Beaird Harris Wealth Management LLC

Item 5 – Fees and Compensation

Adviser’s standard fee schedule for Investment Advisory and Financial Planning Services is as follows:

Investment Advisory and Financial Planning Fees

        Assets Under Management                                                                       Annual Fee
        Amount between $0 - $1,000,000                                                                    1.00%
        Amount between $1,000,000 - $2,000,000                                                            0.75%
        Amount between $2,000,000 - $10,000,000                                                           0.50%
        Amounts in excess of $10,000,000                                                                  0.40%

Pensions Plans and Participant Directed Retirement Plans
Adviser’s fees that it charges for retirement plan engagements are negotiated with each client and vary from client to
client. The fee agreed on between the client and Adviser is memorialized in a written agreement between the parties.

Fees Generally
At Adviser’s discretion, fees are waived, in whole or in part, for clients who are members of the families of Adviser’s
associated persons. In certain circumstances, fees and account minimums are negotiable and therefore, Advisor’s fees
can vary from client to client. Except as described in Item 7 below Adviser charges a minimum annual fee of $10,000.
Adviser does not make any adjustments in future quarters if the client becomes subject to the minimum annual fee and
the value of their accounts increase so that they are no longer subject to the minimum annual fee. This in effect causes
the minimum annual fee to be a minimum quarterly fee of $2,500 for this service.

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Fee Billing
Advisory clients will be charged in advance at the beginning of each calendar quarter. The advisory fee will generally be
calculated by using the client’s portfolio balance, including any cash or cash equivalents, on the last trading day of the
previous quarter and multiplying that amount by one quarter of the annual fee. Clients with multiple accounts have all
account balances aggregated for the purpose of applying the scale stated above. The initial quarterly fee will contain, in
addition to the regular fee, a prorated amount for the prior quarter, which is the initial quarter for the account. At the
agreement of both the client and Adviser, fees will be recalculated per diem if deposits to, or withdrawals from, any one
account exceeds $50,000.00 on any given day and causes a fee adjustment in excess of $50.00.

Other Fees and Expenses
Adviser’s fees do not include custodial fees or brokerage commissions or other transaction costs, if any, charged by
client’s custodian and broker. Adviser does not receive any compensation from charges assessed by the custodian.
When a client invests in mutual funds or ETFs or other pooled investment vehicles, the client indirectly bears its
proportionate share of any fees and expenses payable directly to those funds, which are described in the applicable
fund’s prospectus. See additional information under Item 12.

Termination of Advisory Agreement
A client agreement may be canceled at any time, by either party, for any reason upon receipt of written notice, except
that a client may cancel within five business days of entering a written agreement with Adviser without payment of any
fees or penalties. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any
earned, unpaid fees will be due and payable.

Item 7 – Types of Clients and Minimum Requirements

Adviser generally provides investment advice to individuals, high net worth individuals, pension, 401(K) and profit
sharing plans, trusts, estates, charitable organizations, corporations and other business entities. Adviser has certain
minimum thresholds that have been established to allow Adviser to provide the high level of personal service and
attention which we believe our clients deserve. Adviser prefers a minimum account size of $1,000,000 and typically
requires a minimum annual fee of $10,000 for investment advisory services. If a client maintains less than $1,000,000 of
assets under Adviser’s management, and is subject to the $10,000 annual minimum fee, they will pay a higher
percentage annual fee than the 1.00% referenced in the above fee schedule. Clients who are subject to a minimum fee
should review the disclosure under the heading “Fees Generally” in Item 5.

Adviser, in its sole discretion, will reduce its annual minimum fee to $5,000 for those individuals whom it believes have
an enhanced future earnings capacity or will have the future ability to invest additional sums of money. This category
includes young professionals.

In addition to the specific reduction described in the previous paragraph, Adviser, in its sole discretion, may reduce its
advisory fee, minimum account size or minimum annual fee. In doing so, it may consider any criteria, including but not
limited to anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
managed, related accounts, and an account’s composition. In addition, Adviser waives its advisory fee for employees,
and may do so for others.

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Item 8 – Method of Analysis, Investment Strategies and Risk of Loss

Adviser employs a wide range of methods to manage portfolios and evaluate investments. Adviser primarily uses an
investment approach based on Modern Portfolio Theory. Adviser bases its recommendations on asset allocation
methods consistent with Modern Portfolio Theory. This method combines specific asset classes, which may behave
differently from each other, into one portfolio for the purpose of reducing the overall portfolio’s volatility. Adviser uses
domestic and international equity asset classes and domestic and global fixed income asset classes. Adviser primarily
uses no-load institutional mutual funds and/or ETFs to implement its recommendations, although the Adviser may from
time to time recommend other investments approved by our investment committee. Upon client request, Adviser may
provide advice on other types of securities, including individual equity securities. However, in those cases, the client is
ultimately responsible for the ultimate decision on whether to purchase the security in question.

Adviser analyzes mutual funds and ETFs recommended to clients based on a fund’s total operating expense ratio,
portfolio turnover, investment objective and investment restrictions and limitations. Adviser typically recommends that
clients invest in no-load mutual funds and/or ETFs that have low operating expenses, low portfolio turnover, below
average capital gains distributions and a fundamental investment objective of investing primarily within a particular
asset class. Dimensional Fund Advisors (“DFA”) mutual funds (but not ETFs) generally are available for investment only
by clients of Registered Investment Advisors who have been authorized by DFA to use their funds for the benefit of
Adviser’s clients. This means that you will not be able to make additional investments in DFA mutual funds if you
terminate your agreement with Adviser, except through another adviser authorized by DFA. DFA ETFs are not subject to
these same restrictions and the Adviser has transitioned many clients’ holdings to ETFs.

Adviser, in its sole discretion, will periodically recommend or execute transactions to rebalance client portfolios to more
accurately reflect the target allocation that was originally agreed upon by the client and Adviser. When making
investment decisions Adviser uses academic research, financial newspapers and magazines, annual reports,
prospectuses, filings with the SEC and information obtained from historical performance database software (including
that provided by Morningstar, Ibbotson, and Dimensional Fund Advisors). Before recommending rebalancing
transactions or rebalancing a client’s account on discretion, Adviser will generally consider the economic effect of tax
considerations and transaction costs and will only recommend rebalancing or act on discretion to rebalance an account
when Adviser believes the benefits outweigh the impact of transaction costs and taxes.

We believe in diversified asset class exposure obtained primarily through a diversified mix of low cost mutual funds and
ETFs that represent desired asset classes. Mutual funds and ETFs recommended and used by Adviser typically invest in
some or all of the following types of securities:

       U.S. Stocks of any market capitalization
       Foreign Stocks, including Emerging Markets
       Investment Grade Fixed Income Securities
       Non-Investment Grade Fixed Income Securities
       U.S. Government and Government Agency Securities
       Derivatives
       Reinsurance Securities
       Real Estate Investment Trusts (Domestic and Foreign)
       Non-traded Business Development Companies (e.g., Private credit)
       Digital Assets

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Principal Investment Strategies
Asset allocation models recommended to clients typically are set forth in the client Investment Objective Confirmation.
Adviser primarily recommends low cost mutual funds and ETFs for the reason that mutual funds and ETFs can provide a
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