Wise Wealth Management LLC

Item 5 – Fees and Compensation

Depending upon the engagement, we offer our services on a fee-basis charged against assets under
management. We believe a fee-based, rather than commission-based engagement helps mitigate the
conflicts of interest inherent when a firm receives compensation based on the sale of specific
securities or investment products. In the event you determine to engage us to provide investment
management services, we charge an annual fee based upon a percentage of the market value of the
assets being managed.

Except for a single Promoter arrangement fully disclosed in Item 14 below, we do not pay any
referral fees. Conflicts of interest will be disclosed to the Client, and managed in favor of the Client.
Where we provide financial planning services in addition to investment-related consulting, we shall
not receive additional compensation beyond the aforementioned annual fee.

Our annual fee is prorated and charged quarterly, in advance, based upon the market value of the
assets on the last day of the previous quarter. In limited circumstances where Client assets are held
in a self-directed retirement account, our fee is based on the most recent quarterly statement provided
to us and will be adjusted, if necessary, in the following billing period. The annual fee shall vary
(between 1.00% and 2.00%) depending upon the market value of the assets under management as
follows:

                                 PORTFOLIO VALUE ANNUAL FEE

                    First $400,000 ........................................................................ 2.00%

                    Next $300,000 ........................................................................ 1.50%

                    Next $300,000 ........................................................................ 1.25%

                    Amount above $1,000,000 ......................................................1.00%

We generally recommend that Clients utilize the brokerage, clearing and custodial services of
Charles Schwab & Co.’s institutional division and affiliates (collectively referred to as “Schwab”)
for investment management accounts. Our annual fee is exclusive of, and in addition to brokerage
fees, transaction costs, or other related expenses which shall be imposed by Schwab. However, we
never receive any portion of any of Schwab’s trading charges, fees, and costs.

We may only implement our investment management recommendations after the Client has
furnished us with all appropriate account information (example: monthly statements) from the
financial institution(s) where their investments were previously custodied, and from where assets
transfer. These financial institutions may include, but are not limited to Schwab, Fidelity’s 401(k)
division, and any other broker-dealer or custodial firms that hold Client assets which we shall invest
on your behalf.

Clients may incur certain charges imposed by Schwab and/or other third parties such as custodial
fees, 12b-1 charges, expense ratios imposed directly by mutual funds, odd-lot differentials, transfer
taxes, and wire transfer fees. Additionally, Clients will incur trading charges and transaction fees,
which are exclusive of, and in addition to, our annual fee.

Our Client Agreement as well as the separate agreement with the custodial firm(s) authorizes us to
debit the Client’s account(s) for the amount of our annual fee and to directly remit this fee. The
financial institutions we recommend will send a statement to the Client, at least quarterly but usually
monthly, indicating all amounts disbursed from the account including the amount of management
fees paid directly to us. Additionally, these financial institutions will provide year-end and tax
reporting documents to Clients as required by law.

We may provide investment management services to Clients related to their individual employer-
sponsored retirement plans. In so doing, we either direct or recommend the allocation of Client assets
among the various mutual funds and/or ETFs that comprise their retirement plan offering. The
Client’s assets shall be maintained at the custodian designated by the sponsor of the Client’s
retirement plan. At no time may we deposit nor disburse funds, nor change a Client’s designated
beneficiaries.

The Client may make deposits to and withdrawals from the account at any time. If assets are
transferred in or out of an account after the inception of a quarter, the fee payable with respect to
such assets will not be prorated based on the number of days remaining in the quarter. Clients may
withdraw account assets with notice to us, subject to the usual and customary securities settlement
procedures and timeframes. Since we design our portfolios as long-term investments, asset
withdrawals may impair the achievement of a Client’s stated investment objectives.

For the initial quarter of investment management services, the first quarter’s fees shall be calculated
on a pro-rata basis. The Agreement between Wise and the Client will be in effect until terminated
by either party pursuant to the terms of the Client Agreement. Our annual fee shall be prorated
through the date of termination, and any remaining balance shall be charged or refunded to the Client,
as appropriate, in a timely manner.

Additions may be in cash or securities provided that we reserve the right to liquidate any transferred
securities, or decline to accept particular securities into a Client’s account. We may consult with our
Clients about the options and ramifications of transferring certain securities. However, Clients are
advised that when transferred securities are liquidated, they are subject to transaction fees, as well
as fees assessed at the mutual fund level (i.e., contingent deferred sales charges) and/or tax
ramifications of realizing gains or losses.

Our Clients are advised to promptly notify us if there are ever meaningful changes in their financial
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Item 7 – Types of Clients

We provide investment advice and supervision to individuals, families, trusts, estates, privately-
held businesses, corporations, and corporate pension- and profit-sharing plans. We do not formally
impose a minimum on amount of assets invested, nor other conditions for opening or maintaining
an account. However, it is solely up to our discretion whether or not to accept a new Client.