Terra Wealth Management LLC

Item 5 – Fees and Compensation

   A. Fee Schedule for Advisory Services

Terra Wealth charges an annual advisory fee based upon the assets under management, average
daily balance or a flat dollar fee that is agreed upon with each Client and set forth in an agreement
executed by Terra Wealth and the Client. Assets under management fees range up to 2.00%, billed
either monthly in arrears or quarterly in advance (“Billing Period”). Quarterly fees are billed based
on the assets under management at the end of the previous Billing Period. Monthly fees are billed
based on the average daily balance throughout Billing Period. Terra Wealth’s advisor fees are
negotiable and are based on several factors as described below. The advisory fee for the initial
Billing Period (or part thereof) is payable on a pro rata basis based on the initial value of assets
deposited into an account managed by Terra Wealth and the number of calendar days in the partial
Billing Period and is paid following the establishment of the Client account. For subsequent Billing

Terra Wealth Management, LLC                                                 Disclosure Brochure

Periods, the advisory fee is typically payable in advance or arrears. The Advisor may charge fees
based on certain legacy arrangements with clients, that differ from the fee details above.

Notwithstanding the foregoing, Terra Wealth and the Client may choose to negotiate an annual
advisory fee that varies from the schedule set forth above. Factors upon which a different annual
advisory fee may be based include, but are not limited to, the size and nature of the relationship,
the services rendered, the nature and complexity of the products and investments involved, time
commitments, and travel requirements. The advisory fee charged by the Firm will apply to all of
the client’s assets under management, unless specifically excluded in the client agreement. The
advisory fee may include the financial planning services described above. All securities held in
accounts managed by Terra Wealth will be independently valued by the Custodian. The Advisor
will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

Clients have five (5) business days from the date of execution of the client agreement to terminate
Terra Wealth’s services without being charged a fee. The investment advisory agreement between
Terra Wealth and the client may be terminated at will by either Terra Wealth or the client upon
written notice. Terra Wealth does not impose termination fees when the client terminates the
investment advisory relationship, except when agreed upon in advance.

Terra Wealth ’s fee generally does not cover mark-ups or mark-downs for fixed income
transactions. Fixed income transactions usually are cleared net, without any commissions.
However, the broker-dealers executing fixed income transactions typically assess mark-ups or
other trading related costs that are embedded into the price of the security allocated to client
accounts. Terra Wealth’s fee also does not cover transaction fees or “trade away” fees imposed
for trades placed away from Fidelity, Inc., the program broker. External Managers of fixed
income securities, in particular, may trade through other broker-dealers in order to obtain best
execution.

Use of External Managers – For Clients referred by the Advisor to an External Manager, the
Client’s fee will be deducted from the Client’s account[s] by the Advisor and a portion of the fee
will be provided to Terra Wealth based on Terra Wealth’s agreement with the Client. Terra
Wealth is responsible for negotiating the fees with the External Manager on behalf of the Client.
Terra Wealth does not receive any compensation or fees from the External Manager. External
Manager fees are detailed in the relevant Disclosure Documents and such fees are in addition to
the advisory fees paid to Terra Wealth.

Use of TAMPs – As noted in Item 4, the Advisor may periodically recommend and refer Clients
to a TAMP. For Client accounts that are managed by a TAMP, the Client’s fee will be deducted
from the Client’s account[s] by the TAMP, or Advisor consistent with the fee schedule above.
The Advisor does not earn any compensation from TAMPs and will only earn its investment
advisory fee as described above.

       Terra Wealth offers its clients financial planning services. Such services, for some clients,
       may be included as part of the annual advisory fee. Clients may also enter into a separate
       agreement with Terra Wealth for financial planning services. Such fee is negotiable and
       is based on either an hourly rate that varies, depending on the experience, knowledge, and

Terra Wealth Management, LLC                                                  Disclosure Brochure

       skill of those performing the services on behalf of Terra Wealth, or a flat fee agreed upon
       in writing by Terra Wealth and the client.

       The hourly rate for ad-hoc and project-based consultations for clients varies depending
       on the services provided and the experience, knowledge, and skill of those performing the
       services on behalf of Terra Wealth. Hourly rates may generally range from $250 to $500
       per hour. The scope and charges of all hourly ad-hoc work must be agreed-upon in writing
       by Terra Wealth and the client before any billing begins.

   B. Payment of Fees

       Terra Wealth generally deducts its advisory fee from a client’s investment account(s) held
       at his/her custodian. Upon engaging Terra Wealth to manage such account(s), a client
       grants Terra Wealth this limited authority through a written instruction to the custodian
       of his/her account(s). The client is responsible to verify the accuracy of the calculation of
       the advisory fee; the custodian will not determine whether the fee is accurate or properly
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Item 7 - Types of Clients
       Terra Wealth offers investment advisory services to individuals, including high net worth
       individuals, families, family offices, trusts, businesses, charitable foundations, and
       retirement/profit-sharing plans. Terra Wealth generally requires a minimum relationship
       size of $50,000 to effectively implement its investment process. This amount may be
       waived or reduced at the sole discretion of the Advisor.