Concentrum Wealth Management Inc

Item 5: Fees & Compensation

How We Are Compensated for Our Advisory Services

Wrap Asset Management:

Please see our Wrap Fee Program Brochure.

Held Away Accounts – Portfolio Monitoring

For portfolio monitoring and data aggregations of assets held away from our primary custodian, we
charge 1.00% on all assets under management. The fees are negotiable and will generally be debited

1 Please note that our method for computing the amount of “client assets we manage” can be different from the method for computing
“assets under management” required for Item 5.F in Part 1A of Form ADV. However, we have chosen to follow the method outlined for
Item 5.F in Part 1A of Form ADV. If we decide to use a different method at a later date to compute “client assets we manage,” we must keep
documentation describing the method we use and inform you of the change. The amount of assets we manage may be disclosed by rounding
to the nearest $100,000. Our “as of” date must not be more than three months before the date we last updated our Brochure in response
to Item 4.E of Form ADV Part 2A.

from an account under our management, or directly invoiced, and these terms shall be set forth in
the executed agreements. For fees associated with Held Away Accounts for which we have
discretionary trading authority (as described above in Item 4), please see our Wrap Fee Program
Brochure.

Financial Planning & Consulting:

We charge on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee that we charge you, is negotiated based on the scope and
complexity of our engagement with you. Our hourly fees are $350 for financial advisors, $150 per
hour for para-planners and $75 for administrative time. Flat fees generally range from $2,000 to
$30,000. We require a retainer of fifty-percent (50%) of the ultimate financial planning or consulting
fee with the remainder of the fee directly billed to you and due to us within thirty (30) days of your
financial plan being delivered or consultation rendered to you. In all cases, we will not require a
retainer exceeding $1,200 when services cannot be rendered within 6 (six) months.

Pension Consulting:

We charge for our pension consulting services either as a flat fee, or a percentage of assets under
management. The total estimated fee, as well as the ultimate fee that we charge you, is negotiated
based on the scope and complexity of our engagement with you. Our maximum annual percentage
fee shall not exceed 1.00% of assets under management. Our flat fees generally range up to $30,000.
The fee-paying arrangements for pension consulting service will be determined on a case-by-case
basis and will be detailed in the signed Pension Consulting Agreement. The client will be invoiced
directly for the fees.

Other Fees

Wrap fee clients will receive our Form ADV, Part 2A, Appendix 1 (the “Wrap Fee Program Brochure”).
Wrap fee clients will not incur transaction costs for trades. More information about this is disclosed
in our separate Wrap Fee Program Brochure.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges,
mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified
retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market
makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on
brokerage accounts and securities transactions. Our firm does not receive a portion of these fees.

Refunds Following Termination

We charge our advisory fees quarterly in advance. In the event that you wish to terminate our
services, we will refund the unearned portion of our advisory fee to you. You need to contact us in
writing and state that you wish to terminate our services. Upon receipt of your letter of termination,
we will proceed to close out your account and process a pro-rata refund of unearned advisory fees.

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
performed by us up to the point of termination shall be calculated at the hourly fee disclosed in the

executed advisory agreement. Clients will receive a pro-rata refund of unearned fees based on the
time and effort expended by our firm.

Commissionable Securities and Insurance Sales

Certain representatives of our firm, in their individual capacities, sell securities for a commission. In
order to sell securities for a commission, our supervised persons are registered representatives of an
unaffiliated broker-dealer. Our supervised persons receive compensation for the sale of securities or
other investment products, including distribution or service (“trail”) fees from the sale of mutual
funds. You should be aware that the practice of accepting commissions for the sale of securities:

1) Presents a conflict of interest and gives our firm and/or our supervised persons an incentive to
   recommend investment products based on the compensation received, rather than on your
   needs. We generally address commissionable sales conflicts that arise when explaining to clients
   that commissionable securities sales creates an incentive to recommend products based on the
   compensation we and/or our supervised persons may earn and may not necessarily be in the
   best interests of the client or when recommending commissionable mutual funds, explaining that
   “no-load” funds are available through our firm if the client wishes to become an investment
   advisory client.

2) In no way prohibits you from purchasing investment products recommended by us through other
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Item 7: Types of Clients & Account Requirements

We have the following types of clients:

    •   Individuals and High Net Worth Individuals;
    •   Pension and Profit-Sharing Plans;
    •   Trusts, Estates or Charitable Organizations; and
    •   Corporations, Limited Liability Companies and/or Other Business Types.

We do not have requirements for opening and maintaining accounts or otherwise engaging us.