Silvia McColl Wealth Management LLC

ITEM 5: FEES AND COMPENSATION
A. Compensation for Advisory Services
As described in greater detail below, SMWM charges different types of fees, including based on
a percentage of assets under management as well as hourly or fixed fees for services. The
specific fees charged by SMWM for its financial planning and investment management services
will be set forth in the Client’s Agreement.

Fees are negotiable under certain circumstances at the sole discretion of SMWM. In addition,
SMWM has full discretion to waive its advisory fees in their entirety. Although SMWM believes
its advisory fees are competitive, Clients should be aware that lower fees for comparable services
may be available from other sources.

Silvia McColl Wealth Management, LLC                                                 February 2. 2026
Form ADV Part 2A

    1. Fees Based on a Percentage of Assets Under Management
The Firm provides investment management services to clients for a fee based upon a percentage
of assets under management (including cash and cash equivalents) using an average daily
balance method, calculated and assessed quarterly, in arrears. The average daily balance for each
account is determined by calculating the total dollar value for every calendar day during the
previous quarter. All account balances for the previous quarter are then added together and
divided by the number of days in the quarter. The fee is then calculated by multiplying the
average daily balance of the account by the following annual tiered percentages as reflected in
the table below. With a tiered fee schedule, different asset levels are assessed different fees. For
example, a client with an account value of $2,500,000 would pay 1.5% annually on $999,999
and 1.0% annually on the remaining $1,500,000.

                          Account Size                    Annual Fees
                          Up to $999,999                  1.50%
                          $1,000,000 - $2,999,999         1.00%
                          $3,000,000 - $4,999,999         0.85%
                          Over $5,000,000                 0.65%

Investment management fees will be automatically deducted from the Client’s account by the
custodian as soon as practicable following the end of each applicable period. Should a Client
open an account during a quarter, the Firm’s management fee will be prorated based on the
number of days the account was open during the quarter. In the event the Firm’s services are
terminated mid-quarter, any paid, unearned fees will be promptly refunded to the Client, while
any unpaid fees will be due and payable to SMWM. The number of days the account was
managed during the quarter until termination is used to determine the percentage of the
management fee earned (based on the total number of days in the quarter).

Advisory fees are negotiable and arrangements with any particular Client can differ from those
described above. In addition, for family and friends of the Firm, the Firm, in its sole discretion,
can reduce or waive management fees in their entirety.

The Firm can amend its standard fee schedule at any time by giving thirty (30) days advanced
written notice to Clients. Should a client have more than one account managed by the Firm, then
SMWM can elect at its sole discretion to aggregate the Client’s accounts for the purpose of
computing management fees.

Each Client account receiving investment management services from SMWM will typically be
billed individually for its respective share of fees owed to the Firm. However, at times SMWM
will bill Client accounts disproportionately for fees should such actions be necessary due to
insufficient funds in any respective Client account.

Although SMWM believes its fees are competitive, Clients are hereby advised that lower fees for
comparable services may be available from other sources.

Silvia McColl Wealth Management, LLC                                               February 2. 2026
Form ADV Part 2A

    2. Fixed Fees
For Financial Planning services, the Firm generally charges a fixed fee. The Firm’s fixed fees are
assessed as a one-time fee, or an ongoing fee dependent upon the services received. Generally,
rates range from $5,000 – $15,000 on a fixed fee basis, based on the scope and complexity of the
requested services, as stipulated in the Agreement. These rates can be negotiated based on the
sole discretion of the Firm.

Clients receiving “one-time” Financial Planning Services are generally requested to pay 50% of
the estimated fee upon execution of the Agreement. An invoice for services is issued on
completion of the written analysis, which is payable upon receipt. Clients engaging us only for
initial and ongoing Financial Planning Services are requested to pay 50% of the negotiated first
year flat fee upon execution of the Agreement, with the remaining balance paid in 3 equal
installments billed quarterly in advance. Such fee will be payable upon receipt of the invoice.

Clients under a one-time Agreement can terminate the Agreement, without penalty, at any time
upon written notice. At the time of termination, any prepaid fees will be prorated based on the
amount of work completed by the Firm as of the date the notice of termination is received, and
any unearned fees will be returned to the Client.

Clients under an initial/ongoing Financial Planning Services Agreement are subject to a term of
one year from execution of the Agreement. Clients terminating prior to the ending term will be
invoiced for the balance of the fee, which is payable within 30 days of notice of termination.

Following the one-year term, fees under the Agreement will revert to a renegotiated flat fee,
billed quarterly in advance. Clients may terminate this Agreement with 30 days’ notice. At the
time of termination, any prepaid fees will be prorated based on the amount of work completed
and returned to the Client.
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ITEM 7: TYPES OF CLIENTS
A. Description
SMWM provides discretionary investment supervisory and management services on a
continuous basis to individuals, high net worth individuals, retirement plans, foundations,
charitable organizations, businesses and pension and profit-sharing plans (“Client”).

The Firm generally requires a minimum initial investment of $750,000 to open an account,
which could be negotiable by the Firm in its sole discretion. However, the Firm reserves the right
to accept or decline a potential Client for any reason in its sole discretion. Prior to engaging the
Firm to provide any of the investment advisory services described in this Brochure, the Client
will be required to enter into one or more written Agreements with the Firm setting forth the
terms and conditions under which the Firm shall render its services.

There will be times when certain restrictions are placed by a Client, which prevents SMWM
from accepting or continuing to manage the account. SMWM reserves the right to not accept
and/or terminate management of a Client’s account if it feels that the Client imposed restrictions
would limit or prevent it from meeting and/or maintaining its overall investment strategy.