Total Wealth Planning and Management Inc

Item 5: Fees and Compensation

A. Fee Schedule

The following are the fees charged by Total Wealth Planning and Management, Inc. for services
provided:

Lower fees for comparable services may be available from other sources.

If recommended custodian is chosen by the client, then management fees are deducted
directly from the account. If another custodian is chosen by Client, then payment will be
made by check, credit card, or electronic transfer into TWPM’s account, which will be
provided to Client. Management fees are billed at the beginning of each quarter based on
the closing value of the prior quarter and will be prorated for a partial quarter. For clients
who prefer, fees can be charged monthly based on the prior month’s closing value and may
be prorated for a partial month. For some engagements, a flat, fixed, monthly fee is
charged. These fees are negotiable depending upon the needs of the client and complexity
of the situation. Management fees are inclusive of transaction costs of the custodian. This
wrap fee concept is disclosed in the wrap fee brochure delivered to the client.

Traditional Over Top Service Platform

             Account Value                                Max Rate

           Up to $500,00.00                                1.50%

      $500,001.00 - $1,000,000.00                          1.40%

     $1,000,001.00 - $4,999,999.00                         1.25%

       $5,000,000.00 and above                             1.00%

These fees are negotiable depending upon the needs of the client and complexity of the
situation. Management fees are inclusive of transaction costs of the custodian. This wrap
fee concept is disclosed in the wrap fee brochure delivered to the client. These are the

generally applicable fees, but for certain more complex situations a maximum fee of 2%
will be charged.

A la carte services as needed

                  Services                                     Pricing

       Debt Reduction Consultation                              $100

    Educational Consultation by Phone                       $150 per hour

     Educational Consulting in Person                      $250 per hour

Life or Long-Term Care Insurance Review                  $200 per individual

     Goal-Specific Financial Planning                $150 for most engagements

         Annual Portfolio Review                                $250
                                                 $100 per 6 months with contract for
        Semi-Annual 401(k) Review               two people or one-time $250 for first
                                                     person and $100 for spouse
  Stock Options Exercise and Executive
                                                         $500 per individual
        Compensation Analysis
One-time Comprehensive Planning Online
                                                                $750
             and by Phone
                                                  $1,200 flat fee or $250 per hour,
   One-time comprehensive Planning in
                                                determined by scope of engagement
             Person Meeting
                                                          and agreement

Financial Planning Fees

Depending upon the complexity of the situation and the needs of the client, the rate for
creating client financial plans is between $750 and $1,250. For the Traditional Over the
Top Service Platform all planning services are included at no extra cost, except for clients
under $100,000 in AUM. For those clients, there will be a charge for comprehensive
financial planning that will be $1,250. Single objective financial planning services are for
a fixed fee up to $500 or can instead be charged at an hourly rate up to $250/hour.
Discounts are provided to Veterans and First Responders on specific types of planning.
TWPM offers the following types of planning services; Financial plans, Goal Specific
Financial Planning, Portfolio Reviews, Semi-Annual 401-k portfolio reviews, Stock Option
Strategy services, Life Insurance, Long term Care reviews and Educational Consulting.
The fees are negotiable and the final fee schedule will be attached as Exhibit II of the
Financial Planning Agreement. Clients may terminate their contracts without penalty
within five business days of signing the advisory contract. Thereafter, the agreement shall
continue in effect until terminated by either party by giving to the other written notice.

       B. Payment of Fees
       Quarterly or monthly investment management fees, fixed financial planning fees or
       hourly Financial Planning fees are paid via electronic fee debit, credit card, or check in
       advance, but never more than six months in advance. Fees that are charged in advance
       will be refunded based on the prorated amount of work completed at the point of
       termination.

       C. Clients Are Responsible For Third Party Fees

       This brochure describes TWPM’s non-wrap fee advisory services; clients utilizing
       TWPM’s wrap fee portfolio management should see the separate Wrap Fee Program
       Brochure. Client accounts not participating in the wrap fee program are responsible for
       the payment of all third party fees (i.e., custodian fees, commissions, brokerage fees,
       mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees
       and expenses charged by TWPM. Please see Item 12 of this brochure regarding
       broker/custodian.

       D. Prepayment of Fees

       TWPM collects fees in advance. Fees that are collected in advance will be refunded based
       on the prorated amount of work completed at the point of termination and the total days
       during the billing period. Financial Planning Fees will be returned within fourteen days
       to the client via credit card or check. Investment Supervisory Fees will be deposited back
...

Item 7: Types of Clients

TWPM generally provides investment advice to the following types of clients:

           Individuals
           High-Net-Worth Individuals
           Pension and Profit Sharing Plans

           Trusts, Estates, or Charitable Organizations

There is no account minimum.