Redwood Financial Network Corp

Item 5 – Fees and Compensation

Family and Individual Wealth Management:

Financial Planning Services

Ongoing Financial Planning:

Fees for this planning engagement are determined based on accrual or estimated hours
necessary to complete the services requested. Fees normally range from $1,000 to
$5,000 per year, depending scope and complexity of the plan. The fee schedule is
negotiable based upon portfolio size and other business considerations. Following the
initial consultation, a specific fee will be quoted to you based upon the expected time
and complexity of the initial planning engagement. The Planning Agreement will confirm
the fee amount and payment arrangements in writing. One half of the annual planning
fee is due upon execution of the Planning Agreement. The remaining fees will be billed
at the beginning of each quarter. Financial plans will be presented to you within three
(3) months of the agreement date, provided that all information needed to prepare the
financial plan has been promptly provided by you.

The Planning Agreement may be terminated at any time by either party upon written
notice to the other. Full refunds will only be made in cases where cancellation occurs
within five (5) business days of signing the Planning Agreement. After five (5) business
days, you will receive pro-rata refund, which takes into account work we completed on
your behalf. You will incur charges for bona fide advisory services rendered to the point
of termination and such fees will be due and payable by you. Refunds will be given on a
pro-rata basis.

Flat Fee Financial Planning:

The hourly fee for this service may be as high as $400 per hour. Total fees for this
service may range from $500 to $5,000 depending on the scope and complexity of the
plan. Following the initial consultation, a specific fee will be quoted to you. Similar
preparation time frames and termination conditions apply as the Ongoing Financial
Planning Engagement. The Planning Agreement will confirm the fee in writing. The fee
may vary based upon portfolio size and other business considerations. You will be billed
one half of the flat fee upon signing of the Planning Agreement and the balance upon
completion of the project. The balance is calculated by subtracting initial payment from
the actual hours multiplied by the agreed hourly fee.

                                                                              Revised March 2026

For example, a client may hire us to provide guidance regarding one, multiple, or all of
the following areas:

   •   Tax Planning
   •   Investment Planning
   •   Retirement Planning
   •   Estate Planning
   •   Cash Flow/Budget Planning
   •   Personal Financial Planning
   •   Business Planning
   •   Education Planning
   •   Asset Allocation
   •   Insurance Planning
   •   Retirement Planning Consulting for a Business

We follow a 4-step process to provide these services:

   Step 1: Discover
   Step 2: Recommend
   Step 3: Implement
   Step 4: Review

Sample Planning Engagement #1 – Flat Fee Financial Planning:

   Education Planning: Evaluate client’s financial situation, discuss goals and
   objectives, and recommend strategies to fund education while maximizing financial
   aid.

   Sample Fee Calculation:

       Hours to complete project = 8
       Hourly Rate = $200
       Flat Fee = $1,600

Sample Planning Engagement #2 – Ongoing Financial Planning:

   Comprehensive Financial Planning Engagement: Project for a $10 million net worth
   client who owns a business. This project will require analysis of most areas listed
   above. The financial complexity and business ownership will create a more
   complicated engagement than the average case.

                                                                               Revised March 2026

   Sample Fee Calculation:

       Hours to complete project = 25
       Hourly rate = $200
       Planning Fee = $5,000

Hourly Financial Planning:

The hourly fee for this service may be as high as $400 per hour. Total fees for this
service may range from $500 to $5,000 depending on the scope and complexity of the
plan. Similar preparation time frames and termination conditions apply as with the
Ongoing Financial Planning Engagement. The Planning Agreement will confirm the fee
in writing. The fee may vary based upon portfolio size and other business
considerations. You will be billed one half of the estimated fee upon signing of the
Planning Agreement and the balance upon completion of the project. The balance is
calculated by subtracting initial payment from the actual hours multiplied by the agreed
hourly fee.

Subscription Fees:

The total annual Subscription Fee may range from $100 to $2,000 and will be billed
quarterly in advance. Similar payment and termination conditions apply as the Ongoing
Financial Planning Engagement. The Planning Agreement will confirm the fee and
payment arrangements in writing. The fee may vary based upon portfolio size and other
business considerations.

Asset Management Services Redwood Asset Management (RAM) and Strategic
Wealth Management (SWM)

The annual fee for this service ranges from 0.50% to 2.5%. Fees are negotiable.
Therefore, clients with similar assets under management and investment objectives
may pay significantly higher or lower fees than other clients. LPL will deduct Redwood’s
fee quarterly in advance; however, for the initial fee deduction, LPL will deduct
Redwood’s fee at the beginning of the quarter following the establishment of the
Account and will include a prorated fee for the initial quarter in addition to the quarterly
Redwood fee for the upcoming quarter. Subsequent fee deductions will be made at the
beginning of each quarter based on the value of the Account assets as of the close of
business on the last business day of the preceding quarter. Additional deposits and
withdrawals will be added or subtracted from the assets, which may lead to an
...

Item 7 – Types of Clients

We offer financial and investment advisory services to individuals, pension and profit-
sharing plans, charitable organizations, and corporations or other businesses.

The following minimum account sizes apply to the advisory services offered by
Redwood. Under certain circumstances, Redwood will consider waiving the minimum
account size requirements.

       Redwood Asset Management (RAM):

       Strategic Wealth Management (SWM):

•   Redwood’s minimum account size for new client accounts is $250,000.

•   The minimum account value for the Optimum Market Portfolio account (OMP) is
    $10,000. In certain instances, LPL will permit a lower minimum account size.

•   The minimum account value for the Personal Wealth Portfolio account (PWP) is
    $250,000.

•   The Model Wealth Portfolio (MWP) requires a minimum asset value for a program
    account to be managed. The minimums vary depending on the portfolio(s) selected
    and the account’s allocation amongst portfolios. The lowest minimum for a portfolio
    is $25,000. In certain instances, a lower minimum for a portfolio is permitted.

•   The minimum account value for the Manager Access Select account (MAS), which
    varies by Portfolio Manager is typically $100,000 for equity strategies and $250,000
    for fixed income strategies. However, in certain instances, the minimum account size
    may be lower or higher.

                                                                             Revised March 2026