Wealth Compass Financial Inc

Item 5: Fees and Compensation

                                           A. Fee Schedule

Portfolio Management Fees

                Total Assets Under Management          Annual Fees
                $1 - $500,000                          1.50%

                $500,001 - $1,000,000                  1.25%

                $1,000,001 - $3,000,000                1.00%

                $3,000,001 – And Up                    0.75%

Advisory fees are expressed as an annual percentage rate. Advisory fees are calculated in a
straight tier schedule (shown above) using the average daily value of the assets in the account for
the monthly billing period and divided by twelve (12) to determine the monthly charge. Fees are
due monthly in arrears. Comparable services may be available at lower cost from other providers.

These fees are generally negotiable, and the final fee schedule is attached as “Exhibit I – Fee
Agreement” of the Investment Advisory Contract. Clients may terminate the Investment
Advisory Contract at any time with five (5) days’ written notice and will only be billed for those
days under our management. Because WCF bills fees in arrears, no additional fees will be
charged to you after termination of services.

Financial Planning
General Financial Planning is provided to WCF clients paying for portfolio management as a
complimentary process to establish client goals and needs at no additional cost. There is no need
to engage WCF for separate financial planning services to receive those services, as explained in
Item 4: Advisory Business. WCF does not charge clients additional fees for financial planning
services.

                                          B. Payment of Fees

Payment of Portfolio Management Fees
Asset-based portfolio management fees are withdrawn directly from the client's accounts with
client's written authorization monthly in arrears. Billing occurs on the 8th of the month. Fees are
automatically withdrawn approximately one week later.

                       C. Client Responsibility for Third Party Fees
Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage fees,
mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and
expenses charged by WCF. Please see Item 12 of this brochure regarding broker-dealers and
custodians.

                                    D. Prepayment of Fees

WCF collects fees in arrears and therefore, there are no prepayment of advisory fees and refunds
do not apply to advisory account clients.

       E. Outside Compensation for the Sale of Securities to Clients

WCF’s sole business is as a Registered Investment Adviser. WCF and its management people do
not have any other financial industry activities or affiliations.

However, WCF supervised persons also possess California insurance licenses and are therefore
licensed to offer and sell insurance products to California residents that they believe may benefit
from them in the overall financial planning process. In doing so, WCF’s supervised people can
receive a commission directly from the insurance company when a policy is sold. Even though
this would transpire outside of their investment advisory role with WCF, this presents a conflict
of interest since the insurance agent – investment professional would have an incentive to
recommend insurance products to individuals for a commission.

WCF addresses this conflict by this disclosure and advises clients that they always have the
option to purchase insurance through other insurance agents, even if it was recommended by a
WCF insurance agent – investment professional. WCF will not charge clients an investment
management fee for any commission-based investment that has resulted in a commission, such
as insurance products. If a WCF Supervised Person - investment professional receives a
commission for an insurance policy sale, clients will not also be billed through WCF for managing
the same policy.

Neither WCF nor its supervised persons accept any compensation for the sale of investment
products, including asset-based sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients

WCF generally offers advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals
       ❖       Pension and Profit-Sharing Plans

There is no account minimum for any of WCF’s services.