Total Investment Management Inc

Item 5. Fees and Compensation
TIM offers its services on a fee basis, which depending on the program selected, includes either fixed fees or fees
based upon assets under management. Additionally, certain of TIM’s Supervised Persons, in their individual
capacities, offer insurance products under a commission arrangement as they feel appropriate given the client’s
individual needs and circumstances.

Investment Management Fee (also referred to as “Advisory Fee”)

TIM’s annual Advisory Fee is exclusive of, and in addition to, brokerage commissions, transaction fees, and other
related costs and expenses that are incurred by the client, as discussed below. TIM does not, however, receive
any portion of these commissions, transaction fees, and costs. Fees are negotiable at TIM’s discretion.

TIM Basic

TIM Basic is a service where the Firm provides model portfolio trade allocations, weekly commentary, and weekly
webcasts targeted to aviation professionals.

For clients who engage the Firm for TIM Basic, TIM charges an annual fee of $625 for pilots and $315 for flight
attendants and ground personnel. This fee is paid annually, in advance.

For TIM Basic clients who also have additional i-Shares-only, Municipal Bond-only, or Annuity accounts managed
by TIM, TIM charges an annual asset based advisory fee which is prorated and billed quarterly in advance,
based on the market value of the assets on the last day of the prior quarter. The current annual fee schedule for
these account types is: iShares-only accounts: .25% ; Municipal Bond-only accounts: .25% ; For Ameritas annuity
accounts (where TIM provides investment advice with respect to subaccounts or allocation decisions) the fee is
.25% for Portfolio clients and is charged based on the Premier tiered fee below. These fees are negotiable and are
described in the client agreement and/or schedule provided at account opening.

TIM Portfolio

TIM Portfolio is an investment management program that includes the TIM Basic benefits and provides clients
access to one of the Firm’s model portfolios based on age and risk tolerance. Clients also receive one scheduled
annual checkup call to discuss developments in their financial situation. TIM Portfolio does not include financial
planning, which is available for an additional fee (see “Additional Fees” below)

For TIM Portfolio clients, the firm charges an flat annual asset-based fee of 0.25% of the value of the assets
under management. This annual fee is prorated and charged quarterly, in advance, based upon the market value of
the assets being managed by TIM on the last day of the previous quarter.

                              PORTFOLIO VALUE                        BASE FEE
                              All Assets Under Management              0.25%

TIM Premier

TIM Premier is the Firm’s most encompassing offering. It includes the services of TIM Portfolio, may incorporate
other types of securities as appropriate for client objectives, and includes scheduled quarterly check-in calls and
financial planning. TIM Premier also includes insurance needs analysis and certain coordinated services provided
by independent third parties (e.g., tax preparation and estate planning consultation), as further discussed in Item
14.

For TIM Premier clients, the Firm charges an annual asset-based fee that includes various financial planning services
as discussed above in Item 4. This Fee is prorated and charged quarterly, in advance, based upon the market value
of the assets being managed by TIM on the last day of the previous quarter. This annual fee varies depending upon
the market value of the assets under TIM’s management as follows:

                              PORTFOLIO VALUE                        BASE FEE
                              Up to $250,000                           1.30%
                              $250,000.01 - $1,000,000                 1.00%
                              $1,000,000.01 - $2,000,000               0.75%
                              above $2,000,000.01                      0.50%

TIM aggregates household accounts to determine the lowest percentage if all accounts are managed as one
relationship.

Because clients may receive similar advice or model allocations while paying different fees, the Firm has a conflict
of interest to recommend higher-fee programs or allocate more time and attention to higher-fee relationships.
The Firm addresses this conflict by disclosing material program differences and fees, basing program
recommendations on client needs and requested scope, applying a consistent investment process, documenting
and supervising program recommendations and any negotiated fees, and periodically reviewing whether the
selected program remains appropriate.

Financial Planning Fees

For TIM Basic and TIM Portfolio clients, TIM charges a fixed fee for preparation of a financial plan ($2,250) and
review of a financial plan ($500). As discussed above, these financial services are included for TIM Premier clients
at no additional fee.

Prior to engaging TIM to provide financial planning, the client is required to enter into a written agreement
with TIM setting forth the terms and conditions of the engagement. TIM does not require payment until
completion of these services.

Additional Fees and Expenses

In addition to the advisory fees paid to TIM, clients also incur certain charges imposed by other third parties,
such as broker-dealers, custodians, trust companies, banks and other financial institutions (collectively “Financial
Institutions”). These additional charges can include securities brokerage commissions, transaction fees, custodial
fees, charges imposed directly by a mutual fund or ETF in a client’s account as disclosed in the fund’s prospectus
(e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes,
wire transfer and electronic fund fees and other fees and taxes on brokerage accounts and securities
...

Item 7. Types of Clients
TIM primarily provides its services to individuals, including high net worth individuals.

Minimum Fee

For TIM Portfolio and TIM Premier clients, TIM generally imposes a minimum annual fee of $600. TIM, in its sole
discretion, may waive its minimum annual fee based upon certain criteria including anticipated future earning
capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account
composition, pre-existing client, account retention, and pro bono activities.