Tower View Wealth Management LLC

Item 5:​      Fees and Compensation

     A.​ Fees and Compensation
         Asset-Based Management Fees
         Tower View charges an annual asset-based management fee that does not exceed 1.50%
         of a client’s assets under management (AUM).

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       Actual fees may vary based on the specific services provided, and all fees are outlined in
       each client’s written agreement with Tower View. Fees are negotiable.

       Fees may be adjusted based on factors such as the complexity of a client’s financial
       situation, the number of related accounts, the scope of investment management versus
       financial planning services, the length of the client relationship, and the level of service
       provided. Any fee increase will be communicated in writing and must be agreed to by the
       client before taking effect.

       Management fees are not dependent on transactions within an account and are charged
       regardless of trading activity. Client accounts may hold cash or cash equivalents for
       various reasons, including pending investment or withdrawals, and such assets are
       generally included in AUM for fee calculation purposes.

       Financial Planning and Consulting Fees
       Tower View generally provides financial planning services as part of its asset-based fee
       structure. However, in certain cases, additional fees may apply if planning services extend
       beyond what is included in a standard advisory relationship or are provided on a standalone
       basis.

       Financial planning or consulting services may be billed as quarterly base fees, hourly fees, or
       project-based/flat fees. These fees vary based on the scope and complexity of services
       provided and are disclosed and agreed to in advance.

       Tower View’s maximum hourly rate is $1,000 per hour. Project-based or flat fees typically do
       not exceed $50,000; however, actual fees may vary based on the nature and complexity of
       the engagement. Tower View has the discretion to waive or adjust fees in certain cases.

       Additional Fees for Complex Services
       In limited cases, Tower View may charge additional fees for services involving complex
       client situations, such as estate settlements, divorce planning, business transitions, or other
       specialized engagements requiring significant time and coordination.

       These services may be billed as hourly, project-based, base-fees, or flat fees depending on
       the nature of the engagement. The scope of services and applicable fees may be discussed
       and agreed upon with the client either in advance or after the extent of services becomes
       more clearly defined.

       All such fees are disclosed to and agreed upon by the client prior to billing.

       Certain legacy client agreements may reference additional administrative or account-level
       fees. Tower View does not currently assess these fees; however, we reserve the right to do so
       in accordance with the terms outlined in the applicable client agreement.

       Fee Waivers and Discounts
       Tower View may waive or reduce advisory fees for certain clients, including employees of
       the firm and related persons of firm personnel. These fee arrangements are determined at
       the firm’s discretion.

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       This creates a potential conflict of interest, as similarly situated clients may pay different
       fees for comparable services. In addition, the firm provides advisory services to certain
       accounts without receiving compensation.

       Tower View Seeks to mitigate this conflict by managing all client accounts, including those
       with reduced or waived fees, in a consistent manager, applying the same investment process,
       trading procedure and level of service across all accounts.

   B.​ How Fees Are Paid
       Clients may pay advisory fees through direct deduction from their investment account(s) or
       by direct payment. Direct payment methods may include check or other approved electronic
       payment methods processed through a secure and compliant invoicing system (such as
       AdvicePay).

       Asset-based management fees are generally billed quarterly in advance, based on the value
       of client assets as of the last business day of the prior quarter.

       Base fees and financial planning or consulting fees may also be billed quarterly in advance
       and may be invoiced separately or alongside asset-based management fees, depending on
       the nature of the engagement and the client’s agreement.

       For new accounts, new client relationships, or changes in service level or fee arrangements,
       fees may be prorated from the effective date of the agreement or funding date through the
       end of the billing period. Such prorated fees may be billed at the time of the change or, at
       Tower View’s discretion, collected in arrears and included in the next billing cycle. In certain
       cases, Tower View may waive or defer prorated fees when deemed de minimis.

       Tower View does not collect new or prorated fees until at least five (5) business days after
       the applicable agreement or amendment is signed.

   C.​ Other Fees and Expenses
       Clients will incur additional fees and expenses separate from Tower View’s advisory fees.
       These may include, but are not limited to, brokerage commissions and transaction costs,
       custodian fees such as account maintenance, wire fees, and transfer fees, mutual fund and
       exchange-traded fund (ETF) internal expenses, and taxes on transactions or holdings.

       Tower View uses Charles Schwab & Co., Inc. as its primary custodian.
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Item 7:​      Types of Clients
 Tower View provides investment advisory and wealth management services to individuals,
 businesses, pension plans, and at times for other investment professionals. The firm does not
 impose a minimum relationship size and serves clients with assets under management ranging
 from below $100,000 to over $10 million.