WJ Wealth Management LLC

Fees and Compensation

Financial Planning

Fees for financial planning and consulting services are charged on an hourly or flat fee basis. The fee
will be based on the type of services to be provided. Our standard fee is $200 per hour. Fixed fees
range between $500 and $2,500. The client may choose to pay the fee upon execution of an
Agreement with WJ Wealth Management, upon delivery of the written financial plan, or a
combination of upfront and in arrears.
For clients that elect to receive ongoing services, the fee may be payable on a monthly basis. The
client generally makes a check payable to WJ Wealth Management for financial planning and
consulting services but may also pay by credit card. In the event that the client pays by credit card,
each transaction will be invoiced. The total estimated fee, as well as the ultimate fee charged, is
based on the scope and complexity of the engagement. Lower fees for comparable services may
be available from other sources. In the event that a client desires, a client can engage certain
representatives of the firm, in their individual capacities as registered representatives or investment
adviser representatives of LPL Financial, an SEC registered investment adviser and FINRA/SIPC
member broker-dealer, to implement investment recommendations on a commission or advisory fee
basis. In the event a client chooses to purchase investment products through LPL Financial, LPL
Financial will charge brokerage commissions to effect securities transactions, a portion of which
commissions LPL Financial shall pay to the firm’s representatives, as applicable. The brokerage
commissions charged by LPL Financial may be higher or lower than those charged by other broker-
dealers.

Asset Management

The specific manner in which fees are charged by the firm is established in a client’s written
agreement and account application between the client and WJ Wealth Management – up to 2.5%

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of assets under management. The account fee is typically a straight percentage based on the value
of all assets in the account, including cash holdings. The account fee also may be structured on a
tiered basis, with a reduced percentage rate based on reaching certain thresholds.

              Maximum Fee Schedule:                    Example of a Typical Fee
                                                       Schedule:

              Account Balance                  Fee     Account Balance                      Fee
              $0 - $50,000                     2.5%    $0 - $100,000                        1.25%
              $50,001 - $100,000               2.0%    $100,001 - $500,000                  1.05%
              $100,001 - $250,000              1.5%    $500,001 - $1,000,000                1.00%
              $250,001 +                       1.0%    $1,000,000 +                         0.85%

In this example, if the fee is charged on a straight percentage basis, the annual fee on an account
valued at $150,000 would be calculated as follows:

     $150,000 x 1.05% = $1,575 annually; $1,575/4 = $393.75 quarterly

If the fee is charged on a tiered basis, the annual fee on an account valued at $150,000 would be
calculated as follows:

     $100,000 x 1.25% = $1,250 annually; $1,250/4 = $312.50 quarterly
     $50,000 x 1.05% = $525.00 annually; $525.00/4 = $131.25 quarterly

100% of the account fee is paid to WJ Wealth Management and is shared with the IAR.

Clients can determine to engage the services of WJ Wealth Management on a discretionary or non-
discretionary
basis. WJ Wealth Management representatives may at their discretion negotiate a fee up to the
maximum fee listed above.

If the account is closed within the first six months by the client or as a result of withdrawals which bring
the account value below the required minimum, Advisor reserves the right to retain the pre-paid
quarterly advisory fee for the current quarter or cancel and rebill all transactions in the account at
normal and customary brokerage commission rates, in order to cover the administrative cost of
establishing the account which may include costs to transfer positions into and out of the account,
data entry costs to open the account, cost associated with reconciling of positions in order to issue
quarterly performance reports, and the cost of re-registering positions.

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The account fee charged to the client for each advisory program is negotiable, subject to the
following maximum account fees:

      Advisory Program                         Annual Percentage of Assets Charge
     Asset Management                                       2.5%
      OMP                                                   2.5%
      MWP                                                      2.5%

Account fees are payable quarterly either in advance or in arrears.

In the event that a client desires, a client can engage certain representatives of the firm, in their
individual capacities as registered representative of LPL Financial, a SEC registered and FINRA/SIPC
member broker-dealer, to implement investment recommendations on a commission basis. In the
event a client chooses to purchase investment products through LPL Financial, LPL Financial will
charge brokerage commissions to effect securities transactions, a portion of which commissions LPL
Financial shall pay to the firm’s representatives, as applicable.

The brokerage commission charged by LPL Financial may be higher or lower than those charged by
other broker/dealers.

In addition, LPL Financial, as well as the firm’s representatives, relative to commission mutual fund
...

Types of Clients

The advisory services offered by WJ Wealth Management are available for individuals, individual
retirement accounts (“IRAs”), banks and thrift institutions, pension and profit-sharing plans, including
plans subject to Employee Retirement Income Security Act of 1974 (“ERISA”), trusts estates, charitable
organizations, state and municipal government entities, corporations and other business entities.
However, the firm generally provides investment advice to individuals and high net-worth individuals.
The firm is currently not working with other types of clients or pursuing them as prospects but would
not turn away any opportunities that may arise.

For LPL Financials’ Sponsored Advisory Programs account minimums are as follows:

   •   Asset Management: $25,000
   •   Optimum Market Portfolios Program (OMP): $10,000
   •   Personal Wealth Portfolios Program (PWP): $250,000
   •   Model Wealth Portfolios Program (MWP): $25,000

For customized advisory services, any required minimum account value will be set out in the client
agreement.

Methods of Analysis, Investment Strategies and Risk of Loss

We emphasize continuous and regular account supervision. As part of our asset management
service, we generally create a portfolio, consisting of individual stocks or bonds, exchange traded
funds (“ETFs”), options, mutual funds and other public and private securities or investments.

The client’s individual investment strategy is tailored to their needs and may include some or all of the
previously mentioned securities. Each portfolio will be initially designed to meet a particular
investment goal, which we determine to be suitable to the client’s circumstances. Once the

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appropriate portfolio has been determined, we review the portfolio on a regular basis and if
necessary, rebalance the portfolio based upon the client’s individual needs, state goals and
objectives.
The firm uses a combination of fundamental and technical analysis in order to formulate investment
advice when managing assets. Depending on the analysis, the firm will implement a long- or short-
term trading strategy based on the particular objectives and risk tolerance of a particular client.

Fundamental analysis involves an evaluation of the financial condition and competitive position of a
particular fund or issuer which typically involves an analysis of an issuer’s management team,
investment strategies, style, past performance, reputation and financial strength in relation to the
asset class concentrations and risk exposures of the Firm’s model asset allocations. A substantial risk in
relying upon fundamental analysis is that while the overall health and position of a company may be
good, evolving market conditions may negatively impact the security.

Technical analysis involves the examination of past market data rather than specific issuer information
in determining the recommendations made to clients. Technical analysis may involve the use of
mathematical based indicators and charts, such as moving averages and price correlations, to
identify market patterns and trends which may be based on investor sentiment rather than the
fundamentals of the company. A substantial risk in relying upon technical analysis is that identifying
historical trends may not help to predict such trends in the future. Even if the trend will eventually
reoccur, there is no guarantee that WJ Wealth Management, LLC will be able to accurately predict
such a reoccurrence. Past performance does not guarantee future results and results will vary.
Please note, investing in securities involves risk of loss that clients should be prepared to bear. There
are different types of investments that involve varying degrees of risk, and it should not be assumed
that future performance of any specific investment or investment strategy will be profitable or equal
any specific performance level(s). Past performance is not indicative of future results.

The Firms’ methods of analysis and investment strategies do not represent any significant or unusual
risks however all strategies have inherent risks and performance limitations such as:

   •   Market Risk – The risk that the value of securities may go up or down, sometimes rapidly or
       unpredictably due to factors affecting securities markets generally or particular industries.
   •   Interest Rate Risk – The risk that fixed income securities will decline in value because of an
       increase in interest rates; a bond or a fixed income fund with a longer duration will be more
       sensitive to changes in interest rates than a bond or bond fund with a shorter duration.
   •   Credit Risk – The risk that an investor could lose money if the issuer or guarantor of a fixed
       income security is unable or unwilling to meet its financial obligations.