VCI Wealth Management LLC

Item 5: Fees and Compensation
       A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management             Annual Fees
        $0 - $250,000.00                          1.25%

        $250,000.01 - $1,250,000.00               1.00%

        $1,250,000.01 - $2,250,000.00             0.75%

        $2,250,000.01 AND UP                      0.50%

The above schedule is charged as a de-escalating fee schedule where different rates may
be applied to different tiers of a client’s assets under management. For example, if a client
has $1,000,000 in total assets under management, that client would pay an effective
annualized fee of 1.0625%: the average of (i) 1.25% for the first $250,000 of assets under
management and (ii) 1% for assets between $250,000.01 and $1,000,000.

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly basis.

Fees are paid in arrears. FEFA Financial uses an average of the daily balance in the client's
account throughout the billing period, after taking into account deposits and withdrawals,
for purposes of determining the market value of the assets upon which the advisory fee is
based.

For client accounts that are housed on the FEFA Financial’s platform and managed at the
client’s direction, the firm charges a platform fee of $30 per year, which is billed monthly.
These accounts are not included in the firm’s portfolio management and/or wrap fee
program. Accordingly, clients will incur this platform fee in addition to any other fees or
expenses associated with the account.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of FEFA Financial's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Selection of Other Advisers Fees

As noted in Item 4, FEFA Financial may implement all or a portion of a client’s investment
portfolio utilizing one or more Independent Managers. The total fees charged to a client
will not exceed any limit imposed by any regulatory agency. FEFA Financial will always
act in the best interests of the client, including when determining which Independent
Manager to recommend to clients.

Retirement Plan Advisory Services Fees

The annual fee for retirement plan advisory services is up to 0.50% of the plan assets for
which FEFA Financial is providing such services. These fees are negotiable.

       B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly basis. Fees are paid in arrears.

Payment of Selection of Other Advisers Fees

For client accounts implemented through an Independent Manager, the client’s overall
fees will include FEFA Financial’s portfolio management fee (as noted above) which
includes      management fees charged by the Independent Manager[s]. These fees are
withdrawn directly from the client's accounts with client's written authorization on a
monthly basis. Fees are paid in arrears.

Payment of Retirement Plan Advisory Services Fees

Fees are paid quarterly, in arrears based on the quarter-end balance. The fees in the first
billing period shall be prorated from the inception date to the end of the first billing
period.

Retirement plan advisory fees are withdrawn directly from the client’s accounts with
client’s written authorization. Fee deductions are performed by the contracted custodian
or recordkeeping service. We contract our recordkeeping services to Guideline RK, LLC,
with Benefit Trust Company as the qualified custodian.

       C. Client Responsibility for Third Party Fees

Clients utilizing FEFA Financial’s wrap fee portfolio management should see the separate
Wrap Fee Program Brochure for additional details regarding third party fees. Client
accounts not participating in the wrap fee program are responsible for the payment of all
third-party fees (i.e., custodian fees, commissions, brokerage fees, mutual fund fees,
transaction fees, etc.). Those fees are separate and distinct from the fees and expenses
charged by FEFA Financial. Please see Item 12 of this brochure regarding
broker/custodian.

       D. Prepayment of Fees

FEFA Financial collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation for the Sale of Securities to Clients

Some representatives of FEFA Financial are licensed insurance agents with FEFA
Financial’s affiliated insurance agency, FEFA Advisors. In this role, they accept
compensation for the sale of insurance products. This presents a conflict of interest and
gives the supervised person an incentive to recommend products based on the
compensation received rather than on the client’s needs. Insurance commissions earned
by supervised persons are separate and in addition to advisory fees. Clients always have
the option to purchase      recommended products through other brokers or agents that
are not affiliated with FEFA Financial. Commissions are not FEFA Financial’s primary
source of compensation for advisory services. Advisory fees that are charged to clients are
not reduced to offset the commissions or markups on insurance products recommended
to clients.

Item 7: Types of Clients
FEFA Financial generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and profit sharing plans
       ❖      Corporations or Business Entities

There is no account minimum for any of FEFA Financial’s       services.