Defined Wealth Management LLC

ITEM 5 - FEES AND COMPENSATION
Fee Schedule & Billing Method

The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
under management or advisement.

Investment Management Services
The annual management fee for our Investment Management Services is based on the total dollar asset
value of the assets under management. The fee assessed and/or charged is based on what is stipulated
in the Investment Advisory Agreement signed by each client. This may include a minimum quarterly fee.
The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
under management or advisement.

Our annual fee ranges are 0.30% - 1.50% annually, and is assessed and/or charged quarterly in advance,
based on prior month-end value. Inflows and outflows of cash are considered on a prorated basis in this
calculation. Margin debits in accounts will decrease the fee calculated. Fees can be structured in one of
the following ways: a fixed flat percentage fee on total assets in the account, a tiered fee schedule
whereby the fee is calculated by applying different rates to different levels of assets or a linear fee
schedule where a breakpoint percentage fee is assessed to total assets in the account .

Defined Wealth Management, LLC Disclosure Brochure                                           March 2026

Fees associated with Betterment accounts are assessed and/or charged quarterly in arrears, based on the
average daily balance of the account. The investment management fee stipulated in your Wealth
Management Agreement is directly debited from your account custodied at Betterment for both
Betterment and Defined. The services included for the wrap fee include all of the service provided by
Betterment and Betterment Securities through the Betterment for Advisors platform, including advisory
services, custody of assets, execution and clearing of transactions, and account reporting. Betterment
collects wrap fees directly from Clients pursuant to the terms of the sub-advisory agreement between
Betterment and each Client. Clients utilizing the execution, and other services were purchased separately.
Advisors with clients on this pricing structure typically also pay a fixed monthly fee to Betterment.

If you charge Clients a fee in addition to the Betterment for Advisory platform fee for assets held on the
Betterment for Advisors platform, Betterment will collect both its and your fee from each Client and remit
your portion of the fee directly to you. Clients should be made aware of this arrangement.

Additional Information regarding Betterment’s fee and compensation is described in Betterment’s Form ADV
Part 2A.

Financial Consultation Service
We will quote the client a fixed fee that is based on the estimate of time to complete the project, or will
negotiate another fee arrangement for the client, pursuant to the Financial Planning & Consulting
Agreement. The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope
and complexity of our engagement with you. We may require a negotiable retainer, which is calculated
based on the estimated total 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 six (6) months. In the event that the client or Defined terminates the financial consulting
engagement before completion of the financial plan or consultation, Defined will determine the fees due
for the services already completed. For flat fee engagements, Client may receive a pro-rata refund of
unearned fees which will be based on the hours Advisor has spent on the engagement, billed at the
Advisor’s hourly rate for such engagements. If the retainer previously paid by you is more than the fees
due, Defined will refund the amount of the unearned fees to you. If the amount due is more than the
retainer we collected from you, Defined will send you an invoice for the remainder due, which will be
due within thirty (30) days of the invoice date. For ongoing engagements, Client will receive a pro-rata
refund for any remaining days left in the quarter in which the contract was terminated.

Other Fees and Expenses

In addition to the advisory fees paid to Defined, clients may incur certain charges imposed by other third
parties, such as broker-dealers, custodians, trust companies, platform service providers, banks and other
financial institutions (collectively “Financial Institutions”). These additional charges may include securities
brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets, reporting
charges, margin costs, charges imposed directly by a mutual fund or ETF in a client’s account, as disclosed
in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges,
odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on

Defined Wealth Management, LLC Disclosure Brochure                                                March 2026

brokerage accounts and securities transactions. The Firm’s brokerage practices are described at length in
Item 12, below.

Direct Fee Debit

Clients generally provide Defined with the authority to directly debit their accounts for payment of the
investment advisory fees. The Financial Institutions that act as the qualified custodian for client accounts,
from which the Firm retains the authority to directly deduct fees, have agreed to send statements to
clients not less than quarterly detailing account transactions, including any amounts paid Defined.

Account Additions and Withdrawals

As stated above, clients may make additions to and withdrawals from their account at any time, subject
...

ITEM 7 – TYPES OF CLIENTS
Defined provides asset management, financial consulting, ERISA plan advisory & consulting, investment
advisory consultation, and selection of third-party money managers. Our services are provided on a
discretionary and non-discretionary basis to a variety of clients, such as institutional investors, individuals,

Defined Wealth Management, LLC Disclosure Brochure                                                 March 2026

high net worth individuals, trusts and estates, qualified purchasers and individual participants of
retirement plans. In addition, we may also provide advisory services to entities such as pension and profit-
sharing plans, businesses, and other investment advisers.

Account Requirements
Defined does not have a specific account minimum.