O'Boyle Wealth Management Inc

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Comprehensive Portfolio Management:

The maximum annual fee charged for this service will not exceed 1.75%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro-rata
basis quarterly in advance based on the value of the account(s) on the last day of the previous quarter.
In addition, billing adjustments will be made, on an annualized pro-rata basis, for cash deposits and
withdrawals during the quarter in amounts of ten thousand dollars ($10,000) or more. It is important to
note that our firm includes cash and cash equivalents held in client accounts for billing purposes unless
specified in writing. Assets held away from the custodian may be charged monthly or in arrears and will
be outlined in the signed Advisory Agreement. Fees are negotiable and will be deducted from client
account(s). Adjustments will be made for deposits and withdrawals during the quarter. In rare cases, our
firm will agree to directly invoice. As part of this process, Clients understand the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm
       will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, legend urging the comparison of information
       provided in our statement with those from the qualified custodian will be included.

Held away Account Management:

The maximum annual fee charged for this service will not exceed 1.25%. Fees to be assessed will be
outlined in the advisory agreement executed by the Client. Annualized fees are billed on a pro-rata basis
monthly in arrears. During the first calendar year of service, the fees are based on the value of the
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account(s) on the first business day following the day the advisory agreement is executed. For the years
following, the fee is based on the value of the account(s) on the first day of the year and adjusted
annually thereafter. Fees are negotiable. Our Firm will either debit advisory fees from another non-
qualified account managed by our Firm or send an invoice payable within 45 days directly to clients. As
part of this process, Clients understand the following:

    a) Your independent custodian sends statements at least quarterly to you showing the market
       values for each security included in the Assets and all disbursements in your account;
    b) You provide written authorization permitting OWM to be directly paid by these terms. We send
       our invoice directly to the custodian;
    c) We urge client’s to verify the calculation of advisory fees deducted from the account;

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $1,000. Flat fees will
not exceed $50,000. The fee-paying arrangements will be determined on a case-by-case basis and will be
detailed in the signed consulting agreement. Our firm will not require a retainer exceeding
$1,200 when services cannot be rendered within 6 months.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the
percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum hourly
fee to be charged will not exceed $500. Flat fees will not exceed $100,000. Fees based on a percentage
of managed Plan assets will not exceed 1.00%. The fee-paying arrangements will be determined on a
case-by-case basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Non-Wrap Clients may incur transaction fees for trades executed by their chosen custodian via
individual transaction charges. These transaction fees are separate from our firm’s advisory fees and will
be disclosed by the chosen custodian. Clients may also pay holdings charges imposed by the chosen
custodian for certain investments, charges imposed directly by a mutual fund, index fund, or exchange
traded fund, which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or
deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA
and qualified retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid
to market makers, fees for trades executed away from custodian, wire transfer fees and other fees and
taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of these
fees.

Fidelity Brokerage Services (“Fidelity”), recently eliminated transaction fees for U.S. listed equities and
exchange traded funds for clients who opt into electronic delivery of statements or maintain at least $1
million in assets at Fidelity.

Our firm generally utilizes investments that do not charge transaction fees for our Asset Management
Clients. Wrap clients will not incur transaction costs for trades by their chosen custodian. More
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information about this can be found in our separate Wrap Fee Program Brochure.

Termination & Refunds
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Item 7: Types of Clients & Account Requirements

Fidelity Brokerage Services (“Fidelity”), recently eliminated transaction fees for U.S. listed equities and
exchange traded funds for clients who opt into electronic delivery of statements or maintain at least $1
million in assets at Fidelity.

Non-Wrap Comprehensive Portfolio Management services are only offered to accounts with a balance
below $250,000. Wrap Comprehensive Portfolio Management services are reserved for accounts whose
balance exceeds $250,000 at inception or exceeds $250,000 at quarter end while under OWM’s
management.

Our firm has the following types of clients:
    • Individuals and High Net Worth Individuals;
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    •    Trusts and Estates;
    •    Pension and Profit Sharing Plans;
    •    Corporations, Limited Liability Companies and/or Other Business Types