InterWealth Management, LLC is solely owned by the Managing Director, Denis Ryan. [email protected] InterWealth Management advises on separately managed, well designed asset allocated portfolios. We utilize mutual funds and Exchange Traded Fund's (ETF’s) as primary vehicles. Where appropriate, InterWealth Management will add individual stocks to a portfolio. InterWealth Management’s focus is risk tolerance profiling with continuous monitoring of client accounts. InterWealth Management’s practice is managed on a non-discretionary basis and is tailored to the individual needs of the client by continuously monitoring their investments and risk tolerance. As of December 2023, the total assets under management for those accounts are $ 209,800,000. InterWealth Management also advises on retirement income planning, 529 plans and 401k and Profit Sharing Plans. InterWealth Management does not provide financial planning or provide any consultations that do not involve securities. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. 4 | P a g e Item 5 – Fees and Compensation The Investment Advisory contract executed by clients and InterWealth Management, LLC has no expiration date and can be terminated with written notice by either InterWealth Management or Client and is effective immediately.

If the contract is terminated at a time between monthly billing dates, InterWealth Management shall be entitled to payment of a portion of the monthly billing fee, equal to such monthly fee multiplied by the ratio which the number of days past in the month as of the termination date bears to the number of days in the month. Over-payments of management fees, if any, will be promptly returned to the Client. In special circumstances, as in a situation where InterWealth Management is in competition with another firm’s fee schedule or if an account size warrants a discount, some fees may be negotiated at levels less than the stated annual advisory fee of 1.5% to .50%. The following is the fee schedule: Under $500,000 1.5% $500,000-$1 Million 1.0% $1 Million-$2 Million .75% Over $2 Million .50% This is a blended fee schedule; we may charge up to 1% of AUM until the account crosses $2 Million before a discount is warranted. Based on prior written authorization, the Client’s fee shall be paid monthly in arrears by the Custodian out of the income or assets held in the Client’s account. A Client, with written notice, can elect to pay the fee directly to InterWealth Management. The monthly fee will be due immediately upon Client’s receipt of the billing invoice, which is sent directly from InterWealth Management. InterWealth Management’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by the Client. Clients may incur certain charges imposed by Custodians, Brokers, third party investments and other third parties such as fees charged my managers, custodial fees, 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. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to InterWealth Management’s fee, and InterWealth Management shall not receive any portion of these commissions, fees, and costs. Item 12 further describes the factors that InterWealth Management considers in selecting or recommending broker-dealers for Client transactions and determining the reasonableness of their compensation (e.g., commission). 5 | P a g e