Acorn Creek Capital LLC

Item 5 – Fees and Compensation

Asset Management: The maximum annual fee charged for this service will not exceed 2.00%. Our firm charges on
a tiered fee schedule that will be outlined in the signed advisory agreement. Fees to be assessed will be outlined in
the advisory agreement to be signed by the client as well. Our firm bills on cash unless indicated otherwise in
writing. Annualized fees are billed on a pro-rata basis monthly in arrears based on the daily average value of the
account(s). Fees are negotiable and will be deducted from client account(s). In rare cases, our firm will agree to
directly invoice. As part of this process, Clients understand the following:

          a) The client’s independent custodian sends statements at least quarterly showing the market values for
          each security included in the Assets and all account disbursements, including the amount of the advisory
          fees paid to our firm;

          b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send
          an invoice directly to the custodian; and

          c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of information
          provided in our statement with those from the qualified custodian will be included.

All securities held in accounts managed by our firm will be independently valued by the Custodian. Our firm will
conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The maximum combined annual
fee charged to clients utilizing Third Party Managers will not exceed 2.75%. Our firm will debit fees for this service
as disclosed in the executed advisory agreement between the client and our firm. This fee shall be in addition to
any fees assessed by the chosen third party money manager. The third party money managers we recommend will
not directly charge you a higher fee than they would have charged without us introducing you to them. Third party
money managers establish and maintain their own separate billing processes over which we have no control. They
will directly bill you and describe how this works in their separate written disclosure documents.

                                                    Acorn Creek Capital LLC
                                  215 West Oak Street, 10th Floor, Ste 1000, Fort Collins, CO 80521
                                                       Phone: (970) 818-4820
                                                        Fax: (970) 818-4835
                                                https://www.acorncreekcapital.com/

Comprehensive Portfolio Management:
The maximum annual fee charged for this service will not exceed 2.00%. Our firm charges on a tiered fee schedule
that will be outlined in the signed advisory agreement. Fees to be assessed will be outlined in the advisory
agreement to be signed by the client as well. Our firm bills on cash unless indicated otherwise in writing.
Annualized fees are billed on a pro-rata basis monthly in arrears based on the daily average value of the
account(s). Fees are negotiable and will be deducted from client account(s). In rare cases, our firm will agree to
directly invoice. As part of this process, Clients understand the following:

          a) The client’s independent custodian sends statements at least quarterly showing the market values for
          each security included in the Assets and all account disbursements, including the amount of the advisory
          fees paid to our firm;

          b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send
          an invoice directly to the custodian; and

          c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of information
          provided in our statement with those from the qualified custodian will be included.

All securities held in accounts managed by our firm will be independently valued by the Custodian. Our firm will
conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The maximum combined annual
fee charged to clients utilizing Third Party Managers will not exceed 2.75%. Our firm will debit fees for this service
as disclosed in the executed advisory agreement between the client and our firm. This fee shall be in addition to
any fees assessed by the chosen third party money manager. The third-party money managers we recommend will
not directly charge you a higher fee than they would have charged without us introducing you to them. Third party
money managers establish and maintain their own separate billing processes over which we have no control. They
will directly bill you and describe how this works in their separate written disclosure documents.

Financial Planning & Consulting:
Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total estimated
fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client.
The hourly fees range from $100 to $350 per hour. Flat fees range from $1,000 to $50,000. The fee-paying
arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting agreement.
Our firm will not require a retainer exceeding $1,200 when services cannot be rendered within 6 months.

Retirement Plan Consulting:
Our Retirement Plan Consulting services are billed on a fee based on the percentage of Plan assets under
management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of
our engagement with the client. Fees based on a percentage of managed Plan assets will not exceed 1.00%. The
fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting
agreement.

Other Types of Fees & Expenses
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Item 7 – Types of Clients

Acorn Creek offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, pension and profit sharing plans, private foundations, corporate executives and business owners,
and corporations, limited liability companies and other business types. Acorn Creek generally does not impose a
minimum relationship size.