Accredited Investor Services LLC

Fees and Compensation - Item 5

 AIS Planning may charge, depending on your specific contract, a set-up fee, annual planning fees,
 project specific fees, hourly fees, or fees based on assets under advisement and/or fees based on assets
 managed by TPAs for its advisory services.

 Initial Onboarding Process Fees
 At the inception of a client relationship, AIS Planning generally charges a maximum negotiable fee of
 up to $10,000, which covers the initial onboarding process. Fees are payable upon execution of the
 financial services agreement. The exact fee payable by the client will be clearly set forth in the executed
 agreement. AIS planning also reserves the right to waive the onboarding fee. AIS Planning expects to
 complete this service within six months. We do not require prepayment of over $1,200, six or more
 months in advance.

 Financial Planning Service Fees
 If a client chooses our financial planning offering, AIS Planning charges a fixed fee, which generally
 ranges from $200/month for lower net worth/less complex clients to $15,000/quarter for higher net
 worth/more complex clients. The exact amount depends upon the complexity and scope of required
 services. Fixed fees are paid in arrears. The exact fee payable by the client will be clearly set forth in the
 executed agreement. Advisory fees may be increased from time to time by providing advance written
 notice to the client.

 Ongoing Investment Management Fees
 Ongoing investment management fees are determined based on the total amount of client assets
 directly under the care of AIS Planning. Fees are charged quarterly or monthly in arrears, based on the
 account balance at the end of the billing period as indicated in each client’s service agreement. The fee
 for accounts custodied at American Funds will be calculated based on the average daily balance of the
 account. Fees are only changed upon written notification to the client. The maximum fee is 1.00% per
 year, and is negotiable depending on the size and complexity of the client’s accounts, services required,
 and historically grandfathered fee schedules. The specific fee schedule is established in the client’s
 agreement with the firm. Advisory fees shall apply to cash balances unless agreed otherwise.

 Third-Party Investment Management Services Fees
 AIS Planning shares in the fee paid to the third-party investment managers. The management fee is
 disclosed in the third-party investment manager’s disclosure documents. These fees may or may not
 be negotiable. AIS Planning's compensation may differ depending upon the firm’s individual agreement
 with each third-party investment manager. AIS Planning or its Associated Persons may have an
 incentive to recommend one third-party investment manager over another with whom it has less
 favorable compensation arrangements or other advisory programs offered by third-party investment
 managers with which it has no compensation arrangements.

AIS Planning
Form ADV Part 2A Brochure

 Project-Specific Services Fees
 Project-specific fees are quoted based on the time, scope, and complexity of the project. Our minimum
 engagement fee is $300/hour, with a minimum of $1,800. The total fee is based on the estimated time
 required to provide the contracted services and billed incrementally based on agreed upon
 deliverables. AIS Planning is responsible for notifying you in advance if/when estimated project fees are
 expected to be exceeded due to changes in time, scope and/or complexity of the project.

 Qualified Retirement Plan Services
 AIS Planning charges the following fees for Qualified Retirement Plan Services:

 Initial onboarding fee: Up to $1,000
 Minimum fiduciary services fee:
      • $7,500 for 3(21) fiduciary services
      • $15,000 for 3(38) fiduciary service

 The Plan can select one of the 3 payment options listed below:
     1. Monthly deduction via signed ACH payment authorization form to the Plan Sponsor
     2. Quarterly deduction via signed ACH payment authorization form to the Plan Sponsor
     3. Monthly payment in arrears through investment custodian to the Plan participants

 Plan Assets Fee’s payable as follows:
 Monthly or Quarterly in Arrears through Investment Custodian to the Plan Participants. Per AUA Fee
 Schedules below.

       Plan Asset Balance              3(21) Fiduciary Annual Fee %    3(38) Fiduciary Annual Fee %
       $0 - $1,000,000                 0.75%                           0.90%
       $1,000,001 - $2,500,000         0.68%                           0.82%
       $2,500,001 - $5,000,000         0.60%                           0.72%
       $5,000,001 - $10,000,000        0.55%                           0.66%
       $10,000,001 - $25,000,000       0.45%                           0.54%
       $25,000,001 - $50,000,000       0.35%                           0.42%
       $50,000,001 and up              negotiated                      negotiated

 Fiduciary Advisory Participant Services: The fee is 20 basis points on the total Plan assets and is paid to
 AIS Planning directly out of the Plan assets. These fees are allocated among participants’ individual
 accounts in proportion to each account balance as indicated by the Retirement Plan Service Agreement.

 For purposes of determining and calculating Fees, the market value of Plan assets means the average
 value of assets as reported by the recordkeeper/investment custodian over each month’s time.
 Note that AIS Planning will not charge more than is reasonable for its services. Any fees based on the
 Plan’s monthly average value of assets shall be charged within the first five (5) days after the end of the
 previous month or quarter, as further indicated below. Other fees and fee payment arrangement can
 be negotiated on a case by case basis. However, such fees and payment arrangements will be outlined
 in the Retirement Plan Service Agreement.

 IRA Rollover Considerations

AIS Planning
Form ADV Part 2A Brochure
...

Types of Clients - Item 7

 We offer investment advisory services to individuals, qualified retirement and profit-sharing plans,
 trusts, estates, charitable organizations, corporations, and other business entities.

 We have a minimum annual fee requirement inclusive of all Management Fees, Fixed Fees, and
 Onboarding Fees. The minimum fee shall be no less than $2,500 per year. However, AIS Planning
 reserves the right to waive or lower this minimum.

                  Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 Asset allocation models used by the sub advisers and/or other third-party investment managers (listed
 under Item 4 above) are developed in accordance with investment programs developed by these
 entities. Clients should refer to the relevant sub advisers' and/or third-party investment manager’s
 Form ADV Part 2 Brochures or comparable disclosure documents for more information about the
 methods of analysis and investment strategies used by those firms. As disclosed above, AIS Planning
 will assist clients in selecting third-party investment managers whose investment programs and
 strategies have been reviewed by AIS Planning and determined appropriate for AIS Planning’s clients
 based on their individual circumstances and investment goals. We also obtain research from various
 third-party research providers and subscription services.

 The following are different methods of analysis that we may use when providing you with investment
 advice:

     •   Fundamental analysis is a method of evaluating a company or security by attempting to
         measure its intrinsic value. In other words, trying to determine a company’s or a security’s true
         value by looking at all aspects of the business, including both tangible factors (e.g., machinery
         buildings, land, etc.) and intangible factors (e.g., patents, trademarks, “brand” names, etc.).
         Fundamental analysis also involves examining related economic factors (e.g., overall economy

AIS Planning
Form ADV Part 2A Brochure

         and industry conditions, etc.), financial factors (e.g., company debt, interest rates,
         management salaries and bonuses, etc.), qualitative factors (e.g., management expertise,
         industry cycles, labor relations, etc.), and quantitative factors (e.g., debt-to-equity and price-
         to-equity ratios). The end goal of performing fundamental analysis is to produce a value that
         an investor can compare with the security's current price in hopes of determining what sort of
         position to take with that security (underpriced = buy, overpriced = sell or short). This method
         of security analysis is considered the opposite of technical analysis. Fundamental analysis is
         about using real data to evaluate a security's value. Although most analysts use fundamental
         analysis to value stocks, this method of valuation can be used for just about any type of security.
     •   Technical analysis is a technique that relies on the assumption that current market data (such
         as charts of price, volume, and open interest) can help predict future market trends, at least in
         the short term. It assumes that market psychology influences trading and can predict when
         stocks will rise or fall. Technical trading models are mathematically driven based upon historical
         data and trends of domestic and foreign market trading activity, including various industry and
         sector trading statistics within such markets. Technical trading models, through mathematical
         algorithms, attempt to identify when markets are likely to increase or decrease and identify
         appropriate entry and exit points. The primary risk of technical trading models is that historical
         trends and past performance cannot predict future trends, and there is no assurance that the
         mathematical algorithms employed are designed properly, updated with new data, and can
         accurately predict future market, industry, and sector performance.

 Our firm, the sub-advisers and/or other third-party investment managers managing your account, may
 use one or more of the following investment strategies when advising you on investments:

     •   Long Term Purchases – securities purchased with the expectation that the value of those
         securities will grow over a relatively long period, generally greater than one year. Using a long-
         term purchase strategy generally assumes the financial markets will go up in the long-term
         which may not be the case. There is also the risk that the segment of the market that you are
         invested in or perhaps just your particular investment will go down over time even if the overall
         financial markets advance. Purchasing investments long-term may create an opportunity cost
         - "locking-up" assets that may be better utilized in the short-term in other investments.
     •   Short Term Purchases – securities purchased with the expectation that they will be sold within
         a relatively short period of time, generally less than one year, to take advantage of the
         securities' short-term price fluctuations. Using a short-term purchase strategy generally
         assumes that we can predict how financial markets will perform in the short-term which may
         be very difficult and will incur a disproportionately higher amount of transaction costs
         compared to long-term trading. There are many factors that can affect financial market
         performance in the short-term (such as short-term interest rate changes, cyclical earnings
         announcements, etc.), but they may have a smaller impact over longer periods.
     •   Trading – securities are sold within 30 days. The principal type of risk associated with trading is
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