WCG Wealth Advisors LLC

Item 5: Fees and Compensation
Fees for Advisory Accounts

WCG and its Advisors offer a variety of services and manage a broad range of client accounts with different mandates,
fee structures and expenses. WCG’s Advisors charge differing investment advisory fees based upon certain criteria
(i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed,
related accounts, account composition, negotiations with client, etc.). This is also a conflict of interest, as it creates a
financial incentive for WCG Advisors to provide preferential treatment to one account over others in terms of
allocation of management time, resources, and investment opportunities. In addition to disclosing these conflicts of
interest, WCG has created and implemented a compliance and supervisory program to mitigate such conflicts through
the oversight of client accounts and investment advisory activities. WCG mitigates these conflicts of interest, in part,
by endeavoring to act in each client’s best interest and through the adoption and implementation of WCG’s Code of
Ethics and other policies and procedures. See Item 11 for additional information.

Generally, fees are due and payable, and deducted from your account by the custodian in advance or arrears based
upon the market value of the client’s account assets as of the close of business on the last day of the previous calendar
quarter. At no time will the Management Fee assessed by WCG exceed 2.5% of the gross assets under management
(valued at fair market value).

It is important to note that the fees charged to clients vary based on the investment adviser representative advising
the account. An advisor can negotiate the fees at their sole discretion with the client, based on the complexity of the
customer’s situation, the scope of services provided, time commitment, and the experience and expertise of the
advisor. Please note the Advisor may group certain related Client accounts, often known as “householding”, for the
purposes of achieving the minimum account size and determining the annualized fee.

The advisory fee will be disclosed as an “Exhibit A” attached to the investment management agreement. In addition,
fee schedules are set forth by the platform provider and agreed upon and monitored by WCG in their sole discretion
with the client, so long as such fees fall within the ranges approved by the Advisor.

We will bill you for our investment advice through LPL Financial’s billing system, or through third-party billing systems
for accounts custodied at LPL, Schwab and Fidelity. For clients who are billed based on a percentage of account assets,
quarter-end fee assessments will be calculated using one of the following methodologies:

Using the LPL Financial system, the fee is calculated by taking the value of the account (based on the fair market value
as assessed by the qualified custodian on the last day of the quarter) and multiplying that value by your advisory fee,
the result is then divided by 360, representing days per accounting year and multiplying that result by the number of
days in the month (based on 30 days in the month).

Using third-party systems, the fee is calculated the same way except based on 365/366 days per accounting year and
the actual days in the month.

Note: LPL’s quarter-end fee assessment is based on the settlement date and the third-party is based on the valuations
of the last day of the quarter. Because of the different accounting methods, there may be slight variances in your
assessed investment advisory fee. However, both methods are acceptable accounting practices. If you have any
questions regarding the differences in fee calculation methods or how your fees are assessed, you are highly
encouraged to contact WCG for further guidance. In addition, neither methods includes margin balances in the
calculation of advisory fees.

The advisory relationship can be terminated by the client or by third parties to the contract in accordance with the
provisions of the Investment Advisory Agreement and Platform/TAMP paperwork. The client receives a pro-rata refund
of any prepaid unearned advisory fees. Any unpaid fees become immediately due and payable. Clients receive an
account statement from their custodian at least quarterly. The statement includes the amount of any fees paid directly
to WCG. Clients should note that the same or similar services to those described above can be available elsewhere at
a lower cost to the client.

Custodian-sponsored programs, third-party investment managers or programs may require a minimum asset level or
charge a minimum fee, and clients should be aware that the imposition of minimum fees by another entity will result
in a higher fee being charged than is described in this Brochure, particularly where partial withdrawals by the client
reduce asset levels. As noted above, generally advisory fees assessed by WCG do not include the manager's fee, nor
does it include brokerage commissions and other trading costs of transactions (such as mark-ups and mark-downs);
mutual fund 12b-l fees; sub-transfer agent, networking and omnibus processing fees; transfer taxes, fund management
fees, and administrative servicing fees; certain deferred sales charges on previously purchased mutual funds and other
transaction charges and service fees, IRA and Qualified Retirement Plan fees; administrative servicing fees for trust
accounts; and other taxes and charges required by law or imposed by exchanges or regulatory bodies. Fees for these
platforms are found in the custodian sponsor/sponsor's or manager's Form ADV Part 2A brochure (or the applicable
agreements), which will be delivered to the client prior to the commencement of investing in the platform. Clients
typically authorize the deduction of third-party investment managers’ or program’s fees from the client’s custodial
...

Item 7: Types of Clients
There are minimum account size requirements for some WCG Advisory services offered through WCG or established
and the individual IARs that are affiliated with WCG. In addition, there can be a minimum account size requirement
established by the particular program. These minimum account size requirements can be waived by WCG, office, or
custodian if possible.

The advisory services offered by WCG Wealth Advisors, LLC are available for individuals, high net worth individuals,
individual retirement accounts (“IRAs”), banks and thrift institutions, pension, and profit-sharing plans, including plans
subject to Employee Retirement Income Security Act of 1974 (“ERISA”), trusts, estates, charitable organizations, state
and municipal government entities, corporations and other business entities. WCG is currently not working with other
types of clients or pursuing them as prospects but would not turn away any opportunities that may arise.

If a client's account is a pension or other employee benefit plan governed by ERISA, WCG can be a 3(21) or 3(38)
fiduciary to the plan. In providing our investment advisory services, the sole standard of care imposed upon us is to
act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting
in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with
like aims.

We will provide certain required disclosures to the "Responsible Plan Fiduciary" (as such term is defined in ERISA) in
accordance with Section 408(b)(2), regarding the services we provide and the direct and indirect compensation we
receive from such clients. Generally, these disclosures are contained in this Brochure or the RCPA and are designed to
enable the ERISA plan's fiduciary to: (1) determine the reasonableness of all compensation received by us; (2) identify
any potential conflicts of interest; and (3) satisfy reporting and disclosure requirements to plan participants.

However, WCG generally provides investment advice to individuals and high-net-worth individuals as well as corporate
clients. WCG is currently not working with other types of clients or pursuing them as prospects but would not turn
away any opportunities that may arise.