Comprehensive Wealth Management LLC

Item 5: Fees and Compensation
This section of the brochure describes how we are compensated for the services we offer.

proVest Management Fee
Comprehensive Wealth Management’s annual advisory fee is based on a percentage of assets
under management and includes: financial planning and consulting services; discretionary
investment management services; and continuous monitoring and reporting. In the event that the
client requires planning and/or consultation services beyond the general scope (to be determined
in the sole discretion of CWM), we may charge additional fees for these services. If this applies, we
will describe the additional services and the related fees in a separate written notice to the client.

CWM’s annual fee for services generally ranges between 0.5% and 2% of total assets under
management for the services outlined above. The advisor fee is usually blended as described

below, and will apply to a client’s entire assets under management, except those assets that have
been specifically excluded or designated as ‘Unmanaged’.

CWM requires a minimum quarterly fee of $2,750.00. This minimum may be reduced or waived at
our discretion, and may vary depending upon various objective and subjective factors, including
but not limited to: the representative assigned to the account, the amount of assets to be invested,
the complexity of the engagement, the anticipated number of meetings and servicing needs,
related accounts, future earning capacity, anticipated future additional assets, and negotiations
with the client. As a result, similar clients could pay different fees, which will correspondingly
impact a client’s net account performance. The exact fee you will pay is specified in your CWM
proVest Agreement, specifically noted in Appendix A of the proVest Agreement.

To calculate your advisory fee, CWM multiplies the account value on the last day of the previous
calendar quarter by the daily pro rata portion of the annual rate in advance of services being
performed. The advisory fee is usually blended, meaning that as the market value of your
account(s) reach a higher breakpoint, you continue to pay the rate applicable to each asset tier in
the schedule above, not a single lower rate once your total assets cross a breakpoint. Your
quarterly fee is adjusted for cash flows into and out of your account(s) during the quarterly billing
period. For example, if you withdraw funds from your account midway through the billing period,
your next bill will reflect a refund of the fee that was charged in advance on the funds you
withdrew. Likewise, if you deposit money into your account midway through the billing period,
your next bill will reflect a charge for the new funds you deposited for the partial period those new
funds were managed by us.

Householding of Accounts
If you have more than one account, your accounts are “householded” for purposes of calculating
the fee. A “household” is generally a group of accounts having the same address of record or the
same Social Security number. Individual Retirement Accounts (“IRAs”), Simplified Employee
Pension IRAs (“SEP-IRAs”), SIMPLE IRAs, and other personal retirement accounts are generally
combined for householding purposes. The accounts which may be householded are subject to
negotiation and our approval. We calculate your household fee by totaling the market value of
your accounts under each fee schedule and charging your accounts according to the fee schedule.
The fee is then allocated on a pro-rata basis to each account. Each of your account’s pro-rata
amounts is calculated by computing the market value of each account as a percentage of the total
market value of all accounts under that fee schedule.

If the market value of your account falls significantly below the specified minimum due to your
withdrawal of assets from the account, we may require you to deposit additional money or
securities to bring the account up to the required minimum, close the account, or change it to
another type of account.

Generally, members, employees, and immediate family members of CWM are not charged a
management fee.

Services Covered by the proVest Agreement
The Advisory Fee covers the investment management services provided by CWM and transaction
fees relating to securities trades placed by CWM on behalf of the Client. CWM’s advisory fee does
not include brokerage commissions for trades away from the Client’s Custodian, mark-ups and
mark-downs, dealer spreads, or other costs associated with the purchase and sale of securities,
interest, taxes, or other Portfolio expenses, for all of which Client shall be solely responsible.

Financial Institution Consulting Services
CWM receives a consulting fee from the broker-dealer who hires us based on the Assets Under
Management from Brokerage Customers who have provided written consent to the broker/dealer
to receive the investment consulting service from CWM and have entered into a written advisory
agreement with CWM. The consulting fee is calculated in advance based on the value of the Assets
Under Management from the Brokerage Customers as of the end of the previous quarter. The
maximum fee will not exceed 1% annually. This fee is paid by the broker-dealer and is not charged
to the client separately. The initial fee is paid by the broker-dealer only after completion of one full
calendar quarter period following the date of the executed agreement with the broker/dealer.
CWM has a conflict of interest in consulting on these assets since CWM is hired and paid by the
broker-dealer, not by the end client, though the client does have an advisory agreement with
CWM. If we recommend sale of the assets held in an account subject to the broker-dealer
consulting agreement, the broker-dealer would likely lose revenue on that account and could
choose to lower CWM’s compensation or terminate the agreement entirely. We therefore have a
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Item 7: Types of Clients
This section of the brochure describes specific requirements to open and maintain an account and the
types of clients we generally provide investment advice.

We generally require a minimum portfolio size of $500,000 to participate in CWM’s investment
program under our proVest Agreement. We will waive this minimum account size at our
discretion.

We provide advisory services to a variety of types of clients, including individuals, trusts, and
individual pension plan accounts. The type of investment we choose for you will vary because of
the size of your account.