BWA LLC

Item 5: Fees & Compensation

ADV Part 2A – Firm Brochure                    Page 5                               Bucher Wealth Advisors

Compensation for Our Advisory Services

Asset Management:

The maximum annual fee charged for this service will not exceed 1.25%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the Client. Our firm bills on cash unless otherwise
indicated in writing. 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. Fees are negotiable and will be
deducted from client account(s). In rare cases, our firm will agree to directly invoice.

Our firm may recommend SMAs, these fees are separate from and in addition to our firm’s fees. The
maximum fee for clients utilizing SMAs and our firm’s fees will not exceed 1.75%. Exact fees and fee-
paying arrangements charged by SMA’s will be disclosed in the SMA’s advisory agreement (that is
separate from our firm’s), Firm Brochure, or other disclosure document(s). The SMA’s fees will be
deducted directly from the clients’ account. Our firm does not receive a portion of these fees and the
SMAs’ fees do not have any bearing on the fee our firm charges for our services.

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; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

For held away assets utilizing the Pontera® platform, Pontera® charges an Annualized fee of 0.25%,
charged quarterly in advance based on the value of the account(s) on the last day of the previous
quarter. The fee in the first quarter of service is pro-rated from the inception date of the account(s)
to the end of the first quarter. Pro-rated adjustments to the prior quarter’s invoice only are applicable
when accounts are added or removed, not when there are inflows or outflows for existing accounts.
In the event the Client cancels a subscription, Client will be billed the pro-rated quarterly payment
for the quarter in which such cancellation occurs. Our firm will not charge clients the 0.25%
Pontera® fee and will cover the additional cost of this service.

Financial Planning & Consulting:

Our firm charges on a flat fee basis for financial planning and consulting services. The total estimated
fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with
the client. Flat fees will not exceed $2,500. Our firm requires a retainer of 50% of the ultimate
financial planning or consulting fee at the time of signing. The remainder of the fee will be directly
billed to the client and due within 30 days of a financial plan being delivered or consultation
rendered. Our firm will not require a retainer exceeding $1,200 when services cannot be rendered
within 6 months.

ADV Part 2A – Firm Brochure                    Page 6                                 Bucher Wealth Advisors

Other Types of Fees & Expenses

Asset Management Clients will incur transaction fees for trades executed by their chosen custodian,
via individual transaction charges. These transaction fees are separate from our firm’s advisory fees
and will be disclosed by the chosen custodian.

     Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction fees for U.S. listed equities
      and exchange traded funds.

     Fidelity Brokerage Services (“Fidelity”) eliminated transaction fees for U.S. listed equities and
      exchange traded funds for clients who opt into electronic delivery of statements or maintain
      at least $1 million in assets at Fidelity. Clients who do not meet either criteria will be subject
      to transaction fees charged by Fidelity for U.S. listed equities and exchange traded funds.

     Currently, both Schwab & Fidelity charge transaction fees for mutual funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), distribution
fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and
mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire
transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm
does not receive a portion of these fees.

Existing Wrap Asset Management Clients will not incur transaction costs for trades by their chosen
custodian; any assessed transaction fees for these clients will be absorbed by our firm.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Asset Management
services in writing at any time. Upon notice of termination our firm will process a pro-rata refund of
the unearned portion of the advisory fees charged in advance.

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
performed by us up to the point of termination shall be calculated at the hourly fee currently in effect.
Clients will receive a pro-rata refund of unearned fees based on the time and effort expended by our
firm.

Commissionable Securities Sales
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Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our requirements for opening and maintaining accounts or otherwise engaging us:
   • Our firm requires a minimum account balance of $1,000,000 for our Asset Management
       service. Generally, this minimum account balance requirement is not negotiable and would
       be required throughout the course of the client’s relationship with our firm.

Clients who opt into electronic delivery of statements or maintain at least $1 million in assets at
Fidelity will not be charged transaction fees for U.S. listed equities and exchange traded funds.