TowerPoint Wealth LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Wealth Management:

                 Assets Under Management         Annual Percentage of Assets Charge

                        First $1,000,000                         1.30%
                        Next $1,000,000                          1.00%
                        Next $3,000,000                          0.85%
                        Next $2,500,000                          0.75%
                        Next $2,500,000                          0.65%
                        Next $5,000,000                          0.60%
                       Above $15,000,000                       Negotiable

The above table represents our standard tiered billing rates. We also may charge clients according to
a legacy fee schedule, or a flat percentage not to exceed 1.25%. Fees to be assessed will be outlined
in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro-rata basis
quarterly in advance based on the value of the account(s) on the last day of the previous quarter. In
the case of private securities that do not have daily valuations, TPW will use the most recently
available valuation for billing purposes. Fees are negotiable and will be deducted from client
account(s). Adjustments will be made for deposits and withdrawals in excess of $50,000 during the
quarter. Unless otherwise agreed to in writing, fees will be assessed on cash and cash equivalents. In
rare cases, our firm will agree to directly invoice. As part of this process, Clients understand the
following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice or an internally prepared account statement/report to
       the client, a legend urging the comparison of information provided in our statement with
       those from the qualified custodian will be included.

ADV Part 2A – Firm Brochure                    Page 6                                    Towerpoint Wealth

Fees for sub-advisory services will be separate and in addition to the fees charged by our firm. If
applicable, these fees will be indicated on Schedule A of the executed client agreement.

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $350. Flat fees
will not exceed $10,000. The fee-paying arrangements will be determined on a case-by-case basis
and will be detailed in the signed consulting agreement. Our firm will not require a retainer exceeding
$1,200 when services cannot be rendered within 6 months.

As a part of this offering, our firm may contract directly with selected outside services providers to
outsource certain aspects of complex plans. While such services may result in a higher planning fee
than other clients not requiring such specialized advice, it should be noted that our firm does not
directly pass this cost on to clients. Furthermore, clients are not required to utilize these selected
providers and have the option of limiting the scope of planning arrangements in the executed
agreement.

Portfolio Monitoring:

The maximum annual fee charged for this service is negotiable and will not exceed 1.00%. Annualized
fees are billed on a pro-rata basis quarterly in advance based on the value of the account(s) on the
last day of the previous quarter. Some clients may be directly billed for our portfolio monitoring
service. Our bill is due and payable within 30 days.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed based on the percentage of Plan assets under
management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and
complexity of our engagement with the client. Fees based on a percentage of managed Plan assets
will not exceed 1.00%. Fees shall be assessed quarterly in advance based upon the value of the assets
on the final day or the previous quarter. The fee-paying arrangements will be determined on a case-
by-case basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be
disclosed by the chosen custodian. Charles Schwab & Co., Inc. (“Schwab”) does not charge transaction
fees for U.S. listed equities and exchange traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges,
mutual fund sales loads, surrender charges, variable annuity fees, IRA and qualified retirement plan
fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market makers, fees for
trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage
accounts and securities transactions. Our firm does not receive a portion of these fees.

ADV Part 2A – Firm Brochure                    Page 7                                     Towerpoint Wealth

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Wealth Management
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our firm does not impose any formal requirements for opening and maintaining accounts or
otherwise engaging us.