KDM Wealth Management Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign a wealth management agreement that details the responsibilities of KDM and the
Client.

                                              KDM Wealth Management, Inc.
                                        321 Stevens Street, Suite R, Geneva, IL 60134
                                        Phone: (630) 232-9097 * Fax: (630) 578-0425
                                                 http://www.kdmwealth.com/

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, at the end 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 each quarter. Wealth management fees generally range from 0.25% to 1.20%.

For Clients with more than $1,000,000 in assets under management, fees are typically based on the following fee
schedule:

                      Assets Under Management                    Annual Rate
                     First $1,000,000                              0.95%
                     $1,000,001 to $2,000,000                      0.70%
                     $2,000,001 to $3,000,000                      0.35%
                     $3,000,001 and over                           0.15%

These Client may be offered tax preperation and planning and/or estate planning services included in their fee, at
the sole discretion of the Advisor.

For Clients with less than $1,000,000 in assets under management, fees are typically based on the following fee
schedule:

                      Assets Under Management                    Annual Rate
                     First $500,000                                1.20%
                     Next $500,000                                 0.70%

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 quarter. KDM has clients grandfathered in a different fee schedule. Fees may be negotiable at the sole
discretion of the Advisor. KDM has a minimum quarterly fee of $250. The Client’s fees will take into consideration
the aggregate assets under management with the Advisor. All securities held in accounts managed by KDM will be
independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to
ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody 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.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.50% and are billed
quarterly in arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are
based on the market value of assets under management at the end of the prior calendar quarter. Fees may be
negotiable depending on the size and complexity of the Plan.

The Advisor uses Guideline to assist with the management of the retirement plan. Guideline’s fee is $500 one-time
for setup and $8/active employee/month. This fee is automatically deducted by Guideline at the beginning of each
month.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor 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 at the respective quarter-end date. The amount due is calculated by applying the quarterly rate
(annual rate divided by 4) to the total assets under management with KDM at the end of the 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
                                             KDM Wealth Management, Inc.
                                       321 Stevens Street, Suite R, Geneva, IL 60134
                                       Phone: (630) 232-9097 * Fax: (630) 578-0425
                                                http://www.kdmwealth.com/

advisory fees to be deducted by KDM to be paid directly from their account[s] held by the Custodian as part of the
wealth management agreement and separate account forms provided by the Custodian.

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the
Plan, depending on the terms of the retirement plan advisory agreement.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than KDM, in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and custody fees
charged by the Custodian. The Advisor's recommended Custodian does not charge securities transaction fees for
ETF and equity trades in a Client's account, provided that the account meets the terms and conditions of the
Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of
investments. The fees charged by KDM are separate and distinct from these custody and execution fees.

In addition, all fees paid to KDM for wealth management services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in
...

Item 7 – Types of Clients
KDM provides wealth management services to individuals, high net-worth individuals, trusts, estates, and
retirement plans. KDM generally does not impose a minimum relationship size.