Occidental Asset Management LLC

Item 5          Fees and Compensation
A.              Advisory Fees and Compensation

The Advisor will charge each client an investment management fee (the “Management Fee”) based
on the value of the client’s assets under management, generally in accordance with the following
schedule:

                                                                Annual Management
                              Account Value
                                                                     Fee Rate

                  Up to $200,000                                      1.50%

                  $200,001 to $700,000                                1.25%

                  $700,001 to $1,200,000                              1.15%

                  $1,200,001 to $2,200,000                            1.10%

                  $2,200,001 to $3,200,000                            1.00%

                  $3,200,000 to $25,000,000                           0.75%

The above fee schedule will apply to both discretionary and non-discretionary advisory accounts.

Management Fees will be charged each quarter in advance based on the total market value of the assets
in the client account (including net unrealized appreciation or depreciation of investments and cash,
cash equivalents and accrued interest) as of the last day of the previous quarter. If a new client account
is established during a quarter or a client makes an addition to its account during a quarter, the
Management Fee will be charged as of the effective date of the investment management agreement or
the date of the additional contribution based on the value of the assets as of the applicable date and
will be prorated for the number of days remaining in the quarter. Management Fees will be negotiable
in the sole and absolute discretion of the Advisor.

For client assets managed by Sub-advisors, the Advisor receives no compensation directly from clients
with respect to those assets. Instead, the Advisor receives a portion of the fees charged by the Sub-
advisor and as disclosed to the client in a separate written agreement with the designated Sub-advisor.

The Advisor also reserves the right to reduce or waive our fees for employee or family accounts and
certain client accounts.

Occidental Asset Management, LLC also doing business as OCCAM
CRD: 168650
April 2026

 B.              Payment of Fees

 With client authorization, the Advisor will automatically withdraw the Management Fee from the
 client’s account held by an independent custodian. Typically, the custodian withdraws advisory
 fees from the client’s account during the first month of each quarter based on the Advisors’
 instruction. All clients will receive brokerage statements from the custodian no less frequently
 than quarterly. The custodian statement will show the deduction of the Management Fee.

 C.              Other Fees and Expenses

 As part of our investment advisory services to you, we may invest, or recommend that you invest,
 in mutual funds and exchange traded funds. The fees that you pay to our firm for investment
 advisory services are separate and distinct from the fees and expenses charged by mutual funds or
 exchange traded funds (described in each fund’s prospectus) to their shareholders. These fees will
 generally include a management fee and other fund expenses. You will also incur transaction charges
 and/or brokerage fees when purchasing or selling securities. These charges and fees are typically
 imposed by the broker-dealer or custodian through whom your account transactions are executed.
 We do not share in any portion of the brokerage fees/transaction charges imposed by the broker-
 dealer or custodian. To fully understand the total cost you will incur, you should review all the fees
 charged by mutual funds, exchange traded funds, our firm, and others. For information on our
 brokerage practices, please refer to the Brokerage Practices section of this Brochure.

 All fees paid to the Advisor for investment advisory services are separate and distinct from the fees
 and expenses charged by mutual funds and ETF to their shareholders. These fees and expenses are
 described in each mutual fund’s and ETF’s prospectus and may include a management fee,
 distribution fee (i.e., Rule 12b-1 fee), sales charge and other fund expenses. A client could invest in
 a mutual fund or an ETF directly, without the services of the Advisor. In that case, the client would
 not receive the services provided by the Advisor which are intended, among other things, to assist
 the client in determining which mutual fund(s) or ETF(s) are most appropriate to each client’s
 financial condition and objectives. Accordingly, each client should review both the fees charged by
 the mutual funds and the ETFs and the fees charged by the Advisor to fully understand the total
 amount of fees paid by the client and to thereby evaluate the advisory services being provided.

 If the Advisor invests its clients’ assets in mutual funds, the Advisor would not receive any 12b-1
 fees from that mutual fund. Clients should also understand that while the Advisor does not receive
 12b-1 fees, a 12b-1 fee may still be paid to a mutual fund distributor. These 12b-1 fees could
 increase overall expenses to the client.

 Please refer to Item 12—Brokerage Practices in this brochure for a discussion of Occidental’s brokerage
 practices, including factors that we consider when selecting brokers and dealers for client
 transactions.

 Clients with assets managed by Sub-advisors will incur fees payable directly to the Sub-advisor in
 addition to fees payable to the Advisor. Fees charged by Sub-advisors will be established in a client’s
 written agreement with the Advisor.

Occidental Asset Management, LLC also doing business as OCCAM
CRD: 168650
April 2026

 D.              Prepayment of Fees

 Clients will be required to pay Management Fees to the Advisor quarterly in advance. Upon the
...

Item 7          Types of Clients
 The Advisor’s clients will consist of individuals and institutions with separately managed accounts.
 The Advisor will generally require a minimum of $500,000 of assets under management for a
 separately managed account but may waive this minimum in its sole and absolute discretion. If the
 account size falls below the minimum requirement due to market fluctuations only, a client will not
 be required to invest additional funds with the Advisor to meet the minimum account size.

 Please refer to Item 12—Brokerage Practices in this brochure for a discussion of eligibility for enrollment
 in the Institutional Intelligent Portfolios® platform offered by Schwab Performance Technologies.

Occidental Asset Management, LLC also doing business as OCCAM
CRD: 168650
April 2026