M Wealth Management LLC

ITEM 5           FEES AND COMPENSATION

Compensation for Our Advisory Services

ASSET MANAGEMENT SERVICES
The maximum annual fee charged for this service will not exceed $50,000 or 2.00%. Fees to be
assessed will be outlined in the advisory agreement to be signed by the Client. Our firm bills on
cash unless indicated otherwise in writing. Annualized fees are either charged on a flat monthly
or quarterly fee based on the complexity of managing the account, or billed on a pro-rata basis
quarterly in advance based on the value of the account(s) on the last day of the previous quarter.
All fees are negotiable and will be deducted from Client account(s) by MWM.

Accounts charged on a flat fee basis will not be assessed an adjustment for deposits and
withdrawals in the month or quarter. Adjustments will be made for deposits and withdrawals
during the quarter for accounts charged on a pro-rata basis. Deposits of cash or securities in
excess of $10,000 in an account after the beginning of a calendar quarter shall be immediately
subject to a pro-rated fee based on the applicable fee schedule. Clients are entitled to a pro-rated
refund of advisory fees for withdrawals of cash or securities in excess of $10,000 after the
beginning of a calendar quarter.

Should a client open an account during the quarter, management fees will be prorated for assets
held for a partial quarter based on the number of days that the account was open during the
quarter. In the event that MWM’s services are terminated mid-quarter, the annual fee shall be
prorated through the date of termination as defined in the Agreement and any earned, unpaid
balance will be immediately due and payable by client, and any pre-paid unearned fees will be
promptly refunded to the client.

In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand the
following:

    The client’s independent custodian sends statements at least quarterly showing the market
     values for each security included in the Assets and all account disbursements, including the
     amount of the advisory fees paid to our firm;

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    Clients will provide authorization permitting our firm to be directly paid by these terms. Our
     firm will send an invoice directly to the custodian; and

    If our firm sends a copy of our invoice to the client, legend urging the comparison of
     information provided in our statement with those from the qualified custodian will be
     included.

FINANCIAL PLANNING SERVICES
Our firm charges on an hourly, flat, or ongoing fee basis for financial planning and consulting
services. The total estimated fee, as well as the ultimate fee charged, is based on the scope and
complexity of our engagement with the client.

    The maximum hourly fee to be charged will not exceed $400

    Flat fees range from $750 to $10,000

    Ongoing fees range from $199 to 499 per month

The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in
the signed consulting agreement. Our firm will not require a retainer exceeding $1,200 when
services cannot be rendered within 6 months.

Other Fees & Expenses

Clients will incur transaction charges for trades executed by their chosen custodian. These
transaction fees are separate from our firm’s advisory fees and will be disclosed by the chosen
custodian. Clients may also pay holdings charges imposed by the chosen custodian for certain
investments, charges imposed directly by a mutual fund, index fund, or exchange traded fund,
which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred
sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA
and qualified retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads
paid to market makers, fees for trades executed away from custodian, wire transfer fees and
other fees and taxes on brokerage accounts and securities transactions. Our firm does not receive
a portion of these fees. Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction fees for
U.S. listed equities and exchange traded funds.

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Termination & Refunds
Either party may terminate the advisory agreement signed with our firm for Asset Management
service in writing at any time. Upon notice of termination our firm will process a pro-rata refund
of the unearned portion of the advisory fees charged in advance.

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all
work performed by us up to the point of termination shall be calculated at the hourly fee
currently in effect. Clients will receive a pro-rata refund of unearned fees based on the time and
effort expended by our firm.

Commissionable Securities Sales
Our firm and representatives do not sell securities for a commission in advisory accounts.

ITEM 7           TYPES OF CLIENTS & ACCOUNT REQUIREMENTS
MWM provides personalized investment advisory services to individuals, high net worth clients,
and businesses.

MWM reserves the right to accept or decline a potential client for any reason in its sole discretion.
MWM requires a minimum initial investment of $25,000 to open an account, or group of related
accounts. In certain cases, account minimums may be waived at the sole discretion of MWM.
Prior to engaging MWM to provide any of the investment advisory services described in this
Brochure, the client will be required to enter into a written Agreement with MWM setting forth
the terms and conditions under which MWM shall render its services.

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