4J Wealth Management LLC

Item 5: Fees & Compensation

Except for the initial financial planning engagement, as discussed below, the Firm is compensated for
its investment advisory services on a percentage of assets under management basis. Fixed fee services
are no longer available to new clients. Legacy clients already engaged under a fixed fee arrangement
may continue such services, subject to the terms described below.

Legacy Fixed Fee Services generally involve static asset allocation portfolios comprised of mutual
funds and exchange-traded funds, as determined by the Firm. This service is generally more
appropriate for clients who do not require customized investment management, do not seek to impose
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account-related restrictions, do not maintain or seek to maintain individual equities (other than ETFs),
and are generally content with one meeting per year. The annual fee is prorated and paid in equal
quarterly advance installments. The annual fee is subject to intra-year adjustment in the event that the
client adds or withdraws more than 15 percent of the starting asset balance, or opens a new account.
No increase in the annual fee will be effective without prior written notification to the client. Legacy
clients may elect to convert from a fixed fee arrangement to a percentage of assets under management
arrangement. However, once converted, the client may not return to a fixed fee arrangement.

        Percentage of Assets under Management-the annual fee is determined quarterly, in advance,
        based upon the market value of such assets on the last day of the previous quarter. The Firm’s
        policy is to treat intra-quarter account additions and withdrawals equally. Unless Registrant
        agrees otherwise, in writing, Registrant shall debit the account directly for its advisory fee. In the
        event of termination, Registrant shall refund any unearned portion of the advanced fee paid based
        upon the number of days remaining in the billing quarter.

Please Note-Accrued Interest/Dividends: The market value reflected on periodic account statements
issued by the account custodian may differ from the value used by Registrant for its advisory fee
billing process. Registrant includes the accrued value of certain month or quarter-end interest and/or
dividend payments when calculating client advisory fees, which amounts may not yet be reflected on the
custodian statement as having been received by the account.

Please Note: Fee Differentials. Registrant shall generally price its advisory services based upon various
objective and subjective factors. As a result, our clients could pay diverse fees based upon the type,
amount and market value of their assets, the anticipated complexity of the engagement, the anticipated
level and scope of the overall investment advisory and financial planning/ consulting services to be
rendered. Additional factors effecting pricing can include related accounts, employee accounts,
competition, and negotiations. Please Also Note: As a result of these objective and subjective factors,
similarly situated clients could pay diverse fees, and the services to be provided by Registrant to any
particular client could be available from other advisers at lower fees. All clients and prospective clients
should be guided accordingly. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Joshua Goulding,
remains available to address any questions regarding advisory fees.

Retirement Plan Consulting: Our Retirement Plan Consulting services are billed on the percentage of Plan
assets under management. The total estimated fee, as well as the ultimate fee charged, is based on the
scope and complexity of our engagement with the client. Fees will not exceed 1.00%. The fee-paying
arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting
agreement.
Educational Seminars Fees
Educational Seminars will cost $49 per household and the fees will be collected by check.

Other Types of Fees & Expenses
Clients will incur transaction fees for trades executed by their chosen custodian via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be
disclosed by the chosen custodian. Clients may also pay holdings charges imposed by the chosen
custodian for certain investments, charges imposed directly by a mutual fund, index fund, or exchange
traded fund, which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or
deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees,
IRA and qualified retirement plan fees, and other fund expenses), mark-ups and mark- downs, spreads
paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees
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and taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of
these fees.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Asset Management and
Comprehensive Portfolio Management services in writing at any time. Upon notice of termination our
firm will process a pro-rata refund of the unearned portion of the advisory fees charged in advance.

Financial Planning & Consulting clients may terminate their agreement at any time before the delivery
of a financial plan by providing written notice. For purposes of calculating refunds, all work performed
by us up to the point of termination shall be calculated at the hourly fee currently in effect. Clients will
receive a pro-rata refund of unearned fees based on the time and effort expended by our firm.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing written
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Item 7: Types of Clients & Account Requirements

Registrant’s clients are primarily individuals. The Registrant does not impose an asset or advisory fee
 minimum. As indicated above, the Registrant shall generally price its advisory services based upon
 various objective and subjective factors. As a result, our clients could pay diverse fees based upon the
 type, amount and market value of their assets, the anticipated complexity of the engagement, the
 anticipated level and scope of the overall investment advisory and financial planning/ consulting
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services to be rendered. Additional factors effecting pricing can include related accounts, employee
accounts, competition, and negotiations. Please Also Note: As a result of these objective and subjective
factors, similarly situated clients could pay diverse fees, and the services to be provided by Registrant
to any particular client could be available from other advisers at lower fees. All clients and prospective
clients should be guided accordingly. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Joshua
Goulding, remains available to address any questions regarding advisory fees,