Charles River Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are be paid quarterly in arrears, pursuant to the terms of the Client’s investment
advisory agreement. Investment advisory fees are based on the market value of assets under management at
the end of the quarter. The investment advisory fee in the first quarter of service is prorated to the inception date
of the account[s] to the first quarter end.

Fees are based on a tiered schedule as outlined below.

                  Assets Under Management ($)                Annual Rate (%)
                  First $500,000                                  1.10%
                  Next $500,001 to $1,000,000                     0.95%
                  Next $1,000,001 to $2,000,000                   0.85%
                  Next $2,000,001 to $3,000,000                   0.75%
                  Next $3,000,001 to $5,000,000                   0.65%
                  Over $5,000,001                                 0.50%

Fees may be negotiable at the sole discretion of the Advisor and are determined based on several factors,
including: the complexity of the services to be provided, the level of assets to be managed, and the overall
relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio
restrictions and other complexities may be charged a higher fee. The Advisor’s fees will also take into
consideration the Client’s aggregate assets under management with the Advisor, unless specifically excluded. All
securities held in accounts managed by Charles River will be independently valued by the Custodian. The
Advisor will conduct periodic reviews of the Custodian’s valuations.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However,
the Advisor shall not receive any portion of these commissions, fees, and costs.
                                          Charles River Wealth Management, LLC
                                        50 Mall Road, Suite 209, Burlington, MA 01803
                                        Phone: (781) 270-5400 * Fax: (781) 270-5410
                                            https://kenannacar.myhomehq.biz/

Financial Planning Services
Charles River offers financial planning services at an hourly rate ranging from $200 to $350. Fees may be
negotiable based on the on the nature and complexity of the services to be provided and the overall relationship
with the Advisor. An estimate of total hours and overall costs will be provided to the Client prior to engaging the
Advisor for these services.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor and deducted from the Client’s account[s] at the
Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the end of each quarter. The amount due is calculated by applying the annual rate
divided by 4 to the total assets under management with Charles River. Clients will be provided with a quarterly
statement from the Custodian reflecting deduction of the investment advisory fees. Clients are urged to review
and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to
be deducted by Charles River directly from their accounts held by the Custodian as part of the investment
advisory agreement and separate forms provided by the Custodian.

Financial Planning Services
Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon
deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Charles River, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and
custody fees charged by the Custodian, if applicable. The Advisor's recommended custodian does not charge
securities transaction fees for ETF and equity trades in Client accounts, but typically charges for mutual funds
and other types of investments. The fees charged by Charles River are separate and distinct from these custody
and execution fees.

In addition, all fees paid to Charles River for investment management services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are
described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees
for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and
a possible distribution fee. A Client may be able to invest in these products directly, without the services of
Charles River, but would not receive the services provided by Charles River which are designed, among other
things, to assist the Client in determining which products or services are most appropriate for each Client’s
financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and
the fees charged by Charles River to fully understand the total fees to be paid. Please refer to Item 12 –
Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Investment Management Services
...

Item 7 – Types of Clients
Charles River offers investment advisory services to individuals, high net worth individuals, trust, estates, and
charitable organizations. The amount of each type of Client is available on the Advisor's Form ADV Part 1A.
These amounts may change over time and are updated at least annually by the Advisor. Charles River generally
does not impose a minimum size for establishing a relationship.