IHT Wealth Management LLC

Item 5: Fees and Compensation

be used, the client should discuss with their investment adviser representative whether a share
class from a comparable mutual fund with a more favorable return to investors is available that
does not include the payment of any 12b-1 or revenue sharing fees given the client’s individual
needs and priorities and anticipated transaction costs. In addition, the receipt of such fees can
create conflicts of interest in instances (i) where our adviser representative is also licensed as a
registered representative of a broker-dealer and receives a portion of 12b-1 and or revenue
sharing fees as compensation – such compensation creates an incentive for the investment
adviser representative to use programs which utilize funds that pay such additional
compensation; and (ii) where the custodian receives the entirety of the 12b-1 and/or revenue
sharing fees and takes the receipt of such fees into consideration in terms of benefits it may
elect to provide to the firm, even though such benefits may or may not benefit some or all
of the firm clients.
Additional Disclosure Concerning Wrap Programs: To the extent that we either sponsor or
recommend wrap fee programs, please be advised that certain wrap fee programs may (i) allow
our investment adviser representatives to select mutual fund classes that either have no
transaction fee costs associated with them but include embedded 12b-1 fees that lower the
investor’s return (“sometimes referred to as “A-Shares,” depending on the mutual fund issuer),
or (ii) allow the use of mutual fund classes that have transaction fees associated with them but
do not carry embedded 12b-1 fees (sometimes referred to as “I-Shares,” depending on the
mutual fund sponsor). Wrap fee programs offer investment services and related transaction
services for one all-inclusive fee (except as may be described in the applicable wrap fee program
brochure). The trading costs are typically absorbed by the firm and/or the investment
representative. If a client’s account holds A-Shares within a wrap fee program, the firm and/or its
investment adviser representative avoids paying the transaction fees charged by other mutual
fund classes, which in effect decreases the firm’s costs and increases its revenues from the
account. Effectively, the cost is transferred to the client from the firm in the form of a lower rate
of return on the specific mutual fund. This creates an incentive for the firm or investment adviser
representative to utilize such funds as opposed to those funds that may be equally appropriate
for a client but do not carry the additional cost of 12b-1 fees. As a policy matter, the firm does
not allow funds that impose 12b-1 or revenue sharing fees on the client’s investment within its
wrap fee programs. Clients should understand and discuss with their investment adviser
representative the types of mutual fund share classes available in the wrap fee program and the
basis for using one share class over another in accordance with their individual circumstances
and priorities.

Affiliated Adviser Conflicts: IHT Wealth Management, LLC is affiliated with Riverwalk Capital
Partners, LLC, a private fund adviser, and IHT Securities, LLC, a registered broker-dealer. These
affiliations may give rise to potential conflicts of interest, including allocation of management
time and resources, overlapping personnel or service providers, information-sharing
considerations, and reputational or regulatory risks associated with affiliate activities. The Firm
seeks to address these conflicts through disclosure, operational separation of advisory activities,
and policies and procedures designed to manage conflicts consistent with its fiduciary
obligations to clients.

                      Part 2A of Form ADV: IHT Wealth Management LLC Brochure

Item 7: Types of Clients
IHT provides investment advice to individuals, pension and profit sharing plans, charitable
organizations and trusts.

Account Requirements:

Other than for the LPL Financial–sponsored GWP program, IHT has no requirement for a
minimum initial account size. A minimum account value of $5,000 is required to enroll in the
GWP Managed Service. IHT investment advisory services may not be beneficial for certain asset
levels or account sizes, as the relatively higher advisory fees and trading and transaction costs
negatively impact performance.

General Note Regarding Managed Account Platforms and Wrap Programs:

Access to certain third-party money managers, platforms, and programs are often limited to
certain types of accounts and are subject to account minimums, which will vary and are
negotiable depending upon the third-party money managers, platforms, and programs
selected. Such minimums will be disclosed through separate disclosure documents.

                     Part 2A of Form ADV: IHT Wealth Management LLC Brochure