Disclosures

1. Two Firms, One Coordinated Relationship

The practice operates through two coordinated but legally separate entities:

The coordination of these two firms — sharing projections, aligning tax and investment decisions, planning within the same client relationship — is the core of the Tax-First Wealth Management approach. This coordination and any related conflicts of interest are disclosed in the Form ADV Part 2 of Total Wealth Services, LLC, available to clients upon request.

2. Educational and Informational Content

All content on this Site — including blog articles, strategy descriptions, ICP pages, service overviews, and any guides or tools — is provided for general educational and informational purposes only. It does not constitute individualized tax advice, legal advice, accounting advice, financial planning advice, or investment advice.

Nothing on this Site should be construed as a solicitation or offer to buy or sell any security, or a recommendation of any particular investment strategy.

Content is prepared by Total Wealth Tax Advisory and may reflect general principles of tax law that are subject to change. Tax laws are complex and depend on individual facts, filing status, entity structure, applicable state law, and current IRS guidance. Laws and regulations referenced on this Site may have changed since publication.

3. Strategies Depend on Your Specific Facts

Any tax strategy, planning concept, or financial approach described on this Site depends on each client's specific facts, timing, documentation, and applicable law. What may apply to one taxpayer may not apply to another, and the availability and value of any strategy can change from year to year.

We do not guess. We review the documents, propose a plan, and implement it. A strategy is only proposed after reviewing your actual returns, statements, and relevant records — not before.

We do not guarantee any particular tax position, reduction in tax liability, audit outcome, refund amount, or investment return. Whether a strategy applies to your situation, and what value it may provide, depends on factors that can only be evaluated through a proper professional engagement.

4. Total Wealth Services, LLC — SEC Registration and Form ADV

Total Wealth Services, LLC is registered as an investment adviser with the United States Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training, and it does not constitute an endorsement by the SEC.

Clients and prospective clients of Total Wealth Services, LLC may obtain a copy of:

• Form ADV Part 2A(the "Brochure") — a plain-language description of the RIA's services, fees, practices, and conflicts of interest.
• Form ADV Part 2B (the "Brochure Supplement") — background information on supervised persons.
• Form CRS (the "Client Relationship Summary") — a concise summary of the types of services offered, fees, conflicts of interest, and how to obtain more information.

These documents are provided to all advisory clients at or before the commencement of an investment advisory relationship. Copies are available upon request at any time by contacting us at info@totalwealthtax.com or (805) 751-6760. The most current Form ADV is also available on the SEC's public IAPD database at adviserinfo.sec.gov.

5. Investment Custody

Client assets managed through Total Wealth Services, LLC are custodied at Charles Schwab & Co., Inc., an independent qualified custodian. The custodian holds client assets, sends account statements, and executes transactions. Clients should compare the account statements received from the custodian with any reports received from Total Wealth Services, LLC.

6. IRS Circular 230

To the extent any content on this Site discusses federal tax matters, such content was not intended or written to be used, and cannot be used, for the purpose of (a) avoiding penalties imposed under the Internal Revenue Code, or (b) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Formal tax advice prepared as part of a signed client engagement is governed by IRS Circular 230.

7. No Professional Relationship from Site Use

Visiting this Site, reading its content, submitting a contact form, or scheduling a discovery call does not create a client-CPA relationship, an investment advisory relationship, or any professional duty. A professional relationship is established only upon execution of a written engagement letter or advisory agreement, following a document review and proposal.

8. Compliance Contact

For questions about these disclosures, or to request the Form ADV, Form CRS, or privacy notice for Total Wealth Services, LLC, please contact: