Wealthcare Advisory Partners LLC

Item 5 – Fees and Compensation
A. FEES FOR ADVISORY SERVICES
Wealth Management/Wealth Management/Investment Management Services (“Management Services”)
Management Service fees (“management fees”) are generally paid quarterly, in advance of each calendar

Wealthcare Advisory Partners LLC – Disclosure Brochure – March 24, 2026 Page   8

quarter, pursuant to the terms of the Management Services agreement (“management agreement”).
Management fees are based on the market value of assets under management at the end of the prior quarter.
Management fees are at a rate. of up to 1.85% based on several factors including the types of investments,
size of the Client relationship, reporting requirements, portfolio restrictions and other factors. Fees may be
negotiable at the sole discretion of the Advisor. WCAP may offer discounted rates to its employees and
their families as well as to institutional and very high net worth Clients with substantial account balances.
Additionally, certain Clients may have their fees billed using a different fee methodology, pursuant to
the management agreement.

The management fee in the first quarter of service is prorated from the inception date of the account[s]
to the end of the first quarter. All securities held in accounts managed by WCAP will be independently
valued by the Custodian. WCAP will conduct periodic reviews of the Custodian’s valuations to ensure
accurate billing.

Use of Affiliated Manager – For Clients referred to WCM, WCAP will deduct the advisory fee from the
Client account and a portion of the fee will be provided to WCM.

Use of Independent Managers – For Client account[s] implemented through an Independent Manager
and/or Program Sponsor, the Client’s overall fees will include WCAP’s investment advisory fee (as noted
above) plus advisory fees and/or platform fees charged by the Independent Manager[s] and/or Program
Sponsor, as applicable. The Independent Manager and/or Program Sponsor may assume responsibility for
calculating the Client’s fees and deduct all fees from the Client’s account[s]. In such instances, WCAP’s
fee will be included and will not charge its fee separately on those assets.

Financial Planning and Consulting Services
Project-based financial planning and consulting fees are on an hourly or fixed fee basis. Hourly fees are at
a rate ranging from $150 to $400 per hour. Fixed fee engagements are offered based on the expected effort
and duration at the Advisor’s hourly rate. An estimate for total hours and/or costs will be provided to
the Client in advance of engaging for these services. Ongoing financial planning and consulting fees
range up to $15,000 which is invoiced in advance of each quarter. Ongoing consulting fees may also be
based on the value of the assets being consulted on at the end of the previous calendar quarter. Ongoing
asset-based consulting fees range up to 1% of the assets being consulted on, and are paid quarterly in advance
of each calendar quarter, pursuant to the terms of the consulting agreement. Fees may be negotiable
depending on the nature and complexity of each Client’s circumstances and the experience of the personnel
providing services. Clients may have their financial planning fee included with the overall investment
management fee as described above.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.25% pursuant
to the terms of the retirement plan advisory agreement. Fees may be negotiable depending on the size and
complexity of the Plan as well as the services to be provided.

B. FEE BILLING
Management Services
Generally, management fees are calculated by the Custodian and deducted from the Client’s account[s].
The Client shall instruct the Custodian to automatically deduct the management fee from the Client’s
account[s] for each quarter and pay the management fee[s] to the Advisor. The Custodian will utilize the
fee rate, as defined in the custodial paperwork, to indicate the fee to be deducted from the Client’s
account[s] at the respective quarter-end date. In such circumstances, fees may be prorated for capital
contributions or withdrawals made into a managed account following the initial establishment of a
managed account during the applicable quarter.

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In certain instances, management fees will be calculated by the Advisor or its delegate and deducted
from the Client’s account[s] at the Custodian. The Advisor or its delegate shall send an invoice to the
Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the respective
quarter-end date. In such circumstances, fees will not be prorated for capital contributions or
withdrawals made into a managed account following the initial establishment of a managed account
during the applicable quarter.

When calculated by Advisor, the amount due is calculated by applying the quarterly rate (annual rate
divided by 4) to the total Client assets under management with WCAP at the end of the previous quarter. It
is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s quarterly
statement as the Custodian and Advisor do not assume this responsibility. Clients provide written
authorization permitting the Custodian to pay WCAP by direct deduction from their account[s] held by the
Custodian as part of the management agreement and separate account forms provided by the Custodian.

Use of Independent Managers – Client account[s] implemented through Independent Managers and/or
Program Sponsors will either be deducted from the Client’s account[s] at the Custodian and a portion of
the investment advisory fee will be provided to the Independent Manager, or billed in accordance to the
separate agreement[s] with the Program Sponsors. In such instances, the Program Sponsor will typically
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Item 7 – Types of Clients
WCAP offers investment advisory services to individuals, high net worth individuals, trusts, estates,
retirement plans, charitable organizations and businesses. The Advisor’s typical Clients are those who are
experienced and comfortable with saving and investing for their retirement and their family’s future, board
members and/or trustees acting on behalf of the trust for an organization they represent, and
employers/business owners looking for an advisory group to assist them in making prudent investment
decisions. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These
amounts may change over time and are updated at least annually by the Advisor.

WCAP generally does not impose a minimum size for establishing a relationship, but certain investment
strategies, TPAs and Independent Managers may require a minimum for effective implementation.