Manna Wealth Management Inc

Item 5: Fees and Compensation
Method of Compensation and Pricing Schedule

 ASSET MANAGEMENT
 Manna offers direct asset management services to advisory Clients. Manna assesses an
 annual investment advisory fee between 0.0% and 2.75% based on the total assets under
 management.
 The annual cost is negotiable based upon certain criteria (e.g., historical relationship, type of
 assets, anticipated future earning capacity, anticipated future additional assets, dollar
 amounts of assets to be managed, related accounts, account composition, negotiations with
 Clients, etc.). Manna considers cash to be an asset class, and as such is included in cost
 calculations. Also, to be noted, at times fees will exceed the money market yield. Fees are
 billed quarterly in advance based on the amount of assets managed as of the close of business
 on the last business day of the previous quarter. If the Account does not contain sufficient
 funds to pay advisory fees, Manna has authority to sell or redeem securities in sufficient
 amounts to pay advisory fees.
 Lower fees for comparable services may be available from other sources. Clients may
 terminate their account within five (5) business days of signing the Investment Advisory
 Agreement with no obligation and without penalty. After the initial five (5) business days,
 the agreement may be terminated by Manna with thirty (30) days written notice to Client
 and by the Client at any time with written notice to Manna.
 There is no fee adjustment made for account deposits and/or withdrawals during a billing
 period.
 For accounts opened or closed mid-billing period, fees will be prorated based on the days
 services are provided during the given period. Additionally, all unearned fees will be
 refunded to the Client. Client shall be given thirty (30) days prior written notice of any
 increase in fees. Any increase in fees will be mutually consented and acknowledged in writing
 by both parties before any increase in said fees occurs.
Client Payment of Fees
 Fees for asset management services are deducted from a designated Client account. The
 Client must consent in advance to direct debiting of their investment account.
Additional Client Fees Charged
 Custodians may charge transaction fees and other related costs on the purchases or sales of
 mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money
 market funds and exchange-traded funds also charge internal management fees, which are
 disclosed in the fund’s prospectus. Manna does not receive any compensation from these
 fees. All of these fees are in addition to the management fee you pay to Manna. For more
 details on the brokerage practices, see Item 12 of this brochure.

Prepayment of Client Fees
 Manna does not require any prepayment of fees of more than $1,200 per Client and six
 months or more in advance.
 Investment management fees are billed quarterly 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.).
External Compensation for the Sale of Securities to Clients
 Investment Advisor Representatives of Manna receive external compensation from sales of
 investment related products such as insurance as licensed insurance producers. This
 represents a conflict of interest because it gives an incentive to recommend products based
 on the commission received. This conflict is mitigated by disclosures, procedures, and
 Manna’s fiduciary obligation to place the best interest of the Client first and Clients are not
 required to purchase any products or services. Clients have the option to purchase these
 products through another insurance producers of their choosing.

Item 7: Types of Clients
Description
 Manna generally provides investment advice to individuals, high net worth individuals,
 corporations or business entities. Client relationships vary in scope and length of service.
Account Minimums
 Manna requires a minimum of $250,000 to open and maintain an account. In certain
 instances, the minimum account size may be lowered or waived.