TIA Wealth Management LLC

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged on the market value of the assets on the last business day
of the previous month and are based primarily on asset size and the level of complexity of the
services provided. Fees are not based on the share of capital gains or capital appreciation of the
funds or any portion of the funds. Comparable services for lower fees may be available from
other sources. Fees for the initial month will be prorated based upon the number of calendar
days in the calendar month that the advisory agreement is in effect. Tax & Investment Advisors
will charge an annual fee of 1% for all managed accounts but has the right to negotiate any rate
lower than 1% depending upon the type of client or account. Any negotiated rate shall be stated
in writing and shall be signed by Tax & Investment Advisors and the Client. The fee is
calculated as follows: The market value of the assets on the last business day of the previous
month multiplied by 1/12 of the annual advisor fee.

Tax & Investment Advisors may also utilize the services of a Sub-Advisor to manage Clients’
investment portfolios by executing a Sub-Advisor agreement with other registered investment
advisor firms. When using Sub-Advisors, the Client will not pay additional fees. All fees relating
to the use of Sub-Advisors will be deducted from Tax & Investment Advisors and not incurred
by the Client.

As authorized in the client agreement, the account custodian withdraws Tax & Investment
Advisors advisory fees directly from the clients’ accounts according to the custodian’s policies,
practices, and procedures. The custodial statement includes the amount of any fees paid to Tax
& Investment Advisors for advisory services. You should carefully review the statement from
your custodian/broker-dealer’s statement and verify the calculation of fees. Your
custodian/broker-dealer does not verify the accuracy of fee calculations.

Clients may terminate investment advisory services obtained from Tax & Investment Advisors,
without penalty, upon written notice within five (5) business days after entering into the advisory
agreement with Tax & Investment Advisors. The client is responsible for any fees and charges
incurred by the client from third parties as a result of maintaining the account such as transaction
fees for any securities transactions executed and account maintenance or custodial fees.
Thereafter, the client may terminate advisory services upon written notice delivered to and
received by Tax & Investment Advisors. Clients who terminate investment advisory services
during a month are charged a prorated advisory fee based on the date of Tax & Investment
Advisors receipt of client’s written notice to terminate. Any earned but unpaid fees are
immediately due and payable, and any prepaid and unearned fees will be immediately refunded.
All funds under management shall be liquidated or transferred at market value as of the date of
liquidation or transfer.

Financial planning services will be provided to clients on an as needed basis as part of the asset
management process. Financial planning services are not charged a separate fee as they are
inclusive of the asset management fee.

Additional Fees and Expenses

In addition to advisory fees paid to Tax & Investment Advisors as explained above, clients may
pay custodial service, account maintenance, transaction, and other fees associated with
maintaining the account. These fees vary by broker and/or custodian. Clients should ask Tax &
Investment Advisors for details on transaction fees or other custodial fees specific to their
account, as these fees are not included in the annual advisory fee. Tax & Investment Advisors
does not share any portion of such fees. Additionally, for any mutual funds purchased, the client
may pay their proportionate share of the funds’ distribution, internal management, investment
advisory and administrative fees. Such fees are not shared with Tax & Investment Advisors and
are compensation to the fund manager. Clients are urged to read the mutual fund prospectus
prior to investing.

Mutual fund companies impose internal fees and expenses on clients. These fees are in addition
to the costs associated with the investment advisory services as described above. Complete
details of such internal expenses are specified and disclosed in each mutual fund company’s
prospectus. Clients are strongly advised to review the prospectus(es) prior to investing in such
securities.

Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees that
would not exist if the purchase or sale were made directly with the mutual fund company.
Mutual funds held in broker-dealer accounts also charge management fees. These mutual fund
management fees may be more or less than the mutual fund management fees charged if the
client held the mutual fund directly with the mutual fund company.

Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal
underwriter, or a distributor without purchasing the services of Tax & Investment Advisors or
paying the advisory fee on such shares (but subject to any applicable sales charges). Certain
mutual funds are offered to the public without a sales charge. In the case of mutual funds offered
with a sales charge, the prevailing sales charge (as described in the mutual fund prospectus) may
be more or less than the applicable advisory fee. However, clients would not receive Tax &
Investment Advisors assistance in developing an investment strategy, selecting securities,
monitoring performance of the account, and making changes as necessary.

Please refer to Item 12 “Brokerage Practices” of this brochure for additional information.

Form ADV, Part 2A, Item 6

         Performance-Based Fees and Side-By-Side Management

Tax & Investment Advisors does not charge performance-based fees or participate in side-by-
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Types of Clients

Tax & Investment Advisors offers investment advisory services to individuals and high net
worth individuals. There is no minimum account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

       Methods of Analysis, Investment Strategies, and Risk of Loss

Tax & Investment Advisors methods of analysis and investment strategies incorporate the
client’s needs and investment objectives, time horizon, and risk tolerance. Tax & Investment
Advisors is not bound to a specific investment strategy for the management of investment
portfolios but rather consider the risk tolerance levels pre-determined at the account opening, as
well as on an on-going basis. Examples of methodologies that our investment strategies may
incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return
to a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount
of securities at regularly scheduled intervals, regardless of the price per share. This will
gradually, over time, decrease the average share price of the security. Dollar-cost averaging
lessens the risk of investing a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to
predict the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those
securities will grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year, to take advantage of the securities’
short term price fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage your portfolio with strategies and in a manner consistent with your risk tolerances, there
can be no guarantee that our efforts will be successful. You should be prepared to bear the risk
of loss.

All investments involve the risk of loss, including (among other things) loss of principal, a
reduction in earnings (including interest, dividends, and other distributions), and the loss of
future earnings. These risks include market risk, interest rate risk, issuer risk, and general
economic risk. Regardless of the methods of analysis or strategies suggested for your particular
investment goals, you should carefully consider these risks, as they all bear risks.

Tax & Investment Advisors primary goal for investing is to help the client maintain purchasing
power over the long term. This may result in short-term variability and loss of principal. Time
horizon and risk tolerance are key determinates of the proper asset allocation. Tax & Investment
Advisors approach focuses on taking appropriate risks for which clients are compensated (i.e.
market risk) and seeking to limit or eliminate risks that do not provide compensation over the
long term (i.e. individual stock risk or lack of portfolio risk).

Below are some more specific risks of investing:

Market Risk. The prices of securities in which clients invest may decline in response to certain
events taking place around the world, including those directly involving the companies whose
securities are owned by the client or an underlying fund; conditions affecting the general
economy; overall market changes; local, regional or global political, social or economic
instability; and currency, interest rate and commodity price fluctuations. Investors should have a
long-term perspective and be able to tolerate potentially sharp declines in market value.

Management Risk. Tax & Investment Advisors investment approach may fail to produce the
intended results. If our perception of the performance of a specific asset class or underlying fund
is not realized in the expected time frame, the overall performance of client’s portfolio may
suffer.

Equity Risk. Equity securities tend to be more volatile than other investment choices. The value
of an individual mutual fund or ETF can be more volatile than the market as a whole. This
volatility affects the value of the client’s overall portfolio. Small- and mid-cap companies are
subject to additional risks. Smaller companies may experience greater volatility, higher failure
rates, more limited markets, product lines, financial resources, and less management experience
than larger companies. Smaller companies may also have a lower trading volume, which may
disproportionately affect their market price, tending to make them fall more in response to
selling pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and
principal payments when due. Generally, the lower the credit rating of a security, the greater the
risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower
rating, the value of the debt security will decline because investors will demand a higher rate of
return. As nominal interest rates rise, the value of fixed income securities is likely to decrease. A
nominal interest rate is the sum of a real interest rate and an expected inflation rate.

Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may
be affected by adverse political, legislative and tax changes, as well as by financial developments
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