Mussett Wealth Management LLC

Item 5 - Fees and Compensation
   Description
   Mussett Wealth Management bases its fees on a percentage of assets under
   management and/or hourly services.
   The annual Advisory Service Agreement fee for individual clients is based on a
   percentage of assets under management and ranges from .6% to 1%. Current client
   relationships may exist where the fees are lower than the fee schedule above. Financial

                                Mussett Wealth Management

planning fees may be billed on a flat fee, not to exceed $6,000, or an hourly basis,
ranging from $175-$225 per hour. Financial plans are priced according to the degree of
complexity associated with the client’s situation.
The annual fee for consulting and investment advisory services to pension and profit
sharing plans range from .25% to 1.25% of the assets under advisement. Actual fees
depend on the size and type of plan and services to be provided.
Fee Billing
Fees for advisory services are billed quarterly, in arrears, and are based on the total
value of account assets as of the end of the previous quarter. Payment in full is expected
upon invoice presentation. Fees are usually deducted from a designated client account
to facilitate billing. The client must consent in advance to direct debiting of their
investment account and may choose to submit payment for management fees.
The agreement for services can be terminated by either party by providing written
notice to the other party and is effective upon receipt of the notice. Fees will be
prorated based on the number of days that services were provided prior to receipt of
the termination notice and billed to the client.
Fees for financial plans are based on the complexity of the plan and time expended on
the engagement. Fees for financial plans are billed 50% in advance with the balance due
upon delivery of the financial plan.
Other Fees
Clients may incur certain charges imposed by custodians and other third parties such as
transaction fees and transfer fees. Charles Schwab & Co., Inc. (Schwab) does not charge
transaction fees for U.S. listed equities and exchange traded funds.
Olivia Mussett and Helen Carroll are independently licensed insurance agents. If you opt
to follow their recommendations and they implement the transactions, they could
receive commissions in their capacity as independent insurance agents.
Expense Ratios
Mutual funds generally charge an expense ratio, a management fee for their services as
investment managers. For example, an expense ratio of 0.50 means that the mutual
fund company charges 0.5% for their services. These fees are in addition to the fees
paid by you to Mussett Wealth Management.
Performance figures quoted by mutual fund companies in various publications are after
their fees have been deducted.

Past Due Accounts and Termination of Agreement
Mussett Wealth Management reserves the right to stop work on any account that is
more than 30 days overdue. In addition, Mussett Wealth Management reserves the right
to terminate any financial planning engagement where a client has willfully concealed
or has refused to provide pertinent information about financial situations when
necessary and appropriate, in Mussett Wealth Management’s judgment, to providing
proper financial advice.

                              Mussett Wealth Management

Item 7 - Types of Clients
   Description
   Mussett Wealth Management generally provides investment advice to individuals,
   business owners, pension and profit sharing plan participants, 401(k) and pension
   plans, trustees, estate representatives and charitable organizations.
   Mussett Wealth Management generally requires a minimum account balance of
   $250,000 to open and maintain an account for our advisory services. This may be
   waived due to relationships, certain instances where assets have dropped below the
   minimum or for clients who are expected to reach the minimum balance in the future.
   Client relationships vary in scope and length of service.