Your Wealth Consultants

ITEM 5 – FEES AND COMPENSATION

The company serves as a fee- based investment management firm. The firm’s compensation is based on a
percentage of assets under management or on a monthly direct payment for services from the client.

When we act as your investment adviser, we must act in your best interest and not put us ahead of
yours. At the same time, the way we make money creates some conflicts with your interests. You
should understand and ask us about these conflicts because they can affect the investment advice we
provide you. Here are some examples to help you understand what this means."

 Commission Conflicts: Our financial professionals Adrian Tate (CRD 538-1037) is a licensed insurance agent
for companies like MassMutual and Augustar. They receive commissions when you purchase insurance or
annuity products through them. This creates an incentive to recommend these products over other
investments that do not pay a commission.

Fee Structure Conflicts: If you pay an asset-based fee (AUM), we earn more as your account grows, which
may incentivize us to encourage you to increase the assets in your account. If you pay a fixed monthly fee,
we receive the same compensation regardless of the level of activity in your account.

Advisory Fee Financial Planning
Plans and other services are provided for a fee. The Fees for the Services are negotiated between YWC and
the client. Generally, the fees are based upon the specific Services provided by YWC to the client. A wide

range of Services is available, and the client selects the combination of Services that best fits his or her goals
and objectives. The Fees for the Services vary based upon several factors, including the complexity of the
client’s plan , if any , the other Services to be provided, if any and the interaction of the Advisor with client’s
other professional consultants , including , among others, Certified Public Accountants ( CPAs) , trust
department personnel , and attorneys. Fees within the $500 to $10,000 range are determined based on
factors including the complexity of the client’s financial situation, scope of services requested, time required,
number of accounts involved, and coordination with other professionals such as CPAs or attorneys.

The Services related to a Plan are typically provided under a flat fee arrangement, although hourly fee
arrangements may also be available. Currently, the flat fee arrangements may also be available.
Currently,

the flat fee for preparing a Plan and providing related financial planning services generally ranges from

$ 500 -$ 10,000 but may be higher depending upon particular Services requested and the complexity of the
plan. The flat fee will normally be paid in whole or in monthly payments as reflected in the Agreement signed

by the client . Both payment options will provide follow- up consultations on the stated frequency
contained within the agreement.
A written fee estimate will be provided to the client following an initial consultation. There is no fee for an
initial consultation. Clients are not obliged to use any other services provided by YWC to receive an initial
consultation

Asset Based Fee Arrangement

Tiered Advice Fee Schedule Value of Assets Annual Fee Rate

    ➔ < = to $250,000 1.5.%

    ➔ > or+ $250,001 – 500.000 1.25%

    ➔ > $500,001 and above 1.0%
Fees annually, paid quarterly in arrears based on the average assets under management during the quarter. It
should be noted that YWC fees are in addition to and exclusive of any account fees, IRA fees, brokerage
commissions, transaction fees, taxes, wiring fees, fund internal fees, fund early redemption fees, and other
related costs and expenses which shall be incurred by the client.
The Advisor Fee will be assessed on all assets under management, including securities, cash and money
market balances. The fee will be charged and directly withdrawn from the Client’s account, quarterly in
arrears, and we encourage clients to review the fee assessment specified in the account activity statements
and contact YWC with any questions relating to the calculation. The typical asset- based fee varies depending
upon the Program and the fee option selected by the client. Fee Options and rates may also differ among
different accounts held by the same client, depending on the Program and services selected for an Account.

Fees annually, paid quarterly in arrears based on the average assets under management during the quarter. It
should be noted that YWC fees are in addition to and exclusive of any account fees, IRA fees, brokerage
commissions, transaction fees, taxes, wiring fees, fund internal fees, fund early redemption fees, and other
related costs and expenses which shall be incurred by the client.
The Advisor Fee will be assessed on all assets under management, including securities, cash and money
market balances. The fee will be charged and directly withdrawn from the Client’s account, quarterly in
arrears, and we encourage clients to review the fee assessment specified in the account activity statements
and contact YWC with any questions relating to the calculation. The typical asset- based fee varies depending
upon the Program and the fee option selected by the client. Fee Options and rates may also differ among
different accounts held by the same client, depending on the Program and services selected for an Account.

ITEM 7 – TYPES OF CLIENTS
YWC primarily provides services to individuals and small businesses. The firm currently does not have a
restriction for minimum account size - but reserves the right to impose such in the future. It should be noted
that the relative impact of trading costs and asset-level expenses for smaller accounts can be significant. YWC
will attempt to manage smaller account diversification, trading costs and fees in a thoughtful manner - which
may impact the choice of “fund family” as well as number and choice of portfolio holdings.