As an independent, Fee-Only® financial planning firm, TAM Financial fees for comprehensive investment management are based upon a percentage of total assets under management. For accounts with a value of less than $1 million, a one percent annual fee will be charged in four equal, quarterly installments. Fees are reduced proportionally for accounts over $1 million. Please feel free to contact us for specific details regarding fees associated with assets under management.

	TAM Financial will assist you in implementing the strategies that we have agreed upon. Accordingly, we will be available on an ongoing basis—by email, telephone or in person—to answer questions, assist you or your other advisors to take necessary actions, and to make recommendations regarding these maters. We will bill you for these additional services at our standard hourly rate of $200. Incidental communication and interactions that are directly relevant to the managed account are included within the management fee. If a service will be billed separately, you will be informed of that fact prior to any work beginning.
If you, as our client, are at any time dissatisfied with the services provided, payments received for those specific services will be refunded upon request. If you, as our client, are dissatisfied with the management of your account, you will not be charged for the period(s) in question. TAM Financial is a Fee-Only® financial planning firm. That means that we will never take compensation from anyone else for selling our clients anything-mutual funds, life insurance, variable annuities, etc. Fee-Only® planning is a fast-growing segment of the financial planning industry, and it's growing because it provides clients with the assurance that they aren't being sold something simply because the sale will result in a nice commission for the planner. Your goals become our goals, and your success becomes our success.