Rock Creek Wealth Management LLC

Item 5 – Fees and Compensation
A       Advisory Fees

A description of the fees we charge for advisory services is set forth in this Item 5. While we generally strive to ensure
the equal treatment of all clients with respect to fees, we may elect to negotiate fees with individual clients based
on factors such as the complexity of the client’s account, the client’s unique financial needs and income level,
relationships with other clients or employees of our firm, our expectation of future assets under management, and
any other factors we deem relevant. Therefore, certain clients may pay fees which differ from those described in this
firm brochure. While we believe our advisory fees to be reasonable in light of the value of the services we provide,
clients are advised that lower or higher fees for comparable services may be available from other providers.

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ROCK CREEK WEALTH MANAGEMENT, LLC                                                        FORM ADV PART 2A – FIRM BROCHURE

Investment Supervisory Services Fees

Clients who engage us for Investment Supervisory Services are charged an annual asset-based fee calculated as
percentage of the market value (or fair market value, in the absence of market value) of their household1 assets
under RCWM’s management that ranges between 0.25% and 1.50% per year.

The specific annual asset-based fee to be applied to your accounts will be described in a written Investment
Supervisory Services agreement entered with you at the inception of our relationship. Fees are paid quarterly in
advance (i.e., ⅟4 of the annual fee is due at the beginning of each quarterly billing period) and are pro-rated for
relationships that begin at any time other than the start of a quarterly billing cycle based on the number of days
during the period when services are provided. The quarterly fee is calculated in accordance with the following
formula: (market value of your household accounts as of the close of business on the last business day of the
preceding quarter) x (the agreed upon annual fee rate / 4). RCWM may elect to charge advisory fees for the initial
billing period in arrears based on the end of period market value of your household accounts. Additional deposits
and withdrawals are added or subtracted, based on the prorated number of days until the quarter end, resulting in
an adjustment to the advisory fee charged.

For fee calculation purposes, the market value of your accounts shall include the value of all cash and cash
equivalent balances and shall not be adjusted for any margin debt. RCWM does not charge fees on assets held-
away from the accounts we manage directly on your behalf.

Financial Planning and Consulting Services Fees

Clients who engage us for Investment Supervisory Services pay an asset-based fee to RCWM that includes the cost
of our rendering of Financial Planning and Consulting Services. A description of the asset-based fees we charge to
Investment Supervisory Services clients is above.

Clients who engage us for stand-alone Financial Planning and Consulting Services are charged an hourly fee of $300
per hour. The hourly rate is negotiable and the final hourly rate will be described in a written Financial Planning and
Consulting Services agreement entered with you prior to the commencement of our services. All fees will be
invoiced to you either monthly or quarterly in arrears and are due upon receipt. Any remaining balance of fees is due
to RCWM upon delivery of our financial planning recommendations, plan, or report to you or the occurrence of our
final consultation and final invoicing.

B       Payment of our Advisory Fees

Investment Supervisory Services Fees

As described above, advisory fees for Investment Supervisory Services are charged quarterly in advance. These fees
will typically be withdrawn directly from your account at the qualified custodian upon your written authorization for
direct fee deduction. Your written authorization for direct deduction of fees will be contained in our written
Investment Supervisory Services agreement and/or the custodian’s account opening documentation. We will first
look to cash balances in your account or to liquidate money market shares to pay our advisory fees. In the event that
cash balances or money market shares are not available, other investments may be liquidated to pay the fees then
due. We will only liquidate other investments in line with our fiduciary duty to you and the decision about what assets
to liquidate will be based upon our agreed upon investment strategy.

  Including any accounts held individually or jointly by the client, the client’s spouse, family members, or business, including
retirement accounts.

ROCK CREEK WEALTH MANAGEMENT, LLC                                                  FORM ADV PART 2A – FIRM BROCHURE

The custodian of your account will independently send an account statement to you at least quarterly, identifying
the amount of funds and each security in your account at the end of the period and setting forth all transactions in
the account during that period, including the amount of any advisory fees paid directly to us. The custodian is not
responsible for verifying our fee calculations. Therefore, we encourage you to review the custodian’s account
statements carefully upon receipt. If you believe we have miscalculated the advisory fees applied to your accounts,
or if you have any other questions regarding your account, you should contact us immediately at the phone number
and e-mail address listed on the cover page of this firm brochure.

Only in circumstances where direct fee deduction is not permitted by the custodian, clients will be offered the ability
to be billed directly for Investment Supervisory Services. In this situation, a quarterly invoice including the details
described above will be delivered to you and the stated advisory fees shall be due and payable (by check, wire
...

Item 7 – Types of Clients
We typically provide investment advice to individuals, high net worth individuals, corporations, partnerships,
charitable organizations, and other business entities. Because each client is unique, they must be willing to be
involved in the planning and ongoing processes of our management of their assets. Such involvement does not have
to be time consuming, however we want our clients to remain informed and have a sense of security about their

ROCK CREEK WEALTH MANAGEMENT, LLC                                                 FORM ADV PART 2A – FIRM BROCHURE

investments. We do not have any minimum fees or account size requirements to commence or continue an advisory
relationship.