We Financial Group LLC

Item 5 Fees and Compensation

Method of Compensation and Fee Schedule and Client Payment of Fees

Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing
the investment advisory contract, the investment advisory contract may be terminated by the client
within five (5) business days of signing the contract without incurring any advisory fees (without penalty).
How we are paid depends on the type of advisory service we are performing. Please review the fee and
compensation information below.

Investment Management Services

Our standard advisory fee is based on the market value of the assets under management and is calculated
as follows:

$5,000 + 0.7% of the AUM with a maximum of 2%.

The annual fee of $5,000 + 0.7% is prorated and paid in arrears on a quarterly basis. The advisory fee is
a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as
shown in the above chart and applying the fee to the account value based on the average daily balance
of the account during the previous quarter. No increase in the annual fee shall be effective without
agreement from the client by signing a new agreement or amendment to their current advisory
agreement. Clients with multiple accounts will automatically be combined and billed as a household to
receive a lower tiered fee schedule. We Financial Group and its third party may recommend stocks,
bonds, mutual funds or Exchange traded funds. Unmanaged or static client assets will not be included in
the Adviser’s management fee calculation. For partial billing periods the fee will be prorated based upon
the number of days the account was open during the billing period. All advisory fees are negotiable.
Lower fees for comparable services may be available from other sources.

Advisory fees are directly debited from client accounts, or the client may choose to pay by electronic
transfer. For fees paid by electronic funds transfer, we use an independent 3rd party payment processor
in which the client can securely input their banking information and pay their fee. We do not have access
to the client’s banking information at any time. The client will use their own secure portal in order to
make payments. Accounts initiated or terminated during a calendar quarter will be charged a prorated
fee based on the amount of time remaining in the billing period. An account may be terminated with
written notice at least 30 calendar days in advance. Should the client terminate the relationship with the
Adviser before We Financial Group completes the client’s written financial plan or analysis, We Financial
Group will deliver completed portions of any documents to the client. Since fees are paid in arrears, no
rebate will be needed upon termination of the account.

Note: For clients invested in ultra short-term bonds or equivalent, instead of being charged the
investment management fee listed above, there is a fixed fee of 0.50% applied to the account. The assets
will be segregated into a separate account for the purposes of fee administration. Please see Item 8
below for risks associated with this security. Clients engaged in CitizenMint’s services will be charged an
additional flat fee of $400.

Clients engaging in SyntheticFi’s box spread loan are charged an additional fee of 0.2%. Total client fees
will not exceed 3% of assets under management when a third-party investment adviser is used.

Estate Planning (EncorEstate Plans)

The fees for estate planning will be determined based on the complexity of the planning services
needed.

Trust-based Plan: $1,990 (Deeds transfer may have additional fees).

The fees may be negotiable in certain cases, will be agreed to at the start of the engagement, and are
due at when the questionnaire is sent to the lawyers. We Financial Group will not bill an amount
above $500.00 more than 6 months or more in advance. This service may be terminated with 30
days’ notice. Upon termination of any agreement, the fee will be prorated and any unearned fee will
be refunded to the Client. Clients are not required to utilize any third-party products or services that
we may recommend, and they can receive similar services from other professionals at a similar or
lower cost.

Financial Planning (Hourly) - We Plan

Financial Planning will generally be offered on an hourly basis, at a fee up to $400 per hour paid in
arrears. At the conclusion of each hour working, an invoice is generated and provided to the client.
We Financial Group will not bill an amount above $500.00 more than 6 months or more in advance.
Fees for this service may be paid by electronic funds transfer. Fees for this service are negotiable.
Hourly fees are directly debited from client accounts, or the client may choose to pay by electronic
transfer. For fees paid by electronic funds transfer, we use an independent 3rd party payment
processor in which the client can securely input their banking information and pay their fee. We do
not have access to the client’s banking information at any time. The client will use their own secure
portal in order to make payments. Fees will be paid through “one- time payment” requests for each
billing period.

This service may be terminated with 30 days’ notice. Should the client terminate the engagement with
We Financial Group prior to the completion of the client’s written financial plan, the portion of the plan
that has been completed will be delivered to the client and no additional fees will be charged. Clients
that receive investment management services will receive financial planning at no additional cost.
Lower fees for comparable services may be available from other sources.

Educational Workshops

While certain webinar may be complimentary, workshop attendees may be assessed a fee ranging
from $50 to $50,000. Frequently these sessions will be paid by an event sponsor, such as an employer
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Item 7 Types of Clients and Minimum Account Size

We Financial Group services individuals and high net worth individuals.

We Financial Group does not require a minimum account size. Exceptions can be made on a case-by-case basis.