Ashwood Advisors LLC

Item 5: Fees and Compensation

We base our fees on hourly charges, fixed fees, and a percentage of assets under management,
which are described below.

Compensation – Financial Planning /Consulting
Financial Planning/Consulting fees will generally be charged on an hourly basis no more than
$500 per hour. Fees are due and payable as services are rendered.

Compensation – Wealth Management Services
Wealth Management fees are charged a fee as follows:

                      Assets Under Management                Annual Fee
                              $0- $49,999                       1.8125%
                          $50,000 to $499,999                   1.0625%
                         $500,000 to $999,999                   0.8125%
                        $1,000,000 to $3,000,000                0.5625%
                         $3,000,001 and above                 Negotiated

For example (based on quarterly billing period):
A client with $1,200,000 under management would pay $1,687.50 on a quarterly basis.

                 Assets Under Management           Quarterly fee     Annual Fee

                         $1,200,000                 $1,687.50         $6,750.00

At our discretion, client accounts from one household may be consolidated with client accounts
from other households to aggregate account values for fee calculations. The annual fee may
then be based on an aggregate value of all accounts within the combined household.

Fees are billed quarterly in arrears based on the amount of assets managed as of the close of
business on the last business day of the quarter, as further described below.

Account values in the Commonwealth reporting system will be used for our firm’s quarterly fee
calculations for advisory accounts custodied at National Financial Services (NFS). Although
account holdings and asset valuations should generally match, month-end market values
reflected in Commonwealth's Practice 360 reporting system sometimes differ from those
provided by NFS on their month-end statements. The three most common reasons why these
values may differ are (i) differences in the manner in which accrued interest is calculated, (ii)
differences in the date upon which "as of" dividends and capital gains are reported, and (iii)
differences in whether settlement date valuations or trade date valuations are used.
If you have any questions or believe there are material discrepancies between your NFS

custodial statement and Commonwealth's reporting system, please contact us. The
Commonwealth report valuations are available online via your Investor360 account or you may
request a copy from your advisory representative. If the account is established or closed during
the middle of a month, the client will pay a pro-rated portion of the fee based upon the number
of days the account was under the Firm’s management.

Calculation and Payment
The specific manner in which we charge fees is established in a client’s written agreement with
us. Clients may elect to be invoiced directly for fees or to authorize us to directly debit fees
from client accounts.

Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and
any earned, unpaid fees will be due and payable.

In no case will more than $1,200 be collected from the client more than 6 months in advance.

Other Fees
There are no additional types of fees or expenses that our clients pay in connection with the
delivery of advisory services.

Agreement Terms
Either party may terminate an agreement at any time by notifying the other in writing. If the
client made an advance payment, we would refund any unearned portion of the advance
payment.

If the client made a payment in arrears, we would collect any earned yet unpaid fees.

Cash Balances
Some of your assets may be held as cash and remain uninvested. Holding a portion of your
assets in cash and cash alternatives, i.e., money market fund shares, may be based on your
desire to have an allocation to cash as an asset class, to support a phased market entrance
strategy, to facilitate transaction execution, to have available funds for withdrawal needs or to
pay fees or to provide for asset protection during periods of volatile market conditions. Your
cash and cash equivalents will be subject to our investment advisory fees unless otherwise
agreed upon. You may experience negative performance on the cash portion of your portfolio if
the investment advisory fees charged are higher than the returns you receive from your cash.

Retirement Plan Rollover Recommendations
As part of our investment advisory services to our clients, we may recommend that clients roll
assets from their employer’s retirement plan, such as a 401(k), 457, or ERISA 403(b) account
(collectively, a “Plan Account”), to an individual retirement account, such as a SIMPLE IRA, SEP
IRA, Traditional IRA, or Roth IRA (collectively, an “IRA Account”) that we will advise on the
client’s behalf. We may also recommend rollovers from IRA Accounts to Plan Accounts, from
Plan Accounts to Plan Accounts, and from IRA Accounts to IRA Accounts.

If the client elects to roll the assets to an IRA that is subject to our advisement, we will charge
the client an asset-based fee as set forth in the advisory agreement the client executed with our
firm. This creates a conflict of interest because it creates a financial incentive for our firm to
recommend the rollover to the client (i.e., receipt of additional fee-based compensation).
Clients are under no obligation, contractually or otherwise, to complete the rollover. Moreover,
if clients do complete the rollover, clients are under no obligation to have the assets in an IRA
advised on by our firm. Due to the foregoing conflict of interest, when we make rollover
recommendations, we operate under a special rule that requires us to act in our clients’ best
interests and not put our interests ahead of our clients.’

Under this special rule’s provisions, we must:
...

Types of Clients
We provide services to individuals, high net worth individuals, and small businesses.

Account Minimums
We have a minimum account size of $250,000. We may group certain related client accounts
for the purposes of achieving the minimum account size and determining the annualized fee.
Accounts below these minimums may be accepted on an individual basis at our discretion. Such
circumstances may include, but not be limited to, 1) additional assets will soon be deposited or
2) the client has other accounts with the Firm.