Master's Wealth Management Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
advisory agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management and Investment Management Services
Fees are paid quarterly in advance based on the average daily balance in the accounts during the prior quarter.
Fees range from 0.25% to 1.50% annually, pursuant to the terms of the wealth management agreement or
investment management agreement. Fees are based on several factors, including: the scope and complexity of the
services to be provided; the level of assets to be managed; and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities
may be charged a higher fee.

The fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first
quarter. Fees may be negotiable at the sole discretion of the Advisor. Clients are typically offered a tiered fee
schedule based on the above range. In certain circumstances, the Advisor may charge a fixed annual fee for its
                                              Master’s Wealth Management Inc.
                                             1415 E Oregon RD, Leola, PA 17540
                                 Phone: (717) 581-1323 | Website: https://mastersadvisors.com

services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor
across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Master’s will be
independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to
ensure accurate billing.

Clients may make additions to and withdrawals from their account[s] at any time, subject to Master’s’ right to
terminate an account. Additions may be in cash or securities provided that Master’s reserves the right to liquidate
any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw
account assets on notice to Master’s, subject to the usual and customary securities settlement procedures.
However, Master’s designs its portfolios as long-term investments, and the withdrawal of assets may impair the
achievement of a Client’s investment objectives. Master’s may consult with its Clients about the options and
ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated,
they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales
charge) and/or tax ramifications.

Financial Planning Services
Financial planning fees generally range up to $20,000 annually and are based on the scope and complexity of
the services to be provided. Financial planning engagements are negotiated based on the nature and complexity
of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be
determined prior to engaging for these services.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee
with an increased level of assets placed under management with an Independent Manager. The Advisor will
allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed
agreement between the Advisor and the Independent Manager. If the Client is required to authorize and enter into
a wealth management agreement with an Independent Manage then the terms of such fee arrangements are
included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent
Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed
2.00% annually.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.75% and are billed in
advance or arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are
based on the market value of assets under management in the Plan. Fees may be negotiable depending on the
size and complexity of the Plan.

B. Fee Billing
Wealth Management and Investment Management Services
Fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The
Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s
account[s]. The amount due is calculated by applying the quarterly rate (Annual Rate divided by 365 multiplied by
number of days in the billing period) to the average daily assets under management with the Advisor.

Clients will be provided with a statement, generally quarterly, from the Custodian reflecting the deduction of the
management fee. Clients provide written authorization permitting management fees to be deducted by Master’s to
be paid directly from their account[s] held by the Custodian as part of the wealth management agreement and
separate account forms provided by the Custodian.

For Client accounts implemented through an Independent Manager, the Client’s overall fees may include
Master’s’ management fee (as noted above) plus management fees and/or platform fees charged by the
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Item 7 – Types of Clients

Master’s offers advisory services to individuals, high net worth individuals, families, trusts, estates, charitable
organizations, businesses, and retirement plans. Master’s generally does not impose a minimum relationship
size.