1620 Investment Advisors Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall enter into one or more agreements that detail the responsibilities of 1620 Investment
Advisors and the Client.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of each calendar quarter. Investment advisory fees range from 0.25% to 0.75% and are
based on the following schedule:

                      Assets Under Management              Balanced Accounts        Fixed Income Accounts
                     $0 to $2,999,999*                            0.75%                     0.40%
                     $3,000,000 to $9,999,999                     0.65%                     0.35%
                     $10,000,000 to $19,999,999                   0.55%                     0.30%
                     $20,000,000 and over                         0.50%                     0.25%
                 * The Advisor has a minimum relationship size of $225,000. Please see Item 7.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. Certain legacy accounts may
be billed in advance and/or have a fee schedule that differs from above. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by 1620 Investment Advisors will be independently valued by the Custodian. The Advisor will conduct periodic
reviews of the Custodian’s valuations.

Research and Sub-Advisory Services
Research services are typically charged based on a fixed fee, but have generally approximated up to 0.10% of the
assets of the financial services firm engaging for these services. Sub-Advisory fees are negotiable based on the
scope of services to be provided, but have generally ranged from 0.50% to 0.60%.

Retirement Plan Advisory Services
Retirement plan advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
retirement plan advisory agreement. Fees are charged at an annual rate of up to 0.30% based on the market value
of assets in the Plan at the end of the quarter.

                                              1620 Investment Advisors, Inc.
                                    36 Cordage Park Circle, Suite 217, Plymouth, MA 02360
                                        Phone: (508) 830-4778 * Fax: (508) 830-0524
                                                   http://www.1620ia.com

Consulting Services
Consulting services are negotiated based on the scope and complexity of the services to be provided by the
Advisor. Fees may be provided on an hourly rate, ranging from $75 to $175 per hour, or on a fixed engagement
fee.

General Fee Comments
The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses, which may be incurred by the consulting service Client. However, the Advisor shall not receive any
portion of these commissions, fees, and costs.

B. Fee Billing
Investment advisory fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.
The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the
Client’s account[s] for the respective quarter-end date. The amount due is calculated by applying the quarterly rate
(annual rate divided by 4) to the total assets under management with 1620 Investment Advisors at the end of each
calendar quarter. The investment advisory fee will be reflected on the monthly statement for the month in which the
fee was actually deducted. It is the responsibility of the Client to verify the accuracy of the fees listed on the
custodian’s brokerage statement, as the Custodian does not assume this responsibility. Clients are urged to also
review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization, via the Custodian account
forms and the investment advisory agreement, permitting advisory fees to be deducted by1620 Investment
Advisors directly from their accounts held by the Custodian.

C. Other Fees and Expenses
Clients will incur certain fees or charges imposed by third parties in connection with investments made on behalf of
the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the
Custodian, if applicable. The Advisor's recommended Custodian does not charge securities transaction fees for
ETF and equity trades in Client accounts, but typically charges for mutual funds and other types of
investments. The investment advisory fee charged by 1620 Investment Advisors is separate and distinct from these
custody and execution fees.

In addition, all fees paid to 1620 Investment Advisors for investment advisory services are separate and distinct
from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and
expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay
management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account
reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the
services of 1620 Investment Advisors, but would not receive the services provided by 1620 Investment Advisors
which are designed, among other things, to assist the Client in determining which products or services are most
...

Item 7 – Types of Clients
1620 Investment Advisors offers investment advisory services to individuals, high net worth individuals, families,
trusts, estates, retirement plans, corporations, and charitable organizations. The number of each type of Client is
available on the Advisor's Form ADV Part 1A. These numbers may change over time and are updated at least
annually by the Advisor. The Advisor requires a minimum relationship size of $225,000, which may be reduced at
the Advisor’s sole discretion.