R Seeger Wealth Management Ltd

Fees & Compensation

      (A) Fee Schedules
                                    Asset Management Fees
                    Account Value                         Management fee
                    $100,000 to $150,000                   1.25% per year
                    $150,001 to $1,750,000                1.00% per year
                    $1,750,001 to $4,000,000               .75% per year
                    $4,000,001 +                           .60% per year

Fees are negotiable, and clients can combine related accounts for fee purpose.

For clients who do not have assets under management, financial planning fees are charged at the
rate of $375/hour with a minimum of one hour.

(B)     R. Seeger Wealth Management charges an annual management fee, billed quarterly, based
on percentage of assets under management on the last day of the quarter, 3-31, 6-30, 9-30, 12-31.
Fees are paid quarterly in arrears and are based on value at the end of each quarter. Fees will be
debited directly from the custodian holding clients’ assets.
Financial planning fees are billed at the time services are provided.
(C)     Clients are not responsible for custodial expenses. The client will in fact incur expenses
that each respective fund/ETF company charges.

(D)     Our clients do not pay fees in advance. The advisory service agreement can be terminated
by either party at any time. If the client chooses to terminate the relationship, it needs to be done
in writing, once received the service will be cancelled. The client will be responsible for the
management fees leading up to the day of cancelation. If we decide to terminate the relationship,
we will give the clients’ 30 days written notice. There are no additional charges or penalties if
client decides to terminate the relationship.

(E)     At R. Seeger Wealth Management, we do not accept compensation/commission for the sale
of securities or other investment products, including asset-based sales charges or service fees from
the sale of mutual funds and or ETF’s.

                   Performance-Based Fees & Side by Side Management

R. Seeger Wealth Management does not participate in performance-based fees on any level.

                                         Type of Clients

Our client based consists of individuals, business, trusts, and Individual Retirement Arrangements.
The minimal initial investment is $100,000.00 of investable assets, exclusive of family house held
accounts. Exceptions can be made.

               Methods of Analysis, Investment Strategies, and Risk of Loss

(A)   R. Seeger Wealth Management makes use of Morningstar’s Adviser programs and its
      research materials. The Morningstar portfolio application allows us to view investment
      expenses, asset allocation, fund manager tenure, historical fund performance, and sector
      overweight/underweight. We also make use of other websites including but not exclusive
      to Charles Schwab. Although we monitor the accounts daily that does not mean we will
      make changes daily , this is not our philosophy. Clients are made aware of the possibility
      of loss, and all investments have the risk of loss of principle and should be prepared to bear
      such a loss.

(B)   Our investment strategies typically contain anywhere from 20% equity exposure to 90%
      equity exposure, every client being different. Foreign investments consist of a broad
      international exposure; we do not take on risk of specific countries. We do not trade
      frequently for many reasons. The main reason is it’s not our philosophy of investing.
      Frequent trading may have tax implications, and most importantly deterioration in potential
      performance. We will invest most of our equity positions in large capitalization type funds
      followed by a smaller position in Middle capitalization and smaller capitalization funds.
      Our bond investing strategies will consist of several bond funds, bond Exchange Traded
      Funds, and individual bonds with various durations. All investments, both equities and
      fixed income share potential risks, to list a few: interest rate risk, political risk, global risk,
      default risk, reinvestment risk, liquidity risk, inflation- risk, legislative risk, credit risk,
      and market risk.

(C)   The primary investments used by R. Seeger Wealth Management are relatively mainstream
      types of bond, equities/individual stocks, and equity investments with low costs. We do
      not use options or futures trading or other types of derivative/exotic investment strategies.