Hutchens & Kramer Investment Management Group LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter. Wealth management fees are based on the following
schedule:

                            Assets Under Management ($)                   Annual Rate (%)
                            Up to $1,000,000                                  1.25%
                            $1,000,001 to $2,500,000                          1.00%
                            $2,500,001 to $5,000,000                          0.80%
                            $5,000,001 to $10,000,000                         0.70%
                            $10,000,001 to $25,000,000                        0.60%
                            Over $25,000,001                                  0.50%

Clients may be subject to a legacy fee schedule that may differ from the one above.

Fees may vary from the above fee schedule depending on the nature and complexity of each Client’s
circumstances, or with the inclusion of financial planning or other services, pursuant to the terms of the wealth
management agreement.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to
the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take
into consideration the aggregate assets under management with Advisor. All securities held in accounts managed
by Monon Wealth Management will be independently valued by the Custodian. The Advisor will conduct periodic
reviews of the Custodian’s valuations to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not
receive any portion of these commissions, fees, and costs.

For assets managed through a third-party platform, the Client is not charged any additional platform fees. The
Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to assets
accessed and managed through the platform as part of the Client’s assets under management, as disclosed
above.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or
more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation
from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. The
Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of
the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the
Advisor’s fee and the Independent Manager’s fee, will not exceed 2.0% annually.

                                               Monon Wealth Management
                                        99 E Carmel Dr., Suite 160, Carmel, IN 46032
                                        Phone: (317) 993-3999 * Fax: (317) 564-0596
                                                http://www.mononwealth.com

Retirement Plan Advisory Services
Retirement plan advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of
the agreement. Retirement plan fees are either based on the market value of assets under management at the
end of the prior calendar quarter and range up to 0.50%. Fees are based on several factors, including: the
complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the
Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee. Fees may be negotiable depending on the size and complexity of the
Plan. Certain existing Clients may have fees that differ from the range above.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s]
at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be
deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by
applying the quarterly rate ((annual rate divided by number of days in the year) times numbers of days in the
quarter) to the total assets under management with Monon Wealth Management at the end of the prior quarter.
Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth
management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written
authorization permitting advisory fees to be deducted by Monon Wealth Management directly from their
account[s] held by the Custodian as part of the wealth management agreement and separate account forms
provided by the Custodian.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Monon
Wealth Management’s investment advisory fee (as noted above) plus investment management fees and/or
platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent
...

Item 7 – Types of Clients

Monon Wealth Management offers wealth management services to individuals, high net worth individuals, trusts,
estates, businesses, and retirement plans. The amount of each type of Client is available on the Advisor's Form

                                              Monon Wealth Management
                                       99 E Carmel Dr., Suite 160, Carmel, IN 46032
                                       Phone: (317) 993-3999 * Fax: (317) 564-0596
                                               http://www.mononwealth.com

ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Monon
Wealth Management generally does not impose a minimum account size for establishing a relationship.