Abundance Wealth Counselors LLC

Item 5: Fees and Compensation

Abundance excludes certain assets due to conflicts of interest when calculating management fees
and will identify such assets and inform the client when this situation applies. The assets excluded
will not be taken into consideration when determining the management fee.

Fees for the management of retirement plans range from .20% to 1.00% of plan assets depending
on the services requested and the size of the plan. The above fees do not include platform,
attorney, or Third-Party Administrator (TPA) fees but are only related to the services that
Abundance provides to the plan. Fees for investment management are negotiable at the sole
discretion of Abundance.

Abundance also charges a fixed dollar amount per year for administrative services associated with
client portfolios as follows:

      Cash/Checking/Money Market Assets              $50 annual fee, billed monthly in advance
      ILIT / Loan Administration Services            $350 annual fee, billed annually in advance

Retirement Plans
Abundance charges fees for retirement plans either monthly or quarterly and are an annual fee
percentage based on the total plan assets. These terms are specified in agreement between
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Abundance and the retirement plan. Retirement plans are either invoiced to pay the fee manually
or to have the assets deducted from the plan assets by the custodian.

Private Investments
Abundance charges a fee equivalent to the client’s investment management fee on the market
value of the asset. If a market value is not available for a private investment, Abundance will base
the fee either on the value as established by the investment committee as per the Abundance
Valuation Policy or will waive the fee in its entirety as determined by the investment committee.
This is due to the difficulty in custodians obtaining and reporting accurate valuations on this asset
class. If a private investment does provide Abundance with valuations, the valuation provided by
the private investment will be used for fee calculations. This fee will apply for private investments
that Abundance performs due diligence on, offers to clients, reports on, and administers for the
client.

The valuation information for some private investments is provided by the custodian. Due to the
timing of the transmission of information between the private investment and the custodian,
there are points in time when the share price and/or quantity for each investor may not be
accurately reflected in the custodian’s platform and subsequently in Abundance’s portfolio
administration system and client portal.

Billing
Fees are deducted at the beginning of each month, or if a client chooses, they will be billed and
may pay the invoice using outside funds. The monthly fee is determined by the account balance
at the end of the previous month. Fee percentages are reviewed monthly and updated based on
the previous month’s assets under management. The fees billed by Abundance are only for
advisory services provided by Abundance and do not include broker commissions, mutual fund
expenses, or other trading and investment-related expenses. Those fees are in addition to the
investment advisory fee charged by Abundance.

Abundance requires that clients sign a Client Service Agreement which sets forth the nature and
terms of the agreement, including the fee. Abundance does not collect unearned fees in excess of
$1,200 not expected to be earned within 6 months. A Client Service Agreement may be terminated
by either party for any reason upon receipt of 30 days written notice. All fees billed in advance
will be refunded on a pro-rata basis.

Clients should be aware that similar advisory services may be available from other investment
advisors for similar or lower fees.

Item 7: Types of Clients

Abundance primarily advises and manages the investments of individuals and families with
significant investible assets. We also work with businesses, their retirement plans, and captive
insurance companies, along with estates, trusts, and some charitable organizations. As stated
above in Item 4, Abundance also acts as the investment manager for the Funds, and pooled
investment vehicles.