CJM Wealth Advisers Ltd

Item 5           Fees and Compensation

   A.

                             CJM ASSET MANAGEMENT WRAP PROGRAM
         If a client determines to engage the Registrant to provide investment management services
         on a wrap fee basis in accordance with the Registrant’s Program, the services offered under,
         and the corresponding terms and conditions pertaining to, the Program are discussed in the

Program Brochure, a copy of which is presented to all prospective Program participants.
Under the Program, the Registrant is able to offer participants discretionary and non-
discretionary investment management services, for a single specified annual Program fee,
inclusive of trade execution, custody, reporting, and investment management fees. The
current annual Program fee is generally 1.00% but may be reduced in the sole discretion of
Registrant. As a result, similarly situated clients could pay diverse fees, and the services to
be provided by Registrant to any particular client could be available from other advisers at
lower fees. All clients and prospective clients should be guided accordingly. ANY
QUESTIONS: Registrant’s Chief Compliance Officer, Tracey A. Baker, remains available
to address any questions regarding advisory fees.

           FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
To the extent specifically requested by a client, the Registrant may determine to provide
financial planning and/or consulting services (including investment and non-investment
related matters, including estate planning, insurance planning, etc.) on a stand-alone fee
basis. Registrant’s planning and consulting fees are negotiable, but generally range from
$2,000 to $10,000 on a fixed fee basis, depending upon the level and scope of the service(s)
required and the professional(s) rendering the service(s).

                     RETIREMENT PLAN CONSULTING SERVICES
Registrant may provide non-discretionary retirement plan/pension consulting services,
pursuant to which it assists sponsors of self-directed retirement plans with the selection
and/or monitoring of investment alternatives (generally open-end mutual funds) from
which plan participants shall choose in self-directing the investments for their individual
plan retirement accounts. Registrant’s non-negotiable annual fee for these services is equal
to 0.50% of the value of plan’s assets.

                       VARIABLE ANNUITY MANAGEMENT

As noted above, Registrant may provide discretionary/non-discretionary variable annuity
advisory services pursuant to which it assists clients with the selection and/or monitoring
of sub account investment alternatives. Registrant’s annual fee for these services is equal
to 0.75% of the variable annuity sub account value. Program fees are generally charged to
a separate managed investment management account maintained by the client, or the client
may be invoiced directly.

                             General Information About Fees

Fee Dispersion: The Registrant’s investment advisory fee is negotiable at Registrant’s
discretion, depending upon objective and subjective factors including but not limited to:
the amount of assets to be managed; portfolio composition; the scope and complexity of
the engagement; the anticipated number of meetings and servicing needs; related accounts;
future earning capacity; anticipated future additional assets; the professional(s) rendering
the service(s); prior relationships with the Registrant and/or its representatives, and
negotiations with the client. As a result of these factors, similarly situated clients could pay
different fees, the services to be provided by the Registrant to any particular client could
be available from other advisers at lower fees, and certain clients may have fees different
than those specifically set forth above. The Registrant’s Chief Compliance Officer,
Tracey A. Baker, remains available to address any questions that a client or
prospective client may have regarding the above fee determination.

B. Clients may elect to have the Registrant’s advisory fees deducted from their custodial
   account. Both Registrant's Investment Advisory Agreement and the custodial/clearing
   agreement may authorize the custodian to debit the account for the amount of the
   Registrant's investment advisory fee and to directly remit that management fee to the
   Registrant in compliance with regulatory procedures. In the limited event that the
   Registrant bills the client directly, payment is due upon receipt of the Registrant’s invoice.
   Clients will be charged in advance at the beginning of each calendar quarter based upon
   the value (market value or fair market value in the absence of market value, plus any credit
   balance or minus any debit balance), of the client's account at the end of the previous
   quarter. For accounts opened during the quarter and for aggregate quarterly deposits or
   withdrawals totaling $200,000 or more, fees are prorated and clients will pay the additional
   amount or receive a credit in the following quarter.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, the Registrant generally recommends that Pershing serve as the
   broker-dealer/custodian for client investment management assets. Broker-dealers such as
   Pershing typically charge brokerage commissions and/or transaction fees for effecting
   certain securities transactions (i.e., transaction fees are charged for certain no-load mutual
   funds, commissions are charged for individual equity and fixed income securities
   transactions). However, clients in the Program do not pay these transaction costs.

    Clients will also incur, relative to all pooled investment vehicles owned by the client (i.e.,
    mutual funds, ETFs, private investment funds), their proportionate share of all fund
    expenses, which may include an additional layer of management fees, administrative fees
...

Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, high net worth individuals,
         pension and profit sharing plans, business entities, trusts, estates, and charitable
         organizations.