TLWM LLC

Item 5: Fees & Compensation

How we are compensated for our advisory services provided to you.

Asset Management:

                     Assets Under Management                          Annual Percentage of Assets Charge
                             Any Assets                                          Up to 2.25%

The annual fee assessed to your accounts is negotiable and will be determined on a case-by-case basis
and will be detailed in our Asset Management Agreement. Our firm’s fees are billed on a pro-rata
annualized basis quarterly in advance based on the value of your account on the last day of the
previous quarter. Fees will generally be automatically deducted from your managed account. Please
note that fees will be adjusted by TLWM for the aggregate total of deposits and withdrawals that are
in excess of $10,000 made during the quarter. Unless otherwise agreed to in writing, fees will be
assessed on cash and cash equivalents. If LPL or your custodian handles billing, please refer to their
specific policy for more information.

As part of this process, you understand and acknowledge the following:

a) Your custodian sends statements at least quarterly to you showing all disbursements for your
   account, including the amount of the advisory fees paid to us;
b) You provide authorization permitting fees to be directly paid by these terms;
c) TLWM, LLC, your custodian or LPL Financial calculates the advisory fees for all flat fee schedules
   and deducts them from your account; and
d) TLWM, LLC, your custodian or LPL Financial calculates all tiered advisory fee accounts. Your
   custodian will deduct advisory fees from your account.

In certain cases, we will directly bill the client.

1Please note that our method for computing the amount of “client assets we manage” can be different from the method for computing “assets under
management” required for Item 5.F in Part 1A of Form ADV. However, we have chosen to follow the method outlined for Item 5.F in Part 1A of Form
ADV. If we decide to use a different method at a later date to compute “client assets we manage,” we must keep documentation describing the method
we use and inform you of the change. The amount of assets we manage may be disclosed by rounding to the nearest $100,000. Our “as of” date must
not be more than three months before the date we last updated our Brochure in response to Item 4.E of Form ADV Part 2A.

ADV Part 2A – Firm Brochure.ADV2A.2026.03.24 Page 7               TLWM, LLC

Financial Planning & Consulting

We charge on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of
our engagement with you. Our hourly fees are $600. Flat fees generally range up to $10,000. We
require the entire financial planning or consulting fee at the time our plan is delivered or consultation
is rendered to you.

We also offer a subscription Financial Planning service which will be billed monthly in advance. Fees
for this service will not exceed $100 per month and will be detailed in the executed agreement.
Payments will be processed via AdvicePay, a payment processor built specifically for Financial
Planners. AdvicePay simplifies billing by allowing for subscription billing while remaining compliant
with custody regulations. Eligible payment options for FP&C fees are limited to Credit Card and ACH.
Invoices paid with credit cards and debit cards process immediately and should be deducted
from your bank account within 1-2 business days.

In all cases, we will not require a retainer exceeding $1,200 when services cannot be rendered within
6 (six) months. You acknowledge that:

    a) You may provide authorization in the advisory agreement for financial planning and
       consulting services to renew automatically on an annual basis; and
    b) You may instruct your custodian to deduct the annual financial planning and consulting fees
       from your specified account.

LPL Financial Sponsored Advisory Programs:

The account fee charged quarterly in advance to the client for each LPL Financial advisory program
is negotiable, subject to the following maximum account fees:

              Advisory Program                             Annual Percentage of Assets Charge
             Manager Access Select                                    Up to 2.50%
            Manager Access Network                                    Up to 2.50%
        Model Wealth Portfolios Program                               Up to 2.50%
      Optimum Markets Portfolios Program                              Up to 2.50%
       Personal Wealth Portfolios Program                             Up to 2.50%

*The MWP account fee consists of an LPL program fee, a strategist fee (if applicable) and an advisor fee
of up to 2.00%. Accounts remaining under the legacy fee structure may be charged one aggregate
account fee, for which the maximum account fee is 2.50%. See the MWP program brochure for more
information.

LPL Financial serves as program sponsor, investment advisor and broker-dealer for the LPL Financial
advisory programs. Our firm and LPL Financial share in the account fee and other fees associated with
program accounts.

TLWM receives compensation as a result of a client’s participation in an LPL program. Depending on,
among other things, the type and size of the account, type of securities held in the account, changes in its
value over time, the ability to negotiate fees or commissions, the historical or expected size or number
of transactions, and the number and range of supplementary advisory and client-related services
provided to the client, the amount of this compensation may be more or less than what TLWM would

ADV Part 2A – Firm Brochure.ADV2A.2026.03.24 Page 8   TLWM, LLC

receive if the client participated in other programs, whether through LPL or another sponsor, or paid
...

Item 7: Types of Clients & Account Requirements

We have the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations; and
   • Corporations, partnerships, limited liability companies and/or other business types

Our requirements for opening and maintaining accounts or otherwise engaging us:
   • We will review each client on an individual case by case basis to determine the suitability of
       our offerings to their needs.
   • We generally charge a minimum fee of $500 for written financial plans. We may waive the
       minimum fee and/or plan may be offered without charge in certain circumstances.
   • The minimum account requirements imposed by the LPL Sponsored Advisory Programs are
       as follows:
           o A minimum account value of $15,000 is required for OMP.
           o A minimum account value of $250,000 is required for PWP.
           o A minimum account value of $50,000 is required for MWP.
           o A minimum account value of $100,000 is required for Manager Access Select,
               however, in certain instances, the minimum account size may be lower or higher.