Ironwood Wealth Management LLC

ITEM 5 – FEES AND COMPENSATION

5a: Fee Schedules

FULL-SERVICE OFFERING

Ironwood’s investment advisory fees in its Full-Service Offering are generally based upon a percentage of the
value of assets place under its management according to the following fee schedule:

                          Assets Under Management                 Annual Fee (%)
                               $0 to $1,000,000                      1.00%
                          $1,000,000.01 to $2,000,000                0.80%
                          $2,000,000.01 to $3,000,000                0.70%
                          $3,000,000.01 to $4,000,000                0.60%
                           $4,000,000.01 and above                    0.5%

We also have a $5,000 annual minimum fee that is applicable to Full Service clients, and as a result, clients with
less than $500,000 will be subject to a percentage that is higher than the rates outlined above. The minimum
fee is charged $1,250 each quarter in the event a client maintains less than $500,000. These clients are
encouraged to enroll in the Foundations/Legacy Programs to avoid paying a higher percentage than the rates
outlined above, in which case they will pay a 1.25% annual fee. Clients with assets under our management
between $400,000 and $500,000 will either pay a higher annual fee in the Foundations/Legacy Programs or be
subject to the minimum annual fee in the Full Service program. Not all investment advisers structure their
advisory offerings in this manner and clients and prospective clients should be guided accordingly.

FIXED FEES
In limited circumstances, we may offer Full-Service Clients with a substantial net worth but who have limited,
liquid assets a fixed fee arrangement. We provide these clients with the same services as our other Full-Service
Clients. This fee is negotiable, depends on our view of how complex and time-intensive a relationship will be,
and generally ranges between $5,000 to $50,000 per year, payable quarterly in advance.

FOUNDATIONS/LEGACY PROGRAMS
Ironwood’s investment advisory fees in its Foundations/Legacy Programs are generally based upon a
percentage of the value of assets place under its management according to the following fee schedule:

                           Assets Under Management                Annual Fee (%)
                                $0 to $400,000+                      1.25%

Upon reaching $400,000 in assets under our management, a client will be placed in our Full-Service Offering
in the following quarter and will remain in the Full-Service Offering for as long as their account balance stays
above $400,000. In addition, new clients in the Foundations Program are subject to an initial $1,000 account
establishment fee.

ADDITIONAL DISCLOSURES REGARDING FEES

For purposes of determining value, securities and other instruments traded on a market for which actual
transaction prices are publicly reported are valued at the last reported sale price on the principal market in which
they are traded. In certain circumstances, fees may be negotiable.

In both the Full-Service Offering and our Foundations/Legacy Program, we generally include cash or cash
equivalents in determining the amount of assets under our management. We may recommend or use our

discretion to invest your cash in one or more cash management solutions. For example, we may invest in money
market mutual funds, in managed banking products, or bond ladders. Certain of these products have investment
minimums. In certain instances, we may agree to manage large cash balances at a reduced fee. In those cases,
we will generally require that a client enter a separate, written agreement.

Except for the Foundations/Legacy Programs, the fee includes the time and activities necessary to work with
your attorney and/or accountant in reaching agreement on solutions, as well as assisting them in
implementation of all appropriate documents. We are not responsible for attorney or account fees charged to
you because of the above activities. In the Foundations/Legacy Program, you are responsible for working with
your attorney and accountant directly on all matters, unless we agree to another arrangement.

Compensation for our services will be calculated in accordance with what is set in the client’s agreement.
Ironwood, in its sole discretion, may charge a lesser fee based upon certain criteria (i.e. historical relationship,
type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, negotiations with the client, etc.). For example, for a
family member of a client in the Full-Service Offering, we may agree to waive the minimum annual fee. We
may modify the terms of any agreement by written changes submitted to the client for signature. Lower (or
higher) fees for comparable services may be available from other sources.

Not all investment advisers have minimum annual fees or investment programs that seek to limit the frequency
of contact with a financial professional, and clients should be guided accordingly. In addition, as of March 20,
2019, we have grandfathered current clients into our prior fee structure, which did not impose an annual
minimum fee and prior to our creation of the Foundations Program. However, we reserve the right to notify
any grandfathered client that they will become subject to the annual minimum fee, and if we do so, we will ask
them to enter into a new Investment Advisory Agreement outlining their requirement to pay the annual
minimum fee or offer them the ability to enroll in the Foundations/Legacy Program. If they determine not to
enter into the new agreement or enroll in the Foundations/Legacy Program, we may determine to end our
relationship.

Financial Planning Fee and Fee Offsets
When a new client determines to work with us, we generally prepare that client a written financial plan for a
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ITEM 7 – TYPES OF CLIENTS

Ironwood generally provides asset management and financial planning services to the following types of clients:

       Individuals
       High-Net-Worth Individuals
       Pension and Profit-Sharing Plans
       Trusts
       Estates
       Charities