Vestment Financial LLC

Item 5: Fees and Compensation

We base our fees on hourly charges, fixed fees, or a percentage of assets under management,
which are described below.

Compensation – Financial Planning and Consulting
Financial Planning and Consulting fees will be charged in one of three ways:

   •   As a fixed fee, typically ranging up to $25,000 depending on the nature and complexity
       of each client’s circumstances, or
   •   On an hourly basis of $50 - $650 per hour dependent upon the skill level of the team
       member involved (i.e., attorney - $650/hr., senior advisor - $300/hr., staff - $100-
       150/hr.).
   •   A monthly subscription or concierge financial planning fee, which typically ranges
       from $190 to $600 per month depending on the complexity of the client’s
       situation. Fees can be higher or lower.

Depending on the manner of billing outlined in the client Agreement, clients will either be
charged monthly, in arrears, or at the presentation of the financial plan. Credit card payments
may be assessed an additional 3% fee per charge made on the credit card.

Compensation – Investment Advisory Services
Investment Advisory fees are charged a fee as follows:

                                                           Annual Fee
                   Assets Under Management
                                                      (on all account assets)
                   For accounts up to $250,000                 1.25%
                      $250,000 to $2,000,000                   1.00%
                     $2,000,000 to $5,000,000                  0.85%
                     $5,000,000 to $7,500,000                  0.75%
                    $7,500,000 to $10,000,000                  0.70%

Investment Advisory fees in the first period of service are prorated to the inception date of the
account to the end of the first period.

For accounts held at our custodians, fees are generally charged quarterly in arrears based on
the market value of assets under management at the end of each calendar quarter billing
period. For accounts held outside of our custodians, fees are generally charged monthly or
quarterly in arrears based on the market value of assets under management at the beginning of
each period.

Compensation - Retirement Plan Services
Fees charged for retirement plan services are generally charged in arrears. Fees may be fixed or

asset based (not to exceed 1.50% annually), and are negotiable depending on the complexity of
the service provided, size of plan, etc. Asset based fee levels are primarily based on actual
services to be provided and complexity of the engagement. Fixed fees are estimated based on
the total hours expected for the engagement, staff needed, etc. (i.e., estimated hours times
hourly rates).

Fees may be deducted directly from the plan or may be paid on behalf of the plan by a plan
provider. When fees are deducted, clients will be provided with a statement, at least quarterly,
from the custodian reflecting deduction of the Investment Advisory Fee from the plan. In some
cases, clients may elect to alternatively pay fees by check or wire transfer initiated by the client
or applicable plan provider. In these instances, client or the applicable plan provider would
have control over initiating payments via the applicable payment platform, and the Firm would
have no such control or access. Payment frequency is generally quarterly but is subject to
negotiation.

Calculation and Payment
The specific way we charge fees is established in a client’s written agreement with us. Clients
may elect to be invoiced directly for fees or to authorize us to directly debit fees from client
accounts.

Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and
any earned, unpaid fees will be due and payable.

In no case will more than $1,200 be collected from the client more than 6 months in advance.

Other Fees
There are no additional types of fees or expenses that our clients pay in connection with the
delivery of advisory services.

Agreement Terms
Either party may terminate an agreement at any time by notifying the other in writing. If the
client made an advance payment, we would refund any unearned portion of the advance
payment.

If the client made a payment in arrears, we would collect any earned yet unpaid fees.

Cash Balances
Some of your assets may be held as cash and remain uninvested. Holding a portion of your
assets in cash and cash alternatives, i.e., money market fund shares, may be based on your
desire to have an allocation to cash as an asset class, to support a phased market entrance
strategy, to facilitate transaction execution, to have available funds for withdrawal needs or to
pay fees or to provide for asset protection during periods of volatile market conditions. Your
cash and cash equivalents will be subject to our investment advisory fees unless otherwise
agreed upon. You may experience negative performance on the cash portion of your portfolio if

the investment advisory fees charged are higher than the returns you receive from your cash.

Retirement Plan Rollover Recommendations
As part of our investment advisory services to our clients, we may recommend that clients roll
assets from their employer’s retirement plan, such as a 401(k), 457, or ERISA 403(b) account
(collectively, a “Plan Account”), to an individual retirement account, such as a SIMPLE IRA, SEP
IRA, Traditional IRA, or Roth IRA (collectively, an “IRA Account”) that we will advise on the
client’s behalf. We may also recommend rollovers from IRA Accounts to Plan Accounts, from
Plan Accounts to Plan Accounts, and from IRA Accounts to IRA Accounts.

If the client elects to roll the assets to an IRA that is subject to our advisement, we will charge
the client an asset-based fee as set forth in the advisory agreement the client executed with our
firm. This creates a conflict of interest because it creates a financial incentive for our firm to
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Types of Clients
We provide services to individuals, high net worth individuals, trusts, estates, retirement plans,
foundations, endowments, charitable organizations, and businesses.

Account Minimums
We have no minimum account size.