Heritage Oak Wealth Advisors LLC

ITEM 5   Fees and Compensation
         ANNUAL FEES FOR ADVISORY SERVICES
         Heritage Oak is compensated for providing asset management services by charging a negotiable fee based
         on the total assets under management. The fees and billing will be pre-determined in writing in the

Investment Advisory Agreement executed by you and Heritage Oak.
The fees charged for financial planning services are negotiable and vary depending on the complexity of
the process undertaken, the types of issues addressed, the scope of services provided, and the frequency
with which the services are rendered. All fees are agreed upon before entering the Financial Planning and
Consulting Agreement you sign.
Fees for retirement plan services are negotiated before the signing of the Retirement Plan Advisory and
Consulting Agreement. The agreement language includes the negotiated fee, which can be charged as a
percentage of the total retirement plan assets and/or a flat annual fee.
The below ranges are the standard fee ranges that are typically charged. We can waive the agreed-upon
financial planning fees if you engage our asset management services.

                   Asset Management Fee Schedule
                               All Assets                        Up to 1.25%

                   Financial Planning and Consulting Fee Schedule
                               Hourly Fee                           $250
                               Fixed Fee                       $1,000 - $5,000
                          Annual Retainer Fee                  $1,000 - $5,000

                   Retirement Plan Advisory and Consulting Fee Schedule
                       Percentage of Plan Assets                 Up to 1.25%

FEE BILLING & PAYMENT
Our asset management fees are annual fees and are negotiable. Asset management fees are paid monthly
in advance. Payments are due on the first day of the calendar month and are based on the account’s asset
value as of the first business day of the month multiplied by the applicable annual rate and divided by
twelve (12). The fee for the current month is billed and payable within ten (10) days after the end of the
prior month. We will deduct our asset management fee only when in receipt of your written authorization
by executing an investment advisory agreement permitting the fees to be paid directly from your account.
We will send a copy of your invoice to the custodian at the same time that we send a copy to you. The
qualified custodian will deliver an account statement to you at least quarterly, which will show all
disbursements from your account. We urge you to review all statements for accuracy. Your account at the
custodian can also be charged for certain additional assets managed for you by us but not held by the
custodian (i.e., variable annuities, mutual funds, 401(k)s).
Financial planning and consulting fees are assessed. on an hourly basis, as a one-time project fee, or as
an annual fee payable either monthly or quarterly. An estimate for total hours will be determined at the
start of the relationship in order to determine whether hourly planning or a project-based plan is in the

    Client’s best interest. Hourly fees will be invoiced upon completion of the financial plan or the
    rendering of consulting services with a thirty (30) day written notice. For one-time projects, the Client
    agrees to pay one-half of the total fee upon signing the Financial Planning and Consulting Agreement and
    the remaining fee upon delivery of the plan. For ongoing financial planning or consulting services, the
    Client agrees to pay a one-time initial planning fee in addition to an annual fee paid out [either monthly
    or quarterly, arrears.] Retirement plan consulting fees will be billed on a monthly basis, in advance, at
    the beginning of each calendar month, due within thirty (30) days after the date of invoice, unless
    otherwise agreed to by the parties. The fee will either be billed directly to the plan sponsor or paid
    directly from the plan assets if authorized by the plan fiduciary.
    Estate planning services fees will be in addition to the current fee schedule and will range from $150
    (minimal documents) to $1,500 (full documents).
    In TPMM accounts, the adviser deducts the advisory fee from the client’s account and will forward a
    portion of the fee to our firm. We urge our clients to refer to the selected TPMM’s disclosure documents
    for the exact fees and expenses charged by each such TPMM, as well as minimum account requirements,
    refund, and termination provisions. A complete description of each program can be found in disclosure
    materials prepared by the TPMM, which we will provide to the client at the time we recommend the
    program.
    SythenticFi charges interest rates depending on the duration of your loan, In addition, you may need to
    pay trading fees and commissions, as well as other exchange fees when executing the trades. There is
    no closing cost associated with these box spread offer. Interest rates will be provided on SyntheticFi’s
    agreement and disclosure documents.
    You are responsible for all third-party fees (i.e., custodian fees, mutual fund fees, transaction fees, etc.).
    These fees are separate and distinct from the fees and expenses charged by Heritage Oak.

    TERMINATION OF AGREEMENT
    Either party can terminate the agreement by providing a 30-day advance written notice. Upon
    termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned,
    unpaid fees will be due and payable up to and including the effective date of termination.
    Notwithstanding the above, if we do not deliver the appropriate disclosure statement to you at least 48
    hours prior to you entering into any written or oral advisory contract with us, then you have the right to
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ITEM 7   Types of Clients
         We provide our investment advisory services to:
         - Individuals
         - High Net Worth Individuals
         We do not have a minimum account size for our asset management services.