Oak Wealth Advisors LLC

Fees and Compensation

                                                                                                        Form ADV Part 2A, Item 5
Investment Management Services

Oak Wealth charges clients for investment management services as a percentage-based fee, dependent upon the value of
the client’s assets under management with Oak Wealth. The interests of Oak Wealth are aligned with those of its clients.
Clients will pay more fees as the value of their portfolio increases and will be charged less if the value of their portfolio
declines. Also, as certain breakpoint levels are met, additional dollars added to the portfolio are billed at lower rates.
Family accounts are aggregated to achieve greater cost savings for all family members.

The annual fee varies depending upon the market value of the assets under management, and any breakpoints. Generally,
Oak Wealth's fee schedule is as follows:

         Assets Under Management                              Annual Advisory Fees

         First $1,000,000                                            .90%
         Assets between $1,000,001 – $3,000,000                     .75%
         Assets between $3,000,001 -- $5,000,000                    .60%
         Assets between $5,000,001 -- $10,000,000                   .40%
         Assets between $10,000,001 -- $20,000,000                  .30%
         Assets over $20,000,000                                    .20%

Oak Wealth, in its sole discretion, may negotiate to waive its stated account minimum of $5,000 or charge a lesser
management fee based upon certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets,
dollar amount of assets to be managed, related accounts, account composition, pre-existing client, account retention, pro
bono activities, etc.).

Oak Wealth only receives compensation from its clients. Oak Wealth never receives compensation in the form of sales
loads, commissions, 12B-1 fees, or other incentive compensation from mutual fund companies or other firms as these
types of compensation create inherent conflicts of interest, which Oak Wealth works diligently to avoid.

For the percentage-based fee, the annual fee will be prorated and charged quarterly, in advance, based upon the market
value of the assets on the last day of the prior quarter. Oak Wealth’s Investment Advisory Agreement and/or separate
agreements with the custodian(s) authorize the firm to charge the client's account for the amount of the quarterly fee. The
fee will be directly remitted to Oak Wealth by the custodian(s). The custodian(s) used by Oak Wealth will agree to send a
statement to the client, at least quarterly, indicating all amounts disbursed from the account including the amount of
management fees paid directly to Oak Wealth. In addition, Oak Wealth will provide the client with a quarterly invoice
detailing the fees charged and the accounts from which payment was taken.

The client may make additions to and withdrawals from the account at any time. Clients may withdraw account assets on
notice to Oak Wealth, subject to the usual and customary securities settlement procedures. However, Oak Wealth designs
its portfolios as long-term investments and asset withdrawals may impair the achievement of a client's investment
objectives.

For the initial quarter of investment management services, the first quarter's fees will be calculated on a pro rata basis. The
Investment Advisory Agreement between Oak Wealth and the client will continue in effect until terminated by either party
pursuant to the terms of the agreement. Oak Wealth's annual fee will be prorated through the date of termination and any
remaining balance will be charged or refunded to the client, as appropriate, in a timely manner. In addition to the fees paid
to Oak Wealth Advisors, clients will have other expenses related to their investments, including commissions and in some
cases custodial fees paid to their custodian. Oak Wealth Advisors never receives any of the commissions charged by the
custodians. All mutual funds and exchange traded funds (ETFs) have expenses that are charged and deducted by the fund
companies and netted against the return received by the client. Oak Wealth typically invests in mutual funds that have fees
that are far lower than the average fees for the industry. In addition, Oak Wealth does not invest in mutual funds that have
sales loads or 12(b)(1) fees which add significantly to the cost of holding the funds. When commissions are charged by
the custodian for the purchase or sale of securities, the amount of the fee is paid entirely to the custodian based on the

        Oak Wealth Advisors LLC                                                                           IARD/CRD No: 148832
        Form ADV Part 2A                                                                                 SEC File No.: 801- 69746
        Brochure                                                                                                  March 31, 2026

agreement the client has their custodian – Oak Wealth does not receive any compensation related to the purchase or sale of
securities.

If a client employs a separate account manager to invest a portion of the assets in the portfolio, the client will typically be
charged a fee based on the size of the account with the separate account manager. These separate account manager fees
are in addition to the fees charged by Oak Wealth. Often, the separate account managers have negotiated volume pricing
discounts at custodians which provide for lower brokerage expenses. Oak Wealth passes the brokerage savings on to
clients. Oak Wealth receives no compensation from the separate account managers and will assist in negotiating the fee
with the separate account managers on behalf of the client.

Most of Oak Wealth’s clients hold their investments at Charles Schwab. As the custodian, Charles Schwab does not charge
...

Types of Clients

                                                                                                        Form ADV Part 2A, Item 7

Oak Wealth provides investment management to individuals, trusts, family partnerships, and estates. Our focus is on
individual clients and their families.

Oak Wealth charges a minimum fee of $5,000 per year per client for investment management services. Based on our fee
schedule, the minimum fee equates to having approximately $550,000 of assets under management with Oak Wealth. Oak
Wealth may combine accounts of multiple family members in an effort to provide more cost-effective pricing to the family
and allow individual family members who may not individually have sufficient assets to meet Oak Wealth minimums to
receive our services.

Oak Wealth, in its sole discretion, may accept clients with smaller portfolios or waive its minimum annual fee, based upon
certain criteria including anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets
to be managed, related accounts, account composition, pre-existing client, account retention, and pro bono activities.

       Oak Wealth Advisors LLC                                                                           IARD/CRD No: 148832
       Form ADV Part 2A                                                                                 SEC File No.: 801- 69746
       Brochure                                                                                                  March 31, 2026

                       Methods of Analysis, Investment Strategies and Risk of Loss

                                                                                                         Form ADV Part 2A, Item 8

Oak Wealth believes that a well-diversified portfolio that includes multiple asset classes, has low expenses, is managed to
improve tax-efficiency, and in which trading is done only to rebalance portfolios to maintain risk levels or in response to
assets being added or withdrawn from the portfolio is most appropriate. No-load mutual funds and exchange trading funds
are the primary investments purchased for client portfolios. Fundamental research is done to find funds that have appropriate
returns and risk levels for the asset classes in which they are invested. In addition to evaluating the risk and return
characteristics of an investment, the expense ratios, trading frequency, and tax efficiency of the funds are also evaluated.
Oak Wealth takes a long-term view of the investment markets and makes investments for clients with the intention of holding
each investment for many years.

Oak Wealth does not provide advice or research on individual stocks and bonds. Oak Wealth believes that clients are best
served by being broadly diversified in a cost-effective manner and believes that no-load mutual funds and ETFs can
provide the desired results more cost effectively than actively managing portfolios of individual stocks and/or bonds.

Oak Wealth recommends passive investment management which seeks to minimize trading and transaction costs. Oak
Wealth prefers mutual funds and ETFs for client accounts that also invest passively to further minimize the trading and
transaction costs paid by clients. While the frequency of trading is minimized, Client portfolios are reviewed regularly to
ensure that client asset allocations are within tolerable ranges of the target asset allocations at all times. The maintenance
of the asset allocations helps to maintain risk levels in the portfolio at levels desired by clients.

Clients may request that certain individual securities be held in the portfolio that would not ordinarily be recommended by
Oak Wealth Advisors. When these circumstances arise, Oak Wealth will build portfolios inclusive of the client-specific
holdings and will try to keep risk levels at the appropriate levels despite the increased risks that may come from holding
the client-specific securities.

Oak Wealth primarily recommends low cost, tax efficient, no-load mutual funds and ETFs for client portfolios. These
investments provide broad diversification which helps to decrease the risks that come from exposure from individual
companies. While no investment is free from risk, we believe that investing in passively managed, low cost, tax efficient,
no-load mutual funds and ETFs provides clients with the best possible access to multiple asset classes for their portfolio.

All investing involves the risk of loss and even broad diversification cannot prevent losses from occurring in a portfolio.
While Oak Wealth will work with clients to set appropriate risk levels in their portfolios, clients must recognize and accept
that at times losses in the portfolio may be unavoidable.

       Oak Wealth Advisors LLC                                                                         IARD/CRD No: 148832
       Form ADV Part 2A                                                                               SEC File No.: 801- 69746
       Brochure                                                                                                March 31, 2026