KMH Wealth Management LLC

Fees and Compensation
                                                                                              Form ADV Part 2A, Item 5

Keller Wealth Advisors is compensated for its investment advisory services based on a percentage of assets
under management, as set forth below. Accounts of members of the same household and other related accounts
may be consolidated for fee calculation purposes.

The annual fees for investment advisory services are typically calculated and paid, in advance, on a quarterly
basis, based on the fair market value of assets under management as determined at the end of the last business
day of the previous quarter. Clients may elect to either have the fees deducted from their accounts or be invoiced
for such fees. Advisory fees are generally negotiable, at the discretion of Keller Wealth Advisors.

                                  Assets Under Management
                                        Fee Schedule
                                            Minimum annual fee: $4,000*

                                                              on the first
                                             0.80%            $1,000,000

                                                              on amounts over
                                             0.60%            $1,000,000 up to $3,000,000

                                                              on amounts over
                                             0.40%
                                                              $3,000,000 up to $5,000,000
                                                               on amounts over
                                             0.20%             $5,000,000 up to $10,000,000

                                                              on amounts over
                                             0.15%
                                                              $10,000,000

                                     Financial Planning is included in annual fees**

                                 *Non-profit organizations are exempt from minimum fee.
                                      **Advanced estate planning is not included.

XY Now Plan services, which provide financial planning services and investment management and advisory
services if investible assets exist, to individuals under age 45 with less than $500,000 in investible assets, are
charged a non-refundable $500 sign-up fee, and a flat fee of $50 for each month of services thereafter. XY Now
Plan fees are paid quarterly, with $150 deducted from client accounts in advance at the beginning of each
calendar quarter. XY Now fees are non-negotiable.

Advanced Estate Planning is available to clients under a separate engagement with Keller Wealth Advisors. The
fee for Advanced Estate Planning is charged at our hourly rate of $100 to $350 per hour, depending on the
complexity of the estate, with a minimum fee of $2,500, billed separately and not deducted from client accounts.

In addition to the fees charged by Keller Wealth Advisors, clients may incur, and are solely liable for, brokerage
commissions, other costs relating to the execution of securities and investment transactions, fees and expenses
imposed directly by mutual funds, and fees and charges imposed directly by annuities. The fees and expenses
imposed by mutual funds are described in each fund’s prospectus, and will generally include a management fee,

other fund expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may pay an
initial or deferred sales charge. Fees and charges imposed by annuities are described in the product’s brochure
and in the contract, and generally includes surrender charges. Please refer to Item 12 for a more detailed
discussion relative to our brokerage arrangements.

All investment management and advisory fees paid are considered fully earned until the terminating party, in
accordance with the advisory agreement between Keller Wealth Advisors and the client, delivers a written notice
of termination. Upon termination, refunds will be calculated based on how many days remain in the quarter after
the written termination is received.

All XY Now Plan fees paid for the month during which notice of termination is provided by either party to the
other are considered fully earned. Prepaid fees for any months remaining in the quarter following the month of
termination will be returned once a signed termination agreement is received by Keller Wealth Advisors.

                    Performance-Based Fees and Side-By-Side Management
                                                                                              Form ADV Part 2A, Item 6

Keller Wealth Advisors does not charge performance-based fees or engage in side-by-side management.

Types of Clients
                                                                                              Form ADV Part 2A, Item 7

Keller Wealth Advisors generally provides investment advice to individuals, high net worth individuals (including
trusts and estates), corporations, pension and profit-sharing plans, and charitable organizations.

                 Methods of Analysis, Investment Strategies and Risk of Loss
                                                                                              Form ADV Part 2A, Item 8

The main sources of information that Keller Wealth Advisors generally uses to analyze financial products is
YCharts, financial newspapers and magazines; research materials prepared by third parties; corporate rating
services; and annual reports, prospectuses and filings with the SEC.

Investment strategies the firm generally uses are passively and actively managed asset class mutual funds and
direct fixed income obligations. These strategies are employed to capture the return behavior of an entire asset
class and based upon the major tenets of Modern Portfolio Theory which states that markets are "efficient" and
that the Investor’s return is determined principally by asset allocation decisions, not market timing or selection of
specific securities. Each client is interviewed to determine his/her specific investment needs and risk tolerance,
including, but not limited to: investment purpose, demographic characteristics (age, employment and family), and
overall financial situation including taxable income, inheritance, life insurance and risk tolerance. Based on this
information, the firm recommends products to assist clients in attaining their financial goals. The highest priority
is given to placing the client’s interest first.

Keller Wealth Advisors recommends an array of products; however, it primarily recommends mutual funds,
bonds, and annuities. Each type of investment has its own unique set of risks that are not always easily
identifiable. These risks affect the performance and the volatility of any investment. For example, investments
are affected by general economic and market conditions such as interest rates, availability of credit, inflation

rates, economic uncertainty, changes in laws, and national and international political circumstances. Investments
are also subject to currency, political and business risks. Significant market disruptions, such as those caused
by pandemics, natural or environmental disasters, war, acts of terrorism, or other events, can adversely affect
local and global markets and normal market operations. Market disruptions may exacerbate political, social, and
economic risks. Most mutual funds fall into one of four broad categories – money market funds, bond funds,
equity funds, and balanced funds. Each type has different features and different risks and rewards. There are
also risks associated with bond investments, such as default risk and interest rate fluctuations. Depending on the
type, annuities can carry unique risks, including costly penalties for early surrender, liquidity risk, and the risk of
the annuitant dying before receiving the stream of income they purchased. Variable annuities are also exposed
to the aforementioned risks of economic and market conditions. Exchange Traded Funds (ETFs) typically trade
intraday, so ETF shares may trade at a discount or premium to their net asset value and therefore have the
additional risk of not trading at their net asset value. All investing activities involve risk of loss that clients should
be prepared to tolerate, including the possible loss of a client’s entire investment and any gains earned thereon.
Clients should read a fund’s prospectus and shareholder reports to learn about its investment strategy and the
potential risks prior to investing.