Choice Wealth Advisors 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 paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter and range from 0.75% to 1.50% annually based on several
factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall

                                               Choice Wealth Advisors, LLC
                                     325-D Kennedy Memorial Drive, Waterville, ME 04901
                                         Phone: (207) 873-0996 I Fax: (866) 910-2339
                                            http://www.choicewealthadvisors.com

relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio
restrictions and other complexities may be charged a higher fee.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by CWA 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.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee
with an increased level of assets placed under management with an Independent Manager. The terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the
Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will
not exceed 2.00% annually.

Financial Planning Services
CWA offers financial planning services either on an hourly basis or for a fixed engagement fee. Hourly fees are
billed at a rate of up to $300 per hour. Fixed fee engagement fees typically range up to $5,000. Fees may be
negotiable based on the nature and complexity of the services to be provided and the overall relationship with the
Advisor. An estimate for total hours and/or total costs will be provided to the Client prior to engaging for these
services.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00% and are billed
monthly in arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees
are based on the market value of the assets under management as of the last business day of the previous month.
Fees may be negotiable depending on the size and complexity of the Plan.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor or its delegate shall send an invoice to the Custodian indicating the amount of the fees
to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated
by applying the quarterly rate (annual rate divided by 4) to the total assets under management with CWA at the end
of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting
deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as
listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide
written authorization permitting advisory fees to be deducted by CWA to be paid directly from their account[s] held
by the Custodian as part of the investment advisory agreement and separate account forms provided by the
Custodian.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees will include CWA’s
investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the
Independent Manager. The Independent Manager will assume the responsibility for calculating the Client’s fees and
deducting all fees from the Client’s account[s].

                                               Choice Wealth Advisors, LLC
                                     325-D Kennedy Memorial Drive, Waterville, ME 04901
                                         Phone: (207) 873-0996 I Fax: (866) 910-2339
                                            http://www.choicewealthadvisors.com

Financial Planning Services
Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the
financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s].

Retirement Plan Advisory Services
...

Item 7 – Types of Clients

CWA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, businesses and retirement plans. The amount of each type of Client is available on CWA’s Form
ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. CWA
generally requires a minimum relationship size of $250,000 but may accept clients with smaller amounts at the
sole discretion of the Advisor.

                                             Choice Wealth Advisors, LLC
                                   325-D Kennedy Memorial Drive, Waterville, ME 04901
                                       Phone: (207) 873-0996 I Fax: (866) 910-2339
                                          http://www.choicewealthadvisors.com