MWM Group LLC

Fees and Compensation

All clients will be required to execute a written agreement that will describe the type of services to be provided
and the fees, among other items.

Financial Planning

Financial planning fees can be hourly, fixed fee basis, or included with asset management services. Our hourly
charge is $400 per hour. Fixed fees will be between $2,000 and $10,000. The fee range stated is a guide. Fees
may be higher or lower than this range, based on the nature of the engagement. Fees are negotiable, and will
depend on the anticipated complexity of your plan.

Asset Management

Generally, fees vary from 0.35% to 2.50% per annum of the net value of a client’s accounts managed by MWM
Group. The fee range stated is a guide. Fees are negotiable, and may be higher or lower than this range, based
on the nature of the account. Factors affecting fee percentages include the size of the account, complexity of
asset structures, and other factors.

Fee Payment

Fees for financial planning and/or consulting will be billed to each client. If the client terminates the agreement
prior to completion of the services, any unearned fees will be returned to the client.

Investment advisory fees will be debited directly from each client’s account. The advisory fee is paid quarterly,
in advance, and the value used for the fee calculation is the net value as of the last market day of the previous
quarter. This means that if your annual fee is 1.00%, then each quarter we will multiply the value of your
account by 1.00% then divide by 4 to calculate our fee. The value used to calculate MWM Group’s fee will
include any allocation to cash or cash-like instruments, such as money market funds or accounts, of the client’s
investable assets. Investable cash means cash that is in client account as an asset allocation. Cash that is not in
investable cash is cash that has been identified by the client as designated for a specific purpose.

Once the calculation is made, we will instruct your account custodian to deduct the fee from your account and
remit it to MWM Group.

Clients whose fees are directly debited will provide written authorization to debit advisory fees from their
accounts held by a qualified custodian chosen by the client. Each quarter, clients will receive a bill itemizing
the fees to be debited, including the formula used to calculate the fee, the amount of assets the fee is based,
and the time period covered by the fee. The invoice will also state that the fee was not independently calculated
by the custodian. The client will also receive a statement from their account custodian showing all transactions
in their account, including the fee.

Other Fees

There are a number of other fees that can be associated with holding and investing in securities. As part of the
Wrap Program, some of these fees may be paid on your behalf by MWM Group. Fees included in the wrap fee
include transaction fees for the purchase or sale of securities, but do not include expenses related to the use of
margin, wire transfer fees, the fees charged to shareholders of mutual funds or ETFs, mark-ups and mark-
downs, spreads, odd-lot differentials, fees charged by regulatory agencies, and any transaction fees for
securities trades executed by a broker-dealer other than Schwab Advisor Services. Expenses of a fund will not
be included in management fees, as they are deducted from the value of the shares by the mutual fund manager.
Expenses for the management fees of third party managers are also not included in the Wrap Program, and to
the extent utilized, you will be responsible for such fees. For complete discussion of expenses related to each
mutual fund, you should read a copy of the prospectus issued by that fund. MWM Group can provide or direct
you to a copy of the prospectus for any fund that we recommend to you.

All clients, but especially those with smaller accounts, should be advised they may receive similar services
from other professionals for higher or lower overall costs.

Please make sure to read Item 12 of the firm’s informational brochure, where we discuss broker-dealer and
custodial issues.

Pro-rata Fees

If you become a client during a quarter, you will pay a management fee for the number of days left in that
quarter. If you terminate our relationship during a quarter, you will be refunded the portion of the prepaid
management fee for the remainder of the quarter. Once your notice of termination is received, we will refund
the unearned fees to you in whatever way you direct (check, wire back to your account). MWM Group will
cease to perform services, including processing trades and distributions, upon termination. Assets not
transferred from terminated accounts within 30 (thirty) days of termination may be “de-linked”, meaning they
will no longer be visible to MWM Group and will become a retail account with the custodian.

      Compensation for the Sale of Securities

      To permit MWM Group clients to have access to as many investment solutions as possible, certain
      professionals of MWM Group may be registered representatives of Purshe Kaplan Sterling Investments
      (“PKS”), a FINRA member broker-dealer. The relationship with PKS allows these professionals to provide
      additional products to clients’ portfolios that would not otherwise be available. Because PKS supervises the
      activities of these professionals as registered representatives of PKS, the relationship may be deemed material.
      However, PKS is not affiliated with MWM Group or considered a related party. PKS does not make investment
      decisions for client accounts. Registered representative status enables these professionals to receive customary
      commissions for the sales of various securities, including those he recommends to clients. In addition, when
      mutual funds are utilized, depending on the share class selected, the registered representatives also receive
...

Item 7:           Types of Clients

          Clients advised may include individuals, trusts, estates, pension and profit sharing plans, foundations, and
          corporations. MWM Group requires each client to place at least $25,000 with the firm. This minimum may be
          waived in the discretion of MWM Group.