Fees, Compensation and Client Fund Management

We have two types of fee structures: percentage of assets and hourly rates.

We do not charge performance-based fees or side-by-side management arrangements.

We do not have minimum asset requirements for clients.

We will not be actively managing our clients' funds. We will not have discretionary control over client funds. We will advise different investments based on client goals, but clients will execute the trades.

We do not receive "soft dollar benefits".

We do not charge commissions on trades.

We will not take custody or have discretionary authority over client funds.

We will not have investment discretion over client funds.

We will not have the authority to vote client securities. Clients will receive their proxies directly from their custodian or transfer agent but not from us. Clients can contact us with questions pertaining to their proxy.

We do not require or solicit pre-payment of any fees. We do not have discretionary authority or custody of client funds or securities.