Winford Wealth LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

                                         Annual Fee Schedule

           Assets Under Management                                       Annual Fee
              $100,001 to $150,000                                         0.72%
              $150,001 to $200,000                                         0.66%
              $200,001 to $500,000                                         0.60%
             $500,000 to $1,000,000                                        0.54%
              $1,000,001 and above                                         0.48%

For clients with assets under management below $100,000, our portfolio management services are
billed as a subscription fee as outlined below.*

Our annual portfolio management fee is billed and payable, monthly in advance, based on the average
daily balance.

For example, if your account value is $100,000 on the last day of a calendar month, the fee would be
calculated as follows:

(100,000 x 0.72%) = $720/12 = $60 monthly

*Since the full account value falls within the first tier (up to $150,000), the entire amount is billed at the
0.72% annual rate, resulting in a monthly fee of $60.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

You may terminate the portfolio management agreement upon 7 days written notice. You will incur a
pro rata charge for services rendered prior to the termination of the portfolio management agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Subscription Fee
Clients with less than $100,000 in assets under management will receive investment advisory services
on a subscription basis, rather than based on the value of their assets. The subscription fee is billed at
a rate of $59 per month, with fees negotiated and agreed upon in advance. Clients are billed monthly,
in advance of services being provided.

Fees can be paid through a third-party, nonaffiliated service provider, Stripe, Inc. With Stripe, Inc,
clients will be asked to set up their bank account or credit card information within the platform to enable
credit card or ACH payments. While Stripe, Inc allows firms like Winford Wealth to receive payments
directly from a client's credit card or bank account, it does not provide Winford Wealth with access to
the client's bank account or credit card information.

Winford Wealth is not able to initiate payments, request additional payments, make withdrawals, or
move funds through Stripe, Inc outside of what is authorized by the client and agreed upon in the
advisory agreement. All payment authorizations are client-driven through the third-party platform, and
Winford Wealth does not have access to or retain any client banking or credit card credentials.

This subscription fee includes both portfolio management services and financial planning services. Our
financial planning services typically involve advising clients on the management of their financial
resources based on an analysis of their individual needs. This can range from comprehensive, broad-
based planning to more consultative or single-subject planning.

When providing financial planning services, we will meet with you to gather information about your
financial circumstances and objectives. We may also utilize financial planning software to assess your
current financial position and to define and quantify your long-term goals. From there, we will identify
targeted, shorter-term objectives and deliver a written plan designed to help you achieve your stated
goals.

Financial plans are based on your current financial situation and the information you provide to us. It is
important to promptly inform us if your financial situation, goals, or needs change.

You are under no obligation to act on our financial planning recommendations. If you choose to
implement any part of the plan, you are not required to do so through our firm, and may use any
brokerage or service provider of your choice.

Web-Based Portfolio Management Services
Our monthly fee for the Web-Based Portfolio Management Service is based on a percentage of assets
under management for clients with account balances over $100,000, as outlined in the annual fee
schedule table above. All assets in your account(s) are included in the fee calculation unless
specifically excluded in writing.

The annual Advisory Fee is an asset-based fee which will be prorated and billled on monthly in
advance, based on the average daily balance. Our agreement for services will continue in effect until
terminated by either party. You may terminate the management agreement upon 7 days written notice
to our firm. If the portfolio management agreement is executed at any time other than the first day of a
calendar quarter, our fees will apply on a pro-rata basis, which means that the advisory fee is payable
...

Item 7 Types of Clients
We offer investment advisory services to individuals including high net worth individuals.

We do not require a minimum dollar amount to open and maintain an advisory account; however, we
have the right to terminate your account if it falls below a minimum size which, in our sole opinion, is
too small to manage effectively.