M3 Wealth Management LLC

Item 5 - Fees and Compensation

     A. Investment Management Services

M3 charges an annual investment management services fee that is agreed upon with each client and set
forth in an agreement executed by M3 and the client. M3’s investment management services fee is based
on a percentage of the value of assets under management. The investment management services fee shall
be paid, in arrears, based on the asset value of the client’s accounts as of the last business day of the month.
Fees are prorated for partial billing periods, including the initial month. The value of assets of client
accounts is provided by third-party sources, such as pricing services, custodians, fund administrators, and
client-provided sources. For purposes of fee calculation, the asset value of client accounts include cash and
cash equivalents, as well as margined securities. M3 does not reduce management fees for margin
borrowing, regardless of whether the assets are in cash or other securities. M3 has a financial incentive to
recommend that clients borrow money for the purchase of additional securities for the client’s account
managed by M3 or otherwise not liquidate some or all the assets M3 manages. M3 addresses this conflict
of interest by this disclosure and working to ensure that any recommendation to a client regarding the use
of margin is suitable for the client.

Following is M3’s asset based fee schedule for investment management services:

                                                 FEE SCHEDULE
                              Market Value of Assets                        Rate
                       Up to $250,000                                       1.50%
                       $250,001 to $500,000                                 1.25%
                       $500,001 to $750,000                                 1.10%
                       $750,001 to $1,000,000                               1.00%
                       $1,000,001 and above                               negotiable
                       The percentage for the highest range of Managed Asset value achieved
                       applies to all Managed Assets, not just Managed Assets within that
                       range.

M3’s policy is to include all related client accounts, specifically the accounts of direct family members
sharing the same residence address, for purposes of determining a client’s market value of assets.

Notwithstanding the foregoing, M3 and the client may choose to negotiate an investment management
services fee that varies from the schedule set forth above. Factors upon which a different annual

M3 Wealth Management                                                         Disclosure Brochure

investment management services fee may be based include, but are not limited to, the size and nature of
the relationship, the services rendered, the nature and complexity of the products and investments
involved, time commitments, and travel requirements. The investment management services fee charged
by the Firm will apply to all of the client’s assets under management, unless specifically excluded in the
client agreement. Although M3 believes that its fees are competitive, clients should understand that lower
fees for comparable services may be available from other sources and firms.

The investment management services agreement between M3 and the client may be terminated at will by
either M3 or the client upon written notice. M3 does not impose termination fees when the client terminates
the investment management services relationship, except when agreed upon in advance.

     B. Payment of Fees

M3 generally deducts its investment management services fee from a client’s investment account(s) held at
his/her custodian. Upon engaging M3 to manage such account(s), a client grants M3 this limited authority
through a written instruction to the custodian of his/her account(s). The client is responsible for verifying
the accuracy of the calculation of the advisory fee; the custodian will not determine whether the fee is
accurate or properly calculated.

Although clients generally are required to have their investment management services fees deducted from
their accounts, in some cases, M3 will directly bill a client for investment management services fees if it
determines that such billing arrangement is appropriate given the circumstances.

The custodian of the client’s accounts provides each client with a statement, at least quarterly, indicating
separate line items for all amounts disbursed from the client's account(s), including any fees paid directly
to M3.

Clients may make additions to and withdrawals from their account at any time, subject to M3’s right to
terminate an account. Additions may be in cash or securities provided that the Firm reserves the right to
liquidate transferred securities or decline to accept particular securities into a client’s account. Clients may
withdraw account assets at any time on notice to M3, 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. M3 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.

     C. Clients Responsible for Fees Charged by Financial Institutions

In connection with M3’s management of an account, a client will incur fees and/or expenses separate from
and in addition to M3’s advisory fee. These additional fees may include transaction charges and the
fees/expenses charged by any custodian, mutual fund, ETF, limited partnership, transfer taxes, odd lot
...

Item 7 - Types of Clients

M3 offers investment advisory services to individuals, including high net worth individuals, families,
family offices, trusts, businesses, charitable foundations, and retirement/profit-sharing plans. M3 does not
impose a minimum portfolio size or a minimum initial investment to open an account. However, M3 does
reserve the right to accept or decline a potential client for any reason in its sole discretion.