Lifetime Wealth Management LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4, Advisory Business, this section describes our
services in greater detail and outlines the fees and compensation arrangements for each service.

Financial Planning Services
    Ongoing Comprehensive Planning Services
    We offer ongoing financial planning services which focus on your individual needs and areas
    of specific concern. Full services can include, but are not limited to, the following areas:
        •   Financial position.
        •   Protection planning.
        •   Goal planning.
        •   Education planning.
        •   Tax planning.
        •   Retirement planning.
        •   Estate planning.
    Our investment advisor representatives (“IARs”) meet with you to gather information and
    documentation needed for analysis and review. The IARs assist you in establishing goals
    and objectives and focus on both the above-referenced areas and any additional areas you
    identify.
    After completing their analysis, your IAR(s) prepares a Summary Letter highlighting key
    issues of initial concern and providing recommendations specifically relating to those
    areas. Our IAR(s) typically meet with you two to three times each year. Prior to the
    meeting(s), you may be asked to complete an inventory which is sent to you, in order for
    us to have accurate and current information. This information is then reviewed by our
    IAR(s), along with a ‘questionnaire’ discussed at said meeting, to establish the agenda for
    your coming meeting(s). At the conclusion of each meeting; if there are material changes, you
    will receive a letter summarizing the details discussed and the recommendations made.
    As financial planning services are dependent upon the information you provided, it is
    imperative all details provided to us by you are complete and accurate. We do not assume
    responsibility for verifying information supplied by you, nor are we obligated to do so.
    Fees-- Ongoing comprehensive financial planning services are charged” as an annual fixed
    fee that ranges from $750-$12,000 . The fee is negotiable based on the complexity of your
    circumstances and/or analysis service requested, the scope of services, and our prior
    relationship. Our IAR(s) provide the fee to you prior to any services beginning. Fees are
    billed quarterly in advance and you may elect to pay directly upon invoice or have fees
    deducted from your account.
    If fees are billed directly, payment is due upon your receipt of the billing notice from us. If
    fees are deducted from an account, you are required to provide written authorization to the
    account custodian to allow deduction and direct payment of the fees upon receipt of our fee
    notice. If an agreement for services is signed mid-quarter, fees are prorated based on the
    number of days services are provided during the first billing period.
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Modular Financial Planning Services
We also offer modular financial planning services that address specific areas of concern,
which may include the same categories previously discussed under ‘ongoing
comprehensive planning services.
Our IAR(s) meet with you to collect information and documentation needed for an analysis
focusing on the areas in which you identify during review. As with ongoing
comprehensive planning services, the IARs assist you in determining your goals and
objectives. After completing the review; and if there were material changes made, IAR(s)
will provide a financial plan and Summary Letter of the financial situation focusing on key
areas of concern and related recommendations.
As financial planning services are dependent upon the information you provided, it is
imperative all details provided to us by you are complete and accurate. We do not assume
responsibility for verifying information supplied by you, nor are we obligated to do so.
Fees—Modular financial planning services are charged as an one-time fixed fee ranging
from $500-$5,000. The fee is negotiable based on the complexity of your circumstances
and/or service requested, the scope and level of services, and our prior relationship. The
billing method is agreed upon in advance, and the fee disclosed prior to services beginning.
Fees are billed upon completion of the services requested and are due upon receipt of our billing
invoice.
Termination
Ongoing Comprehensive Planning Services- Either party may terminate services at any
time by providing written notice, effective upon other party receiving the notice. If
services are terminated within five business days of client signing the agreement , services
are terminated without penalty. No fees are due, or a full refund of any fees paid in
advance is provided. If services are terminated after the initial five business day period but
prior to the end of the quarter, fees are refunded on a prorated basis proportionate to the
service days before termination notice. You will receive an invoice outlining provided
services, earned fees, and any applicable refunds.
Modular Financial Planning Services- Modular services generally terminate upon
completion of the requested services. Either party may terminate any service at any time
early by providing written notice, effective upon other party receiving the notice.
If services are terminated within five business days of service agreements signing, services are
terminated without penalty. No fees are due, or a full refund of any fees paid in advance is
provided. If services are terminated after the initial five-day business period, you are billed for
the number of hours expended on the requested services up to the date of termination receipt,
and any fees due are payable upon receiving our detailed billing invoice.

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Item 7 – Types of Clients

We provide investment advice to the following types of clients:
   •   Individuals (including high-net-worth individuals).
   •   Trusts, estates, or charitable organizations.
   •   Corporations or business entities other than those listed above.

All clients are required to enter into a written agreement of services in order to establish and
maintain a client arrangement with us.

Minimum Investment Amount Required
We do not impose any minimum requirements for opening or maintaining accounts.
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