Total Wealth Planning and Management, Inc. (hereinafter “TWPM”) offers the following services to advisory clients: A. Description of Services TWPM participates in and sponsors wrap fee programs, which means TWPM will wrap third party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.) for wrap fee portfolio management accounts. TWPM will charge clients one fee and pay all transaction fees using the fee collected from the client. Accounts participating in the wrap fee program are not charged higher advisory fees based on trading activity, but clients should be aware that TWPM has an incentive to limit trading activities for those accounts since the firm absorbs those transaction costs. Certain other fees are not included in the wrap fee and are paid for separately by the client. These include, but are not limited to, margin costs, charges imposed directly by a mutual fund or exchange traded fund, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. While TWPM covers all transaction fees, in order to keep our overall client fees lower, we generally limit our mutual fund selections (open -end and ETF) to those funds available via Raymond James’ No Transaction Fee agreements. Currently, there are over 3,000 open end funds available on this platform. We divide our offerings between two types of clients. Traditional, which is face-to-face, sit-down meetings on a more or less regular schedule and when needed or requested by the client. The other offering is entitled “E” services that are delivered only electronically and a la carte. As delivery of these services do not require travel and meeting time, we pass on some of the savings to the clients by offering a slightly reduced fee. We use two types of account platforms at our principal custodian, Raymond James. These two platforms have mostly to do with their systems, policies, etc. We may use their “Ambassador” account platform when we will be trading stocks, bonds, options, etc. The Ambassador platform charges an asset-based fee to TWPM that covers all trading costs, custodial fees, etc. We also use their Independent Clearing Account (“ICA”) platform. Under the ICA platform we principally use open-end mutual funds and utilize mutual funds from Raymond James’ extensive list of funds for which transaction fees are waived, sales loads are waived, etc., leaving only the underlying management fees of the fund that come out of the NAV. In some cases, especially in transfers, we may need or choose to sell or buy mutual funds or other investments that incur trading charges from Raymond James. In such circumstances, Raymond James will charge TWPM for trading, thus TWPM covers the fee and there is no cost to the client other than the TWPM fee that was agreed to in the contract. The fee is usually set at the household level, but there may be exceptions for individual accounts in specific cases within a single household (for instance, a buy and hold index fund that we do not actively manage might

be charged no fee, while the other accounts might be charged the standard fee, and a highly active or service intensive account might be charged a higher fee than the other household accounts). The Ambassador and ICA platforms will act like wrap accounts for regulatory purposes. The fee schedules are set forth below: eOver the Top Service Platform Total Assets Annual Fee Below $3,335.00 $25 Flat $3,336.00 - $50,000.00 0.75% $50,001.00 - $99,999.00 0.50% Traditional Over Top Service Platform Account Value Max Rate Up to $500,00.00 1.50% $500,001.00 - $1,000,000.00 1.40% $1,000,001.00 - $4,999,999.00 1.25% $5,000,000.00 and above 1.00% These fees are negotiable depending upon the needs of the client and complexity of the situation and the final fee schedule is attached as Exhibit II of the client contract. TWPM the last day of previous quarter or month for purposes of determining the market value of the assets upon which the advisory fee is based. These are the generally applicable fees, but for certain more complex situations a maximum fee of 2% may be charged. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. Fees are paid quarterly or monthly in advance. Refunds are given on a prorated basis, based on the number of days remaining in the billing period on the effective date of termination. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the billing period up to and including the effective date of termination. (*The daily rate is calculated by dividing the annual fee by 365). Clients may terminate the contract without penalty, for full refund, within five business days of signing the contract. Thereafter, clients may terminate the contract with thirty days’ written notice. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There are several factors that bear upon the relative cost of the program, including the trading activity in the client’s account, the adviser’s ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). C. Additional Fees Clients who participate in the wrap fee program will not have to pay for transaction or trading fees. However, clients are still responsible for all other account fees, such as fees to the custodian, transition fees if the account is moved to another broker, or mutual fund fees. D. Compensation of Client Participation Neither TWPM or representatives of TWPM may receive additional compensation beyond advisory fees for the participation of client’s in the wrap fee program. Compensation received may be more than what would have been received if client paid separately for investment advice, brokerage, and other services. Therefore, TWPM may have a financial incentive to recommend the wrap fee program to clients.