Buska Wealth Management LLC

Item 5: Fees and Compensation
 Method of Compensation and Fee Schedule
  ASSET MANAGEMENT
  Advisor offers discretionary direct asset management services to advisory Clients. Advisor
  charges an annual investment advisory fee based on the total assets under management as
  follows:
       Assets Under Management               Annual Fee             Quarterly Fee
               All Assets                      1.00%                    0.25%
  This is a tiered or breakpoint fee schedule, the entire portfolio is charged the same asset
  management fee. For example, a Client with $750,000 under management would pay $7,500
  on an annual basis. $750,000 x 1.00% = $7,500.
  The annual fee may be negotiable based upon certain criteria (e.g., historical relationship,
  type of assets, anticipated future earning capacity, anticipated future additional assets,
  dollar amounts of assets to be managed, related accounts, account composition, negotiations
  with Clients, etc.).
  Fees are billed quarterly in arrears based on the amount of assets managed as of the close of
  business on the last business day of the previous quarter. Lower fees for comparable
  services may be available from other sources. Clients may terminate their account within
  five (5) business days of signing the Investment Advisory Agreement with no obligation and
  without penalty. Clients may terminate advisory services with thirty (30) days written
  notice. For accounts opened or closed mid-billing period, unearned fees will be refunded to
  the Client. Client shall be given thirty (30) days prior written notice of any increase in fees.

 Any increase in fees will be acknowledged in writing by both parties before any increase in
 said fees occurs.
 CO-ADVISOR FEES
 Gradient Investments, LLC
 Advisor has entered into a Co-Advisor Agreement with Gradient Investments, LLC (“GI”). GI
 is a Registered Investment Advisor registered with the Securities and Exchange Commission
 that provides investment portfolio advice and supervisory services.
 GI offers an actively managed program of mutual fund and stock portfolios. The fee will be
 disclosed to the Client in the Investment Advisory Agreement and are negotiable. The
 Clients fee for these services will be based on a percentage of assets under management as
 follows:
                                 Asset          Stated Total                    Advisor Fee
Portfolio                                                          GI Fee*
                                 Valuation      Annual Fee                      (Negotiable)
Custom Indexing - Strategic      All Assets          1.40%         0.40%            1.00%
Strategic                        All Assets          1.25%         0.25%            1.00%
Custom Indexing - Allocation     All Assets          1.40%         0.40%            1.00%
Allocation                       All Assets          1.25%         0.25%            1.00%
Tactical                         All Assets          1.25%         0.25%            1.00%
Defined Outcome                  All Assets          1.25%         0.25%            1.00%
Private Wealth                   All Assets          1.25%         0.25%            1.00%
Preservation                     All Assets          0.75%         0.25%            0.50%
Client Directed Accounts         All Assets          $300           $300              $0
 For Client Directed Accounts (CDA), GI will assist in the opening, closing and transferring of
 accounts. GI will not have discretion at any time on these accounts. Client is solely
 responsible for the assets held within the accounts and their values which could increase or
 decrease (potential loss of principal). GI will not execute trades in CDA accounts. GI
 exceptions will be made for withdrawals to client or assets transferred into a GI managed
 portfolio. GI will also provide performance reporting on these accounts and can furnish
 3rd party analysis reports per the client’s request. Similar services may be available through
 other sources for a lower fee.

 These are flat fee schedules, the entire portfolio is charged the same asset management fee.
 Example:
                                                                                 Quarterly
  Portfolio                                          Calculation
                                                                                 Fee
  Custom Indexing – Strategic                        ($750,000x1.40%) x (91/365) $2,617.81
  Strategic Portfolio:                               ($750,000x1.25%) x (91/365) $2,337.33
  Tactical Portfolio:                                ($750,000x1.25%) x (91/365) $2,337.33
  Custom Indexing - Allocation                       ($750,000x1.40%) x (91/365) $2,617.81
  Allocation & Defined Outcome Portfolio:            ($750,000x1.25%) x (91/365) $2,337.33
  Private Wealth Portfolio:                          ($750,000x1.25%) x (91/365) $2,337.33

 Preservation Portfolios:                        ($750,000x0.75%) x (91/365) $1,402.40
Fee Calculation: (Quarter End Value x Annual Fee %) x (Days in Quarter/Days in Year) + $15
Quarterly Service Fee*

* The $15 Quarterly Service Fee is the technology fee charged by GI per account or
investment strategy for performance and other reporting. This fee is disclosed in GI’s ADV
Part 2A (Item 5: Fees and Compensation) and in GI’s Investment Proposal and Contract
(Schedule D: Schedule of Fees).
The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount of
the assets managed as of the end of the previous quarter and will take into account additions
and withdrawals in the time period. All management fees are withdrawn from the Client’s
account unless otherwise noted. GI will receive written authorization from the Client to
deduct advisory fees from their account held by a qualified custodian. GI will pay Advisor
their share of the fees. Advisor does not have access to deduct Client fees. Clients may
...

Item 7: Types of Clients
 Description
  We generally provide investment advice to individuals.
  Client relationships vary in scope and length of service.

 Account Minimums
  We do not manage accounts therefore have no minimum.