Sterling Wealth Management Inc

Item 5 Fees and Compensation
Fees for "Wealth Management Services" and "Asset Management Services" are computed at an
annualized percentage of assets under management on a sliding scale. Our typical fee schedule is set
forth below:
                Assets Under                     Annual Advisory Fee
                Management                       as % of Client's Assets
                0 - 1,000,000                       1.00%
                1,000,000.01 - 5,000,000            0.75%
                5,000,000.01 +                      0.50%

Fees for "Financial Consulting" are computed at either an hourly rate or flat fee based on the hourly
rate. Various rates apply as determined by the person performing the service as follows: $250/hour for
a Certified Financial Planner professional.

General Fee Information

These fees are for Sterling's advisory services only and do not include any transaction fees or
brokerage commissions, which may be charged separately by the custodial firm. See Item 12 –
Brokerage Practices for more information. In connection with asset management services, clients may
be advised to invest in no-load mutual funds. When investing in mutual funds or ETFs, clients pay two
levels of fees – the advisory fee payable to Sterling and the fee paid to the fund manager(s). In other
words, all fees paid to Sterling are separate and distinct from the fees and expenses charged by
mutual funds and ETFs, which expenses are described in each fund's prospectus.

For "Wealth Management Services" and "Asset Management Services", the fee will be payable
quarterly in arrears. Payment of fees may be paid direct by the client, or client may authorize the
custodian holding client funds and securities to deduct Sterling's advisory fees direct from the client
account in accordance with statements prepared and submitted to the custodian by Sterling. The
custodian will provide periodic account statements to the client. Such statements will reflect all fee
withdrawals by Sterling. It is the client's responsibility to verify the accuracy of the fee calculation. The
custodian will not determine whether the fee is properly calculated.

Although Sterling has established the above fee schedule, Sterling retains the discretion to negotiate
alternative fees on a client-by-client basis based on, among other things, the dollar amount of assets
places under management and the complexity and scope of financial planning and/or consulting
services to be provided. Typically, the fee will range between 0.50% and 1.00% annually based on
assets under management based on the fee schedule noted above. Sterling may, in its discretion,
make exceptions to the fee schedule and waive fees in whole or in part in certain circumstances.

Termination of the Advisory Relationship for All Clients, Wealth Management Services, Asset
Management Services, and Financial Consulting

In Illinois, unless a client has received Sterling's Form ADV Part 2 disclosure brochure at least 48
hours prior to signing the investment advisory agreement (the "Advisory Agreement"), the client may
terminate the Advisory Agreement within five (5) business days of signing such agreement without
incurring any advisory fees.

For "Wealth Management Services" and "Asset Management Services", services will continue until
either party terminates the Agreement on 30 days written notice. For "Financial Consulting", services
will continue until either party terminates the Agreement on 30 days written notice or automatically after
the project is completed.

If termination occurs prior to the end of a calendar quarter, the client will be invoiced for fees due on a
pro-rata basis. The Advisory Agreement contains a pre-dispute arbitration clause. Arbitration is final
and binding on the parties.

Item 7 Types of Clients and Account Minimums
Sterling provides advisory services to individuals, families, trusts, estates, charitable organizations,
business entities, and pension and profit-sharing plans and other ERISA accounts.

Sterling has no minimum annual fee. Generally, the minimum account size is $1,000,000. Sterling, in
its sole discretion, may require a lesser account minimum and/or reduce its advisory fee based upon
certain criteria (i.e., anticipated future additional assets, dollar amount of assets to be managed,
related accounts, account composition, negotiations with client, etc.).