CJC Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management        Annual Fees
        $0 - $3,000,000                      1.00%

        $3,000,001 - UP                      0.75%

An average of the daily balance in the client’s account throughout the billing period is
used to determine the market value of the assets upon which the advisory fee is based.
These fees are negotiable.

The final fee schedule will be memorialized in the client’s advisory agreement. Clients
may terminate the agreement without penalty for a full refund of CJCWM's fees within
five business days of signing the Investment Advisory Contract. Thereafter, clients may
terminate the Investment Advisory Contract generally with 30 days' written notice.

Selection of Other Advisers Fees

CJCWM will be compensated for its services by the third-party adviser. These third-party
investment advisers charge fees that range from 0% to 0.50% of assets under management.
Clients will pay CJCWM its standard portfolio management fee as described above in
addition to the standard fee for the advisers to which it directs those clients. The fees
shared are negotiable and will not exceed any limit imposed by any regulatory agency.
The notice of termination requirement and payment of fees for third-party investment
advisers will be withdrawn by the custodian who will pay each party its portion of
payment of fees. The terms for termination and whether or not fees for third-party
advisers will be paid in advance will be dictated by the third-party adviser selected.
CJCWM does not change its fee schedule as a result of its arrangement with any third-
party advisors.

Financial Planning Fees

CJCWM offers financial planning services for an annual fee (the “Annual Planning Fee”).
The Annual Planning Fee generally ranges from $1,500 to $10,000, depending on the scope
and complexity of the services to be provided, the client’s financial situation, and other
relevant factors. The specific fee will be agreed upon with the client in advance and
documented in the client’s agreement.

In addition to the Annual Planning Fee, clients will be charged a separate, one-time initial
financial planning fee (the “Initial Planning Fee”) in connection with the development and
delivery of the client’s initial financial plan. The Initial Planning Fee generally ranges from
$1,500 to $10,000 and is based on similar factors, including the scope and complexity of
the planning engagement.

The Initial Planning Fee is charged only during the first year of the engagement and is in
addition to the Annual Planning Fee. In subsequent years, clients are charged only the
Annual Planning Fee for ongoing financial planning services, which include an annual
review and update to the client’s financial plan.

The fees are negotiable, and the final fee schedule will be disclosed in the Financial
Planning Agreement.

Educational Seminars/Workshops Fees

CJCWM does not charge for educational seminars that they offer.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly basis. Fees are paid in arrears.

For fees deducted directly from client accounts, in states that require it, CJCWM will use
the safeguards below:

   1. CJCWM will have written authorization from the client to deduct advisory fees
      from the account held with a qualified custodian.
   2. The custodian will send statements, at least quarterly, to the client showing all
      disbursements for the custodian account, including the amount of the advisory
      fees.
   3. Each time a fee is deducted CJCWM will send the qualified custodian notice of the
      amount of the fee to be deducted and will also send the client an invoice itemizing
      the fee including the formula used to calculate the fee, the amount of assets under
      management upon which the fee is based, and the period covered by the fee.

Payment of Selection of Other Advisers Fees

Fees are paid monthly in arrears. The fees will be withdrawn by the custodian who will
pay each party its portion of payment of fees.

Payment of Financial Planning Fees

The Initial Planning Fee is a one-time fee paid 100% in advance. The Annual Planning Fee
may be paid either in advance on an annual basis or in installments on a monthly basis,
as agreed upon in the agreement. These fees are charged in advance, but never more than
three months in advance.

Financial planning fees are paid via check, cash, wire, or by debit or credit card using
AdvicePay.

Payment using AdvicePay, a third-party vendor, is not required in order to provide
financial planning services. The client, if they elect, will be invoiced through and payment
made directly within the vendor’s secure site. The client will authorize and direct the fee
to be paid to CJCWM. CJCWM and AdvicePay are separate entities and there is no
material conflict of interest for the use of this service. AdvicePay does charge a fee for the
services, but the client will not bear these costs. CJCWM will pay all fees associated with
the client’s use of this payment vendor.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by CJCWM. Please see Item 12 of this
brochure regarding broker-dealer/custodian.

D. Prepayment of Fees

CJCWM collects its financial planning fees in advance, but never more than three months
in advance. Fixed fees that are collected in advance, but unearned at the time termination
becomes effective (if any), will be refunded based on the prorated amount of work
completed at the point of termination.

E. Outside Compensation For the Sale of Securities to Clients
...

Item 7: Types of Clients

CJCWM generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals

There are no requirements for opening or maintaining an account. There is no account minimum.