Vestgen Advisors LLC

Item 5 – Fees and Compensation
Fee Schedules
VGA Investment Management Fees
VGA charges Investment Management fees as a percentage of assets under management. Investment
Management fees are typically billed quarterly, in advance, based on the value of your accounts as reported by
the custodian on the last business day of the quarter. In some instances by arrangement, the management fees
may be billed in arrears, based on the previous quarter’s average daily balance. The annual investment advisory
fee charged ranges up to a maximum of 2.5% of the assets held in the account. VGA, at its sole discretion, may
charge a lesser investment advisory fee based upon certain criteria (e.g., historical relationship, types of assets,
anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account
composition, etc.). Please note that VGA may group certain related Client accounts, often known as
“householding,” for the purposes of achieving the minimum account size and determining the annualized fee.

VESTGEN ADV PART 2A: FIRM BROCHURE (03/2026)                                                                      7

Third-Party Managers
As indicated above, VGA utilizes various Third-Party Managers (“TPMs”) to utilize for advisory services. The fees
charged, including that paid to the TPM, will be disclosed to the Client in the VGA investment management
agreement.
Generally the TPM will receive written authorization from the Client to deduct advisory fees from their account
held by a qualified custodian. The TPM will then remit to VGA their agreed upon fee. VGA does not have access to
deduct Client fees directly.
VestGen may also utilize investment strategies of its affiliate, VestGen Investment Management, LLC (“VGIM”),
an SEC-registered investment advisor. Your VGA Advisor determines whether to utilize the VGIM strategies, and
the amount managed under such strategy. Please refer to Item 10 for conflicts related to the utilization of VGIM
strategies.
FINANCIAL PLANNING
VGA typically charges an hourly fee or flat rate for financial planning and consulting. Prior to the planning process,
the Client will be provided an estimated plan fee which will be based on the complexity of the engagement. VGA
reserves the right to waive the fee should the Client implement the plan through VGA. Please refer to your
Financial Planning Agreement for specifics.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets. Fees may be charged quarterly or monthly
in arrears or in advance based on the assets as calculated by the custodian or record keeper of the Included Assets
(without adjustments for anticipated withdrawals by Plan participants or other anticipated or scheduled
transfers or distribution of assets) on the last business day of the previous quarter.
The fee schedule, which includes compensation of VGA for the services is described in detail in the ERISA Plan
Agreement. The Plan is obligated to pay the fees; however, the Plan Sponsor may elect to pay the fees. Clients
may elect to be billed directly or have fees deducted from Plan Assets. VGA does not reasonably expect to receive
any additional compensation, directly or indirectly, for its services. If additional compensation is received, VGA
will disclose this compensation, the services rendered, and the payer of compensation.
Payment of Fees
The primary method of payment is VGA providing the applicable custodian with the calculated investment
management fee to be deducted from the client’s account. Investment Management fees may be directed to be
deducted from a designated client account to facilitate billing for related accounts. The client must consent in
advance to direct debiting of their investment account. Clients may also choose to pay by check.
For TPM services, the method of payment will be disclosed in the TPM’s Form ADV Part 2.
Financial Planning and Consulting Fees are generally invoiced directly to the Client but may also be deducted
from another account held with VGA.
ERISA Fees are deducted directly from the Client’s Account.
For all services, Clients may terminate their engagement with VGA within five (5) business days of signing an
Agreement with no obligation and without penalty. After the initial (5) business days, the Agreement may be
terminated by VGA with thirty (30) days written notice to Client and by the Client at any time with written notice
to VGA. For accounts opened or closed mid-billing period, fees will be prorated based on the day’s services are
provided during the given period. All unpaid earned fees will be due to VGA, and all unearned fees will be
refunded to the Client. Any increase in fees will be acknowledged in writing by both parties before any increase

VESTGEN ADV PART 2A: FIRM BROCHURE (03/2026)                                                                        8

in said fees occurs.
Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs on the purchases or
sales of mutual funds, equities, bonds, options, margin interest, and exchange-traded funds. Mutual funds,
money market funds, and exchange-traded funds may also charge internal management fees, which are
disclosed in the fund’s prospectus. VGA does not directly receive any compensation from these fees. All of these
fees are in addition to the management fee you pay to VGA. For more details on the brokerage practices, see Item
12 of this brochure.
External Compensation for the Sale of Securities
Certain Advisors of VGA are also associated with PCS Financial (“PCS”) or World Equity Group, Inc. (“WEG”) as
broker-dealer registered representatives (“dually registered persons”). In their capacity as registered
representatives of PCS or WEG, certain dually registered persons may earn commissions for the sale of securities
or investment products that they recommend for brokerage clients. They do not earn commissions on the sale
...

Item 7 – Types of Clients
VGA’s Clients are generally individuals, small businesses, trusts, estates, high net-worth individuals, pooled
investment vehicles, and charities. Client relationships vary in scope and length of service.
There is no prescribed minimum account size, and Clients are not required to have a certain amount of investment
experience or sophistication. Your advisor may have minimum account sizes, and certain VGA investment
management services may not be appropriate for some account sizes. Additionally, TPM programs generally
have account minimum requirements, and these minimum requirements vary from manager to manager. TPM
account minimums are disclosed to the Client in the TPM’s Form ADV Part 2 and agreement.