Sparrow Wealth Management Inc

Item 5 - Fees and Compensation

The “base” fee for personal financial planning services ranges between $250 and $350 per month, depending

on the complexity of the client’s situation. This fee is negotiable. The “base” fee is paid quarterly, in advance. If

a client wants to have the “base” fee debited directly from their brokerage account, along with the asset

management fee (see paragraph below), the client must provide a written authorization to do so. The client may

terminate these services at any time and a pro-rata refund (by day) of any fees paid will be made to the client.

While the “base” fee is designed to cover most personal financial matters that the client may need help with,

SWM reserves the right to charge its hourly fee, which is $350 / hour, for matters that are outside the scope of

SWM’s personal financial planning services, such as providing consulting for a client’s business. Hourly

charges, in this case, are billed monthly, in arrears, at the rate stated above. Lower fees for comparable

services may be available from other sources.

The annual charge for asset management is .75% of assets under management for amounts up to $3,000,000,

.50% for amounts between $3,000,000 and $5,000,000, and .25% for amounts over $5,000,000. The term,

assets under management, generally refers to assets that are held in one or more brokerage account(s) where

SWM has a Limited Power of Attorney on the account(s). Assets under management may also include the

Client’s retirement plans with their employer, such as 401(k) or 403(b) plans, if the Client wants SWM to

manage these accounts. This fee schedule is negotiable based upon portfolio size and other business

considerations. No fee shall be based upon capital gains or capital appreciation of assets. Fees will be paid

quarterly, in advance, and they will be based on the market value of the account(s) as of the last business day

of the prior quarter. No fee shall be paid more than six months in advance. There is no minimum fee for asset

management. Fees for the first quarter will be prorated for the number of days that services are to be provided.

Lower fees for comparable services may be available from other sources.

If a client wants to have these fees debited directly from their brokerage account, the client must provide a

written authorization to do so. The client may terminate SWM’s asset management services at any time and a

pro-rata refund (by day) of any fees paid will be made to the client.

       Sparrow Wealth Management                                                      IARD/CRD No.: 152670
       Form ADV Part 2A Brochure                                                           February 19, 2026

In addition to the above fees charged for SWM’s services, each mutual fund and exchange traded fund (“ETF”)

charges on-going management fees for the operations of the fund. These management fees should not be

confused with “loads” or commissions. SWM primarily utilizes “no load” funds for its clients, except in rare

circumstances. Finally, clients pay transaction fees to their brokerage firm for purchases and sales of mutual

funds and other securities.

Neither SWM nor any supervised persons accept compensation for the sale of securities or other investment

products.

      Sparrow Wealth Management                                                 IARD/CRD No.: 152670
      Form ADV Part 2A Brochure                                                      February 19, 2026

Item 7 - Types of Clients

SWM offers its services to individuals (primarily high net worth), businesses, pension plans, profit sharing
plans, trusts, estates, and charitable organizations. SWM does not require a minimum amount of client assets
to provide its services.

       Sparrow Wealth Management                                                       IARD/CRD No.: 152670
       Form ADV Part 2A Brochure                                                            February 19, 2026