Manuka Financial LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an investment advisory
and/or a financial planning agreement (each, a “Client Contract”), the Client Contract may be terminated by the
Client within five (5) business days of signing the Client Contract without incurring any fees. How we are paid
depends on the type of advisory services we perform. Below is a brief description of our fees, however, you
should review your executed Client Contract for more detailed information regarding the exact fees you will be
paying.

Ongoing Comprehensive Financial Planning
Ongoing Comprehensive Financial Planning consists of an upfront charge of $950 - $10,000 (the “Initial Financial
Planning Fee”) and an ongoing fee (the “Ongoing Financial Planning Fee”) that is paid quarterly, in advance, at the
rate that generally ranges from $1,250 - $15,000 per quarter. Collectively, the Initial Financial Planning Fee and the
Ongoing Financial Planning Fee are referred to as the “Financial Planning Fee”). The Financial Planning Fee may
be negotiable in certain cases. The Financial Planning Fee may be paid by electronic funds transfer or check.
This service may be terminated upon written notice. Upon termination of any Client Contract, the Ongoing Financial
Planning Fee will be prorated, and any unearned fee will be refunded to the Client. The Initial Financial Planning
Fee is non-refundable.
The Initial Financial Planning Fee is for the development and delivery of the financial plan. This work will
commence immediately after the Initial Financial Planning Fee is paid and will be completed within the first 90
days of the date it is paid. Therefore, the Initial Financial Planning Fee will not be paid more than 6 months in
advance.
For Clients engaging in both Ongoing Comprehensive Financial Planning and Investment Management services,
their Financial Planning Fee may be directly debited from a managed account, not to exceed 2% of assets under
management per year.

                                              Date of Brochure: February 19, 2026

Investment Management Services

As noted above, our Financial Planning Fee includes Investment Management services for assets without
incurring an additional Investment Management Fee.

Our fees are negotiable and are prorated and paid in advance on a quarterly basis. No increase in the annual fee
shall be effective without agreement from the Client by signing a new agreement or amendment to their current
advisory agreement.
To the extent a Client is receiving Investment Management services from, our fees are directly debited from
Client accounts. The Client may alternatively choose to pay by electronic funds transfer or check. Accounts
initiated or terminated during a calendar quarter will be charged a prorated fee based on the number of days
remaining in the billing period. An account may be terminated with written notice. Upon termination of the
account, any unearned portion of our fee will be refunded to the Client.

Project-Based Financial Planning Fixed Fee
Project-Based Financial Planning is offered on a fixed fee basis. The fixed fee will be agreed upon before the
start of any work. The fixed fee can range between $950 and $25,000, depending on complexity and the needs of
the Client. The fee is negotiable. Half of the fee is due upon execution of the financial planning agreement and the
remainder is due at completion of work, however, MF will not bill an amount above $500.00, 6 or more months in
advance. Fees for this service may be paid by electronic funds transfer or check. In the event of early termination
any prepaid but unearned fees will be refunded to the Client and any completed deliverables of the project will be
provided to the Client and no further fees will be charged.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
may be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund and
exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus. Such
charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of
these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based sales
charges or service fees from the sale of mutual funds.

While our firm endeavors at all times to offer clients specialized services at reasonable costs, the fees charged
by other investments advisers for comparable services may be lower than the fees charged by our firm.

                                             Date of Brochure: February 19, 2026

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals and high net-worth individuals.
We do not have a minimum account size requirement.