Linda S Lubitz CFP PA

Item 5 | Fees and Compensation

We are strictly a fee-only financial planning and investment management firm. We do not sell any
investment products, such as annuities, insurance, stocks, bonds, mutual funds, limited partnerships,
or other commissioned products that pay our firm any compensation. No commissions in any form are
accepted. No finder’s fees or referral fees are accepted. We receive compensation only from our clients.

Financial Planning Services
Typically, the fees we charge for Financial Planning are separate from our Investment Management
Services. The Financial Planning fee is based upon a percentage of an adjusted Net Worth for billing
purposes as articulated in the table below. Fifty percent (50%) of the planning fee is due to commence
the relationship with the remaining balance due upon the completion and delivery of the plan. Our
minimum financial planning fee is $2,000.

Net Worth                         Financial Planning Fee
First $2,000,000                  .20% of Net Worth ($2,000 minimum fee)
Next $3,000,000                   .10% of Net Worth
Next $5,000,000                   .05% of Net Worth
Amounts of $10,000,000            .03% of Net Worth

Methodology to Calculate Net Worth (for Financial Plan Fee Billing Purposes)

   Meira Wealth Brochure – Form ADV                                                                     8

What's Included
•      Cash and deposits
•      Investments (non-retirement accounts)
•      Retirement accounts
•      Annuities (or the cash surrender value)
•      NET value of investment real estate (using publicly available sources such as Zillow, Trulia,
       or tax assessed value)
•      529 plans/UTMA Accounts
•      HSA (Health Savings Accounts) accounts (value of investment holdings)
•      Stock compensation - vested value
•      Private notes / loans
•      All other liabilities or loans (outside of real estate mortgages)
•      Life insurance cash surrender value

What’s Not Included
•      Primary residence              •       Pension benefit
•      Private or family business     •       Immediate annuity

Terminating Planning Engagements

A client may terminate the Client Advisory Agreement at any time by providing written notice to our
firm. The client will incur a pro-rata charge for services rendered prior to the termination of the
agreement. If there are pre-paid advisory fees that we have not yet earned, the client will receive a
prorated refund of those fees.

For clients solely electing to receive a one-time financial plan, upon the completion of the financial plan,
the delivery of the Financial Planning Services by Meira Wealth is considered complete and the Client
Advisory Agreement is terminated. Unless extended in writing, the Agreement for Financial Planning
Services will terminate no later than 18 months after signing.

Investment Management Services

Our fee for Investment Management Services is based on a percentage of your assets we manage
according to the following fee schedule*:

Assets Under Management                     Annual Fee
First $2,000,000                            @ 1.0% ($5,000 minimum Annual Fee)
Next $3,000,000                             @ 0.7%
Next $5,000,000                             @ 0.6%
Next $10,000,000                            @ 0.5%
Amounts above $20,000,000                   @ 0.4%
*Older client relationships may be subject to a different fee schedule than stated above.
   Meira Wealth Brochure – Form ADV                                                                     9

The Investment Management fee can be influenced by several factors including the composition of the
account, the nature of the account, the existence of related accounts, the source of the account, the
complexity of the account and when the account was established, and as a result, may change. Current
client relationships may exist where the fees are higher or lower than the fee schedule above.
Occasionally, various related client accounts may be grouped together to qualify for reduced advisory
fees. This is typically referred to as "household aggregate" billing.

Generally, our annual Investment Management fee is billed and payable quarterly in advance based on
the gross value of a client account on the last business day of the previous quarter. We reserve the right
to bill an additional fee if more than $50,000 in assets are added to the accounts during a quarter or adjust
the fee if at least $50,000 in assets are withdrawn during a quarter. When a new account is implemented
during a quarter, Meira Wealth will prorate the fee and bill in arrears on such new account at the time
of the initial quarterly billing. Although the Client Advisory Agreement is an ongoing agreement and
constant adjustments are required, the length of service is at the client’s discretion. A client may
terminate the Client Advisory Agreement at any time by notifying our firm in writing. We may terminate
the Client Advisory Agreement at any time by notifying a client in writing. The Client shall be responsible
for Investment Management Fees up to and including the effective date of termination. Meira Wealth
will refund any unearned, prepaid fees based on the number of days remaining in the quarter from the
day following the effective date of termination to the end of the quarter. For every resigned account, we
confirm the action to a client via a letter. These fees are either reimbursed directly into the client
account or by a company check made payable to the account holder.

We will deduct our fee directly from the client account through the qualified custodian holding your funds
and securities. It may be possible to pay our fees directly by check, however, there may be an
administrative fee assessed for this method of payment. We will deduct our advisory fee only when
written authorization permitting the fees to be paid directly from an account has been given. Further,
...

Item 7 | Types of Clients

Description

We generally provide investment advice to individuals, pension and profit-sharing plans, trusts, estates,
charitable organizations, corporations, or business entities.

Account/Fee Minimums

The minimum account size for Investment Management Services is $500,000 of assets under
management, which equates to an annual fee of $5,000. When an account falls below $500,000 in
value, the minimum annual fee of $5,000 is typically charged. We have the discretion to waive the
account minimum. Accounts of less than $500,000 may be set up when we, and the client, anticipate
the client will add additional funds to the accounts bringing the total to $500,000within a reasonable
time. Other exceptions may apply to employees of our firm and their relatives, or relatives of existing
clients.

The minimum fee for Financial Planning services is $2,000 and is negotiable based on the complexity
associated with the client's situation.