Creekmur Asset Management LLC

ITEM 5 - FEES AND COMPENSATION

Clients receive investment management services through CAM. Fees will be calculated as
a percentage of assets under management (AUM) based on the average daily balance of
account(s) and deducted from Client account(s) in arrears on a monthly basis. Unless
otherwise agreed upon and stated in the Investment Management Agreement, fees are
assessed on all assets under management, including securities, cash, and money market

CREEKMUR ASSET MANAGEMENT, LLC
MARCH 2026| PAGE 8

balances. Each of these are considered categories within the asset allocation for the client’s
investment strategy.

For CAM’s clients whose accounts are custodied at Schwab and Fidelity, CAM offers
investment management services through a Wrap Fee Program. The Wrap Fee Program
fees do not exceed 2.00% and include the advisory fees billed by CAM, AEWM’s platform
fee, third party manager fees, and any other transaction based fees billed by the custodian
(Fidelity & Schwab). No other management fees are billed to client accounts by the Firm.

CAM’s Foundational Program, catered to a younger generation with less than $250,000 of
investable assets, utilizes Altruist Corp. (“Altruist”) for custodial services. Accounts held at
Altruist are not part of the Wrap Fee Program and may be subject to certain transaction
fees incurred at the custodian. Altruist offers digital account opening and funding solutions.
Custodial fees may be lower at Altruist than other Custodians. Refer to Additional Fees and
Expenses section below for a description of fees that clients may incur in addition to the
investment management advisory fee billed by CAM.

When invested in a Model there is typically a small percentage invested in cash as part of
that model (i.e., 1%). That “cash” will be included in the AUM fee. Cash held in other types
of accounts, such as a stand-alone money market, a “contribution distribution sleeve” or
“non-managed” account (used for purposes of scheduled distributions or flexibility of
withdrawals) is “not” included in the fee.

The Firm’s employees and their family-related accounts are charged a reduced fee for the
Firm’s services.

In some instances, we may not have discretion and an account is set up for client directed
trades only. The Firm has the ability to view and initiate client-directed trades but the Firm
does not maintain ongoing management or supervision of the accounts. For these
accounts, the custodian bills a $30 annual administration fee. The Firm does not receive
any compensation.

CAM will deduct advisory fees directly from the client’s account provided that (i) the client
provides written authorization to the qualified custodian, and (ii) the qualified custodian
sends the client a statement, at least quarterly, indicating all amounts disbursed from the
account. The client is responsible for verifying the accuracy of the fee calculation, as the
client’s custodian will not verify the calculation.

Either CAM or the Client may terminate the management agreement immediately upon
written notice to the other party. The management fee will be pro-rated to the date of
termination, for the month in which the cancellation notice was given and billed to Client

CREEKMUR ASSET MANAGEMENT, LLC
MARCH 2026| PAGE 9

accounts. Upon termination, the Client is responsible for monitoring the securities in Client
accounts, and we will have no further obligation to act or advise with respect to those
assets. In the event of client’s death or disability, CAM will continue management of the
account until we are notified of client’s death or disability and given alternative instructions
by an authorized party.

FINANCIAL PLANNING
Financial Planning fees may vary based on the extent and complexity of your individual or
family circumstances and the amount of your assets under our management. Our fee will
be agreed in advance of services being performed. The fee will be determined based on
factors including the complexity of your financial situation, agreed upon deliverables, and
whether you intend to implement any recommendations through CAM.
   1) True Wealth Legacy Planning: Stand-alone financial planning fees are fixed and
      range from $1,600 to $25,000. 50% of financial planning fees are due upon
      execution of the financial planning agreement and the remainder is due upon
      delivery of the plan. Typically, we complete a plan within a month and will present
      it to you within 90 days of the contract date, if you have provided us all information
      needed to prepare the financial plan.
   2) Foundational Financial Planning: On-going, subscription based, foundational
      financial planning services for younger generational clients range from $500-$2500
      annually. Our Firm does require 30 days advance notice for termination of
      subscription-based planning
   3) One Time Modular Plan: This service is based on hourly rate of $400/hour and one-
      time fees typically range from $600-$1500.

The specific financial planning services and associated fee is specified in your planning
agreement with CAM.
Financial Planning fees can be paid via check to CAM or can be invoiced and processed
through a third-party nonaffiliated service, AdvicePay. With AdvicePay, Clients will be
asked to set up their bank account or credit card at AdvicePay to enable credit card or ACH
payments. While AdvicePay allows firms like CAM to receive payments directly from the
client’s credit card or bank account, it does not give CAM access to the bank account itself,
nor to any of the client’s credit card or bank account information. CAM is not able to initiate
any additional payments via AdvicePay as agreed upon and outlined in the Agreement.
If you choose to terminate the financial planning agreement by providing us with written
notice. Upon termination, fees will be prorated to the date of termination and any earned
...

ITEM 7 - TYPES OF CLIENTS

The Firm works with the following types of clients:
    • Individuals
    • High net-worth individuals.
The firm requires a minimum account value of $100,000, which can be waived at CAM’s
discretion.