Item 5: Additional Compensation ..........................................................................................................................................................................18 Item 6: Supervision ...................................................................................................................................................................................................18 Item 1: Cover Page ....................................................................................................................................................................................................19 Item 2: Educational Background and Business Experience .................................................................................................................................20 Item 3: Disciplinary Information ............................................................................................................................................................................20 Item 5: Additional Compensation ..........................................................................................................................................................................21 Item 6: Supervision ...................................................................................................................................................................................................21 Item 1: Cover Page ....................................................................................................................................................................................................22 Item 2: Educational Background and Business Experience .................................................................................................................................23 CPA - Certified Public Accountant ..............................................................................................................................................................24 Item 3: Disciplinary Information ............................................................................................................................................................................25 Item 5: Additional Compensation ..........................................................................................................................................................................25 Item 6: Supervision ...................................................................................................................................................................................................25 Higgins & Schmidt Wealth Strategies (hereinafter “HSWS”) offers the following services to advisory clients: A. Description of Services HSWS participates in and sponsors a wrap fee program, which allows HSWS to manage client accounts for a single fee that includes both portfolio management services and brokerage costs. The fee schedule is set forth

below: Total Assets Under Management Quarterly Fee Annual Fee $500,000 - $1,000,000 0.375% 1.50% $1,000,001 - $3,000,000 0.313% 1.25% $3,000,001 - $5,000,000 0.250% 1.00% $5,000,001 - $7,500,000 0.213% 0.85% $7,500,001 - $10,000,000 0.188% 0.75% Over $10,000,001 0.163% 0.65% These fees are negotiable depending upon the needs of the client and complexity of the situation. The final fee schedule is attached as Exhibit II of the client contract. The advisory fee is calculated using the value of the assets on the last business day of the prior billing period, taking into account the previous quarter's deposits and withdrawals Fees are paid quarterly in advance. Refunds are given on a prorated basis, based on the number of days remaining in the billing period on the effective date of termination. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the billing period up to and including the effective date of termination. (*The daily rate is calculated by dividing the annual fee by 360). Clients may terminate the contract without penalty, for full refund, within five business days of signing the contract. Thereafter, clients may terminate the contract immediately upon written notice. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. For fees deducted directly from client accounts HSWS will: (A) Possess written authorization from the client to deduct advisory fees from an account held by a qualified custodian. (B) Utilize a custodian that sends at least quarterly statements reflecting all additions and deductions, including the amount of advisory fees. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There are several factors that bear upon the relative cost of the program, including the trading activity in the client’s account, the adviser’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). C. Additional Fees Clients who participate in the wrap fee program will not have to pay for transaction or trading fees. However, clients are still responsible for all other account fees, such as, transition fees if the account is moved to another broker, or internal investment expenses. D. Compensation of Client Participation Neither HSWS, nor any representatives of HSWS receive any additional compensation beyond advisory fees for the participation of clients in the wrap fee program. However, compensation received may be more than what would have been received if client paid a different advisor separately for investment advice, brokerage, and other services. Therefore, HSWS may have a financial incentive to recommend the wrap fee program to clients.