True Wealth Design LLC

​Item 5 Fees and Compensation

True Wealth Design charges fees for advisory services such as financial planning and asset management.
Financial Planning Service engagements are limited in nature and fees are calculated on a fixed-fee or hourly
basis and quoted in advance. True Wealth shall deduct fees and/or bill clients quarterly in advance, based upon
the market value of the assets on the last business day of the previous quarter, for continuous investment
advisory services and wealth management services. When the client is a 401k plan, True Wealth shall deduct
fees and/or bill quarterly in arrears.

Additional details of these fee arrangements follow:

FINANCIAL PLANNING SERVICES (STAND-ALONE)

Financial planning and/or consulting services (including investment and non-investment related matters,
including estate planning, insurance planning, etc.) are provided on a stand-alone fee basis. True Wealth’s
planning and consulting fees are negotiable, but generally range from $2,500 to $10,000 on a fixed-fee basis and
$250 to $1,000 on an hourly rate basis, depending upon the level and scope of the service(s) required and the
professional(s) rendering the service(s). Financial Planning fees are generally payable upon execution of a
financial planning agreement. Alternatively, clients may be charged half of the fixed-fee upon execution of a
financial planning agreement with the balance being payable upon completion of the agreed-upon financial
planning services.

Prior to engaging True Wealth to provide financial planning or consulting services, clients are generally required
to enter into a Financial Planning and Consulting Agreement with True Wealth setting forth the terms and
conditions of the engagement (including termination), describing the scope of the services to be provided, and
the portion of the fee that is due from the client prior to True Wealth commencing services. Refunds of prepaid
fees will be made to the client in the event of termination in accordance with the agreement, provided that any
unused portion of the prepaid fee remains.

INVESTMENT ADVISORY SERVICES (STAND-ALONE)

The annual fee for Investment Advisory Services (IAS) shall vary from 0.25% up to 1.60% of the total assets
placed under True Wealth’s management and advisement, inclusive of cash and cash equivalents. This annual
fee shall be prorated and paid quarterly, in advance, based upon the market value of the assets on the last
business day of the previous quarter. To the extent a client makes a deposit or withdrawal within a quarter, a
prorated fee shall be charged or refunded, respectively, based on the amount of the deposit or withdrawal. True
Wealth generally requires a minimum annual fee of $1,800 ($450 per quarter) per household. We generally
recommend a minimum portfolio size of $100,000 for this service. True Wealth, in its sole discretion, may charge
a lesser investment management fee and/or reduce or waive its annual/quarterly minimum fee based upon
certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, the dollar amount
of assets to be managed, related accounts, account composition, negotiations with client, etc.). The annual fee
will be based upon various objective and subjective factors, including, but not limited to, the amount of the
assets placed under True Wealth’s direct management, the amount of the assets placed under True Wealth’s
advisement (assets that are generally managed directly by the client or by other investment professionals
engaged by the client) for which True Wealth provides review/monitoring services, but does not have trading
authority, the complexity of the engagement, and the level and scope of the overall investment advisory
services to be rendered. See also Fee Differential discussion above.

Prior to engaging True Wealth to provide investment advisory services, clients are generally required to enter

                                            Brochure Date: March 30, 2026

into an  Investment Advisory Agreement with True Wealth setting forth the terms and conditions of the
engagement (including termination).

WEALTH MANAGEMENT SERVICES (FINANCIAL PLANNING + INVESTMENT ADVISORY)

True Wealth’s annual fee shall vary from 0.25% up to 1.60% of the total assets placed under True Wealth’s
management and advisement. This annual fee shall be prorated and paid quarterly, in advance, based upon the
market value of the assets on the last business day of the previous quarter. True Wealth generally requires a
minimum annual fee of $5,000 ($1,250 per quarter) per household for this service.

In the event the client desires to fall under the True Wealth Private Client service level and this is not congruent
with True Wealth's sole discretion in determining the appropriate service level (as described in Item 4), True
Wealth may impose a higher minimum fee, generally of $15,000 ($3,750 per quarter) or more per household.

In True Wealth's sole discretion, we may charge a lesser investment management fee and/or reduce or waive its
annual/quarterly minimum fee based upon certain criteria (i.e. anticipated future earning capacity, anticipated
future additional assets, the dollar amount of assets to be managed, related accounts, account composition,
negotiations with client, etc.). The annual fee will be based upon various objective and subjective
factors, including, but not limited to, the amount of the assets placed under True Wealth’s direct management,
the amount of the assets placed under True Wealth’s advisement (assets that are generally managed directly by
the client or by other investment professionals engaged by the client) for which True Wealth provides
review/monitoring services, but does not have trading authority, the complexity of the engagement, and the
level and scope of the overall investment advisory services to be rendered. See also Fee Differential discussion
above.
...

​Item 7 Types of Clients

True Wealth Design provides services to individuals, business entities, trusts, estates, charitable organizations,
and pension and profit-sharing plans. True Wealth Design does not have a minimum asset requirement to
become a client; however, we generally recommend a minimum portfolio size of $100,000 for our investment
advisory service. We also may impose minimum fees as described above.

​

                                             Brochure Date: March 30, 2026