Spyrnal Wealth Management LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing
the investment advisory contract, the investment advisory contract may be terminated by the client within
five (5) business days of signing the contract without incurring any advisory fees and without penalty. How
we are paid depends on the type of advisory service we are performing. Please review the fee and
compensation information below.

Investment Management Services
Our advisory fee is blended and based on the market value of the assets under management and is
calculated as follows:
                     Account Value                             Annual Advisory Fee
                     $0 - $500,000                                    1.00%
                 $500,001 - $1,000,000                                0.80%
                $1,000,001 - $5,000,000                               0.50%
                 $5,000,001 and Above                                 0.30%

Fees are billed quarterly in arrears based on the amount of assets managed as of the close of business on
the last business day of each quarter. The advisory fee is a blended fee and is calculated by assessing the
percentage rates using the predefined levels of assets as shown in the above chart, resulting in a combined
weighted fee. For example, an account valued at $2,000,000 would pay an effective fee of 0.70% with the
annual fee of $14,000.00. The quarterly fee is determined by the following calculation: (($500,000 x 1.00%)
+ ($500,000 x 0.80%) + ($1,000,000 x 0.50)) ÷ 4 = $3,500. No increase in the annual fee shall be effective
without agreement from the client by signing a new agreement or amendment to their current advisory
agreement.

In the event the client requests financial planning services, these services are provided as part of this
advisory fee. Advisory fees are negotiable at the Advisor’s discretion.

Accounts initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the
amount of time remaining in the billing period. An account may be terminated with written notice at least
15 calendar days in advance. Upon termination of the account, any unearned fee will be refunded to the
client.

         Katam Hill LLC - If Spyrnal Wealth Management determines to utilize the services of Katam Hill,
         they charge an annual advisory fee up to 1.00% and a performance fee. Please refer to Katam
         Hill’s Form ADV Part 2A for further information.

Investment Advisory Services
Spyrnal Wealth Management may direct clients to Outside Managers/Overlay Managers through
GeoWealth or Advyzon. Spyrnal Wealth Management will be compensated via the fee schedule above.
The Outside Managers will be compensated via a Platform Fee. The fees will not exceed any limit imposed
by any regulatory agency.

Fees and compensation for using other overlay managers are provided in more detail in the Overlay
Manager’s ADV Part 2A. Discretionary Manager Fee schedules are included in the Client Billing
Authorization or the Appendix A to the Client Service Agreement.
The fees applicable to each Account on the GeoWealth or Advyzon platforms may include:
   1. Financial Advisor Fee (see “advisory fee” above),
   2. Combined Platform/Account Fee, which may include the Platform Fee and any Strategist or
      Manager Supplemental Fee, if applicable,
   3. Custodian trading fees
Other fees for special services may also be charged. The Client should consider all applicable fees.

Financial Planning and Consulting
For clients who are not receiving Asset Management Services but would like Financial Planning and
Consulting Services, Advisor charges a negotiable fixed fee for financial planning depending upon the
complexity of the plan and the unique needs of the client. Prior to the planning process the client will be
provided an estimated plan fee. The services include, but are not limited to, a thorough review of all
applicable topics including Wills, Estate Plan/Trusts, Investments, Taxes, and Insurance. Client will pay half
of the estimated fee at the signing of the agreement. Services are completed and delivered inside of thirty
(30) days. Client may cancel within five (5) business days of signing Agreement for a full refund. If the client
cancels after five (5) business days, any unearned fees will be refunded to the client, or any unpaid earned
fees will be due to Advisor.

FIXED FEES

Financial Planning Services are offered based on a flat fee between $750 and $3,000. The fee is negotiable.
Spyrnal Wealth Management will not bill an amount above $500.00 more than 6 months in advance. In
the event of early termination, the client will be billed for the hours worked at a rate of $250 per hour.

HOURLY FEES

Financial Planning fee may also be provided at an hourly rate of $250 per hour. The fee may be negotiable
in certain cases and is due at the completion of the engagement. In the event of early termination by client,
any fees for the hours already worked will be due.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
that may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and
other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual fund and exchange traded funds also charge internal management fees, which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to
our fee, and we shall not receive any portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for
...

Item 7: Types of Clients
We provide financial planning/consulting, portfolio management and investment advisory services to
individuals and high net-worth individuals.
Our minimum account size requirement is $100,000. We may waive this requirement in certain situations.