Accretive Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Advisory Services Fees

           Total Assets Under Management                  Annual Fee

                     All Assets                             1.00%

These fees are negotiable depending upon the needs of the client and complexity of the
situation, and the final fee schedule is attached as Exhibit II of the Investment Advisory
Contract. Fees are paid quarterly in arrears, and clients may terminate their contracts with
thirty days’ written notice.

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Lower fees for comparable services may be available from other sources.

Selection of Other Advisers Fees
AWM will direct clients to third party money managers. Clients will pay a separate fee to
the third party money managers. The fees will be disclosed in each contract between
AWM and the client and each third party adviser and the client. The combined fees will
not exceed any limit imposed by any regulatory agency. Fees will vary depending on the
third party adviser. Client should review the ADV Part 2A of the third party adviser for
additional information.

Financial Planning Fees

   Fixed Fees

   The rate for creating client financial plans is up to $10,000. The fees are negotiable and
   the final fee schedule will be attached as Exhibit II of the Financial Planning
   Agreement.

Pension Consulting Services Fees

The rate for pension consulting services is up to 1.00% of the plan assets for which AWM
is providing such consulting services. These fees are negotiable.

B. Payment of Fees

Payment of Investment Advisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid quarterly in arrears

Payment of Other Advisers’ Fees
Other Advisers’ fees are withdrawn directly from the client’s accounts with client written
authorization. Fees withdrawn will vary depending on the third-party adviser. Clients
should review the ADV Part 2A of the third-party adviser for additional information.

Payment of Financial Planning Fees

Fixed Financial Planning fees are Withdrawn directly from client account with client
written authorization. Fees are paid in arrears.

Payment of Pension Consulting Services Fees

Pension consulting fees are withdrawn directly from the client’s accounts with client’s
written authorization or may be invoiced and billed directly to the client and clients may
select the method in which they are billed. Fees are paid quarterly in arrears.

C. Clients Are Responsible For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, Platform fees, etc.). Those fees are
separate and distinct from the fees and expenses charged by AWM. Please see Item 12 of
this brochure regarding broker/custodian.

       D. Prepayment of Fees

       AWM collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither AWM nor its supervised persons accept any compensation for the sale of
       securities or other investment products, including asset-based sales charges or services
       fees from the sale of mutual funds.

Item 7: Types of Clients
AWM generally provides investment advice and management supervisory services to the
following types of clients:

          ❖   Individuals
          ❖   High-Net-Worth Individuals
          ❖   Small Businesses
          ❖   Corporate/Institutional Clients

Minimum Account Size
There is an account minimum, $500,000, which may be waived by the investment adviser, based
on the needs of the client and the complexity of the situation.