LWM Advisors Inc

Item 5: Fees and Compensation

A. Fee Schedule

Initial Financial Planning Fees

Fixed Fees

The fixed rate for creating client financial plans is between $1,500 and $2,500.

Clients may terminate the agreement without penalty, for a full refund of LAI’s fees,
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon written notice.

Ongoing Financial Planning & Portfolio Management Fees

        Total Assets Under Management             Annual Fees
        $250,000 - $299,999                       2.00%

        $300,000 - $349,999                       1.75%

        $350,000 - $399,999                       1.50%

        $400,000 - $499,999                       1.25%

        $500,000 - $4,999,999                     1.00%

        $5,000,000 - $5,999,999                   0.95%

        $6,000,000 - $6,999,999                   0.90%

        Total Assets Under Management         Annual Fees
        $7,000,000 - $7,999,999               0.85%

        $8,000,000 - $8,999,999               0.80%

        $9,000,000 - $9,999,999               0.75%

        $10,000,000 - AND UP                  0.70%

The minimum asset level is $250,000. Lesser amounts may be considered under certain
circumstances and fees to be determined on a case-by-case basis.

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

The final fee schedule will be memorialized in the client’s advisory agreement. Clients
may terminate the agreement without penalty for a full refund of LAI's fees within five
business days of signing the Investment Advisory Contract. Thereafter, clients may
terminate the Investment Advisory Contract generally with 3 days' written notice.

B. Payment of Fees

Initial Payment of Financial Planning Fees

Financial planning fees are paid via check and wire.

Fixed financial planning fees are paid 100% in advance, but never more than six months
in advance.

Payment of Ongoing Financial Planning & Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization or may be invoiced and billed directly to the client to
be paid via ACH or check. Client may select the method in which they are billed. Fees are
paid quarterly in advance.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by LAI. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

       D. Prepayment of Fees

       LAI collects fees in advance. Refunds for fees paid in advance but not yet earned will be
       refunded on a prorated basis and returned within fourteen days to the client via check, or
       return deposit back into the client’s account.

       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 up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee rate by 365.)

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither LAI nor its supervised persons accept any compensation for the sale of investment
       products, including asset-based sales charges or service fees from the sale of mutual
       funds.

Item 7: Types of Clients

LAI generally provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals
       ❖       Corporations or Business Entities

Minimum Relationship Size: The services of LAI are best suited to the unique needs of clients
whose nest egg exceeds $500,000. This minimum may be waived by LAI based on the needs of
the client, the complexity of the client’s financial situation, and/or other factors we deem relevant.