Sageoak Financial LLC

Item 5 – Fees and Compensation

SageOak is compensated on a strictly fee-only basis. This means that the only compensation we receive are fees paid
directly to SageOak by our clients. Please see below for the fee schedule regarding the different client engagements
SageOak offers. SageOak reserves the right to negotiate or waive any of its fee schedules at the sole discretion of the firm’s
principal(s) and/or based upon the circumstances and dynamics of the client relationship. As a result, client relationships
may exist in which fees are higher or lower than the fee schedules below.

Wealth Management Services

         Fees for Wealth Management clients are based on a percentage of the client’s total net worth and are calculated by
         applying the fee schedule below to each client’s net worth at the inception of the relationship. For investment

      accounts, bank accounts, and other similarly liquid assets, the advisor will use account statements from the
      custodian and/or account balance information provided by the client for fee calculation purposes. For assets that
      are illiquid and/or hard to value, such as with a closely held business, the advisor and the client will determine a
      mutually agreeable estimate to be used for fee calculation purposes. Fees are adjusted annually thereafter, using
      mutually agreed upon asset values. There is typically a minimum quarterly fee based on the nature and complexity
      of the engagement. In addition to the quarterly fee, there is a one-time, upfront initial planning fee that is also
      based on the nature and complexity of the engagement. Fees are calculated once a year and billed in quarterly
      installments, in advance. If an engagement is terminated during a calendar quarter, the fee will be prorated for
      the final period and any fees paid in advance will be refunded. Clients may pay fees by having them deducted from
      an advisory account in which the client has authorized SageOak to deduct such fees. In limited circumstances,
      clients may pay advisory fees by check, electronic ACH transaction, or credit card.

                                 Annual Fee                 Net Worth
                                   0.75%                On the first $500,000
                                   0.50%               On the next $4,500,000
                                   0.25%               On the next $5,000,000
                                   0.10%          On the amount above $10,000,000

Investment Management

      Fees for Investment Management clients are based on a percentage of the client’s Household Account Value
      according to the fee schedule below. For purposes of “Household Account Value,” accounts will be combined with
      others’ accounts of the client’s immediate or non-immediate household. The total value of the Household Account
      Value upon which such fees are calculated shall be based on the previous quarter ending balance for those assets
      that have a readily ascertainable market value as valued by the custodian. If an engagement commences other
      than at the beginning of a calendar quarter, the quarterly charge will be prorated based on Household Account
      Value at inception. If an engagement is terminated during a calendar quarter, the fee will be prorated for the final
      period and any fees paid in advance will be refunded. Any positions excluded from billing will also be excluded
      when calculating tier values listed below. Clients may pay fees by having them deducted from an advisory account
      in which the client has authorized SageOak to deduct such fees. In limited circumstances, clients may pay
      advisory fees by check, electronic ACH transaction, or credit card.

                                 Annual Fee          Household Account Value
                                    1.65%                  $0 - $250,000
                                    1.40%               $250,001 - $500,000
                                    1.25%               $500,001 - $750,000
                                    1.10%              $750,001 - $1,000,000
                                   0.95%              $1,000,001 - $1,500,000
                                   0.85%              $1,500,001 - $2,000,000
                                    0.75%             $2,000,001 - $5,000,000
                                  Negotiable                $5,000,001+

Use of Third Party Money Manager

      In the event SageOak utilizes a third party money manager (Money Manager) to assist in the management of
      client account(s), the Money Manager’s fees are separate and not included in our advisory fee disclosed above.
      The Money Manager’s advisory fees, billing schedule, and payment procedures are set forth in their separate
      written disclosure documents, advisory agreements, and/or the account opening documents of your account
      Custodian.

Financial Planning

      Fees for Financial Planning clients depend on the nature and complexity of the engagement. One-time
      engagements involve a project-based fee, while ongoing engagements involve a one-time, upfront planning fee
      and an ongoing fee that is paid quarterly. Fees for one-time engagements are paid in arrears upon completion of

        the project, while fees for ongoing engagements are paid in advance. Fees may be paid by check, electronic ACH
        transaction, or credit card.

Institutional Advisory Services

        Fees for Institutional Advisory clients are based on a percentage of the client’s plan/account size according to the
        fee schedule below. Fees are billed quarterly in advance based on the value of the client’s plan/account size as of
        the previous quarter ending balance. If an engagement commences other than at the beginning of a calendar
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Item 7 – Types of Clients

Description

        SageOak offers its services primarily to individuals, including high net worth individuals, businesses, working
        professionals, business owners, near/current retirees, and their families. Client relationships vary in scope and
        length of service, depending upon the individual needs of the client.

Account Minimums

        Although SageOak does not have a minimum asset value or account size, we reserve the right to impose a
        minimum fee, depending on the nature and complexity of each client engagement. SageOak reserves the right to
        waive or lower a client’s minimum fees at any time, depending upon the dynamics of the client relationship or as
        otherwise determined by the firm principal. For more information on fees and how they are calculated, see the
        section titled “Item 5 – Fees and Compensation” in this brochure.