Redwood Grove Wealth Management LLC

Item 5 – Fees and Compensation
Fees for Financial Planning Services
The fee for financial planning services is determined by the scope and complexity of the
client's financial situation and is charged on a fixed-fee or hourly basis. A typical planning
fee ranges from $4,000 to $5,000 for a one-time plan. All fees are subject to negotiation. For
one-time plans, clients will be provided an estimate before the commencement of work,

          Form ADV Part 2A, Redwood Grove Wealth Management LLC, 415-737-5003

50% of which is due at the first meeting and the remainder of which is due upon the
completion of work. Under no circumstances will RGWM receive fees more than six months
in advance of services being provided. Lower fees for comparable services may be available
from other sources.
Clients have the unconditional right to cancel the Financial Planning Agreement within five
business days after signing it, and to receive a complete refund of any fee actually paid.
Thereafter, the client will have the right to cancel the agreement at any time prior to the
final plan presentation. If such notice of cancellation is given after five business days, fees
are refundable for any portion of advanced fees attributable to services not performed
prior to termination of the agreement.

Fees for Asset Management Services
Fees for asset management services are computed in accordance with the table below, in
advance, at the beginning of each calendar quarter. Fees are subject to a minimum annual
fee of $10,000; however, for clients who were RGWM clients prior to 2026, the minimum
annual fee is $5,000 as noted within the client’s written agreement. Fees will be based on
the fair market value of securities and cash in the Investment Account on the last trading
day of each calendar quarter. In computing the market value of any security held in the
Investment Account that is listed on a national securities exchange, such security shall be
valued at the last quoted sale price on the valuation date or the principal exchange on
which the security is traded. Any other security or asset shall be valued in a manner
determined in good faith by the Advisor to reflect its fair market value.

        Annual Advisory          Portfolio Value       Fee as Percent of Portfolio
             Fee                                                 Value

               FIRST               $2,000,000                   1.00 Percent

               NEXT                $3,000,000                    .80 Percent

               NEXT                $5,000,000                    .70 Percent

          AMOUNT OVER             $10,000,000                    .50 Percent

RGWM generally deducts fees from client accounts but may invoice clients directly in some
situations. The specific annual fee and manner in which fees are charged by RGWM is
established in a client’s written agreement with RGWM.
RGWM’s fees are exclusive of brokerage commissions, transaction fees, and other related
costs and expenses, which shall be incurred by the client. Clients may incur certain charges
imposed by custodians, brokers, third-party investment and other third parties such as fees
charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange-traded funds also charge
internal management fees, which are disclosed in a fund’s prospectus.

          Form ADV Part 2A, Redwood Grove Wealth Management LLC, 415-737-5003

Such charges, fees, and commissions are exclusive of and in addition to RGWM’s fees, and
RGWM shall not receive any portion of these commissions, fees, and costs.
The Asset Management Agreement may be terminated by either party upon thirty (30)
days’ written notice to the other party. Fees will be prorated to date of termination.

Item 7 – Types of Clients
RGWM provides financial planning and investment advice to individuals and families.
RGWM has no minimum account size required to work with clients.