PTM Wealth Management LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
PTM offers wealth management services, which is a combination of comprehensive financial planning and
discretionary investment management for a single wealth management fee as described below. For certain
Clients with smaller account sizes, PTM offers investment management and financial planning as standalone
services.

Wealth Management Services
Wealth management fees are paid monthly, at the end of each month, pursuant to the terms of the wealth
management agreement. Wealth management fees are based on the market value of assets under management at
the end each month in accordance with the following schedule:

                            Assets Under Management ($)                Annual Rate (%)
                                     Up to $1,000,000                        0.90%
                                 $1,000,001 to $2,000,000                    0.80%
                                 $2,000,001 to $3,000,000                    0.70%
                                 $3,000,001 to $4,000,000                    0.50%
                                $4,000,001 to $10,000,000                    0.40%
                                  $10,000,001 and Over                       0.30%

The wealth management fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by PTM will be independently valued by the Custodian. PTM will conduct periodic reviews of the Custodian’s
valuations to ensure accurate billing.

Investment Management Services
Investment management fees are paid monthly, at the end of each month, pursuant to the terms of the investment
management agreement. Investment management fees are based on the market value of assets under
management at the end of each month. Investment management fees are 0.40% annually.

The investment management fee in the first month of service is prorated from the inception date of the account[s] to
the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take
into consideration the aggregate assets under management with the Advisor. All securities held in accounts
managed by PTM will be independently valued by the Custodian. PTM will not have the authority or responsibility to
value portfolio securities.

                                             PTM Wealth Management, LLC
                                   1501 Lower State Road, Bldg. D, North Wales, PA 19454
                                        Phone: (267) 317-1515 * Fax: (267) 317-1514
                                                    www.ptmwealth.com

Financial Planning Services
PTM typically offers financial planning services as part of its overall wealth management fee. For Clients with a
smaller account size, PTM offers project-based financial planning services on an hourly or fixed fee basis. Hourly
engagements are at a rate of $300 per hour. Fixed engagement fees range up from $1,500 up to $10,000. PTM
also offers ongoing financial planning services for a fixed annual fee of $1,200, paid monthly, in advance of each
month. Financial planning fees are negotiable and based on the nature and complexity of the services to be
provided and the overall relationship with the Advisor. For hourly or fixed fee engagements, an estimate for total
hours and/or total costs will be provided to the Client prior to engaging for these services.

The Advisor’s fee is exclusive of, and in addition to applicable, brokerage fees, transaction fees, and other related
costs and expenses, which may be incurred by the Client. However, the Advisor shall not receive any portion of
these commissions, fees, and costs.

Financial Institution Consulting Services
PTM receives a consulting fee based on the assets under MSI’s management from Brokerage Customers who
have provided written consent to MSI to receive the consulting service from PTM. The consulting fee is calculated
from the assets under MSI’s management as of the end of a calendar quarter period multiplied by the annualized
rate of 57 basis points. The initial fee is paid only after the completion of one full calendar quarter period following
the date of the executed agreement with MSI.

B. Fee Billing
Wealth Management Services and Investment Management Services
Wealth management fees and investment management fees (collectively “investment advisory fees”) are calculated
by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an
invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the
respective month end date. The amount due is calculated by applying the monthly rate (annual rate divided by 12)
to the total assets under management with PTM at the end of each month. Clients will be provided with a
statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is the
responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as
the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to
be deducted by PTM to be paid directly from their account[s] held by the Custodian as part of the investment
advisory agreement and separate account forms provided by the Custodian.

Financial Planning Services
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Item 7 – Types of Clients

PTM offers investment advisory services to individuals and high net worth individuals. The amount of each type
of Client is available on PTM’s Form ADV Part 1A. These amounts may change over time and are updated at
least annually by the Advisor. PTM generally does not impose a minimum relationship size.