A. Description of the Advisory Firm B. Types of Advisory Services Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning;lifeinsurance;taxconcerns;retirementplanning;collegeplanning;anddebt/credit planning.
Inofferingfinancialplanning,aconflictexistsbetweentheinterestsoftheinvestmentadviser andtheinterestsoftheclient.Theclientisundernoobligationtoactupontheinvestment adviser'srecommendation,and,iftheclientelectstoactonanyoftherecommendations,the clientisundernoobligationtoeffectthetransactionthroughtheinvestmentadviser.
Held Away Assets – Pontera Weuseathirdpartyplatformtofacilitatemanagementofheldawayassetssuchasdefined contributionplanparticipantaccounts,withdiscretion.Theplatformallowsustoavoidbeing consideredtohavecustodyofClientfundssincewedonothavedirectaccesstoClientlog-in credentialstoaffecttrades.Wearenotaffiliatedwiththeplatforminanywayandreceiveno compensationfromthemforusingtheirplatform.Forclientswhochoosetoparticipatein thisprogram,alinkwillbeprovidedallowingthemtoconnectanaccount(s)totheplatform.
OnceClientaccount(s)isconnectedtotheplatform,Adviserwillreviewthecurrentaccount allocations.Whendeemednecessary,Adviserwillrebalancetheaccountconsideringclient investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance.Foranyaccountsopenedthroughthischannel,theportfoliomanagementfees apply(seeExhibit1.FeeScheduleformoredetails).Theportfoliomanagementfeesincurred bytheoutsideaccountwillbebilledseparatelytoanaccountinwhichwehaveawritten agreementinplacegivingustheabilitytowithdrawmanagementfeesfromdirectly.Ifno such separate account exists, an invoice will be sent to the account owner to pay the fee directly.
Services Limited to Specific Types of Investments WE Alliance generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflationlinkedbonds,commodities,non-U.S.securities,venturecapitalfundsand privateplacements.WEAlliancemayuseothersecuritiesaswelltohelpdiversifyaportfolio whenapplicable.
WEAlliancewilltailoraprogramforeachindividualclient.Thiswillincludeaninterview sessiontogettoknowtheclient’sspecificneedsandrequirementsaswellasaplanthat

will beexecutedbyWEAllianceonbehalfoftheclient.WEAlliancemayuse“modelportfolios” together with a specific set of recommendations for each client based on their personal restrictions,needs,andtargets.WEAlliancewillemploytaxefficientstrategies;thuscurrent and future anticipated income tax brackets are incorporated. Clients may not impose C. Client Tailored Services and Client Imposed Restrictions restrictionsininvestingincertainsecuritiesortypesofsecuritiesinaccordancewiththeir valuesorbeliefs.
WEAlliance hasthefollowing assetsundermanagement: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $195,716,589 $1,071,492 December 2023 D. Assets Under Management Lower fees for comparable servicesmay be available from othersources.
Portfolio Management Fees WE Alliance participatesinasset-basedportfoliomanagementfees.The feescheduleis set forth below: Total Assets Under Management Annual Fee (Progressive) First$0-$250,0001.25% Next$250,001-$1,000,0001.00% Above$1,000,0000.75% Above$2,500,0000.50% These fees are generally negotiable, and the final fee schedule is attached as Exhibit I of theInvestmentAdvisoryContract.Clientsmay terminate theagreementwithout penaltyfor a full refund of WE Alliance’s fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract generallywith30days'writtennotice.
WEAllianceusesanaverageofthedailybalanceintheclient’saccountthroughoutthebilling period,aftertakingintoaccountdepositsandwithdrawals,forpurposesofdeterminingthe marketvalueoftheassetsuponwhichtheadvisoryfeeisbased.
Financial Planning Fees Clients may terminate the agreement without penalty for a full refund of WE Alliance’s fees within five business days of signing the Financial Planning Agreement. Thereafter, clients may terminatetheFinancial Planning Agreementgenerally upon written notice.