Verus Wealth Management LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory Contract, the
Advisory Contract may be terminated by the Client within five (5) business days of signing the Advisory Contract
without penalty.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our fees,
however, you should review your executed Advisory Contract for more detailed information regarding the exact
fees you will be paying. No increase to the agreed-upon advisory fees outlined in the Advisory Contract shall occur
without prior Client consent. Please note, lower fees for comparable services may be available from other sources.

Wealth Management Services

The fee is based on a percentage of assets under management and is negotiable. The annualized fees for wealth
management services are based on the following fee schedule:

                       Assets Under Management                      Annual Advisory Fee
                             $0 - $2,000,000                                0.95%
                         $2,000,001 - $5,000,000                            0.75%
                        $5,000,001 - $10,000,000                            0.45%
                         $10,000,001 and Above                              0.30%

The annual advisory fee is paid quarterly in advance based on the value of your account(s) as of the last day of the
previous quarter. The advisory fee is a blended tier. For example, for assets under management of $2,500,000, a
Client would pay 0.91%. The quarterly fee is determined by the following calculation: (($2,000,000 x 0.95%) +
($500,000 x 0.75%)) ÷ 4 = $5,687.50. Regardless of the fee calculation described above, the minimum quarterly
advisory fee shall be $1,500 (i.e., $6,000 annual fee  4).

In determining the advisory fee, we may allow accounts of members of the same household to be aggregated. VWM
relies on the valuation as provided by Client’s custodian in determining assets under management. Our advisory fee
is prorated for any partial billing periods occurring during the engagement, including the initial and terminating
billing periods. Clients may make additions or withdrawals from their account at any time; however, VWM reserves
the right to adjust our advisory fees on a pro-rata basis on account of any such cash-flow transactions.

If VWM utilizes an Outside Manager, the above fee schedule does not include the Outside Manager’s fee. The
Outside Manager’s advisory fees, billing schedule, and payment procedures are set forth in their separate written

disclosure documents, advisory agreements, and/or the account opening documents of your account Custodian. At
no point will the combined annual advisory fee charged to the Client exceed 2% of assets under management.

Ongoing Financial Planning

We charge a recurring fixed fee for Ongoing Financial Planning. Fees are paid quarterly in advance, ranging from
$1,000 to $2,500. The fee range is dependent upon variables including the specific needs of the Client, complexity,
estimated time, research, and resources required to provide services to you, among other factors we deem relevant.
Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract.

VWM collects an initial fee, no greater than $1,500. The initial fee covers the initial construction of the
comprehensive financial plan. This work will commence immediately after the fee is paid, and the length of time
required to complete and deliver the plan is dependent on several factors including the needs of the Client, the
Client’s ability to provide any necessary information and documentation, as well as the complexity of their financial
situation. Advisor may reduce or waive the initial fee at the Advisor’s discretion. At no time do we require
prepayment of $500 or more six months or more in advance of rendering the services.

Project-Based Financial Planning

We charge a fixed fee for Project-Based Financial Planning. Fixed fee rates range between $4,000 to $10,000. The
fee range is dependent upon variables including the specific needs of the Client, complexity, estimated time,
research, and resources required to provide services to you, among other factors we deem relevant. Fees are
negotiable and the final agreed upon fee will be outlined in your Advisory Contract. Fees are due upon completion
of the services. VWM will not bill an amount above $500 more than 6 months or more in advance of rendering the
services.

Fee Payment

For Wealth Management services, advisory fees are deducted from one or more account(s) held at an unaffiliated
third-party custodian, as directed by the Client. Please refer to Item 15 of this Brochure regarding our policy on
direct fee deduction. Clients may also pay by check.

For Financial Planning services, fees are paid by check.

Other Types of Fees and Expenses

Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may
be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third parties
such as custodial fees, 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. Mutual fund and exchange-traded
funds also charge internal management fees, which are disclosed in a fund's prospectus. Such charges, fees, and
commissions are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions,
fees, and costs.

Item 12 further describes the factors that we consider in selecting or recommending custodians for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).

Clients may incur fees from third-party professionals such as accountants and attorneys that VWM may recommend,
...

Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth individuals,
trusts and estates, donor-advised funds and small businesses.

We do not have a minimum account size requirement, but we do have a minimum quarterly fee. Please refer to Item
5 of this Brochure for more information on the minimum quarterly fee.