Worthpointe LLC

Item 5 Fees and Compensation
Prior to engaging WorthPointe, the Client will be required to enter into a written Advisory Agreement with
WorthPointe setting forth the terms and conditions of the engagement and describing the scope of the services to
be provided.

Fees for the WM Program
Pursuant to the Advisory Agreement, Clients shall pay Advisory Fees for the WM Program, which shall be based
on the Advisory Fee Rates in the Client's Advisory Agreement. Advisory Fee Rates shall be available in

    • an "assets under management" version (the "AUM Clients") for Clients who prefer to have their
      Advisory Fee Rate Schedule determined by their aggregate value of their household assets under
      management with Adviser through the WM Program; or

    • a household net worth-based version ("NW Clients").

For the AUM Clients, the calculation is based on the assets we manage through the WM Program for all
Managed Accounts in Client's household, generally subject to a maximum annual fee of 1.00% of assets under
management. Some clients may be subject to a different fee schedule in effect at the time of their original
engagement with WorthPointe, inlcuding some clients paying higher than 1.0% when utilizing certain margin
strategies. WorthPointe reserves the right to negotiate fees with clients, in its sole discretion. The specific fee
schedule to which a client is subject, will be detailed in the Advisory Agreement.

For the NW Clients, the fee is based on the household net worth of the Client as reported to WorthPointe by the
Client or Client's delegate on an annual basis. For the NW Clients, the maximum fee is an annual Advisory Fee
Rate of 0.40%.

In addition, clients opting for strategies managed by a third-party advisor may be subject to additional fees
assessed by the third-party adviser. Clients should refer to the applicable third-party advisor's disclosure
brochure (Form ADV Part 2A) for a complete discussion of fees. WorthPointe does not receive any portion of the
fee assessed by the third-party advisor.

Advisory Fees for the WM Program shall be calculated and paid quarterly, in advance, based upon the closing
market value of the Managed Accounts on the last day of the previous calendar quarter or as specified in the
Advisory Agreement; provided, for the initial calendar quarter, the Advisory Fees are based on the amount
deposited into the Managed Account during the first calendar quarter after the date of the Advisory Agreement.
No portion of the Advisory Fees shall be based on capital gains or capital appreciation of the Managed Accounts.
In some cases, fees may be assessed in arrears, if specified in the Advisory Agreement.

Fees are calculated on a per account basis unless accounts are designated as part of a household, as WorthPointe
determines in its sole discretion. Advisory Fees may be calculated on the basis of the actual number of days in a
calendar quarter or on the basis of 4 even calendar quarters, as WorthPointe elect to apply on a consistent basis.

Betterment
The fee for the digital wealth management program offered through Betterment is an asset-based wrap fee
charged quarterly in arrears, based on the balance in your account on the last business day of the preceding
month. The specific fee to which you are subject will be stated in the Investment Management Agreement you
sign with us and will typically align with the fee schedule stated above for our Discretionary Portfolio
Management Services. Betterment will charge a separate asset-based program fee, which is also debited from
your account quarterly in arrears, which means the total fee for this program may cost more than our standard
Discretionary Portfolio Management Services, as a percentage of assets under management. The Betterment fee
is disclosed to you at the time you open an account.

Additional Fees & Expenses
The Advisory Fees are separate from a number of other expenses Managed Accounts will incur, including:

    •   Brokerage and Investment Expenses
    •   Investment Company Expenses
    •   Custodial Expenses
    •   Brokerage and Investment Expenses
    •   Third-party Advisor Fees (if applicable)

Brokerage and Investment Expenses

As used in this Brochure, the term "Brokerage and Investment Expenses" refers to the following:

    • commissions, ticket charges, and other fees charged by brokers (including the Custodians) who execute
      securities transactions for the Managed Account on an agency basis;
    • mark-ups, mark-downs, or other spreads included in the amount charged by or paid to a dealer for
      securities bought or sold on a principal basis, and underwriting fees, dealer concessions, or related
      compensation in connection with securities acquired in underwritten offerings;
    • odd lot differentials, transfer or other taxes, floor brokerage fees, exchange fees, service and handling
      fees, electronic fund or wire transfer fees, costs of exchanging currencies, and postage and delivery
      expenses; and
    • costs of cash management services (including for "sweep" arrangements of idle cash into bank deposit
      accounts or money market mutual fund accounts), and direct and indirect fees for other financial or
      investment services provided by brokers or custodians.
    • WorthPointe does not receive any of the Brokerage and Investment Expenses. Please refer to Item 12 for
      additional information about our brokerage practices and costs.

Investment Company Expenses

As used in this Brochure, the term "Investment Company Expenses" refers to the following:

    • Mutual funds, money market funds, ETF's, variable annuities, and UIT's (all referred to as a "fund")
      deduct from their assets the internal management fees, operating costs, and investment expenses they
      incur to operate the fund, and the administrative and mortality costs of the variable annuity. These
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Item 7 Types of Clients
WorthPointe offers personalized investment supervisory services to individuals, high net worth individuals,
corporations and pension and profit sharing plans. Client relationships vary in scope and length of service.
WorthPointe typically requires a minimum of $500,000 in assets under managment, but may lower or waive this
minimum in WorthPointe's sole discretion.

Sponsors or Managers may impose minimum account sizes which may be higher, depending on type of portfolio
and the types of securities the Client requests.