accounting, and consulting services and may refer to unaffiliated
...

ITEM 7 – TYPES OF CLIENTS
VPF offers investment advisory services to individuals, high-net-worth individuals, business owners, and
entrepreneurs. The amount of each type of Client is available on VPF’s Form ADV Part 1A. These amounts may
change over time and are updated at least annually by the Advisor. VPF does not impose a minimum relationship
size.