KP Financial Management LLC DBA Caissa Wealth Strategies

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
Investment Supervisory Services Fees

The typical fee for asset management services is based on 1% of the assets being managed. There is a
minimum annual fee of $10,000, (which is the equivalent of a 1% fee on approximately $1,000,000 of
managed assets). Advisor has the authority to negotiate terms of minimum and fees for extraordinary
circumstances, subject to future review. If an exception to the minimum fee has been agreed upon, specific
financial planning modules requested to be added to the engagement scope are subject to additional fees.
Fees are paid in advance via a prorated monthly electronic withdrawal. Should an exception to the
minimum fee be imposed, the annual fee will not exceed 1.5% of assets managed so long as an agreed upon
asset level remains under management. The final fee schedule is attached as Exhibit II of the Investment
Advisory Contract and is included below:

                                        Investment Advisory Fees (Tiered)
                     Total Assets Under Management          Annual Fees
                     $0 - $2,000,000*                       1.00%
                     $2,000,001 - $3,500,000                0.85%
                     $3,500,001 - $5,000,000                0.75%
                     Above $5,000,000                       0.65%

                     * Should an Exception to the minimum fee be imposed, the annual fee will not exceed 1.5% of assets
                     managed so long as an agreed upon asset level remains under management.

      •   All marketable assets in our custodian accounts with CAISSA access will be valued for billing
          purposes as the average of the values for the prior month on a daily basis.

      •   All assets in CAISSA custody or outside assets will be valued as of the
          last day of the month due to intra-month valuation issues that could widely skew numbers.

Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's written
authorization on monthly basis. Clients may select the method in which they are billed. Fees are paid in
advance. Either party may terminate at any time, with 30 days of written notice. Clients may terminate their

Fiercely devoted to your financial prosperity

contracts without penalty, for full refund, within 5 business days of signing the advisory contract. For all
asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees collected in advance
minus the daily rate times the number of days elapsed in the billing period.

Client Directed Accounts There is no fee for this service.
Selection of Other Advisors Fees
CWS will direct clients to third party money managers. This relationship will be disclosed in each contract
between CWS and each third-party advisor.

Financial Planning Fees Fixed Fees
Depending upon the complexity of the situation and the needs of the client, the fees for creating client
financial plans start at $3,000. Fees are paid in advance, but never more than six months in advance. Fees
that are charged in advance will be refunded based on the prorated amount of work completed at the point of
termination. The fees are negotiable, and the final fee schedule will be attached as Exhibit II of the Financial
Planning Agreement. Clients may terminate their contracts without penalty within five business days of
signing the advisory contract.

Hourly Fees
The hourly fee for these services range from $170 to $450 based on the scope, complexity and staff level
assigned. The fees are negotiable and the final fee schedulewill be attached as Exhibit II of the Financial
Planning Agreement. Fees are paid in advance, but never more than six months in advance. Fees that are
charged in advance will be refunded based on the prorated amount of work completed at the point of
termination. Clients may terminate their contracts without penaltywithin five business days of signing the
advisory contract.

Client Payment of Fees
Payment of Investment Supervisory Fees
Advisory fees are withdrawn directly from the client's accounts with client written authorization. Fees are
payable either monthly or quarterly, depending on the specific client's agreement.

Payment of Financial Planning Fees
Hourly Financial Planning fees are paid via check or electronic withdrawal from a brokerage account in
advance, but never more than six months in advance. Fees that are charged in advance will be refunded
based on the prorated amount of work completed at the point of termination. Fixed Financial Planning fees
are paid via check or electronic withdrawal from a brokerage account in advance, but never more than six
months in advance. Fees that are charged in advance will be refunded based on the prorated amount of work
completed at the point of termination.

Additional Client Fees Charged
Clients are responsible for the payment of all third-party fees (i.e. custodian fees, mutual fund fees, transaction

Fiercely devoted to your financial prosperity

fees, etc.). Those fees are separate and distinct from the fees and expenses charged by CWS. Please see Item
12 of this brochure regarding broker/custodian.

Prepayment of Client Fees
CWS collects fees in advance. Fees that are collected in advance will be refunded based on the prorated
amount of work completed at the point of termination and the total days during the billing period. Fees will be
returned within fourteen days to the client via check.

External Compensation for the Sale of Securities to Clients
Neither CWS nor its supervised persons accept any compensation for the sale of securities or other
investment products, including asset-based sales charges or services fees from the sale of mutual funds.

Types of Clients:
           Individuals
           High-Net-Worth individuals
           Profit and Pension Plans

Clients eligible to enroll in the Program include:
             Individuals
             Revocable Living Trusts
Clients that are organizations (such as corporations and partnerships) or government entities, and clients that
are subject to the Employee Retirement Income Security Act of 1974, are not eligible for the Program.