5T Wealth LLC

Types of Clients
5T provides investment and asset management services to individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, private foundations and corporations. We manage advisory accounts on a
discretionary basis. Account supervision is guided by the stated objectives of the client (i.e., maximum capital
appreciation, growth, income, or growth and income), and/or a blend of objectives as determined by our best
judgment.

Selection and Monitoring of Third Party Sub-Funds/Advisors
Depending upon the client assets size, 5T may provide advisory management services through the Manager of
Managers Program. We provide the client with an asset allocation strategy developed through personal
discussions in which the client's goals and objectives are established based on the client's particular circumstances.
This asset allocation strategy is drafted into the client's Personal Investment Strategy.

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5T performs management searches of various registered investment advisors. Based on the client's individual
circumstances and needs (as exhibited in the client's Personal Investment Strategy) we determine which selected
registered investment advisor's ("Sub-fund” or “Advisor”) portfolio management style is appropriate for that client.
Factors considered in making this determination include account size, risk tolerance, the opinion of each client and
the investment philosophy of the selected Sub-fund/Advisor. Clients should refer to the Sub-fund/Advisor's Firm
Brochure or other disclosure document for a full description of the services offered. Client meetings are available
on a regular basis, or as determined by the client, to review the account.

On an ongoing basis, 5T monitors the performance of the Sub-fund/Advisor(s). If we determine that a particular
Sub-fund/Advisor is not providing sufficient management services to the client or is not managing the client's
portfolio in a manner consistent with that client's Personal Investment Strategy, then we may move the client’s
portfolio to a different Sub-fund/Advisor and/or program sponsor. Under this scenario, our firm retains the
discretion to hire and fire the Sub-fund/Advisor and/or to move the client’s portfolio to a different program.

At least annually, we meet with the client to review and update, as necessary, the client's Personal Investment
Strategy. However, should there be any material change in the client's personal and/or financial situation, we
should be notified immediately to determine whether any review and/or revision of the client's Personal
Investment Suitability Statement is warranted.

5T generally requires discretionary advisory clients to maintain a minimum account size of $250,000, although this
minimum may be waived in certain circumstances at the sole discretion of our principals.

Methods of Analysis, Investment Strategies and Risk of Loss
At the root of our investment process are fundamental principles that have stood the test of time and are the
foundation of our platform, which has been developed through our commitment to meticulously reduce portfolio
risk and systematically increase portfolio returns.

Investment Management Philosophy and Core Beliefs:

    •   Traditional “Long only, buy and hold” investment models tend to increase volatility and may not maximize
        return potential for our clients.

    •   By actively decreasing investment volatility at the portfolio level we maximize client income potential
        while mitigating risk.

    •   Absolute return as an investment objective rather than the industry standard of benchmark tracking.

    •   True diversification among alternative and traditional asset classes, strategies, investment managers,
        geographic regions, and individual assets is an effective way to protect capital and conservatively grow
        wealth.

    •   Superior investment managers exist, and we seek to identify them through our sourcing and due diligence
        process.

    •   Disciplined portfolio management incorporating tactical, fundamental, economic, and valuation based re-
        weighting of investments and strategies reduces risk and potentially increase returns.

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    •    We look to top-tier educational endowments published investment methods to provide guidance.

    •    Continuously educating ourselves and our clients is vital to the ongoing evolution of our investment
         platform and client services.

True Diversification:
5T maintains a steadfast commitment to and expertise in both traditional and alternative asset classes, such as
hedge funds, private equity, private credit, and real estate, which provide a broad array of truly diversified building
blocks with which to construct client portfolios.

Based on our view that traditional “long only, buy and hold” investment models do not optimize returns, our
strategies center around tactical, fundamental, economic, and valuation-based re-weighting of investments to
reduce risk and potentially increase returns.

5T relies on what is traditionally thought of as diversification to meet our investor’s long-term goals. Whether it’s
correlations between stocks in different markets or between long and medium-duration fixed income investments,
during times of stress returns can easily move closer together and correlations tend to converge. We endeavor to
provide our clients with non-correlated returns, resulting in what we believe will be true diversification and lower
risk.
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