Silveroak Wealth Management LLC

Item 5.        Fees and Compensation

Portfolio Management Services

The annual fee for investment supervisory services will be charged as a percentage of assets under
management or referral, according to the schedule below:

Assets under Management             Annual Fee

1st $1,000,000.................................1.00%*
Next $2,000,000.............................0.75%
Next $2,000,000.............................0.50%
Next $5,000,000.............................0.35%
Amounts over $10,000,000............0.20% - 0.35%**

*SilverOak fees will be billed at an annual fee of 1.25% for a client’s portfolio that is less than
$500,000 of billable assets under management.

**SilverOak may quote an exact percentage depending on level of assets over $10,000,000, the nature
of the client's account and the services required by the client.

Annual fees are negotiable under certain circumstances depending on the size and nature of the client's
account and the services required by the client. A minimum of $250,000 of assets under management
is required for all managed accounts. However, this account minimum size may be negotiable under
certain circumstances.

Clients will be invoiced in advance at the beginning of each calendar quarter based upon the value
(market value or fair market value in the absence of market value) of the client's account at the end of
the previous quarter.

Money Manager Search and Monitoring

The annual fee for Money Manager Search and Monitoring will be charged as a percentage of
monitored assets, according to the schedule below:

Assets Monitored                   Annual Fee

1st $1,000,000.................................1.00%*
Next $2,000,000.............................0.75%
Next $2,000,000.............................0.50%
Next $5,000,000.............................0.35%
Amounts over $10,000,000............0.20% - 0.35%**

*SilverOak fees will be billed at an annual fee of 1.25% for a client’s portfolio that is less than
$500,000 of billable assets under management.

**SilverOak may quote an exact percentage depending on level of assets over $10,000,000, the nature
of the client's account and the services required by the client.
Annual fees are negotiable under certain circumstances depending on the size and nature of the client's
account and the services required by the client.

A minimum of $250,000 of assets under management is required for all managed accounts. However,
this account minimum size may be negotiable under certain circumstances. SilverOak will ensure that
its fee, in combination with the fee charged by any independent investment adviser(s) selected by the
client with regard to this service, does not exceed 3.00% of the client’s assets under
management/monitored.

Clients will be invoiced in advance at the beginning of each calendar quarter based upon the value
(market value or fair market value in the absence of market value) of the client's account at the end of
the previous quarter.

Schwab Access Program

The fees and account minimums for the Schwab Access Program are disclosed in Schwab's wrap fee
program brochure (Form ADV Part 2A, Appendix 1). Schwab deducts fees, including those for the
investment manager(s) selected by a client, from the client's account. Clients should review the
termination and refund policies for the Schwab Access Program, which are available in Schwab's wrap
fee disclosure brochure.

SilverOak charges a separate fee to the client for their services.

Schwab Select Program

The fees and account minimums for the Schwab Select Program are disclosed in Schwab's wrap fee
program brochure (Form ADV Part 2A, Appendix 1). Schwab deducts fees, including those for the
investment manager(s) selected by a client, from the client's account. Clients should review the
termination and refund policies for the Schwab Select Program, which are available in Schwab's wrap
fee disclosure brochure.

SilverOak charges a separate fee to the client for their services.

Tax Qualified Employee Benefit Services

The annual fee for tax qualified employee benefit services will be charged by the service provider as a
percentage of assets under supervision by the service provider. These fees may vary from client to
client depending on the nature of each clients’ needs and the services provided. The total annual fee
charged to clients for this service will typically range between 0.20% to 0.60% of the supervised
assets. SilverOak may receive up to 100% of the total annual fee for its services. The annual fees shall
be due and payable as contracted for at the inception of the client relationship (generally monthly in
arrears). The service provider may also charge custodial, maintenance fees and/or recordkeeping fees.

Pension Consulting Services

Fees for pension consulting services will be charged in one or both of the two ways listed below, upon
mutual agreement with the client:

   a) As a fixed fee, typically ranging from $3,000 to $25,000, depending on the nature and
      complexity of each client's circumstances; and/or

   b) On an hourly basis, ranging from $50 to $350 per hour, depending on the nature and
      complexity of each client's circumstances and the particular SilverOak individual working on
      the client issue. An estimate for total hours will be determined at the start of the advisory
      relationship.

Pension consulting fees shall be due as follows:
       Up to 50% of the estimated fee may be due upon signing the advisory agreement, with the
       balance due upon completion of the pension consulting service (or as earned).

It is SilverOak's policy not to hold client funds greater than $1,200 for more than six months in
advance of completion of the pension consulting service.

Financial Planning Services

Financial planning fees will be charged in one or both of the two ways listed below, upon mutual
agreement with the client:

   a) As a fixed fee, typically ranging from $1,500 to $20,000, depending on the nature and
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Item 7.        Types of Clients

Our firm generally provides advisory services to individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, corporations and other business entities.