Peak Wealth Management LLC

5. FEES AND COMPENSATION
      A. FINANCIAL PLANNING AND FINANCIAL COACHING
Our ongoing financial planning services are included in the client’s advisory fee. For our
financial coaching, we charge a fixed fee that ranges $3,500 and $10,000. The fixed fee range
varies and depends upon the nature and complexity of each client’s individual circumstances.
Each client’s Financial Coaching Agreement shows what the client will be charged to complete
the Scope of Services as defined in the Agreement. The fixed fee rate is negotiable.
All fees for planning services are agreed upon in advance in writing and due at that time. We
reserve the right to refund or waive our financial coaching fees for clients who use our portfolio
management or recommendation of third-party adviser’s services.
Termination of Financial Planning Services
You may terminate the financial planning agreement by providing written notice to our firm.
You will incur a pro rata charge for services rendered prior to the termination of the agreement.
In the event there are any prepaid, unearned fees, we will promptly refund a pro rata share to
you.
      B. RECOMMENDATION AND MONITORING                 OF   INSTITUTIONAL     STRATEGISTS        AND
         PARTICIPANT ACCOUNT MANAGEMENT
Fees for accounts are calculated and billed quarterly in advance using the annualized rates below.
                             Custodian Reported          Management
                               Value of Account             Fee
                               Up to $3,000,000            1.00%
                             $3,000,001 and Above          0.75%
The pro-rated first quarter’s management fee will be calculated on the Account’s initial value as
reported by the Account’s custodian. Thereafter, the management fee will be calculated on the
Account’s previous quarter-end value as reported by the Account’s custodian. Certain clients

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may be billed based on previous retired fee schedules. The fee for Recommendation and
Monitoring of Institutional Strategies will be directly deducted from the client’s account (see
Item 15 for additional details). Clients in the Participant Account Management program will
have their fee deducted from another account that we manage. However, clients can request to
pay by check or third-party payment vendor. These clients will receive a fee invoice that details
how the fee was calculated, the amount on which the calculation was based, the period the fee
covered and the fee. The invoice will be due within 30 days of receipt.
The above management fee is separate and distinct from Envestnet’s fee, which can be up to an
annual fee of 0.42% of the assets under management. The exact Envestnet fee will be disclosed
to the client in the Envestnet client Agreement. Additionally, the management fee is separate
from any brokerage commissions, transaction fees, and other related costs and expenses. Clients
pay an asset-based annual custodian fee of 0.22% per year based on the client’s assets under
management. The asset-based annual fee covers all ticket charges and brokerage transaction fees.
Mutual funds and exchange traded funds also charge internal management fees, as disclosed in a
fund’s prospectus, which are separate and distinct from the firm’s fee. For more information
about our brokerage practice please see Item 12.A.
Termination of Portfolio Management Services
A client may terminate the Investment Management Agreement for any reason at any time and,
within the first five (5) business days after signing the contract, without any cost or penalty.
Thereafter, the contract may be terminated at any time by giving seven (7) days written notice.
To cancel the Agreement, the client must notify firm in writing at to Peak Wealth Management
LLC, 41011 Ann Arbor Road, Plymouth, MI 48170 and return any materials received to that
date. Because we charge in advance, any client that terminates their contract within a month will
receive a prorated refund of fees that is based on the amount of time elapsed during the month.
For example, if a client cancels on 45 days into a 90-day quarter, the client will receive a refund
of 50% of the fees. (45 days divided by 90 days equal 50 percent.) Please note the prorated
refund may be adjusted for additional deposits and withdrawals to the advisory account within
the termination quarter.
      C. OTHER SECURITIES COMPENSATION
Some of our advisers are registered representatives of Mutual Securities, Inc., member
FINRA/SIPC. Through Mutual Securities, Inc., they may sell securities to Peak Wealth
Managements, LLC’s clients, for a commission. This causes a conflict of interest because the
commissions from Mutual Securities, Inc. are separate from the fees outlined above. Our
advisers attempt to mitigate this conflict of interest to the best of their ability by placing the
client’s interest ahead of their own through their fiduciary duty. Additionally, it is our policy that
recommended securities purchases do not have to be purchased through our advisers or any
affiliate.
Our advisers can also sell mutual funds through Mutual Securities to clients. Some mutual funds
have 12b-1 fees which are operation expenses charged annually to the mutual fund. As a
registered representative Our advisers receive a portion of the 12b-1 fees. This creates a financial
incentive to recommend mutual funds with 12b-1 fees. Our advisers attempt to mitigate this

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conflict of interest to the best of their ability by placing the client’s interest ahead of their own
through their fiduciary duty. We require our advisers to disclose to the client whether a
recommended mutual fund has a 12-b1 fee. It is our policy that recommended mutual fund
...

7. TYPES OF CLIENTS
We offer our services to individuals. We require a minimum account size of $500,000, which can
be waived at our discretion.