E & R Wealth Management LLC

Item 5 Fees and Compensation
Portfolio Management and Financial Planning Services

The Client executes a Portfolio Management Agreement ("Agreement"), which includes financial
planning services, at the time they become a Client, and the Agreement specifies the compensation
structure. There may be Clients at the firm with differing compensation scheduled depending on when
they contracted services with the firm, or other specific variations as noted in their Agreement.

"Premier" Fee Structure

Our fee for our Premier service includes portfolio management and financial planning services and is
based on a percentage of the assets in your account and is set forth in the following annual fee
schedule:

                                         Annual Fee Schedule

           Assets Under Management                                      Annual Fee
                Up to $1 Million*                                         1.25%

              $1 Million to $3 Million                                     1.00%

              $3 Million to $5 Million                                     0.75%

                 Above $5 Million                                          0.50%

Our annual portfolio management fee is billed and payable, monthly in advance, based on the balance
at end of billing period.

*It makes sense to have at least $1,000,000 of assets under management to receive the most value
from this program. The annual fee covers all investment management and financial planning services.
This program is not available for assets managed through a non-discretionary relationship.

General Fee Information
If the Portfolio Management Agreement is executed at any time other than the first day of a calendar
month, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the month for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.

    • The qualified custodian agrees to send you a statement, at least quarterly, and in most
      instances monthly, indicating all amounts disbursed from your account including the amount of
      the advisory fee paid directly to our firm.

We encourage you to reconcile your statement(s) you receive from the qualified custodian. If you find
any inconsistent information on the statement(s) you receive from the qualified custodian call our main
office number located on the cover page of this brochure.

You may terminate the portfolio management agreement upon verbal or written notice to our firm. You
will incur a pro rata charge for services rendered prior to the termination of the portfolio management
agreement, which means you will incur advisory fees only in proportion to the number of days in the
month for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you
will receive a prorated refund of those fees.

For assets held at a custodian that is not directly accessible by our firm ("Held Away Accounts"), we
may, but are not required to, manage these Held Away Accounts using the Pontera Order
Management System ("Pontera") that allows our firm to view and manage assets. Our annual fee for
investment management services for held away accounts utilizes the same Annual Fee Schedule as
outlined above in our Premier Fee Structure. For Held Away Accounts we calculate the monthly fee
based on the original Assets Under Management and then re-evaluate the monthly fee every six
months. We compare the monthly subscription fee on Held Away Assets to our fee schedule each
month to ensure consistency and accurate fees.

Our advisory fees will not be deducted directly from the accounts managed through the Pontera Order
Management System. We utilize a company named AdvicePay to collect Held Away Account advisory
fees. Clients are required to set up an account with, and to sign a subscription fee agreement with,
AdvicePay, allowing RAA to charge its monthly fees for the Held Away Assets.

Payment of advisory fees; AdvicePay offers billing services to credit cards, debit cards or checking
accounts (ACH) without our firm accepting custody of client funds. Advice Pay will allow us to be more
efficient and add extra layers of security while processing your electronic payments.
Ongoing subscription services automatically renew as determined by the execution date and frequency
stated in the Exhibit of the subscription agreement, unless cancelled by written notice prior to that date.
You will be provided an option to establish an account directly with AdvicePay.

You may terminate the portfolio management agreement upon verbal or written notice to our firm. You
will incur a pro rata charge for services rendered prior to the termination of the portfolio management
agreement, which means you will incur advisory fees only in proportion to the number of days in the
month for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you
will receive a prorated refund of those fees.

You will not pay our firm a higher advisory fee other than what is listed above due to the use of
...

Item 7 Types of Clients
We offer investment advisory services to individuals (other than high net worth individuals) and high
net worth individuals.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.

Where we may leverage an Order Management System through Pontera, in general, we do not require
a minimum dollar amount to open and maintain an advisory account; however, we have the right to
terminate your Account if it falls below a minimum size which, in our sole opinion, is too small to
manage effectively.