Hyphen Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management         Annual Fees
        $0 - $1,000,000                       1.25%

        $1,000,001 - $2,000,000               1.10%

        $2,000,001 - $5,000,000               0.75%

        $5,000,001 - $10,000,000              0.65%

        $10,000,001 - $20,000,000             0.55%

        $20,000,001 - AND UP                  0.45%

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of HWM's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 30 days' written notice.

Selection of Other Advisers Fees

Clients will pay HWM its standard fee in addition to the standard fee for the advisers to
which it directs those clients. This relationship will be memorialized in each contract
between HWM and each third-party adviser. The fees will not exceed any limit imposed
by any regulatory agency.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management         Annual Fee
        $0 - $1,000,000                       1.25%

        $1,000,001 - $2,000,000               1.10%

        Total Assets Under Management          Annual Fee
        $2,000,001 - $5,000,000                0.75%

        $5,000,001 - $10,000,000               0.65%

        $10,000,001 - $20,000,000              0.55%

        $20,000,001 - AND UP                   0.45%

The advisory fee is calculated using the value of the assets on the last business day of the
prior billing period

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of HWM's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the pension consulting agreement generally
with 30 days' written notice.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $2,000 and $5,000.

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

B. Payment of Fees

Payment of 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, or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis, or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

Payment of Selection of Other Advisers Fees

The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Fixed financial planning fees are paid 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 HWM. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

HWM collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis
and 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

Roshan Mahendra Weeramantry is an insurance agent and in this role, accepts
compensation for the sale of insurance products to HWM clients.

1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of insurance products. This
   presents a conflict of interest and gives the supervised person an incentive to
   recommend products based on the compensation received rather than on the client’s
   needs. When recommending the sale of insurance products for which the supervised
   persons receives compensation, HWM will document the conflict of interest in the
   client file and inform the client of the conflict of interest.

       2. Clients Have the Option to Purchase Recommended Products From
       Other Brokers

           Clients always have the option to purchase HWM recommended products through
           other brokers or agents that are not affiliated with HWM.

       3. Commissions are not HWM's primary source of compensation for
       advisory services

           Commissions are not HWM’s primary source of compensation for advisory services.

       4. Advisory Fees in Addition to Commissions or Markups
...

Item 7: Types of Clients

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

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit Sharing Plans

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