Brandywine Financial Group Inc

Item 5. Fees and Compensation
Comprehensive Portfolio Management
Our annual advisory fees are based on a percentage of the market value of assets under management and are charged
as follows:

 Assets under Management                                        Annual Fee                     Quarterly Fee
 $0 to $500,000                                                    1.50%                          0.3750%
 $500,000 to $750,000                                              1.25%                          0.3125%
 $750,000 to $1,000,000                                            1.15%                          0.2875%
 Over $1,000,000                                                   1.00%                          0.2500%

The fee schedule above is a ‘Per Account’ Fee and NOT in aggregate of household assets, unless otherwise agreed
upon and listed under Schedule A: Managed Accounts.
Fees are generally as stated above; however, Raymond Carota reserves the right to negotiate fees on a case-by-case
basis.
Fees to be assessed will be outlined in the advisory agreement to be signed by the Client. Annualized fees are billed
on a pro-rata basis quarterly in advance based on the value of the account(s) on the last day of the previous quarter.
Advisory fees will be deducted from client account(s). Our firm bills on cash unless otherwise agreed to in writing. In
rare cases, our firm will agree to directly invoice. As part of this process, Clients understand the following:
  a The client's independent custodian sends statements at least quarterly showing the market values for each
    security included in the Assets and all account disbursements, including the amount of the advisory fees paid to
    our firm;
  b Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send an
    invoice directly to the custodian.
Digital Assets and Cryptocurrency Investment Services
The Firm's digital assets strategy may not be available for all account or entity types or for accounts held by certain
non-U.S. residents, depending on their jurisdiction of residence and is subject to additional eligibility requirements.
The above fee schedule for comprehensive portfolio management also applies to discretionary management of Digital
Assets. The advisory fee is outlined in the Investment Advisory Agreement and is determined at the firm's discretion.
Fees are generally as stated above; however, Raymond Carota reserves the right to negotiate fees on a case-by-case
basis. Annualized fees are billed on a pro-rata basis quarterly in advance based on the value of the account(s) on the
last day of the previous quarter.

Financial Planning and Consulting
We charge on an hourly or flat fee basis for financial planning and consulting services. The total estimated fee, as well
as the ultimate fee that we charge you, is based on the scope and complexity of our engagement with you. Our hourly
fee is $350. Flat fees generally range from $500 to $15,000, and are dependent on the scope and complexity of our
engagement with you. Financial Planning fees will be due in full upon client's execution of an agreement. Consulting
fees are charged at the earlier of the completion of the services or monthly. The client may terminate financial
planning consulting services within five (5) business days after entering into the advisory agreement without penalty
(i.e., prepaid fees will be refunded in full to the client).
After five (5) business days of entering into the advisory agreement, the client may terminate upon our firm's receipt
of the client's written notice to terminate.

Retirement Plan Consulting
Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the percentage of
Plan assets under management. The total estimated fee, as well as the ultimate fee charged, is based on the scope
and complexity of our engagement with the client. The maximum hourly fee to be charged will not exceed $350. Our

                                    Other-Than-Annual Amendment | August 7, 2026 | Page 6

                                                              ADV Part 2A — Firm Brochure · Carota Wealth Management · CRD #127344

flat fees range from $1,000 to $25,000. Fees based on a percentage of managed Plan assets will not exceed 1.00% of
plan assets annually. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in
the signed consulting agreement.

The Wealth Regime — Paid Newsletter
Carota Wealth Management publishes a newsletter titled “The Wealth Regime” on the Substack platform. The
newsletter contains general market commentary, macroeconomic analysis, and educational content. It does not
constitute individualized investment advice and is not tailored to the financial situation of any individual subscriber.
Subscriptions are available at the following flat rates:

 Subscription Plan                                                                           Fee
 Monthly                                                                               $8.00 per month
 Annual                                                                                $80.00 per year
 Founding Tier (Annual)                                                               $240.00 per year

Newsletter subscription fees are separate from and in addition to any advisory fees charged under the Investment
Advisory Agreement. Subscribing to the newsletter does not create an advisory relationship between the subscriber
and Carota Wealth Management. Advisory services are provided only pursuant to a signed Investment Advisory
Agreement.
Content published in The Wealth Regime may be prepared with the assistance of automated or artificial intelligence
tools and is reviewed and approved by Raymond Carota prior to publication. Such tools do not make investment
decisions for Carota Wealth Management or its clients.
...

Item 7. Types of Clients and Account Requirements
We provide our services to individuals, high net worth individuals, and pension and profit-sharing plans.
Our firm does not have a required minimum account balance.