Virtus Wealth Management LLC

Item 5 – Fees and Compensation
Investment Management Services
Investment advisory fees are paid pursuant to the terms of the investment advisory agreement. Investment
advisory fees are based on the market value of assets under management. Investment advisory fees paid to
Virtus Wealth range from 0.50% to 1.50% annually based on several factors, including: the scope and
complexity of the services to be provided; the level of assets to be managed; and the overall relationship with
the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and
other complexities may be charged fee at the higher end of the range above. All securities held in accounts
managed by Virtus Wealth will be independently valued by the Custodian. The Advisor will conduct periodic
reviews of the Custodian’s valuation to ensure accurate billing.

Virtus Wealth’s investment advisory fees are negotiable. Fees charged by an Investment Platforms (TAMP) are
non-negotiable, and are expected to range from 0.10% to 0.95% annually, depending on the program[s] or
strategy[ies] selected as well as the level of assets under management with the TAMP or individual manager.
The Advisor does not control these fees, but will present the Client with fee disclosures for each Investment
Platform or Manager, prior to investing. The Clients total fee, including both the Advisor’s fee above and the
TAMP Annual fee, will not exceed 1.50% annually. The Client may be able to obtain similar services from
other providers for a lower fee.

The Custodian calculates the advisory fee on a monthly basis (the “Billing Period”), either in advance or in
arrears based on the contractual terms of the account opening documents with the selected Investment Platform.
Fees are based on the billing cycle ending balance or the daily average balance as indicated on the account
opening documents. The Advisor is authorized to deduct its fees from the Custodian through the agreement
between the Advisor and the Client.

   ● Clients will receive statements from the Custodian no less frequently than quarterly. The statements will
     provide details of the advisory fees charged by Virtus Wealth and the Investment Platform[s].
   ● The investment advisory fee in the first period of service is pro-rated from the inception date of the
     account[s] to the end of the first Billing Period.
   ● If the advisory agreement is terminated before the end of the Billing Period, the Client is entitled to a
     pro-rated refund of any pre-paid advisory fee based on the number of days remaining in the month after
     the termination date. The Advisor will promptly arrange for such refunds of its fee and fees from the
     Investment Platform[s], as applicable.
   ● The Advisor’s investment advisory fee is exclusive of and in addition to, brokerage fees, securities
     transaction fees, and/or other related costs and expenses. Investment Platforms may or may not include
     such fees as part of their overall fee.

 Form ADV 2A –Disclosure Brochure

   ● The Advisor will not have the authority or responsibility to value portfolio securities. The Custodian
     and/or Investment Platform shall have such authority.

Mutual Fund Share Class Disclosures
Virtus Wealth strives to select the lowest cost share class available; however, certain mutual fund share classes
charge a 12b-1 fee that potentially amounts to an additional 0.25% expense ratio or more. The purpose of 12b-
1 fees, as approved by the SEC, are to cover marketing expenses and shareholder services such as support
services and “other expenses” such as legal, accounting and the administrative functions of the custodian.
When selecting a mutual fund, Investment Advisor Representatives have a fiduciary duty to choose the share
class that helps manage the overall fee structure of the account. The entire fee structure includes such fees as
the asset management fee, the expense ratio and ticket charges.

     ● Mutual funds typically offer multiple share classes, including lower-cost share classes that do not
       charge 12b-1 fees and are therefore usually less expensive.
     ● Investment Advisor Representatives will consider investing Client funds in 12b-1 fee-paying share
       classes even when a lower-cost share class is available as appropriate to account for the overall fee
       structure and tax considerations as well as attributes of a fund not available for lesser fees.

Compensation for Sales of Securities
Virtus Wealth does not receive commission compensation for advisory services.

Certain Advisory Persons are licensed as independent insurance professionals. As an independent insurance
professional, an Advisory Person may earn commission-based compensation for selling insurance products,
including insurance products offered to Clients. Insurance commissions earned by the Advisory Person are
separate and in addition to investment advisory fees. This practice presents a conflict of interest as an Advisory
Person who is also an insurance professional will have an incentive to recommend insurance products to the
Client for the purpose of generating commissions rather than solely based on the Client’s needs. Clients are
under no obligation, contractual or otherwise, to purchase insurance products through any Advisory Person
affiliated with the Advisor. Please see Item 10 below.

Other Fees and Expenses
Clients will incur securities transaction fees for trades executed, if applicable based on the investments
purchased or sold. Investment Platforms may or may not include securities transaction fees as part of its overall
fee. These securities transaction fees are separate from the Advisor’s fees. Also, Clients will pay the following
separately incurred expenses, which we do not receive any part of: charges imposed directly by a mutual fund,
index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management
...

Item 7 – Types of Clients
The advisory services available by Virtus Wealth are primarily offered to individuals, high net worth
individuals, families, trusts, and estates, Services are also available to profit-sharing plans, including plans
subject to Employee Retirement Income Security Act of 1974 (“ERISA”) and other business entities. The
Advisor does not require a minimum relationship size. However, certain Investment Platforms or Managers may
have certain minimums.