Cahaba Wealth Management Inc

Item 5 Fees and Compensation
General Fee Information
Fees paid to Cahaba are exclusive of all custodial and transaction costs paid to the client's custodian,
brokers or other third party consultants. Please see Item 12 - Brokerage Practices for additional
information. Fees paid to Cahaba are also separate and distinct from the fees and expenses charged
by third party managers, mutual funds, ETFs (exchange traded funds) or other investment pools to
their shareholders (generally including a management fee and fund expenses, as described in each
fund's prospectus or offering materials). The client should review all fees charged by managers, funds,
brokers, Cahaba and others to fully understand the total amount of fees paid by the client for
investment and financial-related services.

Financial Planning Fees
For producing a written financial plan and rendering other financial planning advice, Cahaba charges
fees according to the degree of complexity involved, the skill required in preparing, rendering and
monitoring the advice and the services to be offered in connection with the financial planning process.
Fees generally range between $1,500 and $10,000 on an annual basis and are collected in quarterly
installments as invoiced. The fee is for one year and will be re-evaluated during the annual review.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

At our discretion, we may offset our financial planning fees to the extent you implement the financial
plan through our Portfolio Management Service.

The financial planning fee will be waived if a client also engages Cahaba to provide Comprehensive
Wealth Management services in conjunction with the financial planning engagement. This fee waiver is
only available for clients that engage for both services prior to the conclusion of the financial planning
arrangement.

We also offer financial planning service where clients can pay the fee in advance for the services
which will be completed within 6 months and your advisor will be available for subsequent discussions
regarding your financial plan. Generally, in this program, we recommend your financials be reviewed
and updated annually. Fees range from $1500 to $10,000.

Comprehensive Wealth Management Fees
The annual fee schedule, is a tiered fee schedule based on a percentage of assets under
management, as follows:

Assets Under Management                  Maximum Annual Fee
$0 to $250,000                                 1.50%
$250,000 - $500,000                            1.25%
$500,000 - $1,000,000                          1.25%
$1,000,000 and above                           1.00%

There is no minimum portfolio value or annual fee for any account. Cahaba may, at its discretion, make
exceptions to the foregoing or negotiate special fee arrangements where Cahaba deems it appropriate
under the circumstances.

Portfolio management fees are generally payable quarterly, in arrears, based on the balance at the
end of the billing period and the number of days in the quarter. If management begins after the start of
a quarter, fees will be prorated accordingly. With client authorization, unless other arrangements are
made, fees are normally debited directly from client account(s).

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

When we are requested to trade client accounts on margin, each client must sign a separate margin
agreement before margin is extended to that client account. Fees for advice and execution on these
securities are based on the total asset value of the account, which includes the value of the securities
purchased on margin. While a negative amount may show on a client's statement for the margined
security as the result of a lower net market value, the amount of the fee is based on the absolute
market value. This creates a conflict of interest where we have an incentive to encourage the use of
margin to create a higher market value and therefore receive a higher fee. The use of margin may also
result in interest charges in addition to all other fees and expenses associated with the security
involved.

Either Cahaba or the client may terminate their Investment Advisory Agreement at any time, subject to
any written notice requirements in the agreement. In the event of termination, any paid but unearned
fees will be promptly refunded to the client based on the number of days that the account was
managed, and any fees due to Cahaba from the client will be invoiced or deducted from the client's
account prior to termination.

Separate Account Manager Fees
Generally, where the services of a Third Party Money Manager ("TPMM") are utilized, the TPMM fees
will be charged in addition to Cahaba's fee, and will be detailed in the Management Agreement signed
by the client. Advisory fees that you pay to the TPMM are established and payable in accordance with
the brochure provided by each TPMM to whom you are referred. These fees may or may not be
negotiable. You should review the recommended TPMM's brochure and take into consideration the
...

Item 7 Types of Clients
Cahaba serves individuals, high net worth individuals, trusts and estates. Cahaba does not generally
impose a minimum portfolio value for conventional investment advisory services or a minimum fee. We
have the right to terminate your Account if it falls below a minimum size which, in our sole opinion, is
too small to manage effectively.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.