Waterway Wealth Management LLC

FEES AND COMPENSATION (ITEM 5)

 Financial Planning Services Fees

 We charge financial planning fees as follows, subject to negotiation depending on the nature,
 complexity and time involved in providing the client with requested services:
    Fixed Fees
    We will charge a fixed fee, which typically ranges between $4,000 and $10,000 for
    comprehensive financial planning services. This fee may be negotiated, is determined at the
    onset of the engagement, and depends upon the complexity of the client’s needs and the
    scope of the financial planning services required to meet those needs. This fee is charged
    one-half up front and one-half upon completion of the plan, with plans generally being
    completed within 90 days. In limited circumstances, the total cost could potentially exceed
    this fixed amount, which is directly dependent upon the complexity of the contracted service.
    In such cases, we will notify the client and may request that the client pay an additional fee.
    Hourly Fees
    In circumstances where discrete financial planning advice is needed, we occasionally will
    charge an hourly consultation fee, which ranges between $100 and $300, depending on the
    nature of the contracted services. These consultation fees are due immediately upon
    completion of the consultation.

 ERISA Plan Services Fees

 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

                                                              Part 2A of Form ADV: Firm Brochure
                                                             Waterway Wealth Management, L.L.C.
                                                                                      March 2026

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 WWM 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. WWM does not reasonably expect to receive any additional compensation, directly
or indirectly, for its services. If additional compensation is received, WWM will disclose this
compensation, the services rendered, and the payer of compensation.

Investment Advisory Services/Wrap Program Fees

Clients in the Program pay a tiered calculation fee for participation in the Program (the “Program
Fee”) as shown in the table below. The Program Fee is negotiable and may be adjusted by
WWM based on the complexity of each client’s individual situation at the sole discretion of
WWM and will be shown on the client’s Agreement. Accounts owned by members of the same
relationship. are aggregated in order to obtain the tiered fee rate to all accounts in that
relationship. Fees are deducted from each member’s account on a pro rata basis and clients
may direct us to deduct fees from a different account. The firm does not discriminate on the
level of service it provides to clients based on the fees it receives. WWM’s tiered fee structure
for new clients follows:

     Assets Under Management                        Graduated   Tiered     Annual     Wrap
                                                    Program Fee
     $0- $3,000,000                                 1.00%
     The next $3,000,001 to $5,000,000              0.90%
     The next $5,000,001 to $10,000,000             0.80%

For example, relationship assets totaling $4 million would be charged an annual fee of 1%, or
$30,000 on the first $3 million and 0.90% or $9,000 on the next $1 million to determine the total
annual fee. We bill quarterly in advance at the rate of one fourth of the blended fee shown
above, with the value of the account based on the aggregate value of all accounts belonging to
a relationship Fees charged to each account for the next quarter are calculated based on the
portfolio valuation, including cash, and accrued interest, as of the close of market on the last
business day of the previous quarter. Additional deposits and withdrawals of funds and/or
securities to the Program may be made to the account at any time, and do not result in fee
adjustments retroactively. Program Fees are calculated pro rata for partial billing periods (for
new or closed accounts) based upon the initial (or ending) value of the assets in the account and
the number of days those assets were under management over the actual number of days in
the quarter. All investment management fee calculations are computed by Black Diamond, our
portfolio management software, which receives a daily valuation of securities from the account
custodian or an independent pricing service.

For clients with aggregate household assets exceeding $10,000,000 under management,
advisory fees are negotiable and will be determined based on the scope of services provided,
overall complexity, asset composition, and the level of planning and oversight required. Fees
may be structured as a graduated tiered schedule or a flat fee arrangement, at the discretion of
the Firm and as mutually agreed upon with the client.

                                                                Part 2A of Form ADV: Firm Brochure
                                                               Waterway Wealth Management, L.L.C.
                                                                                        March 2026

  Assets Under Management                            Fee Schedule
  Assets over $10,000,000                            Negotiable

We use a third-party platform to facilitate the management of held-away assets such as defined
...

TYPES OF CLIENTS (ITEM 7)

 We provide investment advisory services to:
    •   Individuals
    •   High net worth individuals
    •   Pension and profit-sharing plans
    •   Trusts and estates

 For the Wrap Program, we prefer an initial minimum investment amount, generally aggregating
 all accounts belonging to a set of family members, of $3,000,000. We reserve the right to waive
 or lower this minimum.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS (ITEM 8)

 We do not invest for clients in our financial planning role. Please see our Wrap Brochure for
 particulars about our investment advisory services.

 The financial planning process involves the collection, organization, and assessment of all
 relevant client data, as well as identification of the client’s financial concerns, goals, and
 objectives. The primary objective of this process is to allow us to assist the client in developing
 a strategy for the successful management of income, assets, and liabilities in meeting the client’s
 long-term financial goals and objectives.

 Financial plans are based on the client’s financial situation at the time the plan is presented and
 are based on financial information disclosed by the client. We cannot offer any guarantees or
 promises that the client’s financial goals and objectives will be met. As the client’s financial
 situation, goals, objectives or needs change, the client must notify us promptly.

 Clients are advised that financial plans do not guarantee investment results. Investment
 assumptions included in a financial plan are not guaranteed and should be monitored based on
 each client’s individual risk tolerance, time horizon and portfolio allocation.

 Cybersecurity Risk: WWM and its service providers may be subject to operational and
 information security risks resulting from cyberattacks. Cyberattacks include, among other

                                                                    Part 2A of Form ADV: Firm Brochure
                                                                   Waterway Wealth Management, L.L.C.
                                                                                            March 2026

 behaviors, stealing or corrupting data maintained online or digitally, denial of service attacks on
 websites, the unauthorized release of confidential information or various other forms of
 cybersecurity breaches. Cybersecurity attacks affecting WWM and its service providers may
 adversely impact Clients. For instance, cyberattacks may interfere with the processing of
 transactions, cause the release of private information about Clients, impede trading, subject
 WWM to regulatory fines or financial losses, and cause reputational damage. Similar types of
 cybersecurity risks are also present for issuers of securities in which Clients may invest in,
 qualified custodians, governmental and other regulatory authorities, exchange and other
 financial market operators, or other financial institutions. Cybersecurity incidents that could
 ultimately cause them to incur losses, including for example: financial losses, cost and
 reputational damages, and loss from damage or interruption of systems. Although WWM has
 established its systems to reduce the risk of these incidents from coming to fruition, there is no
 guarantee that these efforts will always be successful, especially considering that WWM does
 not directly control the cybersecurity measures and policies employed by third party service
 providers.