Stillwater Private Wealth LLC

Item 5—Fees and Compensation
The fee for Wealth Management is based on the amount of assets under management (“AUM”), as deter-
mined by the independent qualified custodian. Clients engage Stillwater for Wealth Management by signing
an advisory agreement (“Agreement”) that outlines our services, as well as a description of the fees charged
(“Advisory Fees”). Advisory Fees will be charged monthly and in arrears, based on the average daily value of
the AUM at the end of the month. Accounts opened under the Agreement will be aggregated together for de-
termining AUM during the billing process, which may provide the client a lower Advisory Fee rate.

Our standard Advisory Fee schedule for Individual Accounts is as follows:

                                Assets Under Management           Advisory Fee
                                      $0 to $500,000                  1.10%
                                  $500,000 to $2,500,000              1.00%
                                 $2,500,000 to $5,000,000             0.90%
                                 $5,000,000 to $7,500,000             0.80%
                                 $7,500,000 to $10,000,000            0.70%
                                     Over $10,000,000                 0.65%

Our Advisory Fee is charged on a breakpoint, meaning all AUM is billed at the rate that correlates to the high-
est level of AUM. Advisory Fees we charge are separate and distinct from the fees and expenses charged by
investments like mutual funds and exchange traded funds (ETFs). In these cases, the fees and expenses are
described in each fund's prospectus or available through common financial websites. These fees will general-
ly include a management fee, other fund expenses, and a possible distribution fee. It’s important to know that
if a Program or Independent Manager is used, the fees charged by them will be separate and in addition to
our Advisory Fee.
Fees for Financial Consulting (“Consulting Fees”) are based on the arrangement and can will be fixed as de-
tailed in the Financial Consulting Agreement (“Consulting Agreement”). The Consulting Fees will not exceed
$50,000 per engagement. Consulting Fees are due upon engagement or charged monthly in advance as not-
ed in the Consulting Agreement. Financial Consulting fees can be paid by check, third-party payment pro-
grams, ACH or through any taxable account under a Wealth Management Advisory Agreement (if authorized
by the client).
Fees for Retirement Plan Advisory Services range from 0% to 1.5% and are fully described in the Retirement
Plan Services Agreement the client signs to engage us. Retirement Plan Advisory Fees are paid by the cus-
todian, record-keeper or trustee as authorized by the client in our Retirement Plan Advisory Agreement. The
fee is typically charged quarterly and will be either in advance or arrears.
In addition to our Advisor Fee, clients are also responsible for the transaction charges, fees and other ex-
penses charged and imposed by the firm (“Custodian”) who holds the client assets. Advisory Fees may be
negotiated or on a lower fee schedule than noted above and will be fully disclosed on the Agreement. Clients
provide us authorization to electronically debit our fees in the Agreement and custodial paperwork. Clients
can cancel the Agreement for Investment Management without any charges and penalties within 5 business
days after contract execution.
In the event a client terminates our services Advisory Fees and Consulting Fees will be charged until the no-
tice of termination is provided by the client. If terminated, we will rebate the unused portion of the Advisory
Fee or Consulting Fee. Advisory Fees are electronically debited from client accounts. The value used to cal-
culate the Advisory Fee will include all positions in the account, cash, dividends, accrued interest and interest
payments unless specifically excluded in the Special Instructions section of the Agreement.
If Alternative Investments are utilized, the value used for the fee calculation will be either the value of the orig-
inal investment, the value as reported by the issuer or as provided by third-party valuation pricing services. It
is important to know that the billing value of the Alternative Investment may be different from the liquidation
value of the investment.
Some Representatives my be licensed to sell insurance products. This can create a conflict to obtain a com-
mission that Client should understand. We hold to our fiduciary responsibility to provide recommendations in
the best interest of the Client. If Clients elect to act on any of the recommendations, the Client is under no ob-
ligation to effect the transactions through us.

Item 7—Types of Clients
We provide services to individuals, trusts, estates, charitable organizations (non-profits), corporations, associ-
ations and other business entities (such as limited liability companies, networks or limited partnerships).