Vigil Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each quarter, pursuant to the terms of the wealth
management agreement. Wealth management fees are based on the market value of assets under management at
the end of the prior quarter. Wealth management fees are based on the scope and complexity of the Client
relationship but do not exceed 2.50%. The Advisor discloses that the Client may be able to obtain similar services
from other service providers for a lower fee.

Fees may vary from the above fee schedule depending on the nature and complexity of each Client’s circumstances
or with the inclusion of other services pursuant to the terms of the wealth management agreement. An estimate for
the total costs will be provided prior to establishing the advisory relationship.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
                                              Vigil Wealth Management, LLC
                                   822 A1A North, Suite 102., Ponte Vedra Beach, FL 32082
Page 7                                   Phone: (904) 709-4810 | Fax: (904) 212-1198
                                           www.vigilwealthmanagement.com

consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by Vigil Wealth will be independently valued by the Custodian. Vigil Wealth will conduct periodic reviews of the
Custodians’ valuations to ensure accurate billing.

Clients may make additions to and withdrawals from their account[s] at any time. However, reconciliations are
performed every quarter to capture if, on any given day, assets are deposited into or withdrawn from an account
after the start of the quarterly billing period. An adjustment will be made in the form of a credit or debit the
following quarter to reflect the interim change in portfolio value from the date of the deposit/withdrawal until the
end of the quarter.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule that will reduce the fee with
an increased level of assets placed under management with an Independent Manager. The terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the
Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will
not exceed 2.65% annually.

Third-Party Access Platforms
For assets managed through a third-party platform, the Client is not charged any additional platform fees. The
Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to assets
accessed and managed through the platform as part of the Client’s assets under management, as disclosed
above.

Financial Planning Services
Vigil Wealth offers standalone financial planning services either on an hourly basis or for a fixed fee. Hourly fees are
charged at $200 per hour. Fixed fees are charged at $5,000. Fees may be negotiable based on the nature and
complexity of the services provided and the overall relationship with the Advisor. An estimate for total hours and/or
total costs will be provided to the Client prior to engaging in these services.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00% and are billed
quarterly, either in advance of or at the end of each calendar quarter, pursuant to the terms of the retirement plan
advisory agreement. Retirement plan fees are based on the market value of assets under management at the end
of the quarter. Fees may be negotiable depending on the size and complexity of the Plan.

Financial Institution Consulting Services
Vigil Wealth receives a consulting fee paid at the end of each quarter based on the assets under Mutual Securities’
management from Brokerage Clients who have provided written consent to Mutual Securities to receive the
consulting service from Vigil Wealth. The consulting fee is calculated from the assets under Mutual Securities’
management as of the end of a calendar quarter period multiplied by the annualized rate of 0.46%. The initial fee
is paid only after the completion of one full calendar quarter period following the date of the executed agreement
with Mutual Securities.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian
in advance of each quarter. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to
be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by
applying the following formula: [(Quarter End Value x Advisory Fee) / 360 x 90 Days] to the total assets under
management with Vigil Wealth at the end of the prior quarter. Clients will be provided with a statement, at least
quarterly, from the Custodian reflecting the deduction of the wealth management fee. Clients provide written
...

Item 7 – Types of Clients in the Disclosure Brochure for additional information.

Item 6 – Portfolio Manager Selection and Evaluation
Portfolio Manager Selection
Vigil Wealth serves as sponsor and portfolio manager for the services under this Wrap Fee Program.

Related Persons
Vigil Wealth personnel serve as portfolio managers for this Wrap Fee Program. Vigil Wealth does not serve as a
portfolio manager for any third-party wrap fee programs.

                                              Vigil Wealth Management, LLC
                                   822 A1A North, Suite 102., Ponte Vedra Beach, FL 32082
Page 22                                  Phone: (904) 709-4810 | Fax: (904) 212-1198
                                           www.vigilwealthmanagement.com

Performance-Based Fees
Vigil Wealth does not charge performance-based fees for its investment advisory services. The fees charged by
Vigil Wealth are as described in Item 5 – Fees and Compensation of the Disclosure Brochure and are not based
upon the capital appreciation of the funds or securities held by any Client. Vigil Wealth does not manage any
proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no
financial incentive to recommend any particular investment options to its Clients.

Supervised Persons
Vigil Wealth Advisory Persons serve as portfolio managers for all accounts, including the services described in
this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4.A. of the
Disclosure Brochure.