Wealthcrest Financial Services LLC

Item 5 – Fees and Compensation

A. Fee Schedule

WealthCrest is primarily a fee based firm and charges an advisory fee as a percentage of
assets under management and/or hourly fees for services. The amount and the type of fee
charged by the firm vary with the type of services engaged by the client. All fees and
services discussed herein are negotiable.

 An initial client meeting will focus on client needs and desires and is provided free of
charge by WealthCrest. Prior to engaging WealthCrest for financial planning and/or
consulting services, the client will generally be required to enter into a written agreement
with WealthCrest. This agreement will set forth the terms and conditions of the
engagement, describe the scope of the services to be provided and the fee that is due from
the client.

Financial Planning Services

An initial consultation is provided free from charge to assess the client/planner
relationship. A second planning meeting involves data gathering and the third is for
presentation of the finished plan. The plan cost is a flat fee range of $1,495 to $9,495.
Generally, WealthCrest will require that one-half of the fees be payable upon entering the
written agreement. The balance is generally due upon delivery of the financial plan or
service rendered in the engagement agreement. At no time will the client be charged
prepaid fees of more than $500 for services rendered more than six months in advance.
WealthCrest may, at its own discretion, lower the stated fee for the plan or the deposit
required. Either party may terminate the agreement by written notice to the other. If
either party terminates the agreement within five days of executing the plan agreement, no
fee will be due. Plan revisions, such as an update, will be provided at 3/4 of the full price
flat fee stated in the most recent and current ADV Part II. WealthCrest may, at its own
discretion, also lower the cost for a plan revision. If the client requests additional work
beyond what is completed in the plan, that work will be at the billable rates discussed
under Consultations Services section below.

Consulting Services

A written agreement will set forth the terms and conditions of the engagement, describe
the scope of the services to be provided, and the fee or billable rate due from the client.
Fees for consulting services vary depending on complexity. Billable rates generally range
from $195 to $350 per hour depending on the needs of the client and the complexity of the
consultation. Generally, WealthCrest will require that one-half of the fees be payable upon
entering the written agreement. The balance is generally due upon delivery of the service
rendered in the engagement agreement. At no time will the client be charged prepaid fees
of more than $500 for services rendered more than six months in advance. WealthCrest
may, at its own discretion, lower the stated fee for the service or the deposit required.

Investment Management

Cambridge Managed Account Platform (CMAP) fees

The investment management fee shall vary depending upon the client's assets under
management and financial complexity. The fee will not exceed 2% annually, but generally
range between .45% and 1.20%. WealthCrest's management fee may not be appropriate
for clients with combined accounts of less than $100,000. WealthCrest, in its sole
discretion, may discount a management fee from its traditional rates based upon certain
criteria such as anticipated future earning capacity, anticipated future additional assets,
dollar amount of assets to be managed, related accounts, account composition, if the client
was a pre-existing client, etc.

WealthCrest covers trading costs in CMAP accounts, paying a fee per account to cover client
trading costs from the fee charged to the client for asset management. Assets managed
under this Agreement do not involve commissions paid by the client.

If at the time of the initiation of this Agreement, WealthCrest or its advisors provide other
significant services to the Client, WealthCrest may charge the Client a one-time fee of up to
one percent (1%) of the value of each account. The combined Set-up Fees and annual fees
may not exceed three percent (3%) of assets under management in any year. Increases in
account values due to appreciation, dividends, or interest on funds under management are
not subject to the Set-up Fee.

Cambridge WealthPort

Management and account fees are negotiable and subject to discounts on an account-by-
account basis. The fee will not exceed 2.1% annually, but generally range between 1.25%
and 1.90%. Refer to the WealthPort Wrap Brochure for program details.

CAAP Set-Up Fee

Depending on the complexity and structure of the CAAP strategy selected by the client, IAR
may assess a one-time non-refundable set-up fee of no more than $1,000. The combined
set-up fee and first year’s account fee may not exceed 3% of assets under management.

B. Payment of Fees in Advisory Accounts (CMAP and WealthPort)

All management fees will be deducted periodically by the custodian at the agreed rate.
Fees may be billed in advance or in arrears and may be quarterly or monthly depending on
the agreement. The first payment is due upon execution of the Advisory Agreement and
will be assessed pro-rata in the event this agreement is executed at any time other than the
first day of the billing cycle, minus excluded assets if any. Subsequent payments are due
and will be assessed on the first day of each billing cycle based on the value of the assets

under management minus excluded assets, if any, as of the close of business on the last
business day of the preceding billing cycle. WealthCrest at its own discretion may
aggregate accounts held at Pershing to meet fee breakpoints on managed assets.
WealthCrest is not compensated on the basis of a share in the capital gains or appreciation
of the funds or any portion of funds of the client.
...

Item 7 – Types of Clients

WealthCrest generally provides investment advice and/or management supervisory
services to the following Types of Clients:

   A. Individuals
   B. High-Net-Worth Individuals
   C. Pension and Profit Sharing Plans

Minimum Account Size

There is no account minimum. However, WealthCrest's fee-based management program
may not be appropriate for clients with combined accounts of less than $100,000.