DST Wealth Management LLC

Item 5: Fees and Compensation

We offer our services on a fee-only basis. Fees are charged in arrears on a monthly or quarterly
basis. Our fee may be calculated based upon the market value of the assets in your account on the
last day of the previous month or it may be based on the average daily balance in the account
depending on the program chosen.

Our management fee for the Adviser Managed Account is individually negotiated with each client
taking into account the specific needs of each customer. Our advisory fee will not exceed 2%. Fees
may be negotiable at the sole discretion of the adviser. Advisory fees are calculated on the total
value of your account including any margin balances. All flat fees are billed in arrears on a monthly
or quarterly basis. All flat fee arrangements must be approved, in writing, by the firm’s Chief
Compliance Officer.

Should you decide to utilize the services of The Estate Planning Team and a trust is created, you
may choose to have the Adviser manage that trust portfolio. If the trust selects the Adviser to
manage the trust account, our fee is individually negotiated with each trustee, taking into account
the specific needs of the trust. Clients are advised that our fees may be more or less costly than
other advisers. There is no requirement that the client engage the Adviser to manage the trust
portfolio or otherwise conduct business with the Adviser.

Both the third-party managers fee and the Advisers fee will calculate by the third-party manager
and a management fee will be charged for your account in accordance with their client agreement
and the disclosures in their Brochure. Fees in third-party management arrangements can range
from .50% to 2% depending on the program selected. Adviser is compensated from the fees
charged by the third-party adviser. For third-party Adviser fees in third-party programs may be
negotiable depending on the program selected. Please consult these program documents carefully
before investing.

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Broker-dealers and other financial institutions that hold client accounts are referred to as
custodians (“custodian/ broker-dealer”). Your custodian/broker-dealer determines the values of
the assets in your portfolio. Fees for the initial period are based on the value of your cash and
securities on the date the custodian/broker-dealer receives them and are prorated based upon the
number of calendar days in the calendar month that our agreement is in effect. Similar services
may be available from other registered investment advisers for lower fees.

General Fee Information
You must authorize us in writing to have the custodian pay us directly by charging your account.
Fees are deducted monthly.

Your custodian/broker-dealer provides you with statements that show the amount paid directly to
us. You should review and verify the calculation of our fees. Your custodian/broker-dealer does
not verify the accuracy of fee calculations.
In addition to our fee, you may be required to pay other charges such as: custodial fees, brokerage
commissions, transaction fees, SEC fees, internal fees and expenses charged by mutual funds or
exchange traded funds (“ETFs”), and other fees and taxes on brokerage accounts and securities
transactions.

Mutual fund companies, ETFs, and variable annuity issuers charge internal fees and expenses for
their products. These fees and expenses are in addition to any advisory fees charged by us.
Complete details of these internal fees and expenses are explained in the prospectus for each
investment. You are strongly encouraged to read these explanations before investing any money.
You may ask us any questions you have about fees and expenses. The Adviser will not receive any
portion of the additional fees that are paid by clients in connection custodian fees, mutual fund
expenses, brokerage fees, other transaction costs.

If you purchase mutual funds through the custodian/broker-dealer, you may pay a transaction fee
that would not be charged if the transactions were made directly through the mutual fund company.
Also, mutual funds held in accounts at brokerage firms may pay internal fees that are different
from funds held at the mutual fund company.

While you may purchase shares of mutual funds directly from the mutual fund company without
a transaction fee, those investments would not be part of our advisory relationship with you. This
means that they would not be included in our investment strategies, investment performance
monitoring, or portfolio reallocations.
Please be sure to read the section entitled “Brokerage Practices,” which follows later in this
brochure.
Advisory fees are charged in arrears on a monthly basis. Should you terminate the advisory
agreement we have entered into within five (5) business days from the date the agreement is
executed, you will receive a full refund of any fees paid.

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Adviser may, in its sole discretion, charge a flat advisory fee for clients that negotiate and agree to
that option.
Should either one of us terminate the advisory agreement we have entered into before the end of a
billing period, any unearned fees that were deducted from your account will be returned to you by
us. The amount refunded to you is calculated by dividing the most recent advisory fee you paid by
the total number of days in the month. This daily fee is then multiplied by the number of calendar
days in the month that our agreement was in effect. This amount, which equals the amount we
earned for the partial month, is subtracted from the total fee you paid in advance to determine your
refund.
Our IARs are also licensed with various insurance companies. Commissions may be earned by our
IARs if insurance products are purchased through these insurance companies.
We may receive benefits such as assistance with conferences and educational meetings from
product sponsors.
Our IARs may also recommend various asset management firms through their affiliation with
...

Item 7: Types of Clients
We provide advisory services primarily to individuals, and high net worth individuals, including
their trusts, estates and retirement accounts. We also provide services to corporations or business
entities. Certain Adviser approved Third Party Investment Advisory Services have a required
minimum dollar value for managing client assets ranging from $25,000 to $250,000.
There is no account minimum for the Adviser Managed Account Program.