KOA Wealth Management LLC

Item 5 Fees and Compensation
Koa Wealth Management offers services on a fee basis, which includes fixed and/or hourly fees as
well as fees based upon assets under management. Additionally, certain of the Firm's Supervised
Persons, in their individual capacities, offer securities brokerage services and/or insurance products
under a separate commission-based arrangement. Lower fees for comparable services may be
available from other sources.

Financial Planning Fees
Koa Wealth Management charges a fixed and/or hourly fee for providing financial planning services.
These fees are negotiable, but range from $500 to $50,000 on a fixed fee basis and/or $250 - $500 on
an hourly basis, depending upon the scope and complexity of the services and the professional
rendering the financial planning and/or the consulting services. If the client engages the Firm for
additional investment advisory services, Koa Wealth Management may offset all or a portion of its fees
for those services based upon the amount paid for the financial planning and/or consulting services.

The terms and conditions of the financial planning and/or consulting engagement are set forth in the
Advisory Agreement and Koa Wealth Management requires one-half of the fee (estimated hourly or
fixed) payable upon execution of the Advisory Agreement. The outstanding balance is due upon
delivery of the financial plan or completion of the agreed upon services. The Firm does not, however,
take receipt of $1,200 or more in prepaid fees in excess of six months in advance of services rendered.

In the event the Advisory Agreement is terminated, the outstanding or unearned portion of the fee is
charged or refunded to the client, as appropriate. The Firm accepts checks for payment from clients
that engage the Firm for financial planning services.

Investment Management Fees
Koa Wealth Management offers investment management services for an annual fee based on the
amount of assets under the Firm's management. The annual fee will not exceed 1.25% of assets
under management, and the specific fee to which a client is subject will be specified in the Investment
Advisory Agreement signed by the client.

The Firm's management fee for the portion of a client's portfolio attributable to privately placed
securities is the lower of either (1) 75 basis points (0.75%) or (2) the Base Fee set forth in the above
fee schedule, as determined by the client's overall Portfolio Value.

The Firm's management fee is prorated and charged monthly, in advance, based upon the market
value of the assets being managed by Koa Wealth Management on the last day of the previous month.
In some limited cases, fees may be billed on a different cycle as specified in the custodial account
agreement signed by the client. If assets in excess of $100,000 are deposited into or withdrawn from
an account after the inception of a billing period, the fee payable with respect to such assets is
adjusted to reflect the interim change in portfolio value. For the initial period of an engagement, the fee
is calculated on a pro rata basis. In the event the Advisory Agreement is terminated, the fee for the
final billing period is prorated through the effective date of the termination and the outstanding or
unearned portion of the fee is charged or refunded to the client, as appropriate.

Additionally, for asset management services the Firm provides with respect to certain client holdings
(e.g., held-away assets, accommodation accounts, alternative investments, etc.), Koa Wealth
Management may negotiate a fee rate that differs from the range set forth above.

Retirement Plan Consulting Fees
Koa Wealth Management charges a fixed project-based fee to provide clients with retirement plan
consulting services. Each engagement is individually negotiated and tailored to accommodate the
needs of the individual plan sponsor, as memorialized in the Advisory Agreement. These fees range
from $500 to $50,000 based on the scope of the services to be rendered. The fee is prorated and
charged quarterly, in advance. In some limited cases, fees may be billed on a different cycle as
specified in the custodial account agreement signed by the client.

In the event the retirement plan consulting agreement is terminated, the outstanding or unearned
portion of the fee is charged or refunded to the client, as appropriate. Fees may be collected in a
manner agreed to between the Firm and the client.

Fee Discretion
Koa Wealth Management may, in its sole discretion, negotiate to charge a lesser fee based upon
certain criteria, such as anticipated future earning capacity, anticipated future additional assets, dollar
amount of assets to be managed, related accounts, account composition, pre-existing/legacy client
relationship, account retention and pro bono activities.

Additional Fees and Expenses
In addition to the advisory fees paid to Koa Wealth Management, clients also incur certain charges
imposed by other third parties, such as broker-dealers, custodians, trust companies, banks and other
financial institutions (collectively "Financial Institutions"). These additional charges include securities
brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets, margin
and other borrowing costs, charges imposed directly by a mutual fund or ETF in a client's account, as
disclosed in the fund's prospectus (e.g., fund management fees and other fund expenses), deferred
sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other
fees and taxes on brokerage accounts and securities transactions. The Firm's brokerage practices are
described at length in Item 12, below.

Direct Fee Debit
Clients provide Koa Wealth Management with the authority to directly debit their accounts for payment
of the investment advisory fees. The Financial Institutions that act as the qualified custodian for client
...

Item 7 Types of Clients
Koa Wealth Management offers services to individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, corporations and business entities.

The Firm does not have any requirements for opening or maintaining an account.