Arnold Financial Planning LLC

Item 5 Fees and Compensation

  Description

     Wealth Management Fee: AMWM’s Wealth Management fee is a flat annual amount based
     on the client’s needs and goals. The annual fees are paid in arrears on a quarterly basis.

     Our flat fee for Wealth Management services ranges between $12,000 (for individuals) and
     $13,600 (for couples) per year but may be more or less depending on the complexity of the
     client’s situation. On an annual basis, AMWM will recalculate AMWM’s fee to take into
     consideration various factors such as overall services provided and client complexity. Client
     fees may remain unchanged or there may be an increase. Should there be a change to the
     annual fee, any current fee shall continue for thirty (30) days after AMWM has notified Client
     in writing of any change in the fee. Thirty (30) days from the sending of the written notice the
     new fee will become effective unless Client notifies AMWM in writing to terminate the

     Agreement.

     Fees may be negotiable under some circumstances and some fees may vary by Client for
     similar services. In determining the scope and complexity of client’s needs and thereby the
     annual fee, factors AMWM considers are: historical relationship, types of assets, anticipated
     future earning capacity, anticipated future additional assets, dollar amounts of assets to be
     managed, related accounts, account composition, the level of support provided, and such other
     factors as AMWM deems relevant.

     Financial Planning Engagement Fee: For AMWM’s financial planning services, the firm
     charges a fixed fee based on the scope and complexity of the services requested or needed that
     is identified and agreed to before performing any services. The fixed fee is up to $10,000 per
     year and is due pro-rata monthly or quarterly, in arrears.

     In certain cases, we may charge an hourly fee for ad-hoc Financial Planning engagements.
     Our hourly rate is $300. Fees are negotiable and the final agreed upon fee will be outlined in
     your Advisory Contract. Fees are due upon completion of the services.

  Fee Billing

     Wealth Management fees are billed quarterly in arrears – clients are invoiced after the three-
     month billing period has ended. Unless otherwise arranged, fees are deducted from designated
     client accounts. Direct debiting of a client’s investment account can only occur with the
     client’s authorization in advance.

     Financial Planning fees are billed monthly or quarterly in arrears with an invoice. These fees
     are paid by check or debiting via ACH.

Other Fees

     Because the state of Iowa requires levying sales tax on our services to clients, the advisory
     fees are subject to Iowa sales tax which will be outlined in your invoice. This is separate and
     apart of AMWM’s fees. AMWM remits these taxes directly to the state of Iowa. Sales tax
     rates change periodically based on government action.

     Custodians may charge transaction fees on purchases or sales of certain mutual funds or
     exchange-traded funds. Transaction fees are paid to the custodian and are not paid directly or
     indirectly to AMWM. Fund companies charge each fund shareholder an investment
     management fee that is disclosed in the fund prospectus. AMWM does not receive any fees
     or any other remuneration from the fund companies or Schwab.

 Past Due Accounts and Termination of Agreement

     In most cases, services of the Firm are performed prior to payment, but in the unusual event

    a client makes an advance payment, AMWM will refund any unearned portion of a fee
    payment within 15 days of the date of termination of an agreement.

    For Wealth Management engagements, fees at termination will be billed on a pro rata basis
    for the portion of the quarter completed. The quarterly fee is prorated for the number of days
    during the billing quarter prior to termination. There is no termination fee.

    For Financial Planning engagements, fees at termination will be billed through the current
    month via final invoice. There is no termination fee.

Item 7 Types of Clients

 Description

    Arnold & Mote Wealth Management provides financial planning and investment management
    services to individuals, trusts, estates, and business entities.
    Client relationships vary in scope and length of service.

 Account Minimums

    We do not require a minimum size of account for Wealth Management services.