Sa Wealth Management LLC

ITEM 5: FEES AND COMPENSATION

      A.     Fees Charged

      All investment management clients will be required to execute an investment management
      agreement that will describe the type of management services to be provided and the fees, among
      other items. Clients are advised that they may pay fees that are higher or lower than fees they may
      pay another advisor for the same services. Clients are under no obligation at any time to engage or
      to continue to engage STEINBERGANNA for investment services. If you do not receive a copy of this
      brochure at least 48 hours prior to the execution of an Agreement, you may terminate the
      agreement within the first five (5) business days without penalty.

      Asset Management

STEINBERGANNA asset management fees generally range from 0.00% to 1.75% per annum of the
net market value of a client’s account managed by STEINBERGANNA billed monthly in advance.
Clients may pay a different fee in each account dependent on the assets within that account. Fees
are negotiable and may be higher or lower than this range, based on the nature of the account, and
the origin of the client. Factors affecting fee percentages include if the account is the size of the
account, complexity of asset structures, the non-management services provided to the client, and
any other unique factors that may exist.

On a limited basis, STEINBERGANNA will charge a fixed fee for asset management services ranging
from $500 to $20,000 as determined in the sole discretion of STEINBERGANNA and mutually
agreed upon with the client.

Retirement Plans

STEINBERGANNA retirement plan fees generally range from 0.15% to 1.50% per annum of the total
plan assets.

Estate and Trust Administrative Assistance

STEINBERGANNA will charge a fixed free for assistance with the establishment of estate and trust
accounts ranging from $500 to $20,000 as determined in the sole discretion of STEINBERGANNA
and mutually agreed upon with the client.

B.     Fee Payment

For clients whose assets are managed by the Firm, asset management fees will be debited directly
from each client’s account. The advisory fee is paid monthly, in advance, based on the net market
value of a client’s account as of the last day of the previous month’s end. To the extent there is
cash in your account, it will be included in the value for the purpose of calculating fees only if the
cash is part of an investment strategy. Once the calculation is made, we will instruct your account
custodian via written notice to deduct the fee from your account and remit it to STEINBERGANNA.
If a third-party manager is used, the fee charged by STEINBERGANNA is in addition to the fee
charged by the third-party manager.

For clients whose assets are held with outside custodians and where STEINBERGANNA still
provides investment advice, the fee is calculated on a quarterly basis, in advance, based on the
last quarterly value. Clients can have the fee deducted from the assets held with the custodian for
STEINBERGANNA, or by check as mutually agreed upon between the client and STEINBERGANNA.

Clients whose fees are directly debited will provide written authorization to debit asset
management fees from their accounts held by a qualified custodian chosen by the client.
STEINBERGANNA is to invoice the qualified custodian for fees. Each month, the client will receive
a statement from their account custodian showing all transactions in their account, including the
fee. STEINBERGANNA encourages clients to carefully review the statements and confirmations
sent to them by their custodian, and to compare the information on reports prepared by
STEINBERGANNA against the information in the statements provided directly from the custodian.
Please alert STEINBERGANNA of any discrepancies.

Retirement plan fees are calculated by the custodian of the plan and deducted from plan assets.
The fees are then paid to STEINBERGANNA from the custodian of the plan.

      STEINBERGANNA on a limited basis, will charge a fixed fee to a client where the fee is paid annually
      by the client by check based upon the last annual value.

      For estate and trust administrative assistance, the Client is issued an invoice for the fixed fee
      amount agreed upon which can be paid by check or by deduction of the amount from the assets
      currently under management by STEINBERGANNA.

      C.      Other Fees

      There are a number of other fees that can be associated with holding and investing in securities.
      You will be responsible for fees including transaction fees for the purchase or sale of a mutual fund
      or exchange traded fund, or commissions for the purchase or sale of a stock. Expenses of a fund
      will not be included in asset management fees, as they are deducted from the value of the shares
      by the mutual fund manager. For complete discussion of expenses related to each mutual fund,
      you should read a copy of the prospectus issued by that fund. STEINBERGANNA can provide or
      direct you to a copy of the prospectus for any fund that we recommend to you. Any fees paid to
      third-party managers are separate from, and in addition to, fees paid to STEINBERGANNA.

      Please make sure to read Item 12 of this informational brochure, where we discuss broker-dealer
      and custodial issues.

      D.      Pro-rata Fees

      If you become a client during a billing period, you will pay an asset management fee for the number
      of days left in that billing period. If you terminate our relationship during a billing period, you will be
      responsible for the payment of management fees for the portion of the billing period during which
      you were a client. Once your notice of termination is received, we will assess pro-rated fees for the
      number of days between the end of the prior billing period and the date of termination to be paid in
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ITEM 7: TYPES OF CLIENTS

       Clients advised include individuals, families, business entities and retirement plans.
       STEINBERGANNA does not have an account minimum.