Calvert Wealth Management Inc

Item 5: Fees and Compensation

Financial Planning:

The preparation of a Financial Plan is billed at an hourly rate of $300 per hour. The amount of time required to
prepare a Financial Plan varies for each client depending on their financial goals and overall financial situation. The
minimum cost for preparing a Financial Plan is $2,500. Payment for planning services is due when the plan is
presented to the client at the plan finalization meeting.

Consulting Services:

For those clients who wish to retain the company's services to help them implement changes to their financial
situation, or to address specific financial questions, an hourly rate of $300 is charged. Payment for hourly consulting
services are due as billed. Billing will be sent to the client at the end of the calendar month during the term of the
agreement for any services performed during that period.

Portfolio Management Services:

The annual fee for portfolio management services will be charged as a percentage of assets under management,
according to the following schedule:

Assets Under Management                               Annual Fee

Up to $1,999,999                                      1.10 %

The next $2,000,000-$5,000,000                        1.00 %

The next $5,000,001-$7,000,000                        0.60 %

The next $7,000,001+                                  0.50 %

Direct Debiting of Client Accounts:

In accordance with the client services agreement, the company's portfolio management fee is deducted from client
accounts on a quarterly basis. The account fee is payable in advance based upon the value of the client's account at
the end of the previous quarter. The account quarter will begin on the first day of the month in which the account
is accepted by the company. Statements are issued by the custodian at least quarterly indicating all amounts
disbursed from the account, including advisory fees paid directly to the advisor. Upon termination of any account,
any prepaid, unearned fees will be promptly refunded. In calculating a client’s reimbursement of fees, we will pro
rate the reimbursement according to the number of days remaining in the billing period.

The fee is negotiable on a client-to-client basis. Calvert Wealth Management, Inc. retains the right to modify the
fee structure through writing to the client. There is no minimum account size required to open or maintain an
account with Calvert Wealth Management, Inc.

Institutional Wealth Management:

The annual fee for portfolio management services to individually held accounts, which are actively traded by the
Company as detailed in the Portfolio Management Services section, will be charged as a percentage of assets under
management according to the above schedule.

The annual fee for portfolio management services to group retirement accounts, which are managed, but not
actively traded by the Company, will be charged as a percentage of assets under management, according to the
following schedule:

Institutional Assets Under Management                 Annual Fee

Up to $1,000,000                                      0.75 %

The next $1,000,001-$2,000,000                        0.50 %

The next $2,000,001-$3,000,000                        0.40 %

The next $3,000,001-$4,000,000                        0.35 %

The next $4,000,001-$5,000,000                        0.25%

The next $5,000,001-$10,000,000                       0.20%

The next $10,000,001-$25,000,000                      0.15%

The next $25,000,001-$50,000,000                      0.10%

The next $50,000,001+                                 0.05%

The fee is billed in arrears at the beginning of each calendar quarter based upon the value of the client’s account at
the end of the previous quarter. In accordance with the Services Agreement, the client will be invoiced or have the
fee deducted from their account. Advisory fees for Retirement Plans, such as 401(k)s, are deducted by the Custodian
based upon the agreement between the Custodian and Plan Sponsor. The Adviser does not have the ability to
withdrawal the fee or change the fee schedule. Should a different fee be negotiated, the Plan Sponsor must update
the fee schedule with the Custodian.
CWM is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual retirement
accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act ("ERISA"), and regulations under
the Internal Revenue Code of 1986 (the "Code"), respectively. As such, CWM is subject to specific duties and
obligations under ERISA and the Internal Revenue Code that include among other things, restrictions concerning
certain forms of compensation. To avoid engaging in prohibited transactions, CWM may only charge fees for
investment advice about products for which our firm and/or our related persons do not receive any commissions or
12b-1 fees, or conversely, investment advice about products for which our firm and/or our related persons receive
commissions or 12b-1 fees, however, only when such fees are used to offset CWM's advisory fees.

The fee is negotiable on a client-to-client basis. Calvert Wealth Management, Inc. retains the right to modify the fee
structure through writing to the client. There is no minimum account size required to open or maintain an account
with Calvert Wealth Management, Inc.

Limited Negotiability of Advisory Fees:
Although we have established the aforementioned fee schedule(s), we retain the discretion to negotiate alternative
fees on a client-by-client basis. Client facts, circumstances and needs are considered in determining the fee schedule.
These include the complexity of the client, assets to be placed under management, anticipated future additional
assets; related accounts; portfolio style, account composition, reports, among other factors. The specific annual fee
schedule is identified in the contract between the adviser and each client.
Other Fees and Expenses:
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Item 7: Types of Clients

Calvert Wealth Management, Inc., Inc. generally provides advice to Individuals, Trusts, Estates, Charitable
Organizations, Profit Sharing Plans, and Business Entities. There are no minimum requirements to open or maintain
an account with Calvert Wealth Management, Inc.

CWM, in its sole discretion, may charge a lesser investment management fee based upon certain criteria (i.e.,
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed,
related accounts, account composition, negotiations with client, etc.).
As result of the above, similarly situated clients could pay different fees. In addition, similar advisory services may
be available from other investment advisers for similar or lower fees.