FSB Premier Wealth Management Inc

Item 5: Fees and Compensation
    FSB Premier is compensated via fees paid by its clients. The fees vary based on which services are
    utilized (as described immediately above in Item 4).

    Portfolio Management – Assets Under Management (AUM) Fee
    FSB Premier charges an annual fee for managing clients’ portfolios expressed as a percentage of the
    amount being managed (“AUM Advisory Fee”). The following table shows the applicable percentage:

                 ACCOUNT ASSETS
               UNDER MANAGEMENT                              AUM ADVISORY FEES
                Less than $100,000                                 2.00%
                $100,00 - $500,000                                 1.50%
                 $500,000 and above                                1.25%

    This fee is not tiered and is applied at the account level. To clarify, when account assets under
    management are $500,000 and above, all dollars are assessed at 1.25%.

    Note that the AUM Advisory Fee is negotiable. Adjustments require the approval of the FSB CEO.

    FSB Premier considers cash to be a distinct asset class and the value of such assets are included in
    the AUM advisory fee calculation. When yields on cash/money market funds are low enough, the
    amount of income those investments generate will not exceed the dollar amount of the advisory fee
    that client accounts pay proportionately with respect to those assets. Consequently, clients will
    indirectly experience a negative effective return on any cash position during such periods of low
    yields/interest rates.

    Negotiable Fees
    Because our AUM advisory fees are negotiable, individual clients may pay different amounts for
    receiving the same or similar advisory services.

    Minimum AUM Advisory Fee
    Advisory accounts have a minimum AUM advisory fee of $500 per year. This amount is negotiable
    solely at the discretion of FSB Premier. Note that certain legacy clients/accounts have been retained
    for which this minimum is not applicable.

    Advisory Fees Paid in Advance
    Unless specifically stated otherwise, our AUM advisory fees are assessed on a quarterly basis in

FSB Premier Wealth Management, Inc.                 Brochure                                   March 27, 2026

    advance. This means you are charged for services provided in the following calendar quarter and not
    for past advice. Fees are calculated by assessing the appropriate percentage amount against the
    account balance as of the end of the prior quarter (e.g., 1.25% ÷ 4 × the previous quarter’s ending
    balance). Fees are generally automatically deducted from your advisory account. If you terminate
    your account prior to the end of a calendar quarter, we will refund unearned advisory fees. Any fee
    refund that is below $25 will not be refunded. The amount of any refund is based on the number of
    days remaining in the quarter after the effective date of the termination of FSB Premier’s advisory
    service.

    Advisory Programs May Be More Expensive
    Mutual funds and Exchange-Traded Funds (ETFs) held in your account(s) also charge portfolio
    management (aka advisory) fees and the funds bear other expenses associated with their operations.
    You pay these indirect fees and expenses which are deducted from the fund assets. These fees are in
    addition to the FSB AUM advisory fee. Therefore, you will pay two levels of advisory fees for the
    management of assets in connection with an investment in mutual funds and/or ETFs in your
    account, both directly to FSB Premier, and indirectly through the fund management fee. All fees and
    expenses reduce the return on your investment. It is always important to consider the total fees and
    expenses you will be charged in connection with any investment or service.

    Fee Schedules May Change
    In general, we may change our standard fee schedules at any time by providing you with 30 days
    advance notice.

    Additions and Withdrawals
    Clients may make additions to or withdrawals from their advisory account(s) at any time, subject to
    the Firm’s operating procedures. Additions may be in cash or securities, provided that the Firm
    reserves the right to decline particular securities into the account or to impose a waiting period
    before certain securities may be deposited and subsequently sold. For additions or withdrawals of
    $10,000 or more, AUM advisory fees are adjusted based on the number of days services are provided.

    Financial Planning Fees
    Because financial planning can range in complexity, we do not have a fee schedule for financial
    planning services. During your initial or subsequent meetings with your financial advisor, you will
    discuss an appropriate fee for the services provided to you. Some of the factors used to determine
    the appropriate fee are the time needed to create a customized plan as well as the complexity of the
    plan. FSB Premier will charge you either a flat/fixed fee or an hourly fee for financial planning work
    done on your behalf. A flat fee is a specified dollar amount you will pay for financial planning services.
    An hourly fee is a fee that is based on an hourly rate multiplied by the number of hours that your
    financial advisor needs to create your plan. FSB Premier’s hourly rate ranges from $250 to $300 per
    hour. This amount is negotiable solely at the discretion of FSB Premier.

    You may pay 50 percent of your financial planning fee when you sign the financial planning
    agreement and the other 50 percent of the fee at the time the financial plan is provided. Alternatively,
    you may pay your fee in whole upfront. FSB Premier will not accept prepayment of more than $1,200
    in fees, six months or more in advance.

    Consulting Service Fees
    As with financial planning, we do not have a standard fee schedule for consulting services. During
...

Item 7: Types of Clients
    Description
    FSB Premier generally provides advisory and consulting services to individuals, small businesses,
    trusts, estates, qualified plans, charitable organizations, and other institutions.

FSB Premier Wealth Management, Inc.                Brochure                                  March 27, 2026

    Minimum AUM Advisory Fee
    Advisory accounts have a minimum AUM advisory fee of $500 per year. This amount is negotiable
    solely at the discretion of FSB Premier. Note that certain legacy clients/accounts have been
    retained for which this minimum is not applicable.