Tower Wealth Partners Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor.
Each Client engaging the Advisor for services described herein shall be required to enter into one more written
agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services and Investment Management Services
Wealth management and investment management services advisory fees are paid quarterly, in advance of each calendar
quarter, pursuant to the terms of the advisory agreement executed by the Client. Advisory fees are based on the following
schedule:

                 Assets Under Management ($)              Annual Rate (%)
                 Up to $249,999                               1.75%
                 $250,000 to $999,999                         1.50%
                 $1,000,000 to $2,999,999                     1.25%
                 $3,000,000 to $4,999,999                     1.00%
                 Over $5,000,000                              0.75%

                                                   Tower Wealth Partners, Inc.
                                             1000 Market Street, Lewisburg, PA 17837
                                            Phone: (570) 524-7200 * Fax: (570) 524-7211
                                                        https://towerwp.com

The advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first
quarter. Fees may be negotiable at the sole discretion of the Advisor. Prior to the end of each calendar quarter, the Advisor
will review the Client account[s] to determine if any flows of Client assets are $10,000 or under. If the Client account[s] flows
are $10,000 or under then those fees will not be billed until the next calendar quarter. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Tower
Wealth will be independently valued by the Custodian. Tower Wealth will conduct periodic reviews of the Custodian’s
valuations to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related
costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not
receive any portion of these commissions, fees, and costs.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers
typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level
of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the
Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee,
including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually.

Financial Planning Services
Tower Wealth offers financial planning services either on an hourly basis or a fixed engagement fee. Hourly fees are
charged at a rate of up to $300 per hour. Fixed fees are negotiated based on the expected number of hours at the Advisor’s
hourly rate. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall
relationship with the Advisor. An estimate for total hours and/or total costs will be provided to the Client prior to engaging for
these services.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.75% and are billed in advance,
pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees are based on the market
value of assets under management at the end of the prior calendar quarter. Fees may be negotiable depending on the size
and complexity of the Plan.

B. Fee Billing
Wealth Management Services and Investment Management Services
Wealth management services and investment management services advisory fees are calculated by the Advisor or its
delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian
indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of each quarter. The amount
due is calculated by applying the quartelry rate (annual rate divided by 4) to the total assets under management with Tower
Wealth at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian
reflecting deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by
the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients
provide written authorization permitting advisory fees to be deducted by Tower Wealth to be paid directly from their
account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the
Custodian.

Use of Independent Managers
For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Tower Wealth’s
investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the
Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume
responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s].

                                                    Tower Wealth Partners, Inc.
...

Item 7 – Types of Clients

Tower Wealth offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses,
and retirement plans. Tower Wealth generally does not impose a minimum relationship size.