Refined Wealth Management

Item 5 - Fees and Compensation

We provide asset management and financial planning services for a fee. Our fees do not include brokerage
commissions, transaction fees, and other related costs and expenses. You may incur certain charges imposed
by custodians and other third parties. These include fees such as custodial fees, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the
fund's prospectus. These fees may include, but are not limited to, a management fee, upfront sales charges,
and other fund expenses. We do not receive any compensation from these fees. All these fees are in addition
to the management fee you pay us. You should review all fees charged to fully understand the total amount of
fees you will pay. Services similar to those offered by us may be available elsewhere for more or less than the
amounts we charge.

The Adviser has a fiduciary responsibility to do what is in your best interest and the Adviser monitors all accounts
to make certain the Adviser fulfills this obligation.

You could invest in an ETF directly, without our services. In that case, you would not receive the services
provided by us which are designed, among other things, to assist you in determining which ETFs, stocks and
bonds are most appropriate to your financial condition and objectives.

1. Ongoing Financial Planning Fees
You may want us to create a financial plan for you. We can provide analysis and recommendations for retirement
needs, estate planning needs, income tax planning, life and disability insurance needs, investment needs,
and college education planning. You can have us create a full financial plan or select any of the individual
modules.

For our ongoing financial planning services, we charge $500 to $1,500 per year, which includes a
comprehensive financial plan. Our financial planning fee is negotiable, dependent upon the nature and
complexity of the client's circumstances.

The Financial Planning Agreement will show the fee schedule you will pay. We offer a number of ways to pay
your planning fee, including annually, semi-annually, quarterly or monthly. Plans will be presented to you
within six months of the contract date, provided that all information needed to prepare the plan has been
promptly provided to us. In the event that you cancel the Financial Planning Agreement / consultation
services contracted for, you will be responsible for the actual hours spent preparing the financial plan /

                                                          7                                          Form 2A.05.2026

rendered consultation services, up to the cancellation date, at the agreed upon rate. Either party may terminate
the ongoing financial planning relationship with a five (5) day written notice. Upon termination of any account,
any prepaid fees that are in excess of the management services performed will be promptly refunded to you.
Any fees that are due, but have not been paid, will be billed to you and are due immediately.

If the plan is implemented through us, we may receive compensation from the sale of insurance products or
services recommended in the financial plan. This compensation would be in addition to the financial
planning fee you pay. The fees and expenses you pay for the purchase of these products may be more or
less than the expenses you would pay should you decide to implement our recommendations through
another investment advisory firm or broker-dealer and are typically determined by the broker-dealer or
investment company sponsoring the product. Therefore, a conflict of interest may exist between our
interests and your interests since we may recommend products that pay us compensation. We may have an
incentive to recommend particular products based upon the potential compensation rather than your needs.
This potential conflict is addressed in our Code of Ethics.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee the
results of any of our recommendations.

2. Asset Management Fee Schedule
We do not have a minimum account opening balance. The fee charged is based upon the amount of money
you invest. Multiple accounts of immediately related family members, at the same mailing address, may be
considered one consolidated account for billing purposes.

On the Charles Schwab & Co., Inc. Advisor Services platform all households are charged in arrears. Your fees
are calculated on the gross daily value of your Account under management on the last day of the month and
are debited monthly, within the first 10 days of the beginning of each month following month end.
Payments are calculated as follows:

                          Percentage                  Portfolio Size (AUM)

                1.35%                                     $1 - $500,000
                1.15%                                     $500,001 - $1,000,000
                 .95%                                     $1,000,001 - $2,000,000
                 .85%                                     $2,000,001 - $4,000,000
                 .6% or negotiated                        $4,000,001 +

The fees shown above are annual fees and may be negotiable based upon certain circumstances. The annual
fee will be divided by twelve (12) and paid monthly in arrears. There is no minimum monthly fee. No
increase in the annual fee shall be effective without prior written notification to you. All household accounts
under $250,000 will be charged a $35 annual fee to support the costs of the software that provide clients' access
to portfolio performance.

As of February 1, 2017, all new managed Net Unrealized Appreciation (NUA) accounts will be charged a
management fee. Payments for these NUA accounts are calculated as follows:
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