AO Wealth Advisory LLC

ITEM 5 Fees and Compensation
Financial Planning and Consulting Services
As part of certain arrangements, AO Wealth will charge a monthly service fee that will not exceed $300 for
financial planning and consulting services. Under no circumstances will AO Wealth require prepayment of a
fee more than six months in advance and in excess of $1,200. Some project work will be quoted on a lump
sum basis depending on the complexity.

Investment Management Services
On an annualized basis, AO Wealth's current fees for portfolio management services will not exceed 1.50% of
the assets under management. All fees are negotiable and there are no account minimums. Our typical fee
schedule is as follows:

We shall provide the Services described in the Agreement for the Household Assets of the Client for an annual
fee based upon the following fee schedule:

                                Household Assets                         Quarterly Fee        Annualized Fee
                            $0.00 – $299,999.99                           0.3125%              1.25%
                            $300,000 – $749,999.99                        0.2875%              1.15%
                            $750,000 – $1,249,999.99                      0.2500%              1.00%
                            $1,250,000 – $2,499,999.99                    0.2250%              0.90%
                            $2,500,000 – $4,999,999.99                    0.1875%              0.75%
                            $5,000,000 – $9,999,999.99                    0.1500%              0.60%
                            $10,000,000 – $24,999,999.99                  0.1250%              0.50%
For purposes of this Agreement “Household Assets” means Assets under Management in Account(s) owned or controlled by Client.
Fees are charged quarterly, in advance, based upon the market value of the Household Assets, including cash, on the last day of the
previous quarter as valued by the Custodian. The initial fee will be calculated from the Effective Date of the Agreement or when the
Account(s) is initially funded if later, to the end of the quarter. Such fees shall become due and payable immediately.

Payment of Fees and Brokerage Costs
Clients’ assets are held with a qualified custodian that maintains those funds and securities in a separate
account for each client under that client's name. The typical fee for portfolio management services is billed
quarterly in advance based on the market value of the assets on the last day of the previous quarter.
Depending on the type of account the Adviser selects for the client, the fee may be assessed in arrears by
applying our fee schedule to the eligible accounts' average daily balance or to the ending period value as
valued by the Custodian. AO Wealth will either invoice the client directly for the advisory fees or the qualified
custodian holding the clients' funds and securities will debit the client account directly for the advisory fees,
the client may choose which method, although AO Wealth prefers to directly debit the fee from the account.
Where the client account is debited directly for the advisory fee, the client will provide written authorization
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permitting the fees to be paid directly from their account held by the qualified custodian. AO Wealth will not
have access to client funds for payment of fees without client consent that was provided to the custodian in
writing. Further, the qualified custodian agrees to deliver a quarterly account statement directly to the client.
The client is encouraged to review their account statements for accuracy. AO Wealth will receive a duplicate
copy of the statement that was delivered to the client. You may contact the custodian used by AO Wealth at:
Charles Schwab & Co., 2723 E Lincoln Drive, Phoenix, AZ 85016 or call 877-716-0852.

As fees are payable in advance, a refund would be prorated from the date of termination. The client, however,
will be responsible for any outstanding balance due to AO Wealth for services rendered.

Advice offered by AO Wealth may involve investment in mutual funds. Clients are hereby advised that all fees
paid to AO Wealth for investment advisory services are separate and distinct from the fees and expenses
charged by mutual funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. Further, there may be transaction charges involved with
purchasing or selling of securities. AO Wealth does not share in any portion of the brokerage fees/transaction
charges imposed by the custodian holding the client funds or securities. (See Brokerage Practices) The client
should review all fees charged by mutual funds, AO Wealth, and others, so that the total amount of fees to be
paid by the client are fully understood. Clients have the option to purchase investment products that AO
Wealth recommends through other brokers or agents that are not affiliated with AO Wealth.

ITEM 7 Types of Clients
AO Wealth manages individuals, retirement and profit sharing plans, corporations, trusts, and estates. There is
not a required minimum account size.