Zenith Solutions Inc

Item 5: Fees and Compensation
Please note, unless a Client has received this Disclosure Brochure at least 48 hours prior to signing the
investment advisory contract and financial planning contract, both contracts may be terminated by the
Client within five (5) business days of signing the contract without incurring any advisory fees or
penalties. How Zenith is paid depends on the type of advisory service we are performing. Please review
the fee and compensation information below.

Refunds to clients who paid by electronic funds transfer will be issued via the same third-party payment
processor the client used to pay their fees. Refunds to all other clients will be issued via check.

       Project-Based Financial Plan: $2,000 - $10,000 - this service collects fees from clients at the
       beginning of defined work.

       Estate Planning: The fee for preparation will be up to $3,000 based on the type of estate plan
       selected by the client (will, trust, etc.) and complexity of arrangement such as needing to
       complete a deed transfer. The fees may be negotiable in certain cases, will be agreed upon at
       the start of the engagement, and are due at the completion of the engagement. Clients are not
       required to utilize any third-party products or services that we may recommend, and they can
       receive similar services from other professionals at a similar or lower cost.
       In the case that a Client’s estate planning documents cannot be completed as planned and must
       be directed to another attorney, all fees will be refunded. Estate planning processes initiated by
       clients, but unfinished in a timely manner because Clients did not provide adequate
       documentation will not be refunded.

       Financial Consultation: $550 - Zenith will provide the client with a quote before the session
       and fees will be collected at the beginning of the consultation.

       Ongoing Wealth Planning: Fees for this service are paid in advance and range from $300 to
       $1,000 per month. Payment frequency can be modified to quarterly upon client request. After
       the completion of a client’s financial plan and once Zenith has at least $750,000 assets under
       management, clients only pay an asset-based fee or design a custom fee schedule.

These rates are based on complexity and needs of the client. For ongoing wealth planning clients that
require intensive onboarding, a one-time onboarding fee may be required. These rates can be used to
quote a client for one-time financial planning and advisory services. The fee is negotiable. Fees for this
service may be paid by electronic funds transfer, direct debit from managed account(s), credit card, or
check. This service may be terminated with 30 days’ notice. Upon termination of the agreement, the
fee will be prorated, and any unearned fee will be refunded to the Client.

Investment Management Services
Our standard advisory fee is based on quarter-end market value of assets under management and is
calculated as follows:

                        Account Value                     Annual Investment Advisory Fee
                        $0 - $1,000,000                                 1.00%
                   $1,000,001 - $5,000,000                              0.80%

                   $5,000,001 - $10,000,000                             0.60%

                    $10,000,001 and Above                            Customized

For Clients with at least $10,000,000 in assets under management, the starting point for the annual
investment advisory fee is 0.60% and is customized based on several factors, including but not limited
to: amount of assets under management, complexity of asset allocation, and the desire for investments
that require intensive due diligence (such as private investments, socially responsible investments, etc.).
The value of private investments we assist in placing our clients into is included in the total account
value our asset-based fee is calculated on.

The annual fees are negotiable, are pro-rated, and paid in advance on a quarterly basis. The advisory
fee is a blended tiered fee and is calculated by assessing the percentage rates using the predefined levels
of assets as shown in the above chart and applying the fee to the account value as of the last day of the
quarter. Zenith will not bill an amount above $1,200 more than 6 months in advance for investment
advisory or savings portfolio fees. No increase in the annual fee shall be effective without agreement
from the Client by signing a new agreement or amendment to their current advisory agreement.

Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check.
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the
amount of time remaining in the billing period. An account may be terminated with written notice at
least 30 calendar days in advance. Upon termination of the account, any unearned fee will be refunded
to the Client.

Advice on held away accounts is offered at no additional cost to Investment Management clients.

If Zenith utilizes an Outside Manager (described in Item 4 above), the above fee schedule does not
include the Outside Manager’s fee. The Outside Manager’s advisory fees, billing schedule, and payment
procedures are set forth in their separate written disclosure documents, advisory agreements, and/or
the account opening documents. At no point will the combined fee charged to the Client exceed 3% of
assets under management. There are no compensation differentials passed on to the Client when an
Outside Manager is used.

Direct Private Investments
Zenith will complete the work during a designated investment period. If no investment period is noted,
Zenith will complete the work described in six (6) months from the time an agreement is executed.
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Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth
individuals, small businesses, and charitable organizations.

Zenith does not have a minimum account size requirement, or any other requirements for opening or
maintaining an account.

Ethic (used for sub-advisory services) has a $250,000 minimum account size requirement.