Atwater Wealth Management Inc

Item 5 – Fees and Compensation

The specific way fees are charged by the firm is established in a client’s written agreement and
account application between the client and AWM and is based on the following fee schedule.

Fee Schedule:

        Account Balance                              Annual Advisory Fee%
        First $1,000,000.00                                1.00%
        Next $1,000,001.00 - $5,000,000.00                 0.85%
        Next $5,000,001.00 - $10,000,000.00                0.65%
        Next $10,000,001.00 +                              0.45%

Our fees are payable quarterly, in advance. Fees are calculated based on the quarter end balance
of the portfolio, as determined by the custodian, at the end of the previous quarter. We will
generate invoices for all investment advisory clients on a quarterly basis. Each invoice reflects
the amount to be debited by the custodian and paid to us for the upcoming quarter’s investment
advisory fee, per the Account Agreement signed by the client at the inception of the agreement.
Our clients authorize the account custodian to debit their client account for our investment
advisory fee. At the inception of the relationship and each quarter thereafter, we will notify your
custodian of the amount of the fee due and payable to us through our fee schedule and contract.
The custodian does not validate or check our fee, its calculation, or the assets on which the fee
is based. The custodian will “deduct” the fee from your account(s) or, if you have more than one
account, from the account you have designated to pay our advisory fees.

Fees may be negotiable based on previous relationships and other factors, such as aggregate
level of assets with our firm, anticipated future earnings capacity at our firm, anticipated future
additional assets at our firm, account composition at our firm, negotiations with the client, etc.
Therefore, clients with similar assets under management and investment objectives may pay
higher or lower fees than other clients. No increase in our fee(s) shall be effective without prior
written notification to clients of at least thirty (30) days.

Firm Brochure ADV Part 2A

Each quarter you will receive a statement directly from your custodian showing all transactions,
positions, and credits/debits into or from your account; the statements after the quarter-end will
reflect these transactions, including the advisory fee paid by you to us.

In some instances, we and the client may agree on a fee schedule different from that set forth
above.

The Account Agreement may be terminated at any time upon notice by either party. Fees paid in
advance will be prorated to the date of termination and any unearned portion of the fee will be
refunded to the client.

Fees for consulting and financial planning services are charged on an hourly or fixed fee basis.
The maximum hourly fee to be charged to any client will not exceed $500. Fixed fees range from
$2,500.00 to $10,000.00. Fees for such services are negotiable. Fees are due upon execution of
an Agreement with AWM, and we will deliver the financial plan and services within the first six
months. The client generally makes a check payable to AWM for consulting and financial planning
services. The total estimated fee, as well as the ultimate fee charged, is based on the scope and
complexity of the engagement. AWM is not under any obligation to repay any portion of the fees
paid prior to the termination of this agreement. Lower fees for comparable services may be
available from other sources.

Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses which shall be incurred by the client. Clients may incur certain charges imposed by
custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer
and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and exchange traded funds also charge internal management fees,
which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of
and in addition to Atwater’s fee, and we do not receive any portion of these fees and costs.

Item 7 – Types of Clients

AWM provides investment advice to individuals and high net worth individuals.

We ordinarily require a minimum of $2,000,000 in manageable assets to open and maintain an
account. Exceptions may be made under certain circumstances (e.g., for related accounts and
for the accounts of our personnel and their family members).