Valued Retirements Inc

Item 5. Fees and Compensation

CWM is a fee-only firm and receives no compensation for the sale of any product.

Financial Planning & Consulting Fees

CWM charges a fixed fee for providing financial planning and consulting services under a stand-alone, separate
contract. The fees, terms and conditions of financial planning services are set forth in the Advisory Agreement
and range from $5,000 to $10,000. Financial Planning fees are separate from other CWM services and are
negotiable depending upon the scope and complexity of the services and the professional rendering the financial
planning and/or the consulting services. The fee can be for a defined project, such as a comprehensive financial
plan, or for ongoing services. CWM reserves the right to waive all or part of the Financial Planning and Consulting
fees at its sole discretion. You may pay an initial Financial Planning fee in addition to the ongoing investment
management fee if you also engage us for Investment Management Services, or you may pay for a stand-alone
financial plan. CWM is under no obligation to offer a stand-alone financial plan prior to an investment
management engagement.

For project-based services, CWM requires one-half of the fee (estimated hourly or fixed) payable upon execution
of the Advisory Agreement. The outstanding balance is due upon delivery of the financial plan or completion of
the agreed-upon services.

                                       Disclosure Brochure

Investment Management Fees
The terms and conditions of Investment Management services are set forth in the Advisory Agreement with
CWM and will be customized per the individual Agreement with the client and calculated based on a percentage
of the value of assets under management. Investment Management services are charged separate from other
CWM services or per the signed Advisory Agreement. The standard CWM minimum annual Investment
Management fee is $5,000.

                Investment Assets Under Management                         Annual Rate
                The first $5 million                                          1.0%
                The next $5 million                                          0.80%
                The next $10 million                                         0.60%
                More than $20 million                                      Negotiated

This is a blended fee schedule, meaning different asset levels are assessed different fees, as shown above. Your
assets will be assessed a fee at each level, then those fees are combined for your overall fee. The annual fee is
prorated and charged quarterly, in arrears, based upon the market value of the assets as of the last business day
of the preceding calendar quarter. Fees are deducted from the accounts unless the clients have requested
separate billing. For the initial period of an engagement, the fee is prorated.

In the event the advisory agreement is terminated, the fee for the final billing period is prorated through the
effective date of the termination and the outstanding or unearned portion of the fee is charged or refunded to
the client, as appropriate.

The annual fee can 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.). The amount and method by which fees
are charged is established in each client’s written Agreement with CWM. While CWM’s planning and advisory
fees are negotiable, fee differences among clients are based on objective factors such as asset size, account
complexity, related household relationships, and the scope of services provided. Fee arrangements are
memorialized in each client’s written Advisory Agreement.

For asset management or advisory services that CWM provides with respect to certain client holdings (e.g., held-
away assets, accommodation accounts, alternative investments, etc.), CWM can negotiate a fee rate that differs
from the range set forth above. Clients are advised that a conflict of interest exists for CWM to recommend that
clients engage CWM for additional services for compensation, including rolling over retirement accounts or
moving other assets to CWM’s management.

CWM has a financial incentive to recommend that clients roll over retirement assets or move assets held away
to accounts managed by CWM because CWM earns advisory fees on assets under management. Clients are
under no obligation to roll over or transfer assets and may leave assets with their current custodian or adviser.

                                       Disclosure Brochure

Clients retain absolute discretion over the planning and financial decisions when engaging CWM and are under
no obligation to act upon any of the recommendations.

A portion of the revenue earned by CWM is intentionally used by partners and the team to create a positive
impact in our communities. We support many organizations with a particular focus on orphans and the
disadvantaged. We invite clients to join in generosity by recommending favorite charitable organizations.

Wealth Coordination Fees

Wealth Coordination fees are structured as a monthly flat fee charged in addition to investment management or
financial planning fees. The fees for Wealth Coordination range from $1,000 to $25,000 monthly based on
complexity/client needs, and they are typically billed quarterly or monthly, in arrears.

Clients engage and pay third-party professional collaborators directly for services rendered. We are only paid by
the client and do not ever pay or receive “referral payments” or other compensation from the collaborative
partners.

Additional Fees and Expenses

In addition to the advisory fees paid to CWM, clients also incur certain charges imposed by other third parties,
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Item 7. Types of Clients

CWM offers services to individuals, trusts, estates, charitable organizations, businesses, pension and profit-
sharing plans. Clients are often successful professionals and/or business owners who work to be financially
stable and strategic while making a positive impact on their families and communities.