Wager Wealth Management and Financial Planning LLC

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
WWM charges a fee as compensation for providing Investment Management services on
your account. These services include advisory and comprehensive planning services, trade
entry, investment supervision, and other account-maintenance activities. Our custodian
may charge transaction costs, custodial fees, redemption fees, retirement plan and
administrative fees or commissions. See Additional Fees and Expenses below for
additional details.

The fees for portfolio management are based on an annual percentage of assets under
management. The fees are applied to the account asset value on a pro-rata basis and
billed quarterly in arrears. The initial fee will be based upon the value of the assets on
the date the account is accepted for management by execution of the advisory agreement
by WWM or when the assets are transferred through the last day of the current quarter.
Thereafter, the quarterly fee will be calculated on last day of the calendar quarter. The
market value will be determined as reported by the Custodian. Fees are assessed on all
assets under management, including securities, cash and money market balances.

       Wager Wealth Management and Financial Planning, LLC - 4204 Redmond Dr., Longmont, CO 80503
                                FORM ADV 2A Brochure February 2026

Our annual advisory fee is a percentage of assets under management based on the fee
schedule below:
              0.90% on assets of less than $300,000;
              0.80% on assets up to $600,000;
              0.70% on assets up to $1,000,000;
              0.60% on assets $1,000,001 to $2,000,000; and
              0.50% on assets above $2,000,000.

The minimum annual fee is $1,000 and is negotiable. Current client relationships may
exist where the fees are lower than the fee schedule above.

The specific advisory fees are set forth in your Client Engagement Agreement. Fees may
vary based on the size of the account, complexity of the portfolio, extent of activity in the
account or other reasons agreed upon by us and you as the client. In some cases,
additional deposits and withdrawals will be added or subtracted from portfolio assets, as
the case may be, which may lead to an adjustment of the account fee. In certain
circumstances, our fees and the timing of the fee payments may be negotiated. Our
employees and their family related accounts are charged a reduced fee for our services.

At our discretion, we will aggregate asset amounts in accounts from your same household
together to determine the advisory fee for all your accounts. We may do this, for
example, where we also service accounts on behalf of your minor children, individual and
joint accounts for a spouse, and/or other types of related accounts. This consolidation
practice is designed to allow you the benefit of an increased asset total, which could
potentially cause your account(s) to be assessed a lower advisory fee.

The independent qualified custodian holding your funds and securities will debit your
account directly for the advisory fee and pay that fee to us. You will provide written
authorization permitting the fees to be paid directly from your account held by the
qualified custodian. Further, the qualified custodian agrees to deliver an account
statement at least quarterly directly to you indicating all the amounts deducted from the
account including our advisory fees. At our discretion, you may pay the advisory fees by
check. You are encouraged to review your account statements for accuracy.

Either WWM or you may terminate the management agreement immediately upon
written notice to the other party. The management fee will be pro-rated to the date of
termination, for the month in which the cancellation notice was given and billed to your
account. Upon termination, you are responsible for monitoring the securities in your
account, and we will have no further obligation to act or advise with respect to those
assets. In the event of client’s death or disability, WWM will continue management of the

       Wager Wealth Management and Financial Planning, LLC - 4204 Redmond Dr., Longmont, CO 80503
                                FORM ADV 2A Brochure February 2026

account until we are notified of client’s death or disability and given alternative
instructions by an authorized party.

Fees for financial planning services are included in the investment management fees
described above.

We will not require prepayment of more than $1200 in fees per client, six (6) or more
months in advance of providing any services.

Consulting
WWM provides consulting services for clients who need advice on a limited scope of
work. WWM will negotiate consulting fees with you. Fees may vary based on the extent
and complexity of the consulting project. Fees are negotiated and you will be billed as
services are rendered. Our maximum hourly fee is $300/hour.

Either party may terminate the agreement. Upon termination, fees will be prorated to
the date of termination and any unearned portion of the fee will be refunded to you as
described above.

Additional Fees and Expenses:
In addition to the advisory fees paid to WWM, clients may also incur certain charges
imposed by other third parties, such as broker-dealers, custodians, trust companies,
banks and other financial institutions (collectively “Financial Institutions”). These
additional charges may include securities brokerage commissions, transaction fees,
custodial fees, fees charged by the Independent Managers, margin costs, charges
imposed directly by a mutual fund or ETF in a client’s account, as disclosed in the fund’s
prospectus (e.g., fund management fees and other fund expenses), deferred sales
charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and
other fees and taxes on brokerage accounts and securities transactions. WWM’s
brokerage practices are described at length in Item 12, below.

ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals, high-net-worth individuals, institutions,
trusts and estates. We have no minimum initial account value.

       Wager Wealth Management and Financial Planning, LLC - 4204 Redmond Dr., Longmont, CO 80503
                                FORM ADV 2A Brochure February 2026