Stewart Wealth Management Inc

Item 5 Fees and Compensation
INVESTMENT ADVISORY FEES

A. Advisory Fees and Compensation
We base our fees on a percentage of assets under management.

We, in our sole discretion, may waive our minimum fee and/or charge a lesser investment
advisory fee based upon certain criteria (e.g., historical relationship, type of assets, anticipated
future earning capacity, anticipated future additional assets, dollar amounts of assets to be
managed, related accounts, account composition, negotiations with you, etc.).

 Assets Under Management                            Annual Fee %
 $100,000 to $250,000                               1.00%
 $250,001 to $1,000,000                             0.90%
 $1,000,001 to $2,000,000                           0.80%
 $2,000,001 to $4,000,000                           0.75%
 Over $4,000,001                                    Negotiable

The minimum account size is $250,000 and the minimum annual fee is $1,000.

Billing amounts are based upon the value (market value or fair market value in the absence of
market value) of the client's account(s) (including both securities and cash) at the end of the
previous quarter (or, for new clients, upon a date agreed to by us and you). Valuations are derived
from recognized and independent pricing sources, such as Charles Schwab & Co. Institutional.

B. How Fees Are Paid
Investment management fees are billed quarterly, in advance, meaning that we invoice you before
the three-month billing period has begun. Payment in full is expected upon invoice presentation.
Fees are usually deducted from an account designated by you to facilitate billing. Unless otherwise
noted in writing, our firm bills on cash. You must consent in advance to direct debiting of your
investment account.

We will send a statement to you showing the amount of the fee, the value of your assets upon
which the fee was based, and the specific manner in which the fee was calculated, (b) disclose to
you that it is your responsibility to verify the accuracy of the fee calculation and that the custodian
will not determine whether the fee is properly calculated, and (c) send a bill to the custodian
indicating only the amount of the fee to be paid by the custodian.

C. Other Fees and Expenses
The foregoing describes SWM’s basic fee schedule; however, fees may be negotiable in certain
limited circumstances and arrangements with any particular client may vary. We believe that the
charges and fees offered are competitive with alternative programs available through other firms
offering a similar range of services; however, lower fees for comparable services may be

Stewart Wealth Management, Inc. Form ADV, Part 2A & B                           Page 8 of 39
March 12, 2026

available from other sources.

All fees paid to us for investment advisory and financial planning services are separate and distinct
from the fees and expenses charged by mutual funds to their shareholders. Mutual fund expenses
are generally described in each fund's prospectus. These expenses will generally include a
management fee, other fund expenses, and possibly a distribution fee. In addition, mutual funds
incur transaction cost and opportunity cost, which are not disclosed in the fund’s prospectus or
Statement of Additional Information, but which may be estimated.

You will incur transaction fees or commissions in connection with trading of mutual fund, ETF,
individual stock and bonds (and/or principal mark-ups and mark-downs for principal trades),
which are charged by the custodian (brokerage firm holding safekeeping of your assets for
safekeeping). Mutual fund transaction fees charged by our recommended custodian, Charles
Schwab & Co. Institutional, generally vary from $24 to $50 for each purchase and sale transaction.
The transaction cost for stock and bond trades vary. Accordingly, the client should review both the
fees charged by the funds (including transaction and opportunity cost within funds which are not
included in a fund’s annual expense ratio), the transaction fees charged by the custodian, as well
as the fees charged by us, to fully understand the total amount of fees and cost paid by you, in
connection with any recommended transaction. For a discussion of our practice in recommending
brokers (custodians) to you and negotiating brokerage fees on your behalf, please see Item 12.

You may also incur “account termination fees” upon the transfer of an account from one brokerage
firm (custodian) to another. The range for these account termination fees is believed to range
generally from $0 to $200 at present, but at times may be much higher. You should contact your
custodians (brokerage firms, bank or trust company, etc.) to determine the amount of account
termination fees which may be charged and deducted from your accounts for any existing accounts
which may be transferred.

D. Prepayment of Fees
Our fees are billed quarterly, in advance, meaning that we invoice you before the three-month
billing period has begun.

You may cancel a new advisory agreement without penalty by providing written notice of such
cancellation to us within five (5) business days of the date of signing the agreement. Thereafter,
either party may terminate the agreement without penalty upon notice in writing to the other party.
Upon termination of any account, any prepaid, unearned fees will be promptly refunded, with the
refund calculations based pro rata to the date of termination. Termination of an agreement will not
affect: (a) the validity of any action previously taken by us under the agreement; liabilities or
obligations of the parties from transactions initiated before termination of the agreement; or your
obligation to pay advisor fees (prorated through the date of termination). Upon the termination of
the agreement, we will not possess any obligation to recommend or take any action with regard to
the securities, cash, or other investments in your account.
...

Item 7 Types of Clients
We provide investment advice primarily to individuals and their families, including high net worth
individuals and trusts. We require that prospective clients have a minimum of $100,000 in
investment assets exclusive of residence and personal property and the minimum annual fee is
$1,000 (which may be waived at our discretion).

We also may provide investment advice to pension and profit sharing plans and plan participants
as well as foundations and other institutions, and to business entities.

Stewart Wealth Management, Inc. Form ADV, Part 2A & B                       Page 13 of 39
March 12, 2026