Kaiyo Wealth LLC

Item 5: Fees and Compensation

A. Fee Schedule

Lower fees for comparable services may be available from other sources.

Portfolio Management Fees

      Total Assets Under Management          Annual Fees
      $0 - $2,000,000                        1.00%

      $2,000,001 - $5,000,000                0.80%

      $5,000,001 - $10,000,000               0.60%

      $10,000,001 - $30,000,000              0.50%

      $30,000,001 and above                  0.40%

KWL uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

These fees are negotiable and the final fee schedule will be memorialized in the client’s
advisory agreement. Advisor may also honor legacy pricing which could differ from the
fee schedule illustrated above. Please refer to your executed advisory agreement for the
fees that pertain to you. Clients may terminate the agreement without penalty for a full
refund of KWL's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract with 5
days' written notice.

If KWL utilizes an Outside Manager, the above fee schedule does not include the
Outside Manager’s fee. The Outside Manager’s advisory fees, billing schedule, and
payment procedures are set forth in their separate written disclosure documents,
advisory agreements, and/or the account opening documents of your account
Custodian. Typically, the fee ranges from 39 to 69 basis points, depending on the strategy
utilized. At no point will the combined fee charged to the Client exceed 2% of assets
under management.

Financial Planning Fees

Creating a full comprehensive financial plan is a minimum fee of $10,000, but could be
more depending on the complexity of the client’s financial situation. Fees are negotiable.
50% of the fixed fee is due in advance, with the remainder due upon presentation of the
plan. After presentation of the plan, clients receive follow-up meeting(s) within the year.

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Asset-based portfolio management fees are withdrawn directly from the client's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. For certain legacy clients, fees may be paid in
arrears.

Payment of Financial Planning Fees

Financial planning fees are paid via electronic funds transfer or check.

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 KWL. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

Portfolio Management Termination

KWL collects its portfolio management in advance. Since fees are paid in advance, a
prorated refund will be given, if applicable, upon termination of this Agreement for any
unearned fee based on the number of days remaining in the billing period.

Financial Planning Termination

Fixed Fee Financial Planning clients are charged 50 % in advance, but never more than
six months in advance, with the remainder due upon presentation of the plan. Fixed fees
that are collected in advance, but unearned at the time termination becomes effective (if
any), will be refunded based on the prorated amount of work completed at the point of
termination. If this Agreement is terminated prior to completion of the financial
planning services, then Client will be responsible for paying the prorated fee for work
completed but unpaid (if any) at the time termination becomes effective.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither KWL nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients
KWL generally provides advisory services to the following types of clients:

   ​   ❖​     Individuals
   ​   ❖​     High-Net-Worth Individuals
   ​   ❖​     Charitable Organizations

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