Haven Wealth Group LLC

Item 5 Fees and Compensation

   A. Haven Wealth Group charges a fee for the discretionary management of the client’s accounts based on
      the total value of their assets under management. The following represents Haven’s fee schedule based
      on the value of assets under management at the end of each calendar month:

                        Portfolio Balance                                   Annual Rate

               a. Relationships Under $500,000                                   Fee
                       Investments up to $499,999                                2.00%

               b. Relationships Between $500,000 and $999,999                    Fee
                      Investments up to $999,999                                 1.80%

               c. Relationships Greater than $1,000,000                          Fee
                       Investments up to $2,000,000                              1.50%
                       The Next $1,000,000                                       1.25%
                       The Next $2,000,000                                       0.80%
                       Amounts exceeding $5,000,000                              0.50%

               d. Money Market Only Account Fee                                  0.20%

       Fees may be negotiated for valid business reasons. Any negotiated fee arrangement must be approved
       by an executive officer of the firm.

   B. Haven Wealth Group charges a Research, Trading and Service Management Fee. The following
      represents this fee based on the value of assets under management at the end of each calendar month:

                       Portfolio Balance                                         Annual Rate

                       All balances                                              0.05%

       Haven Wealth Group charges this fee to offset the cost of research and related services that benefit
       both clients and the Firm, creating a potential conflict of interest. These services may include market
       data, security valuation tools, portfolio analysis and reporting software. The Firm receives mixed-use
       services from certain vendors, requiring judgment in determining whether costs are treated as research
       or Firm overhead. Haven’s 401(k) clients do not pay this fee but may benefit from these services. The
       fee may be reduced as assets under management increase.

   C. Haven Wealth Group maintains a standalone procedure for its fee billing process as outlined below:

       Investment Management Fees:
           • Account values used to determine fees are based on a data download from the custodian,
              Charles Schwab, as of the last trading day of the month.
           • Fees are applied on a monthly basis, in arrears. For example, the fee deducted in February is
              based on the portfolio market value on January 31st of the prior month. This portfolio market

                                     Haven Wealth Group ADV
                                        February 18, 2026

            value is multiplied by the Annual Fee rate for the relationship. This figure is then divided by
            twelve to arrive at a monthly fee. The fee assessed does not depend on the number of days in
            the month.
        •   Haven Wealth Group reserves the right to charge fees on the first day assets transfer into the
            account at Schwab. However, we typically charge fees based on when the client assets are
            rebalanced and invested in securities.
        •   Haven Wealth Group combines related accounts for fee billing purposes to lower overall fees
            for families. We use our discretion to group parents, spouses, children, grandchildren, great
            grandchildren, and other relationships together. Grouping related accounts is discussed with
            clients before an account transitions to Haven Wealth Group. Fees for relationships with more
            than $1,000,000 in aggregate assets (calculated as the combined assets of all households
            within the relationship) are assessed on a blended, tiered basis, so that each household benefits
            from the lower fees applicable at higher asset levels.
        •   At a client’s request, Haven can crossbill certain client accounts where all fees are deducted
            from one account.
        •   Haven Wealth Group does not bill fees based on margin and does not trade on margin loans.
        •   Haven does permit negotiated fee agreements that allow for the exclusion of assets from billing,
            such as cash balances or highly concentrated stock positions that will not be actively managed.

    Financial Planning Fees
    Clients sign a Financial Planning agreement before beginning a plan. The Financial Planning agreement
    discloses the cost of the Financial Plan to the client. Financial Plans require clients to provide substantial
    information about their finances. Should a Financial Plan be incomplete due to lack of response from a
    client, Haven reserves the right to bill the client for the time spent constructing the plan. Clients are
    notified of this in the Financial Planning agreement.

    For completed plans, Haven bills clients following the completion and presentation of the Financial Plan.
    Clients pay this fee directly to Haven Wealth Group in the form of a check.

D. HWG currently custodies client assets at Charles Schwab. Schwab accesses fees for certain services.
   These fees are disclosed on the monthly statements and on trade confirmations. Additional information
   regarding these fees is available in the Charles Schwab Pricing Guide, which may be requested by
   emailing haven@havenwg.com.

E. Clients are never billed or charged in advance.

F. Neither HWG nor its supervised persons accept compensation for the sale of securities or other
...

Item 7 Types of Clients

   HWG manages investments for high net worth individuals, foundations, 401(k) plans, pensions,
   endowments, and some corporations. The minimum desired relationship size is $1,000,000. However, the
   company will open accounts for individuals and entities with a lesser amount if there is a good prospect that
   the assets under management will grow over time. The relationship size is used by the company rather than
   account size, as many individual investors have investments split between taxable accounts and tax-
   deferred accounts of various sizes for different family members.

                                       Haven Wealth Group ADV
                                          February 18, 2026