Laurel Oak Wealth Management LLC

ITEM 5 - FEES AND COMPENSATION
   Fee Schedule & Billing Method
   Laurel Oak offers services on a fee basis, which may include fixed, flat, or hourly fees, as well as fees based
   upon assets under management or advisement.

   Investment Management Services
   The annual management fee for our Investment Management Services, including Financial Planning, is
   based on the total dollar value of the assets maintained in the client account. The fee assessed and/or
   charged is based on what is stipulated in the Investment Advisory Agreement signed by each client.
   Our annual fee ranges up to 2.0% annually and is assessed and/or charged monthly in arrears, based on
   the value at the end of the billing period. Inflows and outflows of cash are considered on a prorated basis
   in this calculation. Fees can be structured as a fixed flat percentage fee on total assets in the account, a
   fixed flat dollar amount, or a tiered fee schedule whereby the fee is calculated by applying different rates
   to different levels of assets.

   Laurel Oak’s Advice Program (“The Program”) Fees
   In addition to the advisory fees paid, we may provide advice services to clients under the Program regarding
   financial planning, consulting services, or other non-investment advice, research, and advisory services.
   Fees are generally charged as either a flat fee or an hourly fee based on the time utilized and other items
   required to perform the service. The fee assessed and/or charged is based on what is stipulated in the
   Agreement signed by each client. These fees are not included in the Wrap Fee Program.

   Other Fees and Expenses
   In addition to the advisory fees paid to the Firm, clients may incur certain charges imposed by other third
   parties, such as broker-dealers, custodians, trust companies, platform service providers, banks, and other
   financial institutions (collectively “Financial Institutions”). These additional charges may include securities
   brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets, reporting
   charges, margin costs, charges imposed directly by an Independent Manager and/or Sub-Advisor, 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. In
   addition, fees charged by the Independent Managers/Sub-Advisors are charged to the clients separately. In
   these relationships with third-party and/or Sub-Advisors, these fees would be in addition to the fees
   charged by the Firm, paid directly to the third-party and/or Independent Manager/Sub-Advisor, and the
   Firm will not receive any portion of those fees or share in those fees.

ADV Part 2A Disclosure Brochure – Laurel Oak Wealth Management, LLC                                             6

   Direct Fee Debit
   Clients generally provide the Firm and/or the Independent Managers/Sub-Advisors 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 accounts, from which the Firm retains the authority to directly
   deduct fees, are required to send statements to clients not less than quarterly detailing account
   transactions, including any amounts paid to the Firm.

   Account Additions and Withdrawals
   As stated above, clients may make additions to and withdrawals from their accounts at any time, subject
   to the Firm’s right to terminate an account. Additions may be in cash or securities, provided that the Firm
   reserves the right to liquidate any transferred securities or declines to accept particular securities into a
   client’s account. Clients may withdraw account assets on notice to the Firm, subject to the usual and
   customary securities settlement procedures. However, the Firm generally designs its portfolios as long-
   term investments, and the withdrawal of assets may impair the achievement of a client’s investment
   objectives. The Firm may consult with its clients about the options and implications of transferring
   securities. Clients are advised that when transferred securities are liquidated, they may be subject to
   transaction fees, short-term redemption fees, fees assessed at the mutual fund level (e.g., contingent
   deferred sales charges), and/or tax ramifications.

   Commissions and Sales Charges for Recommendations of Securities
   Clients can engage certain persons associated with Laurel Oak (but not the Firm directly) to render
   securities brokerage services under a separate commission-based arrangement. Clients are under no
   obligation to engage such persons and may choose brokers or agents not affiliated with Laurel Oak.
   Under this arrangement, the Firm’s Supervised Persons, in their individual capacities as registered
   representatives of Purshe Kaplan Sterling Investments, Inc. (“PKS”), may provide securities brokerage
   services and implement securities transactions under a separate commission-based arrangement.
   Supervised Persons may be entitled to a portion of the brokerage commissions paid to PKS, as well as a
   share of any ongoing distribution or service (trail) fees from the sale of mutual funds. The Firm may also
   recommend no-load or load-waived funds, where no sales charges are assessed. Prior to effecting any
   transactions, clients are required to enter into a separate account agreement with PKS.
   A conflict of interest exists to the extent that the Firm recommends the purchase or sale of securities where
   Supervised Persons receive commissions or other additional compensation as a result of the Firm’s
   recommendation. We take our fiduciary duty and professional responsibility very seriously and always
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ITEM 7 - TYPES OF CLIENTS
   Laurel Oak provides asset management, financial planning, ERISA plan advisory & consulting, investment
   advisory, consulting, and selection of third-party Independent Managers and/or Sub-Advisors. Our services
   are provided on a discretionary or non-discretionary basis to a variety of clients, such as institutional
   investors, individuals, high net worth individuals, governmental entities, trusts and estates, qualified
   purchasers, and individual participants of retirement plans. In addition, we may also provide advisory
   services to entities such as pension and profit-sharing plans, businesses, and other investment advisors.

   Account Requirements
   Laurel Oak does not impose a stated minimum fee or minimum portfolio value for starting and maintaining an
   investment management relationship. Certain Independent Managers may, however, impose more restrictive
   account requirements and billing practices from the Firm. In these instances, the Firm may alter its
   corresponding account requirements and/or billing practices to accommodate those of the Independent
   Managers.