Wealth Care LLC

Item 5 Fees and Compensation
Description
          WEALTH CARE LLC bases its fees on a percentage of assets under management and fixed fees. We
          rely on trustworthy systems such as Advyzon, our portfolio reporting software, and the asset
          custodians for accurate asset data for purposes of assets under management fee calculations. That
          being said, we re-check every fee figure for accuracy.

                                       www.WealthCareLLC.com | F. 815.301.3777                                                  6

        Steven Podnos MD, MBA, CFP® P. 321.543.1099 E. Steven@wealthcarellc.com • Rachel Podnos J.D., CFP® P. 321-505-7592 E.
                                                     Rachel@wealthcarellc.com

                                  Lauren Podnos, CFP® P. 321-537-7502 E. Lauren@wealthcarellc.com

          We work with clients on a long-term basis providing comprehensive financial planning and
          investment management. Our fees are as follows:
          1% per year on the first $1 million that we manage for you
          .5% per year on the next $2 million that we manage for you
          .25% per year on assets over $3 million that we manage for you

          Our minimum annual fee is $7500. Fee schedules can be modified depending on circumstances.
          Current client relationships may exist where the fees are higher or lower than the fee schedule above.
          In addition, negotiated fees for larger accounts are possible. Typically, pension plan management fees
          begin at .5% per year.
          Some fixed fee schedules may be priced based on the complexity of work, especially when asset
          management is not the most significant part of the relationship.

Fee Billing
          Fees are billed quarterly, in arrears, meaning that we invoice you after the three-month billing period
          has ended. Payment in full is expected upon invoice presentation. Fees are usually deducted from a
          designated client account to facilitate billing. The client must consent in advance to direct debiting of
          their investment account, which is usually done at the time of the account application. Wealth Care
          LLC will also bill clients via electronic payment services (PayPal and AdvicePay) or accept payment by
          check, upon the client’s request.

Other Fees
         Custodians may charge transaction fees on purchases or sales of certain mutual funds and exchange-
         traded funds. These transaction charges are usually small and incidental to the purchase or sale of a
         security. The selection of the security is more important than the nominal fee that the custodian
         charges to buy or sell the security.
          WEALTH CARE LLC, in its sole discretion, may waive its minimum fee and/or charge a lesser
          investment advisory fee based upon certain criteria (e.g., historical relationship, type of assets,
          anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to
          be managed, related accounts, account composition, negotiations with clients, etc.).

Expense Ratios
         Mutual funds generally charge a management fee for their services as investment managers. The
         management fee is called an expense ratio. For example, an expense ratio of 0.50 means that the
         mutual fund company charges 0.5% for their services. These fees are in addition to the fees paid by
         you to WEALTH CARE LLC.
          Performance figures quoted by mutual fund companies in various publications are after their fees
          have been deducted.
                                       www.WealthCareLLC.com | F. 815.301.3777                                                  7

        Steven Podnos MD, MBA, CFP® P. 321.543.1099 E. Steven@wealthcarellc.com • Rachel Podnos J.D., CFP® P. 321-505-7592 E.
                                                     Rachel@wealthcarellc.com

                                  Lauren Podnos, CFP® P. 321-537-7502 E. Lauren@wealthcarellc.com

Past Due Accounts and Termination of Client Relationship
         WEALTH CARE LLC reserves the right to stop work on any account that is more than 30 days overdue.
         In addition, WEALTH CARE LLC reserves the right to terminate any financial planning engagement
         where a client has willfully concealed or has refused to provide pertinent information about financial
         situations when necessary and appropriate, in WEALTH CARE LLC’s judgment, to providing proper
         financial advice. Any unused portion of fees collected in advance will be refunded within 10 days.

Item 7 Types of Clients
Description
          WEALTH CARE LLC generally provides investment advice to individuals, pension and profit sharing
          plans, trusts, estates, or charitable organizations, corporations or business entities.
          Client relationships vary in scope and length of service.