Dogwood 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 the services described herein shall be required to enter into one or
more written agreements with the Advisor.

A. Fees for Advisory Services
Investment Management Services
The specific manner in which fees are charged is established in the investment advisory agreement. This
agreement and/or a separate agreement with the custodian authorizes us to invoice the custodian for the advisory
fee. Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees will be adjusted based on in-flows
and out-flows in the amount of $10,000 or more that occur in Client’s Account during the prior calendar quarter. For
new Clients, if assets are deposited into an account after the inception of a billing period, the fee payable with
respect to such assets will be prorated based on the number of days remaining in the quarter. Investment advisory
fees are based on the following schedule:

                  Assets Under Management ($)             Annual Rate (%)
                  Up to $500,000                               1.20%
                  $500,001 to $1,000,000                       1.10%
                  $1,000,001 to $2,000,000                     1.00%
                  $2,000,001 to $3,000,000                     0.90%
                  $3,000,001 to $5,000,000                     0.75%
                  Over $5,000,000                              0.60%

The investment advisory 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 based on factors such as account
size, services provided and overall client relationship. The Client’s fees will take into consideration the aggregate
Assets Under Management with the Advisor. All securities held in accounts managed by Dogwood Wealth will be
independently valued by the Custodian. Dogwood Wealth will not have the authority or responsibility to value
portfolio securities. The Client authorizes the Custodian to deduct fees directly from the account. Upon termination
of the advisory relationship, any unearned prepaid fees will be refunded to the Client on a pro rata basis based on
the number of days remaining in the billing period.

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.

Financial Planning Services
If agreed upon with the client and documented in the investment advisory agreement, Dogwood Wealth will include
financial planning as part of an ongoing investment management engagement at no extra charge. For Clients
engaged separately, Dogwood Wealth offers financial planning services for a fixed engagement fee. Fixed fee
engagements are based on the expected number of hours to complete the engagement at the Advisor’s hourly rate of
$250 per hour. 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 hours and/or total costs will be provided to the Client
prior to engaging for these services.

For clients enrolled in the Elements financial planning service, the fee is $80 per month, billed monthly in advance.
This service is offered on a month-to-month basis and can be canceled at any time. Fees are not tied to investment

performance and are non-negotiable. The Elements program is offered independently of investment management
services. If we agree to provide investment advisory services to Client’s account(s) as part of the Elements
relationship under a separate addendum, our typical advisory fee schedule and billing methods disclosed above will
apply to these accounts.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00% and are billed in
advance of each quarter, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are
based on the market value of assets under management at the end of the prior calendar quarter. Fees may be
negotiable depending on the size and complexity of the Plan.

B. Fee Billing
Investment Management Services
Investment advisory 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. Fees are billed quarterly in advance by applying the
quarterly rate (annual rate divided by 4) to the value of assets under management as of the last day of the prior
calendar quarter. The Firm has established a de minimis threshold for inflows and outflows of $10,000 or greater over
the quarter for administrative efficiency. Fees are prorated for contributions and withdrawals and upon termination,
based on the number of days services are provided during the billing period. Clients will be provided with a statement,
at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also
review 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 Dogwood Wealth to be paid directly from
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Item 7: Types of Clients

Dogwood Wealth offers investment advisory services to individuals, high net worth individuals, trusts, estates,
businesses, and retirement plans. The amount of each type of Client is available on Dogwood Wealth’s Form ADV
Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Dogwood Wealth
generally does not impose a minimum relationship size.