Wealthcare Capital Management LLC

Item 5 – Fees and Compensation
A. FEES FOR ADVISORY SERVICES
Wealth Management/Investment Management Services (“Management Services”)
Management Service fees (“Management Fees”) are generally paid quarterly, in advance of each calendar
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 an annual 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. In the event of the use of alternative
investments, there is a possibility that the management fee rate of 1.85% may be exceeded.

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. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees
will take into consideration the aggregate assets under management with Advisor. All securities held in
accounts managed by WCM will be independently valued by the Custodian. WCM will conduct periodic
reviews of the Custodian’s valuations to ensure accurate billing.

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The fees WCM retains are exclusive of, and in addition to any applicable securities transaction and custody
fees, and other related costs and expenses, which may be incurred by the Client. However, WCM shall not
receive any portion of these commissions, fees, and costs.

Gold and Silver Bullion Platform – Assets held in taxable accounts through the NeptuneGBX platform will
be charged an annual fee of 0.30% by Neptune Holdings Group, LLC, generally paid quarterly in advance
of each calendar quarter pursuant to the terms of the management agreement. Assets held in non-taxable
accounts will instead be charged a flat $375 per year rather than an asset-based fee. WCM does not receive
any portion of this platform fee.

Use of Independent Managers - As noted in Item 4, the Advisor may implement all or a portion of a Client’s
investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the
Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its
investment advisory fee as described above. Independent Managers will not typically offer any fee
discounts, but may have a breakpoint schedule which will reduce the fee with an increased level of assets
placed under management with an Independent Manager. The terms of such fee arrangements are included
in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent
Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee will not
exceed 2.00% annually. WCM does not impose a minimum relationship size, however, the Advisor may
impose a minimum annual fee, which can be waived at the sole discretion of the Advisor. In the event that
a client utilizes an outside investment advisor for alternative investments, the blended fee may potentially
exceed 2.00% annually

For assets managed through a third-party platform, the Client is not charged any additional platform fees.
The Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to
assets accessed and managed through the platform as part of the Client’s assets under management, as
disclosed above.

Investment Strategist / Model Management Services - For investment strategist/model management
services, WCM will charge a management fee of up to 0.25% per annum based upon the assets under
management in each End Client account.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.65%. Retirement
plan advisory fees are based on the market value of assets under management at the end of the prior calendar
quarter. Fees may be negotiable depending on the size and complexity of the Plan and the services to be
provided.

Financial Planning Services
Project-based financial planning 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 fees range up to $15,000 which is
invoiced in advance of each quarter. 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.

B. FEE BILLING
Management Services
Generally, management fees are calculated by the Advisor or its delegate and deducted from the Client’s
account[s]. The Advisor or its delegate shall send an invoice to the Custodian to automatically deduct the

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management fee from the Client’s account[s] for each quarter and pay the management fee[s] to the
Advisor. The amount due is calculated by applying the quarterly rate (annual rate prorated for number of
days in the upcoming quarter) to the total assets under management with WCM at the end of the prior
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 does not assume this responsibility. Clients provide written
authorization permitting the Custodian to pay WCM by direct deduction from their account[s] held by the
...

Item 7 – Types of Clients
WCM provides investment advisory, portfolio management and related services to individuals, high net
worth individuals, trusts, estates, retirement plans, business entities, including other investment advisors,
charitable institutions, endowments and foundations. 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. Although WCM generally does not impose a minimum relationship size, the Advisor does
impose a minimum fee of $500 which can be waived at the sole discretion of the Advisor. Additionally,
certain Independent Managers may also impose a minimum fee.