Aberdeen Wealth Management LLC

Fees and Compensation

                          Aberdeen Wealth Management LLC

Description
   ABERDEEN WEALTH MANAGEMENT LLC bases its fees on a percentage of
    assets under management, hourly charges, fixed fees, other (retainer fees).
    Some Retainer Agreements may be priced based on the complexity of work,
    especially when asset management is not the most significant part of the
    relationship.
    Financial plans are priced according to the degree of complexity associated
    with the client’s situation.
    Fees are NEGOTIABLE as set forth herein.

Fee Billing
    Investment management fees are billed quarterly, in ADVANCE, meaning that
    we invoice you BEFORE the three-month billing period has ENDED. Payment
    in full is expected upon invoice presentation. Fees are usually deducted from
    a designated client account to facilitate billing. The client must consent in
    advance to direct debiting of their investment account.

                       Aberdeen Wealth Management LLC

    Other Fees
       Custodians may charge transaction fees on purchases or sales of certain
       mutual funds and exchange-traded funds. These transaction charges are
       usually small and incidental to the purchase or sale of a security. The
       selection of the security is more important than the nominal fee that the
       custodian charges to buy or sell the security.
       ABERDEEN WEALTH MANAGEMENT LLC, in its sole discretion, may waive
       its minimum fee and/or charge a lesser investment advisory fee based upon
       certain criteria (e.g., historical relationship, type of assets, anticipated future
       earning capacity, anticipated future additional assets, dollar amounts of assets
       to be managed, related accounts, account composition, negotiations with
       clients, etc.)
       Third party service providers, including but not limited to, By All Accounts,
       EMoney, Money Guide Pro, Yodalee, and Northern Capital that client wishes
       to use will charge a fee which will be disclosed to clients choosing to use such
       service.

   Expense Ratios
      Mutual funds generally charge a management fee for their services as
       investment managers. The management fee is called an expense ratio. For
       example, an expense ratio of 0.50 means that the mutual fund company
       charges 0.5% for their services. These fees are in addition to the fees paid by
       you to ABERDEEN WEALTH MANAGEMENT LLC.
       Performance figures quoted by mutual fund companies in various publications
       are after their fees have been deducted.

   Past Due Accounts and Termination of Agreement
       ABERDEEN WEALTH MANAGEMENT LLC reserves the right to stop work on
       any account that is more than 30 days overdue. In addition, ABERDEEN
       WEALTH MANAGEMENT LLC reserves the right to terminate any financial
       planning engagement where a client has willfully concealed or has refused to
       provide pertinent information about financial situations when necessary and
       appropriate, in ABERDEEN WEALTH MANAGEMENT LLC’s judgment, to
       providing proper financial advice. Any unused portion of fees collected in
       advance will be refunded within 60 days.

Types of Clients

   Description
      ABERDEEN WEALTH MANAGEMENT LLC generally provides investment
      advice to individuals, banks or thrift institutions, investment companies,
       pension and profit sharing plans, trusts, estates, or charitable organizations,
       corporations or business entities.
       Client relationships vary in scope and length of service.

   Account Minimums
      For new accounts, the minimum account size is $500,000.00 of assets under
      management, which equates to an annual fee of $5,000.00.
       When an account falls below $500,000.00 in value, the minimum annual fee
       of $5,000.00 is charged. Depending upon circumstances, ABERDEEN
       WEALTH MANAGEMENT LLC will sign an Hourly Agreement with the client if
       assets have diminished significantly below $500,000.00.
       ABERDEEN WEALTH MANAGEMENT LLC has the discretion to waive the
       account minimum. Accounts of less than $500,000.00 may be set up when
       the client and the advisor anticipate the client will add additional funds to the
       accounts bringing the total to $500,000.00 within a reasonable time. Other
       exceptions will apply to employees of ABERDEEN WEALTH MANAGEMENT
       LLC and their relatives, or relatives of existing clients.
       Clients receiving ongoing asset management services will be assessed a
       $5,000.00 minimum annual fee. Clients with assets below the minimum
       account size may pay a higher percentage rate on their annual fees than the
       fees paid by clients with greater assets under management.

Methods of Analysis, Investment Strategies and Risk of Loss