Finer Wealth Management Inc

Item 5. Fees and Compensation
      Finer Wealth Management offers services on a fee basis, which includes fixed fees, as well as fees based
      upon assets under management. Additionally, certain of the Firm’s Supervised Persons, in their individual
      capacities, offers securities insurance products under a separate commission-based arrangement.

      Financial Planning and Consulting Fees

      Finer Wealth Management charges a fixed fee for providing financial planning and consulting services
      under a stand-alone engagement. These fees are negotiable, but range from $500 to $10,000, depending
      upon the scope and complexity of the services and the professional rendering the financial planning and/or
      the consulting services. The fee can be for a defined project, such as the delivery of a plan, or for ongoing
      services. If the client engages the Firm for additional investment advisory services, Finer Wealth
      Management can offset all or a portion of its fees for those services based upon the amount paid for the
      financial planning and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement. For project-based services Finer Wealth Management requires one-half of the fee
      (estimated hourly or fixed) payable upon execution of the Advisory Agreement. The outstanding balance
      is due upon delivery of the financial plan or completion of the agreed upon services. Ongoing services are
      charged as described in the investment management section, below. The Firm does not, however, take
      receipt of $1,200 or more in prepaid fees, six or more months in advance of services rendered.

      Investment Management and Wealth Management Fees

      Wealth Management Services

      Finer Wealth Management offers wealth management services for an annual fee based on the amount of
      assets under the Firm’s management. The Firm may also charge an additional fixed fee where the services
      necessary will be in excess of the anticipated asset-based fees. The fixed fee will be negotiated and agreed
      upon with the client. The asset-based management fee varies in accordance with the following blended fee
      schedule:

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 Disclosure Brochure                                                  Finer Wealth Management, Inc.

                                    PORTFOLIO VALUE                        BASE FEE
                                       First $2,000,000                      1.50%
                                       Next $3,000,000                       1.00%
                                       Next $5,000,000                       0.75%
                                      Above $10,000,000                      0.60%

      Investment Management Services

      Finer Wealth Management offers investment management services (separate from financial planning and
      consulting) for an annual fee based on the amount of assets under the Firm’s management. This
      management fee varies in accordance with the following blended fee schedule:

                                    PORTFOLIO VALUE                        BASE FEE
                                       First $2,000,000                      1.00%
                                       Next $3,000,000                       0.75%
                                       Next $5,000,000                       0.60%
                                      Above $10,000,000                      0.50%

      For accounts that are less than $500,000, the firm charges 1.50%. The annual fee for investment
      management and wealth management services is prorated and charged quarterly, in advance. The asset-
      based fee is based upon the market value of the assets being managed by Finer Wealth Management on the
      last day of the previous billing period as determined by a party independent from the Firm (including the
      client’s custodian or another third-party).

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm
      may, in its sole discretion, not include cash in determining the fee, especially where a client has a high
      percentage of cash for reasons other than the Firm's investment management decision. If assets are
      deposited into or withdrawn from an account after the inception of a billing period, the fee payable with
      respect to such assets is not adjusted to reflect the interim change in portfolio value. For the initial period
      of an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement is
      terminated, the fee for the final billing period is prorated through the effective date of the termination and
      the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

      Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
      held-away assets, accommodation accounts, alternative investments, etc.), Finer Wealth Management can
      negotiate a fee rate that differs from the range set forth above. Clients are advised that a conflict of interest
      exists for the Firm to recommend that clients engage Finer Wealth Management for additional services for
      compensation, including rolling over retirement accounts or moving other assets to the Firm’s management.
      Clients retain absolute discretion over all decisions regarding engaging the Firm and are under no obligation
      to act upon any of the recommendations.

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Item 7. Types of Clients
      Finer Wealth Management offers services to individuals (including high net worth individuals), pension
      and profit sharing plans, trusts, estates, charitable organizations, corporations and other business entities.

      Minimum Account Value

      As a condition for starting and maintaining an investment management relationship, Finer Wealth
      Management imposes a minimum portfolio value of $500,000. Finer Wealth Management may, in its sole
      discretion, accept clients with smaller portfolios based upon certain criteria, including anticipated future
      earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related

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 Disclosure Brochure                                                   Finer Wealth Management, Inc.

      accounts, account composition, pre-existing client, account retention, and pro bono activities. Finer Wealth
      Management only accepts clients with less than the minimum portfolio size if the Firm determines the
      smaller portfolio size will not cause a substantial increase of investment risk beyond the client’s identified
      risk tolerance. Finer Wealth Management may, in its sole discretion, combine account values of clients and
      their minor children, joint accounts with their spouse, and other types of related accounts to meet the stated
      minimum.