Description of Services (one time planning process)

• maintain and update, as necessary, an analytical process that evaluates the likelihood of meeting stated goals, based on Client’s assets, liabilities, and relevant economic assumptions (“Capital Needs Analysis”);
• tax planning;
• insurance planning;
• estate planning;
• risk management needs analysis;
• assessment of personal and investment mortgages, debt refinancing, and loan alternatives;
• bill paying and budgeting analysis;
• consultation regarding strategies for philanthropic and multigenerational planning;
• consultation regarding gifting strategies, including amounts, form of gift (monetary or securities), and the manner in which gifts are made via direct gift, trusts, and foundations;
• family business advice and business succession planning;
• coordinate external advisors;
• financial reporting;
• concierge services.

Fee Schedule

Regal Monarch Imperial Sovereign Sovereign Sovereign Sovereign

Net Worth under $3,000,000  Between $3,000,001 to $5,000,000 Between $5,000,001 to $7,500,000 Between $7,500,001 to $10,000,000 Between $10,000,001 to $20,000,000 Between $20,000,001 to $50,000,000 Net Worth exceeding Fifty Million

$10,000 to $15,000 annually $15,000 to $25,000 annually $25,000 to $30,000 annually $30,000 to $40,000 annually $40,000 to $50,000 annually $50,000 to $70,000 annually $70, 000 plus negotiated fee

This fee schedule is used as a general guideline based on Net Worth. Actual fees are quoted based on the complexity of the development process.

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Description of Services

• Development and maintenance of an appropriate Investment Policy Statement for those assets under the limited discretionary authority of DEW.
• Customized implementation of the Investment Policy
• Coordination of the establishment of appropriate accounts and related asset transfers.
• Active tax and cost efficient investment portfolio management for assets under the limited discretionary authority of DEW. This will include manager and strategy selection.
• Monitoring and management of investment managers and vehicles selected for implementation.
• As necessary, rebalancing, policy and/or strategy modification and/or manager replacements.
• Quarterly detailed written reviews of the client investment portfolio(s) under our management.
• As requested; implementation of cost and tax efficient liquidations for unanticipated cash flow needs.
• As requested, provision of preliminary tax information (e.g., realized and unrealized gains, taxable interest and dividends) for client's tax planning.

Fee Schedule

Under $2,000,000 $2,000,000 -     $5,000,000 $5,000,001 -     $7,500,000 $7,500,001 -   $10,000,000 $10,000,001-  $15,000,000 $15,000,001-  $20,000,000 Over $20,000,000

Greater of 1.00%, or $10,000 0.85% 0.65% 0.55% 0.45% 0.40% individually negotiated

This fee schedule is used as a general guideline based on Managed Assets. Actual fees are quoted based on the complexity of the development process.

Description of Services

DEW provides several advisory services separately or in combination. While the primary clients for these services will be pension, profit sharing and 401(k) plans, DEW will also offer these services, where appropriate, to individuals and trusts, estates and charitable organizations. Pension Consulting Services are comprised of four distinct services. Clients may choose to use any or all of these services.

Investment Policy Statement Preparation (hereinafter referred to as ''IPS''):

DEW will meet with the client (in person or over the telephone) to determine the client's

Investment needs and goals. DEW will then prepare a written IPS stating those needs and goals and encompassing a policy under which these goals are to be achieved. The IPS will also list the criteria for selection of investment vehicles and the procedures and timing interval for monitoring of investment performance.

Selection of Investment Vehicles:

DEW will review various investments, consisting exclusively of mutual funds (both index and managed) to determine which of these investments are appropriate to implement the client's IPS. The number of investments to be recommended will be determined by the client, based on the Investment Policy Statement.

Monitoring of Investment Performance:

Client investments will be monitored continuously based on the procedures and timing intervals delineated in the Investment Policy Statement. Although DEW will not be involved in any way in the purchase or sale of these investments, DEW 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) plan clients wherein there are individual accounts with participants exercising control over assets in their own account (''self-directed plans''), DEW also provides quarterly educational support and investment workshops designed for the Plan participants. The nature of the topics to be covered will be determined by DEW 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.

Fee Schedule

Our fees for Pension Consulting Services are negotiable; however, we typically charge for these services a fixed annual fee ranging from $10,000 to $25,000. DEW reserves the right to charge lower or higher fixed fee based on the complexity of the client’s situation, the time required to perform such services, and the nature and extent of other services DEW has provided or expects to provide for a particular customer.

*For more information on services provided and fees charged by DEW Wealth Strategies, LLC, Registered Investment Advisor; see form ADV-II.