Bellars Harris Wealth Management LLC

Item 5 - Fees and Compensation

BHWM charges fees based on a percentage of assets under management as well as fixed fees, depending
on the particular types of services to be provided. The specific fees charged by BHWM for services provided
will be set forth in each client’s agreement.

     A. Financial Planning and Investment Management Services

Fees for Investment Management Services
In providing investment management services pursuant to the BHWM Wrap Fee Program, BHWM charges
an annual investment management services fee that is agreed upon with each client and set forth in an
agreement executed by BHWM and the client. The BHWM Wrap Fee Program investment management
services fee shall be paid quarterly, in advance, based on the asset value of the client’s accounts as of the
last business day of the prior quarter. The BHWM Wrap Fee Program investment management fees for the
initial quarter shall be paid in arrears, on a pro rata basis, based on the value of the client’s accounts as of
the last business day of that initial quarter.

For purposes of BHWM Wrap Fee Program investment management services fee calculation, BHWM
utilizes third party sources, such as pricing services, custodians, fund administrators, and client-provided
sources. For purposes of fee calculation, the asset value of BHWM Wrap Fee Program client accounts
includes cash and cash equivalents, as well as margined securities. BHWM does not reduce BHWM Wrap
Fee Program investment management fees for margin borrowing, regardless of whether the assets are in
cash or other securities. BHWM has a financial incentive to recommend that clients borrow money for the
purchase of additional securities for the client’s BHWM Wrap Fee Program account managed by BHWM
or otherwise not liquidate some or all the assets BHWM manages. BHWM addresses this conflict of interest
through this disclosure and is working to ensure that any recommendation to a client regarding the use of
margin is suitable for the client.

The annual BHWM Wrap Fee Program investment management services fee ranges up to 1.50%.

Bellars Harris Wealth Management                                            Disclosure Brochure

Advisory fees for held-away accounts are calculated based on the value of the assets under management in
such accounts, using the same fee schedule and billing frequency applicable to other managed assets, unless
otherwise disclosed.

Because certain employer-sponsored retirement plans do not permit direct deduction of advisory fees,
clients authorize BHWM to deduct the advisory fee attributable to held-away accounts from one or more
other accounts managed by BHWM, such as a taxable brokerage account or individual retirement account.

Estate planning, coordination services and access to third-party technology platforms may be included as
part of BHWM’s advisory fee or family office service offering. Clients do not pay BHWM a separate fee
for use of the third party platforms unless otherwise disclosed in writing. BHWM does not receive referral
fees, revenue sharing, or other compensation from third-party technology platforms.

Fees for Financial Planning and Consulting Services
Clients that are receiving financial planning services only are charged a fixed fee ranging from $5,000.00
to $25,000.00, depending upon the complexity of a client’s plan and services provided. The fixed fee can
be charged in quarterly installments, or otherwise in full upon delivery of the completed financial plan.
Actual fees charged are clearly outlined in the financial planning agreement and clients receive invoices
reflecting the amount of the fee due and payable.

Notwithstanding the foregoing, BHWM and the client may choose to negotiate an annual advisory fee that
varies from the ranges set forth above. Factors upon which a different annual advisory fee may be based
include, but are not limited to, the size and nature of the relationship, the services rendered, the nature and
complexity of the products and investments involved, time commitments, and travel requirements. The
BHWM Wrap Fee Program investment management services fee will apply to all of the client’s assets
under management, unless specifically excluded in the client agreement. Although BHWM believes that
its fees are competitive, clients should understand that lower fees for comparable services may be available
from other sources and firms.

The investment advisory agreement between BHWM and the client may be terminated at will by either
BHWM or the client upon written notice. BHWM does not impose termination fees when the client
terminates the investment advisory relationship, except when agreed upon in advance.

     B. Payment of Fees

BHWM generally deducts its advisory fee from a client’s investment account(s) held at the custodian. Upon
engaging BHWM to manage such account(s), a client grants BHWM this limited authority through a written
instruction to the custodian of his/her account(s). The client is responsible for verifying the accuracy of the
calculation of the advisory fee; the custodian will not determine whether the fee is accurate or properly
calculated. A client may utilize the same procedure for financial planning or consulting fees if the client
has investment accounts held at a custodian.

Although clients generally are required to have their investment advisory fees deducted from their accounts,
in some cases, BHWM will directly bill a client for investment advisory fees if it determines that such
billing arrangement is appropriate given the circumstances.

Bellars Harris Wealth Management                                             Disclosure Brochure

The custodian of the client’s accounts provides each client with a statement, at least quarterly, indicating
separate line items for all amounts disbursed from the client's account(s), including any fees paid directly
to BHWM.

Clients may make additions to, and withdrawals from, their account at any time, subject to BHWM’s right
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Item 7 - Types of Clients

BHWM offers investment advisory services to individuals, including high net worth individuals, and
entities, including, but not limited to, trusts, estates, and qualified retirement plans. BHWM does not
impose a minimum portfolio size or a minimum initial investment to open an account. However, BHWM
does reserve the right to accept or decline a potential client for any reason in its sole discretion.