Bridge Generations Wealth Management LLC

Item 5 – Fees and Compensation

Wealth Management Fee

Clients who engage BGWM to provide wealth management services will pay an annual wealth

management fee according to the terms and conditions of a wealth management agreement. The
annual wealth management fee is based on the market value of assets managed by BGWM. The wealth
management fee is calculated as of the last day of the preceding quarter, and payable quarterly, either
in advance or arrears, as indicated in the wealth management agreement. The values used to calculate
wealth management fees may differ from the values shown on the applicable client’s custodial
statement due to various account activities such as unsettled trades, accrued interest, and accrued
dividends, which may not be reflected on that client’s custodial statement as of the valuation date.
Clients will agree to one of the following types of wealth management fees structures in their
respective wealth management agreement:

-   Fixed rate wealth management fee that ranges up to 1.2% per year, depending on the type and
    complexity of the investment management strategy employed, the services required, and the size
    of the account or overall client relationship.
-   Non-tiered, wealth management fee schedule that ranges up to 1.0% per year, where the rate
    declines as the account size increases, and the applicable wealth management fee percentage is
    calculated based on the tier that applies to the total value of assets under BGWM’s management.
-   Tiered wealth management clients generally use the fee schedule below, although fees are
    negotiable.
Assets Under Management                              Annual Fee
From $0 to $750,000.00                               1.20%
$750,000.01 to $1,000,000.00                         1.10%
$1,000,000.01 to $2,125,000.00                       1.00%
$2,125,000.01 to $5,000,000.00                       0.80%
$5,000,000.01 and Above                              0.75%

New account fees will be prorated from the inception of the account to the end of the first quarter.
Unless BGWM expressly agrees otherwise in writing, account assets consisting of cash and cash
equivalent positions are included in the value of an account’s assets for purposes of calculating
BGWM’s management fee. Clients can advise BGWM not to maintain (or to limit the amount of) cash
or cash equivalent positions in their account.

BGWM’s wealth management fee is negotiable at BGWM’s discretion, which historically primarily
depended upon the respective client’s previous engagement with BGWM’s representatives in their
capacities as investment adviser representatives of another registered investment adviser, with which
BGWM’s representatives are no longer affiliated. BGWM may choose to negotiate its fees based upon
other objective and subjective factors including but not limited to the amount of assets to be managed;
portfolio composition; the scope and complexity of the engagement; the anticipated number of
meetings and servicing needs; related accounts; future earning capacity; anticipated future additional
assets; the professionals rendering the services; prior or familial relationships with BGWM and its
representatives, and negotiations with the client. BGWM may also agree to aggregate account values
for related clients (such as spouses and minor children sharing the same residence) for the purpose

of reducing the overall fee. Certain clients may have accepted different pre-existing service offerings
from BGWM and may therefore receive services under different fee schedules. As a result, similarly
situated clients could pay different fees, the services to be provided by BGWM to any particular client
could be available from other advisers at lower fees, and certain clients may have fees different than
those specifically set forth above.

The client will give written authorization permitting BGWM to be paid directly from their account held
by the custodian, and the custodian will send a statement at least quarterly to the client. Where it is
not practical to deduct fees directly from client accounts, the client be sent invoice at the beginning of
each quarter. The invoice is payable upon receipt.

The wealth management agreement between BGWM and the client will continue in effect until
terminated by either party by written notice in accordance with the terms of the wealth management
agreement. Upon termination, BGWM will prorate and bill or refund the client for the number of days
that services were provided during the billing quarter, as applicable.

Hourly Fee

Upon client request, BGWM may agree to charge an hourly fee of $500 for to provide financial
planning and consulting services as described in the wealth management section above, and other
special projects not involving portfolio management. The total fee for the services needed will be
determined up front based on the hours needed to complete the services, and will be billed half up
front, and the remainder monthly in advance based on the expected duration of the project until the
balance has been paid. All hourly fee projects will be completed in less than six months from the
beginning of the project.

Other Fees and Expenses Imposed by Third Parties

BGWM’s 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, 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. These fees
will generally include a management fee and other fund expenses. All fees paid to BGWM for
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Item 7 – Types of Clients

BGWM provides services to individuals, trusts, estates, charitable organizations, corporations, and
small businesses. BGWM generally prefers to work with clients who have at least $1,000,000 in assets
designated for management. However, based on facts and circumstances (including but not limited to
anticipated earning capacity, anticipated additional assets designated for management, related
accounts, account composition, and negotiations) BGWM may, at its sole discretion, accept accounts
with a lower value.