Ruedi Wealth Management Inc

Item 5: Fees and Compensation
Investment Advisory Fees & Financial Planning Fees
Compensation to the firm for traditional investment advisory services will be calculated
in accordance with the terms of the investment advisory services agreement. RWM's
investment advisory services basic fee schedule is calculated based upon the Client's
assets under management as follows:

      Account Value                                      Annual Fee Rate
      Assets up to $999,999                                    1.00%
      Assets between $1 million and $2,999,999                 0.75%
      Assets between $3 million and $4,999,999                 0.50%
      Assets above $5 million                                  0.25%

These fees are computed on a “blended rate” basis. For example, an account of
$2,000,000 will be charged 0.88% per year (1.00% on the first $1,000,000 and 0.75% on
the next $1,000,000).

Fees are paid on a quarterly basis in arrears. Fees are generally withdrawn from Client
accounts by the account custodian at the end of each quarter, but Clients may request
to be billed directly. For contributions and distributions made during a quarter, the fees
will be prorated based on the number of days remaining in the quarter.

We recommend reviewing your custodial statements to verify the accuracy of your fee
as the custodian is not responsible for doing so. Please contact us to inform us of any

discrepancies or ask questions related to your custodial statement.

Additional Fees and Expenses
All fees paid for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds, exchange-traded funds, broker-dealers, and
custodians retained by Clients. Fees and expenses associated with exchange-traded
funds and mutual funds are listed in their prospectus. Clients are advised to read these
materials carefully before investing. Fees charged by the custodian (e.g. trading fees,
wire transfer fees, overnight check fees, etc.) can be found on the custodian’s website or
by calling the custodian. RWM receives only investment advisory and financial planning
fees and does not receive any other fees described in the preceding section.

In the event a Client hires RWM for hourly, as-needed financial advice, RWM charges
$250/hour, for blocks of one hour at a time.

Clients that hired RWM prior to the implementation of the current fee schedule may be
billed according to fee schedules that were in place at the time of their agreement and,
therefore, may differ from the schedule listed above. RWM may, in its discretion, make
exceptions to the fee schedule and waive fees in whole or in part in certain circumstances.

Termination of Services
A Client investment advisory agreement may be canceled at any time by either party
upon written notice. Upon termination, any earned, unpaid fees will be due and payable.

Item 7: Types of Clients
RWM offers its investment services to various types of Clients, including individuals and
high-net-worth individuals, trusts and estates, pension and profit-sharing plans, and
corporations. RWM has a $1,000,000 minimum level of assets to become a Client.
RWM, in its sole discretion, may waive the required minimum asset level.