MWM Wealth Advisory LLC

Types of Clients
 MWM generally provides investment advice to individuals, high net worth individuals, and
 small businesses.
 Client relationships vary in scope and length of service.

             Item 6: Portfolio Manager Selection and Evaluation
Portfolio Manager
 Nathan Millerbernd, Managing Member, will manage all Program accounts. He has been in
 the financial services industry since 1999 and an investment advisor representative since
 2000. Since no other persons, affiliated or unaffiliated will manage the wrap program,
 there are no additional processes for selection or review of managers. Clients make the
 decision to select MWM as their portfolio manager.

                                  MWM Wealth Advisory, LLC

 Since all programs are managed by Nathan Millerbernd, there is no conflict of interest
 regarding portfolio managers.
Conflicts of Interest
 The Program may cost the Client more or less than purchasing Program services
 separately. Factors that bear upon the cost of the Program account in relation to the cost of
 the same services purchased separately include: the type and size of the account, the
 historical and/or expected size or number of trades for the account, and the number and
 range of supplementary advisory and Client related services provided to the account.
 The Annual Fee is an ongoing fee for investment advisory services and may cost the Client
 more than if the assets were held in a traditional brokerage account. In a brokerage
 account, a Client is charged a commission for each transaction and the representative has
 no duty to provide ongoing advice with respect to the account. If the Client plans to follow
 a buy and hold strategy for the account or does not wish to purchase ongoing investment
 advice or management services, the Client should consider opening a brokerage account
 rather than a Program account.
 MWM receives compensation as a result of the Client’s participation in the Program. The
 amount of this compensation may be more or less than what MWM would receive if the
 Client participated in other programs or paid separately for investment advice, brokerage
 and other Client services. Therefore, MWM may have a financial incentive to recommend
 the Program account over other programs and services. MWM acts as the portfolio
 manager for the Program and retains the management fee less execution costs. This may
 create a conflict of interest because MWM may have a disincentive to trade securities in
 the account to keep the execution costs low therefore retaining a larger portion of the
 management fee.
Advisory Business
 MWM offers clients an asset management account through the Program in which MWM
 directs and manages Program assets for client.
 Client provided goals and objectives are documented in individual client files. Investment
 strategies are created that reflect the stated goals and objective.
Sharing of Capital Gains
 Fees are not based on a share of the capital gains or capital appreciation of managed
 securities.
 MWM does not use a performance-based fee structure because of the potential conflict of
 interest. Performance-based compensation may create an incentive for the adviser to
 recommend an investment that may carry a higher degree of risk to the client.