Omega Wealth Management LLC

Item 5. Fees and Compensation

Life/Wealth Advisory Fee: OWM’s Life/Wealth Advisory fee is determined based on the nature of the
services being provided and the complexity of each client’s circumstances. All fees are agreed upon prior
to entering into a contract with any client.

OWM’s fee is calculated and charged on a fixed fee basis. While fees generally begin at $20,000 annually,
they vary based on the scope and complexity of services and may exceed this level. The exact fee is
negotiated with each client and specified in the Life & Wealth Planning Agreement.

Clients will be billed quarterly in advance based on the total annual agreed-upon Life/Wealth Advisory
fee. OWM will pro-rate the first fee invoice for any Client who begins service after the second month in
any calendar quarter. For example, a Client who begins service in the first calendar quarter in March will
receive an invoice that has been pro-rated because they did not receive service in the first two month of
the first quarter (i.e., January and February). Subsequent quarterly invoices will be for the balance of the
fixed fee divided by the number of quarters of service remaining. Clients can pay by physical check,
digital bank draft (i.e., PaySimple®) or debit from their custodial account.

OWM will honor existing fee agreements for clients who have a prior relationship with Kirchenbauer
Financial Management and Consulting and may offer special arrangements for related family members.

Investment Management Fee: Our annual fees for Non-Discretionary and Discretionary Investment
Management services are based upon a flat percentage of assets under management. Our Investment
Management fee is generally 0.35% annually but can be negotiated higher or lower depending on the
client’s investable net worth and complexity of their financial situation, not to exceed 1.00% annually.
The exact fee is negotiated with the client and is then specified in the Investment Management
Agreement. The fee will be deducted from the client’s account quarterly in arrears at the end of each
calendar quarter based upon the value (market value or fair market value in the absence of market value,
plus any credit balance or minus any debit balance), of the client's account at the end of the previous
quarter.

SEI Management Program Fee: The client will pay additional and separate fees to SIMC for the services
provided by SIMC and its affiliates under the program. Please refer to SIMC’s Form ADV Part 2 Firm
Brochure or the applicable program wrap fee brochure for additional information on their fees and

compensation. SEI Management Fees are withdrawn directly from client accounts on a quarterly basis.
Upon written notification, the program agreement may be terminated by SIMC, OWM or the client.
Prorated fees will be charged based on market value on the date notice is received.

Consulting Service Fee: In certain circumstances, fees for specific administrative and other consulting
services will be billed on an hourly basis, ranging from $250 - $350 per hour, depending on the nature
and complexity of each client's circumstances. An estimate for total hours will be determined at the start
of the advisory relationship. All Consulting fees are due and payable to Omega Wealth Management LLC
upon completion of the work.

Canopy Planning Services Fees:

The client will not pay fees to OWM for Canopy Planning Services.

If the client establishes an investment account with Betterment, LLC, the client should refer to
Betterment’s disclosure documents for information regarding Betterment’s fees, billing practices,
minimum required investments, and termination of advisory agreements. OWM will provide these
disclosure documents to our clients at the time of making the referral to Betterment. OWM does not
charge an advisory fee or receive a portion of the advisory fee for client accounts managed at Betterment.
OWM does not receive any compensation from Betterment for OWM clients referred to Betterment.

Betterment Wrap Fee Program: In some instances, we may recommend Canopy Planning clients
establish an account as part of a wrap fee program sponsored by Betterment LLC. Clients participating
in wrap fee programs may be charged various program fees. Such fees may include the investment
advisory fees of the third-party manager, which may be charged as part of a wrap fee arrangement. In a
wrap fee arrangement, clients pay a single fee for advisory, brokerage, and custodial services. Client’s
portfolio transactions are typically executed without commission charge in a wrap fee arrangement. In
evaluating such an arrangement, the client should also consider that, depending upon the level of the
wrap fee charged by the broker-dealer or advisor, the amount of portfolio activity in the client’s account
and other factors, the wrap fee may or may not exceed the aggregate cost of such services if they were
to be provided separately. Additional information regarding Betterment’s fees and compensation is
described in Betterment’s Form ADV Part 2 Brochures.

Seminars/Workshops/Public Speaking Fee: OWM staff members may, from time to time, be engaged to
present workshops, seminars or speak publicly on a range of topics including financial life planning,

traditional financial planning and investments. If fees are charged, they will be based on the amount of
time to prepare and deliver the presentation and could range from $500 to $10,000 for a 1 hour to 1-day
workshop; plus travel costs and cost of materials. They typically receive a fee for participation in the
program or receive a portion of any fee paid by participants. The amount and timing of fee payments are
negotiated prior to performance of the event and payable to Omega Wealth Management LLC.

General Information on Fees and Services:

Negotiability of Fees and Minimum Requirements: In certain circumstances, all fees may be negotiable
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Item 7. Types of Clients

OWM offers advisory and wealth planning services to individuals, estates, corporations, and other
business entities.