Wilkins Miller Wealth Management LLC

Item 5 Fees And Compensation
Asset Management Services

A. Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of
the funds or any portion of the funds.

You may make additions to the Account or withdrawals from the Account, provided the Account
continues to meet minimum account size requirements. Adjustments will be made for deposits and
withdrawals in excess of $250,000 during the quarter.

Account Size                Annual Fee
$0 to $1,000,000            1.50%
$1,000,000 to $2,500,000 1.25%
$2,500,000 to $5,000,000 1.00%
Over $5,000,000             0.75%

WM Wealth Management aggregates or households all of your managed accounts together to
determine your quarterly fee.

WM Wealth Management may change the above fee schedule upon 30-days prior written notice to
you.

B. Advisory fees will generally be collected directly from your account, provided you have given WM
Wealth Management written authorization. You will be provided with an account statement reflecting
the deduction of the advisory fee direct from the account custodian. If the Account does not contain
sufficient funds to pay advisory fees, WM Wealth Management has limited authority to sell or redeem
securities in sufficient amounts to pay advisory fees. Alternatively, you may elect to pay account
management fees directly by check.

C. In addition to the advisory fees above, you will pay transaction fees for securities transactions
executed in your account in accordance with the custodian's transaction fee schedule. Additionally, you
will pay fees for custodial services, account maintenance fees, and other fees associated with
maintaining the Account. Such fees are not charged by WM Wealth Management and are charged by
the product, broker/dealer or account custodian. WM Wealth Management does not share in any
portion of such fees. Additionally, you will pay your proportionate share of the fund's management and
administrative fees and sales charges as well as the mutual fund adviser's fee of any mutual fund they
purchase. Such advisory fees are not shared with WM Wealth Management and are compensation to
the fund-manager.

D. Advisory fees will be charged in advance of each calendar quarter. The quarterly advisory fee will
be based on the value of the Account on the last business day of the just completed calendar quarter.
Fees for partial calendar quarters will be prorated. The initial quarterly fee will be a pro-rated portion of
the fee based on the number of days remaining in the calendar quarter.

E. Certain Advisory Representatives of WM Wealth Management are dually registered representatives
of Purshe Kaplan Sterling Investments. ("PKS"), a registered broker/dealer, member of the Financial
Industry Regulatory Authority (FINRA) and SIPC.

If you elect to implement investment advice received from WM Wealth Management through WM
Wealth Management Advisory Representatives, such advice can be implemented on a fee basis
though WM Wealth Management or on a commission basis through Purshe Kaplan Sterling
Investments. WM Wealth Management Advisory Representatives will receive a portion of the fee
and/or commission. This practice presents a conflict of interest and gives WM Wealth Management
and its Advisory Representatives an incentive to recommend investment products based on the
compensation received rather than on a client's needs.

Advisory Representatives of WM Wealth Management who are Registered Representatives will
receive trail commissions (i.e. 12b-1 fees) for a period of time as a result of directing securities
transactions through Purshe Kaplan Sterling Investments. Load and no-load mutual funds pay annual
distribution charges, sometimes referred to as 12b-1 fees. 12b-1 fees come from fund assets,
therefore, indirectly from your assets. 12b-1 fees will be initially paid to Purshe Kaplan Sterling
Investments and a portion passed to the Advisory Representatives. The receipt of such fees could
represent an incentive for the Advisory Representatives to recommend funds with 12b-1 fees over
funds that have no fees or lower fees. As a result, there is a conflict of interest. However, 12b-1 fees
will not be paid to Advisory Representatives on any transactions conducted in a client's managed
account.

These practices present a conflict of interest and gives WM Wealth Management an incentive to
recommend investment products based on the compensation received, rather than on a client's needs.
WM Wealth Management will attempt to mitigate conflicts of interest by:
    • Informing you of conflict of interest in this Disclosure Brochure.
    • Maintaining and abiding by our Code of Ethics which requires us to place your interest first and
      foremost.
    • Routine review of transactions

    • Advising you of the right to decline to implement our recommendations and the right to choose
      other financial professionals for implementation.
    • Recognizing and advising you WM Wealth Management is a fiduciary and has an obligation to
      conduct its business in the best interest of its clients and not in WM Wealth Management's
      interest.

You may purchase the securities recommended by WM Wealth Management directly or through other
brokers or agents not affiliated with WM Wealth Management.

The primary source of compensation for Advisory Representatives is from the sale of investment
products recommended to clients, including asset based distribution fees from the sale of mutual
funds.

Termination Provisions
You may terminate investment advisory services obtained from WM Wealth Management, without
penalty, upon written notice within five (5) business days after entering into the advisory agreement
with WM Wealth Management. You will be responsible for any fees and charges incurred from third
parties as a result of maintaining the Account such as transaction fees for any securities transactions
...

Item 7 Types Of Clients
WM Wealth Management's services are geared toward individuals both high net worth (i.e., clients with
a net worth of $2,100,000, exclusive of primary residence or has $1,000,000 under management with
WM Wealth Management) and other than high net worth as well as pension and profit sharing plans or
other retirement plans.

WM Wealth Management generally requires a minimum amount of assets be deposited to an account
for the purpose of obtaining asset management services. This minimum is generally $100,000 in cash
or securities. However, under certain circumstances, WM Wealth Management may waive the
minimum account size requirement and accept accounts less than $100,000. Such circumstances may
include but not be limited to additional assets will soon be deposited or you have other accounts under
management with WM Wealth Management. You are advised performance may suffer due to
difficulties with diversifying smaller accounts and due to risk controls being compromised. Performance
of smaller accounts may vary from the performance of accounts with more dollars invested due to
fluctuations in the market may affect smaller accounts more and the effects of compounding may be
greater in larger accounts.