MKD Wealth Coaches LLC

ITEM 5: FEES AND COMPENSATION

Investment Management Service Fees

Our investment management services are billed quarterly in advance and are based upon a percentage of
the market value of the assets in your account(s) under our management. Our fee varies depending upon
the investment strategy and market value of the assets under management but will not exceed 1.75% per
annum. Fees are typically charged based upon the market value of the assets on the last day of the prior
quarter as valued by our portfolio billing software. Valuations in our software will vary slightly from your
custodian based on position pricing sources, dividend posting dates, accrued interest treatment and other
similar factors. Note that for certain alternative investments, our software and/or your custodian may
report a market value that is one or more months delayed (typically 1-month or 1-quarter delayed). This
lag sometimes occurs when the underlying fund manager to the alternative investment has not yet
reported the current period-end market value for the investment to our software and/or your custodian. In
such cases, MKD will rely upon the most recent valuation reported by our software and/or your custodian
when calculating the fee.

In limited circumstances, a client can choose to pay a flat fee for investment management services. Flat
fees are assessed, in advance, and paid quarterly or monthly unless you request otherwise.

The terms and conditions of our Investment Management Services and Fees are set forth in your Advisory
Agreement.

Fee Prorations

We prorate the fee for your initial quarter starting the day your assets are designated for our management.
Our agreement with you continues until one of us terminates the agreement by providing the other party
with written notice. We prorate our fees through the date of termination and we refund you any
outstanding balance, as appropriate, in a timely manner.

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You may make additions to, and withdrawals from, your account at any time. Additions may be in cash or
securities, although we reserve the right to liquidate any transferred securities or decline to accept certain
securities into your account. You may withdraw assets from your account by contacting us and we will
provide the appropriate paperwork required by the custodian to initiate a withdrawal. Any withdrawal is
subject to the custodian’s usual and customary securities settlement procedures. If you deposit or
withdraw $50,000 or more to or from a managed account during a calendar quarter, we adjust our
advisory fee on a prorated basis for the remainder of the quarter based on the amount of the deposit or
withdrawal and the number of days remaining in the quarter.

Additional Information on Fees and Services

We reserve the right to negotiate our fees with all clients, and your fees may be higher or lower than other
clients of the Firm. Whether or not we negotiate fees, the fees we charge you will be set forth in your
Advisory Agreement and/or Planning Agreement.

We generally waive our service fees for our employees and their immediate family members.

Our fees do not include brokerage commissions, transaction and trade-away fees, and other related costs
and expenses incurred in connection with providing investment advisory services to you. For additional
information regarding brokerage arrangements see Item 12.

Mutual funds and exchange-traded funds charge internal management fees, which are disclosed in the
fund’s prospectus. If a mutual fund also imposes sales charges, you will pay an initial or deferred sales
charge. Some mutual fund companies waive the sales charge, while others do not. However, we primarily
recommend “no-load” mutual funds, which do not have a commission or sales charge. Internal fund
management fees and sales charges are in addition to our advisory fee. Generally, many mutual funds and
exchange-traded funds can be purchased directly, without using our services and without incurring our
advisory fees.

Fees charged by Independent Managers to manage portions of your assets are separate from and in
addition to our fees described above. Independent Manager fees are listed in each Independent Manager’s
investment advisory agreement with you or alternatively are listed in a sub-advisory agreement between
MKD and the Independent Manager as permitted by your Advisory Agreement with MKD. The
Independent Manager fee is typically paid quarterly in arrears and will be directly debited from your
account as authorized by the Independent Manager.

We design our portfolios as long-term investments, and asset withdrawals could impair the achievement
of your investment objectives. You are responsible for any commissions, transaction fees, account
servicing fees, or taxes due in connection with the liquidation of investment positions to facilitate cash or
asset withdrawals. When we liquidate securities transferred into your account from another custodian, you
will incur applicable commissions, transaction fees, fees assessed at the mutual fund level or variable
annuity level (e.g., contingent deferred sales charges, redemption fees) and/or taxes.

Generally, you will authorize us under our Advisory Agreement to direct your custodian to deduct our
fees directly from your account. If you provide us such authorization, the custodian’s periodic statements

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will show each fee deduction from your account. You have the option to withdraw this authorization for
direct billing of these fees at any time by notifying your custodian or us in writing.

If you elect to use margin in your account, you will incur interest charges assessed by and paid to the
custodian, pursuant to the custodial agreement. These charges are separate from MKD’s investment
management services fee.
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ITEM 7: TYPES OF CLIENTS

We are an investment adviser providing investment management, financial planning, and consulting
services to high-net-worth individuals, individuals, pension and profit-sharing plans, trusts, charitable
organizations, and corporations. The minimum portfolio size for us to engage in investment management
is generally $1,000,000, though we may waive the minimum in our discretion. We generally do not
require a minimum portfolio size for our financial planning and consulting services.

Limitation on Investments in Alternative Investment Vehicles

If you desire to invest in an alternative investment vehicle, you will likely need to qualify as one or more
of the following: an “accredited investor” as defined under Regulation D of federal securities law, a
“qualified purchaser” as defined under the Investment Company Act of 1940, and/or a “qualified client”
as defined under the Investment Advisers Act of 1940. Additionally, a purchase in an alternative
investment vehicle may require a minimum investment amount, as described in the Offering Documents.

See Items 4, 5 and 8 for additional information regarding our use of alternative investments.

 March 2026                                  Form ADV Part 2A                                   Page 10 of 22