Retirewise Tax and Wealth Advisors Inc

Item 5 - Fees and Compensation

Advisory Services

For Charles Schwab & Co., Inc. accounts, investment advisory fees are charged based on a percentage
of assets in the client’s account(s), and directly deducted monthly in arrears based on the average daily
balance of the account(s) during the current billing period. If the advisory engagement begins or ends at
any time other than the first day of the billing period, our fees will apply on a pro rata basis, which means
that the advisory fee is payable in proportion to the number of days for which you are a client.

Capital Group billing of fees is different from Schwab in that its fees are calculated based on the average
eligible assets in the account times the advisory fee rate times the number of days in the advisory fee
quarter divided by the number of days in the year and billed at the end of each quarter.

Our annual fee for investment advisory services is not to exceed 1.5% of assets in the account, and
varies based on individual client circumstances and services received from RetireWise such as, but not
limited to CPA services, estate and Trust document preparation, and/or time spent with an attorney or
the client, relative complexity or simplicity of certain client financial situations, and whether the Client has
purchased insurance products from RetireWise Tax and Wealth Advisors, Inc.

Fees owed to any other adviser (i.e., the selected TPAM and selected third-party sub-adviser and/or
model managers) working in conjunction with RetireWise (e.g., a TPAM serving as a sub/co-adviser)
shall be included in the total advisory fee, not to exceed 1.5% annually. Some advisory fees may be
reduced by client specific circumstances and said clients’ negotiating fees.

The investment advisory fees that you pay will be deducted from your account. Our Advisory Client
Agreement along with the Fee Disclosure will require your authorization for such payment deduction. If
you find any inconsistent or inaccurate information within these statement(s) sent to you from the acting
custodian, please call our main office number located on the cover page of this Disclosure Brochure. And
as mentioned already in the Financial Planning section, in some circumstances, RetireWise may charge
a planning fee and it can be paid from within an account or otherwise, as agreed upon by RetireWise
and the client.

You may terminate the advisory engagement and/or planning agreement upon written notice to our firm.
You will incur a pro rata charge for services rendered prior to the termination of the agreement, which
means you will incur advisory and/or planning fees only in proportion to the number of days in the month
for which you are a client.

RetireWise Tax and Wealth Advisors, Inc.       Form ADV Part 2A                  Version March 11, 2026

Additional Fees and Expenses

As part of our investment advisory services, we may recommend mutual funds and exchange traded
funds or REITs. The fees that clients pay our firm for investment advisory services are separate and
distinct from the fees and expenses charged by these investment products (described in each fund's
prospectus) to their shareholders. These fees will generally include a management fee and other fund
expenses such as trading costs for mutual funds. Clients may also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian. We do not share in any portion of the brokerage fees/transaction charges
imposed by the broker-dealer or custodian due to our fiduciary relationship with our clients. To fully
understand the total cost, clients should review all the fees charged by mutual funds, exchange traded
funds, our firm, and others. For information on our brokerage practices, refer to the Brokerage Practices
section of this brochure.

Compensation for the Sale of Other Financial Products

Investment Advisor Representatives of our firm are licensed as independent insurance agents and may
earn commission-based compensation for selling insurance products. Insurance commissions are
separate from our advisory fees, but not in addition to. It is worthy to note, insurance products are being
offered under RetireWise Tax and Wealth Advisors, Inc. This practice may present a conflict of interest.
To mitigate any potential conflicts of interest, our firm and our investment advisor representatives always
act in our client’s best interest. Clients are under no obligation, contractually or otherwise, to purchase
insurance products through any person affiliated with our firm.

Item 7 - Types of Clients

We typically offer investment advisory services to individuals, high net worth individuals, and other entities.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, some third-party asset managers that we recommend may impose a minimum account
requirement to open an account on their platform. Clients should refer to the disclosure brochure (ADV
Part 2) of each subadvisor/TPAM for more information on any account minimums that might be imposed.