Fiat Wealth Management LLC

Fees and Compensation - Item 5

 Financial Planning Fees
 Fiat Wealth provides its clients financial planning and consulting services. Prior to engaging Fiat Wealth to provide
 consulting services, the client will be required to enter into a financial planning agreement with our firm. The
 Agreement will set forth the terms and conditions of the engagement and describe the scope of the services to
 be provided and the fee that is due from the client. Fiat Wealth will charge a fixed fee of up to $10,000.00 for
 financial planning services. Fees are payable upon execution of the financial planning agreement. All agreed upon
 services will be completed within 6 months of payment. If the client hires our firm for ongoing portfolio
 management services, we will either refund the financial planning fee or we will reduce our portfolio management
 fees by the amount of financial planning fee paid by the client.

 Either party may terminate the financial planning agreement by written notice to the other. In the event the client
 terminates Fiat Wealth’s financial planning services, the balance of prepaid, unearned fees (if any) will be
 refunded to the client promptly.

Fiat Wealth Management, LLC
Form ADV Part 2A Brochure

 Estate Planning Services Fees
 For estate planning services provided through Wealth.com, Fiat Wealth charges a fee of up to $5,000. The exact
 fee, payment arrangements and refund policies (if any) will be listed in a separate engagement letter that will be
 signed by the client.

 Portfolio Management Services Fees
 For portfolio management services, Fiat Wealth charges an annual fee of up to 2.00% of assets under
 management, payable either monthly in arrears, and based on the average daily value of the assets of the month
 just ended, or in advance of each calendar quarter based on the fair market value of portfolio assets under
 management on the last business day of the previous quarter. Other fee payment arrangements can be
 negotiated on a case-by-case basis. All fee payment arrangements will be listed in the advisory agreement signed
 by the firm and the client. Legacy clients may be subject to a different fee schedule and payment arrangement
 from the one listed here. Such fees and payment arrangements will be clearly listed in the advisory agreement
 signed by the client and the firm.

 The fee is deducted from the client's account held at the custodian. The client authorizes us to debit the fee from
 the client’s account. If insufficient cash is available to pay such fees, securities in an amount equal to the balance
 of unpaid fees will be liquidated to pay for the unpaid balance. We may deduct the fee from a single, Client-
 designated account to facilitate billing. We encourage you to carefully review the statements you receive from
 the qualified custodian. If you have questions about your statements, or if you did not receive a statement from
 the qualified custodian, please call our office number located on the cover page of this brochure. In limited cases,
 we may invoice the client directly for the payment of fees.

 The fee listed above includes the compensation received by the model provider. We may modify the fee at any
 time upon 30 days’ written notice.

 Our annual fee is exclusive of and in addition to brokerage commissions, transaction fees, and other related costs
 and expenses, which will be incurred by the client. However, we will not receive any portion of the commissions,
 fees, and costs. Please see Item 12 – Brokerage Practices for further information on brokerage and transaction
 costs.

 The portfolio management agreement may be canceled at any time by the client or by Fiat Wealth with prior
 written notice to the other party and in accordance to the terms of the advisory agreement. Upon termination,
 we will promptly refund any unearned, prepaid fees to the Client.

 Pension Consulting Services Fees
 The compensation arrangement for pension consulting services is based on hourly fees, fixed fees, or a percentage
 of the plan assets. Services will be negotiated on a case-by-case basis. The exact services to be provided, the fee
 to be paid by the client, fee payment arrangements, how to terminate the contract, and other terms will be clearly
 stated in the pension consulting agreement signed by the client and Fiat Wealth.

 Clients who choose to have Fiat Wealth’s fee deducted directly from their account must provide authorization.
 The qualified custodian holding client funds and securities, or the plan recordkeeper will send an account
 statement on at least a quarterly basis. This statement will detail account activity. Clients are encouraged to
 review each statement for accuracy.

 Additional Information About Fees and Expenses
 Advisory recommendations are based on financial information and situation that you disclose to us at the time
 the services are provided. Certain assumptions may be made with respect to interest and inflation rates and the
 use of past trends and performance of the market and economy. Past performance is in no way an indication of
 future returns. As your financial situation, goals, objectives, or needs change, you must notify us promptly.

Fiat Wealth Management, LLC
Form ADV Part 2A Brochure

 Fiat Wealth’s fees are negotiable based on the complexity of client goals and objectives and level of services
 rendered. Fees are charged as described above and are not based on a share of capital gains of the funds of an
 advisory client. We also allow Associated Persons servicing the account to negotiate the exact investment
 management fees within the range disclosed in our Form ADV Part 2A Brochure. As a result, the Associated Person
 servicing your account may charge more or less for the same service than another Associated Person of our firm.
 Further, our annual investment management fee may be higher than that charged by other investment advisors
 offering similar services/programs.
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit-sharing plans and their
 participants, trusts, estates, charitable organizations, corporations, and other business entities.

 Fiat Wealth requires a minimum of $250,000 to open and maintain an advisory account. In our sole discretion,
 we may waive this requirement. This requirement can be met by combining two or more accounts owned by you
 or related family members.

                   Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 All asset allocation models are developed by the third-party model providers in accordance with investment
 programs developed by these entities. Fiat Wealth will not implement its own methods of analysis. Clients should
 refer to the relevant third-party model provider’s Form ADV Part 2 Brochures or other disclosure documents for
 more information about the methods of analysis used by those firms.

 Investment Strategies
 The investment strategy for a specific client is based upon the objectives stated by the client during consultations
 and documented in the client profile. The client may change these objectives at any time. Each client’s profile
 contains information related to the client’s risk tolerance and any investment restrictions. Any other

Fiat Wealth Management, LLC
Form ADV Part 2A Brochure

 documentation as required by our firm that documents the client’s objectives and their desired investment
 strategy will be retained as part of the client’s file.

 Investing in securities involves risk of loss that clients should be prepared to bear. Clients should fully
 understand the nature of the contractual relationship(s) into which they are entering and the extent of their
 exposure to risk. Certain investing strategies may not be suitable for many members of the public. You should
 carefully consider whether the strategies employed would be appropriate for you in light of your experience,
 objectives, financial resources, and other relevant circumstances.

 Recommendation of Particular Types of Securities: As disclosed under the “Advisory Business” section in this
 Brochure, we provide advice on various types of securities and we do not necessarily recommend one particular
 type of security over another since each client has different needs and different tolerance for risk. Each type of
 security has its own unique set of risks associated with it and it would not be possible to list here all of the specific
 risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in
 very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with
 it.

 General Investment Risk: All investments come with the risk of losing money. Investing involves substantial risks,
 including complete possible loss of principal plus other losses and may not be suitable for many members of the
 public. Investments, unlike savings and checking accounts at a bank, are not insured by the government to protect
 against market losses. Different market instruments carry different types and degrees of risk and you should
 familiarize yourself with the risks involved in the particular market instruments in which you intend to invest.

 Loss of Value: There can be no assurance that a specific investment will achieve its investment objectives and
 past performance should not be seen as a guide to future returns. The value of investments and the income
 derived may fall as well as rise and investors may not recoup the original amount invested. Investments may also
 be affected by any changes in exchange control regulation, tax laws, withholding taxes, international, political and
 economic developments, and governmental economic or monetary policies.

 Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income securities may
 fall in value if interest rates change. Generally, the prices of debt securities rise when interest rates fall, and their
 prices fall when interest rates rise. Longer-term debt securities are usually more sensitive to interest rate changes.

 Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the issuer(s) may
 not make required interest payments. An issuer suffering an adverse change in its financial condition could lower
 the credit quality of a security, leading to greater price volatility of the security. A lowering of the credit rating of
 a security may also offset the security's liquidity, making it more difficult to sell. Funds investing in lower quality
 debt securities are more susceptible to these problems and their value may be more volatile.

 Foreign Exchange Risk: Foreign investments may be affected favorably or unfavorably by exchange control
 regulations or changes in the exchange rates. Changes in currency exchange rates may influence the share value,
 the dividends or interest earned and the gains and losses realized. Exchange rates between currencies are
 determined by supply and demand in the currency exchange markets, the international balance of payments,
 governmental intervention, speculation, and other economic and political conditions. If the currency in which a
 security is denominated appreciates against the US Dollar, the value of the security will increase. Conversely, a
 decline in the exchange rate of the currency would adversely affect the value of the security.

 Risks Associated with Investing in Equities: Investments in equities generally refers to buying shares of stocks by
 an individual or firms in return for receiving a future payment of dividends and capital gains if the value of the
 stock increases. There is an innate risk involved when purchasing a stock that it may decrease in value and the
 investment may incur a loss.

Fiat Wealth Management, LLC
Form ADV Part 2A Brochure
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