Paul & Co Wealth Management Inc

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory
Contract, the Advisory Contract may be terminated by the Client within five (5) business days of signing the
Advisory Contract without penalty.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our
fees, however, you should review your executed Advisory Contract for more detailed information regarding
the exact fees you will be paying. No increase to the agreed-upon advisory fees outlined in the Advisory
Contract shall occur without prior Client consent.

Investment Management Services

For investment management services, SLO Money Managers charges an annual fee of up to 2.00% of assets
under management. The annual advisory fee is paid quarterly in advance based on the value of Client’s
account(s) as of the first day of the billing period. Fee payment arrangements can be negotiated on a
case-by-case basis. These arrangements will be listed in the advisory agreement signed by the firm and the
client.

In determining the advisory fee, we may allow accounts of members of the same household to be
aggregated. SLO Money Managers relies on the valuation as provided by Client’s custodian in determining
assets under management. Our advisory fee is prorated for any partial billing periods occurring during the
engagement, including the initial and terminating billing periods. Clients may make additions or withdrawals
from their account at any time; however, SLO Money Managers reserves the right to adjust our advisory fees
on a pro-rata basis on account of any such cash-flow transactions.

Ongoing Financial Planning

SLO Money Managers collects an initial fee, no greater than $10,000. The initial fee covers the initial
construction of the comprehensive financial plan. This work will commence immediately after the fee is
paid, and the length of time required to complete and deliver the plan is dependent on several factors
including the needs of the Client, the Client’s ability to provide any necessary information and
documentation, as well as the complexity of their financial situation. Advisor may reduce or waive the initial
fee at the Advisor’s discretion. At no time do we require prepayment of $1,200 or more six months or more
in advance of rendering the services.

We charge a recurring fixed fee of up to $10,000 per year for Ongoing Financial Planning. Fees are paid
semi-annually in arrears. The fee range is dependent upon variables including the specific needs of the
Client, complexity, estimated time, research, and resources required to provide services to you, among
other factors we deem relevant. Fees are negotiable and the final agreed upon fee will be outlined in your
Advisory Contract.

Project-Based Financial Planning

SLO Money Managers charges either a fixed or hourly fee for Project-Based Financial Planning. Fixed fee
rates range between $250 to $10,000 and are payable in advance. Our hourly rate is $250 and we may
request a portion of the fee be collected in advance with the remainder due upon completion of the
services.

The fee range is dependent upon variables including the specific needs of the Client, complexity, estimated
time, research, and resources required to provide services to you, among other factors we deem relevant.

Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract. SLO Money
Managers will not bill an amount above $1,200 more than 6 months or more in advance of rendering the
services.

Retirement Plan Management

For retirement plan management, SLO Money Managers charges an annual fee of up to 2.00% of assets
under management. The annual advisory fee is paid quarterly in arrears based on the value of Client’s
account(s) as of the last day of the billing period. Fee payment arrangements can be negotiated on a
case-by-case basis. These arrangements will be listed in the advisory agreement signed by the firm and the
client.

This does not include fees to other parties, such as record keepers, custodians, or third-party
administrators. SLO Money Managers relies on the valuation as provided by Client’s custodian in
determining assets under management. Our advisory fee is prorated for any partial billing periods occurring
during the engagement, including the initial and terminating billing periods.

Fee Payment

For Investment Management services, we deduct our advisory fee from one or more account(s) held at an
unaffiliated third-party custodian, as directed by the Client. Please refer to Item 15 of this Brochure
regarding our policy on direct fee deduction.

For Financial Planning services, fees are paid by check.

For Retirement Plan services, fees are either paid directly by the plan sponsor or deducted directly from the
plan assets by the custodian. Please refer to Item 15 of this Brochure regarding our policy on direct fee
deduction.

Other Types of Fees and Expenses

Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
which may be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and
other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer, and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual fund and exchange-traded funds also charge internal management fees, which are
disclosed in a fund's prospectus. Such charges, fees, and commissions are exclusive of and in addition to
our fee, and we shall not receive any portion of these commissions, fees, and costs.

Item 12 further describes the factors that we consider in selecting or recommending custodians for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
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Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth
individuals, pension and profit sharing plans, charitable organizations, and corporations or other
businesses.

We do not have a minimum account size requirement to open or maintain an account.