Fulcrum Wealth Advisors LLC

Item 5 - Fees and Compensation
In most situations, the fees for services will be based on the amount of assets you have managed by
Fulcrum. You will sign an advisory agreement that will describe the investment management services to be
provided by Fulcrum, as well as the fees charged. Your advisory fees will be automatically deducted by
Fulcrum from your accounts on a quarterly basis. The fee will be charged in advance, meaning that the fee
will be collected at the beginning of the quarter. The fee will be a percentage of the value of all assets in
the Account(s) at the beginning of the calendar quarter. The fee is calculated by multiplying the Account(s)
value (including all positions in the account, cash, declared and paid dividends, accrued income and interest
payments) of the assets at the beginning of the calendar quarter by one-quarter of the Annual Advisory Fee
as noted in your Agreement.

All fees charged by Fulcrum for investment management services are separate and distinct and in addition
to the fees and expenses charged by mutual funds and exchange traded funds (ETFs). In these cases, the
fees and expenses are described in each fund's prospectus. These fees will generally include a
management fee, other fund expenses, and a possible distribution fee. Accordingly, you should review both
the fees charged by the funds/ETFs, custodian, Independent Managers and the fees charged by Fulcrum
to fully understand the total amount of fees to be paid. Additionally, the investments selected for you are
not exclusively available to Fulcrum and could be obtained through other firms.

The fees to be charged are shown on the advisory agreement but the standard advisory fee rates are as
follows:

                               Assets Managed                 Fee Rate

                               $0 to $2,000,000                 1.25%

                           $2,000,001 to $5,000,000             1.10%

                          $5,000,001 to $15,000,000             1.00%

                              $15,000,001 and up              negotiable

Financial Planning & Consulting Fees
Wealth Management clients typically receive our Financial Planning & Consulting services in connection
with the asset-based fees described above. Accordingly, the fees described in this section typically apply
to clients who wish to engage us for a financial plan without an Investment Management relationship. In
some cases, such as for very complex or unusual projects, we may enter into a separate consulting
agreement with a Wealth Management client, but the scope and fees would be made explicit in a separate
agreement.

Except as noted, Fees for Financial Planning & Consulting are based upon the amount of time it takes to
complete your plan or provide the consulting services at an hourly rate of $350 per hour.

We provide ERISA Consulting Services for $20 per month (no hourly fee).

Comprehensive Consulting for Investors Managing their Own Money is offered for $350 per hour.

The Financial Planning & Consulting agreement (“Planning Agreement”) you sign with Fulcrum will describe
the services to be provided and our estimate of the time to complete your plan. Fees may be lowered or
waived depending on the client and the complexity of the plan or the clients’ investment sophistication level.
In addition to Fulcrum’s Advisory Fees, you are also responsible for the transaction charges, fees and other
expenses charged and imposed by the firm who holds your assets (Custodian). In the event you or Fulcrum
terminates the advisory agreement during a quarter, the fee will be rebated for the portion of the quarter
where services were not provided. Asset based fees are pro-rated based upon the number of days the
account was under our management. Hourly fees are charged based upon the number of hours actually
expended on the financial plan. The termination date used is the date Fulcrum or Client notifies the other
party in writing (to address of record) of the termination. In the event the account is not available for
electronically debiting the fee, Advisor will send a check to the most recent address of record for the Client.
You may terminate this agreement within five (5) business days of the effective date of your agreement
without any penalty or fees.

Each time our fee is directly deducted from client accounts, we will send the qualified custodian notice of
the amount of the fee to be deducted from your account.

Third-Party Manager Fees
In addition to the fees you pay to Fulcrum, if all or a portion of your portfolio is managed by one or more
third-party managers, you will pay additional fees to that manager. These fees are charged as a percentage
of your assets under management and will be disclosed in a written Schwab Agreement.

Additional Compensation
Fulcrum does not receive any additional compensation outside of our advisory fees. However,
representatives of our firm may receive additional compensation through sales of insurance products. See
Item 10 of this Brochure and your representative’s ADV Part 2B Brochure Supplement for additional
information about such outside business activities, the additional compensation, and the conflicts of interest
inherent in such recommendations.

Item 7 - Types of Clients
Fulcrum clients are individuals with trust accounts, retirement, and non-retirement assets. Clients also
consist of banks, ERISA pension and profit-sharing plans, corporations, estates and charitable
organizations. The minimum account size for an advisory account client is $25,000, although this may be
waived in special situations such as for referrals from existing clients.