VIP Wealth Advisors 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 or incurring any fees.

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. Fees are negotiable and some fees may vary by Client for similar services.
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.

Investment Management Services

For Investment Management Services and Tax Preparation, the flat fee described below is for Individuals
and Couples, Business Owners & Entrepreneurs.

                         Individuals/Couples                   Monthly Advisory Fee
                              Individual                           Starting at $774
                               Couple                              Starting at $857

                 Business Owners & Entrepreneurs               Monthly Advisory Fee
                              Individual                          Starting at $1,399

The advisory fee is paid monthly in advance and is negotiable. If VIP 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.

Ongoing Financial Planning

VIP charges a recurring fixed fee for Ongoing Financial Planning. Fees are paid monthly, quarterly,
semi-annually or annually in advance, ranging from $9,288 (annually) to $20,000 (annually). 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.

Project-Based or Hourly Financial Planning

VIP charges either a fixed or hourly fee for Project-Based Financial Planning. Fixed fee rates range between
$700 to $50,000. Our hourly rate is $375.

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. VIP may
request a portion of the fee be collected in advance with the remainder due upon completion of the
services. VIP will not bill an amount above $1,200 more than 6 months or more in advance of rendering the
services.

Tax Preparation

VIP charges a flat fee for Tax Preparation services. Tax Preparation services are offered as a separate,
add-on service available to clients of the firm. Fees start at $1,500; however, they are determined by the
complexity of the return, the quality of recordkeeping, and the scope of services required. Fees may vary
depending on the Client’s specific circumstances and will be agreed upon at the start of the engagement.
Any third-party costs, if incurred, are covered by the fee paid to VIP and are not billed separately to the
client.

The fees may be negotiable in certain cases, will be agreed upon at the start of the engagement, and are
due at the completion of the engagement. Clients are not required to utilize any third party professionals
that we may recommend and they can receive similar services from other professionals at a similar or lower
cost.

Fee Payment

For Investment Management services, we deduct our advisory fee 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 electronic funds transfer (EFT) or check.
We use an independent third party payment processor in which the Client can securely input their payment
information to pay their fee. We do not have access to the Client’s banking or credit information at any time.
The Client will be provided with their own secure portal in order to make payments. When an Outside
Manager is used, the Outside Manager will debit the Client’s account for the Outside Manager’s fee.

For Financial Planning and Tax Preparation services fees are paid by electronic funds transfer (EFT) or check.
We use an independent third party payment processor in which the Client can securely input their banking
information and pay their fee. We do not have access to the Client’s banking information at any time. The
Client will be provided with their own secure portal in order to make payments.

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
...

Item 7: Types of Clients
We provide financial planning, investment management and tax services to individuals, high net-worth
individuals, corporations or other businesses.

We do not have a minimum account size requirement to open or maintain an account.