Cedarwood Wealth LLC

Item 5 – Fees and Compensation
5a, b, c & d: Fee Schedules, Payments & Options
Investment Management

Our Maximum fee is 1% of assets under management. Our standard fees are shown in the table below:

          Assets Under Management                                    Annual Fee as Percent

                  $1,000,000                                                  1.00

            $1,000,001-$2,000,000                                              .85

            $2,000,001-$3,000,000                                              .75

            $3,000,001-$5,000,000                                              .50

           $5,000,001-$10,000,000                                              .35

            $10,000,001 or above                                               .25

Under this tiered structure fees are charged at a lower rate on assets invested in each succeeding tier. For example, an account
with $3,000,000 invested will be charged 1% on the first $1,000,000 (i.e. $10,000), .85% for each dollar invested between
$1,000,001 and $2,000,000 (i.e. $8,500) and .75% for each dollar invested between $2,000,001 and $3,000,000 (i.e. $7,500)
for a total fee of $26,000.

Fees are negotiable. Fees may be lower based on a number of factors, including:
    • Size of the relationship – Larger accounts may receive more favorable pricing.
    • Accounts within the same household will be combined under a signed householding form for a reduced fee
         unless the client instructs otherwise.
    • Loyal long-term clients may retain legacy pricing from their original agreements.
    • Our employees and their family related accounts are charged a reduced fee for services.
    • Matching Bonafide competitor fees.

For purposes of determining value, securities and other instruments traded on a market for which actual transaction
prices are publicly reported are valued at the last reported sale price on the principal market in which they are traded.
If the investments are not managed assets, they are not included in Cedarwood Wealth’s fee calculation.

Compensation for our services will be calculated in accordance with what is set in the client agreement. We may modify
the terms of any agreement by written changes submitted to the client for signature. Changes excluding fee reductions
will not become effective until after the client has agreed to the change in writing. While we strive to maintain
competitive fees, the same or similar services may be available from other firms at higher or lower fees.

Cedarwood Wealth requires written authorization from the client to deduct advisory fees from an account held by a
qualified custodian. Cedarwood Wealth fees are paid from your account by the custodian when we submit an invoice to
them. At the same time Cedarwood Wealth sends the qualified custodian written notice of the amount of the fee to be
deducted from the client’s account. The invoice will contain the name of the custodian on the invoice. We strongly urge
you to compare our invoices with the fees listed in the custodian account statements.

In addition to the standard asset-based advisory fee, the Client agrees to pay an additional fee for access to the Adviser’s
online reporting platform (Orion). This platform provides real-time portfolio monitoring, performance reporting, and
other analytical tools. The fee for this service shall be $35 per account, annually, and will be billed quarterly along with
the advisory fee. The Client acknowledges that this fee is mandatory for all managed accounts and is non-refundable.
The Adviser reserves the right to adjust the fee with prior written notice of at least [30] days.

Invoicing includes fee arrangements with third-party investment advisers, when the third-party adviser sends invoice
information, which includes Cedarwood Wealth’s advisory fee. If any invoice information relating to Cedarwood Wealth’s
advisory fees is missing, Cedarwood Wealth will provide the missing information.
Cedarwood Wealth fees are paid quarterly in advance as indicated in your investment advisory agreement based on the
value as of the last business day of the prior quarter. Our fee is determined by taking the percentage rate we charge,
divided by four times the market value of the account. The market value is the sum of the values of all managed assets
in the account, not adjusted by any margin debit.

In cases where there are partial fees at the commencement or termination of our agreement, they will be billed or
refunded on a pro-rated basis contingent on the number of days the account was open. Quarterly fee adjustments for
additional assets received into the account during a quarter or for partial withdrawals will also be provided on the above
pro rata basis. If there is insufficient cash in your account to pay your fees, securities in your portfolio may be sold to
pay our fee.
In addition to our fees, there may be custodial, mutual fund, 12b-1 fees or similar third-party management fees and
charges. See 5c: Third Party Fees below.

Sub-Advised Programs.

As discussed in Item 4 above, there are occasions where an independent Third-Party Money Manager (“manager”) acts
as a sub-adviser to our firm. In those circumstances, the manager manages the assets based upon the parameters
provided by our firm. The client will not engage the sub-advisor directly; the client’s advisory relationship remains with
Cedarwood Wealth as set forth in the client’s Investment Advisory Agreement. Sub Advisors charge separate fees for
the services provided. A separate fee is charged by Cedarwood Wealth for portfolio monitoring, oversight and ongoing
due diligence on the manager. See Item 4 for other services provided by Cedarwood Wealth when utilizing sub-advisors.

The total advisory fee may be collected from the custodian by our firm. Alternatively, the manager fee may be collected
...

Item 7 – Types of Clients
Cedarwood Wealth generally provides asset management and financial planning services to the following types of
clients:
      Individuals
      High-Net-Worth Individuals
      Pension and Profit-Sharing Plans
      Trusts
      Estates
      Charitable Organizations
      Corporations
      Individuals

Minimum Account Size: Cedarwood Wealth does not have an account minimum.