Eliot Rose Wealth Management LLC

Fees and Compensation

                                    Financial Planning Fees

•   We charge a flat fee of $5,400 for our financial planning services, payable in two installments.

                                 Investment Management Fees

•   Our investment management fees are structured on a tiered basis, calculated as a percentage
    of assets under management (AUM). This tiered structure is designed to be fair and equitable,
    ensuring that every dollar in each tier is charged at the same rate for all clients:

            Account Value                                           Annual Fee
            First $500,000                                               1.25%
            Next $1,500,000                                              1.00%
            Next $2,000,000                                              0.75%
            Next $1,000,000                                              0.65%
            Over $5,000,000*                                             0.50%

                    *Applied to portion exceeding $5 million.

Example of How Our Tiered Fees Work

Let's consider you have $3,000,000 managed by us. Our fee structure is designed to be fair and
transparent, applying progressively lower rates as your investment increases:
•       First $500,000: Charged at 1.25%
•       Next $1,500,000: Charged at 1.00%
•       Remaining $1,000,000: Charged at 0.75%
This tiered system results in a total blended annual fee of approximately 0.96%. By applying the
same rate to each dollar within the same tier, we ensure fairness and consistency across our fee
structure, allowing each client to benefit from reduced rates as their portfolio grows.

Billing Practices

•    Fees are billed quarterly in arrears, based on the account value at the end of each quarter. We
     offer the convenience of deducting fees directly from your managed accounts, which
     provides a straightforward and transparent billing process. In individual cases, Eliot Rose
     has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive
     fees. Fees are not based on the share of capital gains or capital appreciation of the funds or
     any portion of the funds. Our fees are structured to reflect the quality and personalized nature
     of our services; fees and services may vary among different providers. Fees for the initial
     quarter will be prorated based upon the number of calendar days in the calendar quarter that
     the advisory agreement is in effect.

     As authorized in the client agreement, the account custodian withdraws Eliot Rose Wealth
     Management, LLC’s advisory fees directly from the clients’ accounts according to the
     custodian’s policies, practices, and procedures. The custodial statement includes the amount
     of any fees paid to Eliot Rose for advisory services.

     Clients may terminate investment advisory services obtained from Eliot Rose, without
     penalty, upon written notice within five (5) business days after entering into the advisory
     agreement. The client is responsible for any fees and charges incurred by the client from
     third parties as a result of maintaining the account such as transaction fees for any securities
     transactions executed and account maintenance or custodial fees. Thereafter, the client may
     terminate advisory services upon written notice delivered to and received by Eliot Rose.
     Clients who terminate investment advisory services during a quarter are charged a prorated
     advisory fee based on the date of Eliot Rose’s receipt of client’s written notice to terminate.

     Any earned but unpaid fees are immediately due and payable, and any prepaid and unearned
     fees will be immediately refunded.

Additional Costs

•    In addition to our fees, clients may also incur other costs such as custodial fees, mutual fund
     transaction fees, and other investment-related expenses. We are committed to minimizing
     these costs through cost-effective solutions and will always provide full transparency
     regarding any additional charges.

     In addition to advisory fees paid to Eliot Rose as explained above, clients may pay custodial
     service, account maintenance, transaction, and other fees associated with maintaining the
     account. These fees vary by broker and/or custodian. Clients should ask Eliot Rose for
     details on transaction fees or other custodial fees specific to their account, as these fees are
     not included in the annual advisory fee. Eliot Rose does not share any portion of such fees.
     Additionally, for any mutual funds purchased, the client may pay their proportionate share
     of the funds’ distribution, internal management, investment advisory and administrative fees.
     Such fees are not shared with Eliot Rose and are compensation to the fund manager.

Benefits of Our Fee Structure

•    Our tiered fee model is designed to be fair and align our interests with yours. As your asset
     base grows, the rate you pay decreases, which not only encourages us to help you grow your
     wealth but also makes the cost of managing larger asset sizes more economical for you.

Form ADV, Part 2A, Item 6

          Performance-Based Fees and Side-By-Side Management

Types of Clients

At Eliot Rose Wealth Management, our focus is on serving retirees and individuals who are nearing
retirement. Here’s a detailed look at the client profiles we typically work with:
Pre-Retirees

     We work closely with individuals who are within 12 months of retirement, a period we refer
     to as their "leap year"-to prepare for this significant transition. Our services during this
     critical period include comprehensive financial planning, retirement income strategies, and
     risk management to ensure a smooth and stress-free transition into retirement.

Retirees

     Our core clientele consists of individuals who have already retired and are focused on
     maintaining a comfortable lifestyle through effective asset management. We provide tailored
     advice on income distribution strategies, tax optimization, estate planning, and investment
     management to preserve and grow their wealth throughout retirement.

Families Focused on Legacy Planning

     We also assist retired clients and their families in planning for future generations. This
     includes estate planning, charitable giving strategies, and trust management to ensure that
     their legacy is managed according to their wishes.

Client Investment Minimums

To ensure we can provide focused and high-quality service, we typically require a minimum
investment of $1,000,000 for our asset management services. This requirement helps us to deliver
deeply personalized and strategic advice that significantly impacts our clients' financial success.
We evaluate potential clients on a case by case basis to ensure our services align with their unique
needs and objectives, striving to add the value they expect.

Our Expertise and Commitment

Our team is adept at navigating the unique challenges and opportunities that arise during the
transition to retirement and beyond. We are committed to providing our clients with peace of mind,
knowing their financial affairs are handled with expertise and care. Whether you are preparing to
retire or are already enjoying retirement, our goal is to ensure your financial plan works effectively
for you in this new phase of life, supporting both your immediate needs and long-term aspirations.

Form ADV, Part 2A, Item 8

      Methods of Analysis, Investment Strategies, and Risk of Loss