Wall Capital Group Inc

Fees and Compensation

                                                                       ADV Part 2A, Item 5

Asset Management Fees

Advisory fees are charged in advance each calendar quarter based upon the value of the
client’s account (including accrued income, if any) on the last business day of the previous
calendar quarter. Fees for partial calendar quarters will be prorated for the number of days
the account was being advised upon by WCG. Fees are calculated based on the number of
days in the quarter divided by the number of days in that year.

Fees are negotiable and are not based on a share of capital gains upon or capital
appreciation of the funds or any portion of the funds. WCG may waive or reduce the
management fee for special circumstances, particularly for those accounts related to
veterans and public safety officers (including their surviving spouses).

For accounts opened after April 21, 2023, advisory fees are in accordance with the fee
schedules below (schedules for accounts existing before then may differ).

Managed Non-Institutional (Individual) Accounts Fee Schedule
     0.90% $0.01 - $500,000
     0.80% $500,001 - $1,000,000
     0.70% $1,000,001 - $2,000,000
     0.60% > $2,000,000

Institutional Consulting Fee Schedule (Pension and RetirementPlan Accounts)
       0.10% on the first $25,000,000
       0.05% on the next $25,000,000
       0.01% on assets over $50,000,000
Instead of the above schedule, we may charge a flat feefor institutional consulting services.
The minimum is normally $5,000 annually.

Managed Institutional Accounts Fee Schedule

      0.25% on all assets

WCG may conduct securities transactions on behalf of clients who are its discretionary
management clients.

Advisory fees may be paid by client upon receipt of an invoice from WCG or collected

     Wall Capital Group, Inc.                                                IARD/CRD No: 105913
     Form ADV Part 2A                                                      SEC File No.: 801- 41815
     Brochure                                                                           March 2026

directly from the account, provided the client has given WCG written authorization.
Clients will be provided with a fee invoice that identifies the advisory fee, the value of the
Account and how the fee was calculated. Clients who have advisory fees deducted directly
from their account will be provided with an account statement reflecting the deduction of
the advisory fee. If the Account does not contain sufficient funds to pay advisory fees,
WCG has limited authority to sell or redeem securities in sufficient amounts to pay
advisory fees. Clients may reimburse the account for advisory fees paid to WCG, except
for ERISA and IRA accounts.

Finally, WCG may provide limited, impersonal, non-discretionary investment advice in the
form of a recommended list of registered investment companies that WCG believes are
suitable to categories and criteria requested through an employee benefit plan sponsor or
administrator. The fee WCG receives for such advice is negotiable by the plan sponsor or
administrator.

Transaction Costs

WCG has an arrangement with Charles Schwab for custodial and execution services.
WCG and Charles Schwab are not related or affiliated companies. Securities transactions
executed through Charles Schwab may incur tickets charges. A ticket charge of up to $24
is charged by Charles Schwab for all “transaction fee” mutual funds. Charles Schwab also
offers mutual funds and ETFs that are traded with no additional costs. The mutual funds
are called One Source funds and often carry 12b-1 expenses which are paid to Charles
Schwab. WCG does not receive compensation from Charles Schwab as a result of these
securities transactions. Purchases or sales of individual stocks (and certain ETFs) incur
ticket charges of $4.95 per transaction. Commissions for clients with intelligent portfolios
may be waived entirely by Charles Schwab. Commissions and account maintenance fees
and expenses may be higher or lower at Charles Schwab than at other broker dealers. For
more information about brokerage fees and related costs, please refer to Item 12 –
Brokerage Practices, below.

Mutual funds and exchange traded funds charge asset management fees, commonly
referred to as the expense ratio. These fees are paid to the fund investment advisor of the
funds and not to WCG. Mutual funds may also charge a 12b-1 fee which is paid to the
broker dealer of record. WCG is not affiliated with a broker dealer or mutual fund
manager and does not receive any revenue from these sources. However, these
instruments are commonly utilized in a client’s investment portfolio and, as a result, these
fees are indirectly paid by the client.

We may manage accounts, particularly in certain retirement plans, utilizing an electronic
interface platform that helps coordinate information and recordkeeping among clients,

      Wall Capital Group, Inc.                                                  IARD/CRD No: 105913
      Form ADV Part 2A                                                        SEC File No.: 801- 41815
      Brochure                                                                             March 2026

plan sponsors, account custodians and investment sponsors. WCG is not affiliated with
the platform provider, but we pay fees to the provider that are indirectly paid by the client.

Financial Planning Services Fees

There are no additional fees for financial planning services to individual clients for whom
we are also providing discretionary asset management services for a fee.

For those to whom we do not provide discretionary asset management services, the cost to
prepare a financial plan for a client and review and make non-discretionary
recommendations for a client’s self-directed account is up to $2,500 annually. This fee is
negotiable, based on the complexity of the services requested or other considerations and
...

Types of Clients

                                                                       ADV Part 2A, Item 7

WCG clients are primarily individuals for whom we provide financial management,
planning and advice, including to their related retirement accounts. Although, a few public
retirement fund accounts remain under our management prior to their transition to
statutorily mandated state management in Illinois, WCG clients are generally individual
accounts including, of course, their retirement assets in IRAs, private retirement accounts
and similar accounts.

Managed (discretionary) accounts are generally opened with Charles Schwab & Company.

For individual clients, there is no minimum account size restriction. Although we request
$50,000 as the minimum account size for individual clients for whom we provide both
asset management and full-scale financial planning services, we will accept individual client
accounts with a smaller minimum account size in our discretion.

For institutional clients, there are no minimum account size restrictions other than those
that may be set by managers who are retained as a third-party manager who provide
services on the Charles Schwab Managed Account platform.

     Wall Capital Group, Inc.                                             IARD/CRD No: 105913
     Form ADV Part 2A                                                   SEC File No.: 801- 41815
     Brochure                                                                        March 2026

             Methods of Analysis, Investment Strategies and Risk of Loss

                                                                    ADV Part 2A, Item 8

WCG utilizes research provided by Morningstar, Ned Davis Research and Charles Schwab
& Company to evaluate separate account managers and mutual funds. WCG looks for
managers and funds with a discipline and track record and evidence that the funds are
consistent with their disciplines and track records.

Within the context of a client’s risk tolerance and objective, strategic asset mixes are
established. The broad asset classes are then managed in a dynamic manner. WCG is
agnostic to company size (Small vs. Large), Style (Growth vs. Value) and Country
(Domestic vs. Foreign) with respect to tactical allocations in the investment portfolio.
Based upon the current fundamental macroeconomic environment, asset class or asset
class sub-set valuations, and momentum factors, tilts are made in the investment portfolio
to overweight or underweight various segments of the capital markets.

This discipline may be implemented by using mutual funds or exchange traded funds
(ETF’s). Inverse and leveraged ETFs or mutual funds that employ shorting or leveraging
strategies are not held in an investment portfolio.

For some retirement plan clients, the plan sponsor may restrict the universe of mutual
funds and ETFs that we can use to implement our investment decision-making.

Risk of Loss

All investment programs have certain risks that are borne by the investor. Our investment
approach constantly keeps the risk of loss in mind. Investors face the following
investment risks:

   • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to
     fluctuate. For example, when interest rates rise, yields on existing bonds become
     less attractive, causing their market values to decline.

   • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to
     tangible and intangible events and conditions. This type of risk is caused by
     external factors independent of a security’s particular underlying circumstances. For
     example, political, economic and social conditions may trigger market events.

  Wall Capital Group, Inc.                                                IARD/CRD No: 105913
  Form ADV Part 2A                                                      SEC File No.: 801- 41815
  Brochure                                                                           March 2026

• Inflation Risk: When any type of inflation is present, a dollar today will not buy as
  much as a dollar next year, because purchasing power is eroding at the rate of
  inflation.

• Currency Risk: Overseas investments are subject to fluctuations in the value of the
  dollar against the currency of the investment’s originating country. This is also
  referred to as exchange rate risk.

• Reinvestment Risk: This is the risk that future proceeds from investments may have to
  be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily
  relates to fixed income securities.

• Business Risk: These risks are associated with a particular industry or a particular
  company within an industry. For example, oil-drilling companies depend on finding
  oil and then refining it, a lengthy process, before they can generate a profit. They
  carry a higher risk of profitability than an electric company, which generates its
  income from a steady stream of customers who buy electricity no matter what the
  economic environment is like.

• Liquidity Risk: Liquidity is the ability to readily convert an investment into cash.
  Generally, assets are more liquid if many traders are interested in a standardized
  product. For example, Treasury Bills are highly liquid, while real estate properties
  are not.

• Financial Risk: Excessive borrowing to finance a business’ operations increases the
  risk of profitability, because the company must meet the terms of its obligations in
  good times and bad. During periods of financial stress, the inability to meet loan
  obligations may result in bankruptcy.

     Wall Capital Group, Inc.                                           IARD/CRD No: 105913
     Form ADV Part 2A                                                 SEC File No.: 801- 41815
     Brochure                                                                      March 2026