WJ Financial Advisors LLC

Item 5: Fees and Compensation
Investment Management/Financial Planning Fees (Combined Services)
WJFA offers Investment Management/Financial Planning Services to advisory Clients for a combined fee.
WJFA charges this combined annual Investment Management/Financial Planning Services fee based on
the total assets under management. The annual fee is negotiable based upon certain criteria (e.g.,
historical relationship, type of assets, anticipated future earning capacity, anticipated future additional
assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with
Clients, etc.). WFJA will not charge more than 1.25% annually to any client.

Combined Investment Management/Financial Planning Services fees are billed quarterly in arrears based
on the average market value of the accounts during the quarter. The average market value of accounts
are determined by adding the account values from the last day of each month within the quarter, then
dividing the total by three. Invoices are sent to clients each quarter and are payable within 15 calendar
days after the end of the quarter. Fees for partial quarters at commencement or termination of the
relationship will be pro-rated based on the number of days services were provided. Current client
relationships may exist where the fees and methods of fee calculation differ from the information listed
above.

Fees CAN BE deducted from a designated client account or paid via check. Due to specific client requests,
the Firm has established direct fee payment arrangements with client accounts held at Charles Schwab &
Co. Inc. Current client relationships may exist where the fees are higher or lower than the fee schedule
above.

An initial introduction and consultation is free of charge and is considered an exploratory interview to
determine the extent to which financial planning and investment management may be beneficial to the
client.

Financial Planning (Stand-Alone Service)
WJFA charges an hourly, ongoing, and/or fixed fee for financial planning and consulting. Prior to the
planning process the Client will be provided an estimated plan fee which will be based on the complexity
of the engagement. For hourly and fixed fee arrangements, services will be completed and delivered
within ninety (90) days contingent upon timely delivery of all required documentation. WJFA reserves the
right to waive the fee should the Client implement the plan through WJFA.

    HOURLY FEES
    Hourly Fee Services are offered based on an hourly fee range of $125 to $375 per hour. Fees for
    financial plans are billed upon completion of the plan OR upon execution of the Agreement OR 50%
    in advance with the balance due upon plan delivery.

    FIXED FEES
    Fixed Fee Services are offered based on a range of $1,500 - $15,000 depending on the complexity of
    the engagement. Fees are billed 50% payable at the signing of the agreement with the balance due
    upon plan delivery.

    ONGOING FEES
    Ongoing Fee Services are offered as an annual fee, based on the Client’s individual circumstances and
    needs. Ongoing fees are charged quarterly depending on the Client’s election. Fees are billed in
    arrears for each billing period. Ongoing Fee Services will continue year over year until canceled, in
    writing, by either WJFA or the Client.

ERISA Plan Services
The annual fees are based on the market value of the Included Assets and shall not exceed 1%. Fees may
be charged quarterly or monthly in arrears or in advance based on the assets as calculated by the
custodian or record keeper of the Included Assets (without adjustments for anticipated withdrawals by
Plan participants or other anticipated or scheduled transfers or distribution of assets) on the last business
day of the previous quarter.

The fee schedule, which includes compensation of WJFA for the services is described in detail in the ERISA
Plan Agreement. The Plan is obligated to pay the fees; however, the Plan Sponsor may elect to pay the
fees. Clients may elect to be billed directly or have fees deducted from Plan Assets. WJFA does not
reasonably expect to receive any additional compensation, directly or indirectly, for its services. If
additional compensation is received, WJFA will disclose this compensation, the services rendered, and the
payer of compensation.

Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs on the
purchases or sales of mutual funds, equities, bonds, options, margin interest, and exchange-traded funds.
Mutual funds, money market funds, and exchange-traded funds may also charge internal management
fees, which are disclosed in the fund’s prospectus. WJFA does not receive any compensation from these
fees. All of these fees are in addition to the management fee you pay to WJFA. For more details on the
brokerage practices, see Item 12 of this brochure.

Prepayment of Fees
WJFA does not expect Clients to prepay fees.

External Compensation for the Sale of Securities
WJFA does not receive any external compensation from the sale of securities.

Item 7: Types of Clients
Description
WJFA provides personalized confidential financial planning and investment management to individuals,
pension and profit-sharing plans, trusts, estates, charitable organizations, not-for-profit corporate
entities, and small businesses. Client relationships vary in scope and length of service.

Account Minimums
WJFA does not have established minimum account size requirements.