Willow Creek Wealth Management Inc

ITEM 5 – FEES AND COMPENSATION

      A. Types of Compensation

      Asset Management

      Clients pay a management fee calculated as a percentage of their invested assets in the account.
      (assets may include: individual stocks, bonds, mutual funds, ETF’s and cash, including any funds
      with a margin balance). The management fee is determined by your advisor’s title at Willow Creek
      Wealth Management.

       WCWM Managing Partners Fee Schedule is the greater of $2,500 per quarter or
       the fee calculated based on a percentage of assets as determined from the
       schedule below
                 Account Size                               Annual Fee (%)
       The first $2,000,000                                     1.00%

                                                                                    March 13, 2026

 The next $3,000,000                                             0.75%
 The next $5,000,000                                             0.50%
 On amounts over $10,000,000                                     0.35%

 WCWM Advisory Fee Schedule is the greater of $1,250 per quarter or the fee
 calculated based on a percentage of assets as determined from the schedule
 below
           Account Size                                Annual Fee (%)
 The first $2,000,000                                     1.00%
 The next $3,000,000                                      0.75%
 The next $5,000,000                                      0.50%
 On amounts over $10,000,000                              0.35%

Clients who established accounts with us before January 2025 may be managed under a previous
fee schedule and some clients may have a negotiated fee schedule.

Financial Planning

Our fee for financial planning services is negotiated individually. Factors used in determining the
cost of a financial plan include the complexity and nature of the client’s circumstances.

Financial Consulting

We charge for financial consulting on an hourly basis. Our current billing rate is $300 per hour for
hourly planning work.

We believe our fees are competitive; however, you may be able to obtain similar services from
other advisors at a lower price

B. Method of Billing

Asset Management Fees

Clients pay a management fee, in advance, at the beginning of each quarter based on a fixed
percentage of assets in the account. Unless the client has made other arrangements, our
management fee is calculated as of the last day of the quarter in accordance with the account
custodian’s usual and customary practices.

                                                                                      March 13, 2026

      Financial Planning Services

      A retainer may be requested prior to proceeding with the financial planning services. The
      remainder of the fee is due when the plan is presented to the client.

      C. Other Fees and Costs

      In addition to the management fees set forth above, clients may pay some or all of the following
      costs and expenses:

      •   Assets Transferred into Account(s): Clients may be charged transaction costs due to the sale
          of securities transferred into their WCWM account. Clients should be aware that there also
          may be transfer fees charged by their prior custodian.
      •   Account Costs: All fees charged by WCWM are separate and distinct from any fees and
          expenses charged by any mutual funds or exchange-traded fund to their shareholders. These
          fees and expenses are described in each fund’s prospectus.
      •   Custodial Fees: All custody costs and expenses are charged by the custodian to the account.
      •   Trading and Transaction Costs: Clients pay all trade fees, mark-ups and similar transaction
          costs incurred in connection with the purchase and sale of individual securities.
      •   Annual Account Fee: Client may be charged a $40 per year per account fee billed at $10 per
          quarter.

      D. Return of Unearned Management Fees

      When the investment advisory agreement commences or terminates between an account’s
      regular valuation dates, a pro-rata adjustment is made with respect to the asset management fee
      for the partial period. Upon termination of any account, any prepaid, unearned fees are promptly
      refunded, and any earned, unpaid fees are due and payable.

      E. Compensation from the Sale of Investment Products

      We do not accept compensation or commissions for the sale of securities or other investment
      products.

ITEM 7 – TYPES OF CLIENTS

      We provide investment services to individual and institutional investors including, for example,
      individuals, high net worth individuals and families, corporate pension and profit-sharing plans,
      charitable institutions, foundations, and endowments.