Whalen Wealth Management Inc

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management           Annual Fees
        $0 - $2,000,000                         1.20%

        $2,000,001 - $5,000,000                 1.00%

        $5,000,001 - $10,000,000                0.5%

        $10,000,001 – And Up                    0.35%

Whalen Financial uses an average of the daily balance in the client's account throughout
the billing period, after taking into account deposits and withdrawals, for purposes of
determining the market value of the assets upon which the advisory fee is based.

The final fee schedule will be memorialized in the client’s advisory agreement. Clients
may terminate the agreement without penalty for a full refund of Whalen Financial's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the Investment Advisory Contract immediately upon written notice.

Selection of Other Advisers Fees

Whalen Financial will receive its standard fee on top of the fee paid to the third party
adviser. This relationship will be memorialized in each contract between Whalen
Financial and each third-party adviser. The fees will not exceed any limit imposed by any
regulatory agency.

Whalen Financial may engage in the selection of third-party money managers, but does
not have any such arrangements in place at this time. This service may be canceled
immediately upon written notice.

Financial Planning Fees

Fixed Fees

The fixed rate for creating client financial plans is $3300.

This fee includes:
Comprehensive Planning & Asset Layout
Savings Plan

Investment Model
Assistance with outside professionals
Dedicated Operation Staff
# of outbound calls (4)
Annual in-person/zoom meeting

In addition, there is an annual $550 fee that is due at the annual scheduled meeting.

Clients may terminate the agreement without penalty, for full refund of Whalen
Financial’s fees, within five business days of signing the Financial Planning Agreement.
Thereafter, clients may terminate the Financial Planning Agreement generally upon
written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly basis. Fees are paid in arrears.

Payment of Selection of Other Advisers Fees

The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected.

Payment of Financial Planning Fees

Financial planning fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan. Fees are paid via
AdvicePay.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by Whalen Financial. Please see Item 12 of
this brochure regarding broker-dealer/custodian.

D. Prepayment of Fees

Fixed fees that are collected in advance will be refunded based on the prorated amount of
work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to Clients

       Andrew Joseph Whalen is a licensed insurance agent. In this role, he accepts
       compensation for the sale of investment products to Whalen Financial clients.

       1. This is a Conflict of Interest

           Supervised persons may accept compensation for the sale of investment products,
           including asset based sales charges or service fees from the sale of mutual funds to
           Whalen Financial's clients. This presents a conflict of interest and gives the supervised
           person an incentive to recommend products based on the compensation received
           rather than on the client’s needs. When recommending the sale of investment products
           for which the supervised persons receives compensation, Whalen Financial will
           document the conflict of interest in the client file and inform the client of the conflict
           of interest.

       2. Clients Have the Option to Purchase Recommended Products From
       Other Brokers

           Clients always have the option to purchase Whalen Financial recommended products
           through other brokers or agents that are not affiliated with Whalen Financial.

       3. Commissions are not Whalen Financial's primary source of
       compensation for advisory services

           Commissions are not Whalen Financial’s primary source of compensation for advisory
           services.

       4. Advisory Fees in Addition to Commissions or Markups

           Advisory fees that are charged to clients are not reduced to offset the commissions or
           markups on investment products recommended to clients.

Item 7: Types of Clients

Whalen Financial generally provides advisory services to the following types of clients:

          Individuals
          High-Net-Worth Individuals
          Pension and profit sharing plans
          Charitable organizations
          Corporations or other businesses

There is no account minimum for any of Whalen Financial’s services.