KRM Wealth Management LLC

Item 5           Fees and Compensation

   A.
                                  INVESTMENT ADVISORY SERVICES
         The Registrant’s annual investment advisory fee shall vary from 0.60% up to 1.00% of the
         total assets placed under the Registrant’s management/advisement and shall be based upon
         various objective and subjective factors including but not limited to: the representative
         assigned to the account, the amount of assets to be invested, the complexity of the
         engagement, the anticipated number of meetings and servicing needs, related accounts,
         future earning capacity, anticipated future additional assets, and negotiations with the
         client. As a result, similar clients could pay different fees, which will correspondingly
         impact a client’s net account performance. Moreover, the services to be provided by the
         Registrant to any particular client could be available from other advisers at lower fees.

         Before engaging Registrant to provide investment advisory services, clients are required to
         enter into an Investment Advisory Agreement, setting forth the terms and conditions of the
         engagement, including the fees and services to be provided.

               FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
         The Registrant may provide financial planning and/or consulting services (including
         investment and non-investment related matters, including estate planning, insurance
         planning, etc.) on a stand-alone fee basis. Registrant’s planning and consulting fees are
         negotiable, depending upon the level and scope of the service(s) required and the
         professional(s) rendering the service(s), but generally range from $1,000 to $10,000 on a
         fixed fee basis. The Registrant may also be engaged to provide planning and consulting
         services at $225 per hour.

   B. Clients may elect to have the Registrant’s advisory fees deducted from their custodial
         account. Both Registrant’s Agreement and the custodial/clearing agreement may authorize
         the custodian to debit the account for the amount of the Registrant’s investment advisory
         fee and to directly remit that advisory fee to the Registrant in compliance with regulatory
         procedures.

         In the limited event that the Registrant bills the client directly, payment is due upon receipt
         of the Registrant’s invoice.

   C. As discussed below, unless the client directs otherwise or an individual client’s
         circumstances require, Registrant shall generally recommend that Charles Schwab & Co.,
         Inc. (“Schwab”) serve as the broker-dealer/custodian for client investment management
         assets.

         Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other
         type fees for effecting certain types of securities transactions (i.e., including transaction
         fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income
         transactions, etc.). The types of securities for which transaction fees, commissions, and/or
         other type fees (as well as the amount of those fees) shall differ depending upon the broker-
         dealer/custodian. While certain custodians, including Schwab, generally (with the potential
         exception for large orders) do not currently charge fees on individual equity transactions
         (including ETFs), others do.

         There can be no assurance that Schwab will not change their transaction fee pricing in the
         future.

         Schwab may also assess fees to clients who elect to receive trade confirmations and account
         statements by regular mail rather than electronically.

         Clients will incur, in addition to Registrant’s investment management fee, brokerage
         commissions and/or transaction fees, and, relative to all mutual fund and exchange traded
         fund purchases, charges imposed at the fund level (e.g., management fees and other fund
         expenses).

   D. Registrant's annual investment advisory fee shall be prorated and paid quarterly, in
         advance, based upon the market value of the assets on the last business day of the previous
         quarter.

         With the exception of a financial planning engagement on a project basis, which may
         automatically terminate upon the completion of the project, agreements between the
         Registrant and the client will continue in effect until terminated by either party by written
         notice in accordance with the terms of the Agreement. Upon termination, the Registrant
         shall refund the pro-rated portion of any advanced advisory fee paid to the Registrant based
         upon the number of days remaining in the billing month.

   E. Neither the Registrant, nor its representatives accept compensation from the sale of
         securities or other investment products.

Item 7           Types of Clients

         The Registrant’s clients shall generally include individuals, business entities, charitable
         institutions, foundations, trusts, and estates.