CFS Wealth Management LLC

Item 5      Fees and Compensation
         A. Fee arrangements are fee-based, fixed or hourly.
           1. We bill most of our clients a percentage of the value of their account(s).
               ……………..Account size up to $50,000 ………… Max Annual Fee.. 2.00%
                             Account size $50,000 to $250,000        Max. Annual Fee 1.75%
                             Account size $250,000 to $999,999       Max. Annual Fee 1.50%
                             Account size $1,000,000 and above Max. Annual Fee 1.25%
           The billed account value includes cash holdings as an asset class.
           2. The alternate fixed annual fee is $250 to $10,000 (negotiable).
           3. Hourly Fees of $250. We will charge for financial plans also at the hourly rate,
               stating a maximum cost based on our estimated time requirements in the
               agreement for a financial plan. Hourly fees apply to retirement evaluations.
         B. We deduct a client’s fees quarterly from the investment account.
         C. Clients may incur custodian-imposed fees in addition to that charged by CFS.
         D. CFS bills clients in advance for the quarter, based on the value of an account on
            the last business day of the preceding quarter. For clients who close/open an
            account during a quarter, the fee is pro-rated using the number of days of service.
         E. We receive no compensation for the sale of securities, including asset-based sales
            charges or service fees of mutual funds, from any investment products offered to
            our advisory clients. We primarily utilize Fidelity Institutional Wealth Services
            No Transaction Fee, No-load or Load-Waived mutual fund platform.
           Potential conflicts of interest: Steve Anderson is a registered representative with a
           broker/dealer; although he does not receive both advisory fees and commissions on
           advisory clients’ accounts in which he serves as a registered rep, he may receive
           commissions on products sold as a registered representative separate from CFS.
           Clients may purchase any such securities at other brokers/agents with no affiliation
           to CFS or Mr. Anderson. Commissions do not provide a significant portion of our
           revenue. We do not charge advisory fees in addition to commissions or mark-ups
           on these types of accounts.

Item 7      Types of Clients
         We provide investment advisory services to individuals, couples, custodians, IRA
         owners, Trustees and business owners. Our desired minimum account size is $50000

         but we may make an exception if account aggregation considered and/or additional
         deposits are anticipated.