Acacia Grove Wealth Management LLC

Item 5 Fees and Compensation

Investment Advisory Service Fees
Pursuant to an investment advisory contract signed by each client, the client will pay
Acacia Grove an annual management fee, payable quarterly in arrears, based on the
average daily balance of the account. New account fees will be prorated from the
inception of the account to the end of the first quarter.

Assets Under Management:            Annual Fee:
First $500,000                      1.25 %
Next $500,000                       0.85 %
Next $1 million                     0.75 %
Next $1 million                     0.65 %
Next $1 million                     0.55%
Over $4 million                     0.45%

Fees will be calculated on a blended tier schedule. For example, a $3,500,000 account fee
would be calculated quarterly as follows: ($500,000 x 1.25%) + ($500,000 x 0.85%) + ($1
million x 0.75%) + ($1 million x 0.65%) + ($500,000 x 0.55%) = ($6,250 + $4,250 + $7,500
+ $6,500 + $2,750) = $27,250 / 4 quarters = $6,812.50.

These fees may be negotiated at the sole discretion of the Advisor. Asset management
fees will be directly deducted from the client account on a quarterly basis by the qualified
custodian. The client will give written authorization permitting the Advisor to be paid
directly from their account held by the custodian. The custodian will send a statement at
least quarterly to the client.

Financial Planning and Investment Consulting Services Hourly Fee
Some clients will contract to have project based financial planning or investment
consulting services provided based on an hourly fee. The Advisor’s hourly fee will be
billed at a rate of $300 per hour and will be negotiated and agreed upon by the parties in
advance. Hourly fee-based clients are billed one half of the fee at the time of signing the
agreement with the Advisor and the other one half upon delivery of the financial plan or
written report to the client. If the final fee is not paid by the client at the delivery of the

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financial plan or written report, the client is required to pay the fee within five days of
delivery of the financial plan or written report. The fee will be based upon the anticipated
number of hours it will take to complete the financial plan or investment consulting
services project. If the client terminates the agreement with the Advisor prior to the
Advisor's completion of the financial plan or project, any fees due the Advisor will be
invoiced to the client and payable within five days of delivery of the invoice.

Acacia Grove’s investment advisory service fee will include all costs charged by the
executing broker-dealer and they will be paid by the Advisor. This method is typically
characterized as a “wrap fee,” where the management fee includes the investment
advisory services as well as all transaction costs and the client pays only that management
fee and no other costs concerning the trading of the account. Generally, clients in wrap
fee accounts, with the transaction and custody costs included, will pay a slightly higher
management fee than in non-wrap accounts, where those costs are not included in the
fee. However, clients in a non-wrap account will pay the management fee solely for
advisory services and will also directly pay any transaction costs assessed by the executing
broker-dealer, such as commissions and transaction fees.

All investment advisory service clients will be placed in a wrap fee account. However,
Acacia Grove does not increase its fees to account for its payment of transaction related
costs on behalf of the client. The specific arrangement for each client will be negotiated
and defined in the investment advisory contract signed by each client, and no advisory
fee will exceed the maximum management fees noted above.

Acacia Grove’s wrap fee program includes investment advisory services and the brokerage
services provided by Altruist Corp. (“Altruist”), a broker-dealer registered with the U.S.
Securities and Exchange Commission and a member of FINRA and SIPC. Acacia Grove is
independently owned and operated and not affiliated with Altruist. Altruist will act solely
as a broker-dealer and not as an investment advisor to Acacia Grove’s clients. In addition
to compensating Acacia Grove for advisory services, the wrap fee that clients pay allows
Acacia Grove to pay for brokerage and execution services provided by Altruist. Acacia
Grove does not charge clients a higher advisory fee based on account trading activity and
may pay Altruist transaction costs for certain executed securities transactions in wrap fee
accounts. As a result, Acacia Grove may have a financial incentive to limit orders for wrap
fee accounts because some transactions will increase the Advisor’s transaction costs.
Thus, an incentive exists to trade less frequently in a wrap fee program.

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When managing a client’s account on a wrap fee basis, Acacia Grove receives as
compensation for its investment advisory services the balance of the total wrap program
fee the client pays after any custodial, trading, and other management costs (including
execution and transaction fees) have been deducted. Accordingly, Acacia Grove may have
a conflict of interest because it has a financial incentive to maximize its compensation by
seeking to reduce or minimize the total costs incurred in client accounts subject to the
wrap fee.

Acacia Grove’s wrap fee does not cover all fees and costs. All fees paid to Acacia Grove
for investment advisory services are separate and distinct from the expenses charged by
mutual funds to their shareholders. These fees and expenses are described in each fund’s
prospectus. The fees not included in the wrap fee include charges imposed directly by a
mutual fund, index fund, or ETF, which shall be disclosed in the fund’s prospectus (i.e.,
fund management fees and other fund expenses); mark-ups and mark-downs; spreads
...

Item 7 Types of Clients

The Advisor will offer its services to individuals, trusts, estates, or charitable organizations,
corporations, and other business entities.

The Advisor’s cumulative minimum account requirement for opening and maintaining an
account is $1,500,000. However, based on facts and circumstances the Advisor may, at its
sole discretion, accept accounts with a lower value.