1. Introduction:

By signing this Agreement, you are representing and agreeing that you have read it carefully and understood its terms. You should not sign this Agreement if you have any questions about your obligations under this Agreement, the services that TJSinvest LLC is agreeing to provide, or the limitations of those services. If you do have questions, please contact Travis.Smyth@TJSinvest.com prior to signing this Agreement. You should retain this Agreement for future reference.

TJSinvest utilizes sub-advisory technology provided by an unaffiliated firm, Betterment LLC, and brokerage/custodial services from their affiliated broker-dealer, Betterment Securities, in order to best manage accounts for the TJSinvest Investment Management service. If you choose to engage in this service than you must also agree to the applicable Betterment Customer Agreements, Privacy Policy, as well as their Terms and Conditions located at https://www.betterment.com/legal

Additionally, you must also agree to TJSinvest’s Privacy Policy & Terms of Use located at the footer of any page on https://www.TJSinvest.com. Our latest revision of this Agreement can also be found here under, “Client Agreement.”
 

TJSinvest reserves the right to modify or terminate this Advisory Agreement at any time. Up-to-date information about the services contemplated by this Advisory Agreement will be provided via our website at the location described above. Clients agree to consult the Advisory Agreement information on the Website regularly.

If Clients are unwilling to accept this obligation or to be bound by the terms and conditions of this Advisory Agreement, Clients will not apply to become Clients of TJSinvest and participate in our services. TJSinvest reserves the right to decline any Application or to terminate any Account at any time and for any reason, in its sole discretion.

Clients will carefully read, understand, and accept the terms and conditions of this Agreement before entering electronic signature. If Clients have any questions about any of the provisions in this Advisory Agreement Clients will address them with TJSinvest before agreeing to it. Clients understand that clicking or typing Client’s name in the electronic signature field constitutes the legal equivalent of manually signing this Advisory Agreement and that Clients will be legally bound by its terms and conditions. Clients understand that this Advisory Agreement may be amended from time to time by TJSinvest, with revised terms posted on our website. Clients agree to check the website for updates to this Agreement. Clients understand that by continuing to participate in TJSinvest’s services and maintain a securities brokerage account without objecting to the revised terms of this Agreement, Clients are accepting the terms of the revised Agreement and will be legally bound by its terms and conditions.
 

2. Terms & Conditions:

This Advisory Agreement sets forth the terms and conditions governing the TJSinvest Investment Management service. The provisions in this Advisory Agreement are in addition to any other agreements Clients have entered with TJSinvest to establish advisory services.
 

3. True and Accurate Information:

Information Clients provide to TJSinvest is incorporated into this Advisory Agreement. Clients attests that such information, and any other information provided to TJSinvest in connection with the services contemplated by this Advisory Agreement, is current, accurate, truthful, and complete. Unless otherwise required by this Advisory Agreement, Clients agree to promptly notify TJSinvest of any change to the information, but in any event within thirty days of such change. Clients agree to indemnify and hold TJSinvest harmless from and against any and all losses arising out of or relating to Clients’ failure to provide true and accurate information or to update such information as required. Clients further represents that no one else has an interest in the account except said Client and any other person that said Client has previously disclosed to TJSinvest.
 

4. Service Not Available Outside the United States or to Non-Resident Aliens:
 

The services provided by TJSinvest are not being offered to, and are generally not available to, anyone located outside the United States, including U.S. citizens residing or working abroad. TJSinvest makes no representation or warranty regarding its compliance with local laws in foreign jurisdictions, or regarding the appropriateness of its website content or its compliance with such local laws. Clients agree to terminate this Advisory Agreement upon a change in residency that would make said Client ineligible to receive the services provided by TJSinvest. TJSinvest does not offer services to non-resident aliens who require a Form W-8 for tax-withholding.
 

5. Method of Communication:

Clients agree that the primary method of TJSinvest’s communication with Clients in connection with its services will be in electronic format (e-mail, phone, or other electronic media).

6. Investment Policy Statement (IPS):

A Client’s IPS and the investment methodology used to select said IPS will depend on their goals discussed with TJSinvest as well as the type of portfolio they select. As part of our service, Clients have the option to choose from various model portfolios provided to us by Betterment LLC which are based on either their own investment methodologies or those of their partners, as well as custom portfolios which are solely-based on TJSinvest’s investment methodologies.
Betterment will not recommend an IPS to Clients who are placed in a custom portfolio and will instead allocate the Client’s accounts in accordance with the parameters specified by TJSinvest in the custom portfolio. With respect to a Client in a custom portfolio, TJSinvest, and not Betterment, shall be responsible for managing the Client’s account based on the Client’s financial situation and investment objectives. Betterment shall not be liable for any loss arising out of TJSinvest’s selection of a custom portfolio or any actions TJSinvest takes, or fails to take, in connection with the management of a custom portfolio.
 

7. Power of Attorney:

Clients appoint TJSinvest in conjunction with Betterment LLC to manage their account on a discretionary basis and act as said Client’s attorney-in-fact with limited power and authority for the Client and on the Client’s behalf to buy, sell, and otherwise effect investment transactions in the name of the account in accordance with the IPS.

8. Fees:
 

TJSinvest offers investment advice to clients and manages assets through the Betterment Wrap Fee Program. Betterment LLC & it’s affiliated brokerage/custodian, Betterment Securities LLC, are sponsors to the Betterment Wrap Fee Program but are unaffiliated with TJSinvest LLC.

 

A wrap fee program has a fee structure that provides clients with advisory and brokerage services for one all-inclusive bundled fee with no additional account activity charges for execution of trades. As such, TJSinvest charges clients a single bundled fee (defined below) that covers the investment advisory services it provides, the sub-advisory services provided by Betterment (i.e. tax loss harvesting), as well as the brokerage and custodial services provided by Betterment’s affiliated broker-dealer, Betterment Securities. 

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TJSinvest offers its investment advisory services through a Wrap Fee Program because we believe it best allows us to make timely investment decisions for clients. For example, the wrap fee gives clients the freedom to add to or withdraw money from their accounts and provide investment direction that impacts their account holdings without incurring any separate expenses for resulting trades.

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Both TJSinvest LLC and Betterment LLC assess an annualized fee that is billed on a quarterly basis in arrears and is based on the balance of the account on the last business day of the quarter, multiplied by the schedule listed below.

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Betterment charges a flat platform fee (subject to a discount on the portion of a client’s account over $2,000,000), and TJSinvest charges an advisory fee based on the balance of your account. Our advisory fee decreases as your account balance grows. TJSinvest does not receive any compensation for recommending wrap fee programs beyond the fee paid by the client for the advisory services rendered. 

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The fee listed below is an annualized fee. Each calendar quarter, 1/4 of that total fee is assessed and deducted. The fee for the calendar quarter in which your account is established will be prorated based on the average daily balance for the number of days in that calendar quarter which the account was open. If the Account is terminated before the end of a calendar quarter for which fees have not been collected, a prorated fee, based on the average daily balance for the number of days that have transpired in the calendar quarter prior to account termination, becomes immediately due in full, and will be billed to you directly.

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The fee schedule for our two investment strategies can be seen below:

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1. Standard Strategy:

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2. Advanced Strategy:

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9. Term:

Client may terminate this Advisory Agreement without penalty within five business days of the Client’s electronic consent. This Advisory Agreement may be terminated at any time by either party for any reason upon written notice to the other party in accordance with this section and subject to any further conditions or limitations imposed by the Advisor Agreements.
 

10. Limitations:

Clients understand and agree that they’re responsible for all losses arising from or related to their account. Except for negligence or violation of applicable law, Clients agree that TJSinvest shall not be liable for any action performed or omitted to be performed or for any errors of judgment in managing their account. Federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith and therefore nothing herein shall in any way constitute a waiver or limitation of any rights which Clients may have under federal or state securities laws.
 

11. Waiver:

If any provision of this Advisory Agreement is held to be invalid, void, or unenforceable by reason of any law, rule, administrative order or judicial decision, that determination will not affect the validity of the remaining provisions of this Advisory Agreement. Except as specifically permitted in this Advisory Agreement, no provision of the Advisory Agreement can be, nor will it be deemed to be, waived, altered, modified, or amended unless agreed to in writing signed by an authorized officer of TJSinvest.
 

12. Electronic Signatures:

Clients intentional action in providing an electronic signature, constituted by clicking a button indicating an electronic signature, typing Clients’ name in a signature field, or otherwise entering an electronic signature, is valid evidence of consent to be legally bound by this Advisory Agreement governing Clients’ relationship with TJSinvest.

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Revision: August 28th, 2019

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