Wealth Coach LLC

5 – Fees and Compensation of this disclosure brochure, designed to allow us to recommend and select
third-party money managers for you. Once you select the third-party money manager to manage all or a
portion of your assets, the third-party money manager will pay us a portion of the fees you are charged.
Please refer to Items 4 and 5 for full details regarding the programs, fees, conflicts of interest and
materials arrangements when Minko Wealth selects other investment advisers.

Legal Services

Anthony Minko (Member and Investment Adviser Representative) is also licensed as an attorney,
providing legal services through Minko Law Office. Anthony Minko’s legal services are provided to clients
of Minko Wealth, but all legal services are provided separately and apart from the investment advisory
services of Minko Wealth.

Anthony Minko’s law practice focuses on estate planning, drafting of wills, estates, power of attorney
documents, and trusts.

Anthony Minko devotes a significant portion of time each week to the practice of law in this capacity as an
attorney, separate and apart from Minko Wealth. This dual role creates a conflict of interest because time,

Wealth Coach, LLC d/b/a Minko Wealth                Page 16                      Form ADV Part 2A: Firm Brochure

attention, and professional responsibilities of Anthony Minko are divided between the investment advisory
business and the practice of law. As a result, there is an inherent conflict regarding the allocation of his
professional time and resources between his investment advisory clients and law firm clients.

Minko Wealth is not a law firm and does not provide legal services. All legal services are provided solely
through the law firm under separate legal engagement agreement and for separate legal fees. An
investment advisory client of Minko Wealth is under no obligation to utilize the legal service of Anthony
Minko and should conduct independent due diligence of Anthony Minko before engaging Anthony Minko
as an attorney through the law firm.

Insurance Agent

You may work with Christopher Minko (Managing Member and Investment Adviser Representative) in his
separate capacity as an insurance agent. Christopher Minko’s insurance sales activity is independent of
and outside the scope of the investment adviser representative’s affiliation with our investment adviser
firm. When acting in his separate capacity as an insurance agent, Christopher Minko can sell, for
commissions, fixed insurance products, fixed annuities, and fixed equity annuities to you. As such,
Christopher Minko in his separate capacity as an insurance agent, may recommend that you implement
recommendations of Minko Wealth by purchasing fixed insurance products, fixed annuities, and fixed
equity annuities.

The receipt of commissions creates an incentive for Christopher Minko to recommend those products for
which he will receive a commission in his separate capacity as an insurance agent. Consequently, the
advice rendered to you is biased, and Christopher Minko has a conflict of interest when acting as an
insurance agent. It is important for clients to understand that when acting in this separate capacity as a
licensed insurance agent, this individual is not acting as a fiduciary and does not have the same
obligations to act solely in the best interest of the client as when providing investment advisory services
through our investment adviser firm.

You are encouraged to inquire about the compensation arrangements related to insurance products. You
should carefully evaluate insurance recommendations made by Christopher Minko in his separate ‘role’
as an insurance agent and consider whether to obtain a second opinion from a third party. You are under
no obligation to implement any insurance or annuity transaction through Christopher Minko.

Item 7 – Types of Clients

Minko Wealth generally provides investment advice to individual, natural-person clients (including high-
net worth individuals) and their families, businesses, trusts, and estates.

You are required to execute a written agreement with Minko Wealth specifying the particular advisory
services to establish a client arrangement with Minko Wealth.

Minimum Investment Amounts Required
There are no minimum investment amounts or conditions required for establishing an account managed
by Minko Wealth. However, all clients are required to execute an agreement for services to establish a
client arrangement with Minko Wealth and/or the third-party money manager or the sponsor of third-party
money manager platforms.

Sub-advisers and third-party money managers may have minimum account and minimum fee
requirements in order to participate in their programs. Each-third party money manager will disclose its
minimum account size and fees in its Form ADV Part 2A Disclosure Brochure.