Almega Wealth Management LLC

ITEM 5 – FEES AND COMPENSATION
Fees will be charged quarterly in advance based on the value of the client’s account(s), as determined by the
custodian, as of the last day of the previous quarter. For partial quarters, fees are prorated based on the
number of days remaining in the quarter.

Cash and assets that are invested in mutual funds, money market funds and other cash instruments, individual
securities, ETFs, annuities we manage, options, and any other security held by the custodian shall be included
in the calculation of the value of the client’s assets under management with us for the purposes of computing
our fee. Held-away assets that the client has requested we manage as part of our service offerings will also be
included in this calculation.

Unless other arrangements are made, fees are directly debited from a client's account(s); each client is
required to provide the qualified custodian of each account with written authorization to deduct the fees
described. Clients may terminate the relationship at any time with written notice. All unearned fees will be

                           Part 2A of Form ADV: Almega Wealth Management LLC

refunded to the date the termination notice is made. Almega will generally provide 30 days’ notice to the
client if we terminate the relationship; we reserve the right to do so for any reason.

The various custodians charge fees and/or commissions for their services; these fees are paid by the client in
addition to the fees charged by Almega. These fees and/or commissions may include mutual fund trade ticket
charges, equity trading commissions, option trading commissions, account fees, margin interest, and other
account-level fees and charges.

The custodian sends the client a statement, at least quarterly, indicating the amount of our fees and all
amounts disbursed from the account to Almega for our fees. The client is encouraged to verify the accuracy of
the fee calculation, as the custodian will not verify the calculation. Payment of fees may result in the
liquidation of the client's securities if there is insufficient cash in the client's account(s).

Clients will not receive a monthly account statement from Almega; custodians are responsible for providing
clients with monthly account statements. Almega provides clients with a quarterly performance report which
includes a fee invoice. The client is encouraged to verify that the assets under management reported in the
quarterly performance report and fee invoice match the values of the accounts reported by their custodians.

Asset-based fees are always subject to the management agreement between the client and Almega, and we
generally retain the right to amend our fee schedule with written agreement by the client.

Clients should be aware that similar advisory services may or may not be available from other investment
advisors for equal or lower fees.

Almega Wealth Management generally requires a minimum portfolio size of $1,000,000 and a minimum
investment advisory annual fee of $10,000. In certain circumstances, we may waive this minimum based on
the individual client’s circumstances, for family members of clients, and for clients referred to us.

Although, Almega has established the fee schedules below, we may negotiate lower fee schedules depending
on the size of the account, type of account, the type of investment management style, the level of client
service required, and other factors we consider relevant.

Fees for Private Wealth Management and Family Wealth Management

Almega’s fee for our Private Wealth Management and Family Wealth Management will be charged as a
percentage of a client’s and their family’s aggregate assets under management with us according to the
following schedule:

       Private Wealth Management – AUM                     Annual Fee Rate
       First $5,000,000                                    1.00%
       Next $5,000,000                                     0.50%
       $10,000,001 and above                               0.25%

The specific annual fee charged to the client will be set forth and identified in an agreement between Almega
and that client.

                           Part 2A of Form ADV: Almega Wealth Management LLC

If the client requests or requires a customized active investment advisory service, instead of the passive
investment advisory service included in our Private Wealth Management Service offering, for any account(s),
Almega may charge an AUM fee up to +1.0% higher than quoted in the above table for the specific account(s)
utilizing an active investment advisory service. Customized active investment advisory services are not
available to clients who select our Ramsey SmartVestor Service offering.

Private Wealth Management and Family Wealth Management clients whose assets under management
(excluding cash management and 529 plans) fall below $500,000 may be charged an additional 0.10%.

Fees for Cash Management Services

Cash Management Services will be charged as a percentage of the value of the cash management account(s)
us according to the following schedule:

       Cash Management – AUM                                 Annual Fee Rate
       $0.01 and above                                       0.10%

Almega Wealth Management provides its Cash Management Service to clients utilizing our Private Wealth
Management service and Family Wealth Management service on a complimentary basis. However, clients
whose total assets under management (excluding Cash Management and 529 plans) fall below $1 million may
be charged a fee for our Cash Management Services. Cash Management Services are generally not offered to
clients who utilize our Ramsey SmartVestor Service offering.

Fees for Tax Return Preparation Services

Fees for tax return preparation services are billed directly to the client by Almega Tax LLC.

Private Wealth Management clients with investable assets under management (excluding Cash Management
...

ITEM 7 – TYPES OF CLIENTS
Almega primarily offers its services to individuals, high-net-worth individuals, small businesses, charitable
organizations, retirement plans, guardianships, conservatorships, estates, and trusts.

Almega does not have any established or stated minimum account requirements. Almega evaluates all client
relationships on a case-by-case basis to determine whether Almega can provide value to the client. If, in our
analysis of the client’s situation, Almega does not feel it can provide value to the client, we will advise the
client as to why and recommend an alternative advisory firm.