Vantage Wealth

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Investment Management:

Our firm charges an annual fee of 1.00% of assets under management for our Investment
Management service. Fees to be assessed will be outlined in the advisory agreement to be signed by
the Client. Our firm bills on cash unless indicated otherwise in writing. Annualized fees are billed on
a pro-rata basis quarterly in advance based on the value of the account(s) on the last day of the
previous quarter. If a client’s initial payment is due near the start of the next calendar quarter, our
firm may, at its sole discretion, defer the initial payment until the next full quarterly invoice is
submitted. Fees are generally not negotiable, but exceptions may be made on a case-by-case basis.
Clients may choose to pay our firm directly or authorize fees to be directly deducted from their
account(s) by the chosen custodian. If client chooses to be directly invoiced by our firm, the fee is due
and payable within 15 days of receipt of the invoice. If clients opt to authorize advisory fees to be
deducted directly from their account(s), as part of this process, clients understand the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

ADV Part 2A – Firm Brochure                    Page 5                                       Vantage Wealth

Financial Planning:

Our firm charges on a flat fee basis for standalone financial planning services. The total estimated fee,
as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the
client. Flat fees range from $2,000 to $5,000. Our firm requires a retainer of 50% of the ultimate
financial planning fee at the time of signing. Our firm will not require a retainer exceeding $1,200
when services cannot be rendered within 6 months.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian. These transaction
fees are separate from our firm’s advisory fees and will be disclosed by the chosen custodian. Charles
Schwab & Co., Inc. (“Schwab”) does not charge transaction fees for U.S. listed equities and exchange
traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (e.g., fund management fees, distribution fees, surrender charges,
variable annuity fees, IRA and qualified retirement plan fees, mark-ups and mark-downs, spreads
paid to market makers, fees for trades executed away from custodian, wire transfer fees and other
fees and taxes on brokerage accounts and securities transactions). Our firm does not receive a
portion of these fees.

Termination & Refunds

Either party may terminate the Agreement at any time by providing written notice to the other party.
Full refunds will only be made in cases where cancellation occurs within 5 business days of signing
an agreement. After 5 business days from initial signing, either party must provide the other party
10 days’ written notice to terminate billing. Billing will terminate 10 days after receipt of termination
notice. Clients will be charged on a pro-rata basis, which takes into account work completed by our
firm on behalf of the client. If the client has paid fees in advance, upon notice of termination our firm
will process a pro-rata refund of the unearned portion of advisory fees.

Financial Planning clients may terminate their agreement at any time before the delivery of a
financial plan by providing written notice. For purposes of calculating refunds, all work performed
by us up to the point of termination shall be calculated at the hourly fee currently in effect. Clients
will receive a pro-rata refund of unearned fees based on the time and effort expended by our firm.

Commissionable Securities Sales

Our firm and representatives do not sell securities for a commission in advisory accounts.

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit-Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our requirements for opening and maintaining accounts or otherwise engaging us:
   • Our firm requires a minimum account balance of $3,000,000 for new Investment
       Management clients.
   • Standalone financial plans are generally assessed a minimum fee of $2,000.

Our firm maintains the authority to reduce or waive these requirements at our sole discretion.