Seed Wealth Management Inc

Item 5 – Fees and Compensation
Investment Management
A negotiable annual fee for clients is 0.30% of client non-cash assets under management. Fees are billed
quarterly in arrears based on the amount of assets under management as of the close of business on the last
business day of each month as valued by Schwab. Schwab prorates this fee by adjusting for account
withdrawals and additions. Quarterly advisory fees deducted from the clients' account by the custodian will
be reflected in the Quarterly Report.

Clients may terminate their account within five business days of signing the Investment Advisory
Agreement with no obligation. Either SEED or clients may terminate advisory services at any time. SEED will
be entitled to a pro rata fee for the days service was provided in the final month. Client shall be given thirty (30)
days prior written notice of any increase in fees, and client will acknowledge, in writing, any agreement of
increase in said fees.

Sub-Advisory Services Fees
A fee of 0.30% will be charged on the total assets under management that the third party unaffiliated investment
adviser brings to SEED. SEED is compensated directly by the third party unaffiliated investment adviser with a
portion of their investment management fee, as per the duly executed sub-advisory services agreement. Third

 Disclosure Brochure

party unaffiliated investment adviser who engage SEED as a sub-adviser shall be responsible for billing their
clients and collecting all fees. This fee is negotiable.

Clients may terminate their account within five (5) business days of signing the Investment Advisory
Agreement with no obligation. Clients may terminate advisory services with thirty days written notice. For
accounts closed mid-quarter, SEED will be entitled to a pro rata fee for the days service was provided in the
final quarter. Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase in
fees will be acknowledged in writing by both parties before any increase in said fees occurs.
Clients will receive quarterly statements from the Custodian that provides details of the advisory fees.

Payment of Fees
Investment management fees are billed monthly, in arrears. Payment in full is expected upon invoice
presentation. Fees are usually deducted from a designated client account to facilitate billing. The client must
consent in advance to direct debiting of their investment account.

Mutual Fund Share Class Disclosures
Section 206 of the Investment Advisers Act of 1940 (“Advisers Act”) imposes a fiduciary duty to act in a
client’s best interests and specifically prohibits investment advisers, directly or indirectly, from engaging in any
transaction, practice, or course of business which operates as a fraud or deceit upon any client or prospective
client.

However, the fiduciary duty to which advisers are subject is not specifically defined in the Advisers Act or the
Commission rules but reflects a Congressional recognition “of the delicate fiduciary nature of an investment
advisory relationship” as well as a Congressional intent to eliminate, or at least expose, all conflicts of interest
which might incline an investment adviser, consciously or unconsciously, to render advice which was not
disinterested.

The purpose of 12b-1 fees, as approved by the SEC, are to cover marketing expenses and shareholder services
such as the support services. The more beneficial share class depends on an analysis of all fees including ticket
charges and expected 12b-1 fees. Investing in a 12b-1 fee paying share class can be less expensive for a client
than investing in a share class with a lower expense ratio if the ticket charges on the lower-cost share class
exceed the amount of ongoing 12b-1 fees. Depending on the anticipated trading volume, and the asset
management fee that is determined based on account size, complexity and time requirements, investment
advisor representatives have a fiduciary duty to determine the mutual fund share class that is in the best interest
of each client as part of the overall fee analysis.

For a wrap fee account, a different conflict of interest is introduced because the advisor now has an incentive to
not trade as frequently (reverse churning) to avoid the ticket charges which can compromise the active
management of an advisory account. This conflict is mitigated by an investment adviser representative’s
fiduciary duty to act in a client’s best interest while also considering the higher asset management fee charged
for wrap fee accounts.

 Disclosure Brochure

Advisor will seek to determine the most advantageous share class available to each client. While institutional
share classes are usually the lowest cost alternative, under certain circumstances clients may be better served to
pay a higher annual expense ratio and avoid a transaction fee on each trade. When selecting a mutual fund for a
client’s advisory account, the Investment Advisor Representative has a fiduciary duty to select the share class
that helps manage the overall fee structure of the account. The overall fee structure includes such fees as: Asset
Management Fees, Expense ratio, which includes 12b-1 fees, generally .25% for A shares and/or trade ticket
charges.

   •   Investment Advisor Representatives must anticipate and monitor trading volume, and the asset
       management fee that is determined based on account size, complexity and time requirements.

   •   Advisor will review mutual fund positions that clients transfer “in kind” to be included in assets
       managed by Advisor and will advise the client as to alternatives available to them regarding share
       classes.

   •   Advisor recognizes that in some situations, alternative share classes might not be available. For
       example, 529 and 401(k) Plans often have a limited array of investments and share classes available.

Legacy Mutual Fund Holdings
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Item 7 – Types of Clients
SEED generally provides investment advice to high net worth individuals, trusts and estates and other
investment advisors.