Grand Wealth Management LLC

ITEM 5 – FEES AND COMPENSATION
Except as indicated, fees are calculated as a percentage of assets under management and billed
quarterly in advance of services. Fees are based on the billable balance on the last trading day of
the preceding calendar quarter. The billable balance is based upon the market value of the assets
under management as displayed in the portfolio management system. Accounts with margin will
be billed based on the absolute value of the account. Fees are prorated for deposits and
withdrawals within the calendar quarter or where services are initiated at any time other than the
beginning of a calendar quarter. Fee proration terms are laid out in the client’s investment
management agreement. In our sole discretion, we may negotiate to charge a lesser management
fee or waive account minimum requirements.

Wealth Management Fees
Wealth management services are designed for those with $2 million or more of investment assets.
The annual wealth management fee is as follows, subject to a minimum quarterly fee of $2,500:

                     First $2 million of assets            1.00%
                     Next $2 million of assets             0.80%
                     Next $2 million of assets             0.60%
                     Next $4 million of assets             0.50%
                     Next $15 million of assets            0.40%
                     Assets over $25 million               0.30%

At our discretion, we may extend wealth management services to those who have less than $2
million of investment assets but who are on a path to reach $2 million or more at their targeted
retirement date. For these emerging wealth management clients, a lower minimum quarterly fee of
$1,875 will apply.

In certain other cases, the wealth management fee may be modified and based on the nature of
services to be provided, types of investments, portfolio makeup, and/or the complexity of the client’s
situation. Wealth management fees are determined at the time of engagement at our discretion
and are specifically outlined in the client’s investment management agreement.

Institutional Investment Management Fees
The annual institutional investment management fee is as follows, subject to a minimum quarterly
fee of $2,500:

                     First $2 million of assets            0.80%
                     Next $2 million of assets             0.60%
                     Next $2 million of assets             0.50%
                     Next $4 million of assets             0.40%
                     Assets over $10 million               0.30%

In certain cases, the institutional investment management fee may be modified and based on the
nature of services to be provided, types of investments, portfolio makeup, and/or the complexity of
the client’s situation. Institutional investment management fees are determined at the time of
engagement at our discretion and fees are specifically outlined in the client’s investment
management agreement.

DISCLOSURE BROCHURE (FORM ADV PART 2A)                                                       PAGE 7

GRAND WEALTH MANAGEMENT, LLC

Use of Independent Managers Clients with independent managers recommended by Grand
Wealth Management will be billed in accordance with the client’s investment advisory agreement
with the Independent Manager in addition to the Grand Wealth Management advisory fee.

Retirement Plan Advisory Fees

Retirement plan advisory fees are negotiable and based on the nature and scope of services to be
provided, the level of fiduciary responsibility assumed, the complexity and size of the plan, and/or
other unique characteristics of the engagement. Our annual retirement plan advisory fees generally
range from 0.10% to 0.75% of assets. In certain cases, we may impose a minimum quarterly fee
or provide the services on a flat fee basis. Retirement plan advisory fees are determined at the time
of engagement at our discretion and are specifically outlined in the client’s investment fiduciary and
retirement plan consulting agreement.

Portfolio Management Fees

The annual portfolio management fee is 1.00% of assets, subject to a minimum quarterly fee of
$1,250. In certain cases, the portfolio management fee may be modified and based on the nature
of services to be provided, types of investments, portfolio makeup, and/or the complexity of the
client’s situation. Portfolio management fees are determined at the time of engagement at our
discretion and fees are specifically outlined in the client’s investment management agreement. If a
portfolio management client’s assets increase to a level above $2 million, the wealth management
fee schedule and service offering will apply.

Financial Planning and Consulting Fees

Fees for financial planning and consulting are calculated at a maximum hourly rate of $500,
depending upon the complexity, nature of services or expertise required. An estimate is provided
before services are performed, and we may require a retainer equal to one-half of the projected fee
in order to schedule projects. Fees or project balances for financial planning and consulting are
due and payable upon delivery of the services. We generally require a minimum engagement fee
of $2,500.

Collection of Fees and Termination of Services
Payment of investment advisory fees is typically made through a debit directly to the client’s
account by the “qualified custodian” holding the client’s funds.

Investment management services are ongoing but clients can terminate the investment
management agreement at any time with written notice. In such cases, we will promptly return a
pro-rata refund of any unearned advisory fees. The client will be responsible for advisory fees up
to and including the effective date of termination.

In the event that a client should wish to terminate their relationship with the Independent Manager,
the terms for termination will be set forth in the respective agreement(s) with the Independent
...

ITEM 7 – TYPES OF CLIENTS
Grand Wealth Management provides advisory services to individuals, families and institutions.
Wealth management and portfolio management services are provided to individuals, including
business owners, professionals, executives, retirees and their family members. Institutional
investment management and retirement plan advisory services are provided to foundations and
endowments, qualified retirement plans, corporations and other business entities.

As described in Fees and Compensation above, we require minimum fees and/or asset levels for
each of our services. We reserve the right to decline services to any person or firm for any reason
at our discretion. We also reserve the right to reduce or waive minimum conditions based upon
special client circumstances, a pre-existing relationship (e.g., family or client), the ability to achieve
a portfolio size that supports the minimum fee within a short period of time, or other conditions.