Curtis Wealth Management LLC

Item 5 – Fees and Compensation

      5a, b, c & d: Fee Schedules, Payments & Options
      Investment Management

                  Standard Annual Management fee is 1.10% of the market value of the account.

      Fees are negotiable in the range between 1.1% and .5%. Fees may differ based on several factors:

              ▪     Size of the relationship – accounts above 2 million and accounts above 5 million may receive
                    additional discounts.
              ▪     Accounts within the same household will be combined under a signed householding form for a
                    reduced fee unless the client instructs otherwise.
              ▪     Our employees and their family-related accounts are charged a reduced fee for services

      For purposes of determining value, securities and other instruments traded on a market for which actual
      transaction prices are publicly reported are valued at the last reported sale price on the principal market in
      which they are traded. If the investments are not managed assets, they are not included in Curtis Wealth’s fee
      calculation.

      Compensation for our services will be calculated in accordance with what is set in the client agreement. We
      may modify the terms of any agreement by written changes submitted to the client for signature. While we
      strive to maintain competitive fees, the same or similar services may be available from other firms at higher or
      lower fees.

      Curtis Wealth requires written authorization from the client to deduct advisory fees from an account held by a
      qualified custodian. Curtis Wealth fees are paid from the client’s account by the custodian when we submit an
      invoice to them. At the same time Curtis Wealth sends the qualified custodian written notice of the amount of
      the fee to be deducted from the client’s account, Curtis Wealth sends the client a written invoice itemizing the
      fee, including the formula used to calculate the fee, the time period covered by the fee, and the amount of
      assets under management on which the fee was based. The invoice from Curtis Wealth will also contain the
      fee calculation itself and the name of the custodian. The client will also receive a statement directly from the
      custodian showing the fees deducted. We strongly urge clients to compare our invoices to the custodian’s
      statements for accuracy, and to notify us of any discrepancies.

      Curtis Wealth fees are paid quarterly in arrears based on the value as of the last business day of the quarter
      with payment deducted within 10 days from the date of the invoice. Our fee is determined by taking the
      percentage rate we charge, divided by four, times the market value of the account. For example, a $250,000
      account balance at the end of a quarter charged at a 1.1% annual rate is charged .275% per quarter, so $250,000
      x .00275 = $687.50. The market value is the sum of the values of all managed assets in the account.

      In cases where there are partial fees at the commencement or termination of our agreement, they will be billed
      or refunded on a pro-rated basis contingent on the number of days the account was open. Quarterly fee
      adjustments for additional assets received into the account during a quarter or for partial withdrawals will also
ADV Part 2A

      be provided on the above pro rata basis.

      If there is insufficient cash in the client account to pay fees, securities in the client portfolio may be sold to pay
      our fee.

      In addition to our fees, there may be custodial commissions, internal mutual fund (which are disclosed in each
      fund’s prospectus), 12b- 1 fees, or similar third-party management fees and charges. See 5c: Third Party Fees
      below.

      Sub-Advised Programs

      As discussed in Item 4 above, there are occasions where an independent Third-Party Money Manager
      (“manager”) acts as a sub-adviser to our firm. In those circumstances, the manager manages the assets based
      upon the parameters provided by our firm. The client will not engage the sub-advisor directly; the client’s
      advisory relationship remains with Curtis Wealth as set forth in the client’s Investment Advisory Agreement.
      Sub Advisors charge separate fees for the services provided. A separate fee is charged by Curtis Wealth for
      portfolio monitoring, oversight, and ongoing due diligence on the manager. See Item 4 for other services
      provided by Curtis Wealth when utilizing sub-advisors.

      The total advisory fee may be collected from the custodian by our firm. Alternatively, the manager fee may be
      collected separately from the custodian. The total fee will include our firm’s portion of the investment advisory
      fee as well as the manager’s fee. Fees charged by the managers range from 0.35% to 1.00%. Clients may be
      able to go to the sub adviser directly for advisory services.

      Curtis Wealth may, at any time, terminate the relationship with a manager that manages a client’s assets. Curtis
      Wealth will notify the client of instances where we have terminated a relationship with any manager they are
      investing with. Curtis Wealth will not conduct ongoing supervisory reviews of the manager following such
      termination.

      Factors involved in the termination of a manager may include a failure to adhere to their stated management
      style or client objectives, a material change in the professional staff of the manager, unexplained poor
      performance, unexplained inconsistency of account performance, or our decision to no longer include the
      manager on our list of approved managers.

      Information regarding the services and strategies provided by managers can be found in the specific manager’s
      ADV 2A. Clients are encouraged to carefully review each manager’s ADV 2A disclosure brochure for service
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Item 7 – Types of Clients

      Curtis Wealth generally provides asset management and financial planning services to the following types of
      clients:

          •   Individuals
          •   High-Net-Worth Individuals
          •   Trusts
          •   Estates
          •   Charitable Organizations

      Minimum Account Size:

      Curtis Wealth has an account minimum size of $500,000 which can be waived at the sole discretion of Jordan
      R. Curtis. Accounts within the same household may be aggregated to reach this minimum.