Copperline Wealth Management & Planning

Item 5 – Fees and Compensation
The following describes our fees so you will know how much you are charged and by whom for the
advisory services we provide you. Our fees are negotiable. Factors that may impact fees include the

scope and complexity of the services rendered, the amount of assets managed, and the number of
relationships with the client.

Fees are exclusive of brokerage commissions, transactions fees and other related costs and expenses
(unless participating in our Wrap Fee program, see Item 4). Such expenses will be assessed to the client.
Clients may incur certain charges imposed by custodians, brokers, and third-party managers or other
third parties that CWM does not control. These charges can include such things as deferred sales
charges, transfer taxes, wire transfer and electronic fund fees, brokerage account fees, and other fees,
charges or taxes. For further information related to our brokerage practices, please refer to Item 12.

Depending on the service you choose, CWM may charge on-going fees based on a percentage of assets
under management, on an hourly basis, or on a flat fee basis. Depending on the wishes and needs of
the client, we may provide different investment advisory services and charge the client via different
methods; our fees are always described in detail in the signed written agreement between the client
and CWM. The details of each of these options are described further in this section of our Brochure.

Fees for Portfolio Management Services

For Portfolio Management services, our fees are billed on a pro-rata annualized basis, quarterly in
advance, based on the value of your account on the last day of the previous quarter. Fees will generally
be automatically deducted from your managed account in accordance with the method described in
the AMA. CWM does not accept payment for these accounts in any other manner.

The following schedule is a general fee guideline; all fees are subject to negotiation:

                           Account Size                    Fee (Annual percentage)
                            $0 - $250K                              1.25%
                          $250K - $500K                             1.20%
                          $500K - $1MM                              1.15%
                         $1MM - $2.5MM                              1.10%
                         $2.5MM - $5MM                              1.00%
                             $5MM+                                Negotiable

Upon engagement, a client has five (5) business days to terminate the contract and receive a full refund
of any fees collected in advance without penalty. In the event you wish to terminate our services in the
future, we will refund the unearned portion of our fee to you.

You will need to contact us in writing and state that you wish to terminate our services. Upon receipt of
your notice of termination, we will proceed to close out your engagement and process a pro-rata
refund of unearned fees.

Fees for Financial Planning or Consulting Services

CWM generally charge hourly or flat fees for these services.

   •   Hourly Fees: Our hourly fees typically range from $50.00 to $300.00 depending on the nature of
       the service, these are specified within the Consulting Agreement.

   •   Flat Fees: Flat fees vary based on complexity and could range from a minimum of $250 to a
       maximum of $30,000. The fee will be specified within the Consulting Agreement.

The total estimated fee is determined by the time and complexity of the engagement. Fees may be
charged in advance, but we will not collect more than $1,200 six months or more in advance of services
being rendered. For lengthy engagements, interim payments may be requested.

The total fee or balance due will be billed directly to you and due to us within thirty (30) days of your
financial plan being delivered or consultation rendered to you.

Fees for Investment Fiduciary and Retirement Plan Consulting

Investment Fiduciary Services (Plan Level) and Retirement Plan Consulting

Due to the wide variance in complexity and scope of our work with Retirement Plan sponsors, as well
as the requirements of Plan service providers, the method of billing and amount of fees charged for
these services is negotiable. We offer two different billing options for Plan Sponsors at the Plan Level:

   o   Pay an asset-based fee of a percentage of the Plan assets, payable quarterly
   o   Pay an annual flat fee, payable quarterly or in one lump sum on a specific date agreed to between
       Sponsor and CWM

By default, our billing frequency is quarterly in arrears, but the Plan Sponsor can choose advance fee
billing with any unearned fees to be refunded. The Plan Sponsor may choose whether to pay the fees
from plan assets or from the Sponsor directly.

Fees for Investment Fiduciary and Retirement Consulting services are fully negotiable between the
CWM and the Plan Sponsor, but at no time will be greater than 1.25% of total plan assets.

Additional Compensation We Receive

Most of our IARs are also registered representatives of LPL Financial LLC, an unaffiliated broker-dealer
registered with FINRA. In their role as registered representatives, IARs may accept compensation for
the sale of securities or other investment products. This presents a conflict of interest, giving the
representative an incentive to recommend investment products based on the compensation received.
We do not permit IARs to earn commissions on transactions or assets held in discretionary advisory
accounts managed by CWM. IARs will receive commission for transactions effected in a brokerage
account opened for you.

Some of our IARs may also be licensed insurance agents and receive normal and customary
commissions from the placement of insurance products. This also presents a conflict of interest as an
IAR may be incentivized to sell you an insurance product when it is not in your best interest. Clients are
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Item 7 – Types of Clients and Account Requirements
We provide investment advisory services to different types of clients, including:

   •   Individuals and High Net Worth Individuals
   •   Trusts, Estates, or Charitable Organizations
   •   Pension and Profit-Sharing Plans, Retirement Plans
   •   Corporations, limited liability companies, and other business types

We do not require a minimum account balance for our asset management, financial
planning/consulting or Investment Fiduciary & Retirement Plan Consulting service clients. All clients are
required to execute the relevant agreement for the services required in order to establish a relationship
with CWM.