Unique Wealth Strategies

Item 5 – Fees and Compensation
ASSET MANAGEMENT
UWS offers asset management services under the UWS Wrap Fee Program. Please see the
UWS Wrap Fee Program Brochure for details.

UWS typically charges an annual investment advisory fee based on a percentage of assets under
management (“AUM”). UWS offers multiple fee arrangements, including a tiered fee schedule that
may be made available to certain clients.

Under UWS’s standard tiered fee schedule, fees are assessed as follows:

      Assets Under Management                Annual Fee Rate
      $0 – $1,000,000                        1.00%
      $1,000,001 – $3,000,000                0.75%
      $3,000,001 – $5,000,000                0.50%
      Over $5,000,000                        0.35%

Fees under this schedule are calculated on a tiered basis, meaning that each portion of a client’s
assets is assessed at the corresponding rate for that tier.

The tiered fee schedule is not the only fee arrangement offered by UWS and may not be available
to all clients. UWS may offer alternative fee arrangements or legacy fee schedules, and clients
may be charged different fees for substantially similar services.

The annual fee may be negotiable 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 Clients, etc.).
As a result, similarly situated clients may pay different fees, and certain clients may receive more
favorable fee terms than others. Accounts within the same household may be combined for
purposes of determining fee breakpoints.

Fees are generally billed quarterly in advance based on the value of assets as calculated by the

custodian on the last business day of the preceding billing period. Clients should refer to their
investment advisory agreement for specific billing terms.
WRAP FEE PROGRAM:
   •   The benefits under a wrap fee program depend, in part, upon the size of the account, the
       costs associated with managing the account, and the frequency or type of securities
       transactions executed in the account.
   •   For example, a wrap fee program may not be suitable for all accounts, including but not
       limited to accounts holding primarily, and for any substantial period of time, cash or cash
       equivalent investments, fixed income securities or no-transaction-fee mutual funds, or any
       other type of security that can be traded without commissions or other transaction fees.
   •   In order to evaluate whether a wrap (or bundled) fee arrangement is appropriate for you,
       you should compare the agreed-upon Wrap Program Fee and any other costs associated
       with participating in our Wrap Fee Program with the amounts that would be charged by
       other advisers, broker-dealers, and custodians, for advisory fees, brokerage and
       execution costs, and custodial services comparable to those provided under the Wrap Fee
       Program.
Conflict of Interest. When managing a client's account on a wrap fee basis, we receive as
compensation for our investment advisory services, the balance of the total wrap fee you pay after
custodial, trading, and other management costs (including execution and transaction fees) have
been deducted. Accordingly, we have a conflict of interest because we have a financial incentive
to maximize our compensation by seeking to reduce or minimize the total costs incurred in your
account(s) subject to a wrap fee.
   •   For example, our wrap fee arrangement creates incentives for our advisors to trade less
       frequently or select investments that reduce our costs, and in some cases increase
       expenses that are borne by the client.

UWS uses two primary custodians, Axos Clearing, LLC, (“Axos”) and Charles Schwab & Co., Inc.
(“Schwab”). Investment management fees of UWS are charged equally regardless of which
custodian is used. Other fees charged by each custodian are either equal or not materially
different from one another.

Schwab, Axos, and other custodians have eliminated transaction fees for online trades of U.S.
equities, ETFs, and options (subject to $0.65 per contract fee). This means that, in most cases,
when we buy and sell these types of securities, we will not have to pay any commissions to
Schwab or Axos. We encourage you to review Schwab’s pricing to compare the total costs of
entering into a wrap fee arrangement versus a non-wrap fee arrangement. If you choose to enter
into a wrap fee arrangement, your total cost to invest could exceed the cost of paying for
brokerage or advisory services separately. To see what you pay for transactions in a non-wrap
account, please refer to Schwab’s most recent pricing schedules.

We are available to discuss execution-related pricing with you so that you can compare the total
costs of entering into a wrap fee arrangement versus a non-wrap fee arrangement. If you choose
to enter into a wrap fee arrangement, your total cost to invest could exceed the cost of paying for
brokerage and advisory services separately.

ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and shall not exceed 1%.
Fees may be charged quarterly or monthly in arrears or in advance based on the assets as
calculated by the custodian or record keeper of the Included Assets (without adjustments for

anticipated withdrawals by Plan participants or other anticipated or scheduled transfers or
distribution of assets) on the last business day of the previous quarter.

The fee schedule, which includes compensation of UWS for the services is described in detail in
the ERISA Plan Agreement. The Plan is obligated to pay the fees; however, the Plan Sponsor
may elect to pay the fees. Clients may elect to be billed directly or have fees deducted from Plan
Assets. UWS does not reasonably expect to receive any additional compensation, directly or
...

Item 7 – Types of Clients & Account Minimums
UWS’s Clients are generally individuals, small businesses, trusts, estates, high net-worth
individuals, and charities. Client relationships vary in scope and length of service.

There is no minimum account size and Clients are not required to have a certain amount of
investment experience or sophistication.