Oak Creek Private Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management           Annual Fees
        $0 - $250,000                           0.50%

        $250,001 - $500,000                     0.40%

        $500,001 - $1,000,000                   0.30%

        $1,000,001 - $2,000,000                 0.25%

        $2,000,001 - $5,000,000                 0.20%

        $5,000,001 And Above                    0.15%

OCPWM uses an average of the daily balance in the client's account throughout the billing
period, after taking into account deposits and withdrawals, for purposes of determining
the market value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of OCPWM's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
generally with 30 days' written notice.

Selection of Other Advisers Fees

OCPWM may direct clients to third-party investment advisers. OCPWM will receive its
standard fee in addition to the fee paid to the third party adviser. The fees shared are
negotiable and will not exceed any limit imposed by any regulatory agency. The notice of
termination requirement and payment of fees for third-party investment advisers will
depend on the specific third-party adviser selected.

OCPWM may specifically direct clients to Envestnet CRD#111694. The annual fee
schedule is as follows:

       Total Assets           OCPWM’s Fee       Third Party’s Fee     Total Fee
         All Assets               Up to 1.00%      Up to .50%        Up to 1.50%

OCPWM utilizes a third-party investment adviser and the advisory fee charged by
OCPWM is a maximum of 1% and the third- party fee will not exceed .50%. These fees
are negotiable.

Consulting Services Fees

Asset-Based Fees for Investment Consulting

         Total Assets Under Management                  Annual Fee
                     $0 – 1,000,000                        0.35%

                $1,000,001 - $2,000,000                    0.30%

                $2,000,001 - $5,000,000                    0.25%

                $5,000,001 - $10,000,000                   0.20%

               $10,000,001 - $20,000,000                   0.17%

                  Over – $20,000,000                       0.15%

OCPWM uses quarter-end balances in the client's account at the end of the billing period,
for purposes of determining the market value of the assets upon which the advisory fee is
based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement.

Clients may terminate the agreement without penalty for a full refund of OCPWM's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the pension consulting agreement generally with 15 days' written notice.
OCPWM uses an average of the daily balance in the client’s account throughout the billing
period, after taking into account deposits and withdrawals, for purposes of determining
the market value of the assets upon which the advisory fee is based.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.

       Payment of Investment Consulting Fees

       Asset-based consulting fees are withdrawn directly from the client's accounts with client's
       written authorization on a quarterly basis, or may be invoiced and billed directly to the
       client on a quarterly basis. Clients may select the method in which they are billed. Fees are
       paid in arrears.

       Payment of Selection of Other Advisers Fees

       Fees are paid quarterly in arrears.

       Fees for selection of Envestnet as third-party adviser are withdrawn by Envestnet directly
       from client accounts. OCPWM then receives its portion of the fees from Envestnet;
       OCPWM does not directly deduct the advisory fees for selection of other adviser fees.

       C. Client Responsibility For Third Party Fees

       Clients are responsible for the payment of all third party fees (i.e., custodian fees,
       commissions, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are
       separate and distinct from the fees and expenses charged by OCPWM. Please see Item 12
       of this brochure regarding broker-dealer/custodian.

       D. Prepayment of Fees

       OCPWM collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither OCPWM nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients

OCPWM generally provides advisory services to the following types of clients:

       ❖      Individuals

      ❖      High-Net-Worth Individuals
      ❖      Pension and Profit Sharing Plans
      ❖      Charitable Organizations
      ❖      Corporations or Business Entities

There is no account minimum for any of OCPWM’s services.