O'Connor Wealth Management Inc

Item 5 ‒ Fees and Compensation

A. Wealth Management Services ("WMS")

1. Description of Fees for WMS
OWM charges a standard annual fee of 1.00% of the account value, which includes all assets managed by
OWM. The specific annual fee rate for the Client's account, which may differ from the standard, is
specified in the advisory agreement. As a general policy, fees are negotiable for client relationships with
total account values of $3 million or more. OWM, however, at its sole discretion, may discount or waive
advisory fees for accounts with less than $3 million in assets.

OWM applies "householding" of accounts for fee calculation purposes. This means that we combine the
values assets of related accounts (such as those of spouses, partners, and dependent children) towards the
$3 million threshold for negotiability. This approach may result in clients qualifying for lower overall fee
rates. Lower fees for comparable services may be available from other investment advisers.

2. Fee Billing for Wealth Management Services ("WMS")
WMS is OWM's flagship service, which requires clients to have a TradePMR/Wells Fargo account
relationship. For more information on this arrangement, please refer to "Item 12 – Brokerage Practices."

Advisory fees are billed quarterly in advance and are directly debited from client accounts held at Wells
Fargo Clearing Services, LLC ("Wells Fargo") under the trade name of First Clearing. The investment
advisory fee is billed quarterly in advance, based on the account value as of the first trading day's opening
price of the current calendar quarter. For new accounts, the initial fee is prorated based on the number of
days remaining in the current billing period, calculated from the date services begin.

We instruct TradePMR, Inc. ("TradePMR"), our broker-dealer and technology service provider, to process
these fee deductions. TradePMR then coordinates with Wells Fargo, the qualified custodian, to deduct the
fees from client accounts.

3. Fees and Billing for Ancillary Accounts
As described in "Item 4 – Advisory Business," OWM manages ancillary accounts for existing WMS
clients held at other financial institutions. The standard annual advisory fee for ancillary accounts is
consistent with the client's WMS fee schedule. Advisory fees are billed in advance and are directly
debited from client accounts in accordance with the billing procedures of the applicable custodial
platform. Depending on the custodian, fees may be billed quarterly or monthly, and the basis for the fee
calculation (e.g., opening balance, average daily balance) may vary by platform.

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For more information about our brokerage practices and custodial arrangements, please refer to

Item 7 ‒ Types of Clients

OWM offers its advisory services to individuals, high-net-worth individuals, trusts, estates, and
charitable organizations.