Rinaldi Wealth Management Inc

Item 5: Fees and Compensation
Asset Management Services

RWM offers discretionary direct asset management services to advisory Clients for an annual fee of
no more than 1.5%.

The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of assets,
anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be
managed, related accounts, account composition, negotiations with Clients, etc.). Fees are billed
quarterly in advance based on the amount of assets managed as of the close of business on the last
business day of the previous quarter. Lower fees for comparable services may be available from other
sources.

RWM utilizes the services of a Third-Party Asset Manager/Sub-Advisor to manage Clients’ investment
portfolios. RWM will enter into Sub-Advisor agreements with other registered investment advisor firms.
When using Sub-Advisors, the Client will pay additional fees to the Sub-Advisor as described in the Client
Agreement that will be executed. The Sub-Advisor’s fees are exclusive of the total fee disclosed by
RWM. Sub-Advisor directly deducts their portion of the fee separately from RWM.

Clients may terminate their account, including accounts held with sub-advisers, within five (5) business
days of signing the Investment Advisory Agreement with no obligation and without penalty. After five
(5) business days, the Client may cancel by providing written notice to RWM and RWM may terminate
advisory services with thirty (30) days written notice to the Client.

ERISA Plan Services

The annual fees are based on the market value of the Included Assets and will not exceed 1%. The
annual fee is negotiable and may be charged as a percentage of the Included Assets. Fees will be
charged quarterly in advance based on the assets as calculated by the custodian or record keeper of
the Included Assets (without adjustments for anticipated withdrawals by Plan participants or other
anticipated or scheduled transfers or distribution of assets). If the services to be provided start any
time other than the first day of the quarter the fee will be prorated based on the number of days
remaining in the quarter. If this Agreement is terminated prior to the end of the billing cycle, RWM
shall be entitled to a prorated fee based on the number of days during the fee period services were
provided or Client will be due a prorated refund of fees for days services were not provided in the
billing cycle.

The fee schedule, which includes compensation of RWM for the services, is described in detail in
Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees; however, the Plan
Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees deducted from Plan
Assets. RWM does not reasonably expect to receive any additional compensation, directly or indirectly,
for its services under this Agreement. If additional compensation is received, RWM will disclose this
compensation, the services rendered, and the payer of compensation. RWM will offset the
compensation against the fees agreed upon under the Agreement.

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Financial Planning Services

RWM charges a fixed fee based on complexity and unique Client needs for financial planning. Prior to
the planning process the Client will be provided an estimated plan fee.
    • Fixed Fee: Financial Planning Services are offered based on a flat fee between $450-$5000.

Services are completed and delivered inside of 30 days contingent upon timely delivery of all required
documentation. Client may cancel within five (5) business days of signing Agreement with no obligation
and without penalty.

If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any
unpaid earned fees will be due to RWM. RWM reserves the right to waive the fee should the Client
implement the plan through RWM.

Fee Payment

Fees for Asset Management Services are deducted from a designated Client account to facilitate billing
or they may pay RWM directly. The Client must consent in advance to direct debiting of their investment
account. Asset Management Services fees are billed quarterly in advance.

Fees for ERISA Services will either be deducted from Plan assets or paid directly to RWM. The Client
must consent in advance to direct debiting of their investment account. ERISA Services fees are billed
quarterly in advance.

Fees for financial plans will be billed to the Client and paid directly to RWM via:
      • Check – to be remitted by Client to RWM.
      • Electronic Payment - ACH, Debit Card, or Credit Card paid via a third-party payment processor
           in which the client will securely input payment information and pay the advisory fee through a
           secure portal. RWM will not have continuous access to the Client’s banking information.
Financial Planning Services do not require any prepayment of fees of more than $1,200 per Client and
six months or more in advance.

If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any
unpaid earned fees will be due to RWM.

Additional Client Fees

Custodians may charge brokerage commissions, transaction fees, and other related costs on the
purchases or sales of mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds,
money market funds and exchange-traded funds also charge internal management fees, which are
disclosed in the fund’s prospectus. RWM does not receive any compensation from these fees. All of
these fees are in addition to the management fee you pay to RWM. For more details on the brokerage
practices, see Item 12 of this brochure.

RWM does not receive any external compensation for the sale of securities to Clients.
...

Item 7: Types of Clients
RWM generally provides investment advice to individuals and high net worth individuals. Client
relationships vary in scope and length of service.

RWM does not require a minimum to open an account. Sub-advisers utilized by RWM may have a
minimum account size.

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