CL Wealth Management LLC

Item 5: Fees and Compensation

A. Methods of Compensation and Fee Schedule

Portfolio Advisory Services

CLW’s fee for portfolio advisory services is an asset-based fee calculated as a percentage of the value of
the account’s assets. All fees are negotiated between the IAR and the client. The following fee
Schedule is to be used as a guide.

                   Assets Under Management              Annual Fee Rate*
                   $25,000 - $100,000                   2.25%
                   $100,000 - $250,000                  2.00%
                   $250,000 - $500,000                  1.75%
                   $500,000 - $1,000,000                1.50%
                   $1,000,000 - $2,000,000              1.25%
                   $2,000,000 and over                  Negotiable

*A portion of the Annual Fee may be paid to the account custodian for billing, reporting and/or other
administrative functions.

In general, CLW requires a minimum of $25,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size.

CLW’s annual portfolio advisory fee is billed and payable quarterly in advance and is based on the value
of the client’s account on the last business day of the previous quarter, and at IAR’s discretion. If the
investment advisory agreement is executed at any time other than the first day of a calendar quarter, fees
will apply on a pro-rata basis, which means that the advisory fee is payable in proportion to the number of
days in the quarter for which you are a client. Our advisory fee is negotiable, depending on individual
client circumstances.

At our discretion and based on the Custodian’s policies, we may combine the account values of family
members living in the same household to determine the applicable advisory fee. For example, we may
combine account values for you and your minor children, joint accounts with your spouse, and other types
of related accounts. Combining account values may increase the asset total, which may result in your
paying a reduced advisory fee based on the available breakpoints in our fee schedule stated above.

The qualified custodian will directly deduct our fees from our clients’ account(s) according to the Client
Advisory Agreement. The custodian sends statements showing all account activity including advisory
fees to the client at least quarterly. In a limited number of instances, a client may have fees billed to
another account. You should review all statements for accuracy. In some instances, we may bill the client

directly. In this case the client will then pay CLW directly.

 Clients may terminate the client agreement upon 30 days’ written notice to our firm. If the fee is charged
 in advance, the fee is prorated based on the number of days the account is open. If the account is
terminated prior to the last day of a quarter, a prorated portion, based on the days remaining in such
quarter, of the quarterly fee paid in advance will be refunded to the client.

Selection of Other Advisers

When a third-party manager is used, the fee schedule is provided by the third-party manager. Each client
using a third-party manager will be provided with that manager’s disclosure statement and fee schedule.
CLW will receive, and will pay to the clients’ IAR, a portion of the fee. The portion of the fee paid to
CLW may vary depending on the fee schedule of the individual third-party manager in accordance with
the CLW client advisory agreement.

CLW does not withdraw third-party manager fees from client accounts. Such third-party managers
engaged deduct their own fees from client accounts. Clients must provide written consent to the
custodian or third-party manager in order for fees to be deducted from their account. The custodian of the
account sends statements showing all account activity including advisory fees to the client at least
quarterly. In a limited number of instances, a client may have fees billed to another account.

Most accounts are billed quarterly; however, some third-party managers may charge fees monthly. Fees
can be charged either in advance or arrears. Account billing is fully disclosed in each third-party
manager’s disclosure statements that are delivered to clients.

Fees of various third-party managers may vary based on the size and type of account. CLW’s fees portion
may, in certain circumstances, be negotiated. Compensation paid to CLW from various third-party
managers may vary; therefore, there may be a conflict of interest in recommending a manager who shares
a larger portion of the total fee over another manager.

Financial Planning and Consulting Fees

Financial planning and consulting fees are based on the time required to complete the assignment. The
standard planning and consulting fee is $350 per hour. An estimate of the total fee is agreed upon in
advance. Financial planning and consulting fees are negotiable based on the complexity and scope of
services to be provided and in some cases may be waived. In some instances, the fee charged may be a
flat fee that may not exceed $5,000.

You may terminate the financial planning agreement by providing notice to our firm. You will incur a
pro rata charge for services rendered prior to the termination of the agreement.

B. Client Payment of Fees

CLW will not take custody or possession of client funds or securities at any time except to the extent that
CLW may deduct fees directly from the client’s account. CLW will deduct advisory fees directly from the
client’s account provided that (i) the client provides written authorization to the qualified custodian, and
(ii) the qualified custodian sends the client a statement, at least quarterly, indicating all amounts disbursed
from the account.

The client is responsible for verifying the accuracy of the fee calculation, as the client’s custodian will not
verify the calculation.

C. Additional Client Fees Charged
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Item 7: Types of Clients
CLW offers investment advisory services to various types of clients including individuals, pension and
profit sharing plans, trusts, estates, charitable organizations, corporations, and other business entities.

In general, CLW requires a minimum of $25,000 to open and maintain an advisory account. At our
discretion and based on the Custodians’ policies, we may reduce this minimum account size.

For accounts managed by third-party managers, the minimum account size is usually determined by the
third-party manager. Please consult the relevant third-party manager’s disclosure document for information
on minimum account requirements.