Sweeney & Michel LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Comprehensive Wealth Management:

Please see our Wrap Fee Program Brochure.
​
Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The
total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $250. Flat fees
range from $1,500 to $10,000. Our firm does not require a retainer. The fee will be directly billed to
the client and due within thirty (30) days of a financial plan being delivered or consultation
rendered. Our firm will not require a retainer or any prepayment exceeding $1200 when services
cannot be rendered within 6 (six) months.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on
the percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum
hourly fee to be charged will not exceed $250. Our flat fee will start at $1,500 depending on the size
of the plan and a higher fee will be assessed in the Retirement Plan Consulting Agreement. Fees
based on a percentage of managed Plan assets will not exceed 0.75%. The fee-paying arrangements
for Retirement Plan Consulting service will be determined on a case-by-case basis and will be
detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Our firm only offers wrap fee accounts to our clients, which are managed on an individualized basis
according to the client’s investment objectives, financial goals, risk tolerance, etc. Wrap clients will
not incur transaction costs for trades by their chosen custodian. Please see our Part 2A, Appendix 1
(the “Wrap Fee Program Brochure”) for more information. The fees not included in the advisory fee
for our wrap services are charges imposed directly by a mutual fund, index fund, or exchange traded
fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund
expenses), prime brokerage and trade-away costs charged by a custodial broker-dealer, mark-ups
and mark-downs, spreads paid to market makers, wire transfer fees and other fees and taxes on
brokerage accounts and securities transactions.

Please note that clients with accounts held at American Funds will be subject to their $10 annual
account custody fee.

A wrap fee is not based directly on the number of transactions in your account. Various factors
influence the relative cost of our wrap fee program to you, including the cost of our investment
advice, custody and brokerage services if you purchased them separately, the types of
investments held in your account, and the frequency, type and size of trades in your account.

                                    Date of Brochure: March 05, 2026

The program could cost you more or less than purchasing our investment advice and
custody/brokerage services separately.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Comprehensive Wealth
Management service in writing at any time. Upon notice of termination pro-rata advisory fees for
services rendered to the point of termination will be charged. If advisory fees cannot be deducted,
our firm will send an invoice for due advisory fees to the client.

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
performed by us up to the point of termination shall be calculated at the hourly fee currently in
effect. Clients will be charged on a pro-rata basis, which takes into account work completed by our
firm on behalf of the client. Clients will incur charges for bona fide advisory services rendered up to
the point of termination (determined as 30 days from receipt of said written notice) and such fees
will be due and payable.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
written notice to the other party. Full refunds will only be made in cases where cancellation occurs
within five (5) business days of signing an agreement. After five (5) business days from initial
signing, either party must provide the other party thirty (30) days written notice to terminate
billing. Billing will terminate 30 days after receipt of termination notice. Clients will be charged on a
pro-rata basis, which takes into account work completed by our firm on behalf of the client. Clients
will incur charges for bona fide advisory services rendered up to the point of termination
(determined as 30 days from receipt of said written notice) and such fees will be due and payable.

                                    Date of Brochure: March 05, 2026

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   ●​ Individuals and High Net Worth Individuals;
   ●​ Trusts, Estates or Charitable Organizations;
   ●​ Pension and Profit Sharing Plans;
   ●​ Corporations, Limited Liability Companies and/or Other Business Types

Our requirements for opening and maintaining accounts or otherwise engaging us:
   ●​ Written financial plans are generally assessed a minimum fee of $750.

There are no transaction based fees for any client that participates in our Wrap Fee Program.

                                  Date of Brochure: March 05, 2026