Arcadia Wealth Management Inc

Item 5 – Fees and Compensation
Arcadia is a fee-only advisor. In other words, Arcadia receives compensation exclusively from its clients, and does not receive
commissions of referral fees from any product or service providers.

A. Fees for Advisory Services
Wealth Management Services
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory
agreement. Arcadia's fees are based on a percentage of assets under management at the end of the prior calendar quarter. Investment
management service fees range from 0.50% to 2.00% annually based on several factors, including: the complexity of the services to be
provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives,
specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee.

The investment management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the
first quarter. Fees are negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate
assets under management with Advisor. All securities held in accounts managed by Arcadia will be independently valued by the
Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and
expenses described in Item 5.C below, which may be incurred by the Client.

Financial Planning Services
Financial planning services will be provided at an hourly rate of $250 per hour. An estimate for total hours will be determined prior to
engaging for these services.

Retirement Plan Advisory Services
Retirement plan advisory fees range up to 1.25%, and are paid quarterly, in advance or at the end of each calendar quarter, pursuant to
the terms of the retirement plan advisory agreement. Fees are based on the market value of assets in the plan on the last day of the
prior or current quarter. Fees are based on several factors, including: the complexity of the services to be provided, the level of assets
to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements,
portfolio restrictions and other complexities may be charged a higher fee. Fees may be negotiable depending on the size and
complexity of the Plan. Certain existing Clients may have fees that differ from the range above.

B. Fee Billing
Wealth Management Services
Fees are calculated in advance for the majority of Arcadia’s Client accounts based on the market value of the managed assets on the
last day of each Client billing quarter. The first quarterly fee will be the end of the third month after investment advisory or financial
planning services are provided to the Client. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to
the total assets under management with Arcadia at the end of the prior quarter. Clients will be provided with a statement, at least
quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is the responsibility of the Client to verify the
accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients
provide written authorization permitting Arcadia to be paid directly from their accounts held by the Custodian as part of the
investment advisory agreement and separate account forms provided by the Custodian.

Clients generally authorize the Custodian to debit the advisory fee from the account and pay it to Arcadia. Occasionally, Arcadia will
ask a Client to pay the fee directly. Arcadia will send the Client an invoice showing the amount of the fee, the value of the Client’s
assets on which the invoice was based, and the specific manner in which the advisory fee was calculated. Arcadia sends this invoice to
the Client at the same time as it sends the Custodian instructions to debit the Client’s account. The Custodian sends a statement to the
Client, at least quarterly, indicating any amounts disbursed from the account, including the amount of any advisory fee paid to
Arcadia.

Financial Planning Services
Financial planning fees are invoiced upon completion of the agreed upon deliverable[s].

Retirement Plan Advisory Services

Fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement
plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Arcadia, in connection with investments made on behalf
of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, as
applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's
account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian
typically charges for mutual funds and other types of investments. The fees charged by Arcadia are separate and distinct from these
custody and execution fees.

In addition, all fees paid to Arcadia for investment advisory services are separate and distinct from the expenses charged by mutual
funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and
expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody,
brokerage and account reporting), and a possible distribution fee. Generally, Clients may be able to invest in these products directly,
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Item 7 – Types of Clients
Arcadia offers investment advisory services to individuals, high net worth individuals, retirement plans, trusts, and estates. The
amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated
at least annually by the Advisor.

Arcadia’s ideal Clients are individuals and families with investment assets between $1 million to $10 million.

Arcadia generally requires a minimum account size of $500,000 in assets under management. Arcadia’s minimum account size is
negotiable at the Advisor’s sole discretion.