Flourish Wealth Management Inc

Item 5 – Fees and Compensation
In certain circumstances, all fees, account minimums and their applications to family or other
circumstances may be negotiable. Individual accounts for immediate family members (such as
spouses and dependent children) are aggregated, and the fee is charged based on the total value of
all family members’ accounts.

The specific manner in which fees are charged by Flourish is established in a client’s written
agreement with Flourish. Generally, Wealth Management and Investment Management and
Employee Benefit Plan clients will be invoiced in advance at the beginning of each calendar quarter
based upon the value (market value based on independent third party sources or fair market value
in the absence of market value; client account balances on which Flourish calculates fees may vary
from account custodial statements based on independent valuations and other accounting
variances, including mechanisms for including accrued interest in account statements) of the
client’s account at the end of the previous quarter. New accounts are charged a prorated fee for the
remainder of the quarter in which the account is incepted or will not be billed until the next quarter.

Flourish will request authority from the client to receive quarterly payments directly from the
client's account held by an independent custodian. Clients will receive custodial statements showing
the advisory fees debited from their account(s).

A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30
days written notice. Upon termination of any account at any time after the required 30-day notice,
any prepaid, unearned fees will be promptly refunded. Flourish collects fees in advance. Refunds for
fees paid in advance will be returned within fourteen days to the client via check or return deposit
back into the client’s account. For all asset-based fees paid in advance, the fee refunded will be the
balance of the fees collected in advance minus the daily rate* times the number of days in the billing
period up to and including the day of termination. (*The daily rate is calculated by dividing the
annual asset-based fee rate by 365.)

Flourish’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses which shall be incurred by the client. Clients may incur certain charges imposed by
custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees,
and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and ETFs
also charge internal management fees, which are disclosed in a fund’s prospectus. These fees will
generally include a management fee and other fund expenses. All fees paid to Flourish for Wealth
Management and Investment Management Services are separate and distinct from the fees and
expenses charged by mutual funds and ETFs to their shareholders. The services provided by
Flourish are designed, among other things, to assist the client in determining which mutual fund,
ETF or funds are most appropriate to each client's financial condition and objectives. Accordingly,
the client should review both the fees charged by the funds and the fees charged by Flourish to fully

understand the total amount of fees to be paid by the client and to thereby evaluate the advisory
services being provided.

Such charges, fees and commissions are exclusive of and in addition to Flourish’s fee, and Flourish
shall not receive any portion of these commissions, fees, and costs.

Advisory Fees

Wealth Management Services:

The annual fee for wealth management services will be charged as a percentage of assets under
management, according to the schedule below:

                  Total Assets Under Management                    Annual Fee
                First $0 - $1,000,000                    1.00%

                Next $1,000,001 - $5,000,000             0.80%

                Next $5,000,001 - $10,000,000            0.60%

                Next $10,000,001 - $15,000,000           0.40%

                $15,000,001 plus                         negotiable

The fee schedule may be amended from time to time by Flourish upon at least forty-five (45) days
advance written notice to client, subject to client’s right to terminate the investment advisory
agreement before an increased fee schedule takes effect upon at least thirty (30) days written notice
to Flourish.

Flourish generally requires a minimum account size or client relationship of $1,000,000 or a
minimum annual fee of $10,000 for Wealth Management Services. Client accounts where the total
balance of all accounts is less than $1,000,000 or minimum annual fee of $10,000 will be accepted
only on a case-by-case basis based on certain criteria (e.g. future earning capacity, anticipated future
additional assets, related accounts, family relationships and pro bono work).

As a fee-only advisor, Flourish does not receive any other form of compensation. For example, we do
not receive any payments or commission from fund or insurance companies. We believe this policy
helps mitigate the conflict of interests inherent when a firm receives compensation based on the
sale of specific securities or investment products.

Separate Financial Planning Services:

Although Flourish recommends an ongoing relationship that includes Wealth Management and
Investment Management Services, Flourish occasionally offers a fixed or an hourly fee. Flourish
Financial Planning Services fees are determined based on the nature of the services being provided
and the complexity of each client’s circumstances. These fees generally range from $7,500 to
$30,000 on a fixed fee basis and/or from $150 to $400 on an hourly rate basis, depending upon the
level and scope of the services and the professional engaged to render the services.
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Item 7 – Types of Clients
Flourish provides services to individuals, including high net worth individuals, trusts and
foundations trusts, qualified retirement plans, charitable organizations and businesses.