GW Financial Inc

Item 5 Fees and Compensation

Overview

GWF bases its fees on a percentage of assets under management (AUM) or fixed fees for advisory and consulting
services. Fees are determined based on the complexity of the client’s financial situation and the scope of services
provided.

GWF does not aim to offer the lowest-cost financial advice but instead focuses on providing high-value, fee-only
financial planning and investment management. Clients may find similar services at a lower cost from other firms or
institutions. GWF encourages the use of discount brokers and no-load funds but does not determine the lowest-
cost provider for transactions. Currently, GWF uses Charles Schwab & Co., Inc. as its preferred custodian and
does not accept commissions, kickbacks, rebates, soft-dollar reimbursements, or any third-party compensation.

All services are provided on a transparent, fee-only basis, with clients paying GWF directly. The initial consultation
is offered free of charge and serves as an exploratory session to determine whether financial planning or
investment management services would be beneficial to the client.

Fee Schedules

Wealth Management (WM)

GWF offers Wealth Management Silver (WM-Silver) and Wealth Management Advanced (WM-Advanced) as
comprehensive advisory services that include both financial planning and investment management. All new clients
must engage under one of these service levels.

For WM-Silver, clients with less than $2 million in assets under management (AUM) receive ongoing financial
planning and investment management without a minimum investment requirement.

For WM-Advanced, clients with more complex needs receive enhanced planning services, including multi-
generational wealth transfer, philanthropic strategies, and estate coordination.

Clients in both service tiers receive quarterly financial planning meetings, personalized financial plan updates,
investment management, tax planning, Required Minimum Distribution (RMD) strategies, beneficiary reviews, and
coordination with estate attorneys and tax professionals as needed.

All new clients fall under either WM-Silver or WM-Advanced.

Investment Management (IM) – Closed to New Clients

Investment Management as a standalone service is only available to existing clients who have been with the firm
prior to 2020. New clients must engage in Wealth Management services.

Standalone IM clients who wish to receive ongoing financial planning services must transition to WM-Silver or WM-
Advanced.

All clients, fees follow a tiered structure:
Assets Under Management (AUM) Annual Fee
First $2,000,000                      1.00%
Next $2,000,000                       0.80%
Next $2,000,000                       0.40%
Next $4,000,000                       0.20%
Above $10,000,000                     Negotiated

Financial Consulting Services

For clients seeking financial guidance on specific topics without an ongoing advisory relationship, GWF offers
standalone financial consulting sessions.

Flat Fee: $500 per session

Session Duration: 90 minutes

These consultations provide recommendations on retirement planning, estate planning, tax strategies, real estate,
mortgages, debt, and insurance but do not include investment advice. Sessions are verbal and do not include a
formal written summary. Consulting is based solely on the documents and information provided at the time of the
meeting.

Additional Considerations

GWF, at its sole discretion, may waive minimum fees or adjust investment advisory fees for certain legacy clients.
Clients who engage GWF for multiple services may see their total fees adjusted accordingly.

All fees are agreed upon before engagement and are exclusive of transaction costs, mutual fund expenses, and
any custodial fees charged by third parties. GWF does not share in any of these costs and remains fully
independent in its recommendations.

Selection of Other Advisers

We do not charge you a separate fee for the selection of other advisers. We will share in the advisory fee you
pay directly to the TPMM. The advisory fee you pay to the TPMM is established and payable in accordance
with the brochure provided by each TPMM to whom you are referred. These fees may or may not be
negotiable. Our compensation may differ depending upon the individual agreement we have with each TPMM.
As such, a conflict of interest exists where our firm or persons associated with our firm has an incentive to
recommend one TPMM over another TPMM with whom we have more favorable compensation arrangements
or other advisory programs offered by TPMMs with whom we have less or no compensation arrangements.

You may be required to sign an agreement directly with the recommended TPMM(s). You may terminate your
advisory relationship with the TPMM according to the terms of your agreement with the TPMM. You should
review each TPMM's brochure for specific information on how you may terminate your advisory relationship
with the TPMM and how you may receive a refund, if applicable. You should contact the TPMM directly for
questions regarding your advisory agreement with the TPMM.

Fee Billing Methods

In the Wealth Management services described above, fees may be paid monthly or quarterly. The client may
cancel the service within the first five (5) days for a full refund of all fees paid. If the client cancels the service after
five (5) days, fees will be prorated through the date of termination, and any unearned fees paid in advance will be
refunded to the client. Fees may be negotiated at the discretion of the firm.

Investment Management fees are collected quarterly, in advance. If the investment management relationship is
terminated during a billing period, fees will be prorated through the date of termination, and any unearned fees will
be refunded.

For Investment Management Services, fees are typically deducted from a designated client account. The client
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Item 7 Types of Clients

Overview

GWF generally offers investment advice to individuals, pension and profit-sharing plans, trusts, estates, or
charitable organizations, corporations, or business entities. In addition, GWF has among its clientele several
non-profit organizations.

Account Minimums

In general, GWF requires a minimum investment of $1,000,000 to open and maintain an Investment
Management advisory account. At our discretion, we may waive this minimum account size. For example, we
may waive the minimum if you appear to have significant potential for increasing your assets under our
management.