VB&T Wealth Management LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Comprehensive Portfolio Management:

                             Investment Advisory Fee Schedule
 Market Value of Assets Under Management               Annual Portfolio Fee*
 First $1,000,000                                                                       1.25%
 Next $2,000,000                                                                        0.90%
 Next $2,000,000                                                                        0.60%
 Next $2,500,000                                                                        0.50%
 Next $2,500,000                                                                        0.45%
 Next $10,000,000                                                                       0.40%
 Next $10,000,000                                                                       0.35%
 Above $30,000,000                                                                      0.30%

ADV Part 2A – Firm Brochure                   Page 6                               Zenith Wealth Advisors

*Our firm generally charges according to our Investment Advisory Fee Schedule (above) for assets under management or
an annual flat fee of $10,000 per year (whichever is greater). The minimum annual flat fee will not exceed 3% of a client’s
assets under management. Our firm may waive this account minimum at our firm’s discretion.

Fees to be assessed will be outlined in the advisory agreement to be signed by the client. 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. Our firm bills on cash balances unless otherwise agreed in writing.
Fees are negotiable. Adjustments will be made for deposits and withdrawals during the quarter. Our
firm does not offer direct invoicing. Fees will be deducted from client account(s). As part of the
automatic fee deduction process, clients understand the following:

    a) Clients will provide authorization permitting our firm and/or the selected Third-Party
       Manager to be directly paid by these terms.
    b) 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.
    c) Our firm will send an invoice directly to the custodian.
    d) If our firm sends a copy of our invoice to the client, it will include a disclosure urging the client
       to compare the information provided in our firm’s statement with those from the qualified
       custodian.

The Third-Party Manager’s management fee, platform/administration fees, and/or other fees are
separate from and in addition to our firm’s advisory fee and will be outlined in the Third-Party
Manager’s Form ADV Part 2A and/or other disclosure documents. The Third-Party Managers we
recommend will not directly charge clients a higher fee than they would have charged without us
introducing the client to them. Third-Party Managers establish and maintain their own separate
billing processes over which we have no control. In general, they will directly bill clients and describe
how this works in their separate written disclosure documents.

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting 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 $2,500 to $10,000. If engaged on an hourly fee basis,
the maximum hourly fee is $350. The fee-paying arrangements will be determined on a case-by-case
basis and will be detailed in the signed consulting agreement. Our firm will not require a retainer
exceeding $1,200 when services cannot be rendered within 6 months.

Family Office Services and Personalized Chief Investment Officer Services:

Family Office service fees encompass activities, including accounting and bookkeeping, tax and
business consulting, philanthropic support, family dynamics coaching, concierge service
management, and oversight of third-party investment advisors and their activities. Fees are
determined based on the scope, complexity, time commitment, and resources required. Our firm’s
Family Office service fee for the full range of services generally ranges from $100,000 to $750,000 on
an annual fixed fee basis. Our firm reserves the right to charge on an hourly fee basis, with a maximum
hourly fee of $2,500. Comprehensive Portfolio Management services will be billed separately. Fees
are based on the specific scope and complexity of the engagement. The final fee structure will be
outlined in the Family Office Agreement, which must be signed by the client. Fees may be deducted
directly from the client's account(s).

ADV Part 2A – Firm Brochure                             Page 7                                       Zenith Wealth Advisors

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed a fee based on the percentage of Plan assets under
management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and
complexity of our engagement with the client. Fees based on a percentage of managed Plan assets
will not exceed 1.00%. The fee-paying arrangements will be determined on a case-by-case basis and
will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, either based on a
percentage of the dollar amount of assets in the account(s) or via individual transaction charges.
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 currently charge transaction fees for U.S.
...

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 firm does not have or require a minimum account balance for engaging us for services. However,
our firm generally charges Comprehensive Portfolio Management clients a minimum annual flat fee
of $10,000. The minimum annual flat fee will not exceed 3% of a client’s assets under management
and can be waived at our firm’s discretion.