Complete Wealth Management LLC

Item 5 – Fees and Compensation

We provide asset management and financial planning services for a fee.

Either party may terminate the relationship with a thirty (30) day written notice. Upon termination of any
account, any prepaid fees that are in excess of the services performed will be promptly refunded to you.
Any fees that are due, but have not been paid, will be billed to you and are due immediately.

Third-Party Money Managers
We do not directly charge your account or charge a fee in addition to the fee charged by the third-party
money manager, a fee based on the amount of assets under our management. Complete Wealth
Management will receive a portion of the fee charged by the third-party money manager(s). Please refer
to the third-party money managers(s)’ ADV Part 2 and other disclosure documents for a full description
of the fees.

Complete Wealth Management    ADV Part 2A                     March 2026                                  Page 13 of 33
                                                                             © 2010 – 2026 Red Oak Compliance Solutions LLC

Asset Management Fee Schedule
Our minimum account opening balance is $250,000 which may be negotiable based upon certain
circumstances. The fee charged is based upon the amount of money you invest. Multiple accounts of
immediately-related family members, at the same mailing address, may be considered one consolidated
account for billing purposes. Fees are charged either quarterly or monthly, in advance, as specified in
your agreement with us. Payments are due and will be assessed on the last day of each billing period. Our
fee may be calculated using either the previous billing period ending balance of the accounts under
management or the average daily balance of the prior quarter. Your billing method and frequency shall
be indicated on your client agreement with us. No change in method or frequency shall be made without
30 days advance notice, in writing, detailing the changes. Fees be calculated as follows:

             Percentage        Portfolio Size (AUM)
              1.2%             $0-$250,000
              1.1%             $250,000-$500,000
              1.00%            $500,000- $1,000,000
             Negotiable        $1,000,000+

The fees shown above are annual fees and may be negotiable based upon certain circumstances. No
increase in the annual fee shall be effective without prior written notification to you. We believe our
advisory fee is reasonable considering the fees charged by other investment advisers offering similar
services/programs.
We may recommend the fee-based annuity products to you. This could be a fixed, index or variable
annuity. Please see the disclosures in regarding these products above and details regarding the risks in
item 8. There is no commission or compensation from the insurance company to the firm for the
recommendation of this product. Therefore, a separate fee between 50-100 basis points will be either
charged directly to your brokerage account or invoiced quarterly. This fee will be separate from, and in
addition to, the asset management fee shown above. If you provide written authorization, you may charge
both your annuity fee and your advisory fee to the account(s) of your choice.
The fees we charge can be deducted directly from your account at the custodian. We will instruct the
custodian to deduct the fees from your account at the end of the billing period. This fee will show up as
a deduction on your following account statement from the custodian. If you do not want us to charge your
account for the fee, you may pay the fee directly to us. We will send you an invoice detailing the fee
calculation. Fees are due in full 15 days after receipt of the invoice.

Financial Planning/Consulting Fees
The following fee schedule applies for financial planning services:

The Financial Planning Agreement will show the fee you will pay.

If the plan is implemented through us, we may receive compensation from the sale of insurance products
or advisory services recommended in the financial plan. This compensation would be in addition to the
financial planning fee you pay. The fees and expenses you pay for the purchase of these products may be

Complete Wealth Management    ADV Part 2A                    March 2026                                Page 14 of 33
                                                                          © 2010 – 2026 Red Oak Compliance Solutions LLC

more or less than the expenses you would pay should you decide to implement our recommendations
through another investment advisory firm or broker-dealer and are typically determined by the broker-
dealer or investment company sponsoring the product. Therefore, a conflict of interest may exist
between our interests and your interests since we may recommend products that pay us compensation.
We may have an incentive to recommend particular products based upon the potential compensation
rather than your needs. This potential conflict is addressed in our Code of Ethics.

Based upon your needs, we may also provide consultations throughout the year to advise and counsel
you about other financial issues. We can help you with transition planning, major transaction analysis,
coordinated with cash flow needs, retirement needs, estate planning needs, income tax planning, life and
disability insurance needs, investment needs, and college education planning.

We will charge an hourly fee of $200, which may be negotiable depending upon the nature and complexity
of the client's circumstances. We can also provide an-in depth analysis of your financial situation or other
defined projects as requested on a fee only basis.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee
the results of any of our recommendations.

Third Party Fees
Our fees do not include brokerage commissions, transaction fees, and other related costs and expenses.
...

types of clients:

    •       Tax-qualified retirement plans (both defined benefit and defined contribution) that are
            intended to receive favorable tax-treatment under section 401(a) or 403(b) of the IRC
    •       Non-qualified executive deferred compensation plans

    •       Other types of retirement plan types as may be introduced to the Programs.

Our minimum account opening balance is $250,000 which may be negotiable based upon certain
circumstances.

Complete Wealth Management   ADV Part 2A                    March 2026                                 Page 17 of 33
                                                                          © 2010 – 2026 Red Oak Compliance Solutions LLC