A. Description of the Advisory Firm B. Types of Advisory Services TMW evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. TMW mainly uses equity securities, exchange traded funds, mutual funds, U.S. government securities, corporate debt securities, municipal securities, and options strategies in its portfolio management programs. In limited cases, we may also recommend investments in limited partnerships such as hedge funds and private equity funds. Pension Consulting Services TMW offers consulting and advisory services for employer-sponsored retirement plans that are designed to assist plan sponsors of employee benefit plans (“Sponsor(s)”). TMW may also assist Sponsors with enrollment and/or providing investment education to plan participants and beneficiaries. Clients may choose to use any or all of these services: Selection of Investment Vehicles TMW will review various investments, consisting of one or all of the following: individual equities, bonds, other investment products and mutual funds (both index and managed) to determine which of these investments are appropriate to implement the client's Investment Policy Statement. The number of investments to be recommended will be determined by the client, based on the client’s Investment Policy Statement. Monitoring of Investment Performance Client investments will be monitored continuously based on the procedures and timing intervals outlined in the Investment Policy Statement. Although TMW will not be involved in any way in the purchase or sale of these investments, TMW will supervise the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate. Employee Communications For pension, profit sharing and 401(k) plans where the individual account participant exercises control over assets in his/her own account (hereinafter ''self-directed plans''), TMW also provides educational support and investment workshops designed for the Plan participants. The nature of the topics to be covered will be determined by TMW and the client under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will NOT provide Plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. Other pension consulting services are available on request. All of our pension consulting services, whether general or customized, will be outlined in an Agreement that shows the services that will be provided and the fees that will be charged for those services. Retirement Plan Rollover Recommendations - When TMW provides investment advice about your retirement plan account or individual retirement account (“IRA”) including whether to maintain investments and/or proceeds in the retirement plan account, roll over such investment/proceeds from the retirement plan account to a IRA or make a distribution from the retirement plan account, we acknowledge that TMW is a “fiduciary” within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”) as applicable, which are laws governing retirement accounts. The way TMW makes money creates conflicts with your interests so TMW operates under a special rule that requires TMW to act in your best interest and not put our interest ahead of you. Under this special rule’s provisions, TMW must as a fiduciary to a retirement plan account or IRA under ERISA/IRC:
• Meet a professional standard of care when making investment recommendations (e.g., give prudent advice);
• Never put the financial interests of TMW ahead of you when making recommendations (e.g., give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that TMW gives advice that is in your best interest;
• Charge no more than is reasonable for the services of TMW; and
• Give Client basic information about conflicts of interest. To the extent We recommend you roll over your account from a current retirement plan account to an individual retirement account managed by TMW, please know that TMW and our investment adviser representatives] have a conflict of interest. We can earn increased investment advisory fees by recommending that you roll over your account at the retirement plan to an IRA managed by TMW. We will earn fewer investment advisory fees if you do not roll over the funds in the retirement plan to an IRA managed by TMW. Thus, our investment adviser representatives have an economic incentive to recommend a rollover of funds from a retirement plan to an IRA which is a conflict of interest because our recommendation that you open an IRA account to be managed by our firm can be based on our economic incentive and not based exclusively on whether or not moving the IRA to our management program is in your overall best interest. We have taken steps to manage this conflict of interest. We have adopted an impartial conduct standard whereby our investment adviser representatives will (i) provide investment advice to a retirement plan participant regarding a rollover of funds from the retirement plan in accordance with the fiduciary status described below, (ii) not recommend investments which result in TMW receiving unreasonable compensation related to the rollover of funds from the retirement plan to an IRA, and (iii) fully disclose compensation received by TMW and our supervised persons and any material conflicts of interest related to recommending the rollover of funds from the retirement plan to an IRA and refrain from making any materially misleading statements regarding such rollover. When providing advice to your regarding a retirement plan account or IRA, our investment advisor representatives will act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims, based on the investment objectives, risk, tolerance, financial circumstances, and a client’s needs, without regard to the financial or other interests of TMW or our affiliated personnel. Financial Planning Services We offer broad based financial planning which includes a variety of services, mainly advisory in nature, regarding management of financial resources. Such management is based upon an analysis of the client’s individual needs and begins with an initial complementary consultation. Upon being hired to do a complete financial plan, we collect and analyze all documentation, we provide a written financial plan designed to achieve the client’s financial goals and objectives. In this way, TMW assists the client in developing a strategy

for the successful management of income, assets, and liabilities. In general, financial planning services may include any one or all of the following:
• Cash Flow Analysis – Assessment of a client’s present financial situation by collecting information regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans, employee benefit statements etc. The Firm advises on ways to reduce risk, coordinate and organize records, and estate information.
• Retirement Analysis – Identification of a client’s long-term financial and personal goals and objectives including advice for accumulating wealth for retirement income or appropriate distribution of assets following retirement. Tax consequences and implications are identified and evaluated.
• Insurance Analysis – Includes risk management associated with advisory recommendations based on a combination of insurance types to meet a client’s needs, e.g., life, health, disability, and long-term care insurance. This will necessitate an analysis of cash needs of family at death, income needs of surviving dependents, and disability income analysis.
• Portfolio Analysis/Investment Planning – We provide investment alternatives, including asset allocation, and effect on a client’s portfolio. We evaluate economic and tax characteristics of existing investments as well as their suitability for a client’s objectives. We identify and evaluate tax consequences and their implications.
• Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education.
• Estate Analysis – We provide advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. The recommendations and solutions are designed to achieve the client’s desired goals, subject to periodic evaluation of the financial plan which may require revision to meet changing circumstances. Financial plans are based on a client’s financial situation based on the information provided to the Firm. We should be notified promptly of any change to a client’s financial situation, goals, objectives or needs. Clients can also request financial planning services that cover a specific area, such as retirement or estate planning, asset allocation analysis, manager due diligence and 401(k) platform due diligence. We offer consultative services where we set an appointment to meet with you for financial planning advice for an hourly fee. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our investment advisory services or by using the advisory/brokerage firm of your choice. Educational Seminar/Workshops TMW is a strong advocate of consumer education and financial literacy. To support this mission, TMW may provide seminars to consumers, corporations, associations, nonprofit organizations and community and religious groups on a variety of personal finance topics. They are designed to explain complex financial concepts in plain English in a way that is educational, informational and entertaining. These seminars/workshops/presentations will be provided on an ad hoc basis. The fees for the seminars/workshops/presentations will be charged in advance and payable by check, cash, or PayPal. Fees range from $25 to $5,000 per event. Services Limited to Specific Types of Investments TMW mainly uses equity securities, exchange traded funds, mutual funds, U.S. government securities, corporate debt securities, municipal securities, and options strategies in its portfolio management programs. In limited cases, we may also recommend investments in limited partnerships such as hedge funds and private equity funds. TMW may use other securities as well to help diversify a portfolio when applicable. TMW will tailor a program for each individual client. This will include an interview session to get to know the client ’s specific needs and requirements as well as a plan that will be executed by TMW on behalf of the client. TMW may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent TMW from properly servicing the client account, or if the restrictions would require TMW to deviate from its standard suite of services, TMW reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. TMW does not participate in any wrap fee programs. TMW has the following assets under management: C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Assets Under Management Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $127,010,589 $5,088,313 January 31, 2023 Investment Supervisory Services Fees Total Assets Under Management Annual Fees $0 - $500,001 1.50% $500,001 - $1,000,000 1.25% $1,000,001 - $5,000,000 1.00% $5,000,001 - $10,000,000 0.75% $10,000,001 And Up 0.50% The advisory fee is calculated using the value of the assets in the Account on the last business day of the prior billing period. The current fee schedule is attached as Exhibit II of the Investment Advisory Contract. (IAC) Adjustments to standard fees may be negotiated with clients who have more than one related account owned by family, friends, or business associates, unusually sophisticated or simplified investment needs & strategies, or where accounts are tax qualified or may require tax harvesting. A full refund of TMW’s fee may be requested within five business days of signing the IAC. Thereafter, clients may terminate the IAC generally with 30 days' written notice. Educational Seminar/Workshops The fees for the /workshops/presentations will be charged in advance and payable by check, cash, or PayPal. Fees range from $25 to $5,000 per event. These fees are negotiable. The fee is determined for educational seminar/workshops by the type of event/presentation/workshop that is presented and the clients who attend the seminars whether it be consumers, corporations, associations, nonprofit organizations and community and religious groups. The fees are payable in advance. Clients may receive a full refund immediately upon termination of service. The fee per employee for travel, lodging and per diem may be included in the fees charged for the educational seminar/workshop. For an individual, the fee for the seminar may be between $25- $500. The fee may be up to $5,000 should a corporation or business utilize the services of TMW for providing a educational seminar for their employees.