FSR Wealth Management Ltd

Item 5 – Fees and Compensation
A. Fee Schedule

Investment Management Services

Fees for investment management services are negotiable based upon various factors, including, but
not limited to; the specific investment management services that the client requires; the type of client;
the complexity of the client’s situation; the composition of the client’s account; the potential for
additional account deposits; and/or the total amount of Assets Under Management. Clients will be
charged an investment advisory fee based on the assets under management. The total investment
advisory fee for participation in the wrap fee program will not exceed 2.0% annually. The investment
advisory fee charged to each client includes a portion attributable to Wellment’s Advisory fee, the
Sub-Advisors fee, the model manager fee, if applicable, and transaction cost. Wellment will review
your personal situation, including investment objectives, financial goals and risk tolerance to
determine which model is most appropriate.

The cost of the model manager varies based on the selected model and is included in your investment
advisory fee. Clients may customize their portfolios through various enhanced programs, such as
direct indexing. Direct indexing involves investing directly in individual securities to replicate a specific
index and is designed to provide greater tax efficiency through tax-loss harvesting, as well as the
ability to align investments with personal values. Certain enhanced models or programs may carry
additional fees. Any applicable fees associated with these enhanced models / programs will be
outlined in your Investment Advisory Agreement. Please review the fee section of the Sub-Advisors
Firm Brochure and Wrap Fee Program Brochure for additional details.

Fees charged for investment management services are charged based on a percentage of assets
under management, billed in arrears on a monthly basis and calculated based on an average daily
balance of your account during the billing period. Investment management services fees are
deducted by the Sub-Advisor from the custodian. The Sub-Advisor remits Wellment’s portion of
the fee directly to Wellment.

Wellment Financial
Form ADV Part 2A Firm Brochure                       -7-

Use of Third-Party Platform – Client-Managed Accounts

Fees for services related to Client-Managed accounts consist of the Sub-Advisor RIA’s annual
platform fee, which is charged on a monthly basis. The current platform fee is $30 per year. As the
platform fee charged by the Sub-Advisor, Wellment has no control over the price of that service, nor
does it have any control over any changes to the fees. Currently, Wellment does not charge a
separate fee for this service and merely passes on its cost as an accommodation to Wellment clients.
Since Wellment does not provide any investment advice, but merely provides access to the platform,
any costs related to transactions conducted by the Wellment client using Client-Managed accounts
will be charged to the client. Transaction-based fees are based upon the custodian’s fee schedule
and Wellment does not share in any revenue derived from the transaction-based fees. Clients should
consult with their Wellment’s IAR to obtain a copy of the third-party custodian’s fee schedule to
understand the amount of the platform fees and the amount of transaction-based fees charged.

Fees paid by clients with Client-Managed accounts are paid directly to the Sub-Advisor and Wellment
is not paid for providing this service to its clients.

General Provisions Applicable to Investment Management Services and Client-Managed Accounts

For Investment Management Services, you may invest in mutual funds, exchange traded funds,
individual equities and/or individual bond holdings through the model portfolio selection service. The
fee you pay for Investment Management Services are separate and distinct from the fees and
expenses charged by mutual funds or exchange traded funds (described in each fund's prospectus)
to their shareholders. These fees will generally include a management fee and other fund expenses.

If you participate in the Client-Managed accommodation platform you will incur commissions as well
as other transaction-based fees, charged directly from the custodian.

Wellment believes that its fees for Investment Management Services are reasonable in relation to: (1)
the services provided and (2) the fees charged by other investment advisors offering similar
services/programs. However, our annual fee may be higher than that charged by other investment
advisers offering similar services/programs.

Fees for Investment Management Services and for the non-fiduciary services with respect to the
Client-Managed accounts will be deducted from the client’s account by the qualified custodian(s),
pursuant to authorization provided by the client to the qualified custodian(s). The client is required
to authorize the qualified custodian(s) of the client’s account to deduct fees from the client’s account
and pay such fees directly to the Sub-Advisor for allocation among the Sub-Advisor, Wellment and/or
any such sub-manager, as applicable. Clients should review their account statements received from
the qualified custodian(s) and verify that appropriate investment advisory fees are being deducted
appropriately since Wellment does not calculate the fees or cause the fees to be deducted. T he
qualified custodian(s) will not verify the accuracy of the investment advisory fees deducted.

You may terminate the investment management services upon 30-day written notice. You will incur
a pro rata charge for services rendered prior to the termination of the investment advisory agreement,
which means you will incur advisory fees only in proportion to the number of days in the month for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Wellment Financial
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Item 7 – Types of Clients
Wellment generally provides advisory services to individuals, high-net worth individuals, trusts,
corporations or business entities, profit sharing plans and retirement plans, including solo 401(k)
plans. Clients are required to enter into an agreement with Wellment in order to establish a client
arrangement with the Firm.

The account minimum is currently set at $250,000 in investable assets for Investment Management
Services. This minimum can be waived at the discretion of management.