Lifetime Wealth Management PC

Fees and Compensation
  Description
     LIFETIME WEALTH MANAGEMENT bases its fees on a percentage of assets
     under management, hourly charges, and fixed fees.
      Financial plans are priced based on the complexity of the Client’s situation.
      Asset management fees, minimum financial plan fees, and hourly charges are
      non-negotiable.
      See Types of Agreements above for the compensation related to the various
      services provided by LIFETIME WEALTH MANAGEMENT.

  Fee Billing
      Investment management fees are billed quarterly in advance, meaning we
      invoice you before the three-month billing period begins. Payment in full is
      expected upon presentation of the invoice. Fees are usually deducted from a
      designated Client account to facilitate billing. The Client must consent in
      advance to the direct debiting of their investment account.
      Fees for financial plans are traditionally billed 50% in advance, with the balance
      due upon delivery of the financial plan. In certain situations, where unique
      complexities exist, a progress billing method is used.

                          Lifetime Wealth Management P.C.

Other Fees
    Custodians may charge transaction fees on purchases or sales of certain
    mutual funds and exchange-traded funds. These transaction charges are
    usually small and incidental to the purchase or sale of a security. The selection
    of the security is more important than the nominal fee that the Custodian
    charges to buy or sell the security.
    LIFETIME WEALTH MANAGEMENT, in its sole discretion, may waive its
    minimum fee and/or charge a lesser investment advisory fee based upon
    certain criteria (e.g., historical relationship, type of assets, anticipated future
    earning capacity, anticipated future additional assets, dollar amounts of assets
    to be managed, related accounts, account composition, negotiations with
    Clients, etc.).
    To better advise/consult clients, Investment Advisors of Lifetime Wealth
    Management may also be licensed insurance agents, holding life and/or
    Property and Casualty licenses. Jason A. Potts, 100% Stockholder of Lifetime
    Wealth Management, is also a 100% Stockholder of Lifetime Insurance
    Services, Inc. As a result of this, if you elect to buy insurance products, then
    Investment Advisors of Lifetime Wealth Management, who are also licensed
    insurance agents of Lifetime Insurance Services, Inc., could receive a
    commission from the insurance sales, which includes life, accident, disability,
    fixed annuities, and property and casualty. This presents a conflict of interest
    because they could receive a commission for these services, which are
    separate from and outside of the services provided to you by Lifetime Wealth
    Management. While the receipt of additional compensation creates a potential
    conflict of interest, our clients are under no obligation to purchase insurance
    products through agents of Lifetime Insurance Services, Inc. Lifetime Insurance
    Services, Inc. also employ insurance agents who are not employed by Lifetime
    Wealth Management. Lifetime Wealth Management believes that our
    recommendations are in the best interests of our clients and are consistent with
    our Client’s needs.

    Jason A. Potts is also 80% Shareholder of Lifetime Tax Advisors, Inc., a tax
    advising firm providing compliance, tax, and consulting services and tax
    preparation to clients, which is separate from portfolio management, financial
    planning, consulting, and other services provided to you by Lifetime Wealth
    Management. Therefore, clients of Lifetime Wealth Management may also be
    clients of Lifetime Tax Advisors, Inc.

Expense Ratios
   Mutual funds and exchange-traded funds generally charge a management fee
   for their services as investment managers. The management fee is called an
   expense ratio. For example, an expense ratio of 0.50 means that the mutual
   fund company charges 0.5% for their services. These fees are in addition to
   the fees paid by you to LIFETIME WEALTH MANAGEMENT.

                        Lifetime Wealth Management P.C.

       Performance figures quoted by mutual fund companies in various publications
       are after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
       LIFETIME WEALTH MANAGEMENT reserves the right to stop work on any
       account that is more than 30 days overdue. In addition, LIFETIME WEALTH
       MANAGEMENT reserves the right to terminate any financial planning
       engagement where a Client has willfully concealed or has refused to provide
       pertinent information about their financial situations when necessary to provide
       proper financial advice. Any unused portion of fees collected in advance will be
       refunded within 30 days.

Performance-Based Fees and Side-By-Side
Management

Types of Clients
   Description
      LIFETIME WEALTH MANAGEMENT generally provides investment advice to
      individuals, estates, charitable organizations, corporations, and/or business
      entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      The minimum account size is $1,000,000 in assets under management and/or
      a net worth of $2,000,000.
       LIFETIME WEALTH MANAGEMENT has the discretion to waive the account
       minimums. Other exceptions will apply to employees of LIFETIME WEALTH
       MANAGEMENT and their relatives, or relatives of existing Clients or Client
       relationships that existed prior to the account minimum rate being set to
       $1,000,000 and/or a minimum net worth of 2 million.
       Clients with assets below the minimum account size may pay a higher
       percentage rate on their annual fees than Clients with greater assets under
       management.
       Some Client contracts may reflect a higher/lower management fee that was
       agreed upon prior to the existing fee schedule and prior to the account
       minimums being set at $1,000,000 and/or a minimum net worth of 2 million.

Methods of Analysis, Investment Strategies and Risk
of Loss