AMJ Financial Wealth Management LLC

Item 5: Fees and Compensation

        Fee Schedule
        Advisory Services Fees
        Strategic Asset Allocation Strategy – Exchange Traded Fund and Mutual Fund Based

                   Total Assets Under Management                Annual Fee

                           Under $250,000                          1.5%

                         $250,000 - $499,999                      1.45%

                         $500,000 - $749,999                      1.25%

                         $750,000 - $999,999                      1.15%

                       $1,000,000 - $1,999,999                    1.00%

AMJ Financial – ADV 2A Brochure

                   Total Assets Under Management                 Annual Fee

                       $2,000,0000 - $4,999,999                    0.90%

                        $5,000,000 and Above                     Negotiable

          Dynamic Asset Allocation Strategy – Stocks Based & Dynamic Yield Based

                   Total Assets Under Management                 Annual Fee

                         $250,000 - $399,999                       1.65%

                         $400,000 - $599,999                       1.50%

                          $600,00 - $999,999                       1.40%

                       $1,000,000 - $1,999,999                     1.30%

                       $2,000,0000 - $4,999,999                    1.15%

                        $5,000,000 and Above                     Negotiable

        These advisory fees are negotiable depending upon the needs of the client and complexity
        of the situation and the final advisory fee schedule is attached as Exhibit I of the
        Investment Advisory Contract. The fees for advisory services are based on an annual
        percentage of assets under management and are applied to the account asset value billed
        monthly in advance. Advisory fee billing commences on the first full month of our
        management. The advisory fees will be based on the market value of the account(s) on
        the previous month’s last business day as reported by the Custodian. Advisory fees are
        assessed on all assets under management, including securities, cash and money market
        balances, unless otherwise excluded. Our employees and their family-related accounts
        are charged a reduced advisory fee for our services.

        The independent qualified custodian holding your funds and securities will debit your
        account directly for the advisory fee and pay that fee to us. AMJ instructs the custodian to
        deduct fees from the client’s account. You will provide written authorization via the
        Investment Advisory Contact permitting the advisory fees to be paid directly from your
        account held by the qualified custodian. Further, the qualified custodian agrees to deliver
        an account statement at least quarterly directly to you, indicating all the amounts
        deducted from the account including our advisory fees. You are encouraged to review
        your account statements for accuracy.        Although not our normal practice, we do
        accommodate direct billing for a few clients.

        In addition, some mutual fund assets deposited in the account may have been subject to
        deferred sales charges and 12(b)(1) fees and other mutual fund annual expenses as
        described in the fund’s prospectus. These fees are independent of our fees and should be
        disclosed by the custodian or contained in each fund’s prospectus. You should also note
AMJ Financial – ADV 2A Brochure

        that fees for comparable services vary and lower fees for comparable services may be
        available from other sources.

        Either AMJ or you may terminate the management agreement immediately upon written
        notice to the other party. If termination occurs, advisory fees that are collected in advance
        will be refunded based on the prorated amount of work completed up to the day of
        termination within the month terminated. Upon termination, you are responsible for
        monitoring the securities in your account, and we will have no further obligation to act or
        advise with respect to those assets.

        AMJ is responsible for calculating the advisory fee and delivering instructions to the
        custodian. At the same time AMJ instructs the custodian to deduct advisory fees from the
        client’s account. Although not our normal practice, we do accommodate direct billing for
        a few clients.

        Financial Planning Fees
        For those clients not engaged in our Wrap Fee Program, financial planning services can
        be offered separately. Fees are defined below.

        Fixed Fees
        Depending upon the complexity of the situation and the needs of the client, the fee range
        for creating client financial plans is $1,000 to $10,000. A client pays 50% in advance in two
        installments and the remaining balance paid upon completion of the plan. The fees are
        negotiable and the final fee schedule will be attached as Exhibit A of the Financial
        Planning Agreement. Clients may terminate their contracts without penalty within five
        business days of signing the planning contract.

        If a client terminates the Agreement, the fee refunded will be the balance of the fees
        collected in advance minus the hourly rate of $250 - $500 times the number of hours of
        work that has been completed up to and including the day of termination.

        We will not require prepayment of more than $1,200 in fees per client, six (6) or more
        months in advance of providing any services.

        Hourly Fees
        The hourly fee for these services is up to $500. The fees are negotiable and the final fee
        schedule will be attached as Exhibit A of the Financial Planning Agreement. Hourly
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Item 7: Types of Clients

        AMJ generally provides advisory services to the following types of clients:

            §   Individuals
            §   High-Net-Worth Individuals
            §   Pension/Profit Sharing Plans
            §   Institutions
            §   Charitable Organizations
            §   Estates
            §   Trusts
            §   Foundations
            §   Partnerships
            §   Retirement Plans

        Minimum Account Size
        There is an account minimum, $250,000, which can be waived by the investment advisor
        at its discretion, based on the needs of the client and the complexity of the situation.

AMJ Financial – ADV 2A Brochure