SSB Wealth Management Inc

Item 5          Fees and Compensation

Fees Charged

Set forth below is a description of the fees charged with respect to each of the services offered by
RPJ.

Investment Management Services

The fees that RPJ charges for Investment Management Services are calculated and charged
quarterly, in advance, based on the value of the client’s account(s) managed or supervised by RPJ
as of the last day of the prior calendar quarter or as otherwise negotiated and specified in the
client’s IMA. However, the fee that RPJ charges for Investment Management Services for the
initial quarter (or partial quarter, if the client begins in between calendar quarters) is calculated and
charged at the outset of the relationship based on the anticipated value of the client’s account(s)
managed or supervised by RPJ, as agreed upon by the client and RPJ.

Generally, fees for investment management services will not exceed 1.00% per annum of the net
asset value of a client’s account(s) managed or supervised by RPJ (including accounts outside of
RPJ’s recommended custodians); however, fees are negotiable, and may be higher or lower based
on the size of the account, complexity of asset structures, selected investment mandates, nature of
services provided and other factors.

The minimum account size for investment management services is $500,000. This minimum may
be waived by RPJ for referrals from existing clients, for family members of existing clients or
otherwise in RPJ’s discretion.

Financial Planning Services

When providing Financial Planning Services, RPJ typically does not charge a client or potential
client for the initial meeting to discuss such services. Financial planning services are provided on
a fixed fee basis, and rates typically vary from $3,000 to $15,000. However, this fee range is a
guide, and fees are negotiable. Actual fees will depend on the anticipated complexity of your plan.
Fees may be higher or lower than this range based on the nature of the engagement. For fixed fee
arrangements, fees will be due upon the client’s receipt of an invoice, and payment terms will

depend on the nature of the engagement. In many cases, clients will be asked to put forth a retainer
at the onset of the engagement, which may equal up to 50% of the expected final cost.

Business Consulting Services

When providing Personalized Consulting Services, RPJ typically does not charge a client or
potential client for the initial meeting to discuss such services. RPJ provides Business Consulting
Services on a fixed fee basis, and rates typically vary from $5,000 to $15,000. However, this fee
range is a guide, and fees are negotiable. The fees may be higher or lower based on the complexity,
nature of services provided, and other factors.

Retirement Plan Consulting Services

The fees that RPJ charges for Retirement Plan Consulting Services are calculated and charged
quarterly, in advance, based on the value of each Plan’s assets as of the last day of the prior calendar
quarter or as otherwise negotiated and specified in the Plan’s service agreement.

Generally, fees for Retirement Plan Consulting Services will not exceed 1.00% per annum of the
net asset value of a Plan’s assets. However, fees are negotiable, and may be higher or lower based
on the size of the Plan’s assets, complexity of asset structures, selected investments, nature of
services provided and other factors. The fee is divided between RPJ, RPC, and RPC’s affiliate.
Plans will also be charged an annual fee for compliance testing. The compliance testing fee is
typically a flat rate of $1,250.

Fee Payment

Typically, RPJ will deduct fees directly from the client’s custodial account as authorized by the
client in an IMA. Such fees will generally be deducted in advance on a quarterly basis based on
the net asset value of the client account(s) managed or supervised by RPJ as of the last market day
of the previous calendar quarter. Assets allocated to cash or a cash proxy, such as a money market
account, will typically be included in the calculation of net asset value unless otherwise agreed to
in writing by RPJ.

To determine the market value of equity securities in a client’s account(s) that are listed or traded on
a national securities exchange or quoted on the over-the-counter market, RPJ uses the closing price
of such securities as reported by the account’s custodian on the day of valuation, if available. Other
assets and securities for which market quotations are not readily available are valued at fair market
value as determined in good faith by RPJ. RPJ’s valuation policies are subject to change and available
upon request.

Once the quarterly fee is calculated, RPJ will instruct the client’s custodian to deduct the fee from
the client’s account and remit it to RPJ. To the extent that a client does not have enough cash in
the client’s account to cover the advisory fees, RPJ reserves the right to liquidate a portion of the
client’s portfolio to satisfy the remaining fee balance. In doing so, RPJ will not be required to
consult with the client prior to selling positions.

Clients are encouraged to verify the accuracy of the fee deducted by RPJ by reviewing statements
issued by the applicable custodian. Notwithstanding the foregoing, RPJ may bill clients by invoice
to be paid by check instead of deducting fees from the custodial account.

For fixed fee arrangements, fees will be due upon the client’s receipt of an invoice from RPJ, and
payment terms will depend on the nature of the engagement. In many cases, clients will be asked
to put forth a retainer at the onset of the engagement, which may equal up to 50% of the expected
final cost.

Third Party Managers

As discussed below under Methods of Analysis and Investment Strategies, certain clients may
engage third party investment managers to manage a portion of the client’s account(s) pursuant to
a separate investment management agreement among the client, RPJ and the other manager. Any
...

Item 7         Types of Clients

RPJ offers the services described above to individuals, families, high net worth individuals,
retirement and profit sharing plans, charitable organizations, and corporations and other business
entities. The minimum amount of assets for an Investment Management Services relationship is
$500,000, except for referrals from existing clients. This minimum may be waived by RPJ in its
discretion.