AA Financial Advisors LLC

Item 5 – Fees and Compensation
ANTOLINO Wealth Advisors offers advisory services based on prearranged fee
structures. Fees can include but are not limited to a percentage of assets, hourly fees,
and/or fixed project fees.

                            The UltraVision System®

Fees for the UltraVision System® are generally fixed and collected up-front. Fixed fees vary
based upon a variety of factors, including income, the client’s unique fact pattern, and the
complexity of each project. The agreed upon fee arrangement will be set forth in the client’s
services agreement. We typically collect fees for The UltraVision System® via check or
credit card.

Successful completion of The UltraVision System® requires ongoing communication and
coordination with the client. Inattentive or unresponsive clients can impinge our ability to
complete our work in a timely manner, in which case we may determine to reevaluate our
fee for the agreed upon service. We try to exercise this discretion sparingly, however, if
extraordinary effort is required on our part, we may elect to negotiate for a revised fee.

Upon completion of the UltraVision System® clients are eligible to enroll in a more
proactive ongoing service model – known as the UltraVision Club, the fees for which are
discussed below.

For those who do not wish to participate in the UltraVision System® in its entirety,
ANTOLINO Wealth Advisors does provide certain pieces of the UltraVision System® a la
carte. If appropriate, a discussion about the certain module and a corresponding fee for
this module will be disclosed to you.

Clients can elect to receive services under both the UltraVision System® and our
investment management services, for which we may, at our discretion, elect to waive or
reduce all or a portion of the fee attributable to The UltraVision System®.

If the client terminates our engagement prior to completion of the agreed upon services,
we will provide a refund of prepaid fees, prorated based on the amount of time spent on the
project through the effective date of termination at a rate of $550 per hour. The
engagement otherwise ends at the presentation of a financial plan or a set of financial
recommendations we call delivery or graduation.

                                 The UltraVision Club™

Monthly dues vary based on the client’s Club Level and agreed upon in the client’s Club
membership agreement. Level C does not incur monthly fees, and fees for this level are
based upon the scope and amount of work requested by the Level C participant. All fees
for The UltraVision ClubTM are payable by credit card. Monthly fees, to the extent
applicable, become due on the first day of each month. Clients may cancel their
membership at any time, but no refunds are provided with respect to a membership month
for which dues have already become due.

                           Investment Management Services

Client assets are held with a qualified custodian in a brokerage account. Unless stated
otherwise fees are charged quarterly in advance. The maximum annual fee for our
investment management services is 1.50% of assets, which is subject to negotiation and

can vary from client to client based on a variety of factors, including the amount of assets
to be managed, the IAR assigned to the account, potential future assets, and other factors.
These fees include all fees and charges for the portfolio management services of the IAR
and ANTOLINO Wealth Advisors. No commissions or transaction fees whatsoever are
paid to or retained by the IAR or ANTOLINO Wealth Advisors from this account. For
custodial accounts held at NFS, LLC, a portion of the advisory fee is shared with Kestra
Investment Services, LLC for their supervision of ANTOLINO Wealth Advisors.

Unless stated otherwise, the fee will be payable quarterly in advance. The first payment
is due upon execution of the Advisory Agreement and will be assessed pro-rata in the event
the Advisory Agreement is executed at any time other than the first day of each calendar
quarter. Subsequent payments are due and will be assessed on the first day of each
calendar quarter. Asset-based fees are calculated based on the value of the account
assets under management as of the close of business on the last business day of the
preceding quarter as valued by an independent pricing service, where available, or
otherwise in good faith. Asset-based fee calculations include the value of cash and cash
equivalent positions, unless otherwise agreed.

Any party upon written notice to the others may terminate the Advisory Agreement. If
termination occurs prior to the end of a calendar-billing period, a pro-rata refund of
unearned fees will be made to the client.

                           Pension Consulting Services Fees

The rate for pension consulting services will be documented in the advisory
agreement. These fees are negotiable. Pension consulting fees are withdrawn from
the client’s accounts with client’s written authorization or may be invoiced and billed
directly to the client and clients may select the method in which they are paid. The
frequency will be identified in the agreement and may be monthly, quarterly, in
advance or in arrears.

                Selection of Third-Party Advisers / Subadvisors Fees

ANTOLINO Wealth Advisors may direct clients to third-party investment advisers.
ANTOLINO Wealth Advisors will receive its standard fee on top of the fee paid to the
third-party adviser. The notice of termination requirement and payment of fees for third-
party investment advisers will depend on the specific third-party adviser selected.

                               Additional Fees and Costs

Client investment accounts will be held with one or more qualified custodians / broker-
dealers. Broker-dealers generally charge brokerage commissions and/or transaction fees
for effecting certain securities transactions. Broker-dealers set their own commission and
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Item 7 – Types of Clients
ANTOLINO Wealth Advisors provides services to individuals, families, pension and profit-
sharing plans, trusts, estates, non-profit organizations, and corporations or business

entities. We do not currently require a minimum asset level or minimum annual fee for our
services.