Harding Wealth Inc

Item 5: Fees and Compensation

A. Fee Schedule

Asset-Based Fees for Portfolio Management

        Total Assets Under Management          Annual Fee

        $0 to $2,500,000                       1.00%

        Over $2,500,000                        0.50%

Lower fees for comparable services may be available from other sources.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the Investment Advisory Contract. Clients may terminate the agreement without penalty
for a full refund of HW's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

HW, in its discretion, may negotiate fees based upon individual account criteria such as
anticipated future assets, client’s unique circumstances, and additional services
performed. Our fees may be higher or lower than fees charged by other financial
professionals offering similar services. HW reserves the right to modify its fee schedule in
the future by providing 30 days advance notice of any modification. HW, in its discretion,
may also reserve the right to reduce client fees without 30 days’ notice.

*a $100 annual fee may be assessed on accounts with values below $50,000. This fee is
used to partially defer technology costs. For account values of less than $10,000, this may
equate to be more than the maximum stated 1% as stated in this Form ADV and the
Agreement

HW uses the value of the account as of the last business day of the prior billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

Financial Planning Fees

Clients may terminate the agreement without penalty for a full refund of HW's fees within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

HW also provides education to 401(k) plan participants. It is an annual fee (fixed to
$4,000/year) paid quarterly, that does not pertain to plan assets Specific advice and
management for the account(s) are not provided.

The negotiated fixed rate for creating client financial plans is between $100 and $5,000.
Fees are charged in arrears upon completion.

B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

The custodian is provided with the applicable fee schedule upon commencement of the
client’s account opening, will calculate the advisory fees, and will issue to the client a
statement of advisory fees each billing period. HW itself does not provide separate
invoices.

Payment of Financial Planning Fees

Financial planning fees are paid via check and cash, in arrears upon completion.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by HW. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

       D. Prepayment of Fees

       HW collects certain fees in advance and certain fees in arrears, as indicated above.
       Refunds for fees paid in advance will be returned within fourteen days to the client via
       check, or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
       the fees collected in advance minus the daily rate* times the number of days elapsed in
       the billing period up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee rate by 365.)

       E. Outside Compensation For the Sale of Securities to Clients

       Neither HW nor its supervised persons accept any compensation for the sale of securities
       or other investment products, including asset-based sales charges or service fees from the
       sale of mutual funds.

Item 7: Types of Clients

HW generally provides advisory services to the following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals

Minimum Account Size

There is no account minimum for any of HW’s services.