Vestia Advisors LLC

Item 5 - Fees and Compensation
Generally, our Firm charges clients separately for investment management and financial planning
services. Many firms do not separate these services, but we believe that leads to lower-complexity and
lower-maintenance clients subsidizing the costs of services disproportionately to higher-complexity or
higher-maintenance clients.
FORMS OF PAYMENT ACCEPTED
Forms of payment are based on the types of services being provided, terms of service, etc., and will be
stated in the client’s engagement agreement(s) with our firm. Published fees may be negotiable, and we
may waive or discount our fees for our associates and their family members. Our firm reserves the right
to deviate from its fee schedule should we deem the circumstances appropriate.
        Services where checks and credit cards are accepted
        Fees for the Vestia Vue Process, Vestia On Call hourly services, and corporate Complete and
        Collaborate services are to be paid by check, credit card, or draft from a US-based financial
        institution. With your prior authorization, payment may be made through an unaffiliated PCI-

          compliant2 third-party processor, automated clearing house (ACH), or withdrawal from an
          investment account held at your custodian(s) of record.
          Services where checks are not accepted
          With your prior authorization, Vestia Complete (with the exception of corporate Complete
          clients), Vestia Collaborate (with the exception of corporate Collaborate clients), Vestia
          Disciplined Wealth Management, Vestia Emerging Wealth Management, Vestia Private Capital,
          and Vestia On Call platform access fees are to be paid either via ACH or your account held at the
          custodian(s) of record and are noted in statements received by you from the custodian.
          We do not accept cash for services
          Our firm does not accept cash, money orders or similar forms of payment for its engagements.
          We reserve the right to suspend some or all services once an account is deemed past due as
          defined within the client’s engagement agreement(s).
                                     TYPES OF FEES AND PAYMENT SCHEDULES

Portfolio Management Offerings
VESTIA DISCIPLINED WEALTH MANAGEMENT PLATFORM
Accounts are assessed an annualized asset-based fee that is paid quarterly, in advance, as indicated in
Table 1 below. The fee is calculated by multiplying the quotient by the applicable number of basis points
(one basis point equals 1/100 of one percent). The result is then divided by four to determine the
quarterly fee. Although we do not have a minimum asset level, we do impose a $300 minimum fee per
quarter for wealth management clients utilizing the Vestia On Call ongoing service model (see below).
                Formula: ((quarter-end market value) x (applicable number of basis points))/4
                           Table 1: Vestia Disciplined Wealth Management Fee Schedule
         Assets Under Management*                                     Annualized Asset-Based Fee
         All Assets Under Management                                   0.50% (50 basis points)
         All Private Capital Assets                                    0.50% (50 basis points)
*Our cost is based on a flat-tier schedule. For example, an account maintaining $2.5 million would be assessed 0.50% on the
entire $2.5 million including any private capital investments. For the benefit of discounting our asset-based fee, we will
aggregate accounts within the same household on the same platform unless instructed by the client not to do so.

Advisory fees will be determined by the reporting account value as of the last market day of each
quarter, and in consonance with the statement you will receive from your custodian(s) of record for the
purpose of verifying the computation of our advisory fee. In the rare absence of a reportable market
value, our firm may either utilize the value of the original deposit or seek a third-party opinion from a
recognized industry source (e.g., an unaffiliated public accounting firm), and our clients may choose to
separately seek such an opinion at their own expense as to the valuation of “hard-to-price” securities if
necessary.

2 For an explanation of the term “PCI,” who the PCI Security Standards Council is, as well as its comprehensive standards to en hance payment
card data security, please go to https://www.pcisecuritystandards.org/security_standards/index.php

The first billing cycle will begin once the client agreement is executed, and account assets have settled
into the client’s separately identifiable account held by the custodian(s) of record or once held-away
account management access has been achieved for accounts being managed on a held-away basis. Fees
for partial quarters will be prorated based on the remaining days in the reporting period in which the
firm services the account. Fee payments will generally be assessed within the first 10 calend ar days of
each billing cycle.
The client’s written authorization is required in order for the custodian(s) of record to deduct our
advisory fee from an account. By signing our firm’s engagement agreement, as well as the custodian(s)
account opening documents, the client will be authorizing the custodian(s) to withdraw our advisory
fees from the account. The custodian(s) will remit our advisory fees directly to our firm. Fees deducted
from the account will be noted on statements that the client receives directly from the custodian(s) of
record.3
Client assets held in other Vestia investment platforms are excluded from the calculation as assets of the
Vestia Disciplined Wealth Management platform.
VESTIA EMERGING WEALTH MANAGEMENT PLATFORM
Accounts are assessed an annualized asset-based fee that is paid quarterly, in arrears. The fee is
calculated using the client's daily account balance for the prior quarter multiplied by 0.125% (i.e., 0.5 ÷
...

Item 7 - Types of Clients
Our firm is available to serve individuals and high net worth individuals, foundations and charitable
organizations, and businesses of all sizes, in addition to retirement plans (under separate brochure and

agreement). Please refer to Item 4 for information involving service requirements. We reserve the right
to decline services to any prospective client for any nondiscriminatory reason.