M Kulyk & Associates LLC

Item 5: Fees and Compensation

A. Fee Schedule

For Financial Life Planning Services or Portfolio Management Services, the fee is based on
the following tiered schedule:

                       Total Assets Under Management        Annual Fee
                       First $5,000,000                     1.0%
                       $5,000,001-$15,000,000               0.75%
                       $15,000,001+                         0.5%

Fees are paid monthly in arrears using the average daily balance of the account value
during the period. All accounts in a household are combined to determine the Total
Assets Under Management for the period. For Financial Life Planning Services, there is a
minimum annual fee of $10,000, calculated on a monthly basis.

These fees may be negotiable. Clients may terminate the agreement without penalty for a
full refund of Chicory Wealth's fees within five business days of signing the advisory
agreement. Thereafter, clients may terminate the advisory agreement generally upon
written notice. Refund of any fees will be prorated based on the contract anniversary
date.

Estate Planning Services
The fees for estate planning will be determined based on the complexity of the planning
services needed. The fee is detailed in a separate Estate Planning Services Agreement, but
the minimum fee is $1000, and the maximum fee is $5000.

The fees may be negotiable in certain cases, will be agreed to at the start of the engagement,
and are due at the end of the engagement. Clients are not required to utilize any third party
products or services that we may recommend and they can receive similar services from
other professionals at a similar or lower cost.

B. Payment of Fees

Fees are debited direct from your account that we manage at the custodian.

C. Clients Responsible for Fees Charged by Financial Institutions and
External Money Managers

In connection with Chicory Wealth’s management of an account, a client will incur fees and/or

       expenses separate from and in addition to Chicory Wealth’s advisory fee. These additional fees
       may include transaction charges and the fees/expenses charged by any custodian, subadvisor,
       mutual fund, ETF, separate account manager (and the manager’s platform manager, if any),
       limited partnership, or other advisor, transfer taxes, odd lot differentials, exchange fees, interest
       charges, ADR processing fees, and any charges, taxes or other fees mandated by any federal, state
       or other applicable law, retirement plan account fees (where applicable), margin interest,
       brokerage commissions, mark-ups or mark-downs and other transaction-related costs, electronic
       fund and wire fees, and any other fees that reasonably may be borne by a brokerage account. For
       External Managers, clients should review each manager’s Form ADV 2A disclosure brochure and
       any contract they sign with the External Manager (in a dual contract relationship). The client is
       responsible for all such fees and expenses. Please see Item 12 of this brochure regarding

Item 7: Types of Clients
Chicory Wealth generally provides financial planning services to the following types of clients:

   ❖       Individuals
   ❖       High-Net-Worth Individuals
   ❖       Charitable Organizations

There is no account minimum relating to Chicory Wealth’s provision of financial planning
services. However, see Item 5 above for information regarding Chicory Wealth’s fee schedule for
providing financial planning and asset management services.