Spinosa Wealth Management Group LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Wrap Portfolio Management:

Please see our Wrap Fee Program Brochure for information regarding our fees and compensation for
our Wrap Portfolio Management service.

Financial Planning:

Our firm charges on an hourly or flat fee basis for financial planning services. The total estimated fee,
as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the
client. The maximum hourly fee to be charged will not exceed $350. Flat fees range from $1,000 to
$5,000. Full payment will be due upon rendering of financial planning services. Our firm will not
require a retainer exceeding $1,200 when services cannot be rendered within 6 months.

Pension Consulting:

Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the
percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum
hourly fee to be charged will not exceed $350. Our flat fees range from $1,000 to $25,000. Fees based
on a percentage of managed Plan assets will not exceed 0.50%. The fee-paying arrangements will be
determined on a case-by-case basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will not incur transaction costs for trades by their chosen custodian. More information about
this can be found in our separate Wrap Fee Program Brochure. However, clients may pay holdings
charges imposed by the chosen custodian for certain investments, charges imposed directly by a
mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus
(e.g., fund management fees, distribution fees, surrender charges, variable annuity fees, IRA and
qualified retirement plan fees, mark-ups and mark-downs, spreads paid to market makers, fees for
trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage
accounts and securities transactions). Our firm does not receive a portion of these fees.

Termination & Refunds

Either party may terminate the signed advisory agreement at any time. Upon receipt of your notice
of termination, LPL will process a pro-rated refund of the unearned portion of the advisory fees
charged in advance at the beginning of the quarter.

Financial Planning clients may terminate their agreement at any time before the delivery of a
financial plan by providing written notice. For purposes of calculating refunds, all work performed
by us up to the point of termination shall be calculated at the hourly fee currently in effect. Clients
will receive a pro-rata refund of unearned fees based on the time and effort expended by our firm.

ADV Part 2A – Firm Brochure                    Page 6                    Spinosa Wealth Management Group, LLC

Either party to a Pension Consulting Agreement may terminate at any time by providing written
notice to the other party. Full refunds will only be made in cases where cancellation occurs within 5
business days of signing an agreement. After 5 business days from initial signing, either party must
provide the other party 30 days written notice to terminate billing. Billing will terminate 30 days
after receipt of termination notice. Clients will be charged on a pro-rated basis, which takes into
account work completed by our firm on behalf of the client. Clients will incur charges for bona fide
advisory services rendered up to the point of termination (determined as 30 days from receipt of
said written notice) and such fees will be due and payable.

Commissionable Securities Sales

Representatives of our firm are also associated with LPL as broker-dealer registered representatives
(“Dually Registered Persons”). In their capacity as registered representatives of LPL, certain Dually
Registered Persons may earn commissions for the sale of securities or investment products that they
recommend for brokerage clients. They do not earn commissions on the sale of securities or
investment products recommended or purchased in advisory accounts through our firm. Clients have
the option of purchasing many of the securities and investment products made available through
another broker-dealer or investment adviser. When purchasing these securities and investment
products away from our firm, however, Clients will not receive the benefit of the advice and other
services we provide.

Item 7: Types of Clients & Account Requirements

Our firm generally provides advisory services to the following types of clients:

        Individuals and High Net Worth Individuals;
        Trusts, Estates or Charitable Organizations;
        Pension and Profit-Sharing Plans; &
        Corporations, Limited Liability Companies and/or Other Business Types.

Our requirements for opening and maintaining accounts or otherwise engaging us:

        Our firm requires a minimum account balance of $500,000 to engage our firm our Wrap
         Portfolio Management service. However, our firm retains the authority to reduce or waive
         this requirement at our sole discretion on a case-by-case basis.

        Written financial plans are generally assessed a minimum fee of $1,000.

ADV Part 2A – Firm Brochure                   Page 7                    Spinosa Wealth Management Group, LLC