1 North Wealth Services LLC

item 5: fees and compensation
INVESTMENT MANAGEMENT FEES
1NWS charges advisory fees for discretionary account management based on a percentage of the market value of the
account assets at the end of each quarter and billed in arrears, as follows:

Total Managed Portfolio Assets                 Percentage Charged
up to $500,000.00                              1.15% per annum (0.2875% per quarter)
                                               minimum fee: $625 per quarter
From $500,000.01 to $1,000,000.00              0.80% per annum (0.20% per quarter)
From $1,000,000.01 +                           0.60% per annum (0.15% per quarter)

Unless otherwise noted by Agreement, the fees will be billed directly to your account(s). Any contributions and/or
distributions of $2,500 or less during the billing period will not be included in the fee calculation. Please Note: The
$2,500 transaction threshold will not apply to account(s) terminated during billing period.

Please Note: The above fee schedule is cumulative. A fee of 1.15% per annum is charged on the first $500,000 under
management, then 0.80% on the next $500,000, and 0.60% on all additional amounts.

1NWS, in its sole discretion, may waive its $500,000 client aggregate minimum for investment management services,
charge a lesser investment advisory fee, and/or charge a flat fee based upon certain criteria (i.e., anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account
composition, competition, negotiations with client, etc.). Please Note: As a result of the above, similarly situated clients
could pay different fees. In addition, similar advisory services may be available from other investment advisers for
similar or lower fees. Please Also Note: If a client maintains less than $500,000 under 1NWS’ management, and is
subject to the $625 minimum quarterly fee, the client will pay a higher percentage quarterly fee than the annual
percentage fee referenced in the fee schedule above. Please Note: Cash Positions: 1NWS treats cash as an asset

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class. As such, all cash positions (money markets, etc.) shall be included as part of assets under management for
purposes of calculating 1NWS’ advisory fee.

All fees are subject to negotiation. Related accounts may be combined to reduce the fee charged. 1NWS reserves
the right to reduce or waive the fee charged on employee, family, or other firm-related accounts. The specific manner
in which fees are charged is established in your written Agreement with us. 1NWS will generally bill its fees in arrears
on a quarterly basis. You may elect to be billed for fees or to authorize us to debit fees directly from your account(s).
1NWS prorates the fees due for accounts initiated or terminated during calendar quarter. You have the right to
terminate an Agreement without penalty within five (5) business days after entering into the Agreement.

Fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses. You may incur
additional charges imposed by custodians, brokers, and other third-party service providers. These may include
custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and
other fees and taxes on brokerage accounts and securities transactions. Complete descriptions of these fees are
contained in the separate agreements and/or ADV Brochures of the relevant managers or administrators.

1NWS is a fee-only advisory firm that does not sell investment products for commissions. 1NWS recommends only
no- and low-load mutual funds and ETFs as well as direct equities. You should be aware that these funds charge
internal management fees, which are disclosed in the fund prospectus. Clients owning variable annuities should also
be aware of Mortality and Expense fees charged by these investments and disclosed in the annuity prospectus. Certain
mutual funds and variable annuities may charge contingent deferred sales charges (CDSC) on withdrawals. These
charges, fees, and commissions are exclusive of and in addition to 1NWS’ fee, and we do not receive any portion of
these commissions, fees, or costs.

See Brokerage Practices, which further describes the factors that 1NWS considers in selecting or recommending
broker-dealers for client transactions and determining the reasonableness of their compensation (i.e., commission).
ANY QUESTIONS: 1NWS’ Chief Compliance Officer, James Brennan, CFP, remains available to address any
questions that a client or prospective client may have regarding fees.

FINANCIAL PLANNING FEES
1NWS offers financial planning services either on an hourly basis for clients with an immediate rather than on-going
need, or on a flat fee basis for on-going service. You select the level of service required based on your current need
for financial guidance. Fees currently range from $400 hourly to $3,200 annually for project or more comprehensive
planning, depending on the level of service required, and are negotiable.

The fee for financial planning services does not include active asset management, discussed under Investment
Management Fees.

FEES FOR OTHER SERVICES
Unless part of a more comprehensive financial plan, fees for other services are based on an hourly rate of $400.00 per
hour, or for on-going services, a predetermined flat fee paid quarterly. For example:
    ▪     Consultations (other than the complementary initial consultation)
    ▪     Non-discretionary investment management
    ▪     Existing assets outside 1NWS’ management analysis
    ▪     Estate administration assistance
    ▪     Retirement and education funding projections

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item 7: types of clients
1NWS primarily provides investment management and financial planning to individuals, closely-held corporations,
retirement plans, estates, trusts, and Charitable Foundations.

There is no minimum portfolio asset value imposed upon clients of financial planning services. For discretionary asset
management, the minimum new client investment in the Discretionary Management Account Program is $500,000.00.
There is no minimum account size restriction, and the minimum fee is waived for Employee Plan 401(k) Participant
accounts.

1NWS, in its sole discretion, may waive its $500,000 client aggregate minimum for investment management services,
charge a lesser investment advisory fee, and/or charge a flat fee based upon certain criteria (i.e., anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account
composition, competition, negotiations with client, etc.). Please Note: As a result of the above, similarly situated clients
could pay different fees. In addition, similar advisory services may be available from other investment advisers for
similar or lower fees. Please Also Note: If a client maintains less than $500,000 under 1NWS’ management, and is
subject to the $625 minimum quarterly fee, the client will pay a higher percentage quarterly fee than the annual
percentage fee referenced in the fee schedule above. ANY QUESTIONS: 1NWS’ Chief Compliance Officer, James
Brennan, CFP, remains available to address any questions that a client or prospective client may have
regarding fees.