Worthington Financial Partners LLC

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged quarterly in advance and are based primarily on asset
size and the level of complexity of the services provided. In individual cases, WWM has the sole

discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are
not based on the share of capital gains or capital appreciation of the funds or any portion of the
funds. Comparable services for lower fees may be available from other sources. Fees for the
initial quarter will be prorated based upon the number of calendar days in the calendar quarter
that the advisory agreement is in effect. Fees are based on the market value of the assets on the
last business day of the previous quarter. Maximum annual fees are 2% of assets under
management (“AUM”). Consulting services are included in these fees for asset management
services except for unique circumstances that may require a separate agreement for financial
planning services (description and fees are discussed below). If the situation warrants separate
financial planning fees, it will be discussed upfront, and a separate agreement will be negotiated.

As authorized in the client agreement, the firm’s custodian, Charles Schwab withdraws
Worthington Wealth Management’s advisory fees directly from the clients’ accounts according to
the custodian’s policies, practices, and procedures. The custodial statement includes the amount
of any fees paid to WWM for advisory services. Clients should carefully review their statement
to verify the calculation of fees. Our custodian does not verify the accuracy of fee calculations.

 Clients may terminate investment advisory services obtained from WWM, without cost or
penalty, upon written notice within five (5) business days after entering into the advisory
agreement with WWM. Clients are responsible for any fees and charged after 5 days from
signing the advisory agreement. Clients who terminate investment advisory services during a
quarter are charged a prorated advisory fee based on the date of WWM’s receipt of client’s
written notice to terminate. Any earned but unpaid fees are immediately due and payable, and
any prepaid and unearned fees will be immediately refunded.

IRA Rollover Considerations: When we are asked, we provide education or recommendations
related to the rollover of an employer-sponsored retirement plan. A plan participant leaving
employment has several options. Each choice offers advantages and disadvantages, depending
on desired investment options and services, fees and expenses, withdrawal options, required
minimum distributions, tax treatment, and the investor's unique financial needs and retirement
plans. The complexity of these choices may lead an investor to seek assistance from us.

An Associated Person (IAR) who recommends an investor roll over plan assets into an Individual
Retirement Account (“IRA”) may earn an asset-based fee as a result, but no compensation if
assets are retained in the plan. Thus, we have an economic incentive to encourage an investor to
roll plan assets into an IRA. In some cases, fees and expenses will increase to the investor
because of a rollover.

We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment
advice to clients regarding their retirement plan account or individual retirement account, we are
also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act
and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts.
We have to act in the clients your best interests and not put our interest ahead of theirs. At the
same time, the way we make money may create some conflicts with their interests.

Billing on Cash Positions: Depending on the account, the firm may treat cash and cash
equivalents as an asset class. Accordingly, unless otherwise agreed in writing, all cash and cash
equivalent positions (e.g., money market funds, etc.) held for investment are included as part of
assets under management for purposes of calculating the firm’s advisory fee. At any specific
point in time, depending upon perceived or anticipated market conditions/events (there being no
guarantee that such anticipated market conditions/events will occur), the firm may maintain cash
and/or cash equivalent positions for defensive, liquidity, or other purposes. While assets are
maintained in cash or cash equivalents, such amounts could miss market advances and,
depending upon current yields, at any point in time, the firm’s advisory fee could exceed the
interest paid on the client’s cash or cash equivalent positions.

Periods of Portfolio Inactivity: As part of its investment advisory services, the firm will review
client portfolios on an ongoing basis to determine if any changes are necessary based upon
various factors, including but not limited to market activity, investment performance, fund
manager tenure, style drift, account additions/withdrawals, the client’s financial circumstances,
and changes in the client’s investment objectives. Based upon these and other factors, there may
be extended periods of time when the firm determines that changes to a client’s portfolio are
neither necessary nor prudent. During such periods, the firm’s annual investment advisory fee
will continue to apply, and there can be no assurance that investment decisions made by the firm
will be profitable or equal to any specific performance level(s).

Additional Fees and Expenses
For any mutual funds purchased, the client may pay their proportionate share of the funds’
distribution, internal management, investment advisory and administrative fees. Such fees are
not shared with WWM and are compensation to the fund manager. Clients are urged to read the
mutual fund prospectus prior to investing.

Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal
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Types of Clients

WWM offers investment advisory services to individuals, corporations, and retirement plans.
There are minimum investments associated with some of our advisory accounts.

Form ADV, Part 2A, Item 8 - Methods of Analysis, Investment Strategies, and Risk of Loss

       Methods of Analysis, Investment Strategies, and Risk of Loss

WWM’s methods of analysis and investment strategies incorporate the client’s needs and
investment objectives, time horizon, and risk tolerance. WWM is not bound to a specific
investment strategy for the management of investment portfolios but rather considers a variety of
factors gathered at the account opening, as well as on an on-going basis. Examples of
methodologies that our investment strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return
to a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed percentage or
dollar amount of securities at regularly scheduled intervals regardless of market conditions.
Dollar-cost averaging lessens the risk of investing a large amount in a single strategy at one time.

Technical Analysis – involves studying past price patterns and trends in the financial markets or a
security to predict prices.

Long-Term Purchases – securities purchased with the expectation to hold securities for a
relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year.

Our strategies and products may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage client portfolios with strategies and in a manner consistent with your risk tolerances,
there can be no guarantee that our efforts will be successful. Clients should be prepared to bear
the risk of loss.

 Risk of loss may include (among other things) loss of principal, a reduction in earnings
(including interest, dividends, and other distributions), and the loss of future earnings. These
risks include market risk, interest rate risk, issuer risk, manger risk, diversity risk, concentration
risk, and general economic risk. Regardless of the methods of analysis or strategies suggested for
your particular investment goals, you should carefully consider these risks.

WWM’s primary goal for investing is to help our client maintain purchasing power over the long
term. This may result in short-term variability and loss of principal. Time horizon and risk
tolerance are key determinates of the proper asset allocation. WWM’s approach focuses on
taking appropriate risks for which clients are compensated (i.e. market risk) and seeking to limit
or eliminate risks that do not provide compensation over the long term.

Below are descriptions of specific risks of investing:

Concentrated Position Risk: Certain Associated Persons may recommend that clients
concentrate account assets in an industry, economic sector, or strategy. Therefore, at times a
client may hold a relatively small number of security determinates each representing a relatively
large portion of assets in the account. As a result, the account may be subject to greater volatility
than a more sector diversified portfolio. Investments in issuers within an industry, or that
experiences adverse economic, business, political or other conditions and strategies will impact
the value of such a portfolio more than if the portfolio’s investments were not so concentrated. A
change in the value of a single strategy within the portfolio will affect the overall value of the
portfolio and may cause greater losses than if it were held in a more diversified portfolio.

Market Risk. The prices of securities on which clients invest may decline in response to certain
events taking place around the world, including those directly involving the companies whose
securities are owned by the client or an underlying fund; conditions affecting the general
economy; overall market changes; local, regional or global political, social or economic
instability; and currency, interest rate and commodity price fluctuations. Investors should have a
long-term perspective and be able to tolerate potentially sharp declines in market value.

Management Risk. WWM’s investment approach may fail to produce the intended results. If
our perception of the performance of a specific asset class or underlying fund is not realized in
the expected time frame, the overall performance of a client’s portfolio may suffer.

Security, Equity Risk. Equity securities tend to be more volatile than other investment choices.
The value of an individual mutual fund or ETF can be more volatile than the overall market. This
volatility affects the value of the client’s overall portfolio. Small and mid-cap companies are
generally subject to additional risks. Smaller companies may experience greater volatility, higher
failure rates, more limited markets, product lines, financial resources, and less management
experience than larger companies. Smaller companies may also have a lower trading volume,
which may disproportionately affect their market price, tending to make them fall more in
response to selling pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and
principal payments when due. Generally, the lower the credit rating of a security, the greater the
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