Craft & Sage Wealth LLC

Item 5 Fees and Compensation
Fees and other charges

Individually Managed Accounts:
Fees for individually managed accounts are tier priced as follows:

              Account Size           Fee (Annual percentage)*
     First $500,000                1.25%
     Next $500, 000                1.10%
     Next $1,000,000               1.00%
     Next $1,000,000               0.90%
     Over $3,000,000               0.85%

Individual representatives of C&S Wealth shall work with prospective clients to determine fees within
the above fee schedule, and all fees are negotiable. All asset based fees are deducted by the qualified
custodian of record on a quarterly basis in Advance, or as otherwise indicated in the client agreement.
The quarterly fee shall be evaluated based on the value of the assets in the managed account on the last
business day of the previous quarter. Fee adjustments may be made for cash flows depending on the
type of account, the type of cash flow, the size of the cash flow, the platform used, etc. Any necessary
refunds due to incomplete quarters upon engagement and/or termination shall be calculated as pro-rated
for the amount of days in the quarter. Client statements for prior deductions will be provided on a
quarterly basis.

You will separately pay the selected TPMs and platforms a fee for their asset management services (a
“TPM Fee”). C&S Wealth does not share in the TPM Fees paid to any TPM. The specific annual
asset-based fee we will charge you is determined based on the number of TPMs utilized, the amount of
their TPM Fees, and the overall complexity of monitoring your account.

The specific TPM Fees charged by each TPM will be set forth in their Form ADV Part 2A (or disclosure
brochure containing the equivalent information) and/or within your advisory agreement with C&S
Wealth and/or your agreement with the particular TPM. TPMs will typically directly deduct their TPM
Fees from the client’s account held at the custodian.

All fees paid to Adviser for investment advisory services are separate and distinct from the expenses
charged by third-party managers and Investment Companies to their shareholders. These fees and
expenses are described to the client in separate disclosures. These fees will generally include third-
party management fees, an Investment Company management fee, other fund expenses, and in some
situations a possible distribution fee.

Adviser will provide investment advisory services and portfolio management services but will not
provide custodial or other administrative services. At no time will Adviser accept or maintain custody
of a client’s funds or securities except for authorized fee deduction. The Client may contact the
Custodian directly for disbursements, or account record changes, and may also do so in writing to the

Craft & Sage Wealth

custodian. Adviser may act at the client’s convenience to facilitate such written communications to the
Custodian, provided that such action is not construed to be custody of client assets.

Client is responsible for all custodial and securities execution fees charged by the custodian and
executing broker-dealer. Fees paid to Adviser are separate and distinct from the custodian and execution
fees.

Clients may request to terminate their advisory contract with Adviser, in whole or in part, by providing
advance written notice. Upon termination, any fees paid in advance will be prorated to the date of
termination and any excess will be refunded to the client through the Custodian. Client’s advisory
agreement with the Advisor is non-transferable without Client’s written approval.

Fee Deduction Disclosure

The custodian sends the client a statement, at least quarterly, indicating the amount of our fees and all
amounts disbursed from the account to our firm for our management fees. We have internal controls
that seek to verify that the custodian is withdrawing fees accurately in accordance with your
agreement, however, we strongly encourage clients independently verify the accuracy of the fee
calculation, as the custodian will not verify the calculation. If a client does not have sufficient cash in
the account(s) to cover the payment of fees, some or all of the securities held by the client will be
liquidated in order to pay the fees.

The custodian is responsible for sending the client account statements, clients will not receive an
account statement or a fee invoice from us. Asset-based fees are always subject to the management
agreement between the client and our firm, and we generally retain the right to amend our fee schedule
with 30 days prior written notice to the client.

Fixed Fees

Fixed fees are commensurate with asset based fees and may be negotiated for investment services, and
are established as fixed fees where the intent of the client is that fees are not variable automatically with
changes in asset values on a quarterly basis. Fixed fee arrangements under the client agreement are for
a period of one year, and then convert automatically to asset based fees unless a new fixed fee agreement
is established. Fixed fees are deducted and invoiced in the same fashion as asset based fees for investment
services.

All fixed fees for services offered by the firm will be determined in advance based on the agreement
between the client and the firm and based on the information provided by the client at that time.

Fixed fees paid in advance will be prorated to the date of termination and the excess refunded to the
client by check as soon as practicable. Where the firm may request a fee in advance, the amount paid in
advance will not be more than $1,200 per client and 6 months in advance. The remaining fixed fees will
be paid after services are performed.

Craft & Sage Wealth

Right of Cancellation

In addition to the right to terminate an agreement pursuant to its terms, a client may cancel an agreement
with Adviser within five (5) business days of first receiving a copy of this disclosure brochure and
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Item 7 Types of Clients
C&S Wealth provides investment advice to many different types of clients. These clients generally
include individuals, trusts, estates, corporations, and other types of business entities.

Minimum Account Size

The Firm does not require a minimum account size. Third-party managed programs generally have
account minimum requirements, and these minimum requirements vary from manager to manager.