Brett Josey Wealth Management LLC

Item 5: Fees and Compensation:

                                   PRICING POLICIES

      Easy to understand fee schedule.

      Flexibility to tailor services and fees to meet the specific client needs.

      Equity brokerage commissions (paid by clients) at Schwab Institutional as of
      10/07/2019 are $0 for online stock and ETF trades placed on US or Canadian
      exchange. Other types of trades may carry a commission that is paid to Schwab
      and will be paid by the client.

      No product sales... the client’s goals will be served without the traditional “conflict
      of interest” between commissioned sales and the BEST alternative for the client.

      Schwab Institutional can be utilized as the third-party custodian of all assets at no
      cost to the client.

      We are committed to providing SERVICE that is second to none.

             HIGH NET WORTH (HNW)FEE SCHEDULE
      MANAGEMENT FEE IS 0.60% OF PORTFOLIO MARKET VALUE OF ASSETS

                    ASSET MINIMUM: $5,000,000.00

Fees and asset minimum may be negotiated when individual circumstances
warrant.

Fees are charged directly to the client accounts. Fees are computed on the total
account values. Account values are based on the value of the account at full funding in
year one and the prior year end value in other years. Fees are “fixed” based on these
values for the remainder of the calendar year. The account will be charged a pro-rata
fee (1/12) on one of the last few business days each month. The client is provided with
a “fee calendar” prior to any of the monthly fees being charged. This enables the client
to know in advance the exact amount, timing and method of calculation of all
management fees. BJWM reserves the right to recalculate fees during any given period
in which significant deposits or withdrawals are made to the account. If a fee
recalculation occurs, the client will be provided with an updated “fee calendar” prior to
any new fees being charged.

                       CORE PLUS FEE SCHEDULE
Market Value of Portfolio                        Annual fee as % of Assets

First $1,000,000                                                0.90%

Amount over $1,000,000                                          0.75%

                             ASSET MINIMUM: $500,000.00

Fees and asset minimum may be negotiated when individual circumstances
warrant.

Fees are charged directly to the client accounts. Fees are computed on the total
account values. Account values are based on the value of the account at full funding in
year one and the prior year end value in other years. Fees are “fixed” based on these
values for the remainder of the calendar year. The account will be charged a pro-rata
fee (1/12) on one of the last few business days each month. The client is provided with
a “fee calendar” prior to any of the monthly fees being charged. This enables the client
to know in advance the exact amount, timing and method of calculation of all
management fees. BJWM reserves the right to recalculate fees during any given period
in which significant deposits or withdrawals are made to the account. If a fee
recalculation occurs, the client will be provided with an updated “fee calendar” prior to
any new fees being charged.

By way of example, a client placing $1,250,000 under Registrant’s management utilizing
the CORE PLUS fee schedule would be assessed an annual fee of 0.90% on the first
$1,000,0000 and an annual fee 0.75% assessed on the remaining $250,000.

Item 7: Types of Clients

Types of clients include individuals, trusts and estates, charitable organizations, family
limited partnerships and limited liability companies. The asset minimum may be spread
over several accounts. This minimum may be waived when individual circumstances
warrant.

Rollovers-Potential for Conflict of Interest and Prohibited Transactions Exemption
Procedure: A client or prospective client leaving an employer typically has four options
regarding an existing retirement plan (and may engage in a combination of these options):
(i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to
the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to
an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could,
depending upon the client’s age, result in adverse tax consequences). When we provide
investment advice to you regarding your retirement plan account or individual retirement
account, we are fiduciaries within the meaning of Title I of the Employer Retirement
Income Security Act and/or the Internal Revenue Code, as applicable, which are laws
governing retirement accounts. The way we make money creates some conflicts with
your interest, so we operate under a special rule that requires us to act in your best
interest and not put our interest ahead of yours. Under this special rule’s provision, we
must:
            • Meet a professional standard of care when making investment
              recommendations
            • Never put our financial interest ahead of yours when making
              recommendations
            • Avoid misleading statements about conflicts of interest, fees, and
              investments
            • Follow policies and procedures designed to ensure that we give advice
              that is in your best interest
            • Charge no more than is reasonable for our services
            • Give you basic information about conflicts of interest

Any account rollover that falls under the Department of Labor’s Prohibited Transaction
Exemption 2020-02 rule will be given BJWM’s rollover document. This document will
walk the clients through some of their options when looking to rollover an account. It will

lay out the fact that BJWM will be acting as a fiduciary, disclose that there are potential
conflicts of interest, and comply with impartial conduct standards. BJWM will then go
through a checklist with the client to help determine if it is in the client’s best interest to
rollover their account. BJWM will keep the paperwork for our records. This policy will be
a part of our annual review.
No client is under any obligation to roll over retirement plan assets to an account
managed by BJWM.
BJWM is available to address any questions that a client or prospective client may have
regarding the potential for conflict of interest presented by such rollover
recommendation. Each client will be asked to sign a document stating that they
understand their options and the potential conflict of interest that new assets under
management present to BJWM due to earning new management fees.