First Oak Wealth Management LLC

Item 5. Fees and Compensation
  First Oak offers services based upon assets under management or advisement.
  Portfolio Management Fees
  First Oak offers portfolio management services for an annualized asset management fee (the “Management
  Fee”) of the total value of the portfolio, per the following tiered* schedule:

                               From                        To                     Annual Rate
                               $0.00                  $5,000,000.00                  1.00%
                           5,000,001.00              $20,000,000.00                  0.75%
                           20,000,001.00                  and up                     0.50%

  *Fees based on the above table use a graduated rate based on tier breakpoints. Ex. $7,000,000.00 would be
  billed at 1.00% for the first $5,000,000.00 and 0.75% for the next $2,000,000.00.

  The Management Fee will be calculated and paid to First Oak each calendar quarter in advance based on the
  value of the Portfolio on the last business day of the previous calendar quarter. The Management Fee for partial
  periods, if applicable, will be prorated based on the number of days First Oak provided advice with respect to
  the Portfolio in the applicable quarter. For purposes of the Management Fee calculations, “value of the
  portfolio” means the sum of the fair market value of all of the holdings in the Portfolio. In calculating the
  market value of a client’s assets, assets allocated to cash or a cash proxy, such as a money market account,
  may be included in the calculation of assets under management. Equity securities listed or traded on a
  national securities exchange or quoted on the over-the-counter market are valued at the last sales price on the
  day of valuation or, if no sale price is reported, at the last bid price. Other assets and securities for which market
  quotations are not readily available are valued at fair market value as determined in good faith by First Oak.
  Privately offered securities will generally be valued at cost.

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Disclosure Brochure

  If assets in excess of $100,000 are deposited into or withdrawn from an account after the inception of a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. 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. Clients may terminate the Advisory Agreement by giving 30 days prior written notice of
  termination to the Firm.
  Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
  held-away assets, accommodation accounts, alternative investments, etc.), First Oak may negotiate a fee
  rate that differs from the range set forth above.
  High Net Worth Planning and Consulting Services Fees
  The rate for HNW Planning and Consulting Services is $1,000/hour. The fee for service will be determined
  upfront based on the anticipated scope of the project.
  Fee Discretion
  First Oak may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
  anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
  managed, related accounts, account composition, pre-existing/legacy client relationship, account retention
  and pro bono activities.
  Additional Fees and Expenses
  In addition to the advisory fees paid to First Oak, clients also incur certain charges imposed by other third
  parties, such as broker-dealers, custodians, trust companies, banks, and other financial institutions
  (collectively “Financial Institutions”). These additional charges include transaction fees, custodial fees,
  reporting charges, fees charged by the Independent Managers, 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 brokerage accounts and securities transactions. The Firm’s brokerage
  practices are described at length in Item 12, below.
  Direct Fee Debit
  Clients provide First Oak and/or certain Independent Managers 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 all account transactions, including any amounts
  paid to First Oak.
  Account Additions and Withdrawals
  Clients can make additions to, and withdrawals from, their account at any time, subject to First Oak’s right
  to terminate an account. Additions can be in cash or securities provided that the Firm reserves the right to
  liquidate any transferred securities or declines to accept particular securities into a client’s account. Clients
  can withdraw account assets on notice to First Oak, subject to the usual and customary securities settlement
  procedures. However, the Firm designs its portfolios as long-term investments, and the withdrawal of assets
  may impair the achievement of a client’s investment objectives. First Oak may consult with its clients about
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Disclosure Brochure

  the options and implications of transferring securities. Clients are advised that when transferred securities
  are liquidated, they may be subject to transaction fees, short-term redemption fees, fees assessed at the
...

Item 7. Types of Clients
  First Oak offers services to individuals, high net worth individuals, pension and profit-sharing plans,
  corporations, charitable accounts, and trusts.
  Minimum Account Requirements
  First Oak does not impose a stated minimum fee or minimum portfolio value for starting and maintaining
  an investment management relationship. Certain Independent Managers may, however, impose more
  restrictive account requirements and billing practices from the Firm. In these instances, First Oak may alter
  its corresponding account requirements and/or billing practices to accommodate those of the Independent
  Managers.