Structured Wealth Management Inc

Item 5 – Fees and Compensation
Fees are calculated daily and billed quarterly in arrears based on the traditional tiered schedule
below. If a client terminates the firm’s services, they will be charged for the number of days
they maintained assets under the firm’s management. The fee charged is calculated as described
below and is not charged a share of capital gains upon or capital appreciation of the funds. These
fees are based upon a percentage of the total assets under management, including money market
balances. All securities and their values are determined by each mutual fund company and/or
their designee unless otherwise noted. Our fee calculations are derived from these valuations.

     Assets Under Management              Annual Percentage (fee charged)
       $0 - $250,000                                 1.50%
       Next $250,000-$500,000                        1.25%
       Next $500,000-$1,000,000                      1.10%
       Next $1,000,000-$2,000,000                    1.00%
       Next $2,000,000-$5,000,000                    .80%
       Above $5,000,000                              .60%

In lieu of an asset based quarterly fee, advisers may also receive upfront and/or deferred ongoing
compensation from insurance companies. Commission based compensation most commonly
occurs when the adviser and client agree to utilize an investment product, such as insurance, that
is not normally delivered in a fee-based environment.
With the client’s consent, Structured Wealth Management does at times hire separate account
managers to manage niche strategies for clients. These accounts may pay the quarterly fee either
upfront or arrears based upon the separate account manager’s preference.
Other Fees
All fees paid to Structured Wealth Management for investment advisory services are separate
and distinct from the fees and expenses charged by mutual funds or other managed products to
their shareholders. These fees and expenses are described in each fund’s prospectus. These fees
will generally include a management fee, other fund expenses, and a possible distribution fee. If
the fund also imposes sales charges, a client may pay an initial or deferred sales charge.
Clients may also be subject to other fees associated with their investment activities with
Structured Wealth Management. These fees may include custody or annual account fee charged
by a custodian. Clients may also be subject to the cost of making securities transactions that are
charged by the custodian. Structured Wealth Management does not share in any of these other
fees.

Termination of Advisory Relationship
A client agreement may be canceled at any time, by either party, for any reason upon receipt of
written notice. Upon termination the client will be charged for the number of days that the firm
has maintained the assets under management since the previous billing period. The client has the
right to terminate an agreement without penalty within five business days after entering into an
advisory agreement.

Item 7 – Types of Clients
Individuals, trusts, corporations, and business entities. Minimum account size: $250,000.
Item 8 – Risk of Loss
Investment strategies are developed for each client based on their unique goals and tolerance for
risk. Structured Wealth primarily uses managed models the advisers feel is appropriate for each
individual client.
Risk of Loss
Investing in securities involves a certain risk of loss that clients should be prepared to bear.
Questions regarding these risks and/or increased cost may be directed to the firm and its
representatives. Mutual funds, exchange traded funds (ETF), and other structured products are
available through Structured Wealth Management. Please read each prospectus for detailed
information about the costs and risks involved with each investment.
Principal Risks
Clients may lose money by investing. The likelihood of loss may be greater if clients invest for
short periods of time. Investors should have a long-term perspective and be able to tolerate
potentially sharp declines in value.
Market Conditions
Security prices may decline - sometimes rapidly or unpredictably - due to various factors,
including events or conditions affecting the general economy; overall market changes; local,
regional or global political, social or economic instability; governmental responses to economic
conditions; and currency, interest rate and commodity price fluctuations.
Investing outside the United States
Securities of issuers domiciled outside the U.S. or with significant operations outside the U.S.,
may lose value because of adverse political, social, economic or market developments in the
countries or regions in which the issuers operate. These securities may also lose value due to
changes in foreign currency exchange rates against the U.S. dollar. Securities markets in certain
countries may be more volatile and/or less liquid than those in the U.S.
Guarantees
Unless otherwise stated or through contract, client accounts are not a bank deposit and are not
guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency,
entity or person.

Impact of Tariffs on Investments Risk
Investing in markets affected by tariff policies carries significant risks that may negatively
impact the value of investments. The U.S. President has the authority to impose, increase, or
modify tariffs on imports and exports, which can lead to higher costs for businesses, supply
chain disruptions, and retaliatory trade measures from other countries. Tariffs may cause:
• Increased costs for companies reliant on imported goods, potentially reducing profitability.
• Market volatility as investors react to trade uncertainties.
• Reduced global trade activity, impacting economic growth and corporate earnings.
• Sector-specific disruptions, particularly in industries heavily dependent on international supply
chains (e.g., technology, manufacturing, agriculture). There is no certainty regarding the
duration, scope, or future changes to tariff policies, which may create an unpredictable
investment environment. Investors should consider the potential impact of tariffs on specific
industries and the broader economy when making investment decisions.