KULT Wealth Management Group LLC

Item 5: Fees and Compensation

         Kult Wealth is a fee-only investment management firm, which means we are
         compensated directly by our clients. We are not affiliated with entities that
         sell financial products or securities, and we do not accept commissions in any
         form. We do not accept finder’s fees or referral fees.
         Kult Wealth’s annual investment management fee is based on a percentage
         of assets managed according to the following schedule:
                  .73% on the first $5,000,000;
                  .50% on the next $5,000,000; and
                  .25% on the assets above $10,000,000.
         Investment management fees are billed quarterly, in arrears, meaning that
         our fees are deducted after the three-month billing period has ended. The
         client must consent in advance to direct debiting of their investment account.
         Fees are non-negotiable. Although the investment management agreement
         is an ongoing agreement, the client or the investment manager may terminate
         the agreement at any time. At termination, fees will be billed on a pro rata
         basis for the portion of the quarter completed.
         In addition to Kult Wealth’s fees, clients incur the following fees: 1) All
         exchange-traded funds (“ETFs”) and mutual funds charge their own fees; 2)
         Kult Wealth’s custodian charges transaction fees for buying and selling
         certain investments; 3) Certain investments (and custodian) charge
         redemption fees if redeemed within a specified time in order to discourage
         market timing. Kult Wealth receives no compensation from these fees.
         Please note that clients who entered into agreements prior to December 31,
         2022 have a lower fee schedule.

Item 7: Types of Clients

         Kult Wealth provides investment advice to individuals. The minimum account
         size is $1,000,000 of assets under management, which equates to an annual
         fee of $7,300. Kult Wealth has the discretion to waive the account minimum.
         Accounts of less than $1,000,000 may be set up when the client and the
         advisor anticipate the client will add additional funds to the accounts bringing
         the total to $1,000,000 within a reasonable time. Other exceptions may apply
         to employees of Kult Wealth and their relatives, or relatives of existing clients.

                            Kult Wealth Management Group, LLC