Toberman Becker Wealth LLC

Item 5: Fees and Compensation
How we are paid depends on the type of advisory service we are performing. Please review the fee and
compensation information below.

Investment Advisory & Financial Planning Services

Our standard advisory fee is based on the market value of the assets under management and is calculated
as follows:

                     Account Value                                   Annual Advisory Fee

            All Assets Under Management                                       0.75%

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Clients generally pay seventy-five (75) basis points based on the market value of the assets being managed
by the Firm. TBW, in its sole discretion, may negotiate to charge a lesser fee based upon certain criteria,
such as the complexity of the client’s portfolio, the level of expertise required to service the account, the
staff time involved in servicing the account, pre-existing client relationships, anticipated future additional
assets, dollar amount of assets to be managed, account retention and pro bono activities among other
factors. Related client accounts may be aggregated for purposes of calculating fees. TBW may waive its
advisory fee at any time when it deems it appropriate and/or necessary.

TBW may include the value of any held away investment accounts when calculating the total advisory fee for
accounts in which TBW provides ongoing advice and supervision, and that we conduct periodic reviews of.
These accounts may include 529 Plans, 401(k) and other employer sponsored tax qualified accounts, as well
as other brokerage accounts that the client maintains at other financial institutions.

Advisory fees are paid in arrears on a quarterly basis based on the account value as of the last business day
of the quarter. We calculate period-end account values after all dividends and/or interest settle into the
account. Therefore, the account value used to calculate advisory fees may differ from that of the custodial
account statement.

Advisory fees are directly debited from Client accounts held at a qualified custodian, or the Client may
choose to pay by check. Accounts initiated or terminated during a calendar quarter will be charged a
prorated fee based on the amount of time remaining in the billing period. An account may be terminated
with written notice at least 30 calendar days in advance. Since fees are paid in arrears, no refund will be
needed upon termination of the account.

Other Types of Fees and Expenses

TBW serves families in a fee-only, independent, and fiduciary capacity. We are never compensated by
another party other than the Client. Our fees are exclusive of brokerage commissions, transaction fees, and

                                        Date of Brochure: February 16, 2026

other related costs and expenses which may be incurred by the Client. Clients may incur certain charges
imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges,
odd-lot differentials, transfer taxes, wire transfer, and electronic fund fees, and other fees and taxes on
brokerage accounts and securities transactions. Mutual fund and exchange-traded funds also charge
internal management fees, which are disclosed in a fund's prospectus. Such charges, fees, and commissions
are exclusive of and in addition to our fee, and we shall not receive any portion of these commissions, fees,
and costs.

Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for
Client’s transactions and determining the reasonableness of their compensation (e.g., commissions).

We do not accept compensation for the sale of securities or other investment products including
asset-based sales charges or service fees from the sale of mutual funds.

                                        Date of Brochure: February 16, 2026

Item 7: Types of Clients
We provide financial planning and investment advisory services to individuals and high net-worth
individuals. We specialize and do our best work with investors who are aged 50+ and retired or planning
their next phase. We work with clients located in St. Louis, Missouri and remotely.

We do not have a minimum account size requirement to open or maintain an account under our
management.

                                      Date of Brochure: February 16, 2026