Dillow Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements/a written agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, advance of each calendar quarter pursuant to the terms of the
investment advisory agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter. Wealth management fees range from 0.30% to 1.00% annually
based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be
managed; and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting
requirements, portfolio restrictions and other complexities may be charged a higher fee. If assets are deposited into or
withdrawn from an account after the inception of a billing period, the fee payable with respect to such assets is
adjusted to reflect the interim change in portfolio value and added or subtracted from the next bill.

The Wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
Dillow Wealth Management will be independently valued by the Custodian. The Advisor will conduct periodic reviews
of the Custodian’s valuation to ensure accurate billing.

                                              Dillow Wealth Management LLC
                                        700 Commerce Dr, Suite 500 Oak Brook, IL 60523
                                                    Phone: 224-330-9662

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers
For Clients referred by the Advisor to an Independent Manager, the Client’s fee may be separately billed or deducted
from the Client’s account[s] by the Independent Manager.

Financial Planning Services
Dillow Wealth Management also offers standalone financial planning services for a fixed engagement fee ranging
from $10,000 to $100,000 per engagement. Fees may be negotiable based on the nature and complexity of the
services to be provided and the overall relationship with the Advisor. An estimate for total costs will be determined
prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the
quarterly rate (annual rate divided by 4) to the total assets under management with Dillow Wealth Management at the
end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting
deduction of the wealth management fee. Clients are urged to also review and compare the statement provided by the
Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees.
Clients provide written authorization permitting advisory fees to be deducted by Dillow Wealth Management to be paid
directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate
account forms provided by the Custodian.

Use of Independent Managers
For Clients referred by the Advisor to an Independent Manager, the Client’s fee may be separately billed or
deducted from the Client’s account[s] with the respective manager and a portion of the wealth management fee
may be provided to Dillow Wealth Management.

Financial Planning Services
Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the
financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Dillow Wealth Management, in
connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and
securities execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does
not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account
meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically
charges for mutual funds and other types of investments. The fees charged by Dillow Wealth Management are
separate and distinct from these custody and execution fees.

In addition, all fees paid to Dillow Wealth Management for investment advisory services are separate and distinct
from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and
expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay
management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account
reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the
...

Item 7 – Types of Clients

Dillow Wealth Management offers investment advisory services to individuals, high net worth individuals, trusts,
estates, businesses, and retirement plans. Dillow Wealth Management generally does not impose a minimum
relationship size.

                                             Dillow Wealth Management LLC
                                       700 Commerce Dr, Suite 500 Oak Brook, IL 60523
                                                   Phone: 224-330-9662