Treetop Wealth Management LLC

Item 5 Fees and Compensation A. Method of Compensation and Fee Schedule
TreeTop Wealth Management, LLC annual fee shall be prorated and charged quarterly, in arrears, based upon the
average market value of the assets during the previous quarter. The annual fee shall vary (between 0.50% and
1.00%) depending upon the level and scope of the services and the professional rendering the wealth management
services, as follows:

PORTFOLIO VALUE ANNUAL FEE
First $1,000,000 .................................................................... 1.00%
Next $2,000,000 ................................................................... 0.80% Next
$2,000,000 ................................................................... 0.65% above
$5,000,000 ............................................................ negotiable

Insurance Products (life insurance, fixed annuities, fixed income annuities) if TreeTop Wealth Management, LLC
receives a commission through the dealer no fee is charged to the individual.
Pursuant to Section 130.846 of the Rules “an advisory client has a right to terminate the contract without penalty
within five (5) business days after entering into the contract.”
B. Client Payment of Fees
Management fees are charged on quarterly basis in arrears. Management fees are deducted from client accounts or
can be paid directly to TreeTop Wealth Management, LLC.
C. Additional Client Fees Charged
All fees paid to TreeTop Wealth Management, LLC are separate from the fees and expenses charged to shareholders
of mutual fund shares by mutual funds, or by the investment advisor managing the portfolios. A complete
explanation of these fees and expenses is provided in each mutual fund prospectus. Clients are encouraged to read
the fund prospectus carefully before investing. Clients may also pay transaction fees to the broker/dealers and
applicable fees to other service providers, such as for trust services.
D. Prepayment of Client Fees
TreeTop Wealth Management, LLC does not collect prepayment fees. Client/ advisor relationship can be terminated
at any time. Should the relationship be terminated, the advisory fee will be calculated and prorated up to the
termination date.

E. External Compensation for the Sale of Securities to Clients
TreeTop Wealth Management, LLC does not receive external compensation for the sale of securities.

Certain of the Registrant’s Advisory Affiliates, in their individual capacities, are also licensed insurance agents with
various insurance companies, and in such capacity, may recommend, on a fully disclosed commission basis, the
purchase of certain insurance products. While the Registrant does not sell such insurance products to its investment
advisory clients, the Registrant does permit its Advisory Affiliates, in their individual capacities as licensed insurance
agents, to sell insurance products to its investment advisory clients. A conflict of interest exists to the extent that the
Registrant recommends the purchase of insurance products where the Registrant’s Advisory Affiliates receive
insurance commissions or other additional compensation. The Registrant’s Advisory Affiliates currently devote
approximately ten percent (10%) of their time to insurance sales.

Item 6 Types of Clients

TreeTop Wealth Management, LLC generally provides advice to individuals, pension and profit-sharing plans, trusts,
estates, charitable organizations, corporations and business entities.
The minimum amount to open an account is $250,000. Minimum can be waived by TreeTop Wealth Management,
LLC.

Item 7 Methods of Analysis, Investment Strategies and Risk of Loss

A. Methods of Analysis and Investment Strategies

TreeTop Wealth Management, LLC measures investors’ goals, risk tolerance and time horizon through an interview
process and questionnaire to determine investment strategies or a financial plan that, according to the Advisor's
judgment, are best suited to fit the client's profile. Advice is individualized and tailored to meet the unique needs of
each client. After TreeTop Wealth Management, LLC evaluates the client's financial needs, the Advisor will design
investment and risk-management strategies to help the client achieve his or her financial goals.

If the Advisor provides specific investment strategies, this information may be based upon several concepts and
determined by the type of investor. Investment strategies may include long-term and short-term purchases
depending upon the individual needs of the client. The concept of asset allocation or spreading investments among
several asset classes (domestic stocks, foreign stocks, bonds, foreign bonds, alternatives) is in the forefront of our
strategies.

Asset allocation seeks to achieve the most efficient diversification of assets, to lessen risk while not sacrificing the
effectiveness of the portfolio to yield the client's objectives. Since TreeTop Wealth Management LLC believes that
risk reduction is a key element to long-term investment success, asset allocation principles are a key part of the
firm's overall approach in preparing advice for clients.

Recommendations for purchases or selling of investments will be based on publicly available reports and analysis.
In the case of mutual funds or Exchange Traded Funds, recommendations will be based on reports and analysis of
performance and managers, and certain computerized and other models for asset allocation.

TreeTop Wealth Management, LLC utilizes many sources of public information including financial newspapers and
magazines, research papers, corporate rating services, annual reports, prospectuses and company press releases.

TreeTop Wealth Management, LLC gives advice on mutual funds, exchange traded funds, corporate debt, certificates
of deposit, United States government securities, municipal securities, options contracts and equity securities.

B. Investment Strategy and Method of Analysis and Analysis Material Risks
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