Castle Wealth Management LLC

Item 5 - Fees and Compensation

All client’s Fee Structures are outlined in their agreements with Castle. The information provided below is a guideline
for the fee structures. Castle reserves the right to modify the fee structures listed below.

We believe as a result of a fee-based cost structure, Castle is able to provide objective advice and personalized
recommendations unique to each individual. The annual fee for portfolio management will be charged as a
percentage of assets under management, according to the sliding marginal rate schedule below:

Assets under management                Annual Fee (%)

$0 - $10,000,000                           1.00%

Next $10,000,000                           0.50%

All Over $20,000,000                       0.25%

A minimum annual fee of $2,000 for assets under management is required for this service. For certain account
relationships Castle will aggregate related accounts (households) in order to meet this minimum annual fee
requirement. Fees are calculated in arrears on the last business day or the beginning of the month or quarter on the
household aggregated assets under management, including accrued interest and payable monthly or quarterly.
Castle reserves the right to waive the minimum fee.

For 529 accounts, we charge a flat advisory fee of 0.40%. Investments within the 529 plan, such as those in the
Brighter Future Advisor Plan, are subject to additional underlying management fees. We utilize a non-commission,
institutional platform through iShares, which means our advisors do not receive commissions on these investments
and clients benefit from institutional pricing that is typically lower than what is available to retail investors.

Accounts custodied at Schwab that are only cash or money market funds may be charged a flat advisory fee of 0.25%.
Because interest rates on these investments can vary and may be low, it’s possible for the advisory fee to be higher
than the income earned.

Negotiability of Fees

In certain circumstances, all fees and account minimums may be negotiable.

A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days written
notice. It is our policy to give a 30-day written notice when terminating a client. Upon termination of any account,
prepaid and/or unearned fees will be promptly refunded while any earned, unpaid fees will be due and payable. The
client has the right to terminate an agreement without penalty within five business days after entering into the
agreement. All fees shall be prorated to the date 30 days after the termination receipt.

All investment advisory fees paid to Castle are separate and distinct from costs incurred by any third-party
investment product or service such as mutual funds and ETFs to their shareholders. These expenses are described in
each fund’s prospectus and will usually consist of a management fee, other fund expenses, and possibly a distribution
fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge. Castle, nor any of our
supervised persons receive any portion of the third-party fees, such as commissions, asset-based sales charges, or
any services fees.

Clients have the option of investing in a mutual fund directly, without the services of Castle. In that case, Castle
would not facilitate the transaction and assist the client in determining the most appropriate mutual fund(s) based
upon the unique financial situation of the individual. Accordingly, the client should review both the fees charged by
the mutual funds and those of Castle to fully understand the total cost to be paid and the advisory services being
provided.

Portfolio Management

Castle does not have the discretion to choose a particular broker/dealer. Rather, the client must direct us as to the
broker/dealer to be used in servicing that client account.

Any broker/dealer relationship which would adversely affect the servicing of the client may be denied by Castle.

Castle participates in the Schwab Institutional services program offered to independent investment advisors by
Schwab, an unaffiliated FINRA-registered broker-dealer. As part of this program, Castle receives benefits it would
not otherwise if investment advice was not offered. (See “Other Financial Industry Activities and Affiliations” for
further information).

Clients in need of brokerage and custodial services will have Schwab, or Brighter Future Advisor Plan recommended
to them, for the client to choose from.

Money Manager Search and Monitoring

Castle may perform management searches of various independent registered investment advisors on behalf of a
client. There is no obligation on behalf of the client to use any product or service offered by any independent
registered investment advisor recommended by Castle. If Castle believes a particular independent adviser is
performing inadequately, Castle may suggest the client contract with a different adviser (third-party separate
account manager). Under this scenario, Castle will assist the client in selecting a new adviser and then monitor that
adviser’s performance. The move to any new manager is solely at the discretion of the client. Castle charges for its

    selection and monitoring service 25bps, or ¼ of 1%, on top of the fee the selected money manager charges. In certain
    circumstances, these fees and account minimums may be negotiable.

    Alternative Investments

    Sourcing
    The investment committee sources alternative investments, which include but are not limited to private equity,
    hedge funds and private debt, through various channels. These include investments referred by clients, and
    conferences. The offerings of units, shares, or interests in private alternative investment vehicles (Funds) are not
    registered under the U.S. Securities Act of 1933, as amended (the “Securities Act”), and the Funds are not registered
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Item 7 - Types of Clients

Castle provides customized wealth management and financial planning services to high-net-worth individuals,
individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations.