Smart Wealth LLC

Item 5: Fees and Compensation
Investment Advisory / Portfolio Management Services
Fees for all discretionary accounts are charged monthly in arrears based upon the average daily
value of a client’s portfolio of securities during the previous month or quarter as valued by the
custodian. Fees are pro-rated for the first partial month or quarter when a new account is opened
such that no client is charged for any day of the initial month in which the client does not yet have
assets managed by SMART Wealth. Fees are retroactive. The fee schedule breakpoints and rates are
a suggestion and may be modified.
Discretionary client portfolios of securities are managed under the following tiered fee structure,
with a decreasing annualized rate for all such clients, but may be modified lower, as noted in the
Investment Advisory Agreement:

                   Managed Asset Value Tiers                 Tiered Rate   Maximum AUM Fee Per Tier
       The First $250,000 ($1 to $250,000)                      1.50%              $3,750
       The Next $250,000 ($250,001 to $500,000)                 1.30%              $3,250
       The Next $250,000 ($500,001 to $750,000)                 1.00%              $2,500
       The Next $250,000 ($750,001 to $1,000,000)               0.90%              $2,250
       The Next $1 Million ($1,000,001 to $2,000,000)           0.85%              $8,500
       The Next $1 Million ($2,000,001 to $3,000,000)           0.80%              $8,000
       The Next $2 Million ($3,000,001 to $5,000,000)           0.75%             $15,000
       All amounts above $5 Million ($5,000,001 & up)           0.70%               N/A

Fees are deducted from designated client accounts. Clients must consent in advance for the
custodian and/or broker-dealer to deduct the fees from their account and the fees will be clearly
noted in the client’s statements. The custodian and/or broker-dealer is not responsible for the
actual calculation of the fees.

Financial Planning and Financial Consulting Services

The fee for financial planning services at SMART Wealth varies based on the complexity of the engagement
and the client’s overall financial circumstances. For most individual and family financial plans, fees
generally range from $1,800 to $9,500. For Qualified High Net Worth Clients—generally defined as those
with more than $5 million in investable assets—as well as business owners and clients who require
advanced or highly specialized planning, fees typically range from $12,000 to $75,000. The exact fee, based
on the scope of services to be provided, will be quoted in writing and agreed to in your advisory
agreement prior to commencement of services.

If a client terminates financial planning services after we have begun the work but before
completion, the client will receive a full refund via a check mailed to the address of record.

We provide you with an exact fee quote before you authorize us to begin our work. The specific
financial planning fee being charged to the client will be set forth and identified in the investment
advisory agreement between each client and us. Financial planning fees are billed separately
with invoices mailed to the address of record.

Your financial professional will update your financial plan upon request or when your objectives or
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                           Part 2A of Form ADV: SMART Wealth, LLC Brochure

financial situation change. If a financial plan is updated, the fee will be dependent on the nature
of the update. Again, this fee will be set forth and identified in an agreement between you and the
firm.

Flourish Financial

As an alternative and/or supplement to other cash-holding investment options, SMART Wealth
offers our clients the option to open a Flourish Cash Account and to participate in the Flourish Cash
Sweep Program. A Flourish Cash account is an interest-bearing brokerage account offered by
Flourish. It is not a bank account, and Flourish is not a bank. A Flourish Cash account is not an
investment account, and Client cannot purchase securities in the account.

The Flourish Cash Sweep Program is a Federal Deposit Insurance Corporation (“FDIC’) insured vehicle
into
which cash is “swept” inside the account into one or more Program Banks allowing Client to earn
interest at the Flourish Cash Rate, less the SMART Wealth Service Fee. Flourish actually spreads
Client’s deposits among as many as 20 FDIC insured Program Banks. Thus, customers are eligible
for up to $5,000,000 of FDIC insurance coverage.

The interest rate that Client receives on cash balances in Client’s Flourish Cash Account will be equal
to the Flourish Cash Rate minus the fees charged by SMART Wealth. The Flourish Cash Rate equals the
overall rate the Program Banks are willing to pay minus the compensation the Program Banks pay to
Flourish Financial LLC. For further rate information visit www.flourish.com/rates.

The SMART Wealth Service Fee is currently equal to and will not exceed 15 basis points (.15%) of
the Flourish Cash Rate earned by Client from the Program Banks on funds deposited in the Flourish
Cash Account. Clients agree to authorize Flourish to collect and remit to SMART Wealth a service fee.
This fee is calculated on a daily basis and remitted to SMART Wealth monthly.

SMART Wealth benefits financially from cash balances held in Flourish Cash Accounts, which
creates a conflict of interest. This conflict exists because SMART Wealth receives a service fee from
Flourish on said balances, and this incentivizes SMART Wealth advisors to refer Clients to Flourish. We
mitigate this conflict by not charging advisory fees on cash balances held at Flourish to avoid double
charging clients who select flourish for cash management purposes.

In addition to any interest earned and FDIC insurance coverage, Client may benefit from holding cash in
...

Item 7: Types of Clients
We offer our firm’s services to individuals, high net worth individuals, and other business entities,
profit-sharing plans, and estates and trusts. While we serve clients at all asset levels, please note that
households with less than $133,334 in assets under management are subject to a minimum annual
fee of $2,000, billed monthly in arrears. This minimum fee ensures clients with smaller balances
receive the same level of service as larger accounts. For further details regarding our fee structure,
please refer to Item 5 of this Brochure.