Peck Wealth Management LLC

Item 5: Fees and Compensation
A. Fee Schedule

Investment Supervisory Services Fees

PWM charges an annual investment management fee of up to 1.00% of the total assets under management,
including cash balances, for each account. Peck Wealth Management, LLC retains the right to negotiate client
account fees based on the complexity of the investment management and advisory services provided. The
specific investment management fee charged will be set forth in the client’s investment management agreement.
Accounts of the relatives of the Adviser may have deeply discounted fees or no fee. The minimum opening
account size is $500,000.

Clients may terminate their contracts with thirty days’ written notice. Refunds are given on a prorated basis,
based on the number of days remaining in a quarter at the point of termination. Clients may terminate their
contracts without penalty, for full refund, within 5 business days of signing the advisory contract. Advisory fees
are withdrawn directly from the client’s accounts with client written authorization.

B. Payment of Investment Supervisory Fees

Advisory fees are billable and payable quarterly in advance based on the value of the client’s account at the end
of the previous quarter. Each client’s value is multiplied by their percentage based fee amount and the result is
divided by four to arrive at the quarterly fee. PWM will instruct the qualified custodian holding the client’s
assets to deduct the fees directly from the client’s account and only when the client has provided written
authorization permitting the fees to be paid directly from the account. Clients will receive a quarterly fee
statement from PWM. The qualified custodian will deliver monthly account statements to the client and PWM
has access to the electronic version via the custodian’s website. These account statements will show all
disbursements from the account. Clients should review all statements for accuracy.

C. Clients Are Responsible for Third Party Fees

Clients are responsible for the payment of all third- party fees (i.e. custodian fees, mutual fund fees, transaction
fees, etc.). Those fees are separate and distinct from the fees and expenses charged by PWM. Please see Item
12 of this brochure regarding broker/custodian.

D. Payment of Fees

PWM collects fees in advance. Fees that are collected in advance will be refunded based on the prorated amount
of work completed at the point of termination and the total days during the billing period. PWM will issue the
client a check for the amount due within fourteen days of account termination.

E. Outside Compensation for the Sale of Securities to Clients

Neither PWM nor its supervised persons accept any compensation for the sale of securities or other investment
products, including asset-based sales charges or services fees from the sale of mutual funds.

F. Prior fee Schedule

Prior to December 1, 2024, PWM calculated its investment management fee using a tiered fee schedule. Existing
clients will remain under this fee schedule.

G. IRA Rollover Considerations

As part of our investment advisory services to you, we may recommend that you withdraw the assets from your
employer's retirement plan and roll the assets over to an individual retirement account ("IRA") that we will
manage on your behalf. If you elect to roll the assets to an IRA that is subject to our management, we will
charge you an asset based fee as set forth in the agreement you executed with our firm. This practice presents
a conflict of interest because persons providing investment advice on our behalf have an incentive to
recommend a rollover to you for the purpose of generating fee based compensation rather than solely based
on your needs. You are under no obligation, contractually or otherwise, to complete the rollover. Moreover, if
you do complete the rollover, you are under no obligation to have the assets in an IRA managed by our firm.

Many employers permit former employees to keep their retirement assets in their company plan. Also, current
employees can sometimes move assets out of their company plan before they retire or change jobs. In
determining whether to complete the rollover to an IRA, and to the extent the following options are available,
you should consider the costs and benefits of each.

An employee will typically have four options:

    1.   Leaving the funds in your employer's (former employer's) plan.
    2.   Moving the funds to a new employer's retirement plan.
    3.   Cashing out and taking a taxable distribution from the plan.
    4.   Rolling the funds into an IRA rollover account.

Each of these options has advantages and disadvantages and before making a change we encourage you to
speak with your CPA and/or tax attorney.

If you are considering rolling over your retirement funds to an IRA for us to manage here are a few points to
consider before you do so:

    1. Determine whether the investment options in your employer's retirement plan address your needs or
       whether you might want to consider other types of investments.

          a) Employer retirement plans generally have a more limited investment menu than IRAs.

          b) Employer retirement plans may have unique investment options not available to the public such
             as employer securities, or previously closed funds.

    2. Your current plan may have lower fees than our fees.

          a) If you are interested in investing only in mutual funds, you should understand the cost structure
             of the share classes available in your employer's retirement plan and how the costs of those share
             classes compare with those available in an IRA.

          b) You should understand the various products and services you might take advantage of at an IRA
             provider and the potential costs of those products and services.

    3. Our strategy may have higher risk than the option(s) provided to you in your plan.
...

Item 7: Types of Clients
PWM generally provides management supervisory services to the following types of clients:

•   Individuals
•   High-Net-Worth Individuals
•   Charitable organizations, Foundations

Minimum Account Size

There is an account minimum, $500,000 which may be waived by the investment advisor,
based on the needs of the client and related accounts.