O'Connell Investment and Insurance Services LLC

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
Our Firm charges a fee as compensation for providing investment management services
on your account. These services include advisory services, trade entry, investment
supervision, and other account-maintenance activities. Our custodian may charge
custodial fees, redemption fees, retirement plan and administrative fees. See Additional
Fees and Expenses below for additional details.

The fees for investment management are based on an annual percentage of assets under
management and are applied to the household asset value on a pro-rata basis and billed
quarterly in advance. The initial fee will be based upon the account market value on the
date the account is accepted for management by execution of the advisory agreement by
GO Wealth and assets are transferred into the account through the last day of the current
quarter. Thereafter, the quarterly fee will be calculated on the market value on the last
business day of the prior quarter. The market value will be determined as reported by the
Custodian. Unless otherwise agreed upon and stated in the Investment Management
Agreement, fees are assessed on all assets under management. This includes securities,
cash, margin and money market balances. Each of these are considered categories within
the asset allocation for the client’s investment strategy. Cash balances held outside of
investment models are excluded from billing. Securities and margin balances are included
as part of assets under management for purposes of calculating the firm’s advisory fee.
Clients should note that including margin balances within the asset allocation will increase
the total assets under management used to calculate advisory fees which will increase the
amount of fees collected by our firm. This practice creates a conflict of interest because
our firm has an incentive to use margin in order to increase the amount of billable assets.
At all times, the firm and its adviser strive to uphold their fiduciary duty and act in the best
interest of our clients. When applicable and noted in the Investment Management
Agreement, legacy positions can be excluded from the fee calculation.

Our maximum annual investment advisory fee is 2.00% or we may negotiate a lower
advisory fee. The specific advisory fees are set forth in your Investment Advisory
Agreement. Fees may vary based on the size of the account, complexity of the portfolio,
extent of activity in the account or other reasons agreed upon by us and you as the client.
In certain circumstances, our fees and the timing of the fee payments may be negotiated.

                                O’Connell Investment & Insurance Services
                                 FORM ADV 2A Brochure February 2026

Unless otherwise instructed by the Client, we will aggregate related client accounts for the
purposes of determining the account size and annualized fee. The common practice is
often referred to as “house-holding” portfolios for fee purposes, and may result in lower
fees than if fees were calculated on portfolios separately. Our method of house-holding
accounts for fee purposes looks at the overall family dynamic and relationship. With the
permission of our client, we often will include multi-generational factors such as the
account values of adult children and grandchildren as part of the family dynamic pricing. A
client may indicate legacy positions in Appendix B of the Investment Management
Agreement. These positions are otherwise known as inherited positions that will not be
managed or included in the fee calculation.

The independent qualified custodian holding your funds and securities will debit your
account directly for the advisory fee and pay that fee to us. You will provide written
authorization permitting the fees to be paid directly from your account held by the
qualified custodian. Further, the qualified custodian agrees to deliver an account
statement to you on a quarterly basis indicating all the amounts deducted from the
account including our advisory fees.

Either GO Wealth or you may terminate the management agreement immediately upon
written notice to the other party. The management fee will be pro-rated to the date of
termination, for the quarter in which the cancellation notice was given and the unearned
fee refunded to your account. Upon termination, you are responsible for monitoring the
securities in your account, and we will have no further obligation to act or advise with
respect to those assets. In the event of client’s death or disability, GO Wealth will continue
management of the account until we are notified of client’s death or disability and given
alternative instructions by an authorized party.

Employer Sponsored Retirement Plan Fees
We charge an annual fee as negotiated with the client and disclosed in the Employer
Sponsored Retirement Plans Investment Advisory Agreement. The compensation method
is explained and agreed upon in advance before any services are rendered. The maximum
fees are 1.00% annually and fees can be negotiated to a lower rate.

The Plan Sponsor does have the option to pay a flat fee equivalent to the basis point range
mentioned above. If elected by the client, a firm may negotiate a flat fee. The flat fee
would be equivalent to the estimated basis point fee based on the menu of services
selected in Appendix A/B of the Plan Sponsor Agreement. The client selects how they
would like the fee billed to the account. Flat fees do not exceed 2.00% of RAUM and the
fees are reviewed annually based on the RAUM.

Plan Sponsors can select monthly or quarterly fee billing arrangements.

                               O’Connell Investment & Insurance Services
                                FORM ADV 2A Brochure February 2026

Plan advisory services begin with the effective date of the Investment Advisory Agreement,
which is the date you sign the Investment Advisory Agreement. For that calendar billing
...

ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals, high net-worth individuals, foundations,
charitable organization, trusts, estates, and employer sponsored retirement plans. We do
not have a minimum initial account value for opening accounts.