Earned Wealth Advisors LLC

Item 5 – Fees and Compensation
Earned Wealth Advisors offers services on a fee basis, which includes fixed fees, as
well as fees based on assets under management. Different clients joined the Firm at
different time periods resulting in minimum account requirements and advisory fees that
can vary among clients. Earned Wealth Advisors may, in its sole discretion, elect to
charge a lesser fees (including the minimum fee) based upon certain criteria, including
anticipated future earning capacity, anticipated future additional assets, dollar amount of
assets to be managed, related accounts, account composition, pre-existing client,
account retention, and pro bono activities.

Financial Planning

Earned Wealth Advisors provides financial planning as part of the relationship with
clients but at times may charge a fixed fee for providing financial planning and
consulting services under a separate written engagement. Fixed fees are negotiable but
generally range from $2,500 to $15,000 determined by a combination of the scope and
complexity of the engagement. Generally, the Firm requires payment of the financial
planning and consulting fee upon entering the written agreement for those services. Any
remaining or additional fee for such services is then due upon final delivery of the
services. If the client engages the Firm for additional investment advisory services,
Earned Wealth Advisors can offset all or a portion of its fees for those services based
upon the amount paid for the financial planning and/or consulting services.

The contract may be terminated by either party upon 30 days’ written notice. The client
will be billed for time spent and costs incurred up to the date of termination.

Wealth Management Services
For wealth management, clients pay an annual fee based on the amount of assets
under the Firm’s management.

In determining the valuation of billing purposes, the Firm includes cash in a client’s
account. Earned Wealth Advisors may, in its sole discretion, not include cash in
determining the fee, especially where a client has a high percentage of cash for reasons
other than Earned Wealth Advisors' investment management decision.

During the beginning of a wealth management engagement, the client transfers assets
to the custodian where the Firm has a relationship. The Firm will not, however, begin
managing the assets until the financial plan is complete, which can take up to four
months. During that time, the Firm does charge the Wealth Management Fee to
compensate for the financial planning and consulting services, but the Firm is not
managing the assets. This can result in clients missing out on financial gains.

For the initial period of an engagement, the fee is calculated on a pro-rata basis. In the
event the advisory agreement is terminated, the fee for the final billing period is prorated
through the effective date of the termination and the outstanding or unearned portion of
the fee is charged or refunded to the client, as appropriate.

                            Portfolio Value              Base Fee
                         On the First $250,000*           1.50%
                         On the Next $250,000             1.10%
                         On the Next $500,000             0.95%
                        On the Next $1,000,000            0.85%
                        On the Next $3,000,000            0.75%
                        On the Next $5,000,000            0.70%
                        On the Next $15,000,000           0.45%
                        On the Next $25,000,000           0.30%
                        On all amounts thereafter         0.15%

* As a condition for starting and maintaining an asset-based fee wealth management
relationship, Earned Wealth Advisors imposes a minimum annual fee of $2,400
(assessed quarterly, in arrears, pro rata). This minimum fee will cause clients with
smaller portfolios to incur an effective fee rate that is higher than the Firm’s stated fee.

For assets held at a custodian that is not directly accessible by Earned Wealth Advisors
("Held Away Accounts"), Earned Wealth Advisors may, but is not required to, manage
these Held Away Accounts using Pontera. Pontera allows the Firm to view and manage
assets. The annual fee for investment management services for Held Away Accounts
will follow the Firm’s fee schedule as noted above. The fees will not be deducted directly
from the accounts managed through Pontera. The client does not pay an additional fee
for Pontera. Clients will give written authorization to deduct the Firm’s fees from an
account managed by the Firm. In the event there isn’t an account to deduct the fee
from, the fee will be collected via credit card or ACH. Further, the qualified custodian will
deliver an account statement to clients at least quarterly. These account statements will
show all disbursements in the account.

The asset-based fee is charged quarterly, in arrears, based upon the average daily
market value of the assets being managed by Earned Wealth Advisors during the
quarter. The valuation is determined by a party independent from the Firm (including the
client’s custodian or another third party).

Wealth Management Services – OJM Group Legacy Clients

Clients of the former OJM Group now under Earned Wealth Advisors will continue to
receive investment management services for an annual fee based upon a percentage of
the market value of the assets being managed by the Firm based on the following
schedule:

                            Portfolio Value            Base Fee
                           Up to $1,000,000             1.50%
                        $1,000,001 - $3,000,000         1.00%
                       $3,000,001 - $10,000,000         0.75%
                          Above $10,000,000          as negotiated

OJM legacy clients’ annual fee is prorated and charged quarterly, in arrears, based
upon the market value of the assets being managed by OJM on the last day of the
...

Item 7 – Types of Clients
Earned Wealth Advisors offers services to individuals, qualified retirement plans, trusts,
estates, corporations, charitable and tax-exempt entities, and other business entities
with a focus on physicians, dentists, and their employees and practices.

Minimum Account Size and Account Fee

Generally, for new wealth management clients there is a minimum portfolio size of
$250,000. Certain legacy clients may have a smaller account size, at the Firm’s
discretion. As stated above in Item 5, as a condition for starting and maintaining an
asset-based fee wealth management relationship, Earned Wealth Advisors imposes a
minimum annual fee of $2,400 (assessed quarterly, in arrears, pro rata). This minimum
fee will cause clients with smaller portfolios to incur an effective fee rate that is higher
than the Firm’s stated fee.

Retirement Plan Services

Generally, these clients are the employee benefit plans established by the medical or
dental practice businesses of the physicians and dentists who may also be our
individual wealth management clients. Earned Wealth Advisors works with the plan
sponsor, fiduciaries, and administrators of the plans to provide the services discussed
above.

For these clients, there is a minimum annual fee of $3,000 (assessed quarterly). This
minimum fee will cause clients with smaller retirement plans to incur an effective fee
rate that is higher than the Firm’s stated fee.